Pt Bank Qnb Indonesia Tbk · IDX:BKSW
Pt Bank Qnb Indonesia Tbk — QNB Group — Investor Presentation (March 2021)
38 slides from Pt Bank Qnb Indonesia Tbk's investor presentation, March 2021
Slide 1: Investor Relations Presentation
Investor Relations Presentation March 2021
Slide 2: Contents
Contents 1. QNB at a Glance 2. QNB Comparative Positioning – Qatar and MEA 3. Financial Highlights – as at 31 March 2021 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 6.1 Bn1 About 27,000 empl
Slide 5: QNB's International Footprint
QNB's International Footprint Sub-Saharan Africa Middle East South Sudan: (1 Branch) Qatar: (53 Branches) Togo: (690 Branches3, 20.1% stake in KSA: (1 Branch) Ecobank) UAE: (8 (+11) Branches, 40.0% stake Asia in CBI) Indonesia: (17 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 2021
Top 5 Domestic Banks – March 2021 QNB continues to excel in the domestic market Assets Loans 286.4 198.0 49.5 44.8 34.4 27.3 34.5 30.8 25.1 19.4 Deposits Net Profit 205.9 0.91 0.21 0.17 34.6 0.16 22.5 21.3 17.5 0.10 Note: All amounts are in USD billions Source: Banks’ March 2021 Press Release or Fin
Slide 8: Top MEA Banks – March 2021
Top 5 MEA Banks – March 2021 QNB maintained its position as the leading bank in the region across all categories Assets Loans 286.4 198.0 256.1 189.2 172.5 121.2 159.9 102.9 95.1 95.0 Deposits Net Profit 205.9 0.91 0.91 0.89 154.7 0.67 0.63 125.0 112.3 111.8 Note: All amounts are in USD billions Sou
Slide 9: QNB is the leading financial institution in the MEA region with regards to brand value
QNB is the leading financial institution in the MEA region with regards to brand value Brand value (USD Bn as at 31-Dec-20) Top MEA banking brands Key highlights • QNB retains the most valuable Banking Brand in Middle East and Africa region 6.10 • 2021 Brand Value for Group increased to USD 6.107 bi
Slide 10: Financial Highlights – as at March 2021
Financial Highlights – as at 31 March 2021
Slide 11: QNB demonstrate sustainable growth
QNB demonstrate sustainable growth Financial Highlights (as at 31 March 2021) Growth vs. March 2020 • Net interest margin (NIM)2: 2.48% Profit1 • USD0.91 billion -7% • Cost to income ratio: 23.4% • Earnings per share: USD 0.09 • USD286.4 billion assets +8% • NPL (% of gross loans): 2.2% Assets • Cov
Slide 12: QNB ALAHLI
QNB ALAHLI Highlights (as at 31 March 2021) Growth vs. March 2020 • USD108.5 million -9% • Net interest margin (NIM)2: 5.37% Profit1 (EGP1.7 billion) (-10%) • Cost to income ratio: 28.2% • USD19.5 billion assets +7% (EGP306.7 billion) (+7%) • NPL (% of gross loans): 2.7% Assets • USD10.8 billion loa
Slide 13: QNB FINANSBANK
QNB FINANSBANK Highlights (as at 31 March 2021) Growth vs. March 2020 • Net interest margin (NIM)2: 3.03% • USD88.4 million -27% Profit1 • Cost to income ratio: 40.9% (TRY0.7 billion) (-12%) • USD31.8 billion assets -4% (TRY265.0 billion) (+22%) • NPL (% of gross loans): 4.5% Assets • USD19.6 billio
Slide 14: Solid domestic presence with geographical diversification contributes to growth
Solid domestic presence with geographical diversification 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 0.98 194.5 198.0 205.9 0.91 194.0
Slide 15: Consistent Profitability and Cost Discipline
Consistent Profitability and Cost Discipline 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: 3% 5 yrs: 10% 5 yrs: 10% 0.98 0.98 1.84 1.83 0.94 0.91 1.71 1.48 1.48 0.88 1.67 1.49 1.28 1.32 1
Slide 16: Asset growth driven by lending activities mainly in QAR and USD
Asset growth driven by lending activities mainly in QAR and USD Assets Analysis (as at 31 March) Total Assets Evolution 2021 Split of Assets (%) USD billion By Type By Currency 5 yrs: 14% 286.4 Cash and Balances with 7.7 QAR 25.0 264.9 242.3 Central Banks 228.6 USD 44.3 Due from 204.1 8.1 Banks TRY
Slide 17: Good loan growth
Good loan growth Loans Analysis (as at 31 March) Total Loans Evolution 2021 Split of Loans (%) USD billion By Geography By Sector1 5 yrs: 12% 194.5 198.0 Qatar 75.7 Govt. & Govt. 36.5 Agencies 172.5 163.8 Turkey 9.7 Services/ 38.6 147.2 Commerce Egypt 5.4 Industry 5.6 Europe 3.1 Real Estate & 10.1 C
