Pt Bank Qnb Indonesia Tbk · IDX:BKSW
Pt Bank Qnb Indonesia Tbk — QNB Group — Investor Presentation (September 2022)
49 slides from Pt Bank Qnb Indonesia Tbk's investor presentation, September 2022
Slide 1: Investor Relations Presentation
Investor Relations Presentation September 2022
Slide 2: Contents
Contents 1.QNB at a Glance 2.QNB Comparative Positioning – Qatar and MEA 3.Financial Highlights – as at 30 September 2022 4.Sustainability 5.Economic Overview Notes: All figures in US Dollars have been converted from Qatari Riyals based on the exchange rate of 1 US Dollar = 3.6405 Qatari Riyals In c
Slide 3: QNB at a Glance
+< QNB QNB at a Glance
Slide 4: QNB is a strong and highly rated bank with international footprint
QNB is a strong and highly rated bank with international footprint #1 bank in the Middle East and Africa across all balance sheet metrics International network with presence in more than 31 countries Most valuable banking brand in the Middle East and Africa, worth USD 7.1 Bn1 About 27,000 employees
Slide 5: QNB's International Footprint
QNB's International Footprint Sub-Saharan Africa Middle East Qatar: (52 Branches) South Sudan: (1 Branch) Togo: (671 Branches3, 20.1% stake in KSA: (1 Branch) Ecobank) UAE: (71 +11 Branches, 40.0% stake Asia in CBI) Syria: (8 +291 Branches, 50.8% stake Indonesia: (11 Branches, 92.48% stake in QNB Sy
Slide 6: QNB Comparative Positioning – Qatar and MEA
QNB Comparative Positioning – Qatar and MEA
Slide 7: Top Listed Domestic Banks – September 2022
Top 5 Listed Domestic Banks – September 2022 QNB continues to excel in the domestic market Assets Loans 311.8 209.6 50.5 47.3 45.1 33.2 32.0 27.0 25.9 15.5 Deposits Net Profit 218.2 3.02 0.78 33.8 0.60 25.6 23.7 0.37 0.26 13.5 Note: All amounts are in USD billions Source: Banks’ September 2022 Press
Slide 8: Top Listed MEA Banks – September 2022
Top 5 Listed MEA Banks – September 2022 QNB maintained its position as the leading bank in the region across all balance sheet categories Assets Loans 312.1 311.8 209.6 257.3 148.7 143.0 197.6 196.2 126.7 116.5 Deposits Net Profit 218.2 3.69 203.0 3.40 3.02 2.98 159.2 148.3 2.47 130.9 Note: All amou
Slide 9: QNB is the leading financial institution in the MEA region with regards to brand value
QNB is the leading financial institution in the MEA region with regards to brand value Brand value (USD Bn as at 31-Dec-21) Top MEA banking brands Key highlights • QNB retains the most valuable Banking Brand in Middle East and Africa region 7.056 • January 2022 Brand Value for Group increased to USD
Slide 10: Financial Highlights – as at September 2022
Financial Highlights – as at 30 September 2022
Slide 11: QNB demonstrate sustainable growth
QNB demonstrate sustainable growth Financial Highlights (as at 30 September 2022) Growth vs. September 2021 • Net interest margin (NIM)2: 2.57% Profit1 • USD3.02 billion +7% • Cost to income ratio: 19.3% • Earnings per share: USD 0.30 • USD311.8 billion assets +5% • NPL (% of gross loans): 2.4% Asse
Slide 12: QNB ALAHLI
QNB ALAHLI Financial Highlights (as at 30 September 2022) Growth vs. September 2021 • USD366.3 million +8% • Net interest margin (NIM)1: 5.29% Profit (EGP6.5 billion) (+23%) • Cost to income ratio: 25.4% • USD22.9 billion assets +7% (EGP448.1 billion) (+33%) • NPL (% of gross loans): 3.6% Assets • U
Slide 13: QNB FINANSBANK
QNB FINANSBANK Financial Highlights (as at 30 September 2022) Growth vs. September 2021 • USD329.6 million +1% • Net interest margin (NIM)1: 7.50% Profit (TRY6.1 billion) (+130%) • Cost to income ratio: 21.6% • USD31.5 billion assets -3% (TRY584.3 billion) (+103%) • NPL (% of gross loans): 2.0% Asse
Slide 14: Strong domestic franchise with widespread geographical footprint contributes to diversification and growth
Strong domestic franchise with widespread geographical footprint contributes to diversification and growth Geographical Contribution (as at 30 September) Domestic International % Share of International as percentage of the total Net Profit1 Loans Deposits USD billion USD billion USD billion 3.02 210
Slide 15: Consistent Profitability and Cost Discipline
