Tisco Financial Group Public Co. Ltd. · SET:TISCO

Tisco Financial Group Public — Q1 2026 Earnings Presentation

19 slides from Tisco Financial Group Public's earnings presentation, Apr 16, 2026

  1. Slide 1: TISCO Financial Group Analyst Meeting 1Q2026

    TISCO Financial Group Public Co., Ltd. Analyst Meeting 1Q2026 April 16, 2026

  2. Slide 2: Net profit grew driven by an improvement in operating income, however ECL expense increased

    Net profit grew driven by an improvement in operating income, however ECL expense increased to cushion against heightened risks. Consolidated Income Statements Unit : Million Baht 1Q25 4Q25 1Q26 % QoQ % YoY Interest Income 4,589 4,517 4,444 (1.6) (3.2) Interest Expenses (1,261) (1,100) (1,001) (9.0)

  3. Slide 3: Well-managed balance sheet to reflect the economic situations

    Well-managed balance sheet to reflect the economic situations Assets Liabilities Unit: Million Baht Unit: Million Baht -2.6% -3.8% YTD YTD 281,877 290,702 283,046 238,832 247,325 237,914 82% 81% 83% 89% 89% 89% 2024 2025 1Q26 2024 2025 1Q26 Loans Investments* Interbank & MM Other Assets Deposits & B

  4. Slide 4: Loan contracted from loan repayment in corporate lending

    Loan contracted from loan repayment in corporate lending Loan Portfolios 157,433 161,507 161,801 Unit: Million Baht -0.3% Retail Loans YTD +0.2% YTD 232,200 235,779 235,094 2024 2025 1Q26 61,342 60,971 60,046 Corporate Loans 2024 2025 1Q26 -1.5% YTD Loans by sectors 2025 1Q26 2024 2025 1Q26 Corporat

  5. Slide 5: Retail portfolio expanded along with the improvement in auto market

    Retail portfolio expanded along with the improvement in auto market Composition of Retail Loans Other Other Other Housing Housing Retail, Housing Retail, Retail, Loans, 5.8% Loans, Loans, 6.0% 4.9% 3.8% 4.2% 3.7% Auto Cash, Auto Cash, Auto Cash, HP New 26.8% HP New HP New 27.3% 26.3% 2024 Car, 49.6%

  6. Slide 6: 2M2026 Domestic car sales increased from accelerated car purchases following EV 3.0 expiration

    2M2026 Domestic car sales increased from accelerated car purchases following the expiration of EV 3.0 measure Industry New Car Sales Units 2M2026 122,218 90,000 2025 621,166 2024 572,675 50,000 2023 775,780 2022 849,388 10,000 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec *Source: The Federation o

  7. Slide 7: Auto Cash contracted amid higher risk environment, new branch opening suspended

    Auto Cash contracted amid higher risk environment, whereas new branch opening remained suspended for operating cost control Auto Cash Loans Unit: Million Baht 43,243 43,214 Auto Cash -1.5% 41,720 42,548 YTD 36,348 83.3% 84.7% 75.1% 68.0% Somwang +0.1% 62.1% 35,985 36,023 YTD Loan Generated 32,457 28

  8. Slide 8: Loan spread and NIM continued to improve resulting from gradual repricing of cost of funds

    Loan spread and NIM continued to improve resulting from the gradual repricing of cost of funds Change Change YoY QoQ 7.68% 7.51% 7.63% 7.42% 7.41% 7.43% -17 bps +2 bps Yield on Loans 5.50% 5.50% 5.65% 5.27% 5.39% 5.32% +12 bps +15 bps Loan Spread 4.95% -3 bps 4.95% +12 bps 4.85% 4.82% 4.88% 4.83% NI

  9. Slide 9: Asset quality improved thanks to cautious lending policy and efficient loan collection

    Asset quality improved thanks to cautious lending policy, efficient loan collection and proactive assistance measures Loan Classification Non-Performing Loans Unit: Million Baht Unit: Million Baht Total NPLs NPL Ratio (%) 232,200 235,779 235,094 2.22% 2.35% 2.28% NPLs 2% 2% 2% 2.11% 8% 7% 7% Stage 2

