3,390,682 accounts

Total Membership

(as of June 30, 2019)

KTC: Performance 2Q19

2

KTC Story

Consumer Finance Industry & KTC Portfolio Performances

Credit Card Marketing Program

Personal Loan Marketing Program

KTC Story

3

Total Portfolio

7.1%

Card Spending

10.5%

NPL

1.1%COF

2.9%

Net Profit

15.8%

Personal loan

6.9%

Credit card

7.4%

0.8%

Credit card

1.0%

Personal loan

(YoY)

(YoY)

(%YoY)

(YoY)

NIM

15.4%

2014 2015 2016 2017 2018 1H19

Thai Institutional Holding 62.87% 72.01% 67.23% 57.03% 58.10% 58.82%

Thai Individual Holding 29.32% 21.87% 22.45% 35.47% 38.20% 36.99%

Foreign Holding 7.81% 6.12% 10.33% 7.51% 3.71% 4.20%

Total Number of Shareholders 3,125 3,426 3,815 4,376 12,344 10,626

5Source: TSD

Top 10 Shareholders (as of Jun 30, 2019)

KTB

Foreign

49.27%

4.20%

Thai Institutional

Thai Individual

9.54%

36.99%

• 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 and later listed on the SET in October 2002

1 KRUNG THAI BANK PUBLIC COMPANY LIMITED 49.27%

2 MR. MONGKOL PRAKITCHAIWATTANA 17.14%

3 THAI NVDR 5.42%

4 MR. SATAPORN NGARMRUENGPONG 4.98%

5 MS. CHANTANA JIRATTITEPAT 4.98%

6 SOUTH EAST ASIA UK (TYPE C) NOMINEES LIMITED 1.61%

7 MRS. MANEERAT NGARMRUENGPONG 0.88%

8 MR. KIATINUN DENPAISAN 0.82%

9 MS. RAWISARA NGARMRUNGSIRI 0.63%

10 MRS. LAWAN WANGLEE 0.52%

6(As of June 30, 2019)

Credit Card

Personal loan

Others (Circle Loan and miscellaneous)

% of Total Revenue

Credit Card

Personal loan

Others (Circle Loan and miscellaneous)

% of Total Receivables

Consumer Finance Industry & KTC Portfolio Performances

Credit Card

Personal Loan

Consumer Finance Industry &

KTC Portfolio Performances

7

Pico Finance

Nano

Finance

Credit card Personal loans Nano Finance Pico Finance

Minimum

income THB15,000 - - -

Interest rate

and fees18% 28% 36%

Maximum

credit line100,000 100,000

Type of loanMultipurpose

Unsecure

Multipurpose

Unsecure

Business Related

Unsecure

Multipurpose

Secure or Unsecure

Service area Nationwide Nationwide Nationwide Provincial

Regulator Bank of Thailand Bank of Thailand Bank of Thailand Ministry of Finance

5x (income ≥ 30K)

1.5xIncome < 30K

limited to 3 lenders(income 15 – 30K)1.5x

3x (income 30 – 50K)

5x (income ≥ 50K)

amount up to 50,000

amount over 50,000

36%

28%

8

9Source: BoT & NESDB

0.81 0.91 1.07 1.20 1.31 1.39 1.49 1.57 1.73

0.44

5.64 5.99

6.54 6.75 6.93 7.01 7.25 7.53 7.95

1.97 14.0% 14.5% 16.4% 17.7% 18.9% 19.9% 20.5% 20.9% 21.8% 22.2%

2010 2011 2012 2013 2014 2015 2016 2017 2018 1Q19

Total Credit Card Spending & Private Consumption Expenditure

Total Credit Card Spending of Industry Private Consumption Expenditure Total Credit Card Spending of Industry (%)

Baht Trillion

8.9%

3.8%

CAGR (%)

PCE

Card Spending

CAGR (%)

