Pt Bank Qnb Indonesia Tbk · IDX:BKSW
Pt Bank Qnb Indonesia Tbk — Investor Presentation (June 2019)
32 slides from Pt Bank Qnb Indonesia Tbk's investor presentation, June 2019
Slide 1: Investor Relations Presentation
Investor Relations Presentation June 2019
Slide 2: Contents
Contents 1. QNB at a Glance 2. QNB Comparative Positioning – Qatar and MEA 3. Financial Highlights – as at 30 June 2019 4. 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 certain cases, numb
Slide 3: QNB at a Glance
QNB at a Glance
Slide 4: QNB is a strong and highly rated bank with a growing international footprint
QNB is a strong and highly rated bank with a growing international footprint #1 bank in the Middle East and Africa across all financial metrics International network with presence in more than 31 countries Most valuable banking brand in the Middle East and Africa, worth USD 5.0 Bn1 Over 30,000 emplo
Slide 5: QNB's International Footprint
QNB's International Footprint Sub-Saharan Africa Middle East South Sudan: (1 Branch) Qatar: (63 Branches) Togo: (888 Branches1, 20.1% stake in KSA: (1 Branch) Ecobank) Asia UAE: (11 (+12) Branches, 40.0% stake in CBI) Indonesia: (27 Branches, 92.48% stake Syria: (15 (+312) Branches, 50.8% stake In Q
Slide 6: QNB Comparative Positioning – Qatar and MEA
QNB Comparative Positioning – Qatar and MEA
Slide 7: Top Domestic Banks – June 2019
Top 5 Domestic Banks – June 2019 QNB continues to excel in the domestic market Assets Loans 243.5 174.3 42.5 38.8 29.4 23.3 28.2 27.7 20.6 16.7 Deposits Net Profit 177.3 2.03 29.6 0.39 0.30 21.1 17.7 15.3 0.26 0.14 Note: All amounts are in USD billions 7 Source: Banks’ June 2019 Press Release or Fin
Slide 8: Top MEA Banks – June 2019
Top 5 MEA Banks – June 2019 QNB maintained its position as the leading bank in the region across all categories Assets Loans 243.5 174.3 211.0 148.0 145.2 99.6 127.6 94.1 73.7 70.3 Deposits Net Profit 177.3 2.03 2.02 1.72 125.8 1.46 1.38 99.0 87.3 86.3 Note: All amounts are in USD billions Source: B
Slide 9: QNB is the leading financial institution in the MEA region with regards to brand value and market capitalisation
QNB is the leading financial institution in the MEA region with regards to brand value and market capitalisation Brand value and market capitalisation (USD Bn as at 31-Dec-18) Top MEA banking brands Top MEA banks by market capitalisation 5.04 49.5 4.04 41.7 3.89 38.1 2.92 37.9 2.47 26.0 Source: Bran
Slide 10: Financial Highlights – as at June 2019
Financial Highlights – as at 30 June 2019
Slide 11: QNB demonstrate sustainable profit growth
QNB demonstrate sustainable profit growth Financial Highlights (as at 30 June 2019) Growth vs. June 2018 • Net interest margin (NIM)2: 2.60% Profit1 • USD2.03 billion +4% • Cost to income ratio: 25.6% • Earnings per share: USD 0.2 • USD243.5 billion assets +5% • NPL (% of gross loans): 1.9% Assets •
Slide 12: QNB ALAHLI
QNB ALAHLI Highlights (as at 30 June 2019) Growth vs. June 2018 • USD198.9 million +25% • Net interest margin (NIM)2: 5.56% Profit1 (EGP3.4 billion) (+22%) • Cost to income ratio: 29.4% • USD15.2 billion assets +13% (EGP253.8 billion) (+6%) • NPL (% of gross loans): 2.2% Assets • USD8.7 billion loan
Slide 13: QNB FINANSBANK
QNB FINANSBANK Highlights (as at 30 June 2019) Growth vs. June 2018 • USD246.3 million -17% • Net interest margin (NIM)2: 4.53% Profit1 (TRY1.4 billion) (+14%) • Cost to income ratio: 42.1% • USD31.6 billion assets -9% (TRY182.1 billion) (+14%) • NPL (% of gross loans): 5.0% Assets • USD19.3 billion
Slide 14: Increasing geographical diversification positively contributes to growth
Increasing geographical diversification positively contributes to growth Geographical Contribution (as at 30 June) Domestic International % Share of International as percentage of the total Net Profit1 Loans Deposits USD billion USD billion USD billion 2.03 174.3 177.3 1.95 166.6 169.5 1.83 151.7 15
Slide 15: Consistent High Profitability
Consistent High Profitability Income Statement Breakdown (USD billion as at 30 June) Net Profit1 Operating Income2 Net Interest Income % Cost to Income Ratio % Net Interest Margin3 5 yrs: 8% 5 yrs: 10% 5 yrs: 11% 2.03 3.34 3.45 1.95 1.83 3.17 2.59 2.70 1.72 3.02 2.44 2.36 1.53 2.26 1.75 2015 2016 20
Slide 16: Good asset growth driven by lending activities mainly in QAR and USD
Good asset growth driven by lending activities mainly in QAR and USD Assets Analysis (as at 30 June) Total Assets Evolution 2019 Split of Assets (%) USD billion By Type By Currency 5 yrs: 14% 243.5 Cash and 231.9 Balances with 8.1 QAR 30.1 211.0 Central Banks 190.0 USD 41.4 Due from 7.6 Banks TRY 4.
