TISCO Financial Group Public Co., Ltd.
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1 TISCO Financial Group Public Co., Ltd. Analyst Presentation 4Q09 & FY09 Results 14 January 2010 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 various factors. TISCO accepts no liability whatsoever with respect to the use of this document of its content. 1
2 Agenda I Achievements II. Financial Performance III.Operational Updates 2
3 Major Business Developments Announced new holding company structure Acquired Primus Celebrated TISCO 40 th anniversary Acquired HP portfolio of GMAC Partnered w/ Chevrolet in providing floor-plan financing 2009 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Issued Bt 2bn tier II subordinated debt tranche #1 Issued Bt 2bn tier II subordinated debt tranche #2 Entered into Basel II - IRB 3
4 Financial Highlights Loan Growth Fee Income from Core Businesses Loan Growth Organic Loan Growth Fee Income (Million Baht) % Fee Income Growth 15.8% 15.8% 19.3% 19.3% YoY QoQ YoY QoQ 11.3% 15.2% 21.5% 34.4% 18.5% 13.8% 3.2% 7.0% 2, % 9.8% 2, % 2, % 4.1% 1.2% 3.1% % 0.5% Q09 2Q09 3Q09 4Q09 Profitability Ratios ROAA ROAE Q09 2Q09 3Q09 4Q09 Asset Quality Ratio Total NPL (Million Baht) % NPL 13.2% 14.4% 16.7% 15.7% 17.5% 17.7% 17.1% 4.3% 3, % 2.9% 2.5% 2.8% 2.6% 2.5% 2,984 2,807 3,037 3,196 2,903 2, % 1.5% 1.5% 1.4% 1.5% 1.6% 1.5% Q09 2Q09 3Q09 4Q Q09 2Q09 3Q09 4Q09 4
5 Awards and Recognitions Best Managed Companies Award for small cap company in Thailand by AsiaMoney Magazine Best Bank in Thai Baht Corporate Bonds 2009 by The Asset Magazine Excellent CG Scoring by The National CG Committee, Thai Institute of Directors (IOD) supported by SET and SEC A Finalist for SET Awards 2009 Best CSR Award 5
6 Agenda I Achievements II.Financial Performance III.Operational Updates 6
7 Consolidated Financial Summary Unit: Million Baht 4Q08 3Q09 4Q09 %QoQ %YoY %YoY Interest income 1,965 2,128 2, ,586 8, Interest expense (976) (529) (509) (4.0) (47.9) (3,424) (2,492) (27.2) Net interest income 989 1,598 1, ,162 5, Non-interest income ,134 2, Operating expense (838) (1,264) (1,235) (2.2) 47.4 (3,234) (4,461) 37.9 PPOP 401 1,067 1, ,062 4, Provisions (140) (318) (584) (981) (1,548) 57.9 Pre-tax profit (2.6) ,082 2, Income tax 132 (233) (206) (11.8) (256.0) (361) (840) Net profit ,714 1, Diluted EPS (Baht)
8 Consolidated Financial Summary Unit: Million Baht 4Q08 3Q09 4Q09 %QoQ %YoY %YoY Interest income 1,965 2,128 2, ,586 8, Interest expense (976) (529) (509) (4.0) (47.9) (3,424) (2,492) (27.2) Net interest income 989 1,598 1, ,162 5, Non-interest income ,134 2, Operating expense (838) (1,264) (1,235) (2.2) 47.4 (3,234) (4,461) 37.9 PPOP 401 1,067 1, ,062 4, Provisions (140) (318) (584) (981) (1,548) 57.9 Pre-tax profit (2.6) ,082 2, Income tax 132 (233) (206) (11.8) (256.0) (361) (840) Net profit ,714 1, Diluted EPS (Baht)
9 Interest and Dividend Income Interest Income Performance Interest Income Breakdown Unit: Million Baht 6,944 7,586 8, % YoY 1.6% QoQ Investment Interbank & MM Interbank & MM 2% Loans 15% Investment 7% 74% 75% 76% 1,965 2,128 2,162 74% 77% 77% Loans HP & Finance HP & Finance 76% Q08 3Q09 4Q 09 Unit: Million Baht 4Q08 3Q09 4Q09 %QoQ %YoY % YoY Hire purchase & fin lease interests 1,462 1,633 1, ,680 6, Loans interests (5.5) 1,215 1, Interbank & MM interests (75.3) (55.0) Investments (8.2) Total interest income 1,965 2,128 2, ,586 8,
