Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — Q3 2018 Earnings Presentation
24 slides from Pt Bank Permata Tbk Class A's earnings presentation, September 2018
Slide 1: PT Bank Permata Tbk Business and Financial Update
PT Bank Permata Tbk September 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 Performance Highlights.……………………………………………………………………....... 4-5 PermataBank in Brief.………………………………………………………………………...... 6 Vision and Mission.…………………………..………………………………………………..... 7-8 Key Financial Highlights……………………………………………..………………………..... 9 Financial Highlights IS, B/S & Key
Slide 4: Performance Highlights
Performance Highlights 1 Positive business growth with maintaining asset quality • Loan balances up by 15% yoy from IDR 92.8tn to IDR 107.0tn contributed by both Retail Banking (14%yoy) and Wholesale Banking (17%yoy). • Retail Banking loans grew by 14%yoy mainly driven from Joint Financing, Mortgage
Slide 5: Performance Highlights
Performance Highlights 4 Bank is well capitalized • Strong capital position as reflected in strengthened Common Equity Tier 1 (CET-1) ratio and Capital Adequacy Ratio (CAR) of 17.1% and 19.2% respectively, far higher than the minimum capital requirements. 5 Improved profitability align with positive
Slide 6: 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 7: 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 8: 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 9: Key Financial Highlights
Key Financial Highlights Sep 2017 Sep 2018 ∆ Loans (Rp Tn) 92.8 107.0 15% Gross NPL Ratio 4.7% 4.8% 0.1% Net NPL Ratio 1.8% 1.7% -0.1% NPL Coverage Ratio 175% 189% 14% CASA Ratio 50% 47% -3% [CASA (Rp Tn)] 56.4 55.0 -2% LDR 83% 91% 8% NIM 3.9% 4.0% 0.1% BOPO 93% 96% 3% Profit Before Tax (Rp Tn) 908
Slide 10: Financial Highlights - Balance Sheet
Financial Highlights - Balance Sheet (in IDR tn) Sep-18 Sep-17 YoY Dec-17 YTD Cash 1.6 1.8 -9% 1.9 -15% Placement with Bank Indonesia 21.2 16.8 26% 13.1 62% Placement with other Banks 4.2 3.2 32% 5.0 -16% Marketable Securities * 16.9 26.8 -37% 22.5 -25% Loans (gross) 107.0 92.8 15% 97.6 10% a. By se
Slide 11: Financial Highlights - Income Statement
Financial Highlights - Income Statement (in IDR bn) Sep-18 Sep-17 YoY Q3-18 Q2-18 QOQ Net Interest Income 4,170 4,059 3% 1,416 1,387 2% Non Interest Income 1,170 2,183 -46% 376 330 14% Revenue 5,340 6,242 -14% 1,792 1,718 4% Operating Expense 3,484 3,502 -1% 1,133 1,174 -3% Pre Provision Operating P
Slide 12: Financial Highlights - Key Ratios
Financial Highlights - Key Ratios (in %) Sep-17 Dec-17 Sep-18 CET-1 ratio 15.6 15.2 17.1 Total CAR 18.8 18.1 19.2 LDR 83 88 91 CASA ratio * 50 52 47 ROA 0.8 0.6 0.6 ROE 6.2 4.8 3.7 BOPO 93 95 96 CIR 56 55 65 NIM 3.9 4.0 4.0 NPL Gross 4.7 4.6 4.8 NPL Net 1.8 1.7 1.7 NPL Coverage ratio 175 191 189 Reg
Slide 13: Loan
Loan By Currencies* 17% 17% 17% Loans Growth (IDR tn) YOY 11% YOY 26% 131.9 83% 83% 83% 127.8 YOY 15% 118.8 YOY 36% 105.0 107.0 Sep-17 Dec-17 Sep-18 97.6 94.4 92.8 IDR Non IDR CAGR 24% 69.3 YTD 10% Conventional vs Sharia* Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Dec-16 Sep-17 Dec-17 Sep-18 13% 14% 15% 87%
Slide 14: Loan Quality & Coverage
