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

Tisco Financial Group Public — Q4 2012 Earnings Presentation

20 slides from Tisco Financial Group Public's earnings presentation, 2013

  1. Slide 1: Analyst Presentation 4Q/2012 and FY2012

    TISCO Financial Group Public Co., Ltd. Analyst Presentation 4Q/2012 and FY2012 1

  2. Slide 2: Consolidated Income Statements

    Consolidated Income Statements Unit: Million Baht 4Q11 3Q12 4Q12 %QoQ %YoY 2011 2012 %YoY Interest income 3,334 3,940 4,241 7.6 27.2 12,369 15,211 23.0 Interest expense (1,876) (2,117) (2,313) 9.3 23.3 (5,461) (8,166) 49.5 Net interest income 1,459 1,823 1,928 5.7 32.1 6,907 7,044 2.0 Fee and servic

  3. Slide 3: Assets and Liabilities

    Assets and Liabilities Assets Liabilities Unit: Million Baht 6.5%QoQ Unit: Million Baht 6.5%QoQ 31.6%YTD 33.1%YTD 290,497 272,117 Other Liabilities 272,808 255,470 Other assets 220,718 204,406 Debentures Interbank & MM LT Borrowings 85% 83% 86% 84% Investments Interbank & MM 84% 83% Loans Deposits &

  4. Slide 4: Loan Portfolio

    Loan Portfolio Total Loan Portfolio Unit: Million Baht 8.8%QoQ 34.2%YTD 248,316 228,212 Other Loans 185,014 17% 17% SME Loans 16% 73% Corporate Loans 73% 74% Retail Loans 2011 3Q12 2012 Retail Loans SME Loans Corporate Loans Unit: Million Baht 8.8%QoQ Unit: Million Baht 22.5%QoQ Unit: Million Baht 2

  5. Slide 5: Retail Loan Portfolio

    Retail Loan Portfolio Retail Loan Breakdown 2011 3Q12 2012 HP New Car, HP New Car, HP New Car, 73.0% 71.6% 71.4% Consumer Consumer Consumer Finance, 7.4% Finance, 8.2% Finance, 8.1% Motorcycle HP, Motorcycle HP, Motorcycle HP, 1.4% 1.3% 1.3% Others, 1.0% Others, 0.8% Others, 0.8% HP Used Car, HP Use

  6. Slide 6: Industry Car Sales and Penetration Rate

    Industry Car Sales and Penetration Rate Industry New Car Sales Units 160,000 2010 120,000 2011 80,000 2012 40,000 - Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec TISCO Auto HP Penetration Rate No. of New Car Sales ('000 Units) Penetration Rate (%) 1,436.1 12.0% 12.3% 11.5% 11.2% 11.4% 11.0% 9.0% 9

  7. Slide 7: Loan Spread and Net Interest Margin

    Loan Spread and Net Interest Margin Yield on Loans and Cost of Funds 7.0 6.9 6.9 % Yield on loans 6.7 6.9 6.6 6.8 6.7 6.6 6.7 6.8 6.8 6.7 6.6 6.5 5.1 5.1 4.8 4.8 4.4 4.3 4.1 3.9 % Loan spread 3.7 3.7 3.7 3.7 3.7 3.6 3.5 2.6 3.4 3.1 3.0 2.1 2.2 3.1 3.1 3.1 3.0 1.9 1.9 2.0 2.7 1.9 % Cost of funds 2010

  8. Slide 8: Asset Quality

    Asset Quality NPL and NPL Ratio Unit: Million Baht Total NPL % NPL 1.8% 1.4% 1.4% 1.3% 1.2% 1.2% 1.2% 3,099 3,099 2,654 2,612 2,820 2,761 2,712 2010 2011 2012 1Q12 2Q12 3Q12 4Q12 2011 3Q12 2012 NPL by Loan Type (Million Baht) (%) (Million Baht) (%) (Million Baht) (%) Corporate 393 1.3 380 1.0 389 0.

