Tisco Financial Group Public Co. Ltd. · SET:TISCO
Tisco Financial Group Public — Q3 2017 Earnings Presentation
21 slides from Tisco Financial Group Public's earnings presentation, Oct 12, 2017
Slide 1: Analyst Meeting 3Q2017
TISCO Financial Group Public Co., Ltd. Analyst Meeting 3Q2017 October 12, 2017
Slide 2: Consolidated Income Statements
Consolidated Income Statements Unit : Million Baht 3Q16 2Q17 3Q17 % QoQ % YoY 9M2016 9M2017 % YoY Interest Income 3,975 3,928 3,981 1.3 0.1 12,033 11,834 (1.7) Interest Expenses (1,218) (1,167) (1,208) 3.5 (0.8) (3,893) (3,537) (9.1) Net Interest Income 2,758 2,761 2,772 0.4 0.5 8,140 8,297 1.9 Fee
Slide 3: Assets and Liabilities
Assets and Liabilities Assets Liabilities Unit: Million Baht Unit: Million Baht 0.0% QoQ 0.6% QoQ 0.2% YTD 1.0% YTD Unit : Million Baht 2016 2Q17 3Q17 % QoQ % YTD Unit : Million Baht 2016 2Q17 3Q17 % QoQ % YTD Deposits & Loans - Net 224,934 216,149 215,038 (0.5) (4.4) 218,073 216,670 215,198 (0.7) (
Slide 4: Loan Portfolio
Loan Portfolio Total Loan Portfolio Unit: Million Baht 0.5% QoQ 4.4% YTD Retail Loans SME Loans Corporate Loans Unit: Million Baht Unit: Million Baht Unit: Million Baht 1.0% QoQ 1.2% QoQ 1.1% QoQ 4.4% YTD 20.7% YTD 1.1% YTD 4
Slide 5: Retail Loan Portfolio
Retail Loan Portfolio Retail Loan Breakdown 5
Slide 6: Consumer Finance Loan
Consumer Finance Loan Consumer Finance Loan Outstanding Unit: Million Baht Consumer Finance 7.7% QoQ 14.4% YTD Somwang 11.5% QoQ 27.9% YTD Somwang Loan Outstanding Somwang Branches Unit: Million Baht 6
Slide 7: Industry Car Sales and Penetration Rate
Industry Car Sales and Penetration Rate Industry New Car Sales TISCO Auto HP Penetration Rate No. of New Car Sales ('000 Units) Penetration Rate (%) 8.9% 8.0% 7.6% 7.4% 7.3% 7.1% 7.3% 882 800 769 543 210 199 133 2014 2015 2016 1Q17 2Q17 Jul-Aug 17 8M17 7
Slide 8: Loan Spread and Net Interest Margin
Loan Spread and Net Interest Margin Yield on Loans and Cost of Funds 6.7 6.8 6.8 7.0 6.5 6.5 % Yield on loans 4.7 4.8 4.9 4.5 3.9 % Loan spread 3.3 3.2 % Cost of funds 2.6 2.1 2.2 2.1 2.1 2014 2015 2016 1Q17 2Q17 3Q17 Remark: Cost of funds include contributions to FIDF and DPA Loan Spread and Net In
Slide 9: Asset Quality
Asset Quality NPL and NPL Ratio Unit: Million Baht Total NPL % NPL 3.2% 2.6% 2.5% 2.4% 2.4% 2.3% 7,701 6,750 5,710 5,221 5,199 5,030 2014 2015 2016 1Q17 2Q17 3Q17 2016 2Q17 3Q17 NPL by Loan Type Million Baht % Million Baht % Million Baht % Corporate 412 0.9 382 0.8 412 0.9 SME 595 3.6 522 4.0 460 3.
