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

Tisco Financial Group Public — Q3 2018 Earnings Presentation

27 slides from Tisco Financial Group Public's earnings presentation, 2018

  1. Slide 1: TISCO Financial Group Public Co., Ltd. Third Quarter 2018

    TISCO Financial Group Public Co., Ltd. For the third quarter of 2018

  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: Key Milestones

    Key Milestones 1969 1973 1975 1978 1983 1992 Founded by Bankers - First to introduce hire purchase - Started securities brokerage Incorporated Became listed - Set up TISCO Asset Trust of New York as financing product to retail clients business “TISCO Securities Co., Hi-Way Co., Ltd company in Manage

  5. Slide 5: TISCO Group Structure

    TISCO Group Structure TISCO TIsco TISCO Financial Group Plc.* a 1 1 t 1 1 I 1 t t 1 ' 1 1 ' 1 I 1 t i) 1 1 ' 99.99% 100% 49% 100% 1 100% 100% 1 100% 100% 100% 1 t 1 I é 1 1 ¥ i 1 7 TISCO 1 TISCO TISCO Asset | 1 TISCO TISCO TISCO 1 1 | TISCO Bank Hi-Way a All-Ways i gar My eM . Information ||) caming

  6. Slide 6: 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

  7. Slide 7: Share Capital Information

    Share Capital Information Total Shares 800,655,483 Ordinary Shares 800,645,624 CDIB, 10.0% NVDR, Preferred Shares 9,859 15.8% Foreign, No. of Shareholders 15,236 29.0% Foreign Shareholders 142 Local Shareholders 15,094 Shareholders by type (%) Institutional 79.5% Local, 45.3% Individual 20.5% Foreig

  8. Slide 8: Financial Results

    TISCO Financial Results

  9. Slide 9: Profitability

    Profitability Net Profit Unit: Million Baht +15.8% YoY +6.2% QoQ +15.4% YoY ROAE & ROAA 9

  10. Slide 10: 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

  11. Slide 11: 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

  12. Slide 12: 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 12

  13. Slide 13: 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 13

  14. Slide 14: 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 14

  15. Slide 15: 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 15

  16. Slide 16: Interest Income & NIM

    Interest Income & NIM Net Interest Income Unit: Million Baht +14.9% YoY -2.2% QoQ +12.2% YoY 16

  17. Slide 17: 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.

  18. Slide 18: Provisions

    Provisions Provision Expense & Credit Cost Unit: Million Baht Minimum Required Provision vs Actual Provision Unit: Million Baht 18

  19. Slide 19: 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

  20. Slide 20: 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

  21. Slide 21: 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 21

  22. Slide 22: Brokerage Business

    Brokerage Business TISCO Trading Volume & Market Share Unit: Million Baht TISCO Trading Volume by Customers 22

  23. Slide 23: 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

  24. Slide 24: Capital Adequacy

    Capital Adequacy Capital Adequacy Ratio of TISCO Bank Unit: Million Baht Risk-Based Capital Exposure 2Q18 3Q18 24

  25. Slide 25: Employees and Branch Network

    Employees and Branch Network Total Employees Total Branch Network 25

  26. Slide 26: 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

  27. Slide 27: TISCO

    TISCO

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