Pt Bank Qnb Indonesia Tbk · IDX:BKSW
Pt Bank Qnb Indonesia Tbk — QNB Group — Investor Presentation (December 2018)
32 slides from Pt Bank Qnb Indonesia Tbk's investor presentation, December 2018
Slide 1: Investor Relations Presentation
Investor Relations Presentation December 2018
Slide 2: Contents
Contents 1. QNB at a Glance 2. QNB Comparative Positioning – Qatar and MEA 3. Financial Highlights – as at 31 December 2018 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,
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 29,000 emplo
Slide 5: QNB's International Footprint
QNB's International Footprint Sub-Saharan Africa Middle East South Sudan: (1 Branch) Qatar: (61 Branches) Togo: (927 Branches1, 20.1% stake in KSA: (1 Branch) Ecobank) UAE: (13 (+12) Branches, 40.0% stake Asia in CBI) Indonesia: (37 Branches, 90.96% 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 – December 2018
Top 5 Domestic Banks – December 2018 QNB continues to excel in the domestic market Assets Loans 236.8 168.2 42.1 37.1 28.1 23.0 26.7 26.4 19.8 16.4 Deposits Net Profit 169.4 3.79 27.6 0.76 0.59 19.6 16.9 15.2 0.46 0.23 Note: All amounts are in USD billions 7 Source: Banks’ December 2018 Press Releas
Slide 8: Top MEA Banks – December 2018
Top 5 MEA Banks – December 2018 QNB maintained its position as the leading bank in the region across all categories Assets Loans 236.8 168.2 202.6 148.9 136.2 96.2 91.4 120.9 70.7 69.5 Deposits Net Profit 169.4 3.79 3.27 126.7 2.84 2.74 2.73 94.7 85.5 85.0 Note: All amounts are in USD billions Sourc
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 December 2018
Financial Highlights – as at 31 December 2018
Slide 11: QNB demonstrate sustainable profit growth
QNB demonstrate sustainable profit growth Financial Highlights (as at 31 December 2018) Growth vs. December 2017 • Net interest margin (NIM)2: 2.61% • Cost to income ratio: 25.8% Profit1 • USD3.8 billion +5% • Earnings per share: USD 3.9 • ROAA: 1.65% • USD236.8 billion assets +6% • NPL (% of gross
Slide 12: QNB ALAHLI
QNB ALAHLI Highlights (as at 31 December 2018) Growth vs. December 2017 • Net interest margin (NIM)2: 5.04% • USD329.0 million +18% Profit1 • Cost to income ratio: 28.7% (EGP5.8 billion) (+18%) • ROAA: 2.4% • USD14.5 billion assets +15% (EGP259.7 billion) (+16%) • NPL (% of gross loans): 2.2% Assets
Slide 13: QNB FINANSBANK
QNB FINANSBANK Highlights (as at 31 December 2018) Growth vs. December 2017 • Net interest margin (NIM)2: 5.03% • USD527.4 million +13% • Cost to income ratio: 38.0% Profit1 (TRY2.6 billion) (+50%) • ROAA: 1.6% • USD31.7 billion assets -10% (TRY167.6 billion) (+25%) • NPL (% of gross loans): 5.2% As
Slide 14: Increasing geographical diversification positively contributes to growth
Increasing geographical diversification positively contributes to growth Geographical Contribution (as at 31 December) Domestic International % Share of International as percentage of the total Net Profit1 Loans Deposits USD billion USD billion USD billion 3.79 168.2 169.4 3.61 160.5 160.8 3.40 143.
Slide 15: Consistent High Profitability
Consistent High Profitability Income Statement Breakdown (USD billion as at 31 December) Net Profit1 Operating Income2 Net Interest Income % RoAE % Cost to Income Ratio % Net Interest Margin3 5 yrs: 8% 5 yrs: 11% 3.79 6.74 5 yrs: 10% 3.61 6.34 6.30 5.23 3.40 4.91 4.91 3.09 2.87 4.34 4.47 3.37 3.50 2
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 31 December) Total Assets Evolution 2018 Split of Assets (%) USD billion By Type By Currency 236.8 Cash and 5 yrs: 14% 222.8 QAR 38.7 Balances with 7.5 197.7 Central Banks USD 34.0 Due from 7.1 Banks TRY 5.6
Slide 17: Good loan growth
Good loan growth Loans Analysis (as at 31 December) Total Loans Evolution 2018 Split of Loans (%) USD billion By Geography By Sector1 168.2 Qatar 71.2 Govt. & Govt. 42.7 5 yrs: 15% 160.5 Agencies 143.0 Turkey 11.9 Services/ 28.0 Commerce 106.7 Egypt 4.7 Industry 6.4 92.9 Europe 4.4 Real Estate & 11.
