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

Tisco Financial Group Public — Q3 2018 Earnings Presentation

19 slides from Tisco Financial Group Public's earnings presentation, Oct 12, 2018

  1. Slide 1: Analyst Meeting 3Q2018

    TISCO Financial Group Public Co., Ltd. Analyst Meeting 3Q2018 October 12, 2018

  2. Slide 2: Consolidated Income Statements

    Consolidated Income Statements Unit : Million Baht 3Q17 2Q18 3Q18 % QoQ % YoY 9M2017 9M2018 % YoY Interest Income 3,981 4,411 4,408 (0.1) 10.7 11,834 13,311 12.5 Interest Expenses (1,208) (1,233) (1,298) 5.3 7.4 (3,537) (3,775) 6.7 Net Interest Income 2,772 3,179 3,110 (2.2) 12.2 8,297 9,536 14.9 Fe

  3. Slide 3: Assets and Liabilities

    Assets and Liabilities Assets Liabilities Unit: Million Baht Unit: Million Baht -1.3% QoQ -2.1% QoQ +1.0% YTD +0.7% YTD Unit : Million Baht 2017 2Q18 3Q18 % QoQ % YTD Unit : Million Baht 2017 2Q18 3Q18 % QoQ % YTD Loans - Net 251,384 237,367 240,051 1.1 (4.5) Deposits & 245,202 243,554 246,440 1.2 0

  4. Slide 4: Loan Portfolios

    Loan Portfolios -0.4% QoQ -3.8% YTD Total Loans Unit: Million Baht +1.1% QoQ -4.5% YTD Retail Loans -0.5% QoQ -8.6% YTD Corporate Loans +29.8% QoQ +1.8% YTD SME Loans 4

  5. Slide 5: Retail Loan Portfolio Breakdown

    Retail Loan Portfolio Breakdown -0.4% QoQ -3.8% YTD Unit: Million Baht -0.6% QoQ +0.3% YTD +3.8% QoQ -3.4% QoQ -3.9% QoQ +12.1% YTD -12.1% YTD +5.1% QoQ -10.6% YTD +18.0% YTD 5

  6. Slide 6: TISCO Auto Cash

    TISCO Auto Cash Auto Cash Loan Outstanding Unit: Million Baht Auto Cash +3.8% QoQ +12.1% YTD Somwang +8.9% QoQ +29.6% YTD 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 2015 100,000 2016 2017 80,000 2018 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 +14.9% YoY -2.2% QoQ +12.2% YoY 8

  9. Slide 9: Asset Quality

    Asset Quality Non-Performing Loans Unit: Million Baht 2017 2Q18 3Q18 NPL by Loan Type Million Baht % Million Baht % Million Baht % Corporate 332 0.7 280 0.7 299 0.7 SME 191 1.3 736 6.2 713 4.6 Hire Purchase 3,325 2.6 3,361 2.6 3,411 2.6 Mortgage 1,168 4.9 1,076 5.0 1,134 5.4 Auto Cash 677 2.4 824 2.

  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 +1.2% QoQ +0.5% YTD Unit : Million Baht 2017 2Q18 3Q18 % QoQ % YTD Current 3,785 2,652 2,624 (1.0) (30.7) Savings 64,544 60,637 57,542 (5.1) (10.8) Fixed Deposits 112,474 121,730 130,866 7.5 16.4 Short-Term Bill of Exchanges 7,477 7,042 6,827 (3.1) (8.7) Seni

  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 9M2018 +8.2% YoY -3.1% QoQ +1.3% YoY Unit : Million Baht 3Q17 2Q18 3Q18 % QoQ % YoY 9M2017 9M2018 % YoY Banking Fee 1,004 1,078 1,041 (3.5) 3.7 2,980 3,250 9.0

  13. Slide 13: Asset Management Business

    Asset Management Business +3.4% QoQ +6.2% YTD TISCO Asset Under Management Unit: Million Baht Rank #2 +2.8% QoQ Provident Fund +4.8% YTD +2.6% QoQ +3.0% YTD Rank #14 Mutual Fund +0.8% QoQ +1.9% YTD Rank #8 Rank #5 Private Fund Market Share and Rankings as of September 2018 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 +19.6% YoY Cost to Income Ratio +2.3% QoQ +13.6% YoY Unit : Million Baht 3Q17 2Q18 3Q18 % QoQ % YoY 9M2017 9M2018 % YoY Empl oyees ' Expens es 1,318 1,441 1,508 4.7 14.5 3,800 4,409 16.0 Premis es & Equi pment Expens es 277 302 304 0.6 9.5 795

  16. Slide 16: Capital Adequacy

    Capital Adequacy Capital Adequacy Ratio of TISCO Bank Unit: Million Baht Risk-Based Capital Exposure 2Q18 3Q18 16

  17. Slide 17: Employees and Branch Network

    Employees and Branch Network Total Employees Total Branch Network 17

  18. Slide 18: 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

  19. Slide 19: O)SiL

    O)SiL

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