Tisco Financial Group Public Co. Ltd. · SET:TISCO
Tisco Financial Group Public — Q2 2017 Earnings Presentation
20 slides from Tisco Financial Group Public's earnings presentation, Jul 12, 2017
Slide 1: TISCO Financial Group Analyst Meeting 2Q2017
TISCO Financial Group Public Co., Ltd. Analyst Meeting 2Q2017 July 12, 2017
Slide 2: Consolidated Income Statements
Consolidated Income Statements Unit : Million Baht 2Q16 1Q17 2Q17 % QoQ % YoY 1H2016 1H2017 % YoY Interest Income 3,991 3,925 3,928 0.1 (1.6) 8,058 7,853 (2.5) Interest Expenses (1,300) (1,161) (1,167) 0.5 (10.2) (2,675) (2,329) (12.9) Net Interest Income 2,691 2,764 2,761 (0.1) 2.6 5,383 5,525 2.6
Slide 3: Assets and Liabilities
Assets and Liabilities Assets Liabilities Unit: Million Baht Unit: Million Baht 1.4% QoQ 2.2% QoQ 0.3% YTD 0.4% YTD Unit : Million Baht 2016 1Q17 2Q17 % QoQ % YTD Unit : Million Baht 2016 1Q17 2Q17 % QoQ % YTD Loans - Net 224,934 220,523 216,149 (2.0) (3.9) Deposits & 218,073 211,033 216,670 2.7 (0.
Slide 4: Loan Portfolio
Loan Portfolio Total Loan Portfolio Unit: Million Baht 2.0% QoQ 3.9% YTD Retail Loans SME Loans Corporate Loans Unit: Million Baht Unit: Million Baht Unit: Million Baht 1.8% QoQ 4.8% QoQ 2.0% QoQ 3.6% YTD 19.8% YTD 0.03% 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 4.3% QoQ 6.2% YTD Somwang 9.0% QoQ 14.7% 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% 7.4% 7.3% 7.3% 7.3% 882 800 769 340 210 130 2014 2015 2016 1Q17 Apr-May 17 5M17 7
Slide 8: Loan Spread and Net Interest Margin
Loan Spread and Net Interest Margin Yield on Loans and Cost of Funds Remark: Cost of funds include contributions to FIDF and DPA Loan Spread and Net Interest Margin 8
Slide 9: Asset Quality
Asset Quality NPL and NPL Ratio Unit: Million Baht Total NPL % NPL 3.23% 2.57% 2.54% 2.37% 2.41% 7,701 6,750 5,710 5,221 5,199 2014 2015 2016 1Q17 2Q17 2016 1Q17 2Q17 NPL by Loan Type Million Baht % Million Baht % Million Baht % Corporate 412 0.9 383 0.8 382 0.8 SME 595 3.6 554 4.0 522 4.0 Hire Purc
Slide 10: Provisions
Provisions Provision Expense and Credit Cost Unit: Million Baht Provision expense (Million Baht) % Credit cost 5,277 4,426 3,972 2.11% 1.61% 1.72% 1.35% 0.99% 1.17% 1,295 753 542 2014 2015 2016 1Q17 2Q17 6M17 Minimum Required Provision vs Actual Provision Unit: Million Baht Minimum Required Provisio
Slide 11: Deposits
Deposits Total Deposits & Bill of Exchanges Unit: Million Baht 2.7% QoQ 0.6% YTD Unit : Million Baht 2016 1Q17 2Q17 % QoQ % YTD Current 3,691 3,019 2,587 (14.3) (29.9) Savings 51,928 51,625 52,787 2.3 1.7 Fixed Deposits 99,449 101,355 100,489 (0.9) 1.0 Short-Term Bill of Exchanges 5,967 4,957 5,537
Slide 12: Non-Interest Income
Non-Interest Income Non-Interest Income from Core Businesses Non-Interest Income Breakdown Unit: Million Baht 11.1% YoY 10.2% QoQ 8.8% YTD *Data as of 1H2017 Unit : Million Baht 2Q16 1Q17 2Q17 % QoQ % YoY 1H2016 1H2017 % YoY Banking Fee* 900 1,006 971 (3.6) 7.8 1,874 1,977 5.5 Asset Management Basic
Slide 13: Asset Management Business
Asset Management Business TISCO Asset under Management Unit: Million Baht Rank #8 3.5% QoQ 13.6% YTD Provident Fund Mutual Fund Private Fund Unit: Million Baht Rank #3 3.2% QoQ Unit: Million Baht Rank #15 2.9% QoQ Unit: Million Baht Rank #5 5.6% QoQ 6.7% YTD 13.3% YTD 47.7% YTD *Remark: Market Share
Slide 14: Brokerage Business
Brokerage Business TISCO Trading Volume and Market Share TISCO Volume (Million Baht) Market share (%) 538,028 513,346 525,158 2.9% 2.8% 2.6% 2.6% 2.4% 139,710 112,519 2014 2015 2016 1Q17 2Q17 TISCO Trading Volume by Customer Retail Investors Foreign Institution Local Institution 45% 42% 39% 39% 39%
Slide 15: Operating Expenses
Operating Expenses Cost to Income Ratio Cost to Total Assets Ratio Unit : Million Baht 2Q16 1Q17 2Q17 % QoQ % YoY 1H2016 1H2017 % YoY Employees' Expenses 1,059 1,248 1,234 (1.1) 16.6 2,127 2,482 16.7 Premises & Equipment Expenses 233 249 268 7.7 15.4 458 517 12.9 Taxes & Duties 52 55 55 0.2 5.5 103
Slide 16: Capital Adequacy
Capital Adequacy Capital Adequacy Ratio of TISCO Bank 20.5% 19.6% 19.8% 18.0% 16.8% 15.6% 14.7% 14.9% 14.0% 12.6% 34,542 34,260 35,367 Capital Base (MB) 30,240 30,901 BIS Ratio (%) Tier I (%) 2014 2015 2016 1Q17 2Q17* *Remark: Projected Figures Risk-Based Capital Exposure 1Q17 2Q17 16
Slide 17: Employees and Branch Network
Employees and Branch Network Total Branch Network Total TISCO Employees *Remark: Loan Office included Mobile Branches 17
Slide 18: 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 19: 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 19
Slide 20: SAILIMIGISSOd 4O HLIVAM
SAILIMIGISSOd 4O HLIVAM
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