PT Bank Permata Tbk Class A · IDX:BNLI
PT Bank Permata Tbk Class A — Q1 2019 Earnings Presentation
33 slides from PT Bank Permata Tbk Class A's earnings presentation, March 2019
Slide 1: PT Bank Permata Tbk Business and Financial Update
PT Bank Permata Tbk March 2019 Business and Financial Update Company Presentation
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: Table of Contents
Table of Contents Macro Economy……………………….……………………………………………………..... 4 Performance Highlights ……………………………………………………………………..... 5-6 PermataBank in Brief, Vision & Mission……………………………………………………..... 7 - 9 Key Financial Highlights……………………………………………………………………..... 10 Income Statement……………………………………………
Slide 4: Macro Economy
Macro Economy Stagnant Interest Rate Downtrend Inflation 6.00% 6.00% 6.00% 5.00% 4.5% 5.75% 5.50% 4.00% 5.25% 3.00% 2.48% 4.25% 4.25% 2.00% 2.5% 1.00% 0.00% Mar-17 Jul-17 Mar-18 Jul-18 Mar-19 Jan-18 May-17 Sep-17 Nov-17 May-18 Sep-18 Nov-18 Jan-19 May-18 May-18 Jun-18 Jul-18 Aug-18 Sep-18 Oct-18 Nov
Slide 5: Performance Highlights: Profitability Grows Significantly
Performance Highlights 1 Profitability Grows Significantly Along with Positive Credit Quality Improvements • PermataBank continues to build a strong banking foundation in Q1 2019 by being able to record Profit After Tax of IDR 377 billion at the end of March 2019 or increase 131% YoY accompanied by
Slide 6: Performance Highlights: Stable Loan Growth
Performance Highlights 2 Stable Loan Growth Along With Efforts To Improve Asset Quality • As of March 2019, the Bank managed to record gross loan growth of 4.7% (YoY) from Rp 99.8 trillion to Rp 104.5 trillion at the position of March 2019. This loan growth was contributed by both Retail Banking (5%
Slide 7: PermataBank in Brief
PermataBank in Brief Controlling Shareholders Year Established 1955 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 One of the largest listed companies in (BEI) Indonesia with strong market posit
Slide 8: Vision & Mission
Vision & Mission ”Menjadi bank pilihan dengan • Berperan aktif sebagai mitra di bidang keuangan dan agen terus membina kemitraan dan pembangunan yang efisien bagi nasabah dan masyarakat. menciptakan nilai bermakna bagi • Memberikan layanan keuangan menyeluruh secara nasabah dan masyarakat”. sederhan
Slide 9: I-PRICE Values
I-PRICE INTEGRITY PARTNERSHIP RESPONSIVENESS INNOVATION CARING EXCELLENCE Kita bekerja dengan Kita saling memahami dan Kita bekerja dengan cepat, Kita selalu berpikir inovatif Kita menaruh perhatian Kita memberikan layanan mengutamakan kejujuran, bersama-sama membangun akurat, dan efektif dalam untu
Slide 10: Key Financial Highlights
Key Financial Highlights Mar 2018 Mar 2019 ∆ Loans (Rp Tn) 99.8 → 104.5 5% Gross NPL Ratio 4.6% → 3.8% -0.8% Net NPL Ratio 1.7% → 1.6% 0.1% NPL Coverage Ratio 194% → 173% -21% CASA Ratio 49% → 47% -2% [CASA (Rp Tn)] 55.4 → 56.5 2% LDR 89% → 87% -2% NIM 3.9% → 4.0% 0.1% BOPO 95% → 88% -7% CIR 64% → 6
Slide 11: Financial Highlights - Income Statement
Financial Highlights - Income Statement (in IDR bn) Mar-19 Mar-18 YoY Q4-18 Net Interest Income 1,390 1,367 2% 1,471 Non Interest Income 418 463 -10% 445 Revenue 1,808 1,830 -1% 1,916 Operating Expense 1,178 1,177 0% 1,210 Staff costs 581 566 3% 595 Promotion costs 32 25 32% 76 Other costs 565 586 -
Slide 12: Stable NIM at 4.0%
