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

Tisco Financial Group Public — FY2017 Earnings Presentation

21 slides from Tisco Financial Group Public's earnings presentation, Jan 15, 2018

  1. Slide 1: Analyst Meeting FY2017

    TISCO Financial Group Public Co., Ltd. Analyst Meeting FY2017 January 15, 2018

  2. Slide 2: Consolidated Income Statements

    Consolidated Income Statements Unit : Million Baht 4Q16 3Q17 4Q17 % QoQ % YoY 2016 2017 % YoY Interest Income 3,978 3,981 4,636 16.5 16.5 16,012 16,469 2.9 Interest Expenses (1,199) (1,208) (1,278) 5.7 6.6 (5,091) (4,815) (5.4) Net Interest Income 2,780 2,772 3,358 21.1 20.8 10,920 11,655 6.7 Fee &

  3. Slide 3: Assets and Liabilities

    Assets and Liabilities Assets Liabilities Unit: Million Baht Unit: Million Baht 12.1% QoQ 13.1% QoQ 11.9% YoY 12.0% YoY Unit : Million Baht 2016 3Q17 2017 % QoQ % YoY Unit : Million Baht 2016 3Q17 2017 % QoQ % YoY Deposits & Loans - Net 224,934 215,038 251,396 16.9 11.8 218,073 215,198 245,202 13.9

  4. Slide 4: Loan Portfolio

    Loan Portfolio Total Loan Portfolio Unit: Million Baht 16.9% QoQ 11.8% YoY Retail Loans SME Loans Corporate Loans Unit: Million Baht Unit: Million Baht Unit: Million Baht 19.9% QoQ 15.7% QoQ 6.9% QoQ 15.6% YoY 8.2% YoY 5.2% YoY Remark: * Loan Portfolio classified with managerial purpose, including c

  5. Slide 5: Retail Loan Portfolio

    Retail Loan Portfolio Retail Loan Breakdown 2016 3Q17 Auto Cash, Auto Cash, 14.3% 16.8% HP New Car, HP New Car, 72.6% 71.3% Mortgage, 0.6% Mortgage, 0.6% HP Motorcycle, HP Motorcycle, 1.6% 1.9% HP Used Car, 10.9% 2017 HP Used Car, 9.5% HP New Car, Auto Cash, 14.7% 59.6% Home-Equity Loan, 1.60% Credi

  6. Slide 6: Retail Loan Portfolio

    Retail Loan Portfolio Retail Loan Composition 2016 2017 15.6% YoY 4.5% YoY 188,226 162,797 118,175 112,224 19.0% YoY 19.3% YoY 22.6% YoY 17,820 20,757 23,25227,749 14,345 3,151 3,105 3,931 2,964 2,571 979 New Car HP Used Car HP Motorcycle HP Mortgage Auto Cash Home-Equity Loan Personal Loan Credit C

  7. Slide 7: TISCO Auto Cash

    TISCO Auto Cash Auto Cash Loan Outstanding Unit: Million Baht Auto Cash 5.5% QoQ 19.3% YoY Somwang 10.9% QoQ 41.9% YoY Somwang Loan Outstanding Somwang Branches Unit: Million Baht Remark: * Loan Portfolio classified with managerial purpose, including consumer loans for corporate clients into retail

  8. Slide 8: Industry Car Sales and Penetration Rate

    Industry Car Sales and Penetration Rate Industry New Car Sales TISCO Auto HP Penetration Rate No. of New Car Sales ('000 Units) Penetration Rate (%) 8.9% 8.0% 7.4% 7.3% 7.1% 7.3% 7.3% 7.3% 882 800 769 767 210 199 211 147 2014 2015 2016 1Q17 2Q17 3Q17 Oct-Nov 11M17 17 8

  9. Slide 9: Loan Spread and Net Interest Margin

    Loan Spread and Net Interest Margin Yield on Loans and Cost of Funds Remark: Cost of funds include contributions to FIDF and DPA Loan Spread and Net Interest Margin 9

  10. Slide 10: Asset Quality

    Asset Quality NPL and NPL Ratio Unit: Million Baht Total NPL % NPL 3.2% 2.6% 2.5% 2.4% 2.4% 2.3% 2.3% 7,701 6,750 5,710 5,829 5,221 5,199 5,030 2014 2015 2016 1Q17 2Q17 3Q17 4Q17 2016 3Q17 2017 NPL by Loan Type Million Baht % Million Baht % Million Baht % Corporate 412 0.9 412 0.9 476 0.9 SME 595 3.

