Tisco Financial Group Public Co. Ltd. · SET:TISCO
Tisco Financial Group Public — Q2 2018 Earnings Presentation
21 slides from Tisco Financial Group Public's earnings presentation, Jul 12, 2018
Slide 1: Analyst Meeting 2Q2018
TISCO Financial Group Public Co., Ltd. Analyst Meeting 2Q2018 July 12, 2018
Slide 2: Consolidated Income Statements
Consolidated Income Statements Unit : Million Baht 2Q17 1Q18 2Q18 % QoQ % YoY 1H2017 1H2018 % YoY Interest Income 3,928 4,491 4,411 (1.8) 12.3 7,853 8,902 13.4 Interest Expenses (1,167) (1,244) (1,233) (0.9) 5.6 (2,329) (2,476) 6.4 Net Interest Income 2,761 3,247 3,179 (2.1) 15.1 5,525 6,426 16.3 Fe
Slide 3: Assets and Liabilities
Assets and Liabilities Assets Liabilities Unit: Million Baht Unit: Million Baht 4.0% QoQ 5.5% QoQ 2.3% YTD 2.8% YTD Unit : Million Baht 2017 1Q18 2Q18 % QoQ % YTD Unit : Million Baht 2017 1Q18 2Q18 % QoQ % YTD Deposits & Loans - Net 251,384 240,764 237,367 (1.4) (5.6) 245,202 237,082 243,554 2.7 (0.
Slide 4: Loan Portfolio
Loan Portfolio Total Loan Portfolio Unit: Million Baht 1.4% QoQ 5.6% YTD Retail Loans SME Loans Corporate Loans Unit: Million Baht Unit: Million Baht Unit: Million Baht 0.1% QoQ 20.2% QoQ 1.6% QoQ 3.4% YTD 21.6% YTD 8.1% YTD 4
Slide 5: Retail Loan Portfolio
Retail Loan Portfolio Retail Loan Breakdown 5
Slide 6: Retail Loan Portfolio
Retail Loan Portfolio Retail Loan Composition 0.1% QoQ 3.4% YTD 0.2% QoQ 0.9% YTD 3.8% QoQ 3.4% QoQ 3.7% QoQ 6.0% QoQ 8.0% YTD 9.0% YTD 7.0% YTD 12.3% YTD NPL Ratio HP = 2.6% Auto Cash = 2.8% ML = 5.0% Total = 2.9% 6
Slide 7: TISCO Auto Cash
TISCO Auto Cash Auto Cash Loan Outstanding Unit: Million Baht Auto Cash 3.8% QoQ 8.0% YTD Somwang 9.1% QoQ 19.0% YTD Somwang Loan Outstanding Somwang Branches Unit: Million Baht 7
Slide 8: 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% 7.2% 7.2% 7.4% 871 800 769 401 237 164 2015 2016 2017 1Q18 Apr-May 5M18 18 8
Slide 9: 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 9
Slide 10: Asset Quality
Asset Quality NPL and NPL Ratio Unit: Million Baht Total NPL % NPL 3.2% 2.6% 2.5% 2.3% 2.3% 2.7% 7,701 6,750 6,392 5,710 5,829 5,639 2014 2015 2016 2017 1Q18 2Q18 2017 1Q18 2Q18 NPL by Loan Type Million Baht % Million Baht % Million Baht % Corporate 332 0.7 289 0.7 280 0.7 SME 191 1.3 164 1.1 736 6.
Slide 11: Provisions
Provisions Provision Expense and Credit Cost Unit: Million Baht Provision expense (Million Baht) % Credit cost 5,277 3,972 2.1% 3,098 1.7% 1.5% 1.3% 0.9% 914 534 2015 2016 2017 1Q18 2Q18 Minimum Required Provision vs Actual Provision Unit: Million Baht Minimum Require d Provision Actual Provision 11
Slide 12: Deposits
Deposits Total Deposits & Bill of Exchanges Unit: Million Baht 2.7% QoQ 0.7% YTD Unit : Million Baht 2017 1Q18 2Q18 %QoQ % YTD Current 3,785 3,683 2,652 (28.0) (29.9) Savings 64,544 61,249 60,637 (1.0) (6.1) Fixed Deposits 112,474 111,214 121,730 9.5 8.2 Short-Term Bill of Exchanges 7,477 3,067 7,04
Slide 13: Non-Interest Income
Non-Interest Income Non-Interest Income from Core Businesses Non-Interest Income Breakdown Unit: Million Baht 11.7% YoY 10.6% QoQ 11.5% YoY *Date for 6M2018 Unit : Million Baht 2Q17 1Q18 2Q18 % QoQ % YoY 1H2017 1H2018 % YoY Banking Fee* 971 1,131 1,078 (4.7) 11.1 1,977 2,209 11.7 Asset Management Ba
Slide 14: Asset Management Business
Asset Management Business TISCO Asset under Management Unit: Million Baht Rank #8 0.3% QoQ 2.0% YTD Provident Fund Mutual Fund Private Fund Unit: Million Baht Rank #2 1.0% QoQ Unit: Million Baht Rank #13 1.1% QoQ Unit: Million Baht Rank #5 0.6% QoQ 2.7% YTD 0.4% YTD 1.1% YTD *Remark: Rankings and Ma
Slide 15: Brokerage Business
Brokerage Business TISCO Trading Volume and Market Share TISCO Volume (Million Baht) Market share (%) 525,158 543,343 513,346 2.8% 2.4% 2.6% 2.5% 2.6% 185,754 157,456 2015 2016 2017 1Q18 2Q18 TISCO Trading Volume by Customer Retail Investors Foreign Institution Local Institution 35% 27% 42% 39% 38%
Slide 16: Operating Expenses
Operating Expenses Cost to Income Ratio Cost to Total Assets Ratio Unit : Million Baht 2Q17 1Q18 2Q18 % QoQ % YoY 1H2017 1H2018 % YoY Employees' Expenses 1,234 1,459 1,441 (1.2) 16.8 2,482 2,900 16.9 Premises & Equipment Expenses 268 292 302 3.6 12.6 517 594 14.8 Taxes & Duties 55 81 75 (6.9) 35.6 1
Slide 17: Capital Adequacy
Capital Adequacy Capital Adequacy Ratio of TISCO Bank 22.7% 20.7% 21.5% 19.6% 18.0% 17.7% 16.0% 16.6% 14.0% 14.7% 34,542 35,351 35,129 35,934 Capital Base (MB) 30,901 BIS Ratio (%) Tier I (%) 2015 2016 2017 1Q18 2Q18* *Remark: Projected Figures Risk-Based Capital Exposure 1Q18 2Q18 17
Slide 18: Employees and Branch Network
Employees and Branch Network Total Branch Network Total TISCO Employees *Remark: Loan Office included Mobile Branches 18
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
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