Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — Q1 2017 Earnings Presentation
16 slides from Pt Bank Permata Tbk Class A's earnings presentation, March 2017
Slide 1: PT Bank Permata Tbk Business and Financial Update
PT Bank Permata Tbk March 2017 Business and Financial Update
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 Key Highlight ..…...……………………………………………………………………..... 5 Financial Highlights IS, B/S & Key Ratios ………………………………………………..... 6 - 8 Loan, Loan Quality & Coverage …………………………………….....…………………… 9 - 10 Deposits …………………………………………
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 now known as the Indonesian Stock Exchange A major conglomerate with one of the (BEI) largest market cap in Indonesia Asse
Slide 5: Key Highlights
Key Highlights • Has seen profit turn-around in 1Q-2017. Net profit of Rp 453bn (consolidated) vs (Rp 375bn) in 1Q-2016 • The work on the bad book is progressing well; impact to improvement in asset quality, through restructuring, recovery, and sale of NPL portfolio, with coverage ratio of 135 % • H
Slide 6: Income Statement
Income Statement (in IDR bn) Mar-16 Mar-17 YoY Net Interest Income 1,545 1,292 -16% Non Interest Income 624 1,118 79% Revenue 2,170 2,409 11% Operating Expense 1,149 1,179 3% Pre Provision Operating Profit 1,021 1,231 21% Provision for losses 1,550 670 -57% Operating Profit (530) 561 N/M Non Operati
Slide 7: Balance Sheet
Balance Sheet (in IDR tn) Mar-16 Mar-17 YoY Cash 1.6 2.0 21% Placement with Bank Indonesia 14.6 19.5 34% Placement with Other Banks 1.5 3.3 120% Marketable Securities * 22.8 34.7 52% Loans (gross) 122.7 95.4 -22% Allowance for Loan Impairment Losses (5.2) (8.2) 60% Other Assets 16.7 18.1 9% Total As
Slide 8: Key Ratios
Key Ratios (in %) Mar-16 Dec-16 Mar-17 CET-1 ratio 10.9 11.8 13.2 Total CAR 15.1 15.6 17.0 LDR 90 80 75 CASA ratio * 38 47 46 ROA -1 -5 1 ROE -10 -38 13 BOPO 111 151 87 CIR 53 56 49 NIM 3.9 3.9 3.5 NPL Gross 3.5 8.8 6.4 NPL Net 1.8 2.2 2.2 NPL Coverage ratio 121 122 135 Note: CASA Ratio includes Sha
Slide 9: Loan
Loan Loans Growth (IDR tn) YOY 11% YOY -22% YOY 26% 131.9 127.8 122.7 118.8 YOY 36% 94.4 95.4 CAGR 24% 69.3 Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Mar-16 Mar-17 By Currencies* Conventional vs Sharia* By Segments* Credit Card, Personal Loan, 1% Sharia, 12% 2% Joint Finance, 11% FCY, 18% Mortgage, 14% Who
Slide 10: Loan Quality & Coverage
Loan Quality & Coverage Loan by Collectability (% to total Loan) NPL and Coverage 135% 3.5 tn 4.3 tn 9.2 tn 6.1 tn 122% 121% 2.7% 6.4% 3.5% 8.8% 12.4% 97% 15.5% 12.1% 11.0% 8.8% 6.4% 84.9% 81.0% 81.5% 3.5% 80.2% 2.7% 1.4% 1.8% 2.2% 2.2% Dec-15 Mar-16 Dec-16 Mar-17 Dec-15 Mar-16 Dec-16 Mar-17 Coll 1
Slide 11: Deposits
Deposits IDR tn ** Mar-16 Mar-17 YoY By Currencies* Current Account 27.2 30.7 13% 17% 17% Saving Account 25.2 28.4 12% Total CASA 52.4 59.0 13% 83% 83% Time Deposits 84.0 68.4 -19% Total 136.4 127.4 -7% CASA Ratio ( % ) 38 46 Mar-16 Mar-17 IDR Non IDR Conventional vs Sharia * 8% 11% • Strong Liquidi
Slide 12: Capital
Capital Capital Ratios (%) Impact after Rights Issue, on a 19.3 proforma basis 18.6 17.0 15.6 15.1 15.5 14.7 13.2 11.8 10.9 • Well capitalized. CET-1 ratio and total CAR of 13.2% and 17.0% in March 2017; far in excess of regulatory minimum Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 • Strong support from the
Slide 13: Share Price & Ratings
Share Price & Ratings Share Price & Trading Volume Rating Agencies Rating/Outlook In IDR Thousands Corporate Rating id AAA / Stable 1,400 300,000 Senior Bond Rating id AAA Pefindo 1,200 (Sep 2016) 250,000 Pre Basel-III Sub Debt Rating id AA+ 1,000 Basel-III Compliant Subordinated Bonds Rating id AA
Slide 14: Board of Directors
Board of Directors Ridha DM Wirakusumah Julian L.C. Fong President Director Vice President Director Indri K. Hidayat Mirah Wiryoatmodjo Lea Kusumawijaya Loh Tee Boon Human Resources Director Legal and Compliance Director (Independent) Finance Director Risk Director Darwin Wibowo * Bianto Surodjo Ach
Slide 15: Board of Commissioners
Board of Commissioners Sebastian Ramon Arcuri Suparno Djasmin * President Commissioner Vice President Commissioner David Allen Worth Lukita Dinarsyah Tuwo Tony Prasetiantono Independent Commissioner Independent Commissioner Independent Commissioner Ian Charles Anderson * DR. Ir. I. Supomo Mark Spenc
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