10 Loans Portfolio Loan Growth 13.8%YoY 116, , %QoQ 103,110 86,420 Other Loans 77% 75% 75% 75% Hire Purchase Corporate Loan 18% 19% 19% 17% Q09* 2009* *Including Primus & GMAC Hire Purchase Loan SME Lending Loan Breakdown Others 5% Housing 1% Hire Purchase 77% Manufacturing & commerce 9% Corporate Lending Real estate & construction 6% Public utilities & services 3% Agricultural & mining 0% 17.4%YoY 166.8%YoY 16.6%YoY 3.3%QoQ 50.7%QoQ 22.8%QoQ 64,684 77,287 87,885 90, Primus & GMAC Dealers 2,477 MB 1,746 3,076 4,634 14,937 17,837 19,270 14, Q09* 2009* *Including Primus & GMAC Q Q
11 Hire Purchase Business TISCO New HP Business Value (Million Baht) Volume (Units) HP Portfolio Breakdown Used cars, 18% 82,793 90,290 90,316 37,017 41,449 41,975 20,584 9,341 22,613 10,457 21,165 25,954 9,878 12,299 New cars, 82% Q09 2Q09 3Q09 4Q09 Industry Car Sales and TISCO Penetration Rate No. of Car Sales (Thousand Units) Penetration Rate (%) Provincial, 55% Bangkok, 45% % 13.5% 11.2% 10.5% Others, 4% 9.4% 10.2% 12.2% Pick-up, 48% Passenger, 48% M09 1Q09 2Q09 3Q09 Oct- Nov09 11
12 Consolidated Financial Summary Unit: Million Baht 4Q08 3Q09 4Q09 %QoQ %YoY %YoY Interest income 1,965 2,128 2, ,586 8, Interest expense (976) (529) (509) (4.0) (47.9) (3,424) (2,492) (27.2) Net interest income 989 1,598 1, ,162 5, Non-interest income ,134 2, Operating expense (838) (1,264) (1,235) (2.2) 47.4 (3,234) (4,461) 37.9 PPOP 401 1,067 1, ,062 4, Provisions (140) (318) (584) (981) (1,548) 57.9 Pre-tax profit (2.6) ,082 2, Income tax 132 (233) (206) (11.8) (256.0) (361) (840) Net profit ,714 1, Diluted EPS (Baht)
13 Spread and Margin Yield on Loans and Cost of Funds Yield on loan Cost Q09 2Q09 3Q09 4Q09 Loan Spread and Net Interest Margin Loan spread NIM Q09 2Q09 3Q09 4Q09 13
14 Consolidated Financial Summary Unit: Million Baht 4Q08 3Q09 4Q09 %QoQ %YoY %YoY Interest income 1,965 2,128 2, ,586 8, Interest expense (976) (529) (509) (4.0) (47.9) (3,424) (2,492) (27.2) Net interest income 989 1,598 1, ,162 5, Non-interest income ,134 2, Operating expense (838) (1,264) (1,235) (2.2) 47.4 (3,234) (4,461) 37.9 PPOP 401 1,067 1, ,062 4, Provisions (140) (318) (584) (981) (1,548) 57.9 Pre-tax profit (2.6) ,082 2, Income tax 132 (233) (206) (11.8) (256.0) (361) (840) Net profit ,714 1, Diluted EPS (Baht)
15 Consolidated Financial Summary Unit: Million Baht 4Q08 3Q09 4Q09 %QoQ %YoY %YoY Interest income 1,965 2,128 2, ,586 8, Interest expense (976) (529) (509) (4.0) (47.9) (3,424) (2,492) (27.2) Net interest income 989 1,598 1, ,162 5, Non-interest income ,134 2, Operating expense (838) (1,264) (1,235) (2.2) 47.4 (3,234) (4,461) 37.9 PPOP 401 1,067 1, ,062 4, Provisions (140) (318) (584) (981) (1,548) 57.9 Pre-tax profit (2.6) ,082 2, Income tax 132 (233) (206) (11.8) (256.0) (361) (840) Net profit ,714 1, Diluted EPS (Baht)
16 Non-Interest Income Non-Interest Income Non-Interest Income Breakdown Unit: Million Baht 2,864 2,357 19% 2,046 31% 23% 44% 22% 21% 54% 22% 57% % 23% 15% 25% 59% 53% % 17% 62% IB fee Brokerage fee AM fee Banking fee Brokerage, 19% AM, 22% Other, 57% Bancassur ance, 16% Others, 41% Q08 3Q09 4Q09 Unit: Million Baht 4Q08 3Q09 4Q09 % QoQ %YoY % YoY Banking fee & other income ,279 1, AM fee (19.6) Brokerage fee IB fee (31.5) Total (excl trading) ,357 2, Trading income (352) (7) (223) Total ,134 2,