Stable NIM at 4.0% 10.0% 8.3% 8.3% 8.0% 8.0% 8.0% 6.0% 5.0% 4.8% 4.2% 4.3% 4.0% 3.5% 3.9% 4.1% 4.0% 2.0% 0.0% Mar 17 Jun 17 Sep 17 Dec- 17 Mar 18 Jun-18 Sep-18 Dec-18 Mar-19 Yield of Interest Earning Assets Cost of Interest Bearing Liabilities NIM Although industry liquidity tightened in 1Q-2019, Ba
Slide 13: Operating Expense
Operating Expense 5.0% 4.5% Growth of Operating Expenses (YOY) 4.0% 3.0% 2.0% 0.9% 1.0% 0.8% 0.1% 0.0% Dec-15 Dec-16 Dec-17 Dec-18 Mar-19 -1.0% -0.9% IDR Trillion Dec-14 Dec-15 Dec-16 Dec-17 Mar-18 Dec-18 Mar-19 YOY Total Operating Expenses 4.45 4.65 4.69 4.73 1.18 4.69 1.18 0% Staff Cost 2.19 2.15
Slide 14: Financial Highlights - Balance Sheet
Financial Highlights - Balance Sheet (in IDR tn) Mar-19 Mar-18 YoY Cash 1.6 1.8 -12% Placement with Bank Indonesia 18.6 12.9 44% Placement with ot her Banks 3.4 4.2 -19% Marketable Securities * 22.1 25.5 -13% Loa ns (gross) 104.5 99.8 5% a. By segments Retail Banking 61.5 58.7 5% Wholesale Banking 4
Slide 15: Financial Highlights - Key Ratios
Financial Highlights - Key Ratios (in %) Mar-19 Dec-18 Mar-18 CET-1 ratio 18.3 17.6 15.1 Total CAR 19.9 19.4 17.7 LDR 87 90 89 CASA ratio * 47 48 49 ROA 1.3 0.8 0.5 ROE 7.6 5.0 4.0 BOPO 88 93 95 CIR 65 65 64 NIM 4.0 4.1 3.9 NPL Gross 3.8 4.4 4.6 NPL Ne t 1.6 1.7 1.7 NPL Coverage ratio 173 176 194 Re
Slide 16: Loan
Loan Loans Growth (IDR tn) Conventional vs Sharia* 14% 14% 14% YOY 4.7% 86% 86% 86% 105.0 106.6 104.5 97.6 99.8 Mar-18 Dec-18 Mar-19 Conventional Sharia By Currencies* CAGR 3.1% 17% 17% 17% 83% 83% 83% Dec-16 Dec-17 Mar-18 Dec-18 Mar-19 Mar-18 Dec-18 Mar-19 IDR Non IDR 16 Notes: * Bank only Source:
Slide 17: LDR decrease to 87%, Loan growth of 4.7%
LDR decrease to 87%, Loan growth of 4.7% LDR (Bank Only) Loan by Segment (Consol, in IDR Bn) Loan composition (%) 91% 88% 89% 86% 90% 572 544 87% 87% YoY grw 83% Segment compo (%) 42,424 (%) 40,536 RB 5% 59% 75% Credit Card 7% 2% Personal Loan 47% 2% 27,975 28,552 Mar-17 Jun-17 Sep-17 Dec-17 Mar-18
Slide 18: Loan Quality & Coverage
Loan Quality & Coverage Loan by Collectability (% to total Loan) NPL and Coverage 235% 20.0% 5.1 tn 4.6 tn 3.9 tn 240% 227% 219% 18.0% 210% 194% 16.0% 5.1% 4.4% 3.8% 176% 173% 9.0% 180% 14.0% 12.0% 9.9% 150% 12.0% 10.0% 120% 8.0% 87.2% 90% 82.9% 85.8% 6.0% 60% 4.6% 4.4% 3.8% 4.0% 30% 1.7% 2.0% 1.7%
Slide 19: Deposits
Deposits IDR tn ** YoY Growth 5 (Year) Deposits Dec-14 Dec-15 Dec-16 Dec-17 Mar-18 Dec-18 Mar-19 Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Mar-19 CAGR Current Account 26.7 29.6 31.3 30.0 27.6 28.1 28.24 5% 11% 6% -4% 2% 2% 2% Saving Account 24.3 25.5 29.4 27.8 27.4 28.8 28.28 13% 5% 15% -5% 5% 3% 5% Total
Slide 20: Capital – strong capital base to grow
Capital – strong capital base to grow Capital ratios (%) • Strong capital position as reflected in 19.6 19.9 19.2 19.4 strengthened Common Equity Tier 1 (CET-1) 17.7 18.3 ratio and Capital Adequacy Ratio (CAR) of 17.3 17.6 17.1 18.3% and 19.9% respectively, far higher than 15.1 the minimum capital r
Slide 21: Shares & Rating
Shares & Rating Share Price & Trading Volume Rating Agencies Rating/Outlook In IDR Thousands Corporate Rating id AAA / Stable Pefindo Senior Bond Rating id AAA 1400 (Sep 2018) Thousands 1260 700 Pre Basel-III Sub Debt Rating id AA+ 1200 Merger Basel-III Compliant Subordinated Bonds Rating id AA Issu
Slide 22: Business Updates
