Slide 1: PT Bank Permata Tbk FY 2019 Financial Result
PT Bank Permata Tbk FY 2019 Financial Result Jakarta, 19 February 2020 Sabang Room – WTC 3 Conference Hall
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: Agenda
Agenda 1 Corporate Journey 2 FY 2019 – Financial Performance 3 Business Update and Strategies 4 Q&A 3
Slide 4: Corporate Journey: to Be Profitable Bank Of Choice
CORPORATE JOURNEY 1 … to Be Profitable Bank Of Choice 2016 2017 2018 2019 Major asset quality Latest shareholders Continued Quality oriented growth to deterioration (primarily capital infusion, IDR strengthening and better leverage scale Wholesale) 8.5T (USD 0.6B) growing the good efficienci
Slide 5: Profitability – Grow with Robust Performance
FINANCIAL PERFORMANCE 2 Profitability – Grow with Robust Performance 100% 9% 65% 5,960 3,128 1,500 901 5,641 1,683 748 5,462 1,136 2017 2018 2019 2017 2018 2019 2017 2018 2019 Profit After Net Interest Assets Tax Income Impairment 66% (YOY) 6% (YOY) 32% (YOY) Profit Before Tax ↑65% (YOY) Non Interes
Slide 6: Loan – Consistently Building Better Loan Quality
FINANCIAL PERFORMANCE 2 Loan – Consistently Building Better Loan Quality 11% 22% 108.2 103.2 95.1 106.6 84.9 93.6 85% Conventional 98.0 62% 13.1 11.5 5.0 14.6 15% Sharia 2017 2018 2019 2017 2018 2019 Good Book Loan Bad Book Loan Loan Growth Good Book Loan 1.5% (YOY) 8.5% (YOY) Bad Book Loan ↓56% (YO
Slide 7: Non Performing Loan – Significant Improvement of Asset Quality
FINANCIAL PERFORMANCE 2 Non Performing Loan – Significant Improvement of Asset Quality 191% 176% 133% NPL Coverage 4.6% Ratios 4.4% 2.8% NPL Gross 1.7% 1.7% 1.3% NPL Net 2017 2018 2019 NPL Gross 1.6% (YOY) NPL Net ↓0.4% (YOY) Source : Published Report (Bank Only) 7
Slide 8: Third Party Fund – Supported by CASA Growth
FINANCIAL PERFORMANCE 2 Third Party Fund – Supported by CASA Growth 11% 8% 122.9 14% 62.3 61.0 60.7 117.9 57.8 56.9 104.9 85% Conventional CASA 53.2 111.1 52% Time 51% Deposit 18.0 15% Sharia 48% CASA Ratio 2017 2018 2019 2017 2018 2019 Third Party Fund CASA 4.3% (YOY) 9.5% (YOY) Saving Account ↑4%
Slide 9: Strong Capital and Liquidity Position
FINANCIAL PERFORMANCE 2 Strong Capital and Liquidity Position 264% 19.4% 19.9% 229% 18.1% 18.7% 204% 17.6% 15.2% CAR LCR 88% 90% 86% CET-1 LDR 2017 2018 2019 2017 2018 2019 CAR LDR CAR ↑4 bps (YOY) Keep ample liquidity amidst tight liquidity in banking industry CET-1 ↑120 bps (YOY) Source : Publishe
Slide 10: Financial Ratios – Indicating Better Performance in Every Aspect
FINANCIAL PERFORMANCE 2 Financial Ratios – Indicating Better Performance in Every Aspect 240 bps 780 bps 40 bps 7.2% 95% 4.4% 93% 4.8% 5.0% 4.1% ROA 70 bps 87% 4.0% ROE 1.3% 0.6% 0.8% 2017 2018 2019 2017 2018 2019 2017 2018 2019 ROE BOPO NIM 220 bps (YOY) 640 bps (YOY) 28 bps (YOY) ROA ↑50 bps (YOY)
Slide 11: Wholesale Banking Achievement
BUSINESS UPDATE AND STRATEGIES 34 Wholesale Banking Achievement GROW GOOD QUALITY ASSET INCREASE CASA RATIO OPTIMIZE RETURN INCREASE FEE BASED INCOME ↑27% 42T ↑8 ↑4% NFI Ratio ↑14% 977 B 33T 936 B 46% 42% 38% 24% 2018 2019 2018 2019 2018 2019 2018 2019 FOCUS ON EXCELLENCE EXECUTION AND INNOVATION
Slide 12: Wholesale Banking Strategies
BUSINESS UPDATE AND STRATEGIES 34 Wholesale Banking Strategies DEEPENING RELATIONSHIP Continue growing selective top tier corporate and SOE names. Intensifying cross selling to non lending products include retail products. FASTER COMMERCIAL SEGMENT GROWTH Faster growth in Medium Enterprise & C
Slide 13: Retail Banking Achievement
BUSINESS UPDATE AND STRATEGIES 34 Retail Banking Achievement Retail Banking focus on collaboration as low cost model to tap into new business avenues 423K new loans monthly 36K new loans monthly API based account opening 48% of total new accounts booked 7% of total new accounts booked 5,
Slide 14: Retail Banking Strategies
