Pt Bank Permata Tbk Class A · IDX:BNLI

Pt Bank Permata Tbk Class A — FY2020 Earnings Presentation

49 slides from Pt Bank Permata Tbk Class A's earnings presentation, March 2021

  1. Slide 1: Full Year 2020 Financial Results

    7 |, est) Full Year 2020.Financial Results: s ANAEYST MEETING & PRESS.CONFERENCE

  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: Agenda

    AGENDA PermataBank Strategic Direction Wholesale Banking Performance Full Year 2020 Financial Performance y= Vv, Shariah Banking Performance Retail Banking Performance CSR and Awards

  4. Slide 4: Corporate milestones

    PERMATABANK Corporate milestones MAY OCTOBER DECEMBER JANUARY 2020 2020 2020 2021 Bangkok Bank \V PermataBank Bangkok Bank Bangkok Bank completed Banngkok Bank PermataBank officially successfully completed Mandatory Tender Offer Indonesia branches became as Bank Buku IV. PermataBank acquisition (MTO

  5. Slide 5: Board of Commissioners

    PERMATABANK Board of Commissioners CHARTSIRISOPHONPANICH President Commissioner HARYANTO SAHARI Independent Commissioner CHALIT TAYJASANANT Commissioner RAHMAT WALUYANTO Independent Commissioner CHONG TOH Commissioner GOEI SIAUW HONG Independent Commissioner & NIRAMARNLAISATHIT Commissioner YAP TJAY

  6. Slide 6: Board of Directors

    RIDHA DM WIRAKUSUMAH 1 DHIEN TJAHAJANI LEA KUSUMAWIJAYA ABDY SALIMIN President Director Director Director Director DJUMARIAH TENTERAM DARWIN WIBOWO HERWIN BUSTAMAN DAYAN SADIKIN SUWATCHAI SONGWANICH 2 Director Director Director Director Director 6

  7. Slide 7: Comprehensive integrated distribution network

    PERMATABANK We have comprehensive distribution network that are fully integrated between on-line/off-line channels DIGITAL SELF-SERVICE CHANNELS MOBILE BANKING Retail, Shariah, Wholesale API BANKING 150+ POINT-OF-SALE > 13,800+ VOICE ID CALL CENTER INTERNET BANKING Retail, Shariah, SME, Wholesale QR

  8. Slide 8: PermataBank Strategic Direction

    PERMATABANK STRATEGIC DIRECTION Our refresed strategy poised to deliver robust long-term sustainable growth VISION STATEMENT To be the Bank of choice, nurturing relationship and creating value for our stakeholders. BANK OF CHOICE NURTURING RELATIONSHIP CREATING VALUE = Top OF MIND = NURTURE Grow rel

  9. Slide 9:              

                              9

  10. Slide 10: Bangkok Bank + PermataBank area of focused synergy

    PERMATABANK STRATEGIC DIRECTION Bangkok Bank + PermataBank area of focused-synergy CONGLOMERATES, CORPORATE and SME FULL POTENTIAL = Increase share of wallet and win new Corporate and Conglomerate clients. (credit and non-credit) in Indonesia. = Increase share of wallet and win new SME Transaction B

  11. Slide 11: Best-in-class digital products and services

    PERMATABANK Our digital products and services are best in-class with market leading design and capabilities Exciting promo Transfer to Mobile Share receipt Permatae-Business Shopping PermataATM 94 @-- @Gez as . All accounts inone app : Branch Locator Transaction Invest online . history 66 2 PermataB

  12. Slide 12: Digital design principle across channels

    PERMATABANK They are designed with First-Design principle built on same technology providing consistent experience in all channels

  13. Slide 13: Our Model Branches

    PERMATABANK Our Model Branches

  14. Slide 14: Transforming branches to be sales-acquisition focused

    PERMATABANK Transforming Branches to be more sales-acquisition focused, with more complex and sophisticated products

  15. Slide 15: Model Branch design consistent with digital channels

    PERMATABANK Model Branch design is consistent with all digital channels to provide consistent great customer experience PermataMobile X ' = i Se |