Loan Quality & Coverage Loan by Collectability (% to total Loan) NPL and Coverage 4.3 tn 4.5tn 5.1 tn 254% 20.0% 240% 220% 224% 18.0% 4.7% 4.6% 4.8% 11.2% 210% 191% 189% 16.0% 12.6% 12.5% 175% 180% 14.0% 150% 12.0% 10.0% 82.7% 82.9% 84.1% 120% 8.0% 90% 6.0% 60% 4.7% 4.6% 4.8% 4.0% Sep-17 Dec-17 Sep-
Slide 15: Stable NIM at 4%
Stable NIM at 4% 12.0% 10.1% 10.0% 9.4% 8.2% 8.2% 8.0% 7.9% 7.9% 8.0% 6.0% 5.6% 6.0% 4.6% 4.5% 4.0% 4.2% 4.2% 4.3% 4.0% 3.9% 3.9% 4.0% 3.9% 4.0% 4.0% 2.0% 0.0% Dec 15 Mar 16 Jun 16 Sep 16 Dec16 Mar 17 Jun 17 Sep 17 Dec-17 Mar 18 Jun-18 Sep-18 Yield of Interest Earning Assets Cost of Interest Bearing
Slide 16: Deposits
Deposits IDR tn ** YoY Growth Deposits CAGR 13-17 Dec-14 Dec-15 Dec-16 Dec-17 Sep-18 Dec-14 Dec-15 Dec-16 Dec-17 Sep-18 Current Account 26.7 29.6 31.3 30.0 27.6 5% 11% 6% -4% -4% 4% Saving Account 24.3 25.5 29.4 27.8 27.4 13% 5% 15% -5% -1% 7% Total CASA 51.0 55.1 60.8 57.8 55.0 9% 8% 10% -5% -2% 5%
Slide 17: Capital – strong capital base to grow
Capital – strong capital base to grow Capital ratios (%) • Strong capital position as reflected in 19.6 19.2 strengthened Common Equity Tier 1 (CET-1) 18.8 18.1 17.7 ratio and Capital Adequacy Ratio (CAR) of 17.3 17.1 17.1% and 19.2% respectively, far higher than 15.6 15.2 15.1 the minimum capital r
Slide 18: Business Updates – Retail Banking
Business Updates – Retail Banking Loans by Segment (Consolidated, Rp Bn) Initiatives & Priorities +14% YoY The business is driven towards higher degree of digitalization to adapt with Growth changing customers environment as well as to streamline the process 61,471 57,529 1 53,944 • Grow Retail Cust
Slide 19: Business Updates – Wholesale Banking
Business Updates – Wholesale Banking Loans (Consolidated, Rp Bn) Business Performance +17% • 17% growth on asset with good credit quality is driven from both new acquisition and existing names with SOE segment as the highest contributors • Credit risk customers profile shifting towards better qualit
Slide 20: Business Updates – Sharia Banking
Business Updates – Sharia Banking Loans (Rp Bn) Sharia Business Performance YTD Sept ‘18 +29% • PBT as of YTD Sep 18 was Rp 296bn, grew 38% yoy • Total Financing was Rp15.6Tn, grew 29% yoy from both retail and wholesale segments • Total Deposit was Rp 15.49 Tn grew 12% YoY • CASA Ratio 60%, higher t
Slide 21: Shares & Rating
Shares & Rating Share Price & Trading Volume Rating Agencies Rating/Outlook In IDR Thousands Corporate Rating id AAA / Stable 1,000 Merger 160,000 Merger Issues Issues Pefindo Senior Bond Rating id AAA 900 140,000 (Sep 2018) Pre Basel-III Sub Debt Rating id AA+ 120,000 800 Basel-III Compliant Subord
Slide 22: Penghargaan 2018
Penghargaan 2018 2018 Contact Center Service Excellence Award Penghargaan dengan predikat Exceptional untuk kategori Regular Banking, Priority Banking, Regular Credit Card, Platinum Credit Card, Sharia Banking 2018 Banking Service Excellence Award – MRI / Infobank - Digital Banking Services Terbaik
Slide 23: Digital Initiatives – PermataMobile X
Digital Initiatives – PermataMobile X
Slide 24: 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