Tisco Financial Group Public Co. Ltd. · SET:TISCO
Tisco Financial Group Public — Q3 2022 Earnings Presentation
20 slides from Tisco Financial Group Public's earnings presentation, Oct 12, 2022
Slide 1: Analyst Meeting 3Q2022
TISCO Financial Group Public Co., Ltd. Analyst Meeting 3Q2022 October 12, 2022
Slide 2: Consolidated Income Statements
Consolidated Income Statements Unit : Million Baht 3Q21 2Q22 3Q22 % QoQ % YoY 9M2021 9M2022 % YoY Interest Income 3,644 3,616 3,755 3.8 3.0 11,174 10,927 (2.2) Interest Expenses (551) (510) (533) 4.6 (3.3) (1,822) (1,538) (15.6) Net Interest Income 3,093 3,107 3,221 3.7 4.2 9,352 9,389 0.4 Fee & Ser
Slide 3: Assets and Liabilities
Assets and Liabilities Assets Liabilities Unit: Million Baht Unit: Million Baht +4.6% +5.1% +4.6% +6.2% QoQ YTD QoQ YTD Unit : Million Baht 2021 2Q22 3Q22 % QoQ % YTD Unit : Million Baht 2021 2Q22 3Q22 % QoQ % YTD Loans 202,950 203,341 213,188 4.8 5.0 Deposits & 174,864 180,366 192,037 6.5 9.8 Borro
Slide 4: Loan Portfolios
Loan Portfolios Total Loans Unit: Million Baht +0.7% +4.8% +5.0% Retail Loans QoQ QoQ YTD -1.0% YTD +16.1% QoQ Corporate Loans +22.4% YTD Loans by sectors +28.2% QoQ SME Loans +43.8% YTD 4
Slide 5: Retail Loan Portfolio Breakdown
Retail Loan Portfolio Breakdown Unit: Million Baht +0.7% QoQ -1.0% YTD -0.5% QoQ -4.3% YTD +4.8% QoQ +9.5% YTD +3.7% QoQ -4.4% QoQ -0.5% QoQ +7.6% YTD -11.1% YTD +1.8% YTD 5
Slide 6: TISCO Auto Cash
TISCO Auto Cash Auto Cash Loans Unit: Million Baht Auto Cash +4.8% +9.5% QoQ YTD Loan Generated Somwang +7.1% +14.8% QoQ YTD through Somwang channel Somwang Loans vs NPLs Somwang Branches Unit: Million Baht 6
Slide 7: Industry Car Sale & Penetration Rate
Industry Car Sale & Penetration Rate Industry New Car Sale TISCO’s Auto HP Penetration Rate TISCO’s Penetration Rate (%) Industry Car Sale (‘000 units) Industry Car Sale +19.6% 8M YoY 7
Slide 8: Interest Income & NIM
Interest Income & NIM Yield on Loans Net Interest Income Unit: Million Baht +0.4% Loan Spread YoY +3.7% +4.2% QoQ YoY Cost of Funds Loan Spread NIM 8
Slide 9: Asset Quality
Asset Quality Loan Classification Non-Performing Loans Unit: Million Baht Unit: Million Baht NPLs Stage 2 Stage 1 2021 2Q22 3Q22 NPLs by Loan Types Million Baht % Million Baht % Million Baht % Corporate 19 0.1 - - - - SME 66 0.8 135 1.4 100 0.8 Hire Purchase 2,682 2.4 2,383 2.2 2,413 2.2 Mortgage 1,
Slide 10: Debt Relief Programs
Debt Relief Programs Outstanding Loans under Debt Relief Programs at the end of September 2022 % to total loans Outstanding Soft Loans for SME 10
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
Slide 12: Funding
Funding Total Funding Unit: Million Baht +6.5% +9.8% QoQ YTD Unit : Million Baht 2021 2Q22 3Q22 % QoQ % YoY Current 2,162 2,212 2,255 1.9 4.3 Savings 46,932 46,444 46,207 (0.5) (1.5) Fixed Deposits 117,448 120,223 134,078 11.5 14.2 Short-Term Bill of Exchanges 37 37 37 - - Senior Debentures 8,285 11
Slide 13: Non-Interest Income
Non-Interest Income Non-Interest Income from Core Businesses Non-Interest Income from Core Businesses Breakdown Data as of 9M2022 Unit: Million Baht -5.2% YoY +4.9% +12.2% QoQ YoY Unit : Million Baht 3Q21 2Q22 3Q22 % QoQ % YoY 9M2021 9M2022 % YoY Banking Fee 675 808 862 6.7 27.7 2,225 2,483 11.6 Ban
Slide 14: Asset Management Business
Asset Management Business Assets Under Management Rank #1 Unit: Million Baht +2.8% -0.9% QoQ YTD Provident Fund +3.1% QoQ +4.8% YTD Rank #13 Mutual Fund -5.9% QoQ -22.6% YTD Rank #9 Rank #5 Private Fund +9.6% QoQ +1.2% YTD *Remark: Market Share and Rankings as of August 2022 14
Slide 15: Brokerage Business
Brokerage Business TISCO Trading Volume & Market Share Unit: Million Baht Trading Volume by Customers 15
Slide 16: Operating Expenses
Operating Expenses Operating Expenses Unit: Million Baht +4.5% Cost to Income Ratio YoY +1.5% +9.5% QoQ YoY Unit : Million Baht 3Q21 2Q22 3Q22 % QoQ % YoY 9M2021 9M2022 % YoY Employee Expenses 1,349 1,537 1,513 (1.6) 12.2 4,223 4,561 8.0 Premises & Equipment Expenses 331 342 345 0.9 4.4 1,001 1,009
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
Slide 18: Employees and Branch Network
Employees and Branch Network Total Employees Number of Employees Total Branch Network Somwang Loan Offices Bank Branches 18
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
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