Tisco Financial Group Public Co. Ltd. · SET:TISCO
Tisco Financial Group Public — Q1 2018 Earnings Presentation
21 slides from Tisco Financial Group Public's earnings presentation, Apr 18, 2018
Slide 1: TISCO Financial Group Analyst Meeting 1Q2018
TISCO Financial Group Public Co., Ltd. Analyst Meeting 1Q2018 April 18, 2018
Slide 2: Consolidated Income Statements
Consolidated Income Statements Unit : Million Baht 1Q17 4Q17 1Q18 % QoQ % YoY Interest Income 3,925 4,636 4,568 (1.5) 16.4 Interest Expenses (1,161) (1,278) (1,244) (2.7) 7.1 Net Interest Income 2,764 3,358 3,325 (1.0) 20.3 Fee & Service Income 1,512 1,998 1,797 (10.1) 18.8 Fee & Service Expenses (6
Slide 3: Assets and Liabilities
Assets and Liabilities Assets Liabilities Unit: Million Baht Unit: Million Baht 1.7% YTD 2.5% YTD Unit : Million Baht 1Q17 2017 1Q18 % YTD Unit : Million Baht 1Q17 2017 1Q18 % YTD Deposits & Loans - Net 220,523 251,384 246,530 (1.9) 211,033 245,202 237,082 (3.3) Borrowings Allowance (8,560) (11,456)
Slide 4: Loan Portfolio
Loan Portfolio Total Loan Portfolio Unit: Million Baht 1.9% YTD Retail Loans SME Loans Corporate Loans Unit: Million Baht Unit: Million Baht Unit: Million Baht 0.5% YTD 1.8% YTD 6.6% 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 0.5% YTD 0.7% YTD 3.5% YTD 5.9% YTD 4.0% YTD 5.8% YTD 17.7% YTD 15.3% YTD NPL Ratio 2.4% 2.6% 5.2% 1.6% 0.9% 2.7% Remark: * Loan Portfolio classified with managerial purpose, including consumer loans for corporate clients into retail loans 6
Slide 7: TISCO Auto Cash
TISCO Auto Cash Auto Cash Loan Outstanding Unit: Million Baht Auto Cash 4.0% YTD Somwang 9.1% 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 (%) 9.5% 8.9% 8.0% 8.3% 7.2% 7.2% 871 800 769 67 142 75 2015 2016 2017 Jan 18 Feb 18 2M18 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% 2.4% 2.4% 2.3% 2.3% 2.3% 7,701 6,750 5,710 5,199 5,829 5,712 5,221 5,030 2014 2015 2016 1Q17 2Q17 3Q17 2017 1Q18 1Q17 2017 1Q18 NPL by Loan Type Million Baht % Million Baht % Million Baht % Corporate 262 0.6 332 0.7 29
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 2.0% 1.7% 1.5% 1.3% 1.4% 1.0% 1.1% 1,192 753 542 611 950 2015 2016 2017 1Q17 2Q17 3Q17 4Q17 1Q18 Minimum Required Provision vs Actual Provision Unit: Million Baht Min
Slide 12: Deposits
Deposits Total Deposits & Bill of Exchanges Unit: Million Baht 3.3% YTD Unit : Million Baht 1Q17 2017 1Q18 %YTD Current 3,019 3,785 3,683 (2.7) Savings 51,625 64,544 61,249 (5.1) Fixed Deposits 101,355 112,474 111,214 (1.1) Short-Term Bill of Exchanges 4,957 7,477 3,067 (59.0) Senior Debentures 50,0
Slide 13: Non-Interest Income
Non-Interest Income Non-Interest Income from Core Businesses Non-Interest Income Breakdown Unit: Million Baht 4.0% QoQ 13.3% YoY Unit : Million Baht 1Q17 4Q17 1Q18 % QoQ % YoY Banking Fee* 1,006 1,198 1,153 (3.7) 14.6 Asset Management Basic Fee 301 349 385 10.2 27.9 Brokerage Fee 213 235 261 11.1 22
Slide 14: Asset Management Business
Asset Management Business TISCO Asset under Management Unit: Million Baht Rank #8 1.7% YTD Provident Fund Mutual Fund Private Fund Unit: Million Baht Rank #3 1.7% YTD Unit: Million Baht Rank #14 1.5% YTD Unit: Million Baht Rank #5 1.7% YTD *Remark: Market Share and Rankings as of February 2018 14
Slide 15: Brokerage Business
Brokerage Business TISCO Trading Volume and Market Share TISCO Volume (Million Baht) Market share (%) 543,343 513,346 525,158 2.8% 2.6% 2.7% 2.4% 2.6% 2.6% 2.5% 2.5% 185,754 139,710 112,519 131,454 159,660 2015 2016 2017 1Q17 2Q17 3Q17 4Q17 1Q18 TISCO Trading Volume by Customer Retail Investors Fore
Slide 16: Operating Expenses
Operating Expenses Cost to Income Ratio Cost to Total Assets Ratio Unit : Million Baht 1Q17 4Q17 1Q18 % QoQ % YoY Employees' Expenses 1,248 1,282 1,465 14.3 17.4 Premises & Equipment Expenses 249 355 294 (17.0) 18.2 Taxes & Duties 55 89 84 (5.3) 52.6 Other Expenses* 246 511 534 4.5 116.8 Total Opera
Slide 17: Capital Adequacy
Capital Adequacy Capital Adequacy Ratio of TISCO Bank 20.7% 21.6% 19.6% 18.0% 16.7% 16.0% 14.0% 14.7% 34,542 35,351 35,122 Capital Base (MB) 30,901 BIS Ratio (%) Tier I (%) 2015 2016 2017 1Q18* *Remark: Projected Figures Risk-Based Capital Exposure 2017 1Q18 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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