Pt Bank Qnb Indonesia Tbk · IDX:BKSW
Pt Bank Qnb Indonesia Tbk — QNB Group — Investor Presentation (March 2020)
37 slides from Pt Bank Qnb Indonesia Tbk's investor presentation, March 2020
Slide 1: Investor Relations Presentation
Investor Relations Presentation March 2020
Slide 2: Contents
Contents 1. QNB at a Glance 2. QNB Comparative Positioning – Qatar and MEA 3. Financial Highlights – as at 31 March 2020 4. Sustainability 5. Economic Overview Notes: All figures in US Dollars have been converted from Qatari Riyals based on the exchange rate of 1 US Dollar = 3.6405 Qatari Riyals In
Slide 3: QNB at a Glance
QNB at a Glance
Slide 4: QNB is a strong and highly rated bank with a growing international footprint
QNB is a strong and highly rated bank with a growing international footprint #1 bank in the Middle East and Africa across all financial metrics International network with presence in more than 31 countries Most valuable banking brand in the Middle East and Africa, worth USD 6.0 Bn1 About 29,000 empl
Slide 5: QNB's International Footprint
QNB's International Footprint Sub-Saharan Africa Middle East South Sudan: (1 Branch) Qatar: (59 Branches) Togo: (847 Branches4, 20.1% stake in KSA: (1 Branch) Ecobank) Asia UAE: (8 (+11) Branches, 40.0% stake in CBI) Indonesia: (19 Branches, 92.48% stake Syria: (15 (+301) Branches, 50.8% stake In QN
Slide 6: QNB Comparative Positioning – Qatar and MEA
QNB Comparative Positioning – Qatar and MEA
Slide 7: Top Domestic Banks – March 2020
Top 5 Domestic Banks – March 2020 QNB continues to excel in the domestic market Assets Loans 264.9 194.5 45.6 40.2 31.3 30.0 29.2 24.4 21.8 17.9 Deposits Net Profit 194.0 0.98 30.3 0.19 0.15 21.3 18.6 15.1 0.11 0.09 Note: All amounts are in USD billions 7 Source: Banks’ March 2020 Press Release or F
Slide 8: Top MEA Banks – March 2020
Top 5 MEA Banks – March 2020 QNB maintained its position as the leading bank in the region across all categories Assets Loans 264.9 194.5 227.4 188.3 162.1 123.5 142.1 104.0 82.8 81.1 Deposits Net Profit 194.0 0.98 0.75 135.3 127.2 0.66 0.63 0.57 99.7 94.4 Note: All amounts are in USD billions Sourc
Slide 9: QNB is the leading financial institution in the MEA region by brand value and market capitalisation
QNB is the leading financial institution in the MEA region with regards to brand value and market capitalisation Brand value and market capitalisation (USD Bn as at 31-Dec-19) Top MEA banking brands Top MEA banks by market capitalisation 6.03 52.2 4.13 45.1 4.03 43.6 3.51 39.4 2.67 25.2 Source: Bran
Slide 10: Financial Highlights – as at March 2020
Financial Highlights – as at 31 March 2020
Slide 11: QNB demonstrate sustainable profit growth
QNB demonstrate sustainable profit growth Financial Highlights (as at 31 March 2020) Growth vs. March 2019 • Net interest margin (NIM)2: 2.56% Profit1 • USD0.98 billion +0.1% • Cost to income ratio: 25.6% • Earnings per share: USD 0.1 • USD264.9 billion assets +9% • NPL (% of gross loans): 1.9% Asse
Slide 12: QNB ALAHLI
QNB ALAHLI Highlights (as at 31 March 2020) Growth vs. March 2019 • USD119.3 million +27% • Net interest margin (NIM)2: 5.98% Profit1 (EGP1.9 billion) (+14%) • Cost to income ratio: 28.0% • USD18.2 billion assets +26% (EGP287.2 billion) (+14%) • NPL (% of gross loans): 2.0% Assets • USD10.2 billion
Slide 13: QNB FINANSBANK
QNB FINANSBANK Highlights (as at 31 March 2020) Growth vs. March 2019 • USD121.3 million -1% • Net interest margin (NIM)2: 4.52% Profit1 (TRY0.7 billion) (+13%) • Cost to income ratio: 39.5% • USD33.2 billion assets +4% (TRY217.9 billion) (+21%) • NPL (% of gross loans): 4.7% Assets • USD20.3 billio
Slide 14: Geographical diversification positively contributes to growth