Consistent Profitability and Cost Discipline Income Statement Breakdown (USD billion as at 30 September) Net Profit1 Operating Income2 Net Interest Income % Cost to Income Ratio % Net Interest Margin3 5 yrs: 1.4% 2.97 3.08 3.02 5 yrs: 9% 7.04 2.82 5 yrs: 10% 5.76 2.61 5.69 5.02 5.24 5.28 4.63 4.10 4
Slide 16: Asset growth driven by lending activities mainly in QAR and USD
Asset growth driven by lending activities mainly in QAR and USD Assets Analysis (as at 30 September) Total Assets Evolution 2022 Split of Assets (%) USD billion By Type By Currency 5 yrs: 7% 311.8 Cash and 297.7 Balances with 8.9 QAR 23.9 270.9 Central Banks 250.5 USD 45.9 234.3 Due from 8.4 Banks T
Slide 17: Stable loan momentum
Stable loan momentum Loan Analysis (as at 30 September) Total Loans Evolution 2022 Split of Loans (%) USD billion By Geography By Sector1 5 yrs: 6% 210.5 209.6 Qatar 78.1 Govt. & Govt. 36.2 196.8 Agencies 179.4 166.0 Turkey 8.4 Services/ 39.6 Commerce Egypt 5.1 Industry 5.6 Europe 2.3 Real Estate &
Slide 18: High quality lending portfolio is underpinned by low NPL ratios
High quality lending portfolio is underpinned by low NPL ratios Asset Quality Analysis (as at 30 September) Non Performing Loans (NPL) by Segment • QNB has continued to increase its provisions in USD million x Total NPL’s response to the global 4,345 5,039 5,191 economic situation on 3,621 account o
Slide 19: High quality investment portfolio with 67% of securities rated AA or Sovereign
High quality investment portfolio with 67% of securities rated AA or Sovereign Investments Analysis (USD million as at 30 September 2022) Fair Value Through Other Comprehensive Income Amortised Cost Quoted Fixed rate Unquoted Floating rate State of Qatar 4,123 State of Qatar 6,685 Sovereign Debt 0 S
Slide 20: Robust growth in customer deposits and funding
Robust growth in customer deposits and funding Funding Analysis (as at 30 September) Total Customer Deposits Evolution 2022 Split of Deposits (%) USD billion By Sector By Type By Geography 5 yrs: 7% Qatar 55.8 Govt. & 215.3 218.2 26.6 Time 75.3 Govt. Deposits 196.4 Agencies GCC 1.5 182.0 168.8 Europ
Slide 21: Solid liquidity profile
Solid liquidity profile Liquidity Analysis (as at 30 September) Loans to Deposits Ratio Evolution Sources of Liquidity % % of total liabilities 98.3 98.6 100.2 97.8 96.1 Due to 13.6 Banks Customer 77.2 Deposits 2018 2019 2020 2021 2022 Debt 3.3 Securities Liquid Assets1 Evolution Other USD billion %
Slide 22: Strong capital adequacy ratio maintained above both QCB and Basel III requirements
Strong capital adequacy ratio maintained above both QCB and Basel III requirements Capital Analysis (as at 30 September) Basel III Capital Adequacy Ratio % 19.0 17.8 16.0 (QCB) 13.8 13.0 (QCB) 11.0 (QCB) CET 1 Tier 1 Total CAR • Capital adequacy ratio is above QCB and Basel III requirements includin
Slide 23: Diversifying business mix will bolster sustainable growth
Diversifying business mix will bolster sustainable growth Business Mix Contribution (% share as at 30 September 2022) Lines of Business Net Profit1 Op. Income Loans Deposits 86 81 92 82 • Maintain dominant domestic market share Group Corporate • Grow international contribution • Nurture SME business
Slide 24: IFRS 9 – Additional buffers for long-term earnings stability
IFRS 9 – Additional buffers for long-term earnings stability • QNB implemented IFRS 9 with effect from 1 January 2018 based on the QCB guidelines. Financial Impacts • As per QCB instructions, ECL impact has been treated as Tier 2 Capital for CAR purposes with no amortisation of the transition impact
Slide 25: QNB Group Financials
QNB Group Financials Key data (as at 30 September 2022) QNB QNB incl. QNB ALAHLI QNB incl. QNB Finansbank % Contribution of QNB AA % Contribution of QNB Finansbank Financials Presence USD billion 3.02 312 27,959 2.69 280 257 2.34 210 218 192 199 182 179 14,590 7,527 313 544 989 Profit1 Total Assets
Slide 26: Sustainability
+< QNB Sustainability
Slide 27: Sustainability entails delivering positive impact in the pillars and topics of ESG
