Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — FY2022 Earnings Presentation
36 slides from Pt Bank Permata Tbk Class A's earnings presentation, 2023
Slide 1: FY 2022 Financial Results Analyst Presentation
PT BANK PERMATA TBK FY 2022 Financial Results Analyst 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: About PermataBank
About PermataBank Model Branch Mural in Medan (Zainul Arifin) Model Branch Mural in depicting An illustration Medan (Zainul Arifin) one of Indonesia’s cultural treasure originating from North Sumatera. Tor-Tor dance with the background of Rumah Bolon, the traditional house of the Batak Tribe. An ill
Slide 4: About PermataBank
About PermataBank YEAR ESTABLISHED BUSINESS SEGMENT 1955 TOTAL STAFF RETAIL BANKING > 8,000 WHOLESALE BANKING UNIT USAHA SYARIAH LISTED AT IDX SHAREHOLDERS TOTAL SINCE 1990 CUSTOMER BANGKOK BANK > 6 Million STOCK CODE 98.7% BNLI PUBLIK 1.3% TOTAL ASET CORPORATE RATING Rp 255.1 Tn. MARKET PEFINDO – A
Slide 5: National Banking Coverage
JANGKAUAN Top 10 Best LAYANAN Banks in PERBANKAN NASIONAL Indonesia with National Banking Coverage PRESENT IN 62 CITIES IN INDONESIA WITH 253 NETWORK OFFICES, 52 SHARIA OFFICE AND LANTAP (ONE STOP SERVICE) AND SUPPORTED BY 833 ATMS AND MORE THAN 20,000+ INDOMARET CHANNEL MODEL BRANCHES OFFICE BANGKA
Slide 6: Board Of Commissioner
Board Of Commissioner Chartsiri Sophonpanich Chalit Tayjasanant Chong Toh Niramarn Laisathit President Commissioner Commissioner Commissioner Commissioner Haryanto Sahari Rahmat Waluyanto Goei Siauw Hong Yap Tjay Soen Independent Independent Independent Independent Commissioner Commissioner Commissi
Slide 7: Board Of Director
Board Of Director Meliza M. Rusli Dhien Tjahajani Lea Kusumawijaya*) Abdy Dharma Salimin President Director Legal & Compliance Finance Director Technology & Operation Director Director Djumariah Tenteram Darwin Wibowo Herwin Bustaman Dayan sadikin Setiatno Budiman Retail Banking Director Wholesale B
Slide 8: Vision, Mission, Strategic Priority and Enabler
Vision, Mission, Strategic Priority and Enabler VISSION To be the Bank of Choice, nurturing relationship and creating value for our stakeholders. MISSION Serving as an efficient financial institution Offering universal financial Providing excellent stakeholders and agent of development for our custo
Slide 9: Journey with Strategic Shareholder – Bangkok Bank
Journey with Strategic Shareholder – Bangkok Bank May October December July 2022 - Next 2020 2020 2020 2021 Bangkok Bank PLC Bangkok Bank The Bangkok Bank Bangkok Bank fully Synergize and completes the completed the Indonesia branch is participates in the collaborate to build acquisition of Mandator
Slide 10: Synergy of PermataBank and Bangkok Bank
Synergy of PermataBank and Bangkok Bank Center of Excellence Competency Synergy BBL International Network Transaction Banking Corporate, SME and Retail and Branch Service PermataBank Strategy Transaction Banking Synergy by sharing experiences and Support Indonesian customers in Sharing capabilit
Slide 11: Bank Permata Awards
Bank Permata Awards Six Awards from Asia-Pacific Stevie 19th Infobank’s Banking Service Excellence Award 2022, Indonesia Consumer Financial Service Awards 2022 PermataBank received 7 awards with the highlights: 1st Rank - Award 2022 by SWA Magazine for Best Overall Performance for Conventional Comme
Slide 12: Corporate Social Responsibility
Corporate Social Responsibility Since 2011 and Continue Contributing to Community 45 570 +8K Student Scholarships +95K Total Beneficiaries Strategic Partners Schools & Communities 2.200 Students 650 Students 4.700 Beneficiaries +39K Students with disabilities 12
Slide 13: FY 2022 Financial Results
FY 2022 FINANCIAL RESULTS
Slide 14: Macroeconomic Updates
Macroeconomic Kondisi MakroUpdates Ekonomi Indonesia BI hike benchmark rate as pre-emptive and forward looking actions to Inflation slowing down in Q4-22 as energy and food prices began to stabilize lower inflation rate in next year followed by domestic fuel price adjustment. 5.95% 5.71% 5.51% 5.42%
Slide 15: Key Financial Highlights December 2022
Key Financial Highlights December 2022 LOAN GROSS (IDR Tn) DEPOSITS (IDR Tn) ASSET (IDR Tn) CAR (%) ↑ 8.7% YOY ↑ 8.8% YOY ↑ 8.8% YOY ↓ 74 bps YOY 58% 54% CASA ratio 34.9% 196 255 136 34.2% 180 234 125 Dec-21 Dec-22 Dec-21 Dec-22 Dec-21 Dec-22 Dec-21 Dec-22 GROSS NPL (%) NIM (%) BOPO (%) ↓ 10 bps YOY
Slide 16: Strong Revenue and Sustainable Profit
Strong Revenue and Sustainable Profit Profit After Tax Total Revenue (IDR Trillion) (IDR Trillion) 63.5% YOY 8.9% YOY 21.2% 2.0 Fee Income 20.4% Ratio 1.2 Total Revenue 11.5 10.5 Non-Interest Dec-21 Dec-22 2.3 Income 2.5 ↓-8.3% YOY Pre Provision Operating Profit (PPOP) (IDR Trillion) Net Interest 6.