Geographical diversification positively contributes to growth Geographical Contribution (as at 31 March) Domestic International % Share of International as percentage of the total Net Profit1 Loans Deposits USD billion USD billion USD billion 0.98 0.98 194.5 194.0 0.94 172.5 175.3 163.8 165.9 109.8
Slide 15: Consistent High Profitability
Consistent High Profitability Income Statement Breakdown (USD billion as at 31 March) Net Profit1 Operating Income2 Net Interest Income % Cost to Income Ratio % Net Interest Margin3 5 yrs: 6% 5 yrs: 11% 0.98 0.98 1.84 5 yrs: 11% 0.94 1.71 1.48 0.88 1.67 0.79 1.49 1.28 1.32 1.15 1.12 0.90 2016 2017 2
Slide 16: Good asset growth driven by lending activities mainly in QAR and USD
Good asset growth driven by lending activities mainly in QAR and USD Assets Analysis (as at 31 March) Total Assets Evolution 2020 Split of Assets (%) USD billion By Type By Currency 5 yrs: 14% 264.9 Cash and Balances with 7.6 QAR 29.3 242.3 228.6 Central Banks USD 42.7 204.1 Due from 6.2 Banks TRY 4
Slide 17: Good loan growth
Good loan growth Loans Analysis (as at 31 March) Total Loans Evolution 2020 Split of Loans (%) USD billion By Geography By Sector1 5 yrs: 15% 194.5 Qatar 74.9 Govt. & Govt. 35.6 Agencies 172.5 163.8 Turkey 10.3 Services/ 147.2 37.0 Commerce Egypt 5.2 Industry 5.9 110.4 Europe 3.3 Real Estate & 10.5
Slide 18: High quality lending portfolio is highlighted by low NPL ratios
High quality lending portfolio is highlighted by low NPL ratios Asset Quality Analysis (as at 31 March) Non Performing Loans (NPL) by Segment • QNB has continued to x Total NPL’s increase its provisions in USD million response to the global 3,348 3,527 3,671 economic situation 1,467 1,633 1,382 • Th
Slide 19: High quality investment portfolio with 91% of securities rated AA or Sovereign
High quality investment portfolio with 91% of securities rated AA or Sovereign Investments Analysis (USD million as at 31 March 2020) Fair Value Through Other Comprehensive Income Amortised Cost Quoted Fixed rate Unquoted Floating rate State of Qatar 6,657 State of Qatar 3,692 Sovereign Debt 0 Sover
Slide 20: Robust growth in customer deposits and funding
Robust growth in customer deposits and funding Funding Analysis (as at 31 March) Total Customer Deposits Evolution 2020 Split of Deposits (%) USD billion By Sector By Type By Geography 5 yrs: 14% Qatar 55.3 194.0 Govt. & Time Govt. Agencies 28.2 79.4 Deposits 175.3 GCC 2.4 165.9 148.6 Europe 15.8 Sa
Slide 21: Solid liquidity profile
Solid liquidity profile Liquidity Analysis (as at 31 March) Loans to Deposits Ratio Evolution 2020 Sources of Liquidity % % of total liabilities 99.7 99.0 98.7 98.4 100.2 Due to 8.6 Banks Customer 80.7 Deposits Debt 4.5 Securities 2016 2017 2018 2019 2020 Other 2.8 Borrowings Liquid Assets1 Evolutio
Slide 22: Strong capital adequacy ratio maintained above both QCB and Basel III requirements
Strong capital adequacy ratio maintained above both QCB and Basel III requirements Capital Analysis (as at 31 March) Basel III Capital Adequacy Ratio % 18.4 17.4 16.0 (QCB) 13.1 13.0 (QCB) 11.0 (QCB) CET 1 Tier 1 Total CAR • Capital adequacy ratio is above QCB and Basel III requirements including th
Slide 23: Diversifying business mix will bolster sustainable growth
Diversifying business mix will bolster sustainable growth Business Mix Contribution (% share as at 31 March 2020) Lines of Business Net Profit1 Op. Income Loans Deposits 83 74 90 79 • Maintain dominant domestic Group market share Corporate • Grow international contribution • Nurture SME business in
Slide 24: IFRS 9 - Additional buffer for long term earnings stability
IFRS 9 - Additional buffer for long term earnings stability • QNB implemented IFRS 9 with effect from 1 January 2018 based on the QCB guidelines. Financial Impacts • As per QCB instructions, ECL impact has been treated as Tier 2 Capital for CAR purposes with no amortisation of the transition impact.
