Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — Q3 2022 Earnings Presentation
36 slides from Pt Bank Permata Tbk Class A's earnings presentation, October 2022
Slide 1: Q3 2022 Financial Results Analyst Presentation
PT BANK PERMATA TBK Q3 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: A Glimpse of PermataBank
A Glimpse of 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 Mio STOCK CODE 98.7% BNLI PUBLIK 1.3% TOTAL ASET CORPORATE RATING Rp 220.5 Tn. MARKET PEFINDO
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 273 NETWORK OFFICES *, 53 SHARIA OFFICE AND LANTAP (ONE STOP SERVICE) AND SUPPORTED BY 855 ATMS AND MORE THAN 20,000+ INDOMARET CHANNEL MODEL BRANCHES OFFICE BANG
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 Ban
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: Q3 2022 Financial Results
PermataBank Q3 2022 y FINANCIAL RESUL
Slide 14: Macroeconomic Updates
Macroeconomic Kondisi MakroUpdates Ekonomi Indonesia BI hike benchmark rate as pre-emptive and forward looking actions to GDP is still growing positive (yoy) lower inflation rate in next year 7 Days Reverse Repo rate 7.07% 5.01% 5.44% 4.25% 3.51% 4.00% 3.69% 3.75%3.50% 3.50% 3.50% 3.50% 3.50% 3.50%
Slide 15: Key Financial Highlights September 2022
Key Financial Highlights September 2022 LOAN GROSS (IDR Tn) DEPOSITS (IDR Tn) ASSET (IDR Tn) CAR (%) ↑ 9.2% YOY ↓ 1.2% YOY ↑ 0.7% YOY ↓ 87bps YOY 59% 53% 136 220 34.0 124 164 % 33.2 162 219 % Sep-21 Sep-22 Sep-21 Sep-22 Sep-21 Sep-22 Sep-21 Sep-22 GROSS NPL (%) LDR (%) NIM (%) BOPO (%) ↓ 20 bps YOY
Slide 16: Strong Revenue and Sustainable Profit
Strong Revenue and Sustainable Profit Profit After Tax Total Revenue (IDR Trillion) (IDR Trillion) 169.8% YOY 14.4% YOY 2.2 Fee Income 22.4% Ratio 21.8% 0.8 Total Revenue 8.5 7.5 Sep-21 Sep-22 1.9 Non-Interest Income 1.5 ↑ 23.1% YOY Pre Provision Operating Profit (PPOP) (IDR Trillion) Net Interest 2
Slide 17: More Efficient Business Process
More Efficient Business Process Net Interest Margin BOPO 14.9% YOY 18 bps YOY 88.3% 90.1% 4.2% 72.5% 74.2% 73.4% 4.1% 4.0% 4.0% BOPO 3.8% Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 NIM Cost to Income Ratio Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 0.5% YOY 54.9% *) NIM Sep-21 and Dec-21 are restated, calculated ba
Slide 18: Positive Loan Growth with Diversified Portfolio
Positive Loan Growth with Diversified Portfolio WB Loan Composition (as of 30 September 2022) Total Loan (Rp Triliun) 9.2% YOY Commercial 18% 18.7 Sharia Financing 15.7 ↑ 19% YOY 135.7 Total Loan Corporate 124.2 0.8 82% 0.7 Wholesale Banking (WB) 86.5 79.2 ↑ 9.2% YOY RB Loan Composition (as of 30 Se
Slide 19: Better Loan Quality with Sufficient Provision
Better Loan Quality with Sufficient Provision Gross NPL NPL Coverage Ratio (%) 20 bps YOY Well Maintained Above >200% 238% 0.9% Net NPL 0.5% 217% Gross NPL 3.3% 3.1% Cost of Credit 3.2% 1.6% Sep-21 Sep-22 Sep-21 Sep-22 Source : Published report, ratio (%) are calculated using Bank Only Statements 19
Slide 20: LAR and LAR Coverage Prudently Maintained
LAR and LAR Coverage Prudently Maintained Loan At Risk (LAR) LAR Coverage Ratio (IDR Trillion) (%) 17.2% YOY 22% YOY 16.0% 11.9% % LAR / Total Loan 62% 19.4 4.0 16.0 Total LAR 45% NPL amount 4.2 ↑ 4.1% YOY 6.5 5.4 Col. 2 ↓ 17.6% YOY 8.8 Col. 1 Restru 6.5 ↓ 26.6% YOY Sep-21 Sep-22 Sep-21 Sep-22 Sourc
Slide 21: Covid-19 Restructured Loan Continue Declining
