Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — H1 2023 Earnings Presentation
37 slides from Pt Bank Permata Tbk Class A's earnings presentation, 2023
Slide 1: First Half 2023 Financial Results Analyst Presentation
PT BANK PERMATA TBK FIRST HALF 2023 Financial Results Analyst Presentation
Slide 2: Disclaimer
Disclaimer This report has been prepared by PT Bank Permata Tbk independently and is circulated for the purpose of general information only. It is not intended to the specific person who may receive this report. The information in this report has been obtained from sources which we deem reliable. No
Slide 3: PermataBank At a Glance
PermataBank At a Glance Model Branch Mural in Medan (Zainul Arifin) An illustration depicting one of Indonesia’s cultural treasure originating from North Sumatera. Tor-Tor dance with the background of Rumah Bolon, the traditional house of the Batak Tribe.
Slide 4: PermataBank at a Glance
PermataBank at a Glance YEAR ESTABLISHED BUSINESS SEGMENT 1955 TOTAL STAFF RETAIL BANKING > 8,000 WHOLESALE BANKING SHARIA BUSINESS UNIT LISTED AT IDX SHAREHOLDERS TOTAL SINCE 1990 CUSTOMER BANGKOK BANK > 6 Million STOCK CODE 98.7% BNLI PUBLIC 1.3% TOTAL ASSET CORPORATE RATING Rp251 Trillion MARKET
Slide 5: National Banking Coverage
JANGKAUAN Top 10 Best LAYANAN Banks in PERBANKAN NASIONAL Indonesia with National Banking Coverage Present in 61 cities in Indonesia with 243 network offices (including Sharia, Regional and Functional Office), supported by LANTAP (one stop service), 835 ATMs, and more than 20,000+ Indomaret Channels
Slide 6: Board Of Commissioners
Board Of Commissioners Chartsiri Sophonpanich Chong Toh Chalit Tayjasanant Niramarn Laisathit President Commissioner Commissioner Commissioner Commissioner Haryanto Sahari Goei Siauw Hong Yap Tjay Soen Independent Independent Independent Commissioner Commissioner Commissioner 6
Slide 7: Board Of Director
Board Of Director Meliza M. Rusli Dhien Tjahajani Abdy Dharma Salimin Djumariah Tenteram President Director Legal & Compliance Technology & Operation Retail Banking Director Alt. Finance Director Director Director Darwin Wibowo* Herwin Bustaman Dayan sadikin Setiatno Budiman Wholesale Banking Sharia
Slide 8: Vision, Mission, Strategic Priority and Enabler
Vision, Mission, Strategic Priority and Enabler VISSION To be the Bank of Choice, nurturing relationship and creating value for our stakeholders. MISSION Serving as an efficient financial institution Offering universal financial Providing excellent stakeholders and agent of development for our custo
Slide 9: Journey with Strategic Shareholder – Bangkok Bank
Journey with Strategic Shareholder – Bangkok Bank May October December July 2022 - Next 2020 2020 2020 2021 Bangkok Bank PLC Bangkok Bank The Bangkok Bank Bangkok Bank fully Synergize and completes the completed the Indonesia branch is participates in the collaborate to build acquisition of Mandator
Slide 10: Synergy of PermataBank and Bangkok Bank
Synergy of PermataBank and Bangkok Bank Center of Excellence Competency Synergy BBL International Network Transaction Banking Corporate, SME and Retail and Branch Service PermataBank ▪ Strategy Transaction Banking Synergy by sharing experiences and ▪ Support Indonesian customers in Sharing capabilit
Slide 11: Bank Permata Awards
Bank Permata Awards The Best HR Management for The Outstanding Support in Enhance the 12th Infobank Digital Brand Recognition 2023 Employee Experience No. Category Product No. Category Product - Indonesia HR Awards 2023 The Best, Mobile Banking Bank Umum (Warta Ekonomi) 1. “The Highest Digital Index