Slide 17: More Efficient Business Process
More Efficient Business Process Net Interest Margin BOPO 7.6% YOY 30 bps YOY 90.1% 4.3% 82.4% 4.2% 74.2% 72.5% 73.4% 4.0% 4.0% BOPO 3.8% Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 NIM Cost to Income Ratio 21 bps YOY Dec-21 Dec-22 Mar-22 Jun-22 Sep-22 Dec-22 54.9% 55.1% *) NIM Sep-21 and Dec-21 are restated,
Slide 18: Positive Loan Growth with Diversified Portfolio
Positive Loan Growth with Diversified Portfolio WB Loan Composition (as of 31 December 2022) Total Loan (Rp Triliun) 8.7% YOY Commercial 18% 19.0 Sharia Financing ↑ 14.7% YOY 16.5 Total Loan 136.3 Corporate 125.5 0.8 82% 0.8 Wholesale Banking (WB) 87.4 79.2 ↑ 10.3% YOY RB Loan Composition (as of 31
Slide 19: Better Loan Quality with Sufficient Provision
Better Loan Quality with Sufficient Provision Gross NPL NPL Coverage Ratio (%) 7 bps YOY Well Maintained Above >200% 240.3% 0.7% Net NPL 0.4% 227.4% Gross NPL 3.2% 3.1% Cost of Credit 3.0% 2.1% Dec-21 Dec-22 Dec-21 Dec-22 Source : Published report, ratio (%) are calculated using Bank Only Statements
Slide 20: LAR and LAR Coverage Prudently Maintained
LAR and LAR Coverage Prudently Maintained Loan At Risk (LAR) LAR Coverage Ratio (IDR Trillion) (%) 19.5% YOY 20% YOY 14.6% 10.9% % LAR / Total Loan 69% 18.4 Total LAR 4.0 14.8 49% NPL amount 4.2 ↑ 6.4% YOY 4.8 Col. 2 4.3 ↓ -8.9% YOY 9.6 Col. 1 Restru 6.2 ↓ -35.4% YOY Dec-21 Dec-22 Dec-21 Dec-22 Sour
Slide 21: Covid-19 Restructured Loan Continue Declining
Covid-19 Restructured Loan Continue Declining Restructured Loan due to Covid-19 Loan Restructured Covid-19 (IDR Trillion) by Segment 26.3% YOY SME 8% 9.9 Wholesale 7.3 Banking Total (WB) 24% 7.9% Loan Restructure due to COVID-19 5.4% Retail As of 31 Dec 2022: (RB) IDR 7.3 Tn 68% Dec-21 Dec-22 % rest
Slide 22: Continue Improving CASA
Continue Improving CASA Deposit by Business Total Deposit (as of 31 December 2022) (IDR Trillion) 8.8% YOY 25.6 Sharia Deposit Wholesale 24.0 Banking Retail Banking ↑ 6.6% YOY 41% 59% 195.6 Total Deposit 179.8 82.2 Time Deposit 82.7 ↓ -0.6% YOY CASA Ratio 4.0% YOY 113.4 CASA 59.3% 97.1 58.7% ↑ 16.8%
Slide 23: Maintain Strong Capital, Above Industry Average
Maintain Strong Capital, Above Industry Average Total Capital Capital Adequacy Ratio (CAR) (IDR Trillion) 0.9% YOY 4.1% YOY 34.9% 47.1 34.2% 33.1% 33.0% 33.2% CAR 45.2 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Dec-21 Dec-22 CET-1 RATIO 0.8% YOY Dividend Payment for Financial Year 2021 26.7% On June 21, 202
Slide 24: Business Updates
BUSINESS UPDATES Model Branch Mural in Semarang (Bangkong)
Slide 25: Wholesale Banking Business Initiatives
Wholesale Banking Business Initiatives ACTIVELY PARTICIPATE IN SYNDICATION ACTIVELY PARTICIPATE IN ENVIRONMENT- FINANCING FRIENDLY & SUSTAINABLE DEVELOPMENT Actively participates in syndicated financing and acts as a PermataBank participated in providing green financing for PT facility agent and sec
Slide 26: Wholesale Banking Digital Business Capabilities
Wholesale Banking Digital Business Capabilities 26
Slide 27: Retail Banking Business Initiatives
Retail Banking Business Initiatives MORTGAGE CREDIT CARD SAVINGS Focus on the primary market, strengthen • Various bundling programs & innovative Building the Mass Affluent partnerships with key developers. products Segment which also offers Sharia- • Apply Credit Card Online based savings products.