Slide 17: Good loan growth
Good loan growth Loans Analysis (as at 30 June) Total Loans Evolution 2019 Split of Loans (%) USD billion By Geography By Sector1 174.3 Qatar 72.7 Govt. & Govt. 37.3 5 yrs: 14% 166.6 Agencies 151.7 Turkey 11.0 Services/ 136.4 33.8 Commerce Egypt 5.0 Industry 6.2 97.8 Europe 3.8 Real Estate & 11.5 Co
Slide 18: High quality lending portfolio is highlighted by low NPL ratios
High quality lending portfolio is highlighted by low NPL ratios Asset Quality Analysis (as at 30 June) Non Performing Loans (NPL) by Segment • QNB has continued to x Total NPL’s increase its provisions in USD million response to the global 2,871 3,348 3,383 economic situation 1,382 1,410 • The bank’
Slide 19: High quality investment portfolio with 91% of securities rated AA or Sovereign
High quality investment portfolio with 91% of securities rated AA or Sovereign Investments Analysis (USD million as at 30 June 2019) Fair Value Through Other Comprehensive Income Amortised Cost Quoted Fixed rate Unquoted Floating rate State of Qatar 6,810 State of Qatar 2,355 Sovereign Debt 0 Sovere
Slide 20: Robust growth in customer deposits and funding
Robust growth in customer deposits and funding Funding Analysis (as at 30 June) Total Customer Deposits Evolution 2019 Split of Deposits (%) USD billion By Sector By Type By Geography 5 yrs: 13% Qatar 57.4 177.3 Govt. & Time 169.5 Govt. Agencies 29.6 80.1 Deposits 154.4 GCC 1.9 134.2 Europe 19.1 Sav
Slide 21: Solid liquidity profile
Solid liquidity profile Liquidity Analysis (as at 30 June) Loans to Deposits Ratio Evolution 2019 Sources of Liquidity % % of total liabilities 101.7 98.3 98.3 98.3 94.4 Due to 8.5 Banks Customer 80.9 Deposits Debt 4.1 Securities 2015 2016 2017 2018 2019 Other 3.2 Borrowings Liquid Assets1 Evolution
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 June) Basel III Capital Adequacy Ratio % 18.4 17.5 16.0 (QCB) 12.8 13.0 (QCB) 11.0 (QCB) CET 1 Tier 1 Total CAR • Capital adequacy ratio is above QCB and Basel III requirements including the
Slide 23: Diversifying business mix will bolster sustainable growth
Diversifying business mix will bolster sustainable growth Business Mix Contribution (% share as at 30 June 2019) Lines of Business Net Profit1 Op. Income Loans Deposits 81 74 90 76 • Maintain dominant domestic Group market share Corporate • Grow international contribution • Nurture SME business in Q
Slide 24: IFRS 9 - Additional buffer for long term earnings stability
IFRS 9 - Additional buffer 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 June 2019) QNB QNB incl. QNB ALAHLI QNB incl. QNB Finansbank % Contribution of QNB AA % Contribution of QNB Finansbank Financials Ratios Presence USD billion 2.03 244 23.0% 106% 30,025 102% 1.76 216 19.6% 94% 203 1.58 18.4% 174 177 159 147 155 147 16,458 9,727
Slide 26: Economic Overview
Economic Overview
Slide 27: Qatar's hydrocarbon wealth makes it the world's richest country
Qatar’s hydrocarbon wealth makes it the world’s richest country Oil and gas reserves per capita (2018) GDP per capita (2018) k barrels of oil equivalent (boe) k USD PPP Qatar 62.7 Qatar 130 Kuwait 24.4 Luxembourg 107 UAE 12.7 Singapore 100 Venezuela 11.7 Brunei 80 Saudi Arabia 10.0 Ireland 79 Libya
Slide 28: Qatar accumulated large reserves during its hydrocarbon expansion
Qatar accumulated large reserves during its hydrocarbon expansion and is now using these reserves to diversify the economy through major investments Real GDP Growth by Sector %, year-on-year Hydrocarbon Non-Hydrocarbon Hydrocarbon Phase 30 25 Diversification Phase 20 15 10 Qatar’s National Vision 20
Slide 29: Qatar's National Vision 2030 supported by infrastructure investment programme
Qatar’s National Vision 2030 is supported by a large infrastructure investment programme Major Projects Pipeline as of June 2019 Budget Project End (USD Bn) Lusail Mixed-Use Comments 45.0 2025 Development • New investment sectors are opening up to truction Cons- Education City 8.9 2019 support self
Slide 30: Qatar's fundamentals resilient despite the blockade
Qatar’s fundamentals resilient despite the blockade Qatar (USD Bn) Financial Soundness Indicators (2016-2018, %) Exports Imports Capital Adequacy 2016 2017 2018 9 Tier 1 capital/risk-weighted assets 15.7 16.5 17.0 8 Regulatory capital/risk-weighted assets 16.1 16.8 18.0 7 Asset Quality 6 Non-perform
Slide 31: Qatar is one of the highest rated sovereigns in the world
Qatar is one of the highest rated sovereigns in the world, ranking above a number of advanced economies Moody’s Sovereign Ratings1 AAA US, Germany, Canada, Australia, N Zealand, Switz’nd, Norway, Sweden, Denmark, Neth’lands, Lux’bourg, Singapore Aa1 Austria, Finland Aa2 UK, France, South Korea, Hong
Slide 32: 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
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