Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — Q3 2021 Earnings Presentation
56 slides from Pt Bank Permata Tbk Class A's earnings presentation, Nov 10, 2021
Slide 1: Jakarta, 10th November 2021
Jakarta, 10th November 2021 1
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
Slide 4: Company Profile
COMPANY PROFILE YEAR ESTABLISHED LISTED AT STOCK MARKET STOCK CODE SHAREHOLDERS BUSINESS SEGMENT 1995 Since 1990 at Bangkok Bank Public Retail Banking Jakarta Stock Company Limited Wholesale Banking Exchange and 98.71% Sharia Banking Surabaya Stock Exchange (currently merged and known Public as the
Slide 5: Board of Commissioners
BOARD OF COMISSIONERS Chartsiri Sophonpanich Chong Toh Niramarn Laisathit Haryanto Sahari President Commissioner Commissioner Commissioner Independent Commissioner Rahmat Waluyanto Goei Siauw Hong Yap Tjay Soen Independent Independent Independent Commissioner Commissioner Commissioner 5
Slide 6: Board of Directors
BOARD OF DIRECTORS Chalit Tayjasanant Dhien Tjahajani Lea Kusumawijaya Abdy Dharma Salimin President Director Compliance Director Finance Director IT & Operation Director Djumariah Tenteram Darwin Wibowo Herwin Bustaman Dayan sadikin Suwatchai Songwanich Retail Banking Wholesale Banking Sharia Banki
Slide 7: One of the Best Top Banks in Indonesia
ONE OF THE BEST TOP 10 BANKS IN INDONESIA BRANCH CASH OFFICES OFFICES 257 12 CUSTOMER MOBILE ~ 4 Million BRANCHES 1 STAFF SHARIA AI CALL ~ 8,000 BRANCHES CENTER 22 7
Slide 8: Bankwide Strategic Direction and Implementation
BANKWIDE STRATEGIC DIRECTION AND IMPLEMENTATION 8
Slide 9: Awards
AWARDS The Best Financial Resilience Bank (Category: “Best Digital Partnership of The Year” Best Retail Banking in Indonesia & Best The Favorite Mortgage Bank in Conventional & Sharia Bank with Asset >100 Tn.) at and “Best Mortgage Home Loan Product Mortgage Offering, awarded by Retail Secondary Mar
Slide 10: Journey with Strategic Shareholder – Bangkok Bank
JOURNEY WITH STRATEGIC SHAREHOLDER – BANGKOK BANK May October December July 2021 2020 2020 2020 2021 Onwards Bangkok Bank Bangkok Bank Bangkok Bank Bangkok Bank fully Synergies between successfully completed completed Mandatory Indonesia branches participated in Bangkok Bank and PermataBank acquisit
Slide 11: Synergy with Bangkok Bank
SYNERGY WITH BANGKOK BANK
Slide 12: Bangkok Bank: from 1944 to the present time
STRATEGIC SHAREHOLDER SUPPORT Bangkok Bank : from 1944 to the present time … 12
Slide 13: Grown to become one of the leading ASEAN banks
STRATEGIC SHAREHOLDER SUPPORT … we have grown to become one of the leading ASEAN bank Manageable NPL Current NPL ratio of 3.7% 13
Slide 14: Largest Bank in Thailand
STRATEGIC SHAREHOLDER SUPPORT Largest Bank in Thailand Note: /1 Attributable to owners of the Bank /4 Data as of June 2021 /2 For BBL international lending is classified as loan made through international banking network /5 System market share data as of August 2021 For other banks, international le
Slide 15: #1 Corporate Bank in Thailand
STRATEGIC SHAREHOLDER SUPPORT #1 Corporate Bank in Thailand Leading corporate banking franchise in Thailand Largest exposure to corporate and lowest exposure to SME and retail among peers As of September 2021 Strong, longstanding corporate lending relationships, serving a large percentage of listed
Slide 16: Prudent Loan Growth and Diversified Loan Portfolio
