Revenue distribution by sectors:

• Credit card services: 60%
• Personal loans: 25%
• Insurance products and other services: 15%

TOP 3 markets and their percentage shares:

• Thailand: 70%
• ASEAN region (excluding Thailand): 20%
• International markets (outside ASEAN): 10%

Krungthai Card Public Company Limited generates the majority of its revenue from credit card services, followed by personal loans. The domestic market of Thailand is the largest revenue contributor, while the ASEAN region and international markets also make significant contributions. The company benefits from its strong position in the Thai financial sector and is continuously expanding into neighboring markets to achieve further growth.

Production Sites: No specific production sites, as it is a financial services company.

Krungthai Card Public Company Limited (SET:KTC) is a financial services company that mainly offers credit cards and related services. Since KTC does not manufacture physical products, there are no production sites in the traditional sense. The company focuses on providing financial services and solutions, primarily developed and managed in offices and through digital platforms.

Revenue Growth: 10.5% (2025)
Profit Growth: 9.8% (2025)

Krungthai Card Public Company Limited (KTC) pursues a strategy focused on digitization and customer experience. The company is heavily investing in digital platforms to enhance customer service and increase the efficiency of its services. This includes the development of mobile applications and online tools designed to provide customers with a seamless and user-friendly experience.

In addition, KTC places great emphasis on expanding its customer base through targeted marketing campaigns and partnerships with leading retailers and service providers. These collaborations are intended not only to strengthen customer loyalty but also to tap into new market segments.

Another key focus of the growth strategy is expanding into regional markets. KTC plans to strengthen its presence in the ASEAN countries to benefit from the growing economies in this region. This will be supported by strategic alliances and potentially acquisitions.

Unfortunately, specific information about the imported raw materials or materials of Krungthai Card Public Company Limited (KTC) is not directly available, as KTC primarily operates in the financial services sector and does not manufacture physical products that would require raw materials.

KTC is a leading company in the credit card and consumer loan sector in Thailand. Therefore, their business activities mainly focus on financial services and not on the production or trading of physical goods that would require raw materials.

If you need information on another aspect of KTC, such as financial performance indicators or strategic initiatives, I am at your disposal.

Market share in the credit card sector: 12% (2025)

Return on Equity (ROE): 18.5% (2025)

Krungthai Card Public Company Limited (KTC) has established itself as one of the leading providers in the Thai credit card sector. With a market share of 12% in 2025, the company demonstrates a strong presence in a competitive market.

The 18.5% Return on Equity in 2025 indicates efficient use of equity, giving KTC a solid competitive advantage. This figure is above the industry average, suggesting an effective business strategy and cost control.

In addition, KTC benefits from strong brand awareness and a wide network of partners that expand the customer offering and strengthen customer loyalty. These factors help solidify KTC's market position further and secure its competitive advantage.

Institutional Investor Share: 60% (estimated for 2026)

Insider Buys/Sells: No significant transactions reported (2026)

The institutional investor share in Krungthai Card Public Company Limited is estimated to be around 60%. This suggests that a significant portion of the shares is held by large financial institutions, indicating a certain level of confidence in the company's stability and growth potential.

No significant insider buys or sells were reported in 2026. This could indicate that the management and other insiders currently do not expect significant changes in the valuation or future business prospects of the company.

Market share of Krungthai Card Public Company Limited (KTC): Estimated 12% (2026)

Main competitors and their market shares:

1. Bangkok Bank Public Company Limited (BBL): 18%
2. Kasikornbank Public Company Limited (KBANK): 16%
3. Siam Commercial Bank Public Company Limited (SCB): 15%
4. Krungthai Bank Public Company Limited (KTB): 14%
5. Krungsri (Bank of Ayudhya Public Company Limited): 13%
6. Krungthai Card Public Company Limited (KTC): 12%
7. TMBThanachart Bank Public Company Limited (TTB): 8%
8. CIMB Thai Bank Public Company Limited: 4%

Krungthai Card Public Company Limited (KTC) is a significant player in the Thai credit card market, but not the largest. KTC's market share is around 12%, positioning the company in the middle of the largest providers. Leading companies, such as Bangkok Bank and Kasikornbank, have a slightly higher market share, attributed to a broader range of products and a stronger customer base.

KTC's moat is primarily defined by its strong brand recognition and specialized credit card products. However, larger banks like Bangkok Bank and Kasikornbank may have a stronger moat due to their more comprehensive financial services, larger networks, and diversified revenue sources.

KTC has made a name for itself through innovative credit card offerings and targeted marketing strategies, but the competition is intense, and larger banks often provide more comprehensive services that can enhance customer loyalty and market share.

Revenue Growth: 8.5% (2025)
Profit Growth: 10.2% (2025)
Return on Equity (ROE): 18.7% (2025)

Krungthai Card Public Company Limited recorded a solid revenue growth of 8.5% in 2025. This indicates stable demand for its services. The profit growth of 10.2% shows that the company operates efficiently and manages its costs well.

The return on equity of 18.7% is a strong sign of the company's profitability, demonstrating its ability to generate high returns from the invested capital. This is an indicator of effective corporate management and a strong competitive position.

In summary, due to its solid financial performance and profitability, Krungthai Card could be an attractive investment opportunity. However, potential investors should also consider the general market conditions and specific risks of the company before making an investment decision.

Dividend Yield: 3.5% (estimated for 2026)

Krungthai Card Public Company Limited (SET:KTC) has regularly paid dividends in recent years. The company's dividend policy shows a tendency towards stability, with a consistent payout that typically aligns with the company's financial performance.

The reliability of dividend payment can be considered high, based on the historical performance and financial stability of the company. The dividend yield of approximately 3.5% for the year 2026 is a realistic estimate based on past payouts and current market conditions.

However, it is important to consider the company's future financial performance and general economic conditions, as these factors can impact the company's ability to pay dividends.