Bank of Ayudhya PCL Invest ASEAN 2 March Make Life Simple เร องเง น เร องง าย

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1 Bank of Ayudhya PCL Invest ASEAN 2 March 2013 Make Life Simple เร องเง น เร องง าย

2 Thailand Economic outlook Key Economic Forecasts %Change Forecast* GDP Private Consumption Private Investment Exports (%chg. In USD terms) Headline Inflation Policy Interest Rate (%, end of period) *Source: 2013 forecast by Krungsri Research Thai Economy: Growth momentum of the economy is expected to be sustained in 2013 Government investment projects Robust consumer spending Investment from renewed capital expenditure cycles Moderate rebound in exports Policy rate at 2.75% 2

3 Structure of Thai Financial Sector Size of Thai Financial Markets (% of GDP) Bank Thai Financial Institutions No. Commercial Bank 16 Registered In Thailand Foreign Banks (Full Branches) 15 Finance Companies 2 Credit Foncier Companies 3 Deposits Loans Equities Domestic (Market Cap.) Bond (at par) Mutual Fund Source : Bank of Thailand, NESDB 3

4 Our History of Growth Acquisitions & Organic Growth Feb 2008 Apr 2009 Nov 2009 Q Total Asset Size (Dec 07) THB Bn Acquired GE Auto THB USD$2.6Bn Acquired AIG Group THB USD$0.7Bn Acquired GE Money(Thailand) USD$1.9Bn THB Bn Acquired HSBC (Retail Portfolio) USD$440MM THB Bn 1H2007 2H2007 1H2008 2H2008 1H2009 2H2009 1H2010 2H H2012 Jan 2007 Sep 2009 Year 2010 Krungsri & GE JV Acquired CFG USD$64.9MM THB 2.00 Bn One KRUNGSRI Integration Total Asset Size (Dec 12) THB 1.07 Trillion 4

5 Well-Balanced Portfolio Corporate SME Retail 2010 THB Billion % THB Billion +15.4% 2012 THB Billion 28% 27% 45% 28% 27% 45% 25% 26% 49% Growth in 2012 Retail +24.2% SME +12.6% Corporate +3.7% Retail Auto HP 24% Mortgage 13% Credit Card & 12% Personal Loans 5

6 What we have built Loan Growth NPL Ratio Sector NIM Sector ROE Sector Sector 6

7 Krungsri 2012 Delivery : E-Business Group Online Users No. of usages (Internet Banking) Million Users No. of TXN (Million) No. of TXN Vol. (Million Baht) % of total CASA 60% +75% % +55% 157, , , SMS Banking +1,600,000 Users Internet Banking +600,000 Users Mobile Banking +300,000 Users Social Networks +350,000 Users Website 600,000 Visitors 5 MM Pageview/month 7

8 Krungsri 2012 Delivery : Branch Refurbishment.>

9 Bank of Ayudhya at a Glance Global Ranking SET Ranking Thai Banks Ranking 1,443 Forbes The Global 2000 Sales, Profits, Assets and Market Capitalization 14 Market Capitalization : THB 197.4bn* 5 Commercial Banks by Assets, and Loans Leadership Position As of Dec 2012 Consumer Market Position SME 26% Retail 48% Corporate 26% % Share Personal Loan 1 28% Credit Card 1 19% Auto (HP) 2 17% SME 5 23% 8% 13% 12% Corporate 5 7% Shareholding Structure (as of 6 Sep 2012) * GE 33% Ratanarak Group 25% Free Float 42% * Stock Exchange of Thailand (28 December 2012) Note : * GE announced the sales of 7.6% stake on September 26,

10 We are #1 in Consumer Finance Krungsri Consumer AYCAP GCS KCC TCS AYCS Established in 1994 Start up with SF and continues product development 2in1 3in1 4in1 Strategic partner with Central Department Store since 1998 Central Card MSA will expire in May 15 Established in 2001 Partner with Home Product in 2005 Acquired 500K of HSBC Card in 2012 JV with Ek-Chai Distribution in Years of strong relationship BAY acquired AIG Card (Thailand) in 2009 Contract renewal to exclusively issue AIA cobranded card in 2011 Total Account 2.0MM Receivables THB 26.6 BN Total Account 1.2MM Receivables THB 14.6 BN Total Account 1.7MM Receivables THB 28.9 BN Total Account 0.8MM Receivables THB 11.5 BN Total Account 0.28MM Receivables THB 5.2 BN FC Branches 26 Dealers 10K CDS Branches 15 BUs Branches 199 BAY Branches 601 HP Branches 53 Tesco Branches 1.4K AIA Policyholders 5MM AIA Agents 80K BAY Personal Loan EDC Business Fastest Growth in Installment Loan Market Total Account 0.17MM Receivables THB 16.4 BN No.3 in terms of #EDC First to launch mpos Total OS EDC 19,588 TY Volume THB 57.0 BN 10

11 Leadership in Auto Hire Purchase Leading Position in automobile hire purchase business in Used Car Financing in Overall Auto Hire Purchase 20 Years of Strong Track Record Good Asset Quality Well diversified portfolio Best Practices from GE Group A+ Rating, Stable Outlook by TRIS Rating (Thailand) No. 1 Top of Mind in auto finance market, awarded by Superbrands Thailand 2011 and 2012 Volume Loan Outstanding Micro Finance : Srisawad Volume (THB Bn) (THB Bn) (THB Bn) % % 52%

12 Krungsri 2012 Delivery : Infrastructure in ,278 ATMs 601 No. of domestic branches 4 Overseas branches 19,588 EDC 74 Exclusive Banking & Business Centers ,000 First Choice Branches + Dealers 240 Micro Finance Branches ,300 Krungsri Auto Branches +Dealers 12

13 Our Vision Top 3 Bank in ROE beyond 2013 To our Shareholders To our Customers To our Employees Return on equity Dividend min. 30% Good corporate governance (CG) best IR services and CG adherence CSR leading CSR organization A leading modern Thai bank with a global perspective that delivers simplicity through genuine relationships No. of Product per Customer To be the employer of choice with employee engagement & satisfaction 13

14 Our 2012 Key Deliveries Performing Loan Growth 17.2%+ 6.4% 2011: 13% CASA 54% 2011: 42% + the right cost L/D++ 103% NIM % 4.33% 2011: 4.5% Balance between NIM% vs growth Fee Income growth Cost-to- Income ratio NPL 2.39% ~10-12% 18.8% 2011: 7.3% Productivity enhancement 50.3% 2011: 49.7% Provision (bps) 137 Coverage 146% 14

15 Our 2013 Focus & Targets. Key Targets Focus Loan growth Deposit NIM% Net fees growth C/I ratio Risk e biz 12%+ ~50% 95-96% CASA L/DD ratio 4.4% 15% < 48% ~2.5% ~150% ~130 NPL% Coverage% Loss (bps) 3MM 50MM 180 MM Accounts Txn Fee income e Vision E-customer base KOL & SMS expansion Mobile & e-wallet development Social network Smart Investments Prioritize (cost vs benefit) Benefit from 2010 to 2012 SGD 163 MM investment SGD ~81.5 MM in 2013 Regional Expansion Laos Myanmar Branch, rep office or partnership in Cambodia or Vietnam COE Operations Technology Sourcing Other support functions Big BANG CHANGE Big BANG-Big impact initiatives Unbanked Krungsri Simple Underbanked & underserved growing income segments 15

16 Contact Investor Relations Department : Telephone : (662) Fax : (662) irgroup@krungsri.com Krungsri Website : Join us!