  16. Slide 16: More model branches in top cities during 2021

    PERMATABANK We are building 42 more model branches in top 5 cities during 2021

  17. Slide 17: Financial Performance

    FINANCIAL PERFORMANCE

  18. Slide 18: Covid-19 impacts on economic growth

    FULL YEAR 2020 FINANCIAL PERFORMANCE Covid-19 impacts on economic growth BANK INDONESIA CONTINUE TO LOWER INTEREST RATE TO BOOST ECONOMY GROWTH 5.00% 5.00% PRICES CONTINUE TO FALL AND ALREADY BELOW FLOOR TARGET Ceiling Target 4% 3.0% 2.7% FloorTarget. 2% 17% Jan 2020 1.6% 16% 2 8 @ § 2 ¢$ 3 2 2 2 $$

  19. Slide 19: Strong capital position with CAR above 35%

    FULL YEAR 2020 FINANCIAL PERFORMANCE Strong capital position with CAR above 35% Total Capital (IDR B) Tier-1 Capital (IDR B) CAR CET-1 41,580 bps YOY 4820 bps YOY 85.2% YOY 90.2% YOY Total Capital 42,861 35.68% ; 19.89% 21.26% 23,137 23,016 et 18.73%, 20.18% 21,792 21,848 Dec 2019 Jun 2020 Dec 2020

  20. Slide 20: Limited public offering IX through Rights Issue

    FULL YEAR 2020 FINANCIAL PERFORMANCE Limited public offering IX through Rights Issue We are currently in the process of preparing a Limited Public Offering (LPO) IX through Rights Issue. The Bank's liquidity and capital remain strong and far above the prevailing regulatory requirements: PURPOSE NUMB

  21. Slide 21: Revenue increases with higher NIM

    FULL YEAR 2020 FINANCIAL PERFORMANCE Revenue increases with higher NIM during period of economy uncertainty Total Revenue (IDR B) A 14.7% YOY aie%YOY 9,138 7,967 414% YOY 4,152 990 3,144 Net Interest Margin 4 35 bps YOY 4.70% Dec 2019 Jun 2020 Dec 2020 @Net Interest Income — # Non interest Income De

  22. Slide 22: Process automation and digitization kept costs controlled

    FULL YEAR 2020 FINANCIAL PERFORMANCE Process automation and digitization kept costs under controlled during pandemic Pre-Provision Operating Profit(IDR B) A 23.7% YOY 3,763 3,043 1,714 Cost-to-Income Ratio Vv 370 bps YOY 62.40% 58.40% 9 58.50% 58.50% 58.70% Dec 2019 Jun 2020 Dec 2020 Dec 2019 Mar 20

  23. Slide 23: Focused on robust and healthy loans growth

    FULL YEAR 2020 FINANCIAL PERFORMANCE Focused on robust and healthy loans growth Loans (IDR T) A 9.2% YOY Loans Composition 40.00% 5 81.00% 59.00% 58.00% 9, 47.00% 38.00% Dec 2019 Jun 2020 Dec 2020 ™Loan Gross — mlLoan ex BBI Transferred to Permata Dec 2019 Jun 2020 Dec 2020 Retail Banking Wholesale

  24. Slide 24: Total restructured loans due to Covid-19

    FULL YEAR 2020 FINANCIAL PERFORMANCE Total restructured loans due to Covid-19 as of December 2020 Restructured Loans (%) Total restructured loans IDR 12 T on Covid-19 as of Dec 2020 10.20% @Restructured Loan —m™ Non-Restructured Loan 89.80% Restructured Loans by Segment (%) 45.2% 31.5% Total restruc

  25. Slide 25: Loans quality remained strong during Covid-19

    FULL YEAR 2020 FINANCIAL PERFORMANCE Loans quality remained strong during Covid-19 Gross NPL NPL Coverage Ratio A 10 bps YOY NPL Coverage Ratio stregthened above 230% ee ee vs 1.80% : 2.00% 2.00% 1.10% 239% 9) 92.20% @ 91.20% ponor 133% 12% Dec 2019 Jun 2020 Dec 2020 Dec 2019 Jun 2020 Dec 2020 mCurr

