Pt Bank Permata Tbk Class A · IDX:BNLI

Pt Bank Permata Tbk Class A — Q2 2021 Earnings Presentation

40 slides from Pt Bank Permata Tbk Class A's earnings presentation, 2021

  1. Slide 1: Analyst Material Presentation Q2 2021 Financial Result

    ANALYST MATERIAL PRESENTATION Q2 2021 FINANCIAL RESULT

  2. Slide 2: Disclaimer

    DISCLAIMER Laporan ini disusun oleh PT Bank Permata Tbk secara independen dan diedarkan hanya untuk tujuan informasi umum. Hal ini tidak dimaksudkan untuk orang tertentu yang mungkin menerima laporan ini. Informasi dalam laporan ini telah diperoleh dari sumber-sumber yang kami anggap dapat dipercaya

  3. Slide 3: Performance Highlights

    PERFORMANCE HIGHLIGHTS In the midst continuance of COVID-19 pandemic and following the restriction of community activities (PPKM) regulated by Government, PT Bank Permata Tbk ("PermataBank" or "Bank") still booking a positive performance and keep the momentum to increase the performance in second qu

  4. Slide 4: Performance Highlights

    PERFORMANCE HIGHLIGHTS Selective Loan Financing to customers with healthy economic sectors and continue to support debtors affected by COVID- 19 through Loan Restructuring program • In Q2-21, Loan grew by 16.6% yoy to Rp. 120.8 trillion, mostly contributed by Wholesale Banking loan growth of 39.8% a

  5. Slide 5: Performance Highlights

    PERFORMANCE HIGHLIGHTS Strong liquidity is supported by the increase of low-cost funds (CASA) portion and strong capital to support broader business growth • Liquidity was still maintained strong as reflected in the Loan to Deposit Ratio (LDR) of 75.4% at end of Jun 2021, down from last year's posit

  6. Slide 6: Indonesia Macro Economy Condition

    INDONESIA MACRO ECONOMY CONDITION Decreasing interest rate to boost domestic growth Deflationary trend continues in Q2-21 4.0% 5.00% 3.0% 4.75% 2.7% 4.25% 4.00% 4.00% 2.0% 3.75% 2.0% 3.50% 1.7% 7 Days Reverse Repo rate 1.7% 1.4% 1.3% 1.4% 1.6% 1.4% Inflation Jun-20 Jun-21 Apr-20 Apr-21 Dec-19 Dec-20

  7. Slide 7: Bank Permata in Brief

    BANK PERMATA IN BRIEF Year Established 1955 Controlling Shareholders Listing at the Bourse Since 1990 at the Jakarta Stock Exchange and Surabaya Stock Exchange (both merged and now known as the Indonesian Stock Exchange (BEI) Asset ** Rp 213 tn (consolidated) Market Capitalization ** Rp 55 tn  Bang

  8. Slide 8: Network and Branches

    NETWORK AND BRANCHES R10 NORTH & WEST SUMATERA, RIAU ISLANDS Branches : 26 R8 BORNEO Branches : 13 R11 SOUTH SUMATERA Branches : 10 R1-4 JABODETABEKA Branches : 137 R9 BALI, NTB & SULAWESI Branches : 22 R7 EAST JAVA Branches : 31 R5 West Java Branches : 23 R6 CENTRAL JAVA & JOGJAKARTA Branches : 21

  9. Slide 9: Bank Permata Strategic Direction

    BANK PERMATA STRATEGIC DIRECTION                           9

  10. Slide 10: Bank Permata Synergy with Bangkok Bank

    BANK PERMATA SYNERGY WITH BANGKOK BANK Focus Area Synergy between Bank Permata and Bangkok Bank            10

  11. Slide 11: Limited Public Offering/LPO IX Update

    LIMITED PUBLIC OFFERING/LPO IX UPDATE Completed the Limited Public Offering (PUT) IX on July 26, 2021 The total number of class B shares offered to the Bank's shareholders totaling 8,138,620,315 shares, was fully allocated at the request of the shareholders at Rp1,347 per share. There is no changes

  12. Slide 12: Financial Performance

    \ PermataBank FINANCIAL PERFORMANCE

  13. Slide 13: Key Financial Highlights

    KEY FINANCIAL HIGHLIGHTS Jun 2020 Jun 2021 ∆ (%) Loans (Rp Tn) 103.7 → 120.8 +16.6% Gross NPL Ratio 3.7% → 3.3% - 0.43% Net NPL Ratio 1.8% → 1.2% - 0.6% NPL Coverage Ratio 111.9% → 218.0% +106.1% CASA Ratio 52.1% → 51.6% - 0.4% [CASA (Rp Tn)]* 64.8 → 80.3 +24.0% LDR 80.7% → 75.4% - 5.2% NIM 4.5% → 4

  14. Slide 14: Income Statements

    INCOME STATEMENTS (in IDR bn) Jun-21 Jun-20 YoY Q2-21 Q1-21 QoQ Net Interest Income 4,028 3,162 27% 2,032 1,996 2% Non Interest Income 930 990 -6% 544 386 41% Revenue 4,958 4,152 19% 2,576 2,382 8% Operating Expense 2,615 2,438 7% 1,304 1,311 -1% Pre Provision Operating Profit 2,343 1,714 37% 1,272

