TISCO Financial Group Public Company Limited

SET Opportunity Day

February 19, 2018

Company Profile

Background� Founded in 1969 as the first investment bank in Thailand

� The first to introduce hire purchase financing product to

retail clients in 1973

� One of the founding member of the Stock Exchange of

Thailand

� Upgraded to full-service commercial bank in 2005

� Restructured into holding company structure in 2008

� Joint venture with Japanese partner to establish TISCO

Tokyo Leasing in 2008

� Expanded Microfinance through the brand “Somwang” in

2014

� Completed the transfer of retail banking business from

Standard Chartered Bank (Thai) on October 1, 2017

� Obtained current client base up to 1.2 million accounts

Business Model “Selective Focus” universal bank

CG Scoring Excellent

Credit Rating A- (Stable)

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Key Metrics

Unit: Million Baht 2016 2017

Total Assets 271,272 303,388

Total Loans 224,934 251,384

Total Funding Deposits 218,073 245,202

Capital Ratio (BIS %) 19.6 20.7

Market Capitalization 48,239 70,857

Share Capital Information

Share Summary

Total shares 800,655,483

Ordinary shares 800,645,624

Preferred shares 9,859

Share Movement (1 Jan – 31 Dec 2017)

High (Baht) 92.00

Low (Baht) 59.75

Average (Baht) 75.08

Par value (Baht) 10.0

Market capitalization (Baht, MM) 70,857

Foreign limit (%) 49.0%

Free float (%) 77.4%

Dividend Payout (%) 56.0%

Data as of 2017

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Group Business Mix

Revenue ContributionLoan Composition

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Unit : Million Baht 2015 2016 2017 % YoY

Net Interest Income 10,130 10,920 11,655 6.7

Non-Interest Income* 5,963 5,837 6,848 17.3

Income 16,093 16,757 18,503 10.4

Operating Expense* (5,527) (6,541) (7,761) 18.7

PPOP 10,566 10,216 10,742 5.1

Provisions (5,277) (3,972) (3,098) (22.0)

Pre Tax Profit 5,288 6,244 7,644 22.4

Net Profit 4,250 5,006 6,090 21.7

ROAE (%) 15.8 16.9 18.5

Group Performance

Remark: * Net of expense from business promotion relating to the business

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ROAE remained strong,

maintaining top-tier in

the industry

ROAE remained strong,

maintaining top-tier in

the industry

TISCO reported strong

Net Profit from the ability

to generate income from

all businesses and lower

credit cost.

TISCO reported strong

Net Profit from the ability

to generate income from

all businesses and lower

credit cost.

Balance Sheet

LiabilitiesLiabilities

Unit: Million BahtUnit: Million Baht

Assets Assets

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LoansLoans

Unit: Million Baht

� Loan grew by 11.8% (YoY) following

the acquisition of retail banking

business from SCBT

� Loan grew by 11.8% (YoY) following

the acquisition of retail banking

business from SCBT

+ 11.8% YOY + 12.0% YOY

+ 11.8% YOY

Net Interest Income

� Net interest income increased

from the change in loan mix to

high-yield products, and effective

cost management.

� NIM remained strong since 2016.

� Net interest income increased

from the change in loan mix to

high-yield products, and effective

cost management.

� NIM remained strong since 2016.

Unit: Million Baht

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+ 6.7% YOY

Non-interest Income

Non-interest income increased following:� Strong banking fee from bancassurance business.

� Significant improvement in asset management fee from

AUM growth and improved capital market.

� Higher market share in brokerage business

� Recorded underwriting service fee from investment

banking business

� Received dividend income from investment and

extraordinary performance and incentive fee

Non-interest income increased following:� Strong banking fee from bancassurance business.

� Significant improvement in asset management fee from

AUM growth and improved capital market.

� Higher market share in brokerage business

� Recorded underwriting service fee from investment

banking business

� Received dividend income from investment and

extraordinary performance and incentive fee

Unit: Million Baht

Remark: * Net of income and expense from business promotion relating to the business

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+ 17.3% YOY

Asset Quality

Unit: Million Baht

� NPL ratio improved resulting from the

improved credit quality in overall loan

portfolio, as well as the effective credit

control.

� NPL ratio improved resulting from the

improved credit quality in overall loan

portfolio, as well as the effective credit

control.

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� Credit expense to average loan continued

to decline resulting from improved credit

quality of loan portfolio.

� Credit expense to average loan continued

to decline resulting from improved credit

quality of loan portfolio.

Capital Adequacy

Unit: Million Baht

� Strong capital adequacy with BIS ratio

at 20.7% and Tier I ratio at 16.0%

� Adequate capital base for future

growth opportunity.

� Strong capital adequacy with BIS ratio

at 20.7% and Tier I ratio at 16.0%

� Adequate capital base for future

growth opportunity.

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Branch Network & Employees

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Q & A

TISCO Financial Group Public Company Limited

48/49 TISCO Tower, North Sathorn Road

Silom, Bangrak, Bangkok 10500

Thailand

Tel: +66-2-633-6868

Fax: +66-2-633-6855

Email: ir@tisco.co.th

Website: www.tisco.co.th

Investor Relations

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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.

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