Krungthai Card Public Co. Ltd. · SET:KTC
Krungthai Card Public — H1 2026 Earnings Presentation
21 slides from Krungthai Card Public's earnings presentation, Aug 11, 2026
Slide 1: KTC Performance 1H2026
KTC PERFORMANCE 1H2026 AA Since Apr- 2026
Slide 2: Agenda
AGENDA 1 KTC Overview & Key Highlights 2 Financial Results Consumer Finance Industry & 3 KTC Portfolio Performance 4 Target vs Actual 5 KTC Sustainability 2
Slide 3: KTC Overview
KTC Overview • Incorporated in 1996 as a credit card servicing subsidiary company of Krungthai Bank PLC • In July 2002, KTB sold the credit card portfolio to KTC which subsequently transformed KTC into a full consumer finance company Shareholder (As of 30 Jun 2026) KTB & KTC Structure Business Syner
Slide 4: Business Structure & BOT Regulations
Business Structure & BOT Regulations %Gross Receivables Credit Card Personal Loan Credit Card Personal Auto Title 65.0% 33.8% Loan Loan Multipurpose Multipurpose Multipurpose Type of Loan Unsecured Unsecured Secured or Unsecured 107,741 Nationwide Nationwide Nationwide Million Baht Minimum Leasing I
Slide 5: BOT Debt Relief Measure
BOT Debt Relief Measure 2024 Severe Persistent Debt Eligibility Measure ▪ Not classified as NPL ▪ Convert revolving to term loan ▪ Paid more interest than principal over the past 5 years ▪ Interest rate: 15% p.a. ▪ Monthly income below THB 20,000 ▪ Tenor: 60 or 84 months ▪ Borrowers may continue usi
Slide 6: Key Highlights 1H2026
Key Highlights 1H2026 Unit: THB Million Net Profit Credit Card Total Revenue (The Owner of the Parent) Spending 13,723 0.6% (YoY) 4,397 17.1% (YoY) 153,421 4.7% (YoY) Total Portfolio Credit Card Personal Loan Leasing (Gross A/R) 70,005 36,474 1,262 107,741 0.6% 0.1% 3.0% 29.2% (YoY) (YoY) (YoY) (YoY
Slide 7: Agenda
AGENDA 1 KTC Overview & Key Highlights 2 Financial Results Consumer Finance Industry & 3 KTC Portfolio Performance 4 Target vs Actual 5 KTC Sustainability 7
Slide 8: Financial Result 1H2026
Financial Result 1H2026 Total Revenue Total Expense 13,723 MB 0.6% YoY 8,208 MB 6.4% YoY Unit: THB Million Cost to Income 34.6% 35.0% 34.8% 35.1% 34.8% 2023 2024 2025 1H25 1H26 27,456 27,695 25,418 Total Operating Expense 4,779 MB 0.2% YoY 4,110 4,038 Unit: THB Million 3,249 9,622 9,639 6,378 6,513
Slide 9: Expected Credit Loss
Expected Credit Loss Expected Credit Loss Allowance for ECL 2,698 MB Separate Consolidated 13.4% YoY 8.7% 7.9% 7.2% 7.5% 7.7% Credit Cost Separate Consolidated 8.2% 6.7% 7.1% 7.2% 7.4% 6.1% 5.8% 3.7% YoY 5.2% 5.3% 5.0% 9,763 7,966 8,424 8,494 8,194 5.9% 5.7% 5.0% 5.2% 5.0% 2023 2024 2025 1H25 1H26 2
Slide 10: Financial Position & Funding
F inancial Position & unding Balance Sheet Highlight Interest Bearing Debt (Original Term) Unit: THB Billion Unit: THB Billion 80.00 10.00% 112.8 111.1 110.5 66.9 9.00% 106.6 70.00 62.3 57.1 8.00% 77.0 60.00 54.4 71.2 66.5 7.00% 62.7 50.00 6.00% 39.9 44.0 43.9 35.8 71% 68% 62% 40.00 5.00% 2.15 1.78
Slide 11: Key Financial Ratio