  15. Slide 15: Balance Sheets

    BALANCE SHEETS (in IDR tn) Jun-21 Jun-20 YoY Dec-20 YTD Cash 1.6 1.8 -13.5% 1.8 -11% Placement with Bank Indonesia 31.8 16.2 97.0% 23.2 37% Placement with Other Banks 6.4 5.5 15.9% 3.7 72% Marketable Securities * 48.3 22.6 113.1% 46.6 3% Loans (gross) 120.8 103.7 16.6% 118.1 2% Allowance for Loan Im

  16. Slide 16: Financial Ratios

    FINANCIAL RATIOS (in %) Jun-21 Jun-20 ∆ CET-1 ratio 26.9 20.2 6.7 Total CAR 35.4 21.3 14.2 Loan to Deposit Ratio (LDR) 75.4 80.7 -5.2 CASA Ratio 51.6 52.1 -0.4 ROA 1.0 0.9 0.1 ROE 3.9 3.5 0.5 BOPO 86.0 89.4 -3.4 CIR 52.7 57.5 -4.8 NIM 4.4 4.5 -0.1 NPL Gross 3.3 3.7 -0.4 NPL Net 1.2 1.8 -0.6 NPL Cove

  17. Slide 17: Sustainable Loan Growth During Pandemic

    SUSTAINABLE LOAN GROWTH DURING PANDEMIC Loan +16.6% YOY (as of June 2021) 120.6 118.0 117.5 103.4 102.7 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Loan By Currencies Loan By Type 22% 13% IDR Conventional 78% 87% Sharia FCY Source : Published and Management Report (Bank Only) 17

  18. Slide 18: Better Asset Quality Amidst Pandemic

    BETTER ASSET QUALITY AMIDST PANDEMIC - 43 bps YOY 5.0% 4.0% 3.6% 3.7% 3.8% 3.3% 3.2% 3.3% 2.8% 2.9% 2.9% 3.0% Gross NPL 1.8% 2.0% 1.3% 1.3% 1.5% 1.2% 1.2% 1.2% Net NPL 1.0% 1.0% 1.0% 0.0% Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Loan by Collectability* (% to total Loan) NPL Cov

  19. Slide 19: Restructured Loan Due to COVID-19, as of June 2021

    RESTRUCTURED LOAN DUE TO COVID-19, AS OF JUNE 2021 • As of June 2021, a total restructuring exposure (incl. ex-BBI debtors) of IDR 11.8tn (or 9.7% of portfolio) have been approved by the bank. • Bank Permata also receive Loan Restructured from ex-BBI Debtors during Integration Process (Dec-20), amou

  20. Slide 20: Strong Deposit Composition

    STRONG DEPOSIT COMPOSITION Deposit by Currencies (Jun-21) 54.4 52.1 51.2 51.6 50.8 CASA Ratio (%) FCY, 17% +25.0% YOY IDR, 83% 160.0 145.6 149.2 155.6 140.0 133.3 124.5 120.0 75.3 71.1 68.0 100.0 65.7 Deposit by Types (Jun-21) 59.7 80.0 60.0 Sharia 40.0 74.5 81.1 80.3 64.8 67.7 14% 20.0 - Conventi J

  21. Slide 21: Sustainable Level of NIM & Overall Yield

    SUSTAINABLE LEVEL OF NIM & OVERALL YIELD 10.0% 8.4% 8.4% 8.4% 8.1% 7.9% 7.6% 7.7% 8.0% 6.3% 6.2% 6.0% 4.7% 4.6% 4.6% 4.0% 3.9% 3.8% 3.7% 4.4% 4.0% 4.7% 4.4% 4.6% 4.5% 4.4% 2.6% 4.5% 4.2% 4.2% 2.0% 2.5% 0.0% Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Yield of Interest Earning Asse

  22. Slide 22: Expanding New Revenue for Non Interest Income

    EXPANDING NEW REVENUE FOR NON INTEREST INCOME 990 930 99% 113% 45% 12% 7% 434 -14% -67% 260 -6% 191 214 142 106 122 73 54 58 44 87 72 62 Net Gain on Mktbl Loan Related Fees Trade Finance Bancassurance Security Agency & Credit Card & E- Others Total Non Interest Securities, Spot Investment Channel In

  23. Slide 23: Manageable Operating Expenses

    MANAGEABLE OPERATING EXPENSES 2,615 2,438 15% YOY Growth 1,304 1,376 13% 10% 7% Jun-20 6% 713 805 Jun-21 49 56 166 182 207 196 -6% Staff Cost Marketing & Information Depreciation and Others Total Operating Promotion Technology amortization Expenses Cost to Income Ratio* Operation Efficiency Ratios*

