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

Tisco Financial Group Public — Q3 2025 Earnings Presentation

20 slides from Tisco Financial Group Public's earnings presentation, Oct 14, 2025

  1. Slide 1: TISCO Financial Group Analyst Meeting 3Q2025

    TISCO Financial Group Public Co., Ltd. Analyst Meeting 3Q2025 October 14, 2025

  2. Slide 2: Operating income improved in all business areas while ECL expense was set up

    Operating income improved in all business areas while ECL expense was set up to cushion against potential risks Consolidated Income Statements Unit : Million Baht 3Q24 2Q25 3Q25 % QoQ % YoY 9M24 9M25 % YoY Interest Income 4,749 4,585 4,620 0.8 (2.7) 14,267 13,794 (3.3) Interest Expenses (1,364) (1,2

  3. Slide 3: Well-managed balance sheet to reflect the economic situations

    Well-managed balance sheet to reflect the economic situations Assets Liabilities Unit: Million Baht Unit: Million Baht -1.0% +0.1% -1.2% +0.7% QoQ YTD QoQ YTD 281,877 285,086 282,225 238,832 243,455 240,464 82% 83% 82% 89% 88% 88% 2024 2Q25 3Q25 2024 2Q25 3Q25 Loans Investments* Interbank & MM Other

  4. Slide 4: Corporate & SME loans contracted while retail loans resumed growth

    Loan contracted from corporate & SME loan repayment whereas retail loans resumed growth through selective strategy Loan Portfolios 157,433 156,705 157,943 Unit: Million Baht -2.2% -0.8% Retail Loans QoQ YTD +0.8% +0.3% QoQ YTD 232,200 235,512 230,409 2024 2Q25 3Q25 61,342 65,801 59,772 Corporate Loa

  5. Slide 5: Growth resumed in all HP loans, Auto Cash and other loans

    Growth resumed in all HP loans, Auto Cash and other loans while maintained cautious lending policy Composition of Retail Loans Other Other Other Housing Housing Housing Retail, Retail, Retail, Loans, Loans, Loans, 4.9% 4.9% 5.0% 4.2% 4.2% 4.1% Auto Cash, Auto Cash, Auto Cash, HP New 27.3% HP New HP

  6. Slide 6: TISCO expanded penetration rate into passenger car market especially EV

    TISCO expanded penetration rate into passenger car market especially EV segment Industry New Car Sale Units 8M2025 399,418 2024 572,675 90,000 2023 775,780 50,000 2022 849,388 2021 759,119 10,000 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec TISCO’s Auto HP Penetration Rate Industry New Car Sale (

  7. Slide 7: Auto Cash loans increased through Somwang branches

    Auto Cash loans increased from loan generating through Somwang branches driven by increasing branch efficiency Auto Cash Loans Unit: Million Baht 43,243 Auto Cash +0.6% -0.6% 41,720 42,708 42,963 QoQ YTD 36,348 75.1% 78.4% 79.5% 68.0% Somwang +2.0% +5.3% 62.1% QoQ YTD Loan Generated 32,457 33,484 34

  8. Slide 8: Cost of funds repricing improved loan spread and NIM

    With the benefit of cost of funds repricing, loan spread & NIM improved gradually Change Change YoY QoQ 7.68% 7.63% 7.51% 7.51% 7.42% 7.03% +26 bps 0.0% Yield on Loans 5.92% 5.50% 5.32% 5.45% 5.27% 5.30% Loan Spread -23 bps +15 bps 5.09% 4.95% NIM 4.85% -10 bps 4.88% 4.75% 4.84% +9 bps 2.42% 2.30% 2

  9. Slide 9: Asset quality improved in all loan types

    Thanks to cautious lending policy and debt assistance measures, asset quality improved in all loan types Loan Classification Non-Performing Loans Unit: Million Baht Unit: Million Baht Total NPLs NPL Ratio (%) 232,200 235,512 230,409 2.42% 2.41% 2.22% 2.35% 2.31% NPLs 2% 2% 2% 2.09% 8% 8% 8% Stage 2

