Tisco Financial Group Public Co. Ltd. · SET:TISCO
Tisco Financial Group Public — 3Q2026 Earnings Presentation
19 slides from Tisco Financial Group Public's earnings presentation, Oct 14, 2026
Slide 1: Analyst Meeting 3Q2026/9M2026
Analyst Meeting 3Q2026/9M2026 TISCO Financial Group Public Co., Ltd. 14 October 2026
Slide 2: Consolidated Income Statements
Consolidated Income Statements Net profit grew supported by an operating income improvement and lower ECL expense Financial Highlights Unit : Million Baht 3Q25 2Q26 3Q26 % QoQ % YoY 9M25 9M26 % YoY 9M2026 Interest Income 4,620 4,431 4,518 2.0 (2.2) 13,794 13,393 (2.9) Interest Expenses (1,192) (907)
Slide 3: Balance Sheet
Balance Sheet Well-managed balance sheet to reflect the economic situations Assets Liabilities Unit: Million Baht Unit: Million Baht 290,702 290,030 296,432 247,325 247,556 253,761 +2.2% +2.5% QoQ QoQ +2.0% +2.6% YTD YTD 81% 81% 80% 89% 89% 87% 2025 2Q26 3Q26 2025 2Q26 3Q26 Deposits & Borrowings Int
Slide 4: Loan Portfolio
Loan Portfolio Loans expanded driven by HP new car, corporate lending and SME inventory financing Total Outstanding Loans Unit: Million Baht Retail Loans 161,507 162,590 162,143 -0.3% QoQ 235,779 235,803 238,493 +1.1% +0.4% QoQ YTD +1.2% YTD 2025 2Q26 3Q26 Corporate Loans 2025 2Q26 3Q26 60,971 58,99
Slide 5: Retail Portfolio
Retail Portfolio Retail portfolio declined led by a slowdown in high-yield businesses while new car HP continued to grow amid car sale expansion Other Other Housing Retail, Housing Retail, Loans, 6.1% Loans, 6.3% 3.5% 3.4% Composition of Retail Loans Auto Cash, Auto Cash, 25.8% HP New 25.5% HP New 2
Slide 6: Domestic Car Sales & Penetration Rate
Domestic Car Sales & Penetration Rate Domestic car sales grew particularly in electric vehicles (EV) following the demand shift Industry New Car Sales Units 8M2026 465,971 90,000 2025 621,166 2024 572,675 50,000 2023 775,780 2022 849,388 10,000 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec TISCO’s
Slide 7: Somwang
Somwang Auto Cash loans declined on the back of cautious lending strategy whereas new branch opening remained suspended Auto Cash Loans Unit: Million Baht 41,720 43,243 43,214 42,026 41,370 36,348 QoQ YTD Total Auto Cash -1.6% -4.3% 83.3% 85.8% 86.8% Loan Generated through bank branches 75.1% Somwan
Slide 8: Loan Spread & NIM
Loan Spread & NIM Loan spread and NIM continued to improve resulting from the gradual repricing of cost of funds Change Change YoY QoQ 7.68% 7.51% 7.51% 7.42% -17 bps 7.34% 7.35% +1 bps Yield on Loans 5.77% 5.88% 5.50% 5.39% 5.45% 5.27% Loan Spread +12 bps +11 bps 4.95% 4.85% 4.82% 4.84% 4.98% 5.00%
Slide 9: Asset Quality
Asset Quality Asset quality remained well-controlled due to cautious lending policy, efficient loan collection and proactive assistance measures Loan Stages Non-Performing Loans Unit: Million Baht Unit: Million Baht Total NPLs NPL Ratio (%) 235,779 235,803 238,493 2.22% 2.35% 2.28% 2.12% 2.01% 2% 2%
Slide 10: Expected Credit Loss
Expected Credit Loss Credit cost for 9M2026 was reported within the normalized target at 1.0% which included the cushion against risks from the Middle East conflict and pressure from rising energy prices Expected Credit Loss Allowance for ECL Unit: Million Baht Unit: Million Baht ECL Expense Credit
Slide 11: Funding Base
Funding Base Efficiently managed funding base to align with loan portfolio expansion Unit: Million Baht 218,962 220,601 221,591 3% 3% 3% +0.4% QoQ +1.2% 83% 82% 81% YTD 14% 15% 16% 2025 2Q26 3Q26 CASA Fixed Deposits Senior Debentures Unit : Million Baht 2025 2Q26 3Q26 % QoQ % YTD Current 1,903 1,830
Slide 12: Non-Interest Income
Non-Interest Income 3Q26 Fee income dropped from banking business, while capital market businesses performed well amid improved trading volume Fees & Service Income from Core Businesses Unit: Million Baht Unit : Million Baht 3Q25 2Q26 3Q26 % QoQ % YoY 9M25 9M26 % YoY 4,538 4,004 Ba nki ng Fee 797 82
Slide 13: Asset Management Business
Asset Management Business Operated under TISCO Asset Management AUMs increased in provident fund and mutual fund businesses 20.5% Provident Fund 19.6% Total Assets Under Management 19.6% Unit: Million Baht 328,042 332,985 337,926 Ranking #1 +1.5% 4.4% QoQ 4.1% 4.1% +3.0% YTD 448,373 446,595 453,303
Slide 14: Securities Brokerage Business
Securities Brokerage Business Operated under TISCO Securities TISCO trading volume and brokerage fee increased thanks to improved market trading volume TISCO Trading Volume & Market Share TISCO Trading Volume TISCO Brokerage Fee Market Share (%) 1.5% 1.6% 1.5% 1.4% 1.2% 1.1% 354,838 322,942 284,376
Slide 15: Operating Expenses
Operating Expenses OPEX increased mainly from employee expenses while remained cautious amid fragile economic backdrop Operating Expenses Cost-to-Income Ratio Unit: Million Baht Cost to Income (%) Cost to Income after Provision (%) 6,718 6,977 51.5% 51.7% 51.7% 51.8% 51.4% +2.8% +3.9% QoQ YoY 2,408
Slide 16: Capital Adequacy
Capital Adequacy Maintained solid capital level and exceeded BOT’s requirement Capital Base of TISCO Bank Unit: Million Baht 41,241 40,588 39,917 38,708 39,402 2023 2024 2025 2Q26 3Q26* Capital Adequacy Ratio 22.3% 20.5% 20.5% 20.6% 20.1% BIS Ratio 18.9% Tier I Ratio 18.7% 18.4% 18.2% 18.0% Min. Req
Slide 17: Employees & Network
Employees & Network Somwang branch opening plan was suspended while focused on increasing existing branch efficiency Total Employees 5,790 5,610 5,496 5,481 5,523 2023 2024 2025 2Q26 3Q26 Total Branch Network 860 856 855 855 52 51 51 51 Bank Branches 698 53 808 805 804 804 Somwang 645 Loan Offices 2
Slide 18: Investor Relations
Investor Relations 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 va
Slide 19: Your Trusted Financial Advisor
Your Trusted Financial Advisor
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