Krungthai Card Public Co. Ltd. · SET:KTC
Krungthai Card Public — Q1 2026 Earnings Presentation
21 slides from Krungthai Card Public's earnings presentation, May 13, 2026
Slide 1: KTC Performance 1Q2026
KTC PERFORMANCE 1Q2026 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 31 Mar 2026) KTB & KTC Structure Business Syner
Slide 4: Business Structure & BOT Regulations
Business Structure & BOT Regulations %Gross Receivables Personal Loan Credit Card Personal Auto Title Credit Card 65.3% 33.4% Loan Loan Multipurpose Multipurpose Multipurpose Type of Loan Unsecured Unsecured Secured or Unsecured 107,841 Nationwide Nationwide Nationwide Million Baht Minimum Income 15
Slide 5: BOT Debt Relief Measure
BOT Debt Relief Measure Responsible Lending 2024 Debt Restructuring / Persistent Debt 2025 “You Fight, We Help” Program 2026 “Clear Debt, Move Forward” Scheme Eligibility Severe Persistent Debt ▪ Not classified as NPL BOT Program “You Fight, We Help” Phase II ▪ Paid more interest than principal over
Slide 6: Key Highlights 1Q2026
Key Highlights 1Q2026 Unit: THB Million Net Profit Credit Card Total Revenue (The Owner of the Parent) Spending 6,889 0.8% (YoY) 2,171 16.7% (YoY) 76,800 3.7% (YoY) Total Portfolio Credit Card Personal Loan Leasing (Gross A/R) 70,443 36,012 1,387 107,841 0.7% 0.2% 3.3% 29.0% (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 1Q2026
Financial Result 1Q2026 Total Revenue Total Expense 6,889 MB 0.8% YoY 4,169 MB 6.0% YoY Unit: THB Million Cost to Income 34.6% 35.0% 34.8% 35.1% 35.0% 2023 2024 2025 1Q25 1Q26 27,456 27,695 Total Operating Expense 2,413 MB 0.5% YoY 25,418 Unit: THB Million 4,110 4,038 3,249 9,622 9,639 8,801 5,557 6
Slide 9: Expected Credit Loss
Expected Credit Loss Expected Credit Loss Allowance for ECL 1,387 MB Separate Consolidated 13.0% YoY 8.7% 7.5% 7.5% 7.8% Credit Cost 7.2% Separate Consolidated 8.2% 7.1% 7.1% 7.3% 6.7% 5.2% 6.1% 5.3% 6.0% 4.7% YoY 5.1% 9,763 7,966 8,424 8,071 8,449 5.9% 5.2% 5.7% 5.0% 5.0% 2023 2024 2025 1Q25 1Q26 2
Slide 10: Financial Position & Funding
F inancial Position & unding Balance Sheet Highlight Interest Bearing Debt (Original Term) 80.00 10.00% Unit: THB Billion Unit: THB Billion 112.8 111.1 110.5 66.9 9.00% 106.1 70.00 62.3 57.1 8.00% 77.0 60.00 71.2 51.5 66.5 7.00% 59.9 50.00 44.0 46.2 6.00% 35.8 39.9 71% 2.15 1.78 1.51 40.00 68% 62% 5
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% 14.6% 14.6% 31.6% 30.1% 28.9% 13.2% 12.9% 13.1% 13.0% 13.2% 27.6% 27.7% 31.5% 2.84% 2.96% 28.7% 28.1% 2.64% 2.79% 2.71% 27.1% 27.2% 2023 2024 2025 1Q25 1Q26 2023 2024 2025 1Q
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 50.0% Penetration GDP Growth (%YoY) Total Credit Card Total Credit Card PCE (THB Trillion) Spending (THB Trillion) Spending (%) 30.0% 3.1% 3.4% 4.2% 4.2% 2.1% 2.6% 2.2% 2.9% 2.4% 1.6% 10.0% -6.1% 11.09 -10.0% 12.00 10.32 10.82 9.48 90.0% 8.00 8.41 8.31
Slide 14: Credit Card Performance
Credit Card Performance Portfolio Portfolio Growth Quality 2.47% 2.55% 2.67% KTC 7.2% NPL 2.06% 2.10% (%YoY) 2.0% -0.1% 2.7% 0.2% Industry Industry 3.3% (%YoY) -0.7% 1.5% -0.1% NPL KTC -1.9% 1.15% 1.25% 1.09% 1.21% 1.12% 74,441 73,954 73,876 70,283 70,443 923 851 802 844 784 2023 2024 2025 1Q25 1Q26
Slide 15: Personal Loan Performance
Personal Loan Performance Portfolio Portfolio Growth Quality 13.5% Industry NPL 3.52% 3.42% (%YoY) Industry 3.11% 3.31% 3.16% KTC 3.2% 5.2% 3.3% 1.3% (%YoY) 7.5% NPL KTC 2.99% 2.46% 2.55% 2.35% 2.47% 1.1% 0.3% -0.3% 0.5% 34,716 35,096 36,202 34,857 36,012 1,024 853 911 807 879 2023 2024 2025 1Q25 1Q
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 1Q26
Target vs Actual 1Q26 Target Actual Actual Unit: THB Million Y2025 Y2026 1Q26 Net Profit 7,782 >Y2025 2,171 Total Portfolio Growth 0.4% 1-2% 0.7% Portfolio Quality (%NPL) 1.79% ≤ 2.0% 1.93% Credit Card 3.6% 5% 3.7% Spending Growth (%) Personal Loan 2% 3.3% 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
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