BUSINESS UPDATE AND STRATEGIES 34 Retail Banking Strategies GROW QUALITY AND PROFITABLE ASSET Increase high yield assets (CC, PL, SME, Commercial) INCREASE SHAREHOLDERS Pricing Management SYNERGY GROW SUSTAINABLE CASA Capitalize Permata MobileX and DIGITAL channel to RISK MANAGEMENT drive acco
Slide 15: Sharia Banking Achievement
BUSINESS UPDATE AND STRATEGIES 34 Sharia Banking Achievement 1 | Clear Strategy & Business Model 2 | PERSIB Sponsorship Optimization 3 | Continue to be Recognized by the Market • Clear target market, segmentation & winning proposition Optimization by not only leveraging the brand but also • The Best
Slide 16: Sharia Banking Strategies
BUSINESS UPDATE AND STRATEGIES 34 Sharia Banking Strategies CONTINUE TO STRENGTHEN SHARIAH GOVERNANCE Roll-out Shariah Compliance Policy (SCP) and Shariah Financing Screening Checklist (SFCF) Monitoring Adequacy of Procedures & Technical Guidelines for All Business Activities Robust UPZDK Oper
Slide 17: Digital Banking Achievement
BUSINESS UPDATE AND STRATEGIES 34 Digital Banking Achievement PermataMobile X is the only mobile banking Super App in Market and the best in class 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 ac
Slide 18: Digital Banking Strategies
BUSINESS UPDATE AND STRATEGIES 34 Digital Banking Strategies The Bank will continue executing digital strategies that focused on new business, customer experience and cost efficiencies Refresh PermataBank corporate website Refresh Internet Banking Continue to build on PermataMobile X Sales & Service
Slide 19: Q&A Session
Q&A Session
Slide 20: Appendices
Appendices
Slide 21: Balance Sheet
Appendices 45 Balance Sheet (in IDR Bn) 31-Dec-18 31-Mar-19 30-Jun-19 30-Sep-19 31-Dec-19 YoY Cash 2.185 1.605 1.937 1.810 2.304 5% Placement to BI 16.640 18.599 13.533 14.764 16.296 -2% Placement with other Banks 6.638 3.382 3.292 7.259 9.581 44% Marketable Securities 15.405 22.059 14.808 16.796 11
Slide 22: Income Statement
Appendices 45 Income Statement (in IDR bn) 31-Dec-18 31-Mar-19 30-Jun-19 30-Sep-19 31-Dec-19 YoY Net Interest Income 5,641 1,390 2,821 4,286 5,960 6% Non Interest Income 1,615 418 918 1,425 2,007 24% Revenue 7,256 1,808 3,739 5,711 7,967 10% Operating Expense 4,695 1,178 2,359 3,581 4,924 5% Staff c
Slide 23: Financial Ratio
Appendices 45 Financial Ratio (in %) Dec-19 Dec-18 ∆ CET-1 ratio 18.7 17.6 1.2 Total CAR 19.9 19.4 0.4 LDR 86.3 90.1 -3.8 CASA ratio * 50.7 48.3 2.4 ROA 1.3 0.8 0.5 ROE 7.2 5.0 2.2 BOPO 87.0 93.4 -6.3 CIR 61.6 64.5 -2.9 NIM 4.4 4.1 0.3 NPL Gross 2.8 4.4 -1.6 NPL Net 1.3 1.7 -0.4 NPL Coverage ratio 1
Slide 24: Network and Distribution
Appendices 45 Network and Distribution 310 branches in 62 cities R10 NORTH & WEST SUMATERA, RIAU ISLANDS R8 BORNEO Branches : 31 Branches : 16 Customers : 125K Customers : 45K Employees : 325 Employees : 152 R11 SOUTH SUMATERA Branches : 10 Customers : 41K Employees : 114 R1-4 JABODETABEKA Branches
Slide 25: Board of Commissioners
Appendices 45 Board of Commissioners Sebastian Ramon Arcuri Suparno Djasmin David A. Worth Zulkifli Zaini President Commissioner Vice President Commissioner Independent Commissioner Independent Commissioner* Mark Spencer Greenberg Ian Charles Anderson Haryanto Sahari Rahmat Waluyanto Commissioner Co
Slide 26: Board of Directors
Appendices 45 Board of Directors Ridha DM Wirakusumah Dhien Tjahajani Lea Kusumawijaya Abdy Salimin President Director Director Director Director Djumariah Tenteram Darwin Wibowo Herwin Bustaman Dayan sadikin Director Director Director Director 26 26
Slide 27: Stock Performance
Appendices 45 Stock Performance 1600 Thousands 1385 700 1400 1260 1270 1260 600 1200 1,080 1,110 1045 500 1000 915 780 400 800 900 630 300 600 665 400 200 200 100 0 - Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Trading volume Share price BNLI Dec-18 Mar-19 Jun
Slide 28: Thank You!
Thank You! PT Bank Permata Tbk Investor Relations Unit World Trade Center II Jl. Jend. Sudirman Kav. 29-31 Jakarta 12920 - Indonesia Phone : (62-21) 523 - 7899 / 7999 Website : www.permatabank.com Email : investor.relations@permatabank.co.id