Slide 18: High quality lending portfolio is underpinned by low NPL ratios
High quality lending portfolio is underpinned 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 3,527 4,345 4,498 economic situation as a result 2,378 2,53
Slide 19: High quality investment portfolio with 71% of securities rated AA or Sovereign
High quality investment portfolio with 71% of securities rated AA or Sovereign Investments Analysis (USD million as at 31 March 2021) Fair Value Through Other Comprehensive Income Amortised Cost Quoted Fixed rate Unquoted Floating rate State of Qatar 6,042 State of Qatar 3,817 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 2021 Split of Deposits (%) USD billion By Sector By Type By Geography 5 yrs: 13% Qatar 54.6 205.9 Govt. & Time 194.0 Govt. Agencies 23.5 76.7 Deposits GCC 2.4 175.3 165.9 148.6 Europe 1
Slide 21: Solid liquidity profile
Solid liquidity profile Liquidity Analysis (as at 31 March) Loans to Deposits Ratio Evolution 2021 Sources of Liquidity % % of total liabilities 99.0 98.7 98.4 100.2 96.1 Due to 10.2 Banks Customer 79.0 Deposits Debt 4.8 Securities 2017 2018 2019 2020 2021 Other 2.9 Borrowings Liquid Assets1 Evoluti
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 % 19.0 17.9 16.0 (QCB) 13.8 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 2021) Lines of Business Net Profit1 Op. Income Loans Deposits 82 77 92 80 • 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 2021) QNB QNB incl. QNB ALAHLI QNB incl. QNB Finansbank % Contribution of QNB AA % Contribution of QNB Finansbank Financials Ratios Presence USD billion 113.1% 0.91 286 111.4% 110.5% 27,835 0.86 259 0.76 241 198 206 179 187 168 172 15,196 8,500 2.20% 1.9
Slide 26: Sustainability
Sustainability
Slide 27: QNB Group is committed to enhancing its Environmental, Social and Governance (ESG) Practices
QNB Group is committed to enhancing its Environmental, Social and Governance (ESG) Practices Established QNB Group Sustainability Strategy, Policy and Governance External Commitments Reporting & Disclosures Green, Social and Qatar National Vision 2030 Annual GRI Sustainability Bond (GSSB) Sustainabi
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 • Engagement through custom
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 Clean Energy Sustainable Sustainable Pollution New and existing Energy Transportation Efficiency management of water and Preven
Slide 31: Economic Overview
Economic Overview
Slide 32: Qatar’s hydrocarbon wealth makes it one of the world’s richest countries
Qatar’s hydrocarbon wealth makes it one of the world’s richest countries Oil and gas reserves per capita (2019) GDP per capita (2020) k barrels of oil equivalent (boe) k USD PPP Qatar* 138.9 Luxembourg 113 Kuwait 23.5 Singapore 96 Venezuela 12.3 Qatar 92 UAE 12.3 Ireland 89 Saudi Arabia 9.8 Switzerl
Slide 33: Qatar accumulated large reserves during its hydrocarbon expansion
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 30 Hydrocarbon Phase 25 20 Diversification Phase 15 10 Qatar’s National Vision 20
Slide 34: Qatar’s fundamentals resilient
Qatar’s fundamentals resilient Qatar Trade (USD Bn) Financial Soundness Indicators (2017-2019, %) 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-performing loans/total loa
Slide 35: Qatar’s National Vision 2030 is supported by a large infrastructure investment programme
Qatar’s National Vision 2030 is supported by a large infrastructure investment programme Major Projects Pipeline as of April 2021 Project End Lusail Mixed-Use Development 2025 Comments • New investment sectors are opening up to Qatar Economic Zones 2025 truction support self sufficiency and long-ter
Slide 36: Qatar is set to significantly increase its LNG production
Qatar is set to significantly increase its LNG production, boosting domestic growth while maintaining its position as the world’s largest exporter Qatar’s current and expected share of global LNG market Global LNG demand Qatar LNG production Million metric tons per annum • Globally Qatar is the larg
Slide 37: 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 France, South Korea, Faroe Is
Slide 38: 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