Slide 10: Provisions
Provisions Provision Expense and Credit Cost Unit: Million Baht Provision expense (Million Baht) % Credit cost 5,277 4,426 3,972 2.1% 1.6% 1.7% 1.4% 1.1% 1.2% 1.0% 1,906 753 542 611 2014 2015 2016 1Q17 2Q17 3Q17 9M17 Minimum Required Provision vs Actual Provision Unit: Million Baht Minimum Required
Slide 11: Deposits
Deposits Total Deposits & Bill of Exchanges Unit: Million Baht 0.7% QoQ 1.3% YTD Unit : Million Baht 2016 2Q17 3Q17 % QoQ % YTD Current 3,691 2,587 3,381 30.7 (8.4) Savings 51,928 52,787 53,018 0.4 2.1 Fixed Deposits 99,449 100,489 98,567 (1.9) (0.9) Short-Term Bill of Exchanges 5,967 5,537 8,312 50
Slide 12: Non-Interest Income
Non-Interest Income Non-Interest Income from Core Businesses Non-Interest Income Breakdown Unit: Million Baht 8.5% YoY 6.6% QoQ IB, 3.8% 3.9% YoY Brokerage, Bancassurance, 12.7% 41.0% Banking fee, AM, 19.9% 63.6% HP related , 7.9% Other, 14.7% *Data as of 9M2017 Unit : Million Baht 3Q16 2Q17 3Q17 %
Slide 13: Asset Management Business
Asset Management Business TISCO Asset under Management Unit: Million Baht Rank #9 2.9% QoQ 16.9% YTD Provident Fund Mutual Fund Private Fund Unit: Million Baht Rank #3 3.2% QoQ Unit: Million Baht Rank #15 3.6% QoQ Unit: Million Baht Rank #5 1.2% QoQ 10.1% YTD 17.4% YTD 49.5% YTD *Remark: Market Shar
Slide 14: Brokerage Business
Brokerage Business TISCO Trading Volume and Market Share TISCO Volume (Million Baht) Market share (%) 538,028 513,346 525,158 383,683 2.9% 2.8% 2.6% 2.6% 2.5% 2.6% 2.4% 139,710 112,519 131,454 2014 2015 2016 1Q17 2Q17 3Q17 9M17 TISCO Trading Volume by Customer Retail Investors Foreign Institution Lo
Slide 15: Operating Expenses
Operating Expenses Cost to Income Ratio Cost to Total Assets Ratio Unit : Million Baht 3Q16 2Q17 3Q17 % QoQ % YoY 9M2016 9M2017 % YoY Employees' Expenses 1,076 1,234 1,318 6.8 22.5 3,202 3,800 18.7 Premises & Equipment Expenses 236 268 277 3.4 17.4 694 795 14.4 Taxes & Duties 52 55 57 3.3 10.7 155 1
Slide 16: Capital Adequacy
Capital Adequacy Capital Adequacy Ratio of TISCO Bank 19.6% 20.5% 20.5% 19.8% 18.0% 16.8% 15.6% 15.6% 14.0% 14.7% 14.9% 12.6% 35,387 35,980 34,542 34,260 Capital Base (MB) 30,240 30,901 BIS Ratio (%) Tier I (%) 2014 2015 2016 1Q17 2Q17 3Q17* *Remark: Projected Figures Risk-Based Capital Exposure 2Q1
Slide 17: Employees and Branch Network
Employees and Branch Network Total Branch Network Total TISCO Employees Bank Branch Loan Office Total Employees 212 233 198 195 158 4,244 4,250 4,181 4,160 4,210 4,318 147 141 156 177 138 91 101 56 57 57 57 56 56 2014 2015 2016 1Q17 2Q17 3Q17 2014 2015 2016 1Q17 2Q17 3Q17 *Remark: Loan Office includ
Slide 18: SCBT Portfolio Acquisition
SCBT Portfolio Acquisition Transferred on October 1, 2017 SCBT Loan Portfolio Breakdown Portfolio Acquired from SCBT Personal Loan, 14% Unit: Million Baht Approximate Data as of September 2017 Small Business Mortgage Loan 24,000 Loan, 10% Mortgage Personal Loan 5,000 Loan, 67% Credit Card, 9% Small
Slide 19: Disclaimer
Disclaimer This presentation material may contain forward-looking statements. These forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and actual results may differ from those in the forward looking statements as a result of various factors. TISC
Slide 20: Investor Relations
Investor Relations TISCO Financial Group Public Company Limited 48/49 TISCO Tower, North Sathorn Road Silom, Bangrak, Bangkok 10500 Thailand Tel: +66-2-633-6868 Fax: +66-2-633-6855 Email: ir@tisco.co.th Website: www.tisco.co.th 20
Slide 21: SAILIMIGISSOd 4O HLIVAM
SAILIMIGISSOd 4O HLIVAM
TISCO Financial Group Public — Q3 2017 Earnings Presentation on 6ix