Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — H1 2018 Earnings Presentation
20 slides from Pt Bank Permata Tbk Class A's earnings presentation, June 2018
Slide 1: PT Bank Permata Tbk Business and Financial Update
PT Bank Permata Tbk June 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.………………………………………………………………………...... 4-5 Vision and Mission .………………………..………………………………………………..... 6–7 Strategy Going Forward .…………………………………………………………………...... 8 Performance Highlights .……………………………………………………………………....... 9 - 10 Financial Highlights IS, B/S &
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 (BEI) One of the largest listed companies in Indonesia with strong market posit
Slide 5: Wide Spread Networks and Distribution
Wide Spread 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 310 Conventional Branches 17 Shariah Branches 62 Cities 1,000 ATMs, 1
Slide 6: 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 7: I-PRICE
I-PRICE INTEGRITY PARTNERSHIP RESPONSIVENESS INNOVATION CARING EXCELLENCE Kita bekerja dengan Kita saling memahami Kita bekerja dengan Kita selalu berpikir Kita menaruh Kita memberikan mengutamakan dan bersama-sama cepat, akurat, dan inovatif untuk perhatian dan layanan prima kejujuran, sesuai memba
Slide 8: Strategy Going Forward
Strategy Going Forward BUILD FINANCIAL BUILDING BLOCKS - THROUGH DISCIPLINE EXECUTION • REVENUE: Grow customer (incl. partnership), deepen relationship (fee, cross-sell), increase NIM (e.g. pricing, unsecured lending), drive BETTER product/offerings • COST: Improve efficiency and productivity: proce
Slide 9: Performance Highlights
Performance Highlights 1 Positive business growth • Loan balances up by 11% yoy from IDR 92.7tn to IDR 103.2tn contributed by both Retail Banking and Wholesale Banking. Growth mainly contributed by good book in both Retail and Wholesale Banking approximately Rp 8.6tn (11% yoy) • Retail Banking loans
Slide 10: Performance Highlights
Performance Highlights 4 Bank is well capitalized • The completion of Divestment has further strengthen the Bank’s capital, and ability to allocate capital more optimum in lending as reflected in the Common Equity Tier 1 (CET-1) ratio and Total Capital Adequacy Ratio (CAR), improved from 15.4% and 1
Slide 11: Income Statement
Income Statement (in IDR bn) Dec-16 Dec-17 YoY Jun-17 Jun-18 YoY Net Interest Income 6,164 5,462 -11% 2,673 2,754 3% Non Interest Income 2,185 3,195 46% 1,621 793 -51% Revenue 8,349 8,657 4% 4,294 3,548 -17% Operating Expense 4,709 4,737 1% 2,331 2,351 1% Pre Provision Operating Profit 3,640 3,920 8
Slide 12: Balance Sheet
Balance Sheet Growth [Rp Tn] Dec-16 Jun-17 Dec-17 Jun-18 Dec-17 vs Jun-17 vs Dec-17 vs Dec 16 Jun 18 Jun 18 Marketable Securities * 30.4 22.9 22.6 13.5 -26% -41% -40% Loans (gross) ** 105.0 92.7 97.6 103.2 -7% 11% 6% Other Assets 30.1 29.0 28.1 42.7 -7% 47% 52% Total Assets 165.5 144.6 148.3 159.4 -
Slide 13: Key Ratios
Key Ratios (in %) Dec-16 Jun-17 Dec-17 Jun-18 CET-1 ratio 11.8 15.4 15.2 17.3 Total CAR 15.6 18.9 18.1 19.6 LDR 80.5 87 88 86 CASA ratio * 46.7 51.9 52.1 48.0 ROA (4.9) 1.0 0.6 0.5 ROE (38.3) 8.5 4.8 3.3 BOPO 150.8 91 95 98 CIR 56.2 54 55 66 NIM 3.9 3.8 4.0 4.0 NPL Gross 8.8 4.7 4.6 4.3 NPL Net 2.2
Slide 14: Loan
Loan Loans Growth (IDR tn) YOY 11% 105.0 103.2 97.6 92.7 YTD 6% Dec-16 Jun-17 Dec-17 Jun-18 By Currencies* Conventional vs Sharia* 19% 17% 17% 17% 10% 12% 14% 14% 81% 83% 83% 83% 90% 88% 86% 86% Dec-16 Jun-17 Dec-17 Jun-18 Dec-16 Jun-17 Dec-17 Jun-18 IDR Non IDR Conventional Sharia 14 *Notes: Bank o
Slide 15: Loan Quality & Coverage
Loan Quality & Coverage Loan quality improves, Bank continues to grow a good book and recognize potential loan losses on a prudent basis 240% 14.0% 211% 210% 191% 12.0% 180% 8.8% 166% 10.0% 150% 122% 8.0% 120% 6.0% 90% 4.6% 4.7% 4.3% 4.0% 60% 30% 2.2% 1.8% 1.7% 2.0% 1.5% 0% 0.0% Dec-16 Jun-17 Dec-17
Slide 16: Deposits
Deposits Deposits (IDR Tn) YOY 12% 130.0 111.1 119.3 106.5 31.3 28.2 27.5 30.0 29.4 29.0 27.8 27.8 YTD 7% 69.3 62.1 51.2 53.3 Dec-16 Jun-17 Dec-17 Jun-18 Deposito Tabungan Giro By Currencies* 18% 17% 15% 18% Deposits grew by 12% yoy with CASA growth of 4% yoy as a result 82% 83% 85% 82% of Bank’s ef
Slide 17: Capital – strong capital base to grow
Capital – strong capital base to grow Capital Ratios (%) 18.9 19.6 18.1 17.3 Stronger capital 15.6 15.4 15.2 position post sale of all investments in PT Astra 11.8 Sedaya Finance, as reflected in strengthened Common Equity Tier 1 (CET-1) ratio and Capital Adequacy Ratio Dec-16 Jun-17 Dec-17 Jun-18 (
Slide 18: Award in 2018
Award in 2018 2018 Contact Center Service Excellence Award Award with Exceptional predicate for the Regular Banking, Priority Banking, Regular Credit Card, Platinum Credit Card, Sharia Banking categories 2018 Banking Service Excellence Award – MRI / Infobank - Digital Banking Services Terbaik - Comm
Slide 19: CSR PermataHati focuses on education and financial literacy
CSR PermataHati berfokus pada pendidikan, khususnya literasi keuangan dengan memadukan berbagai aktivitas dalam tiga A pilarnya (3E) yaitu: Education , Enhancement, dan Empowerment Flagship Programs Literasi Keuangan bagi Inspirasi & Peningkatan Literasi keuangan Program Peningkatan pemimpin “Duta p
Slide 20: 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