Covid-19 Restructured Loan Continue Declining Restructured Loan due to Covid-19 Loan Restructured Covid-19 (Rp Triliun) by Segment 20.2% YOY SME 10.4 10% 8.3 Wholesale Banking (WB) 8.4% 23% Total Loan Restructure due to COVID-19 6.1% As of Sep 2022: IDR 8.3 Tn Retail (RB) 67% Sep-21 Sep-22 % restruc
Slide 22: Continue Improving CASA
Continue Improving CASA Deposit by Business (as of 30 September 2022) Total Deposit (Rp Triliun) 1.2% YOY WB 33% 21.9 22.4 Sharia Deposit ↑ 2.3% YOY RB 163.5 161.5 Total Deposit 67% Time Deposit 76.8 65.7 ↓ 14.6% YOY Saving Account CASA Ratio 39.4 35.5 ↑ 11.1% YOY 6.3% YOY Current Account 59.3% 56.5
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 5.4% YOY 34.9% 46.8 34.0% 33.1% 33.0% 33.2% CAR 44.4 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Sep-21 Sep-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 EXPANDING SELECTIVE CUSTOMER DEVELOP RELATIONSHIPS WITH MAIN CLIENTS BASE AND INDUSTRY PROSPECTIVE Provide financing to conglomerate groups in Indonesia. Support government programs in financing to MSMEs to improve RPIM. Providing services for receiving f
Slide 26: Wholesale Banking Business Initiatives
Wholesale Banking Business Initiatives ACTIVELY PARTICIPATE IN SYNDICATION BUILD NFI CAPABILITIES AND CONTINUE FINANCING DIGITAL TRANSFORMATION Actively participates in syndicated financing and acts as a Asia SameDay – remittance / facility agent and security agent in an effort to increase fee- tele
Slide 27: Wholesale Banking Digital Business Capabilities
Wholesale Banking Digital Business Capabilities 27
Slide 28: 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 29: Retail Banking Business Initiatives
Retail Banking Business Initiatives COLLABORATE WITH BUSINESS DIGITAL SOLUTION IN BANKING SERVICES PARTNER CASH MANAGEMENT PermataMobile X Merchant & QRIS Continuous PMobX innovation to Offering excellence in payment stay competitive in the market: systems through development of QR & API capabilitie
Slide 30: Retail Banking Digital Business Capabilities
Retail Banking Digital Business Capabilities PERMATANET PERMATA ATM PERMATA MOBILE X DIGITAL MODEL BRANCH PERMATABANK.COM RELATIONSHIP MANAGER PERMATA QRPAY PERMATA EDC PERMATA TEL 30
Slide 31: Appendices
= a APPENDICES. —
Slide 32: BNLI Stock Information
HARGA SAHAM BNLI Stock BNLI Information Share Price 3500 25,000 Trading vol (IDR) 22,582 (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 1,560 1,495 1,425 1,765 1,745 1,370 1,350 1500 1,280 1,195 8,954 1,405 1,245 1,215 1,185
Slide 33: Balance Sheet
Balance Sheet [Trillion IDR] Sep-21 Des-21 Mar-22 Jun-22 Sep-22 YoY Cash 1.5 2.0 1.7 1.7 1.6 4.5% Placement with Bank Indonesia 29.6 38.2 38.6 32.6 25.9 -12.6% Placement with Other Banks 10.1 9.0 7.2 6.6 5.6 - 44.5% Marketable Securities 49.0 56.4 57.9 47.9 46.0 - 6.2% Loan (gross) 124.2 125.5 129.5
Slide 34: Income Statement
Income Statement YOY [Billion IDR] Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 (%) Net Interest Income 5,947 7,975 2,080 4,299 6,670 12.1% Non-Interest Income 1,512 2,143 823 1,332 1,861 23.0% Total Revenue 7,460 10,118 2,903 5,632 8,531 14.4% Operating Expenses 4,005 5,455 1,398 2,802 4,276 6.8% Pre Provisi
Slide 35: Financial Ratios
Financial Ratios Financial Ratios Sep-21 Des-21 Mar-22 Jun-22 Sep-22 ∆ (%) YoY CET-1 25.9 26.7 25.4 25.0 25.1 - 0.8 CAR 34.0 34.9 33.1 33.0 33.2 - 0.9 LDR 74.1 69.0 69.9 77.7 83.3 9.2 CASA ratio 53.0 54.0 56.4 58.7 59.3 6.3 ROA 0.8 0.7 1.6 1.5 1.6 0.8 ROE 3.1 2.9 6.7 6.4 6.7 3.5 BOPO 88.3 90.1 72.5
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