KrungThai Card Public Co. Ltd. · SET:KTC
KrungThai Card Public — 9M2026 Earnings Presentation
22 slides from KrungThai Card Public's earnings presentation, Nov 4, 2026
Slide 1: KTC Performance 9M2026
KTC PERFORMANCE 9M2026 amy Aasse cac H®
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 Sep 2026) KTC Holding Structure Structure Th
Slide 4: Business Structure & BOT Regulations
Business Structure & BOT Regulations %Gross Receivables Credit Card Personal Auto Title Credit Card Personal Loan 65.0% 33.9% Loan Loan Multipurpose Multipurpose Multipurpose Type of Loan Unsecured Unsecured Secured or Unsecured 107,717 Nationwide Nationwide Nationwide Million Baht Minimum Income 15
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 9M2026
Key Highlights 9M2026 Unit: THB Million Net Profit Credit Card Total Revenue (The Owner of the Parent) Spending 20,640 0.4% (YoY) 6,521 14.3% (YoY) 229,884 4.7% (YoY) Total Portfolio Credit Card Personal Loan Leasing (Gross A/R) 70,055 36,533 1,130 107,717 0.8% 0.9% 1.9% 30.6% (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 9M2026
Financial Result 9M2026 Total Revenue Total Expense 20,640 MB 0.4% YoY 12,463 MB 5.0% YoY Unit: THB Million Cost to Income 34.6% 35.0% 34.8% 35.3% 35.0% 27,456 27,695 2023 2024 2025 9M25 9M26 25,418 4,110 4,038 3,249 20,550 20,640 Total Operating Expense 7,223 MB 0.5% YoY Unit: THB Million 6,378 6,5
Slide 9: Expected Credit Loss
Expected Credit Loss Expected Credit Loss Allowance for ECL 4,155 MB Separate Consolidated 8.9% YoY 8.7% 7.2% 7.5% 7.8% 7.9% Credit Cost Separate Consolidated 8.2% 6.7% 7.1% 7.3% 7.4% 6.1% 5.3% 5.7% 9,763 5.2% 5.1% 7,966 8,424 8,354 8,481 1.5% YoY 5.9% 5.2% 5.6% 5.1% 5.0% 2023 2024 2025 9M25 9M26 20
Slide 10: Financial Position & Funding
F inancial Position & unding Balance Sheet Highlight Interest Bearing Debt (Original Term) Unit: THB Billion Unit: THB Billion 112.8 80.00 10.00% 111.1 110.5 106.9 66.9 9.00% 62.3 70.00 77.0 57.1 8.00% 71.2 66.5 60.00 53.1 60.9 7.00% 39.9 44.0 46.0 50.00 35.8 6.00% 71% 2.15 1.78 1.51 68% 62% 1.32 40
Slide 11: Key Financial Ratio
Key Financial Ratio Yield on Loan & NIM & COF Net Profit Margin Yield on Loan NIM COF Separate Consolidated 14.80% 14.49% 14.59% 14.81% 14.80% 31.5% 30.1% 13.22% 12.87% 13.07% 13.23% 13.48% 28.9% 28.7% 27.6% 31.6% 2.64% 2.79% 2.84% 2.93% 2.62% 28.7% 28.1% 27.8% 27.1% 2023 2024 2025 9M25 9M26 2023 20
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% 2.1% 2.6% 2.2% 2.9% 2.4% 1.6% 1.9% -6.1% 10.82 11.09 12.00 10.32 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 KTC 7.2% NPL 2.47% 2.55% (%YoY) 2.0% Industry 2.06% 2.27% -0.1% 0.5% 0.9% Industry (%YoY) 3.3% NPL KTC -0.7% -1.9% -1.8% 1.15% 1.25% 1.09% 1.15% 1.21% 74,441 73,954 73,876 69,451 70,055 851 923 802 793 846 2023 2024 2025 9M25 9M26 2023 2024
Slide 15: Personal Loan Performance
Personal Loan Performance Portfolio Portfolio Growth Quality 13.5% Industry NPL 3.52% 3.42% 3.11% 3.17% (%YoY) Industry 1.3% 3.2% 3.0% 1.9% KTC 7.5% 2.99% 2.65% (%YoY) NPL KTC 2.46% 2.55% 2.40% 1.1% 0.3% -0.7% 34,716 36,202 35,836 36,533 1,024 35,096 853 911 850 957 2023 2024 2025 9M25 9M26 2023 202
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 9M26
Target vs Actual 9M26 Target Actual Actual Unit: THB Million Y2025 Y2026 9M26 Net Profit 7,782 >Y2025 6,521 Total Portfolio Growth 0.4% 1-2% 0.8% Portfolio Quality (%NPL) 1.79% ≤ 2.0% 1.92% Credit Card 3.6% 5% 4.7% Spending Growth (%) Personal Loan 2% 1.9% 3.2% Portfolio Growth 17
Slide 18: Target 2027
Target 2027 Total Portfolio Portfolio Quality Growth (%NPL) Net Profit 1-2% ≤ 2% >2026Y Credit Card Personal Loan Spending Portfolio Growth 8-10% 1-2% 18
Slide 19: Agenda
AGENDA 1 KTC Overview & Key Highlights 2 Financial Results Consumer Finance Industry & 3 KTC Portfolio Performance 4 Target vs Actual 5 KTC Sustainability 19
Slide 20: 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 Governance and Economic
Slide 21: 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 22: 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
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