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

Tisco Financial Group Public — FY2020 Earnings Presentation

19 slides from Tisco Financial Group Public's earnings presentation, Jan 18, 2021

  1. Slide 1: TISCO Financial Group Analyst Meeting FY2020

    TISCO Financial Group Public Co., Ltd. Analyst Meeting FY2020 January 18, 2021

  2. Slide 2: Consolidated Income Statements

    Consolidated Income Statements Unit : Million Baht 4Q19 3Q20 4Q20 % QoQ % YoY 2019 2020 % YoY Interest Income 4,735 4,082 4,000 (2.0) (15.5) 17,881 16,757 (6.3) Interest Expenses (1,263) (830) (740) (10.8) (41.4) (5,089) (3,659) (28.1) Net Interest Income 3,472 3,252 3,259 0.2 (6.1) 12,792 13,098 2.

  3. Slide 3: Assets and Liabilities

    Assets and Liabilities Assets Liabilities Unit: Million Baht Unit: Million Baht -0.2% -7.6% -0.9% -8.9% QoQ YoY QoQ YoY Unit : Million Baht 2019 3Q20 2020 % QoQ % YoY Unit : Million Baht 2019 3Q20 2020 % QoQ % YoY Deposits & Loans 242,826 224,900 224,812 (0.0) (7.4) 234,421 212,633 209,679 (1.4) (10

  4. Slide 4: Loan Portfolios

    Loan Portfolios Total Loans Unit: Million Baht -0.0% -7.4% -2.0% QoQ YoY Retail Loans QoQ -8.3% YoY Corporate Loans +3.5% QoQ +2.0% YoY Loans by sectors SME Loans +23.7% QoQ -24.0% YoY 4

  5. Slide 5: Retail Loan Portfolio Breakdown

    Retail Loan Portfolio Breakdown Unit: Million Baht -2.0% QoQ -8.3% YoY -1.5% QoQ -8.1% YoY -2.7% QoQ -5.0% YoY -4.8% QoQ -1.8% QoQ +0.8% QoQ -18.4% YoY -8.9% YoY +1.3% YoY 5

  6. Slide 6: TISCO Auto Cash

    TISCO Auto Cash Auto Cash Loans Unit: Million Baht Auto Cash -2.7% -5.0% QoQ YoY Somwang -0.9% -2.0% QoQ YoY Loan Generated through Somwang channel Somwang Loans vs NPLs Somwang Branches 6

  7. Slide 7: Industry Car Sale & Penetration Rate

    Industry Car Sale & Penetration Rate Industry New Car Sale Units 110,000 80,000 50,000 20,000 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec TISCO’s Auto HP Penetration Rate TISCO’s Penetration Rate Industry Car Sale -25.1% YTD 7

  8. Slide 8: Interest Income & NIM

    Interest Income & NIM Yield on Loans Net Interest Income Unit: Million Baht Loan Spread +2.4% YoY Cost of Funds +0.2% -6.1% QoQ YoY Loan Spread NIM 8

  9. Slide 9: Asset Quality

    Asset Quality Loan Classification Non-Performing Loans Unit: Million Baht Unit: Million Baht NPLs Stage 2 Stage 1 2019 3Q20 2020 NPLs by Loan Types Million Baht % Million Baht % Million Baht % Corporate 259 0.7 - - - - SME 158 1.2 118 1.5 64 0.6 Hire Purchase 3,249 2.4 3,575 2.8 3,268 2.6 Mortgage 1

  10. Slide 10: Expected Credit Loss

    Expected Credit Loss Expected Credit Loss Unit: Million Baht Allowance for ECL Unit: Million Baht TFRS 9 Coverage Ratio Coverage Ratio Excess Reserve General Provision Expected Credit Loss (ECL) Specific Provision 10

  11. Slide 11: Funding

    Funding Total Funding Unit: Million Baht -1.4% -10.6% QoQ YoY Unit : Million Baht 2019 3Q20 2020 % QoQ % YoY Current 2,638 2,580 3,200 24.0 21.3 Savings 37,802 44,138 50,320 14.0 33.1 Fixed Deposits 175,645 158,038 149,953 (5.1) (14.6) Short-Term Bill of Exchanges 37 37 37 - - Senior Debentures 18,3

  12. Slide 12: Non-Interest Income

    Non-Interest Income Non-Interest Income from Core Businesses Non-Interest Income from Core Businesses Breakdown Data for FY2020 Unit: Million Baht -12.4% YoY +6.3% -11.1% QoQ YoY Unit : Million Baht 4Q19 3Q20 4Q20 % QoQ % YoY 2019 2020 % YoY Ba nki ng Fee 1,191 830 848 2.2 (28.8) 4,407 3,321 (24.6)

  13. Slide 13: Asset Management Business

    Asset Management Business Assets Under Management Rank #1 Unit: Million Baht +7.0% +9.8% Provident Fund +5.6% QoQ YoY QoQ +11.8% YoY Rank #13 Mutual Fund +12.0% QoQ +8.5% YoY Rank #5 Rank #8 Private Fund +7.6% *Remark: Market Share and Rankings as of November 2020 QoQ +4.3% YoY 13

  14. Slide 14: Brokerage Business

    Brokerage Business TISCO Trading Volume & Market Share Unit: Million Baht Trading Volume by Customers 14

  15. Slide 15: Operating Expenses

    Operating Expenses Operating Expenses Unit: Million Baht -13.6% YoY Cost to Income Ratio +1.8% -10.9% QoQ YoY Unit : Million Baht 4Q19 3Q20 4Q20 % QoQ % YoY 2019 2020 % YoY Empl oyee Expens es 1,626 1,409 1,387 (1.5) (14.7) 6,410 5,288 (17.5) Premi s es & Equi pment Expens es 336 314 316 0.8 (5.9) 1

  16. Slide 16: Capital Adequacy

    Capital Adequacy Capital Base of TISCO Bank Unit: Million Baht Capital Adequacy Ratio BIS Ratio Tier I Ratio Min. Required by BOT 11.0% BIS Ratio 8.5% Tier I Ratio *Remark: Projected figures 16

  17. Slide 17: Employees and Branch Network

    Employees and Branch Network Total Employees Employees Total Branch Network Somwang Loan Offices Bank Branches 17

  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 +(66) 2633 6855 ir@tisco.co.th www.tisco.co.th Disclaimer This presentation material may contain forward-looking statements. These forward-lo

  19. Slide 19: Slide 19

TISCO Financial Group Public — FY2020 Earnings Presentation on 6ix