10Source: BoT & KTC

2.102.17

2.39

2.25

2.41

2016 2017 2018 1H18 1H19

Million Cards

2016 2017 2018 1H19

49% 40% 37% 39%

2%4% 5% 5%

34%

38% 34%41%

16% 17% 24%15%

Others

Direct Sale & Telesale

KTC Branch

KTB

Acquisition Channels - New Application

Others: Printing Media Insertion, Marketing Events, Online, Corporate Alliance, Take One Partner, Network Management, and others

51.2%

47.5% 47.9% 48.3%48.8%

52.5% 52.1% 51.7%

10.4% 10.7% 10.8% 10.4%

2016 2017 2018 1H19

Commercial Banks Non-Banks KTC

Market ShareMarket Share

6.1%

1.0%

8.7%

9.8%11.1%

3.5%

10.1%

6.9%

2016 2017 2018 1H19

Industry KTC

%Growth (YoY)

1111Source: BoT & KTC

165,404176,777

193,101

90,785100,282

2016 2017 2018 1H18 1H19

Baht Million

66.1% 65.3% 65.2% 65.5%

33.9% 34.7% 34.8% 34.5%

11.1% 11.2% 11.2% 11.3%

2016 2017 2018 1H19

Commercial Banks Non-Banks KTC

Market Share

6.9%5.7%

10.0%

8.2%

13.4%

6.9%9.2%

10.5%

2016 2017 2018 1H19

Industry KTC

%Growth (YoY)

%NPL (90dpd) 2015 2016 2017 2018 1H19

Industry 3.09% 2.84% 1.92% 1.81% 1.85%

Commercial Bank 3.95% 3.69% 2.39% 2.17% 2.21%

Non-Bank 1.72% 1.54% 1.21% 1.26% 1.31%

KTC 1.35% 1.22% 1.12% 0.99% 1.01%

Portfolio Quality

12Source: BoT & KTC

98.8%

98.9%

99.0%

98.9%

99.0%

1.22%

1.12%

0.99%

1.08%

1.01%

46,195

48,338

51,062

46,251

49,658

1.9% 1.6% 1.5% 1.5% 1.6%

2016 2017 2018 1H18 1H19

<= 90 Days > 90 Days Delinquency

Baht Million

8.0%

9.4%

6.2%

8.1%

11.5%

4.6%5.6%

7.4%

2016 2017 2018 1H19

Industry KTC

%Growth (YoY)%Growth (YoY)

60.6% 59.9% 60.5% 60.2%

39.4% 40.1% 39.5% 39.8%

12.8% 12.3% 12.2% 12.5%

2016 2017 2018 1H19

Commercial Banks Non-Banks KTC

Market Share

13Source: BoT & KTC

818,068852,915

951,882

867,236

985,037

2016 2017 2018 1H18 1H19

Number of Accounts

2016 2017 2018 1H19

38% 32% 37% 36%

1%3%

4% 4%

58% 61% 58% 58%

3% 4% 2% 2%

Others

Direct Sale & Telesale

KTC Branch

KTB

Acquisition Channels - New Application

Others: Online, Marketing Events, and Others

2.6%

4.6%

5.3%

16.5%

9.5%

4.3%

11.6%

13.6%

2016 2017 2018 1H19

Industry KTC

%Growth (YoY)

20.4% 18.9% 18.7% 18.9%

79.6% 81.1% 81.3% 81.1%

6.7% 6.7% 7.1% 6.5%

2016 2017 2018 1H19

Commercial Banks Non-Banks KTC

Market Share

%NPL (90dpd) 2015 2016 2017 2018 1H19

Industry 5.17% 3.16% 2.50% 2.54% 3.49%

Commercial Bank 5.01% 4.08% 3.02% 2.97% 5.19%

Non-Bank 5.33% 2.35% 2.10% 2.22% 2.03%

KTC 1.04% 0.94% 0.76% 0.76% 0.81%

4.6% 6.4% 8.2%

48.9%

18.2%12.7%

8.3% 6.9%

2016 2017 2018 1H19

Industry KTC

%Growth (YoY)

14Source: BoT & KTC

Portfolio Quality

*

* Starting in February 2019 BOT includes Car Title Loan into the Personal loan amount. Retroactive data was not provided.