Key Financial Ratio Yield on Loan & NIM & COF Net Profit Margin Yield on Loan NIM COF Separate Consolidated 14.8% 14.5% 14.6% 14.7% 14.6% 32.0% 30.1% 28.9% 28.1% 13.2% 13.3% 27.6% 32.0% 12.9% 13.1% 13.1% 28.7% 28.1% 2.64% 2.79% 2.84% 2.90% 2.62% 27.1% 27.5% 2023 2024 2025 1H25 1H26 2023 2024 2025 1H
Slide 12: Agenda
AGENDA 1 KTC Overview & Key Highlights 2 Financial Results Consumer Finance Industry & 3 KTC Portfolio Performance 4 Target vs Actual 5 KTC Sustainability 12
Slide 13: Credit Card Industry & Market Share
Credit Card Industry & Market Share Credit Card Penetration GDP Growth (%YoY) Total Credit Card Total Credit Card PCE (THB Trillion) Spending (THB Trillion) Spending (%) 3.1% 3.4% 4.2% 4.2% 2.2% 2.6% 2.5% 2.4% 2.8% 1.6% 1.9% -6.2% 10.82 11.09 10.32 12.00 9.48 90.0% 10.00 8.00 8.41 8.31 8.46 8.00 7.0
Slide 14: Credit Card Performance
Credit Card Performance Portfolio Portfolio Growth Quality 7.2% 2.47% 2.55% KTC NPL 2.06% 2.20% 2.15% (%YoY) 2.0% 2.8% Industry -0.1% 0.4% Industry (%YoY) 3.3% 1.0% NPL KTC -0.7% 0.1% 1.15% 1.25% 1.09% 1.14% 1.14% -1.9% 74,441 73,954 73,876 69,925 70,005 923 851 802 791 798 2023 2024 2025 1H25 1H26
Slide 15: Personal Loan Performance
Personal Loan Performance Portfolio Portfolio Growth Quality 13.5% Industry NPL 3.52% 3.42% 3.11% 3.12% 3.24% (%YoY) Industry KTC 1.3% 3.2% 4.0% 3.0% (%YoY) 7.5% NPL KTC 2.99% 2.46% 2.55% 2.32% 2.55% 1.1% 0.3% -0.7% 1.3% 1,024 853 911 812 919 34,716 35,096 36,202 35,396 36,474 2023 2024 2025 1H25 1H
Slide 16: Agenda
AGENDA 1 KTC Overview & Key Highlights 2 Financial Results Consumer Finance Industry & 3 KTC Portfolio Performance 4 Target vs Actual 5 KTC Sustainability 16
Slide 17: Target vs Actual 1H26
Target vs Actual 1H26 Target Actual Actual Unit: THB Million Y2025 Y2026 1H26 Net Profit 7,782 >Y2025 4,397 Total Portfolio Growth 0.4% 1-2% 0.6% Portfolio Quality (%NPL) 1.79% ≤ 2.0% 1.86% Credit Card 3.6% 5% 4.7% Spending Growth (%) Personal Loan 2% 3.0% 3.2% Portfolio Growth 17
Slide 18: Agenda
AGENDA 1 KTC Overview & Key Highlights 2 Financial Results Consumer Finance Industry & 3 KTC Portfolio Performance 4 Target vs Actual 2025 5 KTC Sustainability 18
Slide 19: KTC Sustainability
KTC is a member company in the payment and retail lending business KTC Sustainability Vision with an emphasis on being a trusted organization with sustainable growth Purpose To provide better financial products and services to enhance quality of life for all Thais Activities Economic Dimension Socia
Slide 20: Appendix | KTC Ratio Formula
Appendix | KTC Ratio Formula Cost to Income Total Operating Expense / Total Revenue Credit Cost Expected Credit Loss (ECL) / Total Gross A/R %NPL (Total Stage 3 (Excluding Accrued Interest)) / Total Gross A/R (Excluding Accrued Interest) NPL Coverage Ratio Total Allowance / (Total Stage 3 + NPL (Exc
Slide 21: Thank You
THANK YOU irktc@ktc.co.th Disclaimer: This presentation is intended only for use by Krungthai Card Public Company Limited (KTC). No copy or use of this presentation should occur without the permission of KTC. KTC retains all intellectual property interests associated with the presentation. KTC makes
Krungthai Card Public Company — H1 2026 Earnings Presentation on 6ix