Krungthai Card PCL offers credit cards and personal loans in Thailand. The credit card business makes up roughly two thirds of the company's receivables and revenue; the personal loan business accounts for the remaining third of Krungthai's business. The company earns revenue through interest charges, fees and services, recovery of bad debts, and gains on exchange rates. Interest income and fee and service income each account for roughly 40% of total revenue. Recovery of bad debts and gains on exchange rates comprise the remaining revenue. The company operates exclusively in Thailand.