  11. Slide 11: Provisions

    Provisions Provision Expense and Credit Cost Unit: Million Baht Provision expense (Million Baht) % Credit cost 5,277 3,972 2.1% 3,140 2.1% 1.7% 1.3% 1.4% 1.0% 1.1% 1,234 753 542 611 2015 2016 2017 1Q17 2Q17 3Q17 4Q17 Minimum Required Provision vs Actual Provision Unit: Million Baht Minimum Required

  12. Slide 12: Deposits

    Deposits Total Deposits & Bill of Exchanges Unit: Million Baht 13.9% QoQ 12.4% YoY Unit : Million Baht 2016 3Q17 2017 % QoQ % YoY Current 3,691 3,381 3,785 12.0 2.6 Savings 51,928 53,018 64,544 21.7 24.3 Fixed Deposits 99,449 98,567 112,474 14.1 13.1 Short-Term Bill of Exchanges 5,967 8,312 7,477 (1

  13. Slide 13: Non-Interest Income

    Non-Interest Income Non-Interest Income from Core Businesses Non-Interest Income Breakdown Unit: Million Baht 12.2% YoY 14.1% QoQ 22.9% YoY *Data as of 2017 Unit : Million Baht 4Q16 3Q17 4Q17 % QoQ % YoY 2016 2017 % YoY Banking Fee* 974 1,004 1,203 19.9 23.5 3,779 4,184 10.7 Asset Management Basic F

  14. Slide 14: Asset Management Business

    Asset Management Business TISCO Asset under Management Unit: Million Baht Rank #9 6.4% QoQ 24.4% YoY Provident Fund Mutual Fund Private Fund Unit: Million Baht Rank #3 4.7% QoQ Unit: Million Baht Rank #14 14.0% QoQ Unit: Million Baht Rank #5 4.7% QoQ 15.2% YoY 33.9% YoY 56.6% YoY *Remark: Market Sha

  15. Slide 15: Brokerage Business

    Brokerage Business TISCO Trading Volume and Market Share TISCO Volume (Million Baht) Market share (%) 525,158 543,343 513,346 2.8% 2.6% 2.7% 2.6% 2.6% 2.5% 2.4% 139,710 159,660 112,519 131,454 2015 2016 2017 1Q17 2Q17 3Q17 4Q17 TISCO Trading Volume by Customer Retail Investors Foreign Institution Lo

  16. Slide 16: Operating Expenses

    Operating Expenses Cost to Income Ratio Cost to Total Assets Ratio Unit : Million Baht 4Q16 3Q17 4Q17 % QoQ % YoY 2016 2017 % YoY Employees' Expenses 1,096 1,318 1,282 (2.7) 16.9 4,299 5,082 18.2 Premises & Equipment Expenses 276 277 355 28.0 28.7 970 1,150 18.5 Taxes & Duties 54 57 89 55.6 63.9 209

  17. Slide 17: Capital Adequacy

    Capital Adequacy Capital Adequacy Ratio of TISCO Bank 20.5% 20.4% 20.7% 19.6% 19.8% 18.0% 16.8% 15.6% 15.6% 16.0% 14.0% 14.7% 14.9% 12.6% 35,387 35,994 35,275 34,542 34,260 Capital Base (MB) 30,240 30,901 BIS Ratio (%) Tier I (%) 2014 2015 2016 1Q17 2Q17 3Q17 2017* *Remark: Projected Figures Risk-Ba

  18. Slide 18: Employees and Branch Network

    Employees and Branch Network Total Branch Network Total TISCO Employees *Remark: Loan Office included Mobile Branches 18

  19. Slide 19: 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

  20. Slide 20: Investor Relations

    Investor Relations TISCO Financial Group Public Company Limited 48/49 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 20

  21. Slide 21: SAILIMIGISSOd 4O HLIVAM

    SAILIMIGISSOd 4O HLIVAM

TISCO Financial Group Public — FY2017 Earnings Presentation on 6ix