  9. Slide 9: Provisions

    Provisions Provision Expense and Credit Cost Unit: Million Baht Provision expense (Million Baht) % Credit cost 1.5% 1.2% 1.0% 0.8% 0.9% 0.9% 0.8% 0.7% 0.5% 0.9% 0.7% 1,947 1,922 1,283 591 532 539 352 328 302 302 260 2010 2011 2012 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 Minimum Required Provision vs

  10. Slide 10: Deposits

    Deposits Total Deposits & Bill of Exchanges Unit: Million Baht 6.8% QoQ 35.8% YTD 239,458 224,216 6% LT Bill of Exchanges 176,376 14% ST Debentures 79% ST Bill of Exchanges 75% 68% Fixed Deposits 10% CASA 12% 14% 13% 2011 3Q12 2012 Unit: Million Baht 2011 3Q12 2012 %QoQ %YTD Current 3,423 3,986 2,76

  11. Slide 11: Non-Interest Income

    Non-Interest Income Non-Interest Income from Core Businesses Non-Interest Income Breakdown Unit: Million Baht 4,804 23.2% QoQ 30.2% YoY 37.1% YoY 3,688 IB, 2.6% Bancassurance, Brokerage, 13.0% 38.2% Banking Fee 70.2% 1,436 HP Related, 1,166 29.1% 1,047 AM, 14.1% Other Banking, 2.9% 2011 2012 4Q11 3Q

  12. Slide 12: Asset Management Business

    Asset Management Business TISCO Asset under Management Unit: Million Baht 4.3% QoQ 12.3% YTD Rank #8 152,724 146,411 135,950 22% 22% Private Fund 27% 15% 16% 10% Mutual Fund 63% 63% 62% Provident Fund 2011 3Q12 2012 Provident Fund Private Fund Mutual Fund Unit: Million Baht 3.6% QoQ Unit: Million Ba

  13. Slide 13: Brokerage Business

    Brokerage Business TISCO Trading Volume and Market Share TISCO Volume (Million Baht) Market share (%) 408,339 3.8% 333,211 321,303 3.1% 3.0% 2.8% 2.9% 2.9% 2.7% 2.6% 2.6% 2.5% 2.4% 144,445 94,069 82,899 82,653 98,342 73,554 85,868 67,813 2010 2011 2012 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 Remark:

  14. Slide 14: Operating Expenses

    Operating Expenses Cost to Income Ratio Cost to Total Assets Ratio Cos t-to-i ncome Cos t-to-i ncome net * Cos t to total as s ets Cos t to tota l a s s ets - net * 48.9% 50.0% 49.6% 44.6% 43.4% 42.7% 43.6% 41.7% 39.8% 42.7% 2.6% 2.5% 2.2% 2.2% 2.0% 2.0% 1.8% 1.8% 1.9% 2.0% 2011 2012 4Q11 3Q12 4Q12

  15. Slide 15: Capital Adequacy

    Capital Adequacy Capital Adequacy Ratio of TISCO Bank 15.2% 14.9% 14.9% 14.9% 14.6% 13.8% 14.0% 14.3% 13.6% 13.3% 13.3% 11.3% 9.9% 10.8% 9.8% 9.9% 9.9% 9.6% 9.4% 9.0% 9.0% 9.0% Capital Base (MB) 21,284 21,284 19,937 20,897 18,493 17,751 18,553 18,493 18,984 17,795 16,227 BIS Ratio (%) Tier I (%) 201

  16. Slide 16: Interest Rate Risk

    Interest Rate Risk Duration of Assets and Liabilities Unit: Years Assets Liabilities Duration Gap 1.57 1.54 1.56 1.53 1.56 1.51 1.53 1.50 1.48 1.48 1.48 0.94 0.90 0.92 0.88 0.89 0.91 0.96 0.94 0.86 0.88 0.84 0.71 0.65 0.67 0.65 0.64 0.64 0.64 0.59 0.55 0.54 0.54 2010 2011 2012 1Q11 2Q11 3Q11 4Q11 1Q

  17. Slide 17: Employee and Branch Network

    Employee and Branch Network Total Branch Network No. of Employee 87 87 3,679 3,679 79 3,395 3,515 3,584 71 3,335 3,055 63 58 50 2010 2011 2012 1Q12 2Q12 3Q12 4Q12 2010 2011 2012 1Q12 2Q12 3Q12 4Q12 17

  18. Slide 18: Disclaimer

    Disclaimer This presentation material may contain forward-looking statements. These forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and actual results may differ from those in the forward looking statements as a result of various factors. TISC

  19. Slide 19: Investor Relations

    Investor Relations TISCO Financial Group Public Company Limited 48/2 TISCO Tower, North Sathorn Road Silom, Bangrak, Bangkok 10500 Thailand Tel: +66-2-633-6868 Fax: +66-2-633-6855 Email: ir@tisco.co.th Website: www.tisco.co.th 19

  20. Slide 20: TiS Wealth of Possibilities

    . TiS Wealth of Possibilities

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