The document discusses strategies for KTC's credit card business in 2014-2018. It aims to secure and grow credit card spending in key categories like dining, retail, and travel by expanding privileges for high-spending customers. It also focuses on maintaining spending momentum in other categories and targeting promotions. Key communication channels include online, social media, targeted media, and internal communications. The strategies seek to acquire new customers, increase usage among existing customers, and win back inactive customers.

3. Make It BetterMake It BetterMake It BetterMake It Better

4. 2012 Report profit
2012 p p
Improve overall operational efficiency 
2013 Achieved 1,000MB Target profit

2014 “Make It Better”2014
2017
Make It Better
Enhance operating system and marketing programs
2018 in credit card businessNo.1
4
No.1

5. % of Total Receivables % of Total Revenue
5
Source: KTC

6. Top 10 Shareholders (as of June 30, 2014)
KTB
Foreign
3.72%
1 Krung Thai Bank Public Co., Ltd. 49.45%
2 Mr. Mongkol Prakitchaiwattana 12.92%
3 Thai NVDR 2.95%
49.45%
Thai
Individual
42.67%
4 Ms. Chantana Jirattitepat 2.12%
5 Mr. Sataporn Ngamruengpong 1.87%
6 Mr. Yue Kwok-Leung 1.41%
Thai
Institutional
4.16%
42.67%6 Mr. Yue Kwok Leung 1.41%
7 Mr. Saravut Anakatham 0.95%
8 Mr. Santi Kovitjindachai 0.83%
9 Mr Jaresak Songwutwichai 0 82%9 Mr. Jaresak Songwutwichai 0.82%
10 State Street Bank and Trust Company 0.63%
2011 2012 2013 1H20142011 2012 2013 1H2014
Thai Institutional Holding 51.59% 51.63% 53.18% 53.60%
Thai Individual Holding 38.43% 45.21% 43.45% 42.67%
Foreign Holding 9.97% 3.15% 3.37% 3.72%
Source: TSD
Total Number of Shareholders 4,198 2,735 3,550 3,122
6

8. Total Credit Card Spending & Private Consumption Expenditure
Baht trillion
30%9
4 38 4.56
5.00 4.99
5.43 5.74
6.29
6.48
17 1%
18.5% 18.9%
20%
25%
30%
6
7
8
9
4.06 4.38 4.56
1.60
11.3%
12.3% 13.5% 13.7%
14.3%
15.0% 15.8%
17.1%
10%
15%
20%
3
4
5
6
0.46 0.54 0.61 0.69 0.72 0.81 0.91 1.07 1.20
0.30
0%
5%
0
1
2
2005 2006 2007 2008 2009 2010 2011 2012 2013 1Q2014
Private Consumption Expenditure (Trillion Baht) Total Credit Card Spending of Industry (Trillion Baht)
Total Credit Card Spending of Industry (%)
2005 2006 2007 2008 2009 2010 2011 2012 2013 1Q2014
Source: BOT and NESDB
Total Credit Card Spending of Industry (%)
8

9. Credit Card Portfolio Number of Cards
( d )
40%40,000
Million
Baht
34 194
35,297
34 007
(Cards)
1,528,921
1,567,283
1,687,555
25%
30%
35%
25,000
30,000
35,000
2012 2013 1H14
34,194
2.2% 2.0%
1 9% 2.5% 2 6%
2.7%
34,007
6.3%2.5%-5.6%%Growth
(YoY)
116 23697 3% 98 0%97 8%
5%
10%
15%
20%
000
10,000
15,000
20,000 1.9% 2.5% 2.6%
(Baht Million)
Total Spending
116,236 120,929
61,029
97.3% 98.0%97.8%
0%
5%
0
5,000
2012 2013 1H14
5.0% 4.0% 5.1%%Growth
(Y Y)
2012 2013 1H14
<= 90 days > 90 days
%NPL (90dpd) 2012 2013 1H14
Industry 1 9% 2 3% 2 7%
Delinquency
(31-90dpd)
(YoY)
%KTC Mkt Share 2012 2013 1H14
Number of Card 9 1% 8 4% 8 7%
9
Industry 1.9% 2.3% 2.7%
KTC 2.7% 2.2% 2.0%
Source: BoT & KTC
Number of Card 9.1% 8.4% 8.7%
Receivables 13.0% 12.2% 12.4%
Total Spending 10.8% 10.1% 9.9%

10. % Growth (Y-o-Y)
18.7%
14.3%
# of Cards Credit Card Receivable Credit Card Spending
11.2%
8 2% 8.7%
10.1% 10.0%
9.6% 9.3%
6.3%
11.0%
11.7%
9.6%
8.2% 8.7%
5.0%
2.9%
7.3%
2.5%
5.6%
3.8% 4.0%
3.1%
%
4.0%
2012 2013 1Q14 2Q142012 2013 1Q14 2Q14
1.0%
2012 2013 1Q14 2Q14
dIndustry KTC-5.6% Industry KTC
Source: BoT & KTC 10
Industry KTC