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 31 December) Non Performing Loans (NPL) by Segment • QNB has continued to x Total NPL’s increase its provisions in USD million response to the global 2,600 2,871 3,348 economic situation 1,382 • The bank’s
Slide 19: High quality investment portfolio with 88% of securities rated AA or Sovereign
High quality investment portfolio with 88% of securities rated AA or Sovereign Investments Analysis (USD million as at 31 December 2018) Fair Value Through Other Comprehensive Income Amortised Cost Quoted Fixed rate Unquoted Floating rate State of Qatar 5,780 State of Qatar 3,025 Sovereign Debt 0 So
Slide 20: Robust growth in customer deposits and funding
Robust growth in customer deposits and funding Funding Analysis (as at 31 December) Total Customer Deposits Evolution 2018 Split of Deposits (%) USD billion By Sector By Type By Geography 5 yrs: 13% Qatar 56.3 169.4 Govt. & Time 160.8 Govt. Agencies 30.6 81.2 Deposits GCC 2.1 139.2 Europe 17.8 Savin
Slide 21: Solid liquidity profile
Solid liquidity profile Liquidity Analysis (as at 31 December) Loans to Deposits Ratio Evolution 2018 Sources of Liquidity % % of total liabilities 98.3 102.7 99.8 99.3 94.6 Due to 9.4 Banks Customer 79.7 Deposits Debt 3.4 Securities 2014 2015 2016 2017 2018 Other 3.2 Borrowings Liquid Assets1 Evolu
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 31 December) Total Equity1 Evolution Basel III Capital Adequacy Ratio USD billion x Gearing2 % 22.7 19.0 20.2 18.4 16.5 15.4 (QCB) 2016 2017 2018 2017 2018 10.7 11.1 10.4 • Capital base has bee
Slide 23: Diversifying business mix will bolster sustainable growth
Diversifying business mix will bolster sustainable growth Business Mix Contribution (% share as at 31 December 2018) Lines of Business Net Profit1 Op. Income Loans Deposits 85 78 89 77 • Maintain dominant domestic Group market share Corporate • Grow international contribution • Nurture SME business
Slide 24: IFRS Implementation: Additional buffer for long term earnings stability
IFRS 9 Implementation: Additional buffer for long term earnings stability Financial Impacts • QNB implemented IFRS 9 with effect from 1 January 2018 based on the QCB guidelines. • As per QCB instructions, ECL impact has been treated as Tier 2 Capital for CAR purposes with no amortisation of the tran
Slide 25: QNB Group Financials
QNB Group Financials Key data (as at 31 December 2018) QNB QNB incl. QNB ALAHLI QNB incl. QNB Finansbank % Contribution of QNB AA % Contribution of QNB Finansbank Financials Ratios Presence USD billion 3.79 237 23.7% 104% 29,959 100% 209 20.2% 91% 3.15 197 19.0% 2.85 168 169 149 152 141 141 16,486 9
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 (2017) GDP per capita (2017) k barrels of oil equivalent (boe) k USD PPP Qatar 62.8 Qatar 125 Kuwait 25.3 Luxembourg 106 UAE 13.1 Singapore 94 Venezuela 10.8 Brunei 78 Saudi Arabia 9.7 Ireland 76 Libya 8.
Slide 28: Qatar accumulated large reserves during its hydrocarbon expansion and is now using these reserves to diversify the economy
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 30% Hydrocarbon Phase 25% Diversification Phase 20% 15% 10% Qatar’s National 5% V
Slide 29: Qatar's National Vision 2030 is supported by a large infrastructure investment programme
Qatar’s National Vision 2030 is supported by a large infrastructure investment programme Major Projects Pipeline as of September 2018 Budget Project End (bn USD) Lusail Mixed-Use 45.0 2022 Comments Development truction • New investment sectors are opening up to Cons- Education City 8.8 2019 support
Slide 30: Qatar's fundamentals resilient despite the blockade
Qatar’s fundamentals resilient despite the blockade Qatar (USD bn, 12-month sum) Financial Soundness Indicators (2015-2017, %) Capital Adequacy 2015 2016 2017 Exports Imports Tier 1 capital/ risk-weighted assets 15.2 15.7 16.5 9 Regulatory capital/ risk-weighted assets 15.6 16.1 16.8 8 Asset Quality
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