Pt Bank Qnb Indonesia Tbk · IDX:BKSW
Pt Bank Qnb Indonesia Tbk — QNB Group — Investor Presentation (December 2023)
53 slides from Pt Bank Qnb Indonesia Tbk's investor presentation, December 2023
Slide 1: Investor Relations Presentation
Investor Relations Presentation December 2023 Download our IR Application
Slide 2: Contents
Contents 1.QNB at a Glance 2.QNB Comparative Positioning – Qatar and MEA 3.Financial Highlights 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 certain cases, numbers may
Slide 3: QNB at a Glance
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 28 countries Most valuable banking brand in the Middle East and Africa, worth USD 7.7 Bn1 About 30,000 employees
Slide 5: QNB's International Footprint
QNB's International Footprint Sub-Saharan Africa Middle East Qatar: (48 Branches) South Sudan: (1 Branch) KSA: (2 Branches) Togo: (669 Branches3 across Africa, though 20.1% stake in Ecobank) UAE: (71 +11 Branches, 40.0% stake in CBI) Asia Syria: (8 +291 Branches, 50.8% stake in QNB Syria) Indonesia:
Slide 6: QNB Comparative Positioning – Qatar and MEA
QNB Comparative Positioning – Qatar and MEA
Slide 7: Top Listed Domestic Banks – December 2023
Top 5 Listed Domestic Banks – December 2023 QNB continues to excel in the domestic market Assets Loans 338.1 234.3 52.0 45.2 45.1 33.6 29.7 25.1 31.4 21.3 Deposits Net Profit 235.4 4.26 1.18 0.82 33.2 25.5 0.41 21.4 21.0 0.36 Note: All amounts are in USD billions Source: Banks’ December 2023 Press R
Slide 8: Top Listed MEA Banks – December 2023
Top 5 Listed MEA Banks – December 2023 QNB maintains its position as the leading bank in the region across all balance sheet categories Assets Loans 338.1 234.3 318.2 276.6 234.9 160.4 158.5 215.5 131.8 123.5 Deposits Net Profit 235.4 5.85 206.9 5.34 4.47 4.43 4.26 159.2 157.4 152.9 Note: All amount
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) Top MEA banking brands Key highlights • QNB retains the most valuable Banking Brand in Middle East and Africa region 7.67 • 2023 Brand Value for Group increased to USD 7.67 billion 5.66 • Bran
Slide 10: Financial Highlights
Financial Highlights
Slide 11: QNB Group demonstrate sustainable growth
QNB Group demonstrate sustainable growth Financial Highlights (as at 31 December 2023) Growth vs. December 2022 • Net interest margin (NIM)2: 2.60% • Cost to income ratio: 20.0% Profit1 • USD4.26 billion +8% • Earnings per share: USD 0.43 • RoAA 1.3% • USD338.1 billion assets +4% • NPL (% of gross l
Slide 12: QNB ALAHLI
QNB ALAHLI Financial Highlights (as at 31 December 2023) Growth vs. December 2022 • Net interest margin (NIM)2: 6.23% • USD477.1 million 2% • Cost to income ratio: 21.6% Profit1 (EGP14.6 billion) (+63%) • RoAA: 2.4% In EGP terms 2.6% • USD20.4 billion assets 4% (EGP630.0 billion) (+30%) • NPL (% of
Slide 13: QNB FINANSBANK
QNB FINANSBANK Financial Highlights (as at 31 December 2023) Growth vs. December 2022 • Net interest margin (NIM)2: 7.77% • USD363.8 million -33% • Cost to income ratio: 26.2% Profit1 (TRY10.8 billion) (+6%) • RoAA 1.1% In TRY terms 1.3% • USD35.1 billion assets +3% (TRY1,037 billion) (+63%) • NPL (
Slide 14: Enpara Digital Bank (pro-forma standalone operations)
Enpara Digital Bank (pro-forma standalone operations) Financial Highlights (as at 31 December 2023) Growth vs. December 2022 • USD281.0 million • Cost to income ratio: 16.0% +141% Profit1 (TRY8.3 billion) (+280%) • Net Interest Margin (NIM): 10.9 % 21%2 of QNB Finansbank • USD2.3 billion loans • NPL
Slide 15: Strong domestic franchise with widespread geographical footprint
Strong domestic franchise with widespread geographical footprint contributes to diversification and 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 4.26 234.
