End-of-day quote
Thailand S.E.
03:30:00 16/07/2024 am IST
5-day change
1st Jan Change
39.25
THB
+1.29%
+1.95%
-9.77%
Krungthai Card : Q4/2022Unaudited
January 20, 2023 at 05:31 pm IST
KTC Factsheet 31 Dec 2022 (Unaudited)
Krungthai Card Public Company Limited operates consumer finance business under the Company's vision "KTC is a membership
company in payment and retail lending business with sustainability as key element".
Registered / Paid-up Capital
Baht 2,578.3 Million (Par 1 Baht)
Market Cap.
Baht 170,169.79 Million (Jan 20th , 2023)
BVPS (Baht)
12.2
No. of Account (Million)
3.3
SHAREHOLDER STRUCTURE
Foreign
14.17%
KTB
Thai Institution
49.29%
14.14%
Thai Individual
22.40%
MAJOR SHAREHOLDER
1.
KRUNGTHAI BANK PCL.
49.29%
2.
MR. MONGKOL PRAKITCHAIWATTANA
10.12%
3.
THAI NVDR
8.97%
4.
MS. CHANTANA JIRATTITEPAT
4.63%
5.
UOB KAY HIAN PTE LTD A/C - RC
3.68%
PORTFOLIO BREAKDOWN
KEY PERFORMANCE Y22
7,079 MB - Conso
Credit Card
Personal Loan
( 20.4% yoy )
104,194 MB
31.0%
7,140 MB - Separate
66.7%
( 14.2% yoy )
Net Profit
Total Port - Gross
LEASING
238,257 MB
1.8 %
(21.7% yoy)
2.3%
Total Spending
Total Port - NPL
KTC'S MARKET SHARE
Y2021
11M2021
11M2022
Credit Card
Number of Cards
10.1%
10.1%
9.9%
Total Card spending
11.9%
11.9%
11.8%
Credit Card Receivables
13.1%
13.4%
14.0%
Personal Loan
Number of Accounts
4.0%
4.1%
3.3%
Personal Loan Receivables
4.1%
4.2%
3.7%
INDUSTRY VS. KTC (11M2022)
Growth (YoY)
Industry
Commercial
Non-Banks
KTC
Banks
Number of Cards
3.8%
4.3%
3.3%
1.4%
Total Card
22.6%
23.0%
21.8%
22.4%
Spending
Credit Card
11.1%
10.3%
12.2%
16.3%
Receivables
Personal Loan
23.1%
18.3%
26.8%
10.2%
Receivables
KTC PORTFOLIO
Credit Card
Y2021
Y2022
Personal Loan
Credit Card (CIF Cards)
2,515,110
2,550,592
Accounts
Gross Receivables (MB)
60,201
69,462
Gross Receivables
(MB)
NPL
1.2%
1.1%
NPL
FINANCIAL HIGHLIGHT
Y2021
Y2022
Net Profit Margin
27.4%
30.5%
Net Interest Margin
12.4%
12.2%
Cost to Income
34.2%
34.9%
Operating Cost to Income
27.3%
26.4%
Cost of Fund
2.5%
2.4%
D/E (times)
2.3
2.2
Allowance for ECL / Total Receivables
10.5%
8.4%
NPL Coverage Ratio
292.2%
476.3%
- KTC (Separate)
464.8%
502.1%
Credit Cost (1)
5.9%
4.7%
ROA
6.6%
7.4%
ROE (2)
23.5%
24.3%
EPS (THB/Share)
2.28
2.75
DPS (THB/Share)
1.0
N/A
Leasing
Y2021
Y2022
Y2021
Y2022
751,676
739,247
Gross
3,199
2,449
Receivables (MB)
29,235
32,283
2.9%
2.8%
NPL
54.3%
8.9%
(Unit : MB)
(2)(1) (1) VS (2)
(MB)
Y2021
Y2022
Y2022
Growth
(Conso)
(Separate)
(Conso)
(yoy)
Total
21,442
22,966
23,231
8.3%
Revenue
Total
14,197
14,025
14,377
1.3%
Expense
Net Profit
5,879
7,140
7,079
20.4%
Credit Cost = Expected Credit Loss/Total Receivables
Calculation of "ROE" based on average equity attributable to owners of the parent since 1Q2022 onwards Attachments
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Disclaimer
Krungthai Card pcl published this content on 20 January 2023 and is solely responsible for the information contained therein. Distributed by Public , unedited and unaltered, on 20 January 2023 12:00:03 UTC .