  26. Slide 26: Third-party funding grew strongly with solid CASA ratio

    FULL YEAR 2020 FINANCIAL PERFORMANCE Third-party funding grew strongly with solid CASA ratio and healthy LDR Third-Party Funding (IDR T) A 18.4% YOY 145.60 112.90 124.50 CASA Ratio 53.53% 52.07% 9 50.81% 51.22% 50.67% Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Dec 2019 Jun 2020 Dec 2020 @Time Deposit mCASA

  27. Slide 27: Retail Banking Performance

    P RETAIL | BANKING PERFORMANCE

  28. Slide 28: Loans declined while deposit base increased

    RETAIL BANKING Loans declined amid the pandemic while deposit base increased by 9.7% Loans Growth (IDR T) Deposit Growth (IDR T) Vv 16.2% YOY A 9.7% YOY 99.6 CASA 50% 48.4 Mortgage Join Finance’ Credit Cards and! 90.7 91.1 Personal Loans| MSME Dec 2019 Jun 2020 Dec 2020 Dec 2019 Jun 2020 Dec 2020 In

  29. Slide 29: Retail Banking core strategy

    RETAIL BANKING Retail Banking core strategy Customer focused Build quality and profitable businesses Scale up Retail Business Operational excellence Digital adoption everywhere Data driven decision making

  30. Slide 30: Digital capabilities launched during pandemic

    RETAIL BANKING We launched many excited digital capabilities provide banking needs during pandemic and accelerate digital adoption at all fronts = / veg? PermataShoppingCara es Kartu Paling Pas ‘aMobile X pe AL pienso ee Untuk Belanja Online Urus Perbankan Bisa Sambil Haha Hihi 4 PermataQR Merchant

  31. Slide 31: Digital channels are now primary sources for new businesses

    RETAIL BANKING Digital channels are now primary sources for new businesses API BANKING 72% MOBILE BANKING 2016 3% Total new loans BRANCHES/ and accounts BRANCHES/ MOBILE SALES MOBILE SALES 28% 1.GMillion 8% 2020 Total new loans and accounts 6.9 Million PARTNERSHIP 72% PARTNERSHIP ° 17%

  32. Slide 32: Wholesale Banking Performance

    fe tee! Ie) gr + elim | Be | ae] Ee “| ie {EE a] ni > 5 WHOLESALE BANKING PERFORMANCE

  33. Slide 33: Strong loans growth fueled by deposit growth

    WHOLESALE BANKING Strong loans growth fueled by strong growth in deposits Loan Growth (IDR T) A 33.2% YOY 16.40 15.30 13.90 Deposit Growth (IDR T) A 42.4% YOY 45.90 CASA 54% Dec 2019 Jun 2020 Dec 2020 CommercialLoan Corporate Loan Dec 2019 Jun 2020 Dec 2020

  34. Slide 34: Wholesale Banking core strategy

    WHOLESALE BANKING Wholesale Banking core strategy Reduce cost-of-funds and increase NFI through transaction-led relationship Grow topline Manage operating costs and minimize credit losses Expansion with new business model

  35. Slide 35: Wholesale Banking key initiatives

    WHOLESALE BANKING Wholesale Banking key initiatives PermataBank Webinar Omnibus Law on Job Creatio: _ : PermataBat vy Structural Reform to Boost Sustainable Economic Gi Indonesia: Shifting Consumer Behaviour Due to Covid-19 S Mia Triscal 10 dene 2030 © :813 1400 2810 Pass: 390932 Continue to maintai

  36. Slide 36: Shariah Banking Performance

    SHARIAH BANKING PERFORMANCE

  37. Slide 37: Dec 2019 Jun 2020 Dec 2020

    14.6 14.6 19.4 24.7 14.3 18.1 18.0 21.9 21.7 Dec 2019 Jun 2020 Dec 2020 Dec 2019 Jun 2020 Dec 2020 Dec 2019 Jun 2020 Dec 2020 37

  38. Slide 38: Shariah Banking core strategy

    SHARIAH BANKING Shariah Banking core strategy Leading the Penetrate target market Strengthen our Shariah market via most effective Shariah governance, with strong and and efficient risk management unique value proposition distribution channels and productivity