STRATEGIC SHAREHOLDER SUPPORT … with Prudent Loan Growth and Diversified Loan Portfolio Loan +6.6% YTD Billion Baht +4.3% QoQ 2,420 2,524 2,368 2,369 2,004 2,083 2,061 /1 /1 /1 /1 2017 2018 2019 2020 Mar-21 Jun-21 Sep-21 Notes: /1 Include Permata’s loan 16
Slide 17: Comprehensive Digital Strategy to Power Future Growth
STRATEGIC SHAREHOLDER SUPPORT … and Comprehensive Digital Strategy to Power Future Growth 17
Slide 18: Unique Global Footprint with Focus on Asia and ASEAN
STRATEGIC SHAREHOLDER SUPPORT We Have Unique Global Footprint with a Focus on Asia And ASEAN 18
Slide 19: Growth Upside from Regional Integration in Indochina
STRATEGIC SHAREHOLDER SUPPORT … and Growth Upside from Regional Integration in Indochina 19
Slide 20: Realizing Synergies between PermataBank and Bangkok Bank
STRATEGIC SHAREHOLDER SUPPORT Realizing Synergies between PermataBank and Bangkok Bank Integration of Permata and BBI, 10th Largest Bank in Indonesia • Larger capital base to serve existing customers • 300 branches to provide full banking services to BBI customers Sharing of Corporate Banking Capabi
Slide 21: Macroeconomic Update Q3 2021
MACROECONOMIC UPDATE Q3 2021
Slide 22: Indonesia Macroeconomic Projection
MACROECONOMIC UPDATE Indonesia Macroeconomic Projection FX RATES (IDR/USD) 15,000 LOAN & DEPOSIT GROWTH (%YoY) 14,800 PROJECTION 14,525 14,500 14,600 14,456 14,442 11.1 11.3 14,357 14,323 14,341 14,326 9.4 PROJECTION 14,400 14,200 14,050 6.1 6.5 6.3 6.0 14,000 5.4 4.9 4.9 5.4 13,806 4.4 4.3 4.4 13,8
Slide 23: China's Energy Crisis and Higher Demand for Raw Commodities
MACROECONOMIC UPDATE China’s Energy Crisis and Higher Demand for Raw Commodities China’s Proportion in Global Commodity Commodity Price Index and China’s Consumption. Economic Growth China Others 600 20 100% 90% 500 15 80% 39.8 41.7 Energy and Metal Price Index 44.8 48.2 70% 57.2 400 10 China GDP yo
Slide 24: Higher Commodity Prices will Benefit Indonesia
MACROECONOMIC UPDATE Higher Commodity Prices will Benefit Indonesia Commodity Price Index and Indonesia’s Economic Growth 500 10 HS Code 4 Digit Top 10 Products (% Share) 2016 2017 2018 2019 2020 Palm oil and its fractions, whether or not refined 1511 9.9 11.0 9.2 8.8 10.6 450 8 (excluding chemicall
Slide 25: China's Property Sector Shrinks for the 1st Time since Pandemic
MACROECONOMIC UPDATE China’s Property Sector Shrinks for the 1st Time since Pandemic • Before the pandemic, China’s property & construction industries never contracted in data back to 1992. The contraction started in Q3 2021, weighted by a slump in real estate • Output in the real-estate industry, a
Slide 26: Indonesia's Real Estate Sector Share in GDP Tends to Increase
MACROECONOMIC UPDATE Indonesia’s Real Estate Sector Share in GDP Tend to Increase since 2019 Real Estate Sector GDP 3.15 10.0 3.10 8.0 3.05 6.0 Rea Estate GDP Share (%) 4.0 Growth (%) 3.00 2.0 2.95 0.0 2.90 -2.0 2.85 -4.0 2.80 -6.0 4Q12 3Q15 2Q18 3Q18 2Q21 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 1Q13 2Q1
Slide 27: Financial Performance Q3 2021
FINANCIAL PERFORMANCE Q3 2021
Slide 28: Healthy Asset and Loan Growth During Pandemic
Q3 2021 FINANCIAL PERFORMANCE Healthy Asset and Loan Growth During Pandemic TOTAL GROSS LOAN TOTAL ASSET IDR Trillion IDR Trillion ↑ 20.7% YOY ↑ 31.2% YOY 218.9 124.2 197.7 118.1 166.8 102.9 Sep-20 Dec-20 Sep-21 Sep-20 Dec-20 Sep-21 Source : Published report (consolidated). 28 28
Slide 29: Sustainable Profit Growth During Period of Economy Uncertainty
