Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — FY2017 Earnings Presentation
18 slides from Pt Bank Permata Tbk Class A's earnings presentation, December 2017
Slide 1: PT Bank Permata Tbk Business and Financial Update
PT Bank Permata Tbk December 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 Company’s Profile ..…...……………………………………………………………………..... 5 -6 Strategy Going Forward ……………………………………………………………………..... 7 Performance Highlights ……………………………………………………………………..... 8 - 9 Financial Highlights IS, B/S & Key Ra
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: 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 6: 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 7: 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 8: Performance Highlights
Performance Highlights 1 PermataBank (“Bank”) main focus during 2017: • Liquidity management - increased the level of trust from stakeholders by maintaining liquidity, improving profitability and strong public relationship to prevent "bank run" in the first quarter • Risk management – improved gover
Slide 9: Performance Highlights
Performance Highlights 3 Positive Loan growth in Q4 • Negative loan growth in 2017 up to Q3 by 12% resulting from Bank's focus to improve loan governance & risk management, liquidation and write off some of non-performing loans while maintaining credit growth cautiously. • In Q4 2017 good book loans
Slide 10: Income Statement
Income Statement (in IDR bn) Dec-17 Dec-16 YoY Q4-17 Q3-17 QOQ Net Interest Income 5,462 6,164 -11% 1,403 1,386 1% Non Interest Income 3,195 2,185 46% 1,012 562 80% Revenue 8,657 8,349 4% 2,415 1,947 24% Operating Expense 4,737 4,709 1% 1,235 1,171 5% Pre Provision Operating Profit 3,920 3,640 8% 1,
Slide 11: Balance Sheet
Balance Sheet (in IDR tn) Dec-17 Dec-16 YoY Sep-17 QoQ Cash 1.9 2.1 -6% 1.8 8% Placement with Bank Indonesia 13.1 18.4 -29% 16.8 -22% Placement with Other Banks 5.0 4.0 27% 3.2 58% Marketable Securities * 22.5 30.4 -26% 26.8 -16% Loans (gross) 97.6 105.0 -7% 92.8 5% Allowance for Loan Impairment Los
Slide 12: Key Ratios
Key Ratios (in %) Dec-17 Sep-17 Dec-16 CET-1 ratio 15.2 15.6 11.8 Total CAR 18.1 18.8 15.6 LDR 88 83 80 CASA ratio * 52 50 47 ROA 0.6 0.8 -4.9 ROE 4.8 6.2 -38.3 BOPO 95 93 151 CIR 55 56 56 NIM 4.0 3.9 3.9 NPL Gross 4.6 4.7 8.8 NPL Net 1.7 1.8 2.2 NPL Coverage ratio 191 175 122 Regulatory Coverage ra
Slide 13: Loan
Loan Conventional vs Sharia* Loans Growth (IDR tn) YOY 11% YOY 26% 131.9 127.8 118.8 YOY -7% YOY 36% 105.0 97.6 94.4 92.8 By Currencies* CAGR 24% 69.3 QoQ 5% Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Dec-16 Sep-17 Dec-17 *Notes: Bank only, as of Des 2017 Source: Published and Management Report 13
Slide 14: Loan Quality & Coverage
Loan Quality & Coverage Loan quality improves, Bank continues to recognize potential loan losses on a prudent basis Loan by Collectability (% to total Loan) NPL and Coverage 4.5 tn 254% 20.0% 9.2 tn 4.3 tn 240% 227% 220% 18.0% 8.8% 4.7% 4.6% 210% 191% 16.0% 12.8% 12.5% 175% 14.0% 11.0% 180% 150% 12.
Slide 15: Deposits
Deposits Continuous improvement in CASA Ratio IDR tn ** YoY Growth Deposits CAGR 13-17 Dec-13 Dec-14 Dec-15 Dec-16 Dec-17 Dec-14 Dec-15 Dec-16 Dec-17 Current Account 25.3 26.7 29.6 31.3 30.0 5% 11% 6% -4% 4% Saving Account 21.5 24.3 25.5 29.4 27.8 13% 5% 15% -5% 7% Total CASA 46.8 51.0 55.1 60.7 57.
Slide 16: Capital
Capital Capital Ratios (%) 18.9 18.8 18.1 17.0 15.6 15.6 15.4 15.2 • Well capitalized 13.2 11.8 • CET-1 ratio and total CAR of 15.2% and 18.1% in Dec 2017; far in excess of regulatory minimum (CET-1 = 7.75% and total CAR = 11.75% with risk profile of 2) Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Total CAR C
Slide 17: Shares & Rating
Shares & Rating Share Price & Trading Volume Rating Agencies Rating/Outlook In IDR Thousands Mayapada Corporate Rating id AAA / Stable group 800 issue 300,000 Pefindo Senior Bond Rating id AAA 700 (Sep 2017) 250,000 Pre Basel-III Sub Debt Rating id AA+ 600 Sale of NPL portfolio 200,000 Basel-III Com
Slide 18: 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