PermataBtant SP Business Updates
Slide 23: We launched our new mobile banking app PermataMobileX
Digital Banking We launched our new mobile banking app PermataMobileX PermataMobile X offers more than 200 features in one mobile banking app. Our customers now only need to deal with one super app that has all their accounts in one place. They can open CASA online, open Time Deposit, buy, sell
Slide 24: Our new Digital Banking capabilities
Digital Banking Our new Digital Banking capabilities While 2017 had been about building our technology foundation layer, 2018 was all about delivering digital capabilities so that they set us apart from our competition and taking PermataBank to the next level: TOUCH ID FACE ID VOICE ID Launched in A
Slide 25: Our new Digital Banking capabilities
Digital Banking Our new Digital Banking capabilities Many of our digital capabilities are leading edge and the FIRST in the markets delivering great customer experience and our brand value – simple, fast and reliable: BUY/SELL BONDS BUY/SELL MUTUAL FUND ON- ON-LINE LINE DIGITAL VALUE CHAIN Launched
Slide 26: We entered into partnerships with more business partners
Business Updates – Retail Banking We entered into partnerships with more business partners CCPL DIGITAL OPENING, Nov ‘18 AMARTHA Online CCPL account opening. Speed up CC and PL credit decision Channelling initiative and strategic partnership with Amartha to process with lower CPA accelerate UMKM loa
Slide 27: Sharia Banking Key Initiatives
Business Updates – Sharia Banking Key Initiatives BILLBOARD 2017 - 2018 Branding MIPSTER PERSIB PermataMobile X Wealth Wisdom 27 27
Slide 28: Award 2018
Award 2018 2018 Contact Center Service Excellence Award Penghargaan dengan predikat Exceptional untuk kategori Regular Banking, Priority Banking, Regular Credit Card, Platinum Credit Card, Sharia Banking 2018 Banking Service Excellence Award – MRI / Infobank - Digital Banking Services Terbaik - Kate
Slide 29: Other Information
PermataBtant SP Other Information 29
Slide 30: Shareholders and Management
Shareholders and Management Shareholders 1. PT Astra International Tbk 44,56% 2. Standard Chartered Bank 44,56% 3. Public 10,88% Total 100,00% Board of Commissioner Board of Directors President Commissioner Sebastian Ramon Arcuri President Director Ridha DM Wirakusumah1) Vice President Commissioner
Slide 31: Nationwide Networks and Distribution
Nationwide Networks and Distribution We offer a variety of banking products for both individuals and SMEs. We also focus on Wholesale Banking which is concentrated in the middle market corporates and value chain business segments 323 Total branches 17 Sharia branches 62 city 1,000 ATMs, 16 Mobile Br
Slide 32: Company Milestone
Company Milestone PermataBank provides comprehensive and innovative products and services, especially in the area of high-tech delivery channels including Internet Banking and Mobile Banking. Uniquely positioned in the Indonesian Banking industry. With Astra International and Standard Chartered Bank
Slide 33: Thank You
THANK YOU PT Bank Permata Tbk Investor Relations World Trade Center II Jl. Jend. Sudirman Kav. 29-31 Jakarta 12920 - Indonesia Phone: (62-21) 523 - 7899 / 7999 Website : www.permatabank.com Email: eti.candrawati@permatabank.co.id dapranoto@permatabank.co.id luthfi.farhana@permatabank.co.id Disclaime