Q3 2021 FINANCIAL PERFORMANCE Sustainable Profit Growth During Period of Economy Uncertainty PRE-PROVISION OPERATING PROFIT PROFIT AFTER TAX IDR Billion IDR Billion ↑ 28.2% YOY ↑ 93.5% YOY 3,763 831.4 3,455 721.6 2,694 429.8 Sep-20 Dec-20 Sep-21 Sep-20 Dec-20 Sep-21 Source : Published report (consol
Slide 30: Digitization Maintained NIM Well and Improving Cost Efficiency
Q3 2021 FINANCIAL PERFORMANCE Digitization Maintained NIM Well and Improving Cost Efficiency NET INTEREST MARGIN (NIM) COST TO INCOME RATIO (CIR) % % ↓ 618 bps YOY 4.7% 59.8% 58.7% 59.5% 4.4% 4.5% 4.4% 4.4% 52.7% 53.6% Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Source : Pu
Slide 31: Loan Quality Remain Strong and Prudently Maintained
Q3 2021 FINANCIAL PERFORMANCE Loan Quality Remain Strong and Prudently Maintained GROSS NPL NPL COVERAGE RATIO ↓ 48 bps YOY Maintained above 200% 1.5% 1.0% 0.9% 239% 217% 3.8% 2.9% 3.3% 4.9% 118% 5.2% 5.4% 2.0% 0.9% 1.1% 92.2% 91.5% 90.8% Sep-20 Dec-20 Sep-21 Sep-20 Dec-20 Sep-21 Current SML NPL NPL
Slide 32: Restructured Loan due to COVID-19 Keep Decreasing
Q3 2021 FINANCIAL PERFORMANCE Restructured Loan due to COVID-19 Keep Decreasing RESTRUCTURED LOAN RESTRUCTURED LOAN BY SEGMENT % % 8.4% 12.1% Total restructured loan on COVID-19 26.0% of IDR 10.4 Tn as of Sep 2021 61.9% 91.6% Restructured Loan COVID-19 Non-Restructured Loan Wholesale Retail SME Sour
Slide 33: Third Party Funding Grew Strongly with Solid CASA Ratio and Healthy LDR
Q3 2021 FINANCIAL PERFORMANCE Third Party Funding Grew Strongly with Solid CASA Ratio and Healthy LDR THIRD PARTY FUND CASA RATIO IDR Trillion ↑ 22.6% YOY 53% 51% 51% 163.5 145.6 133.3 Sep-20 Dec-20 Sep-21 86.7 +28% YOY 74.5 67.7 LOAN TO DEPOSIT RATIO 71.1 76.8 79% 65.7 +17% YOY 75% 74% Sep-20 Dec-2
Slide 34: Strongest Capital Position amongst Peers
Q3 2021 FINANCIAL PERFORMANCE Strongest Capital Position amongst Peers CAR CET-1 TOTAL CAPITAL TIER-1 CAPITAL % % IDR Trillion IDR Trillion ↑ 1,245 bps YOY ↑ 535 bps YOY ↑ 90.7% YOY ↑ 94.7% YOY Total 44.4 Capital 42.9 35.7% 34.0% 21.6% 23.3 41.5 43.1 26.9% 25.9% 20.5% 22.2 Sep-20 Dec-20 Sep-21 Sep-2
Slide 35: Business Updates Q3 2021
BUSINESS UPDATES Q3 2021
Slide 36: Wholesale Banking
WHOLESALE BANKING
Slide 37: Strong and Sustainable Business Growth from Overall Aspect
WHOLESALE BANKING PERFORMANCE Strong and Sustainable Business Growth from Overall Aspect LOAN THIRD PARTY FUND IDR Trillion IDR Trillion ↑ 45.4% YOY ↑ 55.1% YOY 59.4 77.3 53.1 38.3 36.0 +94% YOY 18.6 +19% YOY 19.7 23.5 Sep-20 Sep-21 Sep-20 Sep-21 Wholesale Banking Loan Time Deposit CASA Notes: Conso
Slide 38: Continue Building Relationships for Prudent and Healthy Loan Growth
WHOLESALE BANKING PERFORMANCE Continue Building Relationships for Prudent and Healthy Loan Growth 38
Slide 39: Enhancing Value Chain Concept & Mitigate for Further Risk
WHOLESALE BANKING STRATEGY Enhancing Value Chain Concept & Mitigate for Further Risk 39
Slide 40: Retail Banking
RETAIL BANKING
Slide 41: Focus on the Growth of Quality Asset while Maintaining Strong Liquidity
RETAIL BANKING PERFORMANCE Focus on the Growth of Quality Asset while Maintaining Strong Liquidity LOAN THIRD PARTY FUND IDR Trillion IDR Trillion ↓ 5.6% YOY ↑ 9.5% YOY 44.2 46.9 104.1 95.0 7% 23% -6% -49% -19% +10% YOY 50.7 24.1 45.9 19.7 12.0 14.8 +15% YOY 49.1 53.4 3.6 9.0 4.6 3.4 Credit Card & J
Slide 42: Serving Holistic Customer Necessities with Best Customer Experience
RETAIL BANKING PERFORMANCE Serving Holistic Customer Necessities with Best Customer Experience Customer Scale up Digital adoption focused Retail Business everywhere Build quality and Operational Data driven profitable businesses excellence decision making 42
