’ burden by reducing minimum payment for credit card and personal loan as well as providing a grace period and relief program in the first quarter of 2020. Moreover, the Company adopted a more cautious in
and Loss Statement (Consolidated) Unit : Million Baht Consolidated Separate 1Q/21 4Q/21 1Q/22 %QoQ %YoY 1Q/21 1Q/22 %YoY Credit card income Loan income Hire-purchase income Other income 1,550 2,612 273
support franchise business starters seeking 13 to become an established brand through a franchise credit program and a loan program granted jointly with sponsors, which has been implemented continually and
revenue by leveraging its resources across various financial products and services. 31% 34% 36% 36% 50% 47% 45% 44% 5% 5% 5% 5% 14% 14% 14% 17% 2021 2022 2023 9M24 Credit Card Personal Loan Hire Purchase
credit ratings of structured finance products are appropriate when the risk characteristics of the assets underlying a structured finance product change materially. Where feasible and appropriate for the
loan; and (5) A product offering a special credit line to SME customers for tax payment to government agencies via K-Cash Connect Plus and K-Corporate Payment Card (Tax Smart Card). Furthermore, KBank
%YoY Credit card income Loan income Hire-purchase income Other income 1,910 2,451 261 803 (4%) 2% 5% 6% 7,642 10,385 1,029 3,277 7,819 9,950 998 3,198 2% (4%) (3%) (2%) 7,488 10,274 246 3,108 7,653 9,805
described as follows: Profit and Loss Statement (Consolidated) Unit : Million Baht Consolidated Separate 2Q/22 %YoY 1H/21 1H/22 %YoY 1H/21 1H/22 %YoY Credit card income Loan income Hire-purchase income Other
Statement (Consolidated) Unit : Million Baht 2Q/19 1Q/20 2Q/20 %QoQ %YoY 1H19 1H20 %YoY Credit card income Loan income Hire-purchase income Other income 1,887 3,020 173 584 1,738 3,076 249 593 1,621 2,905 240
% -22% 11% Total Revenues 5,820 12% 15,597 16,780 8% 14,872 15,945 7% Operating and administrative expenses Expected credit loss Finance costs Other expenses 2,039 1,884 475 0 5% 6% 12% 0% 5,846 5,011