11. Personal Loan Portfolio Number of Accounts
16 000
Million
Baht 663,770
15,121 15,855 663,770
10,000
12,000
14,000
16,000
638,959
,
1.5% 1.2%
2.5%
13,242
626 326
638,959
98.5%97.5% 98.8%4,000
6,000
8,000 626,326
2.1%
3.4%
3.3%
626,326
0
2,000
2012 2013 1H14 2012 2013 1H14
D li
2012 2013 2012 2013 1H141H14
> 90 d < 90 d> 90 days <= 90 days
%NPL (90dpd) 2012 2013 1H14
Delinquency
(31-90dpd)
> 90 days <= 90 days
%KTC Mkt Share 2012 2013 1H14
11
Industry 3.0% 3.7% 4.2%
KTC 2.5% 1.5% 1.2%
Source: BoT & KTC
Number of Acct 6.3% 5.6% 5.7%
Receivables 5.1% 5.1% 5.2%

12. % Growth (Y-o-Y)
16.1%
PL Receivable# of Accounts
20 5%
10.8%
12.5%
20.5%
16.3%
12.9%
7.7%
7.3%
2 0% 2 2%
5.3%
8.8%4.1%
14.2%
12.7%
9.7%
2.0% 2.2%
2012 2013 1Q14 2Q14 2012 2013 1Q14 2Q14
Industry KTC Industry KTC
Source: BoT & KTC 12
Industry KTC Industry KTC

13. Million Baht (%YoY) Million Baht (%YoY) Million Baht (%YoY)
Total Revenue (excluding extra income) 12,622 1.0% 13,036 3.3% 6,883 8.9%
1H14Y2013Y2012
Operating Results
( g ) , , ,
Bad Debt Recovery 1,193 40.1% 1,446 21.3% 835 25.5%
Administrative Expenses 6,565 0.4% 4,750 -27.6% 2,544 11.7%
Fee & Outsource Service Expenses 1,658 -24.9% 1,109 -33.2% 555 0.3%
Interest Expense 1,941 0.0% 1,865 -3.9% 876 -5.9%
Pre-Provisioning Profit (exc. extra income) 4,116 2.5% 6,421 56.0% 3,462 1.4%g ( ) , , ,
Write-Off and Provision 3,531 -37.1% 5,090 44.1% 2,424 -2.0%
Profit (loss) before Tax (exc. extra income) 585 136.6% 1,331 127.8% 1,038 10.2%
Income Tax - Income (Expense) (330) -1245.1% (295) 10.6% (212) 7.8%
Net Operating Profit
(excluding extraordinary items)
255 115.7% 1,037 306.6% 826 65.3%
Extraordinary income related to the sale of the investment 307
Income tax - income (expense) of Extraordinary items (61)
13
1,283Net Profit (Loss)
Sources: KTC

14. Fund UsageKey B/S Figures
on
ht
n BahtBillion Baht Billion Baht
5.0%
4 8%
38.739.438.749.1 49.951.9
43.9 43.5
45.8
%
4.5%
4.8%
11% 13%
61% 63%58%
13%
8.5 x 7.5 x 6.8 x
2012 2013 1H14
11% 13%
28% 24%
13%
29%
2012 2013 1H14
5.2 6.46.1
38.7
39.4
38.7
2012 2013 1H14 1H14201320122012 2013 1H142012 2013 1H14
Assets Liabilities Equity
D/E ratio Interest Bearing Debt
Assets Liabilities Equity
2012 2013 1H14 1H1420132012
Short-term Loan
Long-term Loan
KTB
Debenture
14
Sources: KTC
14
Cost of fund

15. Year
2012
** Year
2013
1H 2014
Net Profit Margin 2.0% 8.0% 12.0%
Cost to Income Ratio 52.0% 36.4% 37.0%
Operating Cost to Income Ratio* 30 1% 28 0% 27 4%Operating Cost to Income Ratio* 30.1% 28.0% 27.4%
Average Interest Received (including credit usage) 18.2% 18.2% 18.9%
Average Cost of Fund 5.0% 4.8% 4.5%
Net Interest Margin (including credit usage) 13.2% 13.4% 14.4%
D/E Ratio (times) 8.5 7.5 6.8
ROE 5 1% 18 3% 26 3%ROE 5.1% 18.3% 26.3%
ROA 0.5% 2.1% 3.2%
Allowance/Total Receivables 7.3% 8.8% 9.3%
Allowance/NPL (times) 2.0 2.9 3.3
Dividend Payout Ratio 40.4% 40.2% N/A
B k V l Sh (B ht) 20 1 23 8 25 0
15
* Excluding Net Interchange/Marketing Expenses/Loss from impairment assets in 2012/Acquisition
** Excluding extraordinary items related to the sale of the investment
Book Value per Share (Baht) 20.1 23.8 25.0