Sustainability entails delivering positive impact in the pillars and topics of Environmental, Social and Governance (ESG) Universal sustainability topics mapped against the pillars of ESG ESG Pillars Environmental Social Governance Climate change Human rights Board oversight Carbon emissions Labor p
Slide 28: QNB has engaged key stakeholder groups to identify and map material topics
QNB has engaged key stakeholder groups1 to identify and map the topics that are most material to them with regards to sustainability QNB stakeholder assessment approach 4 Define Sustainability strategy and framework to address material topics 3 Map material topics to ESG frameworks (e.g. UNSDGs2) 2
Slide 29: QNB's material topics have been prioritised and mapped against the UNSDGs
QNB’s material topics have been prioritised and mapped against the UNSDGs QNB Group materiality matrix Material topics mapped to UNSDG’s Financial stability and systemic risk management Governance, compliance and risk management Financial stability and systemic risk management Customer experience an
Slide 30: QNB has defined a sustainability framework and strategy along the pillars of ESG
QNB has defined a sustainability framework and strategy along the pillars of ESG, as well as incorporating material topics Environmental Social Governance Sustainable financial performance Sustainable investment Financial inclusion Sustainable finance SMEs and entrepreneurship Customer engagement an
Slide 31: QNB has delivered and achieved a number of key ESG milestones
QNB has delivered and achieved a number of key ESG milestones across all areas of our sustainability framework Established QNB Group Sustainability Strategy, Policy and Governance Sustainable financial performance Sustainable Sustainable Beyond finance operations banking External Commitments Reporti
Slide 32: QNB Group's commitment to enhancing its sustainability practices helped improve ESG ratings
QNB Group’s commitment to enhancing its sustainability practices helped improve ESG ratings As at September 2022 QNB Disclosures 2020 2021 Trend A AA 41 (59th percentile) 46 (74th percentile)1 Credit & ESG Medium risk Medium risk Rating (27.9) (22.4) Agencies D D 56/100 62/100 st st 1 in Qatar 1 in
Slide 33: QNB has been recognised for its sustainable, innovative and inclusive offerings
QNB has been recognised for its sustainable, innovative and inclusive offerings from internationally renowned institutions Selected Sustainability Awards and Performance Recognitions (2021-2022) • Outstanding Leadership in Sustainable Finance: 2022 • Outstanding Leadership in Social Bonds: 2022 • Ou
Slide 34: QNB continue to enhance the GSSB framework to support sustainable financing efforts
QNB continue to enhance the GSSB framework to support sustainable financing efforts QNB issued a USD 600m debut green bond Environmental Impact First Green Bond issued in the State of Qatar Largest conventional green bond issued by a bank in the GCC2 486k tCO2e Listed on London Stock Exchange
Slide 35: The GSSB framework has clearly defined use of proceeds categories
The GSSB framework has clearly defined use of proceeds categories for green and social projects to facilitate positive impact Green Bond Use of Proceeds Categories Social Bond Use of Proceeds Categories Green buildings Renewable energy Clean transportation Access to essential Socio-economic New and
Slide 36: Sustainable finance at a glance
Sustainable finance at a glance As at 31 December 2021 Financing Customer experience QR10.25 billion 34 77.2% Lending portfolio Number of sustainable Digital transactions financing financial products and (online & mobile environmentally friendly, services offered to as a % of total) low carbon activ
Slide 37: Sustainable operations at a glance
Sustainable operations at a glance As at 31 December 2021 Climate impact Gender diversity 16.5% 17% 0.91 Reduction in energy % Women Board Female/ consumption (CO2) since 2017 members in our male pay subsidiaries ratio -1.26 tonnes CO2 per employee 32% 47% Reduction in carbon intensity since 2015 %
Slide 38: Economic Overview
3< QNB Economic Overview
