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

Tisco Financial Group Public — Q2 2021 Earnings Presentation

20 slides from Tisco Financial Group Public's earnings presentation, Jul 15, 2021

  1. Slide 1: TISCO Financial Group Analyst Meeting 2Q2021

    TISCO Financial Group Public Co., Ltd. Analyst Meeting 2Q2021 July 15, 2021

  2. Slide 2: Consolidated Income Statements

    Consolidated Income Statements Unit : Million Baht 2Q20 1Q21 2Q21 % QoQ % YoY 1H2020 1H2021 % YoY Interest Income 4,122 3,776 3,754 (0.6) (8.9) 8,675 7,530 (13.2) Interest Expenses (994) (666) (605) (9.2) (39.1) (2,089) (1,271) (39.1) Net Interest Income 3,128 3,110 3,149 1.2 0.7 6,586 6,259 (5.0) F

  3. Slide 3: Assets and Liabilities

    Assets and Liabilities Assets Liabilities Unit: Million Baht Unit: Million Baht -4.8% -7.1% -4.2% -7.6% QoQ YTD QoQ YTD Unit : Million Baht 2020 1Q21 2Q21 % QoQ % YTD Unit : Million Baht 2020 1Q21 2Q21 % QoQ % YTD Deposits & Loans 224,812 220,757 213,995 (3.1) (4.8) 209,679 201,408 189,237 (6.0) (9.

  4. Slide 4: Loan Portfolios

    Loan Portfolios Total Loans Unit: Million Baht -3.1% -4.8% Retail Loans -2.8% QoQ YTD QoQ -5.4% YTD -4.2% Corporate Loans QoQ -2.4% YTD Loans by sectors -4.0% SME Loans QoQ -4.2% YTD 4

  5. Slide 5: Retail Loan Portfolio Breakdown

    Retail Loan Portfolio Breakdown Unit: Million Baht -2.8% QoQ -5.4% YTD -3.3% QoQ -6.0% YTD -0.7% QoQ -1.8% QoQ -4.6% YTD -3.8% QoQ -1.6% YTD +1.3% QoQ -7.9% YTD +4.3% YTD 5

  6. Slide 6: TISCO Auto Cash

    TISCO Auto Cash Auto Cash Loans Unit: Million Baht Auto Cash -1.8% -4.6% QoQ YTD Somwang -1.5% -3.7% Loan Generated through QoQ YTD Somwang channel Somwang Loans vs NPLs Somwang Branches Unit: Million Baht 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 +13.9% 5M YTD 7

  8. Slide 8: Interest Income & NIM

    Interest Income & NIM Yield on Loans Net Interest Income Unit: Million Baht Loan Spread -5.0% YoY +1.2% +0.7% QoQ YoY Cost of Funds 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 2020 1Q21 2Q21 NPLs by Loan Types Million Baht % Million Baht % Million Baht % Corporate - - - - - - SME 64 0.6 78 0.8 96 1.0 Hire Purchase 3,268 2.6 3,157 2.5 3,366 2.8 Mortgage 986 7.1

  10. Slide 10: Debt Relief Programs

    Debt Relief Programs The outstanding retail loans under debt relief programs at the end of June 2021 % to total loans Soft loans for SMES 10

  11. Slide 11: Expected Credit Loss

    Expected Credit Loss Expected Credit Loss Unit: Million Baht Allowance for ECL Unit: Million Baht TFRS 9 Coverage Ratio Excess Reserve General Provision Expected Credit Loss (ECL) Specific Provision 11

  12. Slide 12: Funding

    Funding Total Funding Unit: Million Baht -6.0% -9.7% QoQ YTD Unit : Million Baht 2020 1Q21 2Q21 % QoQ % YTD Current 3,200 2,496 2,731 9.4 (14.7) Savings 50,320 46,310 47,936 3.5 (4.7) Fixed Deposits 149,953 149,346 130,383 (12.7) (13.1) Short-Term Bill of Exchanges 37 37 37 - - Senior Debentures 6,1

  13. Slide 13: Non-Interest Income

    Non-Interest Income Non-Interest Income from Core Businesses Non-Interest Income from Core Businesses Breakdown Data for 6M2021 Unit: Million Baht +10.6% YoY -18.5% +13.3% QoQ YoY Unit : Million Baht 2Q20 1Q21 2Q21 % QoQ % YoY 1H2020 1H2021 % YoY Banking Fee 668 828 723 (12.7) 8.3 1,644 1,551 (5.6)

  14. Slide 14: Asset Management Business

    Asset Management Business Assets Under Management Rank #1 Unit: Million Baht +2.4% +10.2% Provident Fund QoQ YTD +1.6% QoQ +4.5% YTD Rank #13 Mutual Fund +6.0% QoQ +34.6% YTD Rank #8 Rank #6 Private Fund +1.4% QoQ +8.1% YTD *Remark: Market Share and Rankings as of May 2021 14

  15. Slide 15: Brokerage Business

    Brokerage Business TISCO Trading Volume & Market Share Unit: Million Baht Trading Volume by Customers 15

  16. Slide 16: Operating Expenses

    Operating Expenses Operating Expenses Unit: Million Baht +8.5% YoY Cost to Income Ratio +0.3% +14.1% QoQ YoY Unit : Million Baht 2Q20 1Q21 2Q21 % QoQ % YoY 1H2020 1H2021 % YoY Employee Expenses 1,153 1,452 1,422 (2.1) 23.3 2,492 2,875 15.3 Premises & Equipment Expenses 322 317 353 11.5 9.8 643 670 4

  17. Slide 17: 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 17

  18. Slide 18: Employees and Branch Network

    Employees and Branch Network Total Employees Employees Total Branch Network Somwang Loan Offices Bank Branches 18

  19. Slide 19: 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

  20. Slide 20: Slide 20

TISCO Financial Group Public — Q2 2021 Earnings Presentation on 6ix