Slide 12: Bank Permata Awards
Bank Permata Awards 2023 Asia-Pacific Stevie Awards Gold Category Silver Category Bronze Category Award for Innovation in Corporate Award for Innovation in Content • Award for Innovation in the Use of Social Media: 17836 - Websites: 17,843 - PermataStore Marketing / Branded Editorial: 17,815 - KOL A
Slide 13: Corporate Social Responsibility
Corporate Social Responsibility Since 2011 and Continue Contributing to Community 76 580 +7K Student Scholarships +81K Total Beneficiaries Strategic Partners Schools & Communities 2,200 Students 850 Students 4,900 Beneficiaries +44K Students with disabilities 13
Slide 14: First Half 2023 Financial Results
First Half 2023 Financial Results
Slide 15: Macroeconomic Updates
Macroeconomic Kondisi MakroUpdates Ekonomi Indonesia BI benchmark rate is maintained at 5.75% since the beginning of 2023 Domestic economic continues to move positively with the easing inflationary pressures 5.95% 5.51% 4.97% 5.75% ------ BI cap target 4.35% 4.0% 4.00% 5.75% 5.75% 3.52% 2.64% 7 Days
Slide 16: Key Financial Highlights June 2023
Key Financial Highlights June 2023 LOAN GROSS (Rp trillion) DEPOSITS (Rp trillion) ASSET (Rp trillion) CAR (%) ↑ 2.0% YOY ↑ 8.0% YOY ↑ 9.4% YOY ↑ 6.0% YOY 58.7% 56.4% 137.4 39.0% 185.5 251.4 229.8 33.0% 134.7 171.7 Jun-22 Jun-23 Jun-22 Jun-23 Jun-22 Jun-23 Jun-22 Jun-23 GROSS NPL (%) LDR (%) NIM (%)
Slide 17: Strong Revenue and Sustainable Profit
Strong Revenue and Sustainable Profit Profit After Tax Total Revenue (Rp trillion) (Rp trillion) 1.6% YOY 15.2% YOY 1.4 1.4 18.0% 17.6% 6.0 Total Revenue 5.2 1.1 Jun-22 Jun-23 Non-Interest 0.9 Income ↑ 17.9% YOY Pre-Provision Operating Profit (PPOP) (Rp trillion) 25.5% YOY 4.9 Net Interest 4.3 Incom
Slide 18: More Efficient Business Process
More Efficient Business Process Net Interest Margin BOPO 5.6% YOY 50 bps YOY 82.4% 78.1% 79.8% 74.2% 73.4% 4.6% 4.5% 4.3% Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 4.2% 4.0% Cost to Income Ratio Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 4.3% YOY 54.2% 55.1% 53.1% 50.2% 49.9% Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sou
Slide 19: Positive Loan Growth with Diversified Portfolio
Positive Loan Growth with Diversified Portfolio Total Loan WB Loan Composition (Rp trillion) (as of 30 June 2023) 2% YOY Commercial 134.7 137.4 Total Loan 16% 0.8 0.8 Wholesale 86.8 88.4 Banking (WB) ↑ 1.9% YOY Corporate 84% 47.1 48.2 Retail Banking (RB) ↑ 2.3% YOY RB Loan Composition (as of 30 June
Slide 20: Better Loan Quality with Prudent Provision
Better Loan Quality with Prudent Provision Gross and Net NPL NPL Coverage Ratio (%) 16 bps YOY Well Maintained Above >200% 272.3% 230.1% Net NPL 0.5% 0.3% 1.8% Gross NPL 3.1% 0.9% 2.9% Cost of Credit Jun-22 Jun-23 Jun-22 Jun-23 Source : Published report, ratio (%) are calculated using Bank Only Stat
Slide 21: COVID-19 Restructured Loan Continue Declining
COVID-19 Restructured Loan Continue Declining Restructured Loan due to Covid-19 Loan Restructured Covid-19 (Rp trillion) by Segment 35.5% YOY SME 8.7 8% Wholesale 5.6 Banking Total (WB) 24% 6.5% Loan Restructured due to COVID-19 4.1% Retail As of 30 June 2023: (RB) Rp5.6 trillion 68% Jun-22 Jun-23 %
Slide 22: Improved Deposit with Strong CASA
Improved Deposit with Strong CASA Deposit by Business Total Deposit (as of 30 June 2023) (Rp trillion) 8.0% YOY Wholesale 26.1 Sharia Deposit Banking 23.7 34% ↑ 10.1% YOY Retail Banking Total Deposit 66% 185.5 171.7 80.9 Time Deposit 70.8 ↑ 14.1% YOY CASA Ratio 2.3% YOY CASA 59.3% 100.9 104.6 58.7%
