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

Tisco Financial Group Public — Q3 2020 Earnings Presentation

19 slides from Tisco Financial Group Public's earnings presentation, Oct 16, 2020

  1. Slide 1: Analyst Meeting 3Q2020

    TISCO Financial Group Public Co., Ltd. Analyst Meeting 3Q2020 October 16, 2020

  2. Slide 2: Consolidated Income Statements

    Consolidated Income Statements Unit : Million Baht 3Q19 2Q20 3Q20 % QoQ % YoY 9M19 9M20 % YoY Interest Income 4,377 4,122 4,082 (1.0) (6.7) 13,146 12,757 (3.0) Interest Expenses (1,266) (994) (830) (16.5) (34.5) (3,826) (2,919) (23.7) Net Interest Income 3,111 3,128 3,252 4.0 4.6 9,320 9,838 5.6 Fee

  3. Slide 3: Assets and Liabilities

    Assets and Liabilities Assets Liabilities Unit: Million Baht Unit: Million Baht +0.3% QoQ -0.3% QoQ -7.5% YTD -8.1% YTD Unit : Million Baht 2019 2Q20 3Q20 % QoQ % YTD Unit : Million Baht 2019 2Q20 3Q20 % QoQ % YTD Loans 242,826 228,165 224,900 (1.4) (7.4) Deposits & 234,421 213,036 212,633 (0.2) (9.

  4. Slide 4: Loan Portfolios

    Loan Portfolios -1.5% QoQ -6.4% YTD Total Loans Unit: Million Baht Retail Loans -1.4% QoQ -7.4% YTD -0.2% QoQ -1.4% YTD Corporate Loans -4.2% QoQ -38.6% YTD SME Loans 4

  5. Slide 5: Retail Loan Portfolio Breakdown

    Retail Loan Portfolio Breakdown Unit: Million Baht -1.5% QoQ -6.4% YTD -0.8% QoQ -6.7% YTD -2.9% QoQ -2.3% YTD -5.0% QoQ -1.4% QoQ +1.9% QoQ -14.3% YTD -7.2% YTD +0.5% YTD 5

  6. Slide 6: TISCO Auto Cash

    TISCO Auto Cash Auto Cash Loans Unit: Million Baht Auto Cash -2.7% QoQ -2.3% YTD Somwang -2.6% QoQ -1.2% YTD Somwang Loans vs NPLs Somwang Branches 6

  7. Slide 7: Industry Car Sale & Penetration Rate

    Industry Car Sale & Penetration Rate Industry New Car Sale Units 110,000 80,000 50,000 20,000 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec TISCO’s Auto HP Penetration Rate 7

  8. Slide 8: Interest Income & NIM

    Interest Income & NIM Yield on Loan Net Interest Income Unit: Million Baht Loan Spread +5.6% YoY +4.0% QoQ +4.6% YoY Cost of Fund 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 2019 2Q20 3Q20 NPLs by Loan Types Million Baht % Million Baht % Million Baht % Corporate 259 0.7 229 0.6 - - SME 158 1.2 147 1.7 118 1.5 Hire Purchase 3,249 2.4 4,540 3.5 3,575 2.8 Mortg

  10. Slide 10: Expected Credit Loss

    Expected Credit Loss Expected Credit Loss Unit: Million Baht Allowance for ECL Unit: Million Baht TFRS 9 Coverage Ratio Coverage Ratio Excess Reserve General Provision Expected Credit Loss (ECL) Specific Provision 10

  11. Slide 11: Funding

    Funding Total Funding Unit: Million Baht -0.2% QoQ -9.3% YTD Unit : Million Baht 2019 2Q20 3Q20 % QoQ % YTD Current 2,638 2,762 2,580 (6.6) (2.2) Savings 37,802 43,690 44,138 1.0 16.8 Fixed Deposits 175,645 153,727 158,038 2.8 (10.0) Short-Term Bill of Exchanges 37 37 37 - - Senior Debentures 18,300

  12. Slide 12: Non-Interest Income

    Non-Interest Income Non-Interest Income from Core Businesses Non-Interest Income from Core Businesses Breakdown Unit: Million Baht Data for 9M2020 -12.8% YoY +16.2% QoQ -14.1% YoY Unit : Million Baht 3Q19 2Q20 3Q20 % QoQ % YoY 9M19 9M20 % YoY Banking Fee 1,097 668 829 24.1 (24.5) 3,216 2,473 (23.1)

  13. Slide 13: Asset Management Business

    Asset Management Business +0.3% QoQ +5.8% YTD TISCO Asset Under Management Unit: Million Baht Rank #1 +1.1% QoQ Provident Fund +2.6% YTD +6.8% QoQ -1.3% YTD Rank #13 Mutual Fund -0.6% QoQ -3.1% YTD Rank #8 Rank #5 Private Fund *Remark: Market Share and Rankings as of August 2020 13

  14. Slide 14: Brokerage Business

    Brokerage Business TISCO Trading Volume & Market Share Unit: Million Baht TISCO Trading Volume by Customers 14

  15. Slide 15: Operating Expenses

    Operating Expenses Operating Expenses Unit: Million Baht -14.5% YoY Cost to Income Ratio +14.7% QoQ -9.6% YoY Unit : Million Baht 3Q19 2Q20 3Q20 % QoQ % YoY 9M19 9M20 % YoY Empl oyees ' Expens es 1,579 1,153 1,409 22.1 (10.8) 4,785 3,901 (18.5) Premi s es & Equipment Expens es 333 322 314 (2.6) (5.7

  16. Slide 16: Capital Adequacy

    Capital Adequacy Capital Adequacy Ratio of TISCO Bank Unit: Million Baht *Remark: Projected figures Risk-Based Capital Exposure 2Q20 3Q20 16

  17. Slide 17: Employees and Branch Network

    Employees and Branch Network Total Employees Total Branch Network 17

  18. Slide 18: 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

  19. Slide 19: O)SiL

    O)SiL

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