Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — Q1 2021 Earnings Presentation
39 slides from Pt Bank Permata Tbk Class A's earnings presentation, March 2021
Slide 1: Corporate Presentation: Financial Result
CORPORATE PRESENTATION AS OF MARCH 2021 FINANCIAL RESULT PT BANK PERMATA TBK
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
Slide 3: Performance Highlights
PERFORMANCE HIGHLIGHTS Amid the efforts of the government and the business world to rise and encourage economic growth and restore business conditions in Indonesia which were affected by the COVID-19 pandemic, PT Bank Permata Tbk ("PermataBank" or "Bank") is able to make a positive contribution to t
Slide 4: Performance Highlights: Selective Loan Financing
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 Q1-21, Loan grew 6.6% yoy to Rp. 117.7 trillion, mainly driven by loan growth in the Wholesale Banking segment of 28
Slide 5: Performance Highlights: Liquidity and Capital
PERFORMANCE HIGHLIGHTS Strong liquidity is supported by the increase of low-cost funds (CASA) proportion and strong capital to support broader business growth • Liquidity was still maintained strong as reflected in the Loan to Deposit Ratio (LDR) of 77% at the end of Mar 2021, down from last year's
Slide 6: Indonesia Macro Economy Condition
INDONESIA MACRO ECONOMY CONDITION Decreasing interest rate to boost domestic growth Deflationary trend continues in Q1-21 4.0% 3.0% 5.00% 2.7% 4.75% 4.25% 2.0% 4.00% 2.0% 4.00% 3.75% 1.7% 3.50% 1.4% 1.6% 1.4% 7 Days Reverse Repo rate Inflation Jun-20 Apr-20 Dec-19 Jan-20 Jan-21 Dec-20 Mar-20 Mar-21
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 203.5 tn (consolidated) Market Capitalization ** Rp 56.9 tn
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 : 135 R9 BALI, NTB & SULAWESI Branches : 22 R7 EAST JAVA Branches : 36 R5 West Java Branches : 21 R6 CENTRAL JAVA & JOGJAKARTA Branches : 20
Slide 9: Bank Permata Strategic Direction
BANK PERMATA STRATEGIC DIRECTION 9
Slide 10: Bank Permata Synergy with Bangkok Bank
BANK PERMATA SYNERGY WITH BANGKOK BANK Focus Area Synergy between Bank Permata and Bangkok Bank 10
Slide 11: Financial Performance
\ PermataBank FINANCIAL PERFORMANCE
Slide 12: Key Financial Highlights
KEY FINANCIAL HIGHLIGHTS Mar 2020 Mar 2021 ∆ (%) Loans (Rp Tn) 110.5 → 117.7 +6.6% Gross NPL Ratio 3.2% → 2.9% -0.25% Net NPL Ratio 1.2% → 1.0% -0.3% NPL Coverage Ratio 152.2% → 246.0% +93.9% CASA Ratio 53.5% → 54.4% +0.9% [CASA (Rp Tn)]* 71.1 → 81.1 +14.0% LDR 79.9% → 76.6% -3.4% NIM 4.6% → 4.5% -0
Slide 13: Income Statements
INCOME STATEMENTS (in IDR bn) Mar-21 Mar-20 YoY Net Interest Income 1,996 1,605 24% Non Interest Income 386 484 -20% Revenue 2,382 2,088 14% Operating Expense 1,311 1,223 7% Pre Provision Operating Profit 1,071 865 24% Provision for losses 420 636 -34% Operating Profit 650 229 184% Non Operating Inc
Slide 14: Balance Sheets
BALANCE SHEETS (in IDR tn) Mar-21 Mar-20 YoY Cash 1.6 2.4 -34.2% Placement with Bank Indonesia 18.2 17.4 4.6% Placement with Other Banks 5.2 7.8 -32.7% Marketable Securities * 57.2 20.6 176.9% Loans (gross) 117.7 110.5 6.6% Allowance for Loan Impairment Losses (8.3) (5.2) 60.2% Other Assets 11.8 14.