17 Asset Management Business TISCO Assets Under Management Unit: Billion Baht 15.2%YoY % 14% 14% 28% 22% 29% % 31% Rank #7 Mutual Fund 58% 64% 58% 57% Private Fund Provident Fund Provident Fund Q Private Fund Mutual Fund Unit: Billion Baht 2.8%YoY Unit: Billion Baht 58.5 %YoY Unit: Billion Baht 2.8% YoY Rank #3 Rank #2 Rank # % 14.7% 13.1% 13.5% 17.6% 17.3% 16.0% 1.1% % 0.9% 0.9% 0.9% Q09 Nov Q09 Nov Q09 Nov
18 Brokerage Business TISCO Trading Volume and Market Share TISCO Volume (Million Baht) Market share (%) 257, , , % 2.9% 2.9% 2.8% 3.0% 3.1% 2.7% 63,638 63,370 66,244 25, * 2009* 1Q09* 2Q09* 3Q09* 4Q09* Remark: * Market share excluding brokers proprietary trading TISCO Trading Volume by Customer Local Institution Foreign Institution Retail Investors 39% 43% 49% 48% 51% 50% 48% 35% 31% 24% 25% 23% 20% 28% 27% 26% 27% 27% 26% 31% 24% * 1Q09* 2Q09* 3Q09* 4Q09* Remark: * Market share excluding brokers proprietary trading 18
19 Consolidated Financial Summary Unit: Million Baht 4Q08 3Q09 4Q09 %QoQ %YoY %YoY Interest income 1,965 2,128 2, ,586 8, Interest expense (976) (529) (509) (4.0) (47.9) (3,424) (2,492) (27.2) Net interest income 989 1,598 1, ,162 5, Non-interest income ,134 2, Operating expense (838) (1,264) (1,235) (2.2) 47.4 (3,234) (4,461) 37.9 PPOP 401 1,067 1, ,062 4, Provisions (140) (318) (584) (981) (1,548) 57.9 Pre-tax profit (2.6) ,082 2, Income tax 132 (233) (206) (11.8) (256.0) (361) (840) Net profit ,714 1, Diluted EPS (Baht)
20 Cost Structure Operating Expenses Structure Cost to Income Ratio Unit: Million Baht 2,948 3,234 4,461 18% 27% 16% Other expenses Directors' remuneration Fees & service exp 51.4% 49.7% 50.4% 44.3% 67.7% 43.8% 48.5% 44.6% Taxes & duties 50% 51% 46% % 1,264 43% 1,235 44% Premises & equip exp Personnel expenses Q08 3Q09 4Q * 4Q08 3Q09* 4Q09 4Q09* * Excluding special provision for NPA under other expenses Unit: Million Baht 4Q08 3Q09 4Q09 %QoQ %YoY %YoY Personnel expenses ,662 2, Premises & equipment exp (1.8) Taxes & duties (8.0) Fees & service expenses (15.0) Directors remuneration Other expenses** (5.8) , Total 838 1,264 1,235 (2.2) ,234 4, Remark: **Including special provision for NPA with an outstanding of 537 million baht as of 31 Dec 09 20
21 Consolidated Financial Summary Unit: Million Baht 4Q08 3Q09 4Q09 %QoQ %YoY %YoY Interest income 1,965 2,128 2, ,586 8, Interest expense (976) (529) (509) (4.0) (47.9) (3,424) (2,492) (27.2) Net interest income 989 1,598 1, ,162 5, Non-interest income ,134 2, Operating expense (838) (1,264) (1,235) (2.2) 47.4 (3,234) (4,461) 37.9 PPOP 401 1,067 1, ,062 4, Provisions (140) (318) (584) (981) (1,548) 57.9 Pre-tax profit (2.6) ,082 2, Income tax 132 (233) (206) (11.8) (256.0) (361) (840) Net profit ,714 1, Diluted EPS (Baht)
22 Assets Quality and Loan Loss Provision NPL and NPL Ratio Unit: Million Baht 4.3% Total NPL % NPL 3, % 2.5% 2.8% 2.9% 2,984 2,807 3,037 3, % 2.5% 2,903 2, Q09 2Q09 3Q09 4Q09 Provision Expenses Required vs Actual Provision Unit: Million Baht Provision % Credit cost Unit: Million Baht Required Provision Actual Provision 1, % % 0.9% Additional general reserve of 461 MB 1.1% % 1.1% % 584 2,806 2,436 2,425 1,855 1,665 1,520 Cushion against volatility & systematic market risk 1,853 1,937 2,052 1,565 1,703 1,689 1,665 2, Q09 2Q09 3Q09 4Q Q09 2Q09 3Q09 4Q09 22
23 NPA and Special Provision NPA and Special Provision for NPA Unit: Million Baht NPA - Property / Real Estate Special Provision 1,041 1, , Q09 2Q09 3Q09 4Q09 23
