Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — FY2018 Earnings Presentation
36 slides from Pt Bank Permata Tbk Class A's earnings presentation, December 2018
Slide 1: PT Bank Permata Tbk Business and Financial Update
PT Bank Permata Tbk December 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 Macro Economy……………………….……………………………………………………....... 4 Performance Highlights.……………………………………………………………………....... 5-6 PermataBank in Brief.………………………………………………………………………...... 7 Vision and Mission.…………………………..………………………………………………..... 8-9 Key Financial Highlights…………………………………………….
Slide 4: Macro Economy
Macro Economy Increasing interest rate Low inflation and still manageable 6.00% 6.00% 5.00% 4.5% 5.75% 5.25% 4.00% 3.13% 4.75% 3.00% 4.25% 4.25% 2.5% 4.50% 2.00% 1.00% 0.00% Mar-18 Dec-17 Dec-18 Jan-18 Apr-18 Aug-18 Oct-18 Feb-18 May-18 May-18 Jun-18 Jul-18 Sep-18 Nov-18 Dec-16 Dec-17 Dec-18 Apr-17
Slide 5: Performance Highlights: Significant Profit Growth
Performance Highlights 1 Significant Profit Growth • Bank recorded profit after tax of IDR901bn, a significant growth by 20% yoy and better than Revised RBB of IDR 750bn. This achievement was supported by good book assets growth, improved assets quality, recovery of problem loans through restructuri
Slide 6: Performance Highlights: Improved Asset Quality
Performance Highlights 3 Improved Asset Quality • Gross NPL and Net NPL ratio of 4.4% and 1.7% respectively, have improved compared to 2017 (4.6% dan 1.7%) and better than RBB target (4.5% dan 1.8%). • Improved NPLs were the result of continues NPL restructuring, loan write-offs, partial sales of NP
Slide 7: 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 now known as the Indonesian Stock Exchange One of the largest listed companies in (BEI) Indonesia with strong market posit
Slide 8: Vision and Mission
Vision and 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”. sederh
Slide 9: I-PRICE
I-PRICE INTEGRITY PARTNERSHIP RESPONSIVENESS INNOVATION CARING EXCELLENCE Kita bekerja dengan Kita saling memahami dan Kita bekerja dengan cepat, Kita selalu berpikir inovatif Kita menaruh perhatian Kita memberikan layanan mengutamakan kejujuran, bersama-sama membangun akurat, dan efektif dalam untu
Slide 10: Key Financial Highlights
Key Financial Highlights Dec 2017 Dec 2018 ∆ Loans (Rp Tn) 97.6 106.6 9% Gross NPL Ratio 4.6% 4.4% -0.2% Net NPL Ratio 1.7% 1.7% 0.0% NPL Coverage Ratio 191% 176% 15% CASA Ratio 52% 48% -4% [CASA (Rp Tn)] 57.8 56.8 -2% LDR 88% 90% 2% NIM 4.0% 4.1% 0.1% BOPO 95% 93% -2% CIR 54.5% 64.5% 10% Normalized
Slide 11: Financial Highlights - Income Statement
Financial Highlights - Income Statement (in IDR bn) Dec-18 Dec-17 YoY Q4-18 Q3-18 QOQ Net Interest Income 5,641 5,462 3% 1,471 1,416 4% Non Interest Income 1,615 3,195 -49% 445 376 18% Revenue 7,256 8,657 -16% 1,916 1,792 7% Operating Expense 4,695 4,737 -1% 1,210 1,133 7% Pre Provision Operating Pr
Slide 12: Stable NIM at 4.1%
Stable NIM at 4.1% 10.0% 9.4% 7.9% 8.0% 8.0% 8.2% 5.6% 6.0% 4.5% 4.3% 4.3% 3.9% 4.0% 4.0% 4.0% 4.1% 2.0% 0.0% Dec16 Mar 17 Jun 17 Sep 17 Dec- 17 Mar 18 Jun-18 Sep-18 Dec-18 Yield of Interest Earning Assets Cost of Interest Bearing Liabilities NIM Until 4Q-18 although the interest rate has increased,
Slide 13: Operating Expense