99.1%

99.2%

99.2%

99.2%

99.2%

0.94%

0.76%

0.76%

0.77%

0.81%

21,959

24,757

26,821

25,423

27,177

2.5% 2.3% 2.2% 2.1% 2.1%

2016 2017 2018 1H18 1H19

<= 90 Days > 90 Days Delinquency

Baht Million

47.0%43.9% 43.5% 46.2%

53.0%56.1% 56.5% 53.8%

6.6% 7.0% 7.0% 5.1%

2016 2017 2018 1H19

Commercial Banks Non-Banks KTC

Market Share

15

Key B/S Figures Fund Usage

Remaining Term (ST & LT)

Average Duration = 3.63 yrs.

19% 19% 16% 16%

81% 81% 84% 84%51.1 53.4 54.1 53.5

3.1% 3.1% 2.9% 2.9%

2016 2017 2018 1H19Short-term loans Long-Term Loans Debenture Cost of fund

Baht billion

Total Credit Line = 29,540 MB → KTB = 18,030 MBOthers = 11,510 MB

KTC rating : A+ by TRISKTC rating : A+ by TRISKTC rating : A+ by TRISKTC rating : A+ by TRISKTC rating : A+ by TRISKTC rating : A+ by TRISKTC rating : A+ by TRISKTC rating : A+ by TRIS

≤1Y20%

>1Y - 4Y48%

5Y - 10Y32%

10,929

25,505

17,045

68.373.6

79.6 78.4

58.061.1 63.3 61.2

51.1 53.4 54.1 53.5

10.3 12.616.4 17.2

5.624.85

3.87 3.56

2016 2017 2018 1H19Assets Liabilities Interest Bearing Debt Equity D/E

Baht billion

19% 19% 16% 16%

81%81% 84% 84%

51.153.4 54.1 53.5

3.1% 3.1% 2.9% 2.9%

2016 2017 2018 1H19

Short-term loans Debenture (Fixed Rate Bonds) Cost of fund

Baht billion

Total Credit Line = 29,540 MB → KTB = 18,030 MBOthers = 11,510 MB

KTC rating : A+ by TRISKTC rating : A+ by TRISKTC rating : A+ by TRISKTC rating : A+ by TRISKTC rating : A+ by TRISKTC rating : A+ by TRISKTC rating : A+ by TRISKTC rating : A+ by TRIS

16

Million Baht (%YoY) Million Baht (%YoY) Million Baht (%YoY)

Total Revenue 19,525 11.1% 21,198 8.6% 11,102 7.1%

Bad Debt Recovery 2,855 19.0% 3,342 17.1% 1,766 3.3%

Administrative Expenses 7,143 3.5% 7,524 5.3% 3,753 2.9%

Marketing Expenses 866 (22.8%) 909 5.0% 432 9.0%

Fee Paid Expenses 2,258 9.5% 2,366 4.7% 1,172 (1.1%)

Interest Expense 1,629 9.9% 1,555 (4.5%) 771 (1.2%)