Slide 28: Retail Banking Business Initiatives
Retail Banking Business Initiatives 8th WEALTH WISDOM, COLLABORATION WITH BUSINESS PARTNERS THE BIGGEST WHOLISTIC WEALTH CONFERENCE IN INDONESIA CASH MANAGEMENT LOAN CHANELLING DIGITAL PAYMENT Wealth Wisdom is our commitment to continue in making a INVESTMENT difference and provide added value to ou
Slide 29: Retail Banking Digital Business Capabilities
Retail Banking Digital Business Capabilities PERMATANET PERMATA ATM PERMATA MOBILE X MOBILE BANKING DIGITAL MODEL BRANCH PERMATABANK.COM RELATIONSHIP MANAGER PERMATA QRPAY PERMATA EDC PERMATA TEL 29
Slide 30: Sharia Banking Business Initiatives & Capabilities
Sharia Banking Business Initiatives & Capabilities PERMATATABUNGAN PERMATATABUNGAN WEALTH MANAGEMENT PERMATABANK API BPR (S) PERMATA KPR IB BEBAS PAYROLLIB IB MITRAQR SUKUK SERIES DIGITALBPR/S PARTNERSHIP ENTERPRISE INTELLIGENCE for PERMATA TABUNGANHAJI NEW PERMATANET NEW CRM for ALLFRONTLINE ALL FR
Slide 31: Appendices
APPENDICES
Slide 32: BNLI Stock Information
HARGA SAHAM BNLI Stock BNLI Information Share Price 3500 25,000 Trading vol 22,582 (IDR) (Thou. unit) 3000 2980 20,000 2390 2500 2300 2240 2030 2070 2210 2190 1950 15,000 2000 2400 2130 1810 1980 1720 1765 1,710 1,5601,495 1,425 1,765 1,745 1,3701,350 1500 1,2801,195 8,954 1,405 1,245 1,215 1,185 1,
Slide 33: Balance Sheet
Balance Sheet (in IDR Tn.) Dec-22 Dec-21 YoY Cash 1.9 2.0 -4% Placement with Bank Indonesia 52.6 38.2 38% Placement with Other Banks 4.8 9.0 -47% Marketable Securities 55.1 56.4 -2% Loans (gross) 136.3 125.5 9% Allowance for Loan Impairment Losses (10.2) (9.0) 12% Other Assets 14.6 12.4 18% Total As
Slide 34: Income Statement
Income Statement (in IDR bn) Dec-22 Dec-21 YoY Net Interest Income 9,122 7,975 14% Non Interest Income 2,333 2,543 -8% Revenue 11,456 10,518 9% Operating Expense 6,047 5,458 11% Pre Provision Operating Profit 5,409 5,060 7% Provision for losses 2,812 3,643 -23% Operating Profit 2,597 1,417 83% Non O
Slide 35: Financial Ratios
Financial Ratios Financial Ratios (in %) Dec-22 Dec-21 YoY CET-1 ratio 25.7 26.7 -1.0 Total CAR 34.2 34.9 -0.7 Loan to Deposit Ratio (LDR) 68.9 69.0 0.0 CASA Ratio 58.0 54.0 4.0 ROA 1.1 0.7 0.4 ROE 4.5 2.9 1.6 BOPO 82.4 90.1 -7.6 CIR 55.1 54.9 0.2 NIM 4.3 4.0 0.3 NPL Gross 3.1 3.2 -0.1 NPL Net 0.4 0
Slide 36: PT Bank Permata Tbk Investor Relations Unit
PT BANK PERMATA TBK INVESTOR RELATIONS UNIT World Trade Center II Jalan Jend. Sudirman Kav. 29-31 Jakarta 12920 - Indonesia Website: www.permatabank.com/id/tentang-kami/hubungan-investor Email: investor.relations@permatabank.co.id