Bangkok: KTC Group has announced a significant achievement in its financial performance, reporting a profit of 7,782 million baht for 2025. The company continues to make strides in the credit card and loan markets, driven by a focused digital strategy.
According to Thai News Agency, KTC Group's net profit for 2025 marks a 4.6% increase from the previous year, showcasing the company's robust financial health. The total loan portfolio reached 112 billion baht, with the non-performing loan (NPL) ratio remaining within the target range. This growth comes amid an increase in credit card spending, which continues to surpass the overall industry trend. KTC remains committed to enhancing its digital capabilities as part of its strategic direction.
Ms. Pittaya Vorapanyasakul, Chief Executive Officer of KTC, highlighted the company's resilience in a challenging economic environment. Despite the overall contraction of the consumer credit industry due to economic uncertainties and cautious consumer spending, KTC's operations during the first 11 months of 2025 showed an increased market share compared to the previous year. The spending volume via KTC cards rose to 13.6%, while the credit card receivables proportion grew to 14.9%. Personal loan receivables also saw a slight increase, reflecting the company's ability to adapt and thrive.
Ms. Pittaya noted the company's success in achieving higher net profits and maintaining strong asset quality. Looking forward to 2026, KTC plans to strengthen its loan portfolio and enhance the value and usage of credit cards. The company is investing in digital technology to improve customer experience and implement a new core system. Additionally, KTC is expanding into the insurance brokerage business, aiming to create sustainable revenue streams.
The company continues to focus on prudent business operations, closely monitoring risks and utilizing data analytics to maintain loan quality and financial stability. KTC anticipates further profit growth in 2026, projecting a total loan portfolio increase of 1-2%, with credit card spending expected to grow by 5%.
As of December 31, 2025, KTC had 3,673,244 member accounts, with total loans and accrued interest receivable amounting to 111,585 million baht. The NPL Ratio was 1.79%. Credit card membership increased by 5.9%, and personal loan membership grew by 2.9%. The company has ceased issuing leasehold loans since August 2023, focusing on debt collection and managing the quality of the existing portfolio.
KTC's total revenue for 2025 was 27,695 million baht, with total expenses decreasing by 5.23% due to better asset quality management and reduced borrowings. In the insurance brokerage business, KTC is leveraging technology to offer a variety of products, aiming for gradual and cautious expansion to enhance services and generate additional revenue.
The company's promotional activities resulted in a slight decrease in the administrative expense ratio. Strong asset management and sufficient reserves have been maintained, with a projected credit cost of 5.3% for 2025. KTC's liquidity position remains strong, with unused credit lines and outstanding debt obligations indicating low short-term default risk.