Krungthai Card Public Co. Ltd. · SET:KTC

Krungthai Card Public — Investor Presentation (2019)

8 slides from Krungthai Card Public's investor presentation, 2019

  1. Slide 1: Changes on Accounting Standard TFRS 9

    Changes on Accounting Standard TFRS 9 1

  2. Slide 2: Change on Write off and NPL

    Changes on Accounting Standard TFRS 9 1 Change on Write off and NPL: Ending Year 2019 Total Port Ending Year 2019 IAS 39 TFRS 9 Total Port Current To Current 90 DPD To 90 DPD NPL NPL Total Port ~1% ~8% Total Port NPL NPL ~8% Total Port Write off ~1% Total Port Write off Write off Write off ~ ~ *DPD

  3. Slide 3: Change on NPL and Ratio

    Changes on Accounting Standard TFRS 9 2 Change on NPL and Ratio: 2019 TFRS 9 IAS 39 NPL 6,290 MB 911 911 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 31st Dec 31st 31stDec 2019 Dec 2019 2020 31st Dec 2019 Going Forward 31st Dec 2019 (IAS39) 1st Jan 2019 (TFRS9) 31st Dec 2019 (TFRS9) 911+6,290 911

  4. Slide 4: Change from write off to be NPL

    Changes on Accounting Standard TFRS 9 3 Change from write off to be NPL: IAS 39 TFRS 9 Write off NPL Less Expense Expense 90 DPD = Stage 3 = ECL Model 100% Figures are for illustration only 4

  5. Slide 5: Change on Revenue

    Changes on Accounting Standard TFRS 9 4 Change on Revenue: IAS 39 TFRS 9 2019 NPL 6,290 MB 911 911 31st Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 31st Dec 2019 31st 31st Dec 2020 Dec 2019 2019 Going Forward Avg. Interest 12% Additional 2019 Revenue Monthly Accumulate Accumulate +350 MB 0 J

  6. Slide 6: Change on Profit from provision on ECL Model

    Changes on Accounting Standard TFRS 9 5 Change on Profit from provision on ECL Model: Additional Revenue (TFRS Ending Year 2019 Ending Year 2019 9) Accumulate IAS 39 TFRS 9 0 +350 MB Jan De c Total Port Provision Note! %Provision <100% Total Port Accumulate Current To 0 280 MB Current 90 DPD To Jan

  7. Slide 7: Change on Financial Statement

    Changes on Accounting Standard TFRS 9 6 Change on Financial Statement: IAS 39 TFRS 9 Going forward 2019 Ending Year 2019 6,290 MB Additional From NPL Collection Interest Revenue Revenue Recovery Cumulative write off Recovery (Off-Book) Bad Debt Write off on IAS39 Bad Debt Doubtful Account Provision

  8. Slide 8: Thank You

    THANK YOU 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 no claim, promi

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