  24. Slide 24: Strong and Robust Capital Position

    STRONG AND ROBUST CAPITAL POSITION 35.7% 35.2% 35.4% CAR (%) 26.6% 26.9% CET-1 (%) 21.3% 21.6% 26.9% 20.2% 20.5% YOY Growth 41,451 42,273 42,819 91% 21,848 22,165 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Tier-1 Capital (IDR Bn.) Description Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 YOY Growth RWA - Credit 92,530

  25. Slide 25: Business Updates

    \/ PermataBank BUSINESS UPDATES

  26. Slide 26: Focus of Wholesale Banking Segment

    FOCUS OF WHOLESALE BANKING SEGMENT 26

  27. Slide 27: Retail Banking Strategy

    RETAIL BANKING STRATEGY WW PermataBank Customer Scale up Digital adoption focused Retail Business everywhere Build quality and Operational Data driven profitable businesses excellence decision making

  28. Slide 28: Retail Banking Capabilities

    RETAIL BANKING CAPABILITES We launched many exciting digital capabilities to provide banking needs during pandemic and accelerate digital adoption in all front 28

  29. Slide 29: Focus of Shariah Banking

    FOCUS OF SHARIAH BANKING Leading the Shariah market with strong and unique value proposition Penetrate target market via most effective and efficient distribution channels Wy PermataBank\V Strengthen our Shariah governance, risk management and productivity

  30. Slide 30: Shariah Banking Initiatives

    SHARIAH BANKING INITIATIVES Established New Model Branch in Al Azhar, Jakarta which set new industry standard Launching new innovative products to address market needs Deliver a series of Interactive Webinars with beneficial knowledge regarding UPZ PermataBank Syariah financial and non-financial mat

  31. Slide 31: Digital Banking Capabilities

    DIGITAL BANKING CAPABILITIES DIGITAL SELF SERVICE CHANNEL OF BANK PERMATA IS AS FOLLOWS: 905 31

  32. Slide 32: New Model Branches of Bank Permata

    NEW MODEL BRANCHES OF BANK PERMATA TRANSFORMING BRANCHES TO BE MORE SALES-ACQUISITION, WITH MORE SOPHISTICATED PRODUCT 32

  33. Slide 33: Other Information

    \/ PermataBank OTHER INFORMATION

  34. Slide 34: Stock Information

    STOCK INFORMATION Share Price (IDR) 3500 Trading vol 3200 (Thou. unit) 700 3060 2980 3000 2900 2590 2690 600 2440 2430 2500 2300 2210 2190 2220 2240 500 2370 2050 2250 1945 2000 2050 2070 2100 2040 400 1500 1,315 1,290 1320 1260 1,275 300 1,205 1,035 1,255 1265 1000 1130 995 200 500 100 0 - Dec-19 J

  35. Slide 35: Board of Commissioners

    BOARD OF COMMISSIONERS Chartsiri Sophonpanich Chalit Tayjasanant Chong Toh Niramarn Laisathit President Commissioner Commissioner Commissioner Commissioner Haryanto Sahari Rahmat Waluyanto Goei Siauw Hong Yap Tjay Soen Independent Independent Independent Independent Commissioner Commissioner Commiss

  36. Slide 36: Board of Directors

    BOARD OF DIRECTORS Chalit Tayjasanant Dhien Tjahajani Lea Kusumawijaya Abdy Dharma Salimin President Director Director Director Director Djumariah Tenteram Darwin Wibowo Herwin Bustaman Dayan sadikin Suwatchai Songwanich ** Director Director Director Director Director **Effective after all requireme

  37. Slide 37: Corporate Rating Information

    CORPORATE RATING INFORMATION Rating Agencies Rating / Outlook Scores Corporate Rating id AAA / Stable Pefindo Pre Basel-III Sub Debt Rating id AA+ (Sep 2020) Basel-III Compliant Subordinated Bonds id AA Rating Local and Foreign Currency Deposit Rating Baa2/P-3 Long Term Counterparty Risk Rating Baa1

  38. Slide 38: Award

    AWARD Terpilih menjadi salah satu dari 10 Perusahaan Tercatat di Indonesia yang masuk dalam PermataBank Raih Penghargaan Bergengsi kategori ASEAN Asset Class, berdasarkan penilaian ACGS. 3rd Rank Annual Report Award 2018 untuk kategori Private Keuangan Listed Top Digital Company Banking Service Exce

  39. Slide 39: CSR

    CSR 46 566 8,367 + 95k Strategic Partners Schools & Communities Student Scholarships Total Beneficiaries Ket : Pencapaian sampai dengan Q2 2021 PERMATAYOUTHPRENEUR 1228 Program pelatihan dan pengembangan online kepada siswa/I SMA/K Pelajar menuju startup Digital yang dapat menginsipirasi generasi mu

  40. Slide 40: Thank You

    THANK YOU Wy PermataBank\Y PT BANK PERMATA TBK. INVESTOR RELATIONS UNIT World Trade Center II Jalan Jend. Sudirman Kav. 29-31 Jakarta 12920 Indonesia Phone = +6221-523-7899 / +6221-523-7999 Website www.permatabank.com Email investor.relations@permatabank.co.id

PT Bank Permata — Q2 2021 Earnings Presentation on 6ix