  39. Slide 39: Shariah Banking key initiatives

    SHARIAH BANKING Key initiatives Bebas Tentukan Angsuran Sesuai Kemampuan! ‘Akan PermataKPR iB bas Se PermataKPR Bijak API partnership to grow And build scale {alo Febriana, PermataNet Internet Banking for Shariah PermataMobile X Shariah Banking Time Deposit PermataTabung iBBebae PermataDeposito iBID

  40. Slide 40: Corporate Social Responsibility & Awards

    CORPORATE SOCIAL RESPONSIBILITY & AWARDS

  41. Slide 41: Corporate Social Responsibility

    PERMATABANK Corporate Social Responsibility Strategic Partners ° HR 45 PERMATAYOUTHPRENEUR @e@ Students mia smasmak 775 Online training and development programs for SMA and SMAK students on digital startups that can inspire the younger generation to grow into successful and useful digitalpreneurs fo

  42. Slide 42: Awards

    PERMATABANK Awards infobak Fs on “ eet é ACTIONS ATISFACTI 4 vy BEST SHARIAH BANKING 10 YEARS IN THE ROW TOP DIGITAL COMPANY AWARDS 2020 BANKING SERVICE EXCELLENCE AWARD by the MRI and Infobank by the Marketing Magazine by the MRI and Infobank permatabeni ce © See, (3 ASEAN Asset Class 7 PermataBank

  43. Slide 43: Appendixes

    Y) rm < Q Zz Lo a a <<

  44. Slide 44: Balance Sheet

    APPENDIXES Balance Sheet In IDR Billion 31 December 201: 31 March 30 June 2020 YoY Cash 2.304 2.361 1.840 1.594 1.795 -22% Placement to BI 16.296 17.437 16.162 16.466 23.228 43% Placement with other Banks 9.581 7.751 5.549 3.981 3.735 -61% Marketable Securities 11.864 20.637 22.642 34.375 24.350 105

  45. Slide 45: Income Statement

    APPENDIXES Income Statement In IDR Billion 1 December 201 Net Interest Income 5,960 Non Interest Income 2,007 Revenue 7,967 Operating Expense 4,924 Staff costs 2,447 Promotion costs 187 Other cost 2,290 Pre Provision Operating Profit 30 June 2020 September 202 December 2020 YoY 1,605 3,162 4,653 6,8

  46. Slide 46: Key ratios

    In % ∆ (%) CET-1 ratio 26.9 18.7 8.2 Total CAR 35.7 19.9 15.8 LDR 78.7 86.3 -7.6 CASA Ratio 51.2 50.7 0.5 ROA 1.0 1.3 -0.3 ROE 3.1 7.2 -4.1 BOPO / OEM 88.76 85.67 3.1 CIR 58.7 62.4 -3.8 NIM 4.7 4.4 0.3 Gross NPL 2.9 2.8 0.1 Net NPL 1.0 1.3 -0.3 Loan at Risk (LAR) 15.3 6.6 8.6 NPL Coverage Ratio 238.

  47. Slide 47: Share Information

    APPENDIXES Share Information Share Price Trading Volume (IDR) (000 Units) 3,500 3,000 2,500 2,000 1,500 = 4.270 1,230 1,275 1,260 1,270 —~ 1,000 ‘ ,02 995 1,160 200 500 100 0 al ba alo Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 mam Trading volum

  48. Slide 48: Share Information

    APPENDIXES Share Information BNLI Dec 2018 WETs Jun-20 Price (IDR) 625 1,035 1,270 1,160 3,020 PBV (X) 0.8 1.5 1.2 1.5 1.3 2.4 P/E Ratio 26 23 N/M 48 56 116 Market Cap (IDR Tn) 17.4 35.1 28.7 35.3 32.2 83.8 Book Value 22,452 24,037 23,247 23,855 24,087 35,071 O/S Share (in Bn ) (average) 27.76 27.76

  49. Slide 49: Thank You

    THANK YOU Wp PermataBank\V 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

PT Bank Permata — FY2020 Earnings Presentation on 6ix