17. marketing
activities
Credit Card
August ’2014
17

18. Secure & grow
spending
Build trust &
offer convenience
in key
categories
& spending
privileges
for online users
Expand
privileges to
upper dining &
Create satisfaction
& card spending &
l lt ith upper dining &
retail & travel
segment
loyalty with
targeted
promotions
More focus in key
provinces, both
new cards &
Maintain
privileges
momentumnew cards &
spending
momentum
in other
categories
Targeted
i i
Online channel/
social network
Targeted media
Internal
communication
channels
PR activities communication
channel
18

19. Secure & grow spending in key categories
Expand privileges to upper dining retail travel segment
Shopping
Expand privileges to upper dining, retail, travel segment
19

20. Dining
Upper Dining Key provinces : stand alone restaurants
• 100 restaurants in Chiang Mai
• 50 restaurants in Udon ,
Ubon, Khon-Khan
• 20 restaurants in Phuket
• 40 restaurants in Hua-Hin
• 50 restaurant in Chonburi
• 30 restaurants in Korat,Khaoyai30 restaurants in Korat,Khaoyai
20

21. ONE STOP TRAVEL SERVICE EXTENSIVE TRAVEL & LEISURE PRIVILEGES
Travel
Flyer RewardsFlyer Rewards
Car Rentals
World Class Attractions
Online BookingOnline Booking
k hWorkshops
21

22. Travel
22

23. Maintain privileges momentum in other categories
Health & Beauty Auto/Home & Family “enhance frequent usage ““secure key partners”
23

24. ms
“attractive point earning campaign”
program
Earning
tactic
burning
tactic
rning&b
“Friday delight … the super value point campaign”
bothearlancingb
Burning
tactic
Bal
24

25. More focus in key provinces
Promotion events with key partners Property Developers Hardware stores
Electrical appliances stores IT stores
Joint promotion with local partners
Electrical appliances stores IT stores
Hospitals
Hotels Restaurants
Hospitals
25

26. Targeted promotions
Increase spending
Win back
26

27. Online usage privileges with key partners
25% off with www.moxyst.com
Targeted Online promotion
300THB off with www.tohome.comShop online to get X10 reward point
g p
27
600THB off with www.lazada.com Flexi 0% with 3 leading websites200THB off with www.sanoga.com

28. “TapKTC” & “ClickKTC”
• Simple & easy to use
• Convenience
• Secure & consistent
28

29. The Acquisition PromotionThe Acquisition PromotionThe Acquisition PromotionThe Acquisition Promotion
The objective:
• To acquire new member for KTC PROUD
• To stimulate for first withdrawal behavior
1st cash WD, pay interest only
• To create value perception among potential
One Baht
• Any new member approved during 1 Jun – 30 Sep 2014Any new member approved during 1 Jun 30 Sep 2014
• Pay interest only “One Baht” for any amount of 1st cash WD
via ATM (1st cash WD within first 2 cycles only)
• Register via SMS to 081-376-1387 or KTC website by 15 Oct
2014
Communication channel:
Sales talk/Leaflet/Poster/Counter stand/
Website/Plasma @ touch
2929

30. Mechanic:
KTC Existing Revolving loan customers who have
incremental interest and usage fee at least 50 baht get
Cash Back up to 50%Cash Back up to 50%
And 1,000 baht Cost-Saving Vouchers when registered
every 100 number
Promotion period :
1 June – 20 September 2014
Communication :
Internal Media : The Stories, Statement envelop,
Statement message, Website, Standee @ Touch
E-newsletter
3030

31. 3131

32. สินเชื่อพร้อมใช้สนเชอพรอมใช
ใช้ชีวิตที่คณภมิใจใชชวตทคุณภูมใจ
3232

33. KTC PROUDKTC PROUDKTC PROUDKTC PROUD
CashCashCashCash Min PayMin Pay
WDWD ATM Touch
CashCash
WDWD 33%%
@Partners
AssetAsset
InstallInstall
AssetAsset
I t ll tI t ll t
InstallmentInstallment
3636mmInstallInstallInstallmentInstallment MaxMax 3636mm
Installment
33

34. Not only cash card
But also…
เบิกถอนเงินสดเพื่อชําระค่าสินค้า
3434

35. Press Conference
July 8, 2014
35

36. Press Release
36
36

37. TVC 30 & 60 sec
Strip ad Press ad 37

38. TVC 60 Sec
38

39. TVC 30 Sec
39

40. Name Title Email Telephone
1 Linda Chaisrisukumporn VP – Investor Relations Linda.c@ktc.co.th +66 2 828 5067
2 Burin Kanchanomai IR Officer Burin.k@ktc.co.th +66 2 828 5059
3 Piyada Eiamsopa IR Officer Piyada.e@ktc.co.th +66 2 828 5317
4 Thitaya Dhewongraksa IR Officer Thitaya.d@ktc.co.th +66 2 828 5310
Disclaimer: This presentation is intended only for use by Krungthai Card Public Company Limited (KTC). No copy or use of this presentation should occur
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