Slide 43: Growing Ecosystem Through Strategic Partnership
RETAIL BANKING PERFORMANCE Growing Ecosystem Through Strategic Partnership MOU with Mandaya Hospital Cash withdrawal for our Customers Strategic partnership providing providing one-stop banking solution at more than 18,000 Indomaret franchise ownership financing to for financing, cash management, ou
Slide 44: Highlighted Business Initiatives
RETAIL BANKING PERFORMANCE Highlighted Business Initiatives 55 Inspirational Speakers in Wealth Wisdom, including: • Ms. Sri Mulyani, Minister of Finance • Mr. Sandiaga Uno, Minister of Tourism and Creative Economy • Mr. Erick Thohir, Minister of State Owned Enterprises (BUMN) • Mr. Budi Sadikin, Mi
Slide 45: Retail Products and Services in Permata MobileX
RETAIL BANKING PERFORMANCE Providing Convenience and Easy Access to All Retail Products and Services in Permata MobileX CUSTOMER CENTRIC PRODUCTS & SERVICES PermataTabungan Bebas Permata Deposito Permata Kartu Kredit Permata KTA Permata KPR Mutual Fund Free Withdrawal at Credit Card 0% Credit Card a
Slide 46: Sharia Banking
SHARIA BANKING
Slide 47: Sharia Banking Growth is Inline with Other Business Segment
SHARIA BANKING PERFORMANCE Sharia Banking Growth is Inline with Other Business Segment FINANCING THIRD PARTY FUND IDR Trillion IDR Trillion ↑ 10.6% YOY ↑ 17.9% YOY 21.9 15.7 14.2 18.5 Sep-20 Sep-21 Sep-20 Sep-21 Notes: Consolidated Report, exclude loan to other segments 47
Slide 48: Continue Providing Digital Solution to Support Customer
SHARIA BANKING PERFORMANCE Continue Providing Digital Solution to Support Customer 48
Slide 49: Optimizing on Leveraging Business Models with Retail & Wholesale Bank
SHARIA BANKING STRATEGY Optimizing on Leveraging Business Models with Retail & Wholesale Bank 49
Slide 50: Appendices
APPENDICES
Slide 51: Balance Sheet
BALANCE SHEET (in IDR Bn) 30-Sep-20 31-Dec-20 31-Mar-21 30-Jun-21 30-Sep-21 YoY Cash 1,594 1,795 1,554 1,592 1,508 -5% Placement to BI 16,466 23,228 18,245 31,844 29,571 80% Placement with other Banks 3,981 3,735 5,217 6,431 10,133 155% Marketable Securities 23,866 24,350 29,716 35,570 40,259 69% To
Slide 52: Profit and Loss
PROFIT AND LOSS (in IDR bn) 30-Sep-20 31-Dec-20 31-Mar-21 30-Jun-21 30-Sep-21 YoY Net Interest Income 4,653 6,809 1,996 4,028 5,947 28% Non Interest Income 1,738 2,329 386 930 1,512 -13% Revenue 6,391 9,138 2,382 4,958 7,460 17% Operating Expense 3,697 5,375 1,311 2,615 4,005 8% Staff costs 1,966 2,
Slide 53: Financial Ratios
FINANCIAL RATIOS (in %) Sep-21 Sep-20 ∆ (%) CET-1 ratio 25.9 20.5 5.4 Total CAR 34.0 21.6 12.4 LDR 74.1 74.5 -0.5 CASA Ratio 53.0 50.8 2.2 ROA 0.8 0.7 0.1 ROE 3.1 2.7 0.5 BOPO / OEM 88.31 92.04 -3.7 CIR 53.6 59.8 -6.2 NIM 4.4 4.4 0.3 NPL (Gross ) 3.3 3.8 0.1 NPL (Net ) 0.9 1.5 -0.6 Loan at Risk (LAR
Slide 54: Stock Information
STOCK INFORMATION 3500 3200 700 2850 2900 3000 3020 600 2480 2390 2500 2170 2220 500 2090 2250 1960 2030 2000 1870 1810 20… 2040 1800 400 1915 1765 1715 1500 1687 1325 300 1000 1130 200 500 100 0 - Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21 Aug-21 Sep-21 Oct-21 Trad
Slide 55: Corporate Social Responsibility
CORPORATE SOCIAL RESPONSIBILITY 55
Slide 56: PermataBanks
PermataBanks V4 PT BANK PERMATA TBK INVESTOR RELATIONS UNIT World Trade Center II Jalan Jend. Sudirman Kav. 29-31 Jakarta 12920 Indonesia Phone +6221-523-7899 / +6221-523-7999 Website www.permatabank.com Email investor.relations@permatabank.co.id