24 Assets & Liabilities Assets Liabilities Unit: Million Baht 10.0%YoY Unit: Million Baht 10.1%YoY 98, , , , %QoQ 86, , , , %QoQ Other assets Other Liabilities Interbank & MM LT Borrowings 65% 61% 62% 62% Investment Other Retail Loans 79% 88% 87% 88% Interbank 16% 15% 17% 14% Hire Purchase Corporate Loans Deposits & ST Borrowings Q Unit: Million Baht Q %QoQ %YoY Loans 103, , , Allowance (1,855) (2,052) (2,425) Investments 5,355 9,246 9, Interbank & MM 13,591 7,519 12, (6.5) Properties foreclosed 1, (86.8) (95.1) Premises & equip 1,659 1,607 1,559 (3.0) (6.0) Other assets 3,307 4,289 4,186 (2.4) 26.6 Total Assets 126, , , Q Unit: Million Baht Q %QoQ %YoY Deposits & ST borrowings Total Liabilities Revaluation 100, , , Interbank & MM 5,728 6,192 6, LT borrowings 4,899 5,941 5,430 (8.6) 10.8 Other liabilities 3,419 4,118 3,912 (5.0) ,637 (399) 120, ,229 (38) 4.5 (242.0) Total Equity 11,536 12,056 12,
25 Deposits and ST Borrowings Deposits & ST Borrowings Unit: Million Baht 100,591 11% 104, ,507 24% 23% 9.9%YoY 5.7%QoQ 68,459 6% 47% 32% 28% Current & Savings 46% Fixed Deposits 48% 42% 45% 49% ST Borrowings Q Retail Deposits CASA Loans / Deposits & BEs 23.6% 22.9% 126.2% 102.5% 107.0% 102.5% 6.9% 10.8% 18.8% 19.7% 6.2% 11.5% Q Q Q
26 Capital Capital Adequacy Ratio Unit: Million Baht 10,386 10, % 14.50% 11.94% 11.75% 12.54% 11.58% 11.20% 13,782 12, % 14.37% 14, % 15, % 10.13% 17.00% 14.50% 13, Q09 2Q09 3Q09 4Q09 Capital Base BIS Ratio (%) Tier I Risk-Based Capital Breakdown 3Q09 Listed Equity Operational 2.4% Risk Reserve 11.2% SME Lending 5.5% Retail Lending 47.2% Wholesale Lending 5.6% Non-Listed Equity 4.6% FX 0.2% Banking Book(Interest Bearing) 21.1% Fixed-income 0.8% Derivatives 0.0% Property 1.3% 2009 SME Lending 3.8% Listed Equity Operational 10.7% Risk Reserve 10.8% Retail Lending 37.7% Wholesale Lending 5.8% Non-Listed Equity 6.1% FX Property 0.0% 3.8% Banking Book(Interest Bearing) 21.1% Fixed-income 0.1% Derivatives 0.0% 26
27 Interest Rate Risk Duration of Assets and Liabilities Unit: Years Assets Liabilities Duration Gap Q09 2Q09 3Q09 4Q09 27
28 Agenda I Achievements II. Financial Performance III.Operational Updates 28
29 New Products and Services - TISCO Cash M Savings - TISCO Friend-get-Friends - TISCO Auto Cash - Love Mom Savings Campaign - TISCO Special Plus Fund #6 - #12 - TISCO Asia Pacific ex Japan Trigger 15% Fund #3 - TISCO Oil Fund - TISCO Gold Fund - TISCO Special Australia Bond Fund - TISCO Korea Fixed Income Fund #1 - #6 - TISCO Asia Pacific ex-japan Fund - TISCO Master Pooled Fund Concept - TISCO US Equity Fund - TISCO AUD Fixed Income Fund - TISCO Special Bonus Fund - TISCO Asia Pacific ex-japan Retirement Fund - FA & Selling Agent for bonds of TISCO, TTW, PTT and Major - FA & Lead Underwriter - IPO of Toyo-Thai Corporation Plc. (TTCL) - FA & Lead Underwriter - IPO of Stars Microelectronics (Thailand) Plc. (SMT) - Financial Advisor of FIDF for its stake in Siam City Bank - New York Roadshow, in cooperation with Deutsche Bank 29
30 Employee & New Branches Q09 No. of Employee 2,347 2,662 2,865 No. of Branch Bangkok * Upcountry Q09 2, Branch #34 - Ratchadapisek - Huay Khang Remark: * Including Head Office branch Branch #35 - Seacon Square Branch #38 - Siam Paragon Branch #36 - Yaowarat Branch #39 - Central Rama III Branch #40 - The Mall - Bangkae Branch #41 - Worachak Branch #37 - Homework Ratchaphruek Branch #42 - Central Pinklao 30
31 Investor Relations TISCO Financial Group Public Company Limited 48/2 TISCO Tower, North Sathorn Road Silom, Bangrak, Bangkok Thailand Tel: Fax: Website: 31
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