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

Tisco Financial Group Public — H1 2019 Earnings Presentation

29 slides from Tisco Financial Group Public's earnings presentation, 2019

  1. Slide 1: TISCO Financial Group Public Co., Ltd. For the First Half of 2019

    TISCO Financial Group Public Co., Ltd. For the First Half of 2019

  2. Slide 2: TISCO Overview

    © TISCO TISCO Overview

  3. Slide 3: Company Profile

    Company Profile Timelines 1975 One of the founding Business Model 1969 members of the Stock Founded by Bankers Trust of New York as Exchange of Thailand “Selective Focus” the first investment 1996 Universal Bank bank in Thailand First securitization of auto loan in South East Asia 2008 Restructured

  4. Slide 4: TISCO Group Structure

    TISCO Group Structure TISCO TIsco TISCO Financial Group Plc.* Poe i, <\ ., °°°°°»°»°°.°.°©§=§»— 1 ' 1 1 1 1 T T 1 1 1 1 1 1 1 1 1 1 1 1 1 1 99.99% 100% 49% | 100% 100% | 100% 100% 100% 100% 1 1 1 1 1 t t t t ' TISCO 1 TISCO TISCO Asset | 1 TISCO TISCO TISCO 1 1 | TISCO Bank Hi-Way olan eee 1 Sent iu

  5. Slide 5: TISCO Businesses

    TISCO Businesses Retail Banking • Auto Hire Purchase • TISCO Auto Cash • Mortgage Loan & Home-Equity Loan • SME Lending • Life & Non-Life Insurance Corporate Banking • Corporate Lending & Financial Advisory • Investment Banking • Corporate Insurance Wealth & Asset Management • Deposit Service • Weal

  6. Slide 6: Consolidated Loan Portfolio

    Consolidated Loan Portfolio Acquired Retail Thailand’s First Car Banking Business Buyer Scheme from SCBT Sale of Personal Loan & Credit Card to Citibank Took over Primus & GMAC Started SME Division Upgraded to Commercial Bank 9.2% 56.6% -7.5% 22.4% 14.7% 16.7% 15.8% 19.3% 9.8% 32.2% 21.4% 34.1% 17.5

  7. Slide 7: Profitability

    Profitability Profitability for the past 10 years 16.0% 45.3% 13.1% 13.4% 14.7% 0.0% 0.0% 17.8% 21.7% 15.2% Growth (YoY) 7

  8. Slide 8: Share Capital Information

    Share Capital Information Total Shares 800,655,483 Ordinary Shares 800,645,624 NVDR, CDIB, 10.0% Preferred Shares 9,859 13.2% No. of Shareholders 20,435 Foreign, Foreign Shareholders 139 34.3% Local Shareholders 20,296 Shareholders by type (%) Institutional 76.0% Local, 42.5% Individual 24.0% Foreig

  9. Slide 9: Recognition and Awards

    Recognition and Awards Best Company Performance from SET Awards 2018 Distinguished Financial Management from Thailand Corporate Excellence Awards 2018 by TMA and Sasin Board of the Year Awards 2018 – Gold from Thai Institute of Directors (IOD) ASEAN CG Scorecard from ASEAN Capital Markets Forum Rece

  10. Slide 10: Financial Results

    TISCO Financial Results

  11. Slide 11: Profitability

    Profitability Net Profit Unit: Million Baht +1.5% YoY +0.2% QoQ +5.2% YoY ROAE & ROAA 11

  12. Slide 12: Consolidated Income Statements

    Consolidated Income Statements Unit : Million Baht 2Q18 1Q19 2Q19 % QoQ % YoY 1H2018 1H2019 % YoY Interest Income 4,411 4,390 4,380 (0.2) (0.7) 8,902 8,770 (1.5) Interest Expenses (1,233) (1,287) (1,273) (1.1) 3.2 (2,476) (2,560) 3.4 Net Interest Income 3,179 3,102 3,107 0.2 (2.2) 6,426 6,210 (3.4)

  13. Slide 13: Assets and Liabilities

    Assets and Liabilities Assets Liabilities Unit: Million Baht Unit: Million Baht -1.9% QoQ -0.6% QoQ -3.4% YTD -3.0% YTD Unit : Million Baht 2018 1Q19 2Q19 % QoQ % YTD Unit : Million Baht 2018 1Q19 2Q19 % QoQ % YTD Loans - Net 240,654 241,700 241,215 (0.2) 0.2 Deposits & 241,985 233,606 225,400 (3.5)