Slide 16: Consistent Profitability and Cost Discipline
Consistent Profitability and Cost Discipline Income Statement Breakdown (USD billion as at 31 December) Net Profit1 Operating Income2 Net Interest Income % Return on Average Equity % Cost to Income Ratio % Net Interest Margin3 5 yrs: 2.4% 5 yrs: 10% 4.26 10.75 5 yrs: 10% 3.94 3.94 9.64 8.36 3.63 7.9
Slide 17: Asset growth driven by lending activities mainly in USD and QAR
Asset growth driven by lending activities mainly in USD and QAR Assets Analysis (as at 31 December) Total Assets Evolution 2023 Split of Assets (%) USD billion By Type By Currency 5 yrs: 7% 338.1 Cash and 326.7 QAR 24.5 Balances with 7.1 300.2 Central Banks 281.6 USD 46.0 259.5 Due from 7.0 Banks TR
Slide 18: Stable loan momentum
Stable loan momentum Loan Analysis (as at 31 December) Total Loans Evolution 2023 Split of Loans (%) USD billion By Geography By Sector1 5 yrs: 7% 234.3 Govt. & Govt. Qatar 79.4 35.4 221.8 Agencies 209.8 198.8 Turkey 9.1 Services/ 186.4 41.2 Commerce Egypt 3.7 Industry 4.5 Europe 2.6 Real Estate & 9
Slide 19: 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 31 December) Non Performing Loans (NPL) by Segment • QNB has continued to x increase its provisions in USD million Total NPL’s response to the global 5,039 6,505 7,239 economic situation on 5,595 account of
Slide 20: High quality investment portfolio with 69% of securities rated AA or Sovereign
High quality investment portfolio with 69% of securities rated AA or Sovereign Investments Analysis (USD million as at December 2023) Fair Value Through Other Comprehensive Income Amortised Cost Quoted Fixed rate Unquoted Floating rate State of Qatar 5,642 State of Qatar 7,362 Sovereign Debt 0 Sover
Slide 21: Robust growth in customer deposits and funding
Robust growth in customer deposits and funding Funding Analysis (as at 31 December) Customer Deposits Evolution 2023 Split of Deposits (%) USD billion By Sector By Type By Geography 5 yrs: 7% Qatar 58.8 Govt. & 231.4 235.4 Govt. 27.8 Time 78.9 215.8 Deposits Agencies GCC 2.6 202.9 188.0 Europe 11.7
Slide 22: Solid liquidity profile
Solid liquidity profile Liquidity Analysis (as at 31 December) Loans to Deposits Ratio Evolution Sources of Liquidity % % of total liabilities 99.2 98.0 97.2 95.9 99.5 Due to 14.0 Banks Customer 76.5 Deposits Debt Securities 3.2 2019 2020 2021 2022 2023 Other 2.6 Borrowings Liquid Assets1 Evolution
Slide 23: 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) Basel III Capital Adequacy Ratio % 19.8 18.7 14.8 17.0 (QCB) 14.0 (QCB) 12.0 (QCB) CET 1 Tier 1 Total CAR • Capital adequacy ratio is above QCB and Basel III requirements including
Slide 24: Diversifying business mix will bolster sustainable growth
Diversifying business mix will bolster sustainable growth Business Mix Contribution (% share as at December 2023) Lines of Business Net Profit1 Op. Income Loans Deposits 78 74 90 81 • Maintain dominant domestic market share Group Corporate • Grow international contribution • Nurture SME business in
Slide 25: 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 26: QNB Group Financials
QNB Group Financials Key data (as at December 2023) % Contribution of QNB AA QNB excluding QNB AA and QNB Finansbank QNB incl. QNB ALAHLI QNB incl. QNB Finansbank % Contribution of QNB Finansbank Financials Presence USD billion 10.75 338 30,401 303 283 7.65 234 235 6.42 205 214 196 213 16,139 4.26 3
Slide 27: Sustainability
Sustainability
Slide 28: Sustainability entails delivering positive impact in the pillars 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 Labour
Slide 29: QNB engages key stakeholder groups to formulate, prioritise and report upon sustainability topics
QNB engages key stakeholder groups to formulate, prioritise and report upon the sustainability topics most material to them QNB stakeholder and material topic assessment approach Define Sustainability strategy and framework to address material topics Map material topics to ESG frameworks (e.g., UNSD
Slide 30: QNB has established its sustainability framework and strategy along the pillars of ESG
QNB has established its sustainability framework and strategy along the pillars of ESG to actively and positively address material topics Environmental Social Governance QNB Sustainability Framework Climate and ESG in financing Data security and privacy Sustainable finance SMEs and entrepreneurship
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 As at 30 June 2023 Sustainable USD 8.5 Bn Sustainable ESRM1, climate 37 sustainable Finance and finance of sustainable Product scenarios, scope products and Transition to Greener financing
Slide 32: Sustainable finance: at a glance
Sustainable finance: at a glance As at 30 June 2023 Financing Customer experience Climate scenarios USD 8.5 Bn 85.7% and scope 3 Sustainable financing Digital transactions (online & mobile financed portfolio, including as a % of total) environmentally friendly, emissions low carbon activities Coveri
Slide 33: QNB is proactively addressing both climate risk and opportunities
QNB is proactively addressing both climate risk and opportunities in its governance, financing and engagement activities Evaluating and managing risks Identifying and capturing opportunities • Group governance in • Market leading line with TCFD Sustainable Finance and Product Framework • ESRM: exclu
Slide 34: QNB's SFPF is the first of its type in Qatar
