Mitihoon – KTC presents an overview of the personal loan market in Q1 and unveils its strategic plan to actively expand quality loan membership through digital channels. The company has partnered with 4 smartphone and IT equipment retailers – AIS, True Shop, Advice, and TG at participating branches – to meet customer needs for purchase product. Consumers can apply for the ‘KTC PROUD’ Cash Card through e-Application at partner stores nationwide, with approval in just 30 minutes, enjoy 0% interest installments for up to 24 months, and take products home right away, along with complete debt-clearing benefits for those who use credit and make payments on time as required, to encourage financial discipline.
Miss Phichamon Jitpentham, Head of Personal Loans at Krungthai Card Public Company Limited (KTC), stated, “The overall personal loan industry in Q1 of 2025 continues to slow down, partly due to household incomes that have not fully recovered and high debt levels. KTC remains focused on expanding loan portfolio while simultaneously controlling asset quality. For this reason, KTC has a strategy to expand loan application channels to target groups who need credit lines to purchase necessities such as smartphones, computers, IT equipment, or automotive accessories. In this first phase, KTC has collaborated with 4 retail partners: AIS, True Shop, Advice, and TG at participating branches, to meet the demand for smartphone or IT equipment installment payments at point of sale. Consumers can apply for the ‘KTC PROUD’ Cash Card through the e-Application at over 1,000 participating stores nationwide with approval in just 30 minutes, take products home right away, and enjoy an extremely valuable promotion of 0% interest installments for up to 24 months.”
“In the future, KTC plans to expand collaboration with other retail partners offering installment payment options at point of sale to create opportunities for member base expansion. We focus on fulfilling consumer needs in terms of speed, security, and worthiness. KTC believes that meeting consumer demands will drive growth in the loan market. Furthermore, members can ease their debt burdens through KTC’s ‘Debt Clearance’ project, which has been running for 15 years, easing burdens for 6,000 debtors with over 51 million baht in aid. This initiative supports financial discipline and serves as a positive incentive to truly improve the quality of life for our loan members.”
As of March 31, 2025, there were 690,178 “KTC PROUD” Cash Card members, with total loans to personal loan customers and accrued interest receivables of 34,857 million baht, reflecting a growth of 5.2%. The non-performing loan (NPL) ratio for personal loans was at 2.35%.
The “KTC PROUD” Cash Card can be applied for online through the e-Application by simply filling in information, uploading documents, and verifying identity via smartphone, with approval in 30 minutes when applying between 8:00 a.m. and 7:30 p.m. The card can be used for purchases, cash withdrawals, money transfers, and installment payments. Cardholders can also request credit line increases through the KTC Mobile app, available 24/7. To apply, visit https://ktc.today/KTC-PROUD. For more information, contact any “KTC TOUCH” branches nationwide or call KTC PHONE 02 123 5000, press 0, then 2.
“KTC PROUD” Cash Card members should borrow only what they need and can afford to repay, with interest rates ranging from 20% to 25% per year.
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