Pt Bank Permata Tbk Class A · IDX:BNLI

Pt Bank Permata Tbk Class A — PermataBank — Public Expose 2021

47 slides from Pt Bank Permata Tbk Class A's conference presentation, 2021

  1. Slide 1: Public Expose 2021

    EXPOSE 2021 af PermataBankNP PUBLIC

  2. 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

  3. Slide 3: Sekilas PermataBank

    SEKILAS PERMATABANK

  4. Slide 4: Sejak 1990 di Bursa Efek Jakarta dan Bursa Efek Surabaya

    Sejak 1990 di Bursa Efek Jakarta dan Bursa Efek Surabaya (saat ini telah bergabung dan dikenal sebagai Bursa Efek Indonesia BEI) Rp 55 Triliun

  5. Slide 5: Bangkok Bank menyelesaikan Proses Akuisisi

    Bangkok Bank Bangkok Bank Penyelesaian Bank Permata Bank Permata menyelesaikan menyelesaikan Integrasi Bangkok resmi menjadi menyelesaikan Proses Akuisisi MTO (Mandatory Bank Kantor Bank BUKU IV. proses PUT IX Bank Permata Tender Offer) yang Cabang Indonesia sebesar Rp 11 dengan porsi membuat porsi

  6. Slide 6: Salah Satu dari Bank Terbaik di Indonesia

    SALAH SATU DARI 10 BANK TERBAIK DI INDONESIA CITY COVERAGE KANTOR KANTOR 62 CABANG KAS 257 15 NASABAH DIGITAL MODEL MOBILE ~ 4,2 juta BRANCH BRANCH 4 4 42 under construction JUMLAH STAFF CABANG CALL CENTER & ~ 8,000 SHARIAH TELESALES 22 4

  7. Slide 7: Dewan Komisaris

    CHARTSIRI SOPHONPANICH CHONG TOH NIRAMARN LAISATHIT HARYANTO SAHARI Komisaris Utama Komisaris Komisaris Komisaris Independen RAHMAT WALUYANTO GOEI SIAUW HONG YAP TJAY SOEN Komisaris Independen Komisaris Independen Komisaris Independen

  8. Slide 8: Direksi

    CHALIT TAYJASANANT LEA KUSUMAWIJAYA ABDY SALIMIN DHIEN TJAHAJANI DARWIN WIBOWO Direktur Utama Direktur Keuangan Direktur Teknologi & Direktur Kepatuhan Direktur Wholesale Bank Operasional DJUMARIAH TENTERAM HERWIN BUSTAMAN SUWATCHAI SONGWANICH DAYAN SADIKIN Direktur Retail Bank Direktur Shariah Bank

  9. Slide 9: Visi dan Nilai-Nilai Perusahaan

    VISI DAN NILAI-NILAI PERUSAHAAN VIS] PERUSAHAAN Menjadi Bank pilihan dengan terus membina kemitraan dan menciptakan nilai bermakna bagi stakeholder. INTEGRITY Kita bekerja dengan mengutamakan kejujuran sesuai dengan kode etik perusahaan. PARTNERSHIP Kita saling memahami dan bersama-sama membangun hu

  10. Slide 10:              

                            

  11. Slide 11: Dukungan Pemegang Saham Pengendali PermataBank

    DUKUNGAN PEMEGANG SAHAM PENGENDALI PERMATABANK Sinergi Antara Bangkok Bank dan PermataBank Memaksimalkan Potensi Bisnis Korporasi dan UKM Meningkatkan pangsa pasar nasabah korporasi, UKM dan konglomerasi baru di Indonesia dan luar negeri dimana Bangkok Bank beroperasional. | AA Strategi Group dan Un

  12. Slide 12: Kinerja Keuangan

    KINERJA KEUANGAN

  13. Slide 13: Penurunan Suku Bunga acuan meningkatkan pertumbuhan domestik

    Penurunan Suku Bunga acuan Tren penurunan tingkat Inflasi terus terjadi meningkatkan pertumbuhan domestik sepanjang 2021 Nilai Tukar Rupiah mulai menguat sejak Pertumbuhan GDP mulai positif seiring masuknya dana asing ke Indonesia meningkatnya kegiatan ekonomi

