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

Tisco Financial Group Public — Q1 2019 Earnings Presentation

19 slides from Tisco Financial Group Public's earnings presentation, Apr 19, 2019

  1. Slide 1: Financial Result 1Q2019

    TISCO Financial Group Public Co., Ltd. Financial Result 1Q2019 April 19, 2019

  2. Slide 2: Consolidated Income Statements

    Consolidated Income Statements Unit : Million Baht 1Q18 4Q18 1Q19 % QoQ % YoY Interest Income 4,491 4,380 4,390 0.2 (2.3) Interest Expenses (1,244) (1,301) (1,287) (1.0) 3.5 Net Interest Income 3,247 3,079 3,102 0.8 (4.5) Fee & Service Income 1,722 1,583 1,460 (7.7) (15.2) Fee & Service Expenses (63

  3. Slide 3: Assets and Liabilities

    Assets and Liabilities Assets Liabilities Unit: Million Baht Unit: Million Baht -1.5% YTD -2.4% YTD Unit : Million Baht 2017 2018 1Q19 % YTD Unit : Million Baht 2017 2018 1Q19 % YTD Loans - Net 251,384 240,654 241,700 0.4 Deposits & 245,202 241,985 233,606 (3.5) Borrowings Allowance (11,456) (11,674

  4. Slide 4: Loan Portfolios

    Loan Portfolios +0.02% YTD Total Loans Unit: Million Baht +0.4% YTD Retail Loans +3.6% YTD Corporate Loans -3.3% YTD SME Loans 4

  5. Slide 5: Retail Loan Portfolio Breakdown

    Retail Loan Portfolio Breakdown Unit: Million Baht +0.02% YTD +0.5% YTD +1.3% YTD -3.5% YTD -3.3% YTD +5.1% YTD *Remark: Mortgage Loans include Housing Loans and Home-Equity Loans 5

  6. Slide 6: TISCO Auto Cash

    TISCO Auto Cash Auto Cash Loan Outstanding Unit: Million Baht Auto Cash +1.3% YTD Somwang +5.2% YTD Somwang Loan Outstanding vs NPLs Somwang Branches 6

  7. Slide 7: Industry Car Sale & Penetration Rate

    Industry Car Sale & Penetration Rate Industry New Car Sale Units 120,000 100,000 80,000 60,000 40,000 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 Net Interest Income Unit: Million Baht +0.8% QoQ -4.5% YoY 8

  9. Slide 9: Asset Quality

    Asset Quality Non-Performing Loans Unit: Million Baht 2017 2018 1Q19 NPL by Loan Type Million Baht % Million Baht % Million Baht % Corporate - - - - 278 0.8 SME 188 1.2 112 0.8 107 0.7 Hire Purchase 3,548 2.6 3,845 2.8 3,732 2.7 Mortgage 1,388 5.6 1,345 6.6 1,431 7.3 Auto Cash 663 2.4 1,564 4.9 1,73

  10. Slide 10: Provisions

    Provisions Provision Expense & Credit Cost Unit: Million Baht Minimum Required Provision vs Actual Provision Unit: Million Baht 10

  11. Slide 11: Funding

    Funding Total Funding Unit: Million Baht -3.5% YTD Unit : Million Baht 2017 2018 1Q19 % YTD Current 3,785 2,484 2,394 (3.6) Savings 64,544 54,684 47,371 (13.4) Fixed Deposits 112,474 135,941 150,218 10.5 Short-Term Bill of Exchanges 7,477 5,877 37 (99.4) Senior Debentures 56,922 43,000 33,585 (21.9)

  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 3M2019 -7.4% QoQ -14.4% YoY Unit : Million Baht 1Q18 4Q18 1Q19 % QoQ % YoY Ba nki ng Fee 1,131 1,187 1,059 (10.8) (6.4) As s et Ma na gement Ba s i c Fee 385 33

  13. Slide 13: Asset Management Business

    Asset Management Business +0.6% YTD TISCO Asset Under Management Unit: Million Baht Rank #2 Provident Fund +2.4% YTD +5.1% YTD Rank #14 Mutual Fund +6.5% YTD Rank #8 Rank #5 Private Fund 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 Cost to Income Ratio +7.9% QoQ +0.9% YoY Unit : Million Baht 1Q18 4Q18 1Q19 % QoQ % YoY Empl oyees ' Expens es 1,459 1,431 1,671 16.8 14.5 Premi s es & Equi pment Expens es 292 316 307 (2.8) 5.3 Ta xes & Duti es 81 73 75 2.1 (7.5) Other Expens

  16. Slide 16: Capital Adequacy

    Capital Adequacy Capital Adequacy Ratio of TISCO Bank Unit: Million Baht *Remark: Projected Figures Risk-Based Capital Exposure 2018 1Q2019 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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