Slide 39: Qatar is strategically located between Europe and Asia and possesses one of the largest gas reserves
Qatar is strategically located between Europe and Asia and possesses one of the largest gas reserves in the world Comments • Qatar is a peninsula located in the Persian Gulf and is a member of the Gulf Cooperation Council (GCC) • Qatar’s total population is around 2.8 million • Qatar is endowed with
Slide 40: Qatar's hydrocarbon production generates significant wealth via exports
Qatar’s hydrocarbon production generates significant wealth via exports and has fueled substantial current account surpluses Hydrocarbon production Current account surplus Mn boe Cumulative, USD Bn 5.5 400 5.0 350 4.5 300 4.0 3.5 250 3.0 200 2.5 2.0 150 1.5 100 1.0 50 0.5 0.0 0 2000 2005 2010 2015 2
Slide 41: The development of Qatar's vast hydrocarbon reserves make it one of the richest countries
The development of Qatar’s vast hydrocarbon reserves make it one of the richest countries in the world Hydrocarbon reserves per capita (2021) GDP per capita (2021) k barrels of oil equivalent (boe) k USD PPP Qatar 144 Luxembourg 120 Kuwait 24 Singapore 106 UAE 14 Ireland 102 Venezuela 12 Qatar 95 Sa
Slide 42: Qatar introduced the Qatar National Visions 2030
Qatar introduced the Qatar National Visions 2030 (QNV 2030) with the aim to transform the country into a knowledge-based economy QNV 2030 Comments QNV 2030 aims to promote diversification away from oil and foster human, social, economic and environmental Knowledge based development: economy Human de
Slide 43: Qatar will increase its LNG production by 64%
Furthermore, Qatar will increase its LNG production by 64%, maintaining its position as the world’s largest exporter Qatar’s current and expected share of global LNG market • Globally Qatar is the largest LNG exporter with a market share of 20- 30% of total LNG exports Million metric tons per annum
Slide 44: Qatar's transformation supported by major infrastructure and investment spending programmes
Qatar’s transformation has been supported by a range of major infrastructure and investment spending programmes Major projects spending (USD Bn) Major Projects Completed* 27 Hamad International Ashghal Major Hamad Port 24 Airport Projects 21 22 19 20 FIFA World Cup 17 17 Education City Msheireb Down
Slide 45: Qatar has maintained a substantial trade surplus despite oil price volatility
Qatar has maintained a substantial trade surplus with exports much greater than imports despite oil price volatility during diversification Trade surplus, exports, imports (USD Bn) and oil price (USD/barrel) Diversification Phase 111 112 109 103 99 Trade 102 102 96 71 98 surplus 71 87 64 53 55 45 43
Slide 46: Qatar's diversification and expansion efforts will continue and deliver strong economic growth
Qatar’s diversification and expansion efforts will continue and deliver strong economic growth today as well as in the coming years Real GDP forecast (% y-o-y) Consensus 2022 (f) IMF 2023 – 2017 (f) 6.6 3.8 2.8 Ø 4.6 2.7 2.5 3.2 1.7 2023 2024 2025 2026 2027 Lowest Highest Average of all forecasts So
Slide 47: Qatar is one of the highest rated sovereigns in the world
Given its wealth and stable outlook, Qatar is one of the highest rated sovereigns in the world Moody’s Sovereign Ratings* AAA US, Germany, Canada, Australia, N Zealand, Switz’nd, Norway, Sweden, Denmark, Neth’lands, Lux’bourg, Singapore Aa1 Austria, Finland Aa2 France, South Korea, Faroe Islands Aa3
Slide 48: Qatar's banking and financial system remains resilient and healthy
Qatar’s banking and financial system remains resilient and healthy Financial Soundness Indicators (2018-2021, %) 2018 2019 2020 2021 Capital Adequacy Tier 1 capital/risk-weighted assets 17.0 17.5 17.6 18.0 Regulatory capital/risk-weighted assets 18.0 18.6 18.8 19.2 Asset Quality Non-performing loans
Slide 49: Disclaimer
Disclaimer By attending the meeting where this presentation is made, or by reading the presentation slides, you agree to be bound by the following limitations: – These materials contain statements about future events and expectations that are forward-looking statements. – These statements typically