Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — Q1 2018 Earnings Presentation
16 slides from Pt Bank Permata Tbk Class A's earnings presentation, March 2018
Slide 1: PT Bank Permata Tbk Business and Financial Update
PT Bank Permata Tbk March 2018 Business and Financial Update Company Presentation
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
Slide 3: Table of Contents
Table of Contents PermataBank in Brief ………………………………………………………………………..... 4 Company’s Profile ..…...……………………………………………………………………..... 5 -6 Performance Highlights ……………………………………………………………………..... 7 Financial Highlights IS, B/S & Key Ratios ………………………………………………..... 8 - 10 Loan, Loan Quality & Cove
Slide 4: PermataBank in Brief
PermataBank in Brief Controlling Shareholders Year Established 1955 Listing at the Bourse Since 1990 at the Jakarta Stock Exchange and Surabaya Stock Exchange (both merged and One of the largest listed companies in now known as the Indonesian Stock Exchange Indonesia with strong market position (B
Slide 5: Vision & Mission
Vision & Mission ”Menjadi bank pilihan dengan • Berperan aktif sebagai mitra di bidang keuangan dan agen terus membina kemitraan dan pembangunan yang efisien bagi nasabah dan masyarakat. menciptakan nilai bermakna bagi • Memberikan layanan keuangan menyeluruh secara nasabah dan masyarakat”. sederhan
Slide 6: I-PRICE
I-PRICE INTEGRITY PARTNERSHIP RESPONSIVENESS INNOVATION CARING EXCELLENCE Kita bekerja dengan Kita saling memahami Kita bekerja dengan cepat, Kita selalu berpikir Kita menaruh perhatian Kita memberikan mengutamakan dan bersama-sama akurat, dan efektif dalam inovatif untuk dan menghargai layanan prim
Slide 7: Performance Highlights
Performance Highlights 1 Positive business growth • Loan balances up by 5% yoy from IDR 95.4 tn to IDR 99.8 tn. • For the last two quarters the Bank has continued to book positive loan growth contributed by both Retail Banking and Wholesale Banking. 2 Loan Quality maintained • Gross and Net NPL rati
Slide 8: Income Statement
Income Statement (in IDR bn) Mar-18 Mar-17 YoY Q1-18 Q4-17 QOQ Net Interest Income 1,367 1,292 6% 1,367 1,403 -3% Non Interest Income 463 1,118 -59% 463 1,012 -54% Revenue 1,830 2,409 -24% 1,830 2,415 -24% Operating Expense 1,177 1,179 0% 1,177 1,235 -5% Pre Provision Operating Profit 653 1,231 -47%
Slide 9: Balance Sheet
Balance Sheet (in IDR tn) Mar-18 Mar-17 YoY Dec-17 YTD Cash 1.8 2.0 -6% 1.9 -6% Placement with Bank Indonesia 12.9 19.5 -34% 13.1 -1% Placement with Other Banks 4.2 3.3 27% 5.0 -17% Marketable Securities * 25.5 34.7 -27% 22.5 13% Loans (gross) 99.8 95.4 5% 97.6 2% Allowance for Loan Impairment Losse
Slide 10: Key Ratios
Key Ratios (in %) Mar-18 Dec-17 Mar-17 CET-1 ratio 15.1 15.2 13.2 Total CAR 17.7 18.1 17.0 LDR 89 88 75 CASA ratio * 49 52 46 ROA 0.5 0.6 1.4 ROE 4.0 4.8 12.9 BOPO 95 95 87 CIR 64 55 49 NIM 3.9 4.0 3.5 NPL Gross 4.6 4.6 6.4 NPL Net 1.7 1.7 2.2 NPL Coverage ratio 194 191 135 Regulatory Coverage ratio
Slide 11: Loan
Loan Conventional vs Sharia* 12% 14% 14% Loans Growth (IDR tn) 88% 86% 86% YOY 11% YOY 26% 131.9 127.8 Mar-17 Dec-17 Mar-18 118.8 YOY 5% YOY 36% Conventional Sharia 105.0 97.6 99.8 94.4 95.4 By Currencies* CAGR 24% YTD 2% 69.3 18% 17% 17% Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Dec-16 Mar-17 Dec-17 Mar-1
Slide 12: Loan Quality & Coverage
Loan Quality & Coverage Loan quality improves, Bank continues to recognize potential loan losses on a prudent basis Loan by Collectability (% to total Loan) NPL and Coverage 20.0% 6.1 tn 4.5tn 4.6 tn 240% 220% 227% 18.0% 210% 195% 191% 194% 16.0% 6.4% 4.6% 4.6% 180% 14.0% 12.1% 12.5% 12.5% 150% 135%
Slide 13: Deposits
Deposits Continuous improvement in CASA Ratio IDR tn ** YoY Growth Deposits CAGR 13-17 Dec-14 Dec-15 Dec-16 Dec-17 Mar-18 Dec-14 Dec-15 Dec-16 Dec-17 Mar-18 Current Account 26.7 29.6 31.3 30.0 27.6 5% 11% 6% -4% -10% 4% Saving Account 24.3 25.5 29.4 27.8 27.4 13% 5% 15% -5% -3% 7% Total CASA 51.0 55
Slide 14: Capital
Capital Capital Ratios (%) 18.9 18.8 18.1 17.7 17.0 15.4 15.6 15.2 15.1 • Well capitalized 13.2 • CET-1 ratio and total CAR of 15.1% and 17,7% in Mar 2018; far in excess of regulatory minimum (CET-1 = 7.75% and total CAR = 11.75% with risk profile of 2) Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Total CAR C
Slide 15: Shares & Rating
Shares & Rating Share Price & Trading Volume Rating Agencies Rating/Outlook In IDR Thousands Corporate Rating id AAA / Stable 800 300,000 Senior Bond Rating id AAA Pefindo (Sep 2017) 700 Pre Basel-III Sub Debt Rating id AA+ 250,000 Basel-III Compliant Subordinated Bonds Rating id AA 600 National Lon
Slide 16: Thank You
THANK YOU PT Bank Permata Tbk Investor Relations World Trade Center II Jl. Jend. Sudirman Kav. 29-31 Jakarta 12920 - Indonesia Phone: (62-21) 523 - 7899 / 7999 Website : www.permatabank.com Disclaimer: This report has been prepared by PT Bank Permata Tbk independently and is circulated for the purpo