Slide 25: QNB Group Financials
QNB Group Financials Key data (as at 31 March 2020) QNB QNB incl. QNB ALAHLI QNB incl. QNB Finansbank % Contribution of QNB AA % Contribution of QNB Finansbank Financials Ratios Presence USD billion 102% 0.98 265 23.2% 100% 29,249 98% 0.86 236 219 19.6% 18.4% 0.75 195 194 175 174 164 161 15,522 8,71
Slide 26: Sustainability
Sustainability
Slide 27: QNB Group is committed to enhancing its ESG Practices
QNB Group is committed to enhancing its Environmental, Social and Governance (ESG) Practices Established Group Awarded MSCI ESG Rating “A” Published 1st GRI Strategy, Policy and Sustainability Report Governance Achieved 100% Joined United Nations ESG disclosure to Global Compact Qatar Stock Exchange
Slide 28: Sustainability for QNB is the delivery of long-term value
Sustainability for QNB is the delivery of long-term value in financial, environmental, social and ethical terms, for the benefit of our stakeholders QNB Group Sustainability Framework Stakeholder engagement Our sustainability framework consists of three pillars: Customers 24 million • Engagement thr
Slide 29: Introduction to QNB Green, Social and Sustainability Bond Framework
Introduction to QNB Green, Social and Sustainability Bond Framework Defining an ambitious Framework, in line with best practices and standards Rationale for issuing QNB Green, Social, Sustainability Bond Framework description QNB intends to: • Under this Framework, Green and Social and • Align its s
Slide 30: QNB Green and Social "Use of Proceeds"
QNB Green and Social “Use of Proceeds” Applying strict Eligibility Criteria when selecting green and/or social projects Green Bond Use of Proceeds Green Buildings Renewable Energy Clean Energy Efficiency Environmentally Sustainable water Pollution New and existing Wind, Solar, Hydro Transportation D
Slide 31: Economic Overview
Economic Overview
Slide 32: Qatar's hydrocarbon wealth makes it the world's richest country
Qatar’s hydrocarbon wealth makes it the world’s richest country Oil and gas reserves per capita (2018) GDP per capita (2018) k barrels of oil equivalent (boe) k USD PPP Qatar* 117.1 Qatar 130 Kuwait 24.4 Luxembourg 106 UAE 12.7 Singapore 101 Venezuela 11.8 Ireland 80 Saudi Arabia 9.9 Brunei 78 Libya
Slide 33: Qatar accumulated large reserves and is now diversifying the economy
Qatar accumulated large reserves during its hydrocarbon expansion and is now using these reserves to diversify the economy through major investments Real GDP Growth by Sector %, year-on-year Hydrocarbon Non-Hydrocarbon Hydrocarbon Phase 30 25 Diversification Phase 20 15 10 Qatar’s National Vision 20
Slide 34: Qatar's National Vision 2030 supported by large infrastructure investment programme
Qatar’s National Vision 2030 is supported by a large infrastructure investment programme Major Projects Pipeline as of December 2019 Budget Project End (USD Bn) Lusail Mixed-Use Comments 45.0 2025 Development truction • New investment sectors are opening up to Cons- Sharq Crossing 8.0 2022 support s
Slide 35: Qatar's fundamentals resilient despite the blockade
Qatar’s fundamentals resilient despite the blockade Qatar Trade (USD Bn) Financial Soundness Indicators (2016-2018, %) Exports Imports Capital Adequacy 2017 2018 2019 9 Tier 1 capital/risk-weighted assets 16.5 17 17.5 8 Regulatory capital/risk-weighted assets 16.8 18 18.5 7 Asset Quality 6 Non-perfo
Slide 36: Qatar is one of the highest rated sovereigns in the world
Qatar is one of the highest rated sovereigns in the world, ranking above a number of advanced economies Moody’s Sovereign Ratings1 AAA US, Germany, Canada, Australia, N Zealand, Switz’nd, Norway, Sweden, Denmark, Neth’lands, Lux’bourg, Singapore Aa1 Austria, Finland Aa2 UK, France, South Korea, Isle
Slide 37: Disclaimer
Disclaimer By attending the meeting where this presentation is made, or by reading the presentation slides, you agree to be bound by the following limitations: • These materials contain statements about future events and expectations that are forward-looking statements. • These statements typically