Operating Expense Operating Expense Dec-18 Dec-17 YoY (Consol, in IDR Bn) Amount % Comp. Amount % Comp. Personnel 2,352 50% 2,291 48% 3% Promotion 181 4% 127 3% 43% Information Technology 193 4% 178 4% 9% Depreciation and amortization 252 5% 303 6% -17% Others 1,715 10% 1,837 12% -7% Total 4,695 100
Slide 14: Financial Highlights - Balance Sheet
Financial Highlights - Balance Sheet (in IDR tn) Dec-18 Dec-17 YoY Cash 2.2 1.9 13% Placement with Bank Indonesia 16.6 13.1 27% Placement with other Banks 6.6 5.0 32% Marketable Securities * 15.4 22.5 -32% Loa ns (gross) 106.6 97.6 9% a. By segments Retail Banking 62.7 57.5 9% Wholesale Banking 43.4
Slide 15: Financial Highlights - Key Ratios
Financial Highlights - Key Ratios ∆ (in %) Dec-18 Dec-17 Dec-18 vs Dec-17 CET-1 ratio 17.6 15.2 2.4 Total CAR 19.4 18.1 1.3 CASA Ratio 48 52 -4 LDR 90 88 3 ROA 0.8 0.6 0.2 ROE 5.0 4.8 0.1 BOPO 93 95 -1 CIR 65 55 10 NIM 4.1 4.0 0.1 NPL Gross 4.4 4.6 -0.2 NPL Net 1.7 1.7 0.1 NPL Coverage Ratio 176 191
Slide 16: Loan
Loan Loans Growth (IDR tn) By Currencies* YOY 11% YOY 26% 131.9 17% 17% 17% 127.8 YOY 9.2% YOY 36% 118.8 83% 83% 83% 105.0 107.0 106.6 97.6 94.4 Dec-17 Sep-18 Dec-18 QoQ (0.4%) IDR Non IDR CAGR 24% 69.3 Conventional vs Sharia* Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Dec-16 Dec-17 Sep-18 Dec-18 14% 15% 14
Slide 17: LDR increased to 90%, Loan growth of 9%
LDR increased to 90%, Loan growth of 9% LDR (Bank Only) Loan by Segmen (Consol, in IDR Bn) YoY grw compo Segment (%) (%) 91% 552 RB 9% 59% 88% 89% 86% 90% 572 Credit Card 8% 2% 87% Personal Loan 32% 2% 83% 43,378 39,545 Joint Finance 7% 12% Mortgage 12% 15% 75% SME 7% 28% WB 10% 41% 29,759 27,863 Ot
Slide 18: Loan Quality & Coverage
Loan Quality & Coverage Loan by Collectability (% to total Loan) NPL and Coverage 4.5tn 5.1tn 4.6 tn 235% 20.0% 240% 220% 224% 18.0% 4.6% 4.8% 4.4% 210% 191% 189% 16.0% 11.2% 9.9% 176% 12.5% 180% 14.0% 150% 12.0% 10.0% 120% 8.0% 85.8% 90% 82.9% 84.1% 6.0% 60% 4.6% 4.8% 4.4% 4.0% 30% 2.0% 1.7% 1.7% 1
Slide 19: Deposits
Deposits IDR tn ** YoY Growth 5 (Year) Deposits Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 CAGR Current Account 26.7 29.6 31.3 30.0 28.1 5% 11% 6% -4% -2% 2% Saving Account 24.3 25.5 29.4 27.8 28.8 13% 5% 15% -5% 4% 6% Total CASA 51.0 55.1 60.8 57.8 56.9 9% 8% 10% -5% 1% 4
Slide 20: Capital – strong capital base to grow
Capital – strong capital base to grow Capital ratios (%) • Strong capital position as reflected in 19.6 19.2 19.4 18.1 17.7 strengthened Common Equity Tier 1 (CET-1) 17.6 ratio and Capital Adequacy Ratio (CAR) of 17.3 17.1 15.2 15.1 17.6% and 19.4% respectively, far higher than the minimum capital r
Slide 21: Shares & Rating
Shares & Rating Share Price & Trading Volume Rating Agencies Rating/Outlook In IDR Thousands Corporate Rating id AAA / Stable 800 Merger 160,000 Merger Issues Issues Senior Bond Rating id AAA Pefindo 750 140,000 (Sep 2018) Pre Basel-III Sub Debt Rating id AA+ 700 120,000 Basel-III Compliant Subordin
Slide 22: Business Updates
PermataBani? Business Updates
Slide 23: Business Updates – Retail Banking
Business Updates – Retail Banking Loans by Segment (Consolidated, Rp tn) Business Performance in 2018 +9% 62,7 1. Loan growth of 9% (yoy) and third party fund grew 61,5 by 6% (yoy) 57,5 Credit 2. In 2018, Retail Banking has done several digital 29.8 Card 27.9 28.6 initiatives, such as Voice ID, Digi
Slide 24: We entered partnerships with more business partners