  10. Slide 10: Credit cost rose to 1.3% including cushion against risks

    Credit cost rose to 1.3% which included a setup of cushion against risks from geopolitical conflict and rising oil prices Expected Credit Loss Unit: Million Baht ECL Expense Credit Cost (%) 1.3% 1.0% 1.0% 0.6% 0.7% 0.2% 2,340 1,376 775 565 359 386 2023 2024 2025 1Q25 4Q25 1Q26 Allowance for ECL Unit

  11. Slide 11: Efficiently managed funding base to align with loan portfolio contraction

    Efficiently managed funding base to align with loan portfolio contraction Total Funding Unit: Million Baht -3.4% YTD 211,973 218,962 211,420 3% 3% 3% 84% 83% 82% 14% 14% 15% 2024 2025 1Q26 CASA Fixed Deposits Senior Debentures Unit : Million Baht 2024 2025 1Q26 % YTD Current 1,793 1,903 1,716 (9.8)

  12. Slide 12: Banking fee grew from bancassurance and loan-related fee while capital market businesses improved

    Banking fee grew from bancassurance and loan-related fee while capital market businesses improved with better market conditions Non-Interest Income from Core Businesses Non-Interest Income from Core Businesses Breakdown Unit: Million Baht Data as of 3M2026 +8.4% +28.3% IB 0.4% QoQ YoY Brokerage 9.4%

  13. Slide 13: AUMs declined from provident fund and private fund businesses

    AUMs declined from provident fund and private fund businesses 20.5% Assets Under Management 19.9% 19.0% Unit: Million Baht -4.9% Rank # 1 328,042 322,304 YTD Provident Fund 287,199 4.2% 4.4% 4.1% -1.7% YTD 448,373 406,802 426,200 15% 15% 19% 14% 15% 14% 2024 2025 1Q26 71% 71% Rank #12 1.1% 1.1% 67%

  14. Slide 14: TISCO trading volume and brokerage fee increased with capital market recovery

    TISCO trading volume and brokerage fee increased in line with a recovery in capital market conditions TISCO Trading Volume & Market Share Unit: Million Baht TISCO Trading Volume TISCO Brokerage Fee Market Share (%) 1.5% 1.6% 1.5% 1.6% 1.5% 1.4% 354,838 322,942 284,376 103,035 80,892 572 58,707 512 4

  15. Slide 15: OPEX was efficiently controlled amid fragile economic backdrop

    OPEX was efficiently controlled amid fragile economic backdrop Operating Expenses Cost to Income Ratio Unit: Million Baht -3.0% -0.7% Cost to Income (%) Cost to Income after Provision (%) QoQ YoY 52.2% 52.8% 2,242 2,295 50.8% 2,227 47.9% 46.8% 43.1% 1Q25 4Q25 1Q26 1Q25 4Q25 1Q26 Unit : Million Baht

  16. Slide 16: Maintained solid capital level and exceeded BOT's requirement

    Maintained solid capital level and exceeded BOT’s requirement Capital Base of TISCO Bank Unit: Million Baht 41,241 38,708 39,402 39,492 2023 2024 2025 1Q26* Capital Adequacy Ratio 22.3% 20.5% 20.5% 20.5% BIS Ratio 18.9% Tier I Ratio 18.7% 18.4% 18.3% Min. Required by BOT 11.0% BIS Ratio 8.5% Tier I

  17. Slide 17: New Somwang branch opening plan was suspended while focused on increasing existing branch efficiency

    New Somwang branch opening plan was suspended while focused on increasing existing branch efficiency Total Employees 5,790 5,610 5,496 5,481 2023 2024 2025 1Q26 Total Branch Network 860 856 856 698 808 805 805 645 Somwang Loan Offices Bank Branches 53 52 51 51 2023 2024 2025 1Q26 TISCO Financial Gro

  18. Slide 18: Investor Relations

    Investor Relations TISCO Financial Group Public Company Limited 48/49 TISCO Tower, North Satorn Road, Silom, Bangrak, Bangkok, 10500, Thailand +(66) 2633 6868 ir@tisco.co.th www.tisco.co.th Disclaimer This presentation material may contain forward-looking statements. These forward-looking statements

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