Krungthai Card Public Company Limited Reports Earnings Results for the First Quarter Ended March 31, 2024
19/04
CI
Krungthai Card Public Company Limited Approves Dividend for the Year 2023, Payable on May 3, 2024
05/04
CI
Krungthai Card Public Company Limited Recommends Dividend Payment for the Year 2023, Payable on 3 May 2024
09/02
CI
Krungthai Card Public Company Limited Reports Earnings Results for the Fourth Quarter Ended December 31, 2023
20/01
CI
Krungthai Card Public Company Limited Reports Earnings Results for the Full Year Ended December 31, 2023
19/01
CI
Krungthai Card Public Company Limited Announces Chief Financial Officer Changes
02/01
CI
Krungthai Card Public Company Limited Announces Executive Changes
02/01
CI
Krungthai Card Public Company Limited Announces Board Changes Effective from 20 November 2023
20/11
CI
Krungthai Card Public Company Limited Announces Resignation of Nathporn Chatusripitak as Independent Director and the Audit, Environmental, Social Responsibilities, and Corporate Governance Committee, Effective from November 1, 2023
31/23/31
CI
Krungthai Card Public Company Limited Announces Resignation of Lieutenant General Apichat Chaiyadar from Director, Effective from November 1, 2023
24/23/24
CI
Krungthai Card Public Company Limited Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023
19/23/19
CI
Krungthai Card Public Company Limited Announces Appointment of Mrs. Praralee Ratanaprasartporn as Director of Nomination and Remuneration Committee
23/23/23
CI
Krungthai Card Public Company Limited Announces Resignation of Rungruang Sukkirdkijpiboon as Director and Nomination and Remuneration Committee
07/23/07
CI
Krungthai Card Public Company Limited Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2023
21/23/21
CI
Krungthai Card Public Company Limited Reports Earnings Results for the First Quarter Ended March 31, 2023
18/23/18
CI
Krungthai Card Public Company Limited Approves Dividend for the Year 2022, Payable on 3 May 2023
07/23/07
CI
Krungthai Card Public Company Limited Reports Earnings Results for the Full Year Ended December 31, 2022
20/23/20
CI
Krungthai Card Public Company Limited Approves Mr. Prasong Poontaneat as an Independent Director
14/22/14
CI
Krungthai Card Public Company Limited Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2022
20/22/20
CI
Krungthai Card Public Company Limited Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2022
21/22/21
CI
Krungthai Card Public Company Limited Reports Earnings Results for the First Quarter Ended March 31, 2022
20/22/20
CI
Krungthai Card Public Company Limited Approves Dividends for the Year 2021, Payable on May 6, 2022
07/22/07
CI
Krungthai Card Public Company Limited Reports Earnings Results for the Full Year Ended December 31, 2021
21/22/21
CI
Krungthai Card Public Company Limited Reports Earnings Results for the Fourth Quarter Ended December 31, 2021
21/22/21
CI
Krungthai Card Public Company Limited completed the acquisition of 75.1% in KTB Leasing Co., Ltd. from Krung Thai Bank Public Company Limited
21/21/21
CI
Duration Auto. 2 months 3 months 6 months 9 months 1 year 2 years 5 years 10 years Max.
Period Day Week
More charts
Krungthai Card Public Company Limited is a Thailand-based company, which is engaged in credit card, personal loan, and other related businesses. The Company operates a credit card business as its main business, including credit card related business, merchant acquiring business, payment service, as well as a personal loan business, which includes personal loan business under supervision and auto title loan. The Company also offers a range of financial products covering provincial retail lending business, occupational retail lending business, e-money business, hire purchase and leasing business, as well as holding business. Its credit card business consists of two components: card issuing and merchant acquiring businesses. The Company offers various types of credit cards, such as Generic Credit Card, Co-Branded Card, Affinity Credit Card, Government Services Credit Card, and Corporate Credit Card. Its services include payment of goods and services in lieu of cash and cash advance.
More about the company
Last Close Price
39.25
THB
Average target price
48.18
THB
Spread / Average Target
+22.76%
Consensus
1st Jan change
Capi.
-9.77% 2.77B -3.67% 52.24B -4.52% 30.56B +47.78% 27.02B +39.42% 26.64B +35.40% 20.37B +11.91% 14.21B +37.26% 12.97B +24.27% 8.82B +166.22% 8.04B
Other Consumer Lending
+951% of historical performance
More than 20 years at your side
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