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

Tisco Financial Group Public — FY2019 Earnings Presentation

20 slides from Tisco Financial Group Public's earnings presentation, Jan 15, 2020

  1. Slide 1: TISCO Financial Group Analyst Meeting FY2019

    TISCO Financial Group Public Co., Ltd. Analyst Meeting FY2019 January 15, 2020

  2. Slide 2: Consolidated Income Statements

    Consolidated Income Statements Unit : Million Baht 4Q18 3Q19 4Q19 % QoQ % YoY 2018 2019 % YoY Interest Income 4,380 4,377 4,332 (1.0) (1.1) 17,690 17,478 (1.2) Interest Expenses (1,301) (1,266) (1,263) (0.3) (2.9) (5,076) (5,089) 0.3 Net Interest Income 3,079 3,111 3,069 (1.3) (0.3) 12,615 12,389 (1

  3. Slide 3: Assets and Liabilities

    Assets and Liabilities Assets Liabilities Unit: Million Baht Unit: Million Baht +5.1% QoQ +5.1% QoQ -1.4% YoY -2.1% YoY Unit : Million Baht 2018 3Q19 2019 % QoQ % YoY Unit : Million Baht 2018 3Q19 2019 % QoQ % YoY Loans - Net 240,654 240,742 242,963 0.9 1.0 Deposits & 241,985 220,340 234,421 6.4 (3.

  4. Slide 4: Loan Portfolios

    Loan Portfolios -0.4% QoQ -0.8% YoY Total Loans Unit: Million Baht +0.9% QoQ +1.0% YoY Retail Loans +4.6% QoQ +15.4% YoY Corporate Loans +11.0% QoQ -11.2% YoY SME Loans 4

  5. Slide 5: Retail Loan Portfolio Breakdown

    Retail Loan Portfolio Breakdown Unit: Million Baht -0.4% QoQ -0.8% YoY -0.8% QoQ -0.6% YoY +4.0% QoQ -5.1% QoQ -3.5% QoQ +11.3% YoY +3.3% QoQ -16.8% YoY -12.3% YoY +19.4% YoY *Remark: Mortgage Loans include Housing Loans and Home-Equity Loans 5

  6. Slide 6: TISCO Auto Cash

    TISCO Auto Cash Auto Cash Loan Outstanding Unit: Million Baht Auto Cash +4.0% QoQ +11.3% YoY Somwang +6.6% QoQ +28.6% YoY Somwang Loan Outstanding vs NPLs Somwang Branches 6

  7. Slide 7: Industry Car Sale & Penetration Rate

    Industry Car Sale & Penetration Rate Industry New Car Sale Units 120,000 100,000 80,000 60,000 40,000 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec TISCO’s Auto HP Penetration Rate 7

  8. Slide 8: Interest Income & NIM

    Interest Income & NIM Net Interest Income Unit: Million Baht -1.8% YoY -1.3% QoQ -0.3% YoY 8

  9. Slide 9: Asset Quality

    Asset Quality Non-Performing Loans Unit: Million Baht 2018 3Q19 2019 NPL by Loan Type Million Baht % Million Baht % Million Baht % Corporate - - 261 0.7 259 0.7 SME 112 0.8 168 1.4 158 1.2 Hire Purchase 3,845 2.8 3,895 2.8 3,254 2.4 Mortgage 1,345 6.6 1,393 7.8 1,316 7.7 Auto Cash 1,564 4.9 936 2.7

  10. Slide 10: Provisions

    Provisions Provision Expense & Credit Cost Unit: Million Baht Minimum Required Provision vs Actual Provision Unit: Million Baht 10

  11. Slide 11: Funding

    Funding Total Funding Unit: Million Baht +6.4% QoQ -3.1% YoY Unit : Million Baht 2018 3Q19 2019 % QoQ % YoY Current 2,484 2,848 2,638 (7.4) 6.2 Savings 54,684 37,662 37,802 0.4 (30.9) Fixed Deposits 135,941 162,272 175,645 8.2 29.2 Short-Term Bill of Exchanges 5,877 37 37 - (99.4) Senior Debentures

  12. 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 FY2019 -3.2% YoY +2.7% QoQ +0.5% YoY Unit : Million Baht 4Q18 3Q19 4Q19 % QoQ % YoY 2018 2019 % YoY Banking Fee 1,187 1,097 1,192 8.6 0.4 4,437 4,407 (0.7) Banc

  13. Slide 13: Asset Management Business

    Asset Management Business +3.7% QoQ +13.6% YoY TISCO Asset Under Management Unit: Million Baht Rank #1 +3.2% QoQ Provident Fund +16.5% YoY +5.3% QoQ +9.6% YoY Rank #13 Mutual Fund +0.2% QoQ +35.1% YoY Rank #8 Rank #5 Private Fund *Remark: Market Share and Rankings as of November 2019 13

  14. Slide 14: Brokerage Business

    Brokerage Business TISCO Trading Volume & Market Share Unit: Million Baht TISCO Trading Volume by Customers 14

  15. Slide 15: Operating Expenses

    Operating Expenses Operating Expenses Unit: Million Baht +5.9% YoY Cost to Income Ratio +3.3% QoQ +10.8% YoY Unit : Million Baht 4Q18 3Q19 4Q19 % QoQ % YoY 2018 2019 % YoY Empl oyees ' Expens es 1,431 1,579 1,626 3.0 13.6 5,839 6,410 9.8 Premis es & Equi pment Expens es 316 333 336 1.0 6.4 1,213 1,3

  16. Slide 16: Capital Adequacy

    Capital Adequacy Capital Adequacy Ratio of TISCO Bank Unit: Million Baht Risk-Based Capital Exposure 2018 2019 16

  17. Slide 17: Employees and Branch Network

    Employees and Branch Network Total Employees Total Branch Network 17

  18. Slide 18: Impact of TFRS9

    Impact of TFRS9 Total Reserve Unit: Million Baht ≈ Remark: loan loss reserve under TFRS 9 is projected amount prior to the auditor’s review Under TFRS 9 • 2,000 million baht of excess loan loss reserve will be equally straight-line amortized every quarter within 5 years. • Total equity is projected

  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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