Slide 15: Financial Ratios
FINANCIAL RATIOS (in %) Mar-21 Mar-20 ∆ CET-1 ratio 26.6 18.4 8.1 Total CAR 35.2 19.6 15.6 Loan to Deposit Ratio (LDR) 76.6 79.9 -3.4 CASA Ratio 54.4 53.5 0.9 ROA 1.3 0.7 0.6 ROE 4.7 0.0 4.7 BOPO 82.3 94.0 -11.8 CIR 59.5 61.0 -1.4 NIM 4.5 4.6 -0.1 NPL Gross 2.9 3.2 -0.2 NPL Net 1.0 1.2 -0.3 NPL Cove
Slide 16: Sustainable Loan Growth During Pandemic
SUSTAINABLE LOAN GROWTH DURING PANDEMIC Loan +6.6% YOY (as of March 2021) 118.0 117.7 110.5 103.4 102.7 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Loan By Currencies Loan By Type 22% 12% IDR Conventional 78% 88% Sharia FCY Source : Published and Management Report (Bank Only) 16
Slide 17: Better Asset Quality Amidst Pandemic
BETTER ASSET QUALITY AMIDST PANDEMIC +24 bps YOY 5.0% 3.8% 3.7% 3.8% 4.0% 3.6% 3.3% 3.2% 2.8% 2.9% 2.9% 3.0% Gross NPL 1.8% 2.0% 1.6% 1.5% 1.3% 1.2% 1.3% 1.2% 1.0% Net NPL 1.0% 1.0% 0.0% Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Loan by Collectability* (% to total Loan) NPL Cove
Slide 18: Restructured Loan Due to COVID-19
RESTRUCTURED LOAN DUE TO COVID-19 • As of 31 Mar 2021, a total restructuring exposure of IDR 13.4tn (or 11.4% of portfolio) have been approved by the bank. • As of 29 Dec 20, Permata receive Loan Restructured from ex-BBI Debtors, amounted to IDR 5.4 Tn as in Wholesale Banking (WB) Portfolio. Restruc
Slide 19: Strong Deposit Composition
STRONG DEPOSIT COMPOSITION Deposit by Currencies (Mar-21) 53.5 54.4 52.1 51.2 50.8 FCY, 19% CASA Ratio (%) +12.2% YOY IDR, 81% 160.0 145.6 149.2 140.0 133.0 133.3 124.5 120.0 71.1 68.0 100.0 61.8 65.7 59.7 Deposit by Types (Mar-21) 80.0 60.0 Sharia 40.0 71.1 74.5 81.1 12% 64.8 67.7 20.0 - Convention
Slide 20: Sustainable Level of NIM & Overall Yield
SUSTAINABLE LEVEL OF NIM & OVERALL YIELD 10.0% 8.3% 8.4% 8.4% 8.4% 8.1% 7.9% 7.6% 7.7% 8.0% 6.3% 6.0% 4.7% 4.4% 4.6% 4.5% 4.4% 4.5% 4.0% 4.2% 4.2% 4.0% 4.8% 4.7% 4.6% 4.6% 4.0% 3.9% 3.8% 3.7% 2.0% 2.6% 0.0% Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Yield of Interest Earning Asse
Slide 21: Non-Interest Income
NON-INTEREST INCOME Non Interest Income (IDR Bn) Mar-20 Mar-21 YOY Growth 188% 484 60% 75% -11% -31% 386 -46% -98% -20% 180 134 105 93 32 51 52 28 27 46 42 29 46 4 Net Gain and incr. Loan Related Fees Trade Finance Bancassurance Security Agency Credit Card & E- Others Total Non Interest value on Mkt
Slide 22: Manageable Operating Expenses
MANAGEABLE OPERATING EXPENSES 1,223 1,311 12% 6% 7% YOY Growth 1% -4% 699 -27% 622 401 Mar-20 378 Mar-21 32 23 89 90 103 98 Staff Cost Marketing & Information Depreciation and Others Total Operating Promotion Technology amortization Expenses Cost to Income Ratio* Operation Efficiency Ratios* (BOPO)
Slide 23: Strong and Robust Capital Position
STRONG AND ROBUST CAPITAL POSITION 35.7% 35.2% CAR (%) 26.9% 26.6% CET-1 (%) 21.3% 21.6% 19.6% 20.2% 20.5% 18.4% YOY Growth 41,451 42,273 101% 21,032 21,848 22,165 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Tier-1 Capital (IDR Bn.) Description Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 YOY Growth RWA - Credit 98,83
Slide 24: Business Updates and Strategy
BUSINESS UPDATES AND STRATEGY
Slide 25: Focus of Wholesale Banking Segment
FOCUS OF WHOLESALE BANKING SEGMENT 25
Slide 26: 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
Slide 27: 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 27
Slide 28: 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
Slide 29: 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
Slide 30: Digital Banking Capabilities
DIGITAL BANKING CAPABILITIES DIGITAL SELF SERVICE CHANNEL OF BANK PERMATA IS AS FOLLOWS: 913 30
Slide 31: New Model Branches of Bank Permata
NEW MODEL BRANCHES OF BANK PERMATA TRANSFORMING BRANCHES TO BE MORE SALES-ACQUISITION, WITH MORE SOPHISTICATED PRODUCT 31
Slide 32: Other Information
\/ PermataBank OTHER INFORMATION
Slide 33: Stock Information
STOCK INFORMATION 3500 Share Price 3200 3060 700 (IDR) 2980 Trading vol 3000 2900 (Thou. unit) 2590 2690 600 2440 2430 2500 2300 2210 2190 500 2370 2250 21202050 2000 2100 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 Jan-20 Feb-20 Mar-20 Apr-20
Slide 34: Right Issues Information
RIGHT ISSUES INFORMATION 34
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
Slide 36: Board of Directors
BOARD OF DIRECTORS Ridha DM Wirakusumah * 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 * Have submitted resignatio
Slide 37: Corporate Social Responsibility (CSR)
CORPORATE SOCIAL RESPONSIBILITY (CSR) 37
Slide 38: Awards
AWARDS ay BEST SHARIAH BANKING 10 YEARS IN THE ROW TOP DIGITAL COMPANY AWARDS 2020 BANKING SERVICE EXCELLENCE AWARD by the MRI and Infobank by the Marketing Magazine by the MRI and Infobank PermatanT ‘sou G fir, (_} ASEAN Asset Class y, PermataBank PT Bank Permate Tok co ICO. BEI few iCI0 RIDHA WIRA
Slide 39: 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