We entered partnerships with more business partners CCPL DIGITAL OPENING, Nov ‘18 AMARTHA Online CCPL account opening. Speed up CC and PL credit decision Channelling initiative and strategic partnership with Amartha to process with lower CPA accelerate UMKM loan has already signed IDR 52.4 Bn in loa
Slide 25: Business Updates – Wholesale Banking
Business Updates – Wholesale Banking Loans (Consolidated, Rp Tn) Business Performance in 2018 +10% • 10% growth on asset was driven by both new acquisition and existing names from various segment. The growth was contributed by lending to corporate customers with strong credit grade. • Improvement in
Slide 26: Business Updates – Sharia Banking (1/2)
Business Updates – Sharia Banking (1/2) Loans (Rp Tn) Business Performance in 2018 +11% • PBT in 2018 was Rp 369bn or grew 12% yoy • Total Financing was Rp15.2tn, grew 11% yoy from both retail and wholesale segments • Total Deposit was Rp 15.0tn or grew 5% YoY 15.2 14.4 • Asset quality continues to
Slide 27: Business Updates – Sharia Banking (2/2)
Business Updates – Sharia Banking (2/2) Key Initiatives BILLBOARD 2017 - 2018 Branding MIPSTER PERSIB PermataMobile X Wealth Wisdom 27
Slide 28: Digital Banking Updates
PermataBani? Digital Banking Updates
Slide 29: Our new Digital Banking capabilities
Digital Banking Our new Digital Banking capabilities While 2017 had been about building our technology foundation layer, 2018 was all about delivering digital capabilities so that they set us apart from our competition and taking PermataBank to the next level: TOUCH ID FACE ID VOICE ID Launched in A
Slide 30: Our new Digital Banking capabilities
Digital Banking Our new Digital Banking capabilities Many of our digital capabilities are leading edge and the FIRST in the markets delivering great customer experience and our brand value – simple, fast and reliable: BUY/SELL BONDS BUY/SELL MUTUAL FUND ON- ON-LINE LINE DIGITAL VALUE CHAIN Launched
Slide 31: We launched our new mobile banking app PermataMobileX
Digital Banking We launched our new mobile banking app PermataMobileX PermataMobile X offers more than 200 features in one mobile banking app. Our customers now only need to deal with one super app that has all their accounts in one place. They can open CASA online, open Time Deposit, buy, sell
Slide 32: Award 2018
Award 2018 2018 Contact Center Service Excellence Award Penghargaan dengan predikat Exceptional untuk kategori Regular Banking, Priority Banking, Regular Credit Card, Platinum Credit Card, Sharia Banking 2018 Banking Service Excellence Award – MRI / Infobank - Digital Banking Services Terbaik - Kate
Slide 33: Appendices
PermataBani? Appendices
Slide 34: Shareholders and Management
Shareholders and Management Shareholders PT Astra International 1. 44,56% Tbk 2. Standard Chartered Bank 44,56% 3. Public 10,88% Total 100,00% Board of Commissioner Board of Directors President Commissioner Sebastian Ramon Arcuri President Director Ridha DM Wirakusumah 1) Vice President Commissioner
Slide 35: Nationwide Networks and Distribution
Nationwide Networks and Distribution We offer a variety of banking products for both individuals and SMEs. We also focus on Wholesale Banking which is concentrated in the middle market corporates and value chain business segments 323 Conventional branches 17 Sharia branches 62 city 1,005 ATMs, 16 Mo
Slide 36: 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 Email : eti.candrawati@permatabank.co.id dapranoto@permatabank.co.id Disclaimer: This report has been prepared