  14. Slide 14: Loan Portfolios

    Loan Portfolios +0.5% QoQ +0.5% YTD Total Loans Unit: Million Baht -0.2% QoQ +0.2% YTD Retail Loans +2.1% QoQ +5.8% YTD Corporate Loans -12.5% QoQ -15.5% YTD SME Loans 14

  15. Slide 15: Retail Loan Portfolio Breakdown

    Retail Loan Portfolio Breakdown Unit: Million Baht +0.5% QoQ +0.5% YTD +0.9% QoQ +1.4% YTD +2.7% QoQ -4.9% QoQ -3.2% QoQ +4.1% YTD +5.5% QoQ -8.2% YTD -6.5% YTD +10.9% YTD *Remark: Mortgage Loans include Housing Loans and Home-Equity Loans 15

  16. Slide 16: TISCO Auto Cash

    TISCO Auto Cash Auto Cash Loan Outstanding Unit: Million Baht Auto Cash +2.7% QoQ +4.1% YTD Somwang +4.9% QoQ +10.3% YTD Somwang Loan Outstanding vs NPLs Somwang Branches 16

  17. Slide 17: 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 17

  18. Slide 18: Interest Income & NIM

    Interest Income & NIM Net Interest Income Unit: Million Baht -3.4% YoY +0.2% QoQ -2.2% YoY 18

  19. Slide 19: Asset Quality

    Asset Quality Non-Performing Loans Unit: Million Baht 2018 1Q19 2Q19 NPL by Loan Type Million Baht % Million Baht % Million Baht % Corporate - - 278 0.8 267 0.8 SME 112 0.8 107 0.7 130 1.0 Hire Purchase 3,845 2.8 3,732 2.7 4,010 2.8 Mortgage 1,345 6.6 1,431 7.3 1,414 7.5 Auto Cash 1,564 4.9 1,734 5.

  20. Slide 20: Provisions

    Provisions Provision Expense & Credit Cost Unit: Million Baht Minimum Required Provision vs Actual Provision Unit: Million Baht 20

  21. Slide 21: Funding

    Funding Total Funding Unit: Million Baht -3.5% QoQ -6.9% YTD Unit : Million Baht 2018 1Q19 2Q19 % QoQ % YTD Current 2,484 2,394 2,424 1.3 (2.4) Savings 54,684 47,371 40,282 (15.0) (26.3) Fixed Deposits 135,941 150,218 156,522 4.2 15.1 Short-Term Bill of Exchanges 5,877 37 37 (0.0) (99.4) Senior Debe

  22. Slide 22: Non-Interest Income

    Non-Interest Income Non-Interest Income from Core Businesses Non-Interest Income from Core Businesses Breakdown Unit: Million Baht Data for 6M2019 -8.4% YoY +2.6% QoQ -1.8% YoY Unit : Million Baht 2Q18 1Q19 2Q19 % QoQ % YoY 1H2018 1H2019 % YoY Banking Fee 1,078 1,059 1,060 0.1 (1.7) 2,209 2,119 (4.1

  23. Slide 23: Asset Management Business

    Asset Management Business +4.3% QoQ +5.0% YTD TISCO Asset Under Management Unit: Million Baht Rank #2 +2.7% QoQ Provident Fund +5.2% YTD -1.0% QoQ +4.1% YTD Rank #14 Mutual Fund +0.8% QoQ +7.3% YTD Rank #8 Rank #4 Private Fund 23

  24. Slide 24: Brokerage Business

    Brokerage Business TISCO Trading Volume & Market Share Unit: Million Baht TISCO Trading Volume by Customers 24

  25. Slide 25: Operating Expenses

    Operating Expenses Operating Expenses Unit: Million Baht +3.7% YoY Cost to Income Ratio -1.9% QoQ +6.7% YoY Unit : Million Baht 2Q18 1Q19 2Q19 % QoQ % YoY 1H2018 1H2019 % YoY Empl oyees ' Expens es 1,441 1,671 1,535 (8.2) 6.5 2,900 3,206 10.5 Premis es & Equi pment Expens es 302 307 329 7.3 9.0 594

  26. Slide 26: Capital Adequacy

    Capital Adequacy Capital Adequacy Ratio of TISCO Bank Unit: Million Baht Risk-Based Capital Exposure 1Q19 2Q19 26

  27. Slide 27: Employees and Branch Network

    Employees and Branch Network Total Employees Total Branch Network 27

  28. Slide 28: 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

  29. Slide 29: TISCO

    TISCO

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