  10. Slide 10: ECL expense increased, strengthening coverage ratio to 171%

    ECL expense increased to cushion against rising risks which further strengthened coverage ratio to 171% Expected Credit Loss Unit: Million Baht ECL Expense Credit Cost (%) 1.4% 1.0% 1.0% 0.6% 0.7% 0.3% 0.2% 1,775 1,376 830 723 559 359 386 2022 2023 2024 1Q25 2Q25 3Q25 9M25 Allowance for ECL Unit: Mi

  11. Slide 11: Efficiently managed funding base aligned with loan contraction

    Efficiently managed funding base to align with loan portfolio contraction Total Funding Unit: Million Baht -1.4% -0.0% QoQ YTD 211,973 214,999 211,891 3% 2% 2% 84% 84% 84% 14% 14% 13% 2024 2Q25 3Q25 CASA Fixed Deposits Senior Debentures Unit : Million Baht 2024 2Q25 3Q25 % QoQ % YTD Current 1,793 1,

  12. Slide 12: Fee income grew from bancassurance and capital market recovery

    Fee income grew from a recovery of bancassurance and capital market, as well as gain on investment portfolio Non-Interest Income from Core Businesses Non-Interest Income from Core Businesses Breakdown Unit: Million Baht Data as of 9M2025 +4.4% YoY IB 0.5% +8.5% +9.4% 4,147 4,327 Brokerage QoQ YoY 8.

  13. Slide 13: AUMs growth from provident fund clients and new mutual funds

    AUMs growth derived from new contribution of provident fund clients and new mutual fund issuances 20.4% Assets Under Management 19.0% 19.0% Unit: Million Baht +11.1% +8.4% Rank # 1 Provident Fund 321,959 QoQ YTD 287,199 287,570 4.2% 4.3% 4.1% +12.0% +12.1% QoQ YTD 440,776 406,802 396,806 15% 19% 15%

  14. Slide 14: Trading volume and brokerage fee increased QoQ

    TISCO trading volume and brokerage fee increased QoQ following better capital market conditions TISCO Trading Volume & Market Share Unit: Million Baht TISCO Trading Volume TISCO Brokerage Fee Market Share (%) 1.8% 1.6% 1.5% 1.6% 1.4% 1.3% 405,282 354,838 322,942 98,485 685 572 69,717 75,059 512 153

  15. Slide 15: OPEX was efficiently controlled amid slow economic backdrop

    OPEX was efficiently controlled amid slow economic backdrop Operating Expenses Cost to Income Ratio Unit: Million Baht -2.8% Cost to Income (%) Cost to Income after Provision (%) YoY +4.4% -0.3% 6,911 6,718 QoQ YoY 51.8% 51.7% 51.5% 51.6% 51.8% 47.9% 47.9% 45.7% 45.6% 2,292 2,286 43.4% 2,190 3Q24 2Q

  16. Slide 16: Maintained solid capital level and exceeded BOT's requirement

    Maintained solid capital level and exceeded BOT’s requirement Capital Base of TISCO Bank Unit: Million Baht 41,241 39,557 38,708 38,696 39,219 39,438 2022 2023 2024 1Q25 2Q25 3Q25* Capital Adequacy Ratio 23.4% 22.3% 20.5% 20.7% 20.6% 20.9% BIS Ratio 19.6% 18.9% 18.9% Tier I Ratio 18.7% 18.6% 18.8% M

  17. Slide 17: No new Somwang branch opening, focus on branch efficiency

    No new Somwang branch opening while focusing more on increasing existing branch efficiency Total Employees 5,790 5,654 5,630 5,621 5,496 5,090 2022 2023 2024 1Q25 2Q25 3Q25 Total Branch Network 860 860 860 859 698 504 808 808 808 808 645 Somwang 450 Loan Offices Bank Branches 54 53 52 52 52 51 2022

  18. Slide 18: "You Fight, We Help" Debt Restructuring Program

    “You Fight, We Help” Debt Restructuring Program Registration Timeline: Until 30 September 2025 Program offerings: Criteria Amount *Loans originated before 1 Jan 2024 and hold the status as of 31 Oct 2024 with ▪ Interest rate suspension for 3 years Housing Loans < 5,000,000 Baht overdue more than 30

  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 ir@tisco.co.th www.tisco.co.th Disclaimer This presentation material may contain forward-looking statements. These forward-looking statements

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