QNB’s SFPF1 is the first of its type in Qatar, market leading in region, and aligned with international principles • QNB Group Sustainable Finance and Product Framework (SFPF) Framework and SPO • ISS Corporate Solutions Second Party Opinion (SPO) Sustainable Finance SFPF scope Transition Finance² Su
Slide 35: QNB's SFPF is aligned with international taxonomies, eligibility criteria, and standards
QNB’s SFPF is aligned with international taxonomies, eligibility criteria, and standards to enable and drive ESG and climate financing Sustainable Finance Transition Sustainability- Finance¹ Green/ Social Activities Linked • Ambitious and relevant • Credible climate Sustainability transition plan Pe
Slide 36: QNB continues to leverage the SFPF to grow its sustainability portfolio
QNB continues to leverage the SFPF and client engagement to further develop and grow its sustainability portfolio As at 30 June 2023 QNB Group’s total sustainable lending portfolio USD 8.5 Bn Sustainability-linked loans Social loans >50% USD 0.6 Bn Increase in green USD 4.7 Bn financing since 2020 P
Slide 37: QNB is recognised as a leader in sustainable financing
QNB is recognised as a leader in sustainable financing, launching a number of pioneering products and transactions into the market Environmental impact of QNB’s debut USD 600 Mn Green Bond issuance Green Green Repurchase Mortgages Agreements 486,072 tCO2e Lifetime avoided GHG emissions Electric Gree
Slide 38: Sustainable operations: at a glance
Sustainable operations: at a glance As at 30 June 2023 Climate impact Gender diversity 100% 20% 0.92 Energy from renewable % Women Board Female/ sources in QNB Finansbank members in our male pay subsidiaries ratio 45% reduction in GHG emissions1 34% 48% Total reductions since 2017 % Women in % Women
Slide 39: Integrating ESG into our operations to align with international best practices
Integrating ESG into our operations to align with international best practices and embed sustainability in our DNA Commitment to global and regional frameworks Focus on our people – employee value proposition • Continued emphasis on diversity, inclusion, and nationalisation for our people and talent
Slide 40: QNB is recognised as a regional leader in climate financing and ESG initiatives
QNB is recognised as a regional leader in climate financing and ESG initiatives through external ratings and international awards As at 31 December 2023 2021 2022 2023 Rank (GCC Banks) A A #1= n 46 50 rd #1 (83 percentile) (85th percentile) Medium risk Medium risk (22.9) (23.6) #3 To be released in
Slide 41: Economic Overview
Economic Overview
Slide 42: Qatar is strategically located between Europe and Asia
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 3 million • Qatar is endowed with t
Slide 43: 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 5.5 500 5.0 450 4.5 400 4.0 350 3.5 300 3.0 250 2.5 200 2.0 150 1.5 1.0 100 0.5 50 0.0 0 2000 2005 201
Slide 44: Development of hydrocarbon reserves makes Qatar 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 (2022) thousand barrels of oil equivalent (boe) thousand USD PPP Qatar 144 Luxembourg 117 Kuwait 24 Ireland 113 UAE 14 Singapore 108 Venezuela
Slide 45: Qatar National Vision 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 46: Economic diversification has accelerated over the last decade
Economic diversification has accelerated over the last decade in order to achieve the QNV 2030 Real GDP Growth by Sector %, year-on-year 28 26 24 Hydrocarbon 22 Non-Hydrocarbon 20 18 16 14 Accelerated Diversification 12 10 8 6 4 2 0 -2 -4 1998 2000 2002 2004 2006 2008 2010 2012 2014 2016 2018 2020 2
Slide 47: Qatar's transformation supported by major infrastructure and investment spending
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 19 19 FIFA World Cup 17 17 18 Education City Msheire
Slide 48: Qatar will increase its LNG production by 85%
Furthermore, Qatar will increase its LNG production by 85%, maintaining its position as the world’s largest exporter • Globally Qatar is one of the largest LNG Qatar’s current and expected share of global LNG market exporter with a market share of 20-30% of total LNG exports Million metric tons per
Slide 49: Qatar has maintained a substantial trade surplus
Qatar has maintained a substantial trade surplus, with exports much greater than imports despite oil price volatility Trade surplus, exports, imports (USD Bn) and oil price (USD/barrel) 111 112 Oil price 109 99 100 Trade surplus 71 70 108 106 64 98 97 52 54 92 44 42 52 59 44 44 Exports 37 133 133 12
Slide 50: Qatar's diversification and expansion efforts will continue to deliver strong 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 2024 (f) IMF 2023 – 2027 (f) 3.1 6.3 Ø 2.2 3.7 3.6 1.1 2.4 2.2 2023 2024 2025 2026 2027 Average of all forecasts Source: Bloomberg
Slide 51: 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 Standard & Poor’s Sovereign Ratings* Moody’s Sovereign Ratings* Germany, Canada, Switzerland, Norway, Sweden, Germany, Canada, Switzerland, Norway, Sweden, AAA Netherlands, Luxembourg, Singapore Aaa Nether
Slide 52: Qatar's banking and financial system remains resilient and healthy
Qatar’s banking and financial system remains resilient and healthy Financial Soundness Indicators (2019-2022, %) 2019 2020 2021 2022 Capital Adequacy Tier 1 capital/risk-weighted assets 17.5 17.6 18.0 18.1 Regulatory capital/risk-weighted assets 18.6 18.8 19.2 19.3 Asset Quality Non-performing loans
Slide 53: 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