Tisco Financial Group Public Co. Ltd. · SET:TISCO
Tisco Financial Group Public — Q2 2026 Earnings Presentation
19 slides from Tisco Financial Group Public's earnings presentation, Jul 14, 2026
Slide 1: Analyst Meeting 2Q2026/1H2026
Analyst Meeting 2Q2026/1H2026 TISCO Financial Group Public Co., Ltd. 14 July 2026
Slide 2: Consolidated Income Statements
Consolidated Income Statements Net profit (YoY) grew driven by an improvement in operating income, while profit (QoQ) was supported by normalizing ECL Financial Highlights Unit : Million Baht 2Q25 1Q26 2Q26 % QoQ % YoY 1H25 1H26 % YoY 1H2026 Interest Income 4,585 4,444 4,431 (0.3) (3.4) 9,174 8,875
Slide 3: Balance Sheet
Balance Sheet Well-managed balance sheet to reflect the economic situations Assets Liabilities Unit: Million Baht Unit: Million Baht 290,702 283,045 290,027 247,325 237,914 247,553 +2.5% +4.1% QoQ QoQ -0.2% +0.1% YTD YTD 81% 83% 81% 89% 89% 89% 2025 1Q26 2Q26 2025 1Q26 2Q26 Deposits & Borrowings Int
Slide 4: Loan Portfolio
Loan Portfolio Loans slightly increased driven by HP loan expansion and SME inventory financing Total Outstanding Loans Unit: Million Baht Retail Loans 161,507 161,801 162,590 +0.5% +0.3% QoQ 235,779 235,094 235,803 QoQ +0.7% 0.0% YTD YTD 2025 1Q26 2Q26 Corporate Loans 2025 1Q26 2Q26 60,971 60,046 5
Slide 5: Retail Portfolio
Retail Portfolio Retail portfolio expanded mainly led by new car HP while high-yield businesses were tightened amid fragile economy Other Other Housing Retail, Housing Retail, Loans, 6.0% Loans, 6.1% 3.7% 3.5% Composition of Retail Loans Auto Cash, Auto Cash, 26.3% HP New 25.8% HP New 1Q26 Car, 49.4
Slide 6: Domestic Car Sales & Penetration Rate
Domestic Car Sales & Penetration Rate Domestic car sales grew particularly in electric vehicles (EV) following the demand shift amid the period of high fuel prices Industry New Car Sales Units 5M2026 288,242 90,000 2025 621,166 2024 572,675 50,000 2023 775,780 2022 849,388 10,000 Jan Feb Mar Apr May
Slide 7: Somwang
Somwang Auto Cash loans declined on the back of cautious lending strategy whereas new branch opening remained suspended Auto Cash Loans Unit: Million Baht 41,720 43,243 43,214 42,548 42,026 36,348 83.3% 84.7% 85.8% QoQ YTD 75.1% Total Auto Cash -1.2% -2.7% Loan Generated through bank branches 68.0%
Slide 8: Loan Spread & NIM
Loan Spread & NIM Loan spread and NIM continued to improve resulting from the gradual repricing of cost of funds Change Change YoY QoQ 7.68% 7.51% 7.42% -17 bps 7.43% 7.34% -8 bps Yield on Loans 5.65% 5.77% 5.50% 5.39% 5.27% +12 bps +12 bps Loan Spread 4.95% 4.85% 4.82% 4.95% 4.98% +3 bps NIM -3 bps
Slide 9: Asset Quality
Asset Quality Asset quality remained well-controlled due to cautious lending policy, efficient loan collection and proactive assistance measures Loan Stages Non-Performing Loans Unit: Million Baht Unit: Million Baht Total NPLs NPL Ratio (%) 235,779 235,803 2.22% 2.35% 2.28% 235,094 2.11% 2.12% 2% 2%
Slide 10: Expected Credit Loss
Expected Credit Loss Credit cost for 6M2026 was reported within the normalized target at 1.1% which included the cushion against risks from the Middle East conflict and pressure from rising energy prices Expected Credit Loss Allowance for ECL Unit: Million Baht Unit: Million Baht ECL Expense Credit
Slide 11: Funding Base
Funding Base Efficiently managed funding base to align with loan portfolio expansion Unit: Million Baht 218,962 211,420 220,601 3% 3% 3% +4.3% QoQ +0.7% 83% 82% 82% YTD 14% 15% 15% 2025 1Q26 2Q26 CASA Fixed Deposits Senior Debentures Unit : Million Baht 2025 1Q26 2Q26 % QoQ % YTD Current 1,903 1,716
Slide 12: Non-Interest Income
Non-Interest Income Fee income grew YoY from a recovery in all core areas, but dropped QoQ partially caused by the impact from Middle East conflict Non-Interest Income from Core Businesses Fee Income Breakdown Unit: Million Baht Data as of 6M2026 3,332 IB 0.5% 2,778 Brokerage -7.5% 8.9% Bancassuranc
Slide 13: Asset Management Business
Asset Management Business Operated under TISCO Asset Management AUMs increased in all businesses from new contributions as well as improved market conditions 20.5% Provident Fund 19.9% Total Assets Under Management 19.6% Unit: Million Baht 332,985 328,042 Ranking #1 322,304 +3.3% QoQ 4.4% 4.2% 4.1%
Slide 14: Securities Brokerage Business
Securities Brokerage Business Operated under TISCO Securities TISCO trading volume and brokerage fee decreased with a decline in market share TISCO Trading Volume & Market Share TISCO Trading Volume TISCO Brokerage Fee Market Share (%) 1.5% 1.6% 1.5% 1.6% 1.4% 1.2% 354,838 322,942 284,376 103,035 85
Slide 15: Operating Expenses
Operating Expenses OPEX increased mainly from employee expenses while remained cautious amid fragile economic backdrop Operating Expenses Cost-to-Income Ratio Unit: Million Baht Cost to Income (%) Cost to Income after Provision (%) 4,432 4,569 51.7% 50.8% 51.7% 52.0% 51.2% 2,190 2,227 2,342 +5.1% Qo
Slide 16: Capital Adequacy
Capital Adequacy Maintained solid capital level and exceeded BOT’s requirement Capital Base of TISCO Bank Unit: Million Baht 41,241 40,586 38,708 39,402 39,503 2023 2024 2025 1Q26 2Q26* Capital Adequacy Ratio 22.3% 20.5% 20.5% 20.5% 20.6% BIS Ratio Tier I Ratio 18.9% 18.7% 18.4% 18.3% 18.2% Min. Req
Slide 17: Employees & Network
Employees & Network Somwang branch opening plan was suspended while focused on increasing existing branch efficiency Total Employees 5,790 5,610 5,496 5,481 5,481 2023 2024 2025 1Q26 2Q26 Total Branch Network 860 856 856 855 52 51 51 51 Bank Branches 698 53 808 805 805 804 Somwang 645 Loan Offices 2
Slide 18: Investor Relations
Investor Relations 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 va
Slide 19: Your Trusted Financial Advisor
Your Trusted Financial Advisor TISCO Financial Group | Investor Relations
TISCO Financial Group Public — Q2 2026 Earnings Presentation on 6ix