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

Tisco Financial Group Public — Q1 2022 Earnings Presentation

20 slides from Tisco Financial Group Public's earnings presentation, Apr 18, 2022

  1. Slide 1: TISCO Financial Group Analyst Meeting 1Q2022

    TISCO Financial Group Public Co., Ltd. Analyst Meeting 1Q2022 April 18, 2022

  2. Slide 2: Consolidated Income Statements

    Consolidated Income Statements Unit : Million Baht 1Q21 4Q21 1Q22 % QoQ % YoY Interest Income 3,776 3,617 3,556 (1.7) (5.8) Interest Expenses (666) (510) (495) (2.9) (25.7) Net Interest Income 3,110 3,108 3,061 (1.5) (1.6) Fee & Service Income 1,735 1,827 1,407 (23.0) (18.9) Fee & Service Expenses (

  3. Slide 3: Assets and Liabilities

    Assets and Liabilities Assets Liabilities Unit: Million Baht Unit: Million Baht +1.2% +0.5% QoQ QoQ Unit : Million Baht 2020 2021 1Q22 % QoQ Unit : Million Baht 2020 2021 1Q22 % QoQ Loans 224,812 202,950 203,553 0.3 Deposits & 209,679 174,864 177,022 1.2 Borrowings Allowance (11,826) (11,740) (11,49

  4. Slide 4: Loan Portfolios

    Loan Portfolios Total Loans Unit: Million Baht +0.3% Retail Loans QoQ -0.6% QoQ Corporate Loans +3.9% QoQ Loans by sectors SME Loans +1.3% QoQ 4

  5. Slide 5: Retail Loan Portfolio Breakdown

    Retail Loan Portfolio Breakdown Unit: Million Baht -0.6% QoQ -1.3% QoQ +1.5% QoQ -3.7% QoQ +2.3% QoQ +1.4% QoQ 5

  6. Slide 6: TISCO Auto Cash

    TISCO Auto Cash Auto Cash Loans Unit: Million Baht Auto Cash +1.5% QoQ Somwang +3.0% Loan Generated through QoQ Somwang channel Somwang Loans vs NPLs Somwang Branches Unit: Million Baht 6

  7. Slide 7: Industry Car Sale & Penetration Rate

    Industry Car Sale & Penetration Rate Industry New Car Sale TISCO’s Auto HP Penetration Rate TISCO’s Penetration Rate (%) Industry Car Sale (‘000 units) Industry Car Sale +26.1% 2M YoY 7

  8. Slide 8: Interest Income & NIM

    Interest Income & NIM Yield on Loans Net Interest Income Unit: Million Baht Loan Spread -1.5% -1.6% QoQ YoY Cost of Funds Loan Spread NIM 8

  9. Slide 9: Asset Quality

    Asset Quality Loan Classification Non-Performing Loans Unit: Million Baht Unit: Million Baht NPLs Stage 2 Stage 1 2020 2021 1Q22 NPLs by Loan Types Million Baht % Million Baht % Million Baht % Corporate - - 19 0.1 - - SME 64 0.6 66 0.8 78 0.9 Hire Purchase 3,268 2.6 2,682 2.4 2,309 2.1 Mortgage 986

  10. Slide 10: Debt Relief Programs

    Debt Relief Programs Outstanding Loans under Debt Relief Programs at the end of March 2022 % to total loans Outstanding Soft Loans for SMES 10

  11. Slide 11: Expected Credit Loss

    Expected Credit Loss Expected Credit Loss Unit: Million Baht Allowance for ECL Unit: Million Baht TFRS 9 Coverage Ratio Excess Reserve General Provision Expected Credit Loss (ECL) Specific Provision 11

  12. Slide 12: Funding

    Funding Total Funding Unit: Million Baht +1.2% QoQ Unit : Million Baht 2020 2021 1Q22 % QoQ Current 3,200 2,162 2,207 2.1 Savings 50,320 46,932 46,009 (2.0) Fixed Deposits 149,953 117,448 123,219 4.9 Short-Term Bill of Exchanges 37 37 37 - Senior Debentures 6,169 8,285 5,550 (33.0) Total Deposits &

  13. Slide 13: Non-Interest Income

    Non-Interest Income Non-Interest Income from Core Businesses Non-Interest Income from Core Businesses Breakdown Data as of 3M2022 Unit: Million Baht +5.0% -18.7% QoQ YoY Unit : Million Baht 1Q21 4Q21 1Q22 % QoQ % YoY Banking Fee 827 824 814 (1.3) (1.6) Bancassurance Fee 539 615 604 (1.8) 12.1 Other

  14. Slide 14: Asset Management Business

    Asset Management Business Assets Under Management Rank #1 Unit: Million Baht -2.1% Provident Fund QoQ +2.0% QoQ Rank #13 Mutual Fund -8.5% QoQ Rank #8 Rank #6 Private Fund -9.5% QoQ *Remark: Market Share and Rankings as of February 2022 14

  15. Slide 15: Brokerage Business

    Brokerage Business TISCO Trading Volume & Market Share Unit: Million Baht Trading Volume by Customers 15

  16. Slide 16: Operating Expenses

    Operating Expenses Operating Expenses Unit: Million Baht Cost to Income Ratio -3.5% +2.2% QoQ YoY Unit : Million Baht 1Q21 4Q21 1Q22 % QoQ % YoY Employee Expenses 1,452 1,504 1,510 0.4 4.0 Premises & Equipment Expenses 317 338 322 (4.6) 1.6 Taxes & Duties 66 59 62 5.2 (5.9) Other Expenses 220 276 20

  17. Slide 17: Capital Adequacy

    Capital Adequacy Capital Base of TISCO Bank Unit: Million Baht Capital Adequacy Ratio BIS Ratio Tier I Ratio Min. Required by BOT 11.0% BIS Ratio 8.5% Tier I Ratio *Remark: Projected figures 17

  18. Slide 18: Employees and Branch Network

    Employees and Branch Network Total Employees Number of Employees Total Branch Network Somwang Loan Offices Bank Branches 18

  19. Slide 19: 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

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