Tisco Financial Group Public Co. Ltd. · SET:TISCO
Tisco Financial Group Public — FY2018 Earnings Presentation
19 slides from Tisco Financial Group Public's earnings presentation, Jan 15, 2019
Slide 1: TISCO Financial Group Analyst Meeting FY2018
TISCO Financial Group Public Co., Ltd. Analyst Meeting FY2018 January 15, 2019
Slide 2: Consolidated Income Statements
Consolidated Income Statements Unit : Million Baht 4Q17 3Q18 4Q18 % QoQ % YoY 2017 2018 % YoY Interest Income 4,548 4,408 4,380 (0.7) (3.7) 16,382 17,690 8.0 Interest Expenses (1,277) (1,298) (1,301) 0.2 1.8 (4,814) (5,076) 5.4 Net Interest Income 3,270 3,110 3,079 (1.0) (5.9) 11,567 12,615 9.1 Fee
Slide 3: Assets and Liabilities
Assets and Liabilities Assets Liabilities Unit: Million Baht Unit: Million Baht -1.2% QoQ -2.1% QoQ -0.3% YoY -1.5% YoY Unit : Million Baht 2017 3Q18 2018 % QoQ % YoY Unit : Million Baht 2017 3Q18 2018 % QoQ % YoY Loans - Net 251,384 240,051 240,654 0.3 (4.3) Deposits & 245,202 246,440 241,985 (1.8)
Slide 4: Loan Portfolios
Loan Portfolios +0.9% QoQ -2.9% YoY Total Loans Unit: Million Baht +0.3% QoQ -4.3% YoY Sale of Personal Loan & Credit Card approx. Sale of Personal Loan & Credit Card 3.7% of retail loan approx. 2.7% of total loans Retail Loans -2.0% QoQ -10.4% YoY Corporate Loans -3.3% QoQ -1.6% YoY SME Loans 4
Slide 5: Retail Loan Portfolio Breakdown
Retail Loan Portfolio Breakdown +0.9% QoQ -2.9% YoY Unit: Million Baht +1.8% QoQ +2.0% YoY +3.3% QoQ -5.9% QoQ -2.7% QoQ +15.8% YoY -17.2% YoY +4.0% QoQ -13.1% YoY +22.8% YoY 5
Slide 6: TISCO Auto Cash
TISCO Auto Cash Auto Cash Loan Outstanding Unit: Million Baht Auto Cash +3.3% QoQ +15.8% YoY Somwang +8.0% QoQ +39.9% YoY Somwang Loan Outstanding vs NPLs Somwang Branches NPLs increased due to the revised loan classification 6
Slide 7: Industry Car Sale & Penetration Rate
Industry Car Sale & Penetration Rate Industry New Car Sale Units 2015 100,000 2016 2017 80,000 2018 60,000 40,000 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec TISCO’s Auto HP Penetration Rate 7
Slide 8: Interest Income & NIM
Interest Income & NIM Net Interest Income Unit: Million Baht +9.1% YoY -1.0% QoQ -5.9% YoY 8
Slide 9: Asset Quality
Asset Quality Non-Performing Loans Unit: Million Baht - NPLs increased from the revision of loan classification criteria - The repayment behavior and overall asset quality remained stable - NPLs before the revision of the loan classification would be 2.23% 2017 3Q18 2018 NPL by Loan Type Million Bah
Slide 10: Provisions
Provisions Provision Expense & Credit Cost Unit: Million Baht Minimum Required Provision vs Actual Provision Unit: Million Baht 10
Slide 11: Funding
Funding Total Funding Unit: Million Baht -1.8% QoQ -1.3% YoY Unit : Million Baht 2017 3Q18 2018 % QoQ % YoY Current 3,785 2,624 2,484 (5.4) (34.4) Savings 64,544 57,542 54,684 (5.0) (15.3) Fixed Deposits 112,474 130,866 135,941 3.9 20.9 Short-Term Bill of Exchanges 7,477 6,827 5,877 (13.9) (21.4) Se
Slide 12: Non-Interest Income
Non-Interest Income Non-Interest Income from Core Businesses Non-Interest Income from Core Businesses Breakdown Unit: Million Baht Data for 2018 +5.0% YoY +6.6% QoQ -3.5% YoY Unit : Million Baht 4Q17 3Q18 4Q18 % QoQ % YoY 2017 2018 % YoY Banking Fee 1,169 1,041 1,187 14.0 1.5 4,150 4,437 6.9 As s et
Slide 13: Asset Management Business
Asset Management Business +1.0% QoQ +7.3% YoY TISCO Asset Under Management Unit: Million Baht Rank #2 -1.1% QoQ Provident Fund +3.7% YoY -8.0% QoQ -5.2% YoY Rank #14 Mutual Fund -1.4% QoQ +0.5% YoY Rank #8 Rank #5 Private Fund Market Share and Rankings as of November 2018 13
Slide 14: Brokerage Business
Brokerage Business TISCO Trading Volume & Market Share Unit: Million Baht TISCO Trading Volume by Customers 14
Slide 15: Operating Expenses
Operating Expenses Operating Expenses Unit: Million Baht Cost to Income Ratio +14.1% YoY -1.5% QoQ +0.1% YoY Unit : Million Baht 4Q17 3Q18 4Q18 % QoQ % YoY 2017 2018 % YoY Empl oyees ' Expens es 1,274 1,508 1,431 (5.2) 12.3 5,074 5,839 15.1 Premis es & Equi pment Expens es 354 304 316 3.9 (10.7) 1,1
Slide 16: Capital Adequacy
Capital Adequacy Capital Adequacy Ratio of TISCO Bank Unit: Million Baht *Remark: Projected figures Risk-Based Capital Exposure 2017 2018 16
Slide 17: Employees and Branch Network
Employees and Branch Network Total Employees Total Branch Network 17
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
Slide 19: O)SiL
O)SiL
TISCO Financial Group Public — FY2018 Earnings Presentation on 6ix