  14. Slide 14: Kinerja PermataBank Semester 2021

    KINERJA PERMATABANK SEMESTER 1 2021 Profitabilitas Terus Tumbuh dengan Tetap Menjalankan Prinsip Kehati-Hatian PENDAPATAN SEBELUM PROVISI (PPOP) Rp Miliar A36.6% Yor 2.343 1.714 Jun-20 Jun-21 LABA BERSIH Rp Miliar A74.3% YoY 639 366 Jun-20 Jun-21 14

  15. Slide 15: Kinerja PermataBank Semester 2021: NIM and Cost-to-Income

    KINERJA PERMATABANK SEMESTER 1 2021 Rasio Pendapatan dan Biaya yang Terjaga Melalui Proses Digitalisasi NET INTEREST MARGIN 10.0 bps yoy 4.4% Jun-20 Sep-20 Des-20 Mar-21 Jun-21 57.5% Jun-20 COST-to-INCOME RATIO V480 bps yoy 59.8% 59.5% 58.7% 52.7% Sep-20 Des-20 Mar-21 Jun-21 15

  16. Slide 16: Kinerja PermataBank Semester 2021: Aset dan Kredit

    KINERJA PERMATABANK SEMESTER 1 2021 Pertumbuhan Aset dan Kredit yang Sehat Ditengah Kondisi Pandemi TOTAL ASET Rp Trilliun A34.8% Yoy 213.0 197.7 158.0 Jun-20 Des-20 Jun-21 103.7 2S) 48.4 52.7 Jun-20 TOTAL KREDIT Rp Trilliun 416.6% yoy 118.1 120.8 2.9 44.2 73.7 Des-20 Jun-21 mWholesale mRetail = Oth

  17. Slide 17: Restrukturisasi Kredit Terkait Dampak Pandemi Covid-19

    KINERJA PERMATABANK SEMESTER 1 2021 Restrukturisasi Kredit Terkait Dampak Pandemi Covid-19 RESTRUKTURISASI KREDIT 9.7% Total Kredit Restruktur Covid-19 per Juni 2021 Rp 11.8 T 90.3% = Kredit Restruktur Covid-19 | = Kredit Non-Restruktur RESTRUKTURISASI KREDIT per SEGMENT Total Kredit Restruktur Covi

  18. Slide 18: Rasio NPL Tetap Terjaga

    KINERJA PERMATABANK SEMESTER 1 2021 Rasio NPL Tetap Terjaga dengan Pengelolaan Kredit Risiko yang Tepat NPL GROSS V43 bps yoy 1.8% Jun-20 Des-2020 Jun-21 =Coll1 mColl2 mGross NPL -@ Net NPL CADANGAN KERUGIAN PENURUNAN NILAI (CKPN) 2.00% maCKPN/NPL @L/ENR Jun-20 A106%yoy 2.50% 218% Des-20 Jun-21 18

  19. Slide 19: Pertumbuhan Dana Pihak Ketiga

    KINERJA PERMATABANK SEMESTER 1 2021 Pertumbuhan Dana Pihak Ketiga Berasal dari Dana Murah CASA DANA PIHAK KETIGA Rp Trilliun 425.0% yoy 155.6 145.6 124.5 71.1 59.7 64.8 toes Jun-20 Des-2020 Jun-21 =CASA = Deposito RASIO CASA 54.4% 52.1% 50.8% 51.2% 51.6% Jun-20 Sep-20 Des-20 Mar-21 Jun-21 RASIO LOAN

  20. Slide 20: Rasio Permodalan yang Terjaga Ketat

    KINERJA PERMATABANK SEMESTER 1 2021 Rasio Permodalan yang Terjaga Ketat CAR CET-1 % % 41,417 bps yoy A668 bps yoy 35.7% 35.5% 26.9% 26.9% 21.3% 20.2% Jun-20 Des-20 Jun-21 @CET-1 @CAR TOTAL CAPITAL TIER-1 CAPITAL Rp Trilliun A91.3% yoy 42.8 1.30 23.0 1.20 415 VAR) Jun-20 Des-20 @Tier-1 Capital Rp Tri

  21. Slide 21: Aksi Korporasi: Penyelesaian PUT IX

    AKSI KORPORASI Penyelesaian Penawaran Umum Terbatas (PUT) IX PermataBank telah menyelesaikan PUT IX pada tanggal 26 Juli 2021 Seluruh jumlah saham kelas B yang ditawarkan kepada pemegang saham Bank sejumlah 8.138.620.315 lembar saham telah secara penuh dialokasikan sesuai permintaan pemegang saham d