Pre-Provisioning Profit 10,754 16.9% 12,119 12.7% 6,578 10.7%

Bad Debt and Doubtful Account 6,627 9.2% 5,703 (13.9%) 2,937 4.9%

Profit before Tax 4,127 32.0% 6,416 55.5% 3,640 16.0%

Income Tax Expense (822) 30.3% (1,277) 55.2% (728) 16.6%

Net Profit 3,304 32.5% 5,140 55.5% 2,913 15.8%

Consolidated Operating ResultsY2018Y2017 1H19

17

* Excluding Net Interchange & Marketing Expenses

Y2016 Y2017 Y2018 1H18 1H19

Net Profit Margin 14.2% 16.9% 24.2% 24.3% 26.2%

Cost to Income Ratio 39.3% 36.6% 35.5% 35.2% 33.8%

Operating Cost to Income Ratio* 28.5% 27.6% 26.6% 26.8% 25.5%

Average Interest Received (including credit usage) 18.2% 18.2% 18.0% 18.2% 18.3%

Average Cost of Fund 3.1% 3.1% 2.9% 3.0% 2.9%

Net Interest Margin (including credit usage) 15.1% 15.1% 15.1% 15.3% 15.4%

D/E Ratio (times) 5.62 4.85 3.87 4.24 3.56

ROE 26.2% 28.9% 35.5% 38.2% 34.8%

ROA 3.9% 4.7% 6.7% 6.9% 7.4%

Allowance/Total Receivables 7.9% 7.8% 7.0% 7.7% 7.1%

Allowance/NPL 473% 589% 616% 605% 622%

Charge-off Rate 9.4% 9.3% 7.5% 7.7% 7.6%

Earning per share 0.97 1.28 1.99 0.98 1.13

Book Value per Share (Baht) 4.00 4.88 6.34 5.32 6.66

Dividend Payout Ratio 0.41 0.41 0.41 NA NA

2019

1H19

2018

2017

10%

2,913

5,140

3,304

2019

1H19

2018

2017

15.0%

10.5%

9.2%

6.9%

2019

1H19

2018

2017

10.0%

7.1%

6.4%

7.0%

2019

1H19

2018

2017

1.1%

1.1%

1.1%

1.3%

18

2019 Outlook

Total Card Spending Growth % NPL – Total Portfolio

NET PROFIT (MB) Total Port Growth (YOY)

Target

TargetTarget Growth

Maintain 2018

Growth 32%

Growth 56%

Growth 16%

OPPORTUNITY DAY

CREDIT CARD

August 19, 2019

บตรเครดต KTC UNIONPAY

ตอบไลฟสไตลทใช ทกการใชจายในจน• รบคะแนน KTC FOREVER x2

เมอใชจายเปนสกลเงนทองถนท จน ฮองกง มาเกา และไตหวน

ครอบคลมทกการใชจาย สะดวกสบายในจน และทวโลก• รบคะแนน KTC FOREVER x2

เมอใชจายเปนสกลเงนตางประเทศ ทกท ทวโลก

ประสบการณเหนอระดบ กบบตรเดยวทใหมากกวา ทกท ทวโลก• รบคะแนน KTC FOREVER x2 เมอใชจายเปนสกลเงนตางประเทศ ทกท ทวโลก• รบคะแนน KTC FOREVER x3 เมอใชจายผานบตรฯ ทประเทศไทย ครบทก 600,000 บาท

ในหมวดรานอาหาร ชอปปง และ/หรอ ทองเทยว• ฟร บรการหองพกรบรองสนามบน จาก DragonPass

KTC UNIONPAY PLATINUM

KTC UNIONPAY DIAMOND

KTC UNIONPAY ASIA PRESTIGE DIAMOND

(Invitation Only)

โปรโมชนบตรเครดต KTC UNIONPAY

โปรโมชนในประเทศ

โปรโมชนในตางประเทศ

UK : Bicester Village

• Up to 10% further reduction on the Outlet price

Italy : The Mall Firenze• Additional 10% saving on

purchases

France : La Vallée Village

• Additional 10% saving on purchases

Switzerland : FoxTown Factory

• 5-30% discounts

คมคา หลากหลาย ตรงใจ

File:

ฃ

LIFE INSURANCE

HEALTH INSURANCE

MOTOR INSURANCE

TRAVEL INSURANCE

PA INSURANCE

CASH BACK

POINTS REDEMPTION

SPECIAL GIFT/ PACKAGE

INSTALLMENT PAYMENT

EXTRA POINTS

File:

File:

