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

Tisco Financial Group Public — Q2 2020 Earnings Presentation

20 slides from Tisco Financial Group Public's earnings presentation, Jul 20, 2020

  1. Slide 1: TISCO Financial Group Analyst Meeting 2Q2020

    TISCO Financial Group Public Co., Ltd. Analyst Meeting 2Q2020 July 20, 2020

  2. Slide 2: Consolidated Income Statements

    Consolidated Income Statements Unit : Million Baht 2Q19 1Q20 2Q20 % QoQ % YoY 1H2019 1H2020 % YoY Interest Income 4,380 4,553 4,122 (9.5) (5.9) 8,770 8,675 (1.1) Interest Expenses (1,273) (1,095) (994) (9.3) (21.9) (2,560) (2,089) (18.4) Net Interest Income 3,107 3,458 3,128 (9.5) 0.7 6,210 6,586 6.

  3. Slide 3: Assets and Liabilities

    Assets and Liabilities Assets Liabilities Unit: Million Baht Unit: Million Baht -9.4% QoQ -9.0% QoQ -7.8% YTD -7.8% YTD Unit : Million Baht 2019 1Q20 2Q20 % QoQ % YTD Unit : Million Baht 2019 1Q20 2Q20 % QoQ % YTD Loans 242,826 237,873 228,165 (4.1) (6.0) Deposits & 234,421 237,576 213,036 (10.3) (9

  4. Slide 4: Loan Portfolios

    Loan Portfolios -3.9% QoQ -5.0% YTD Total Loans Unit: Million Baht -4.1% QoQ -6.0% YTD Retail Loans +2.4% QoQ -1.2% YTD Corporate Loans -27.5% QoQ -35.9% YTD SME Loans 4

  5. Slide 5: Retail Loan Portfolio Breakdown

    Retail Loan Portfolio Breakdown Unit: Million Baht -3.9% QoQ -5.0% YTD -4.2% QoQ -6.0% YTD -2.9% QoQ +0.4% YTD -4.4% QoQ -4.0% QoQ -1.8% QoQ -9.8% YTD -5.9% YTD -1.3% YTD *Remark: Mortgage Loans include Housing Loans and Home-Equity Loans 5

  6. Slide 6: Interest Income & NIM

    Interest Income & NIM Net Interest Income Unit: Million Baht +6.1% YoY -9.5% QoQ +0.7% YoY 6

  7. Slide 7: Asset Quality

    Asset Quality Non-Performing Loans Unit: Million Baht 2019 1Q20 2Q20 NPL by Loan Type Million Baht % Million Baht % Million Baht % Corporate 259 0.7 259 0.7 229 0.6 SME 158 1.2 132 1.1 147 1.7 Hire Purchase 3,249 2.4 3,788 2.8 4,540 3.5 Mortgage 1,316 7.7 864 5.4 967 6.3 Auto Cash 848 2.4 1,032 2.8

  8. Slide 8: Expected Credit Loss

    Expected Credit Loss Expected Credit Loss Unit: Million Baht Allowance for ECL Unit: Million Baht TFRS 9 Specific Reserve General Reserve Coverage Ratio (%) ECL Excess Reserve Coverage Ratio (%) 8

  9. Slide 9: Debt Relief Measures

    Debt Relief Measures Approximate % of Total Accounts Total Debt Relief Granted 20% • Principal Payment Suspension (6 months) and Term Extension* 17-18% • Principal and Interest Suspension (3 months) (Skipped Payment) 3% Special Accounting Treatments • EIR Recalculation for Income Recognition 10% - O

  10. Slide 10: Industry Car Sale & Penetration Rate

    Industry Car Sale & Penetration Rate Industry New Car Sale Units 100,000 60,000 20,000 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec TISCO’s Auto HP Penetration Rate 10

  11. Slide 11: TISCO Auto Cash

    TISCO Auto Cash Auto Cash Loan Outstanding Unit: Million Baht Auto Cash -2.9% QoQ +0.4% YTD Somwang -2.8% QoQ +1.4% YTD Somwang Loan Outstanding vs NPLs Somwang Branches 11

  12. Slide 12: Funding

    Funding Total Funding Unit: Million Baht -10.3% QoQ -9.1% YTD Unit : Million Baht 2019 1Q20 2Q20 % QoQ % YTD Current 2,638 3,393 2,762 (18.6) 4.7 Savings 37,802 45,887 43,690 (4.8) 15.6 Fixed Deposits 175,645 171,349 153,727 (10.3) (12.5) Short-Term Bill of Exchanges 37 37 37 - - Senior Debentures 1

  13. Slide 13: Non-Interest Income

    Non-Interest Income Non-Interest Income from Core Businesses Non-Interest Income from Core Businesses Breakdown Unit: Million Baht Data for 6M2020 -12.2% YoY -21.9% QoQ -24.0% YoY Unit : Million Baht 2Q19 1Q20 2Q20 % QoQ % YoY 1H2019 1H2020 % YoY Banking Fee 1,060 976 668 (31.6) (37.0) 2,119 1,644 (

  14. Slide 14: Asset Management Business

    Asset Management Business +5.9% QoQ +5.5% YTD TISCO Asset Under Management Unit: Million Baht Rank #1 +5.7% QoQ Provident Fund +1.4% YTD +8.1% QoQ -9.3% YTD Rank #13 Mutual Fund +3.1% QoQ -2.5% YTD Rank #7 Rank #5 Private Fund *Remark: Market Share and Rankings as of May 2020 14

  15. Slide 15: Brokerage Business

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

  16. Slide 16: Operating Expenses

    Operating Expenses Operating Expenses Unit: Million Baht -16.9% YoY Cost to Income Ratio -8.8% QoQ -20.0% YoY Unit : Million Baht 2Q19 1Q20 2Q20 % QoQ % YoY 1H2019 1H2020 % YoY Empl oyees ' Expens es 1,535 1,339 1,157 (13.6) (24.6) 3,206 2,496 (22.1) Premis es & Equi pment Expens es 329 321 322 0.1

  17. Slide 17: Capital Adequacy

    Capital Adequacy Capital Adequacy Ratio of TISCO Bank Unit: Million Baht *Remark: Projected figures Risk-Based Capital Exposure 1Q20 2Q20 17

  18. Slide 18: Employees and Branch Network

    Employees and Branch Network Total Employees Total Branch Network 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: O)SiL

    O)SiL

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