  22. Slide 22: Kinerja Bisnis: Retail Bank

    KINERJA BISNIS RETAIL BANK

  23. Slide 23: Retail Bank: Key Ecosystem Strategic Partnership

    RETAIL BANK Key Ecosystem Strategic Partnership to Build Scale and Growth Z be Mandaya qv Hospital Group MOU with Mandaya Hospital providing one-stop banking solution for financing, cash management, payroll, QR pay, etc a Bi adomort) Cash withdrawal for our Customers at more than 18,000 Indomaret ou

  24. Slide 24: Kinerja Bisnis: Wholesale Bank

    KINERJA BISNIS WHOLESALE BANK

  25. Slide 25: Wholesale Bank

    WHOLESALE BANK Continue Building Relationships for Prudent and Healthy Credit Growth Partnership providing the first in Indonesia blockchain-based trade finance platform. Digitizing BPR payment processes with Permata API Banking. Hosted virtual webminars to continually engage and assist Customers du

  26. Slide 26: Kinerja Bisnis: Shariah Bank

    KINERJA BISNIS SHARIAH BANK

  27. Slide 27: Shariah Bank

    SHARIAH BANK Continue Providing Digital Solution Supporting Customers during Pandemic PermataMobile X mobile banking super app for Shariah Banking. Revamped PermataNet internet banking for Shariah delivering great customer experience. Permata API Banking digitizing BPRS facilitating faster and effic

  28. Slide 28: Kinerja Kerja: Digital Banking

    KINERJA KERJA DIGITAL BANKING

  29. Slide 29: Slide 29

  30. Slide 30: Layanan Digital Terlengkap di Perbankan Indonesia

    API BANKING 153 tipe API untuk pembukaan rekening, pembayaran, transfer, mutasl, rekonsiliasi, dll BLOCKCHAIN TRADE FINANCE Menggunakan teknologi blockchain INTERNET BANKING PermataNet Permata e-Business CORPORATE WEBSITE permatabank.com LAYANAN DIGITAL TERLENGKAP DI PERBANKAN INDONESIA QR PAY QRIS

  31. Slide 31: PermataBank All Things Digital

    PERMATABANK ALL THINGS DIGITAL Common Digital Platform Supporting All Channels bile banking super app Exciting promo ‘Transferto Mobile Share receipt Permatae-Business Shopping Allaccounts inone app Transaction history PermataTel dan Voice ID ui g a = Ae PermataSMS Permatae-Value AS 6, Navigator Cha

  32. Slide 32: PermataBank Physical Channels

    PERMATABANK PHYSICAL CHANNELS Remodel, Redefine and Reposition Branch Network to Optimize Return From Service to Sales focused Bigger and better customer area Sales / advisory focused Consistent product, service and experience offerings Wealth and SME Business Centers On-line/off-line to off-line/on

  33. Slide 33: FYF FYF FYF

    FYF FYF 2021 2021 FYF FYF 2021 2021

  34. Slide 34: Channel transaction mix 2016 to Jul 2021

    2016 2017 2018 2019 2020 as of Jul 2021 API - - 31% 38% 44% 68% PermataMobile X 5% 5% 5% 24% 30% 19% ATM 59% 58% 38% 20% 11% 4% Permata e-Bisiness 10% 12% 10% 7% 6% 3% permatabank.com 3% 5% 3% 2% 3% 1% QR - - - - 0.2% 1% Point of Sale 1% 1% 2% 2% 2% 1% PermataNet 0.2% 0.2% 0% 1.0% 1.3% 0.9% Call Cen

  35. Slide 35: PermataBank API is Now Our Major Channel

    PERMATABANK API is NOW OUR MAJOR CHANNEL for NEW SALES, SERVICES and TRANSACTION API VOLUME by TYPE MONTHLY API VOLUME 01/2019 — 06/2021 TRANSACTION 55% 33% SERVICES + Payment * Balance inquiry * Top-up H1 2021 * Transaction inquiry + Transfer * Notification API Volume (#) 758M + Reconciliation * Ot