คะแนนนอย อรอยมาก

Mother’s Day• Mom dines FREE

• Special Gift (Mooncake) when

dine 4 persons

• First Booking at participating

restaurant receive FREE Gift or

Complimentary Voucher from

CLARINS

• JW MARRIOTT BANGKOK

• SHANGRI-LA HOTEL BANGKOK

• ST. REGIS BANGKOK

• INTERCONTINENTAL BANGKOK

• BANYAN TREE BANGKOK

• THE ATHNEE A LUXURY COLLECTION HOTEL BANGKOK

• SUKOSOL BANGKOK

• SO SOFITEL BANGKOK

• RENAISSANCE BANGKOK RAJPRSONG HOTEL

• W BANGKOK

• SWISSOTEL BANGKOK RATCHADA

• OKURA PRESTIGE BANGKOK

• BANGKOK MARRIOTT MARQUIS QUEEN’S PARK

• EVERGREEN LAUREL BANGKOK

• BANGKOK MARRIOTT HOTEL THE SURAWONGSE

• THE BERKELEY HOTEL PRATUNAM

• CROWN PLAZA BANGKOK LUMPI NI PARK

• CONRAD BANGKOK

File:

• ใชคะแนนแลกรบเครดตเงนคน 18%• ผอนช ำระดวยอตรำดอกเบยพเศษ

0.69%/เดอน นำน 3 เดอน เพยงมยอดใชจำย 3,000 บำทขนไป

• ผอนช ำระดวยอตรำดอกเบยฯ พเศษ 0.69% ตอเดอน นำน 3 - 10 เดอน เพยงมยอดใชจำย 3,000 บำทขนไป

E-COUPON:• Redeem 400 Baht E-Coupon with

1,999 KTC Forever Points

• On-top discount when makingtable reservations via EATIGO

แลก e-coupon สดคม สะดวก งาย ผาน KTC Mobile App

File:

แลก e-coupon สดคม สะดวก งาย ผาน KTC Mobile app

1. เลอก e-Coupon ทตองการใชจากหนา My e-Coupon

ขนตอนการใช e-Coupon :

2. กดเพอใช e-Coupon 3. ยนยนการใช e-Coupon 4. แสดง/ใช QR / Barcode / Code No. ทรานคา

5. คปองจะถกยายไปท Used e-Coupon เมอไดท าการใชแลว

แลก e-coupon สดคม สะดวก งาย ผาน KTC Mobile app

KTC Line OfficialKTC WorldKTC Ushop

WEBSITES

MOBILE APP

www.ktc.co.thwww.ktcworld.co.th

รบทราบขาวสารโปรโมชนผานชองทางหลากหลาย……..

MONTHLY NEWSLETTER

EMAIL

Marketing Program Personal Loans

Q3 2019

Personal Loans Marketing Program in Q3 2019

Acquisition

Port management

Existing customers

Port Activation

MakeLoyaltyOnlineOffline

Seek for new customer

Hot deal Interest only 199 baht

Pay a lump sum interest at only 199 baht/billing cycle

• For customers who apply for KTC PROUD and withdraw cash 1 time

per billing cycle (get the benefit for 2 consecutive billing cycles)

Campaign period: Sep 1 – Dec 31, 2019

Acquisition Campaign for new customer Expand new target “Education Loan”

Special workshop

Encourage customer to have good disciplinary

Mass activation “Debt clearing campaign”

Get 1 chance for debt clearing season 10

1st Prize 100% debt clearing : 10 prizes /2nd Prize 10% debt clearing

: 350 prizes

Builds loyalty of existing customers

Create customer satisfaction & builds long term loyalty

Cash withdrawals anywhere and anytime▪ Cash via ATM ▪ Cash Online service 24 hours, real time money transfer to KTB

Payment options are available to choose▪ Minimum 3% or at least 300 baht▪ Monthly installment 6-36 months with special interest

Online Services Campaign▪ Get chance to win cashback when use

KTC Mobile & KTC Online servicesRegistration online serviceRequest E-StatementDoing Cash installment withdrawal

▪ Period Jun – Sep 2019

Enhance online service

Easy Installment Payment with 0% promotion longer than 10 months for your favorite items

Merchandize installment promotion

Disclaimer: This presentation is intended only for use by Krungthai Card Public Company Limited (KTC). No copy or use of this presentation should occurwithout the permission of KTC. KTC retains all intellectual property interests associated with the presentation. KTC makes no claim, promise, or guaranteeof any kind about the accuracy, completeness, or satisfactoriness of the content of the presentation and expressly disclaims liability for errors andomissions in such content

THANK YOU