TISCO Financial Group Public Co., Ltd.

[Pages:20]TISCO Financial Group Public Co., Ltd.

Analyst Meeting 3Q2021

October 14, 2021

Consolidated Income Statements

Unit : Million Baht Interest Income Interest Expenses Net Interest Income Fee & Service Income Fee & Service Expenses Other Operating Income Total Non-Interest Income Total Income Operating Expenses PPOP Credit Expenses / ECL Pre-tax Profit Income Tax Net Profit EPS (Baht) ROAE (%)

3Q20 4,082 (830) 3,252 1,368 (88) 164 1,443 4,696 (2,082) 2,614 (605) 2,009 (397) 1,612 2.01 17.4

2Q21 3,754 (605) 3,149 1,355 (130) 341 1,566 4,715 (2,070) 2,644 (565) 2,079 (413) 1,666 2.08 16.9

3Q21 % QoQ % YoY 9M2020 9M2021 % YoY

3,644 (2.9) (10.7) 12,757 11,174 (12.4)

(551) (8.9) (33.6)

(2,919) (1,822) (37.6)

3,093 (1.8) (4.9)

9,838

9,352

(4.9)

1,213 (10.5) (11.3)

4,015

4,303

7.2

(85) (34.5) (2.6)

(251)

(408) 62.6

(43) (112.5) (126.0)

368

746 103.1

1,085 (30.7) (24.9)

4,132

4,642

12.3

4,178 (11.4) (11.0) 13,970 13,994

0.2

(1,968) (4.9)

(5.5)

(5,892) (6,103)

3.6

2,209 (16.4) (15.5)

8,078

7,891

(2.3)

(254) (55.0) (58.0)

(2,560) (1,652) (35.5)

1,955 (6.0) (2.7)

5,518

6,238

13.0

(395) (4.5)

(0.7)

(1,091) (1,248)

14.4

1,560 (6.3) (3.2)

4,427

4,990

12.7

1.95

5.53

6.23

16.2

15.3

16.9

2

Assets and Liabilities

Unit: Million Baht

Assets

-4.4% -11.2%

QoQ

YTD

Unit: Million Baht

Liabilities

-5.9% -13.0%

QoQ

YTD

Unit : Million Baht 2020

2Q21

3Q21 % QoQ % YTD

Loans

224,812 213,995 204,408

Allowance

(11,826) (12,541) (11,975)

Investments*

12,126

9,690 13,143

Interbank & MM 38,212 32,483 27,077

Other Assets

12,119 12,261 11,982

Total Assets

275,443 255,888 244,635

*Investments since 2020 included Financial Assets measured at FV to PL

(4.5) (4.5) 35.6 (16.6) (2.3) (4.4)

(9.1) 1.3 8.4

(29.1) (1.1)

(11.2)

Unit : Million Baht 2020

Deposits & Borrowings Interbank & MM Subordinated Debentures Other Liabilities

209,679 5,808 6,620

13,875

Total Liabilities 235,981

Retained Earnings 28,596

Total Equities

39,462

2Q21

189,237 7,928 6,620

14,247 218,032

26,995 37,856

3Q21 % QoQ

177,135

(6.4)

7,597

(4.2)

6,640

0.3

13,852

(2.8)

205,224

(5.9)

28,557

5.8

39,410

4.1

% YTD

(15.5) 30.8 0.3 (0.2)

(13.0) (0.1) (0.1)

3

Loan Portfolios

Unit: Million Baht

Total Loans

-4.5% -9.1%

QoQ

YTD

Retail Loans

Loans by sectors

Corporate Loans SME Loans

-4.2%

QoQ

-9.3%

YTD

-4.8%

QoQ

-7.0%

YTD

-10.1%

QoQ

-13.9%

YTD

4

Retail Loan Portfolio Breakdown

Unit: Million Baht

-5.3% QoQ -11.0% YTD

-2.3% QoQ -3.8% YTD

-1.4% QoQ +2.8% YTD

-1.8% QoQ -6.4% YTD

-3.2% QoQ -10.9% YTD

-4.2% QoQ -9.3% YTD

5

TISCO Auto Cash

Unit: Million Baht

Auto Cash Loans

Loan Generated through Somwang channel

Somwang Loans vs NPLs

Unit: Million Baht

Auto Cash -1.8% -6.4%

QoQ

YTD

Somwang -0.2% -3.9%

QoQ

YTD

Somwang Branches

6

Industry Car Sale & Penetration Rate

Units 110,000

Industry New Car Sale

80,000

50,000

20,000 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

TISCO's Auto HP Penetration Rate

TISCO's Penetration Rate (%)

Industry Car Sale (`000 units)

Industry Car Sale

+2.4%

8M YTD

7

Interest Income & NIM

Net Interest Income

Unit: Million Baht

-5.0%

YoY

Yield on Loans Loan Spread

-1.8% -4.9%

QoQ

YoY

Cost of Funds

Loan Spread NIM

8

 ................
................

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download