  36. Slide 36: Layanan Digital Self-Service

    LAYANAN DIGITAL SELF-SERVICE Strong Usage and Adoption (# of Transactions) PermataMobile X & PermataNet API BANKING 74.33 M 210.06 M 62.14M 43.85 M 105.53 M 64.88 M 28.97 M aE 2016 2017 2018 2019 2020 H1 2021 2016 2017 2018 2019 2020 H1 2021 Permata e-Business permatabank.com 6.58 M 13.42 M 12.01M 9

  37. Slide 37: Layanan Digital Self-Service: Moving Towards Digital Channels

    LAYANAN DIGITAL SELF-SERVICE Transactions Continued Moving Away from Physical towards Digital Channels QR & POINT-of-SALE Al VOICE RECOGNITION & IVR 4.75 M 279M 4.36 M 2.60 M 2.48 M 231M 2.40 M 3.52M 162M 1.04M a = LJ 2016 2017 2018 2019 2020 H1 2021 2016 2017 2018 2019 2020 H1 2021 ATM BRANCH 40.02

  38. Slide 38: PermataBank not just a traditional bank

    he 3: 24 ~y : ae = | ad = °) Gai PermataBank not just a traditional bank Hai Ferdiana, Ini adalah rangkuman akun Rp 177,000,000

  39. Slide 39: Corporate Social Responsibility & Awards

    CORPORATE SOCIAL RESPONSIBILITY & AWARDS

  40. Slide 40: Lea Kusumawijaya won 2021 Iconomics Inspiring Women Award

    Lea Kusumawijaya, Finance Director won 2021 ICONOMICS INSPIRING WOMEN AWARD. Best Disclosure & Transparency category.

  41. Slide 41: Corporate Social Responsibility

    CORPORATE SOCIAL RESPONSIBILITY Strategic Schools and @ Student Total o Partners Communities a; Scholarship iat Beneficiaries AR 45 566 i 7,513 ®&’ 93,000+ & 6 PERMATAYOUTHPRENEUR if PERMATA BANKIR CILIK q 2 O@ Students mia smaysmak 7 79 Online training and development programs for SMA and SMAK stud

  42. Slide 42: Lampiran

    LAMPIRAN

  43. Slide 43: Balance sheet Jun-2020 to Jun-2021

    Rp Milyar Jun-2020 Sep-2020 Des-2020 Mar-2021 Jun-2021 YOY Cash 1.840 1.594 1.795 1.554 1.592 -22% Placement to BI 16.162 16.466 23.228 18.245 31.844 43% Placement with other Banks 5.549 3.981 3.735 5.217 6.431 -61% Marketable Securities 22.642 23.866 24.350 29.716 35.570 105% Reverse Repo 0.000 10.

  44. Slide 44: Income statement Jun-2020 to Jun-2021

    Rp Milyar Jun-2020 Sep-2020 Des-2020 Mar-2021 Jun-2021 YOY Net Interest Income 3,162 4,653 6,809 1,996 4,028 27% Non Interest Income 990 1,553 2,329 386 930 -6% Revenue 4,152 6,206 9,138 2,382 4,958 19% Staff costs 1,304 1,953 2,789 699 1,376 6% Promotion costs 49 56 120 23 56 15% Other cost 1,085 1

  45. Slide 45: Key ratios Jun-2020 vs Jun-2021

    Jun-2020 Jun-2021 Change CET-1 Ratio 20.18% 26.86% 7% Total CAR 21.26% 35.43% 14% CASA Ratio 52.07% 51.63% 0% Loan to Deposit Ratio (LDR) 80.69% 75.44% -5% ROA 0.93% 1.02% 0% ROE 3.47% 3.94% 0% BOPO 89.35% 86.01% -3% CIR 57.53% 52.73% -5% NIM 4.53% 4.43% 0% Gross NPL 3.74% 3.31% 0% Net NPL 1.80% 1.1

  46. Slide 46: Share price and valuation data

    Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Price (IDR) 1,265 1,035 1,270 1,160 3,020 2,050 1,945 PBV (X) 1.5 1.2 1.5 1.4 2.4 1.6 1.5 P/E Ratio 24 N/M 49 57 117 29 43 Market Cap (IDR TN) 35.5 29.0 35.6 32.5 84.7 57.5 54.5 Book Value 24,037 23,247 23,855 24,087 35,071 35,413 35,654

  47. Slide 47: PT Bank Permata Tbk Investor Relations Unit

    wp PermataBanlAY 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

PermataBank — Public Expose 2021 on 6ix