Slide 23: Maintain Strong Capital, Above Industry Average
Maintain Strong Capital, Above Industry Average Total Capital Capital Adequacy Ratio (CAR) (Rp Trillion) 6.0% YOY 2.9% YOY 41.4% 39.0% 46.4 47.8 33.0% 33.2% 34.2% CAR Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Jun-22 Jun-23 CET-1 RATIO 4.7% YOY Cash Dividend for Financial Year 2022 31.6% 29.7% On 6 April 20
Slide 24: Business Updates
Business Updates Model Branch Mural in Semarang (Bangkong)
Slide 25: Wholesale Banking Business Initiatives
Wholesale Banking Business Initiatives ACTIVELY PARTICIPATE IN SYNDICATION ACTIVELY PARTICIPATE IN ENVIRONMENT- FINANCING FRIENDLY & SUSTAINABLE DEVELOPMENT Actively participates in syndicated financing and acts as a PermataBank participated in providing financing for SGMW facility and security agen
Slide 26: Digital Banking Service for SME and Corporate
Wholesale Banking Digital Banking Service for SME and Corporate 26
Slide 27: Retail Banking Business Initiatives
Retail Banking Business Initiatives MORTGAGE CREDIT CARD DEPOSIT Focus on the primary market, strengthen • Various bundling programs & innovative Building mass affluent segment partnerships with key developers. products which also offering Sharia’s • Credit card online application deposit products •
Slide 28: Retail Banking Business Initiatives
Retail Banking Business Initiatives COLLABORATION WITH BUSINESS PARTNERS DIGITAL SOLUTION IN BANKING SERVICES CASH MANAGEMENT Merchant & QRIS PermataMobile X Continuous innovation of PMobX Offering advance payment to be competitive in the market: system via QR and API ▪ PermataMobile X Next Gen capa
Slide 29: Retail Banking Digital Business Capabilities
Retail Banking Digital Business Capabilities PERMATANET PERMATA ATM PERMATA MOBILE X MOBILE BANKING DIGITAL MODEL BRANCH PERMATABANK.COM RELATIONSHIP MANAGER PERMATA QRPAY PERMATA EDC PERMATA TEL 29
Slide 30: Sharia Banking Business Initiatives
Sharia Banking Business Initiatives Seamless Digital Account Opening Continuous External Recognitions Permata RDN Sharia LAUNCHING PermataBank Syariah received various Digital Brand awards • “The Highest Digital Index” TABUNGAN UNIT USAHA SYARIAH - BANK UMUM KONVENSIONAL • “The Highest Digital Index
Slide 31: Sharia Banking Digital Business Capabilities
Sharia Banking Digital Business Capabilities PERMATA ATM PERMATANET DIGITAL MODEL BRANCH PERMATA MOBILE X PERMATABANK.COM API BANKING PERMATA QRPAY PERMATA e-BUSINESS PERMATA EDC PERMATA TEL 17 31
Slide 32: Appendices
Appendices
Slide 33: BNLI Stock Information
HARGA SAHAM BNLI Stock BNLI Information 3,500 25,000 3,000 2,675 20,000 2,500 1,840 1,745 15,000 2,000 1,795 1,810 1,750 1,660 1,975 1,760 1,180 1,770 1,415 1,220 1,205 1,140 1,500 1,785 1,335 1,285 1,230 10,000 1,400 1,170 1,190 1,150 1,195 1,050 1,030 1,040 950 990 1,220 1,180 1,185 920 940 1,000
Slide 34: Balance Sheet
Balance Sheet (in Rp trillion) Jun-23 Jun-22 YoY (%) Cash 1.5 1.7 (9) Placement with Bank Indonesia 29.4 32.6 (10) Placement with Other Banks 6.5 6.6 (2) Marketable Securities 70.7 47.9 48 Loans (gross) 137.4 134.7 2 Allowance for Loan Impairment Losses (10.7) (9.5) 12 Other Assets 16.6 15.9 5 Total
Slide 35: Income Statement
Income Statement (in Rp billion) Jun-23 Jun-22 YoY (%) Net Interest Income 4,928 4,299 15 Non-Interest Income 1,083 918 18 Revenue 6,011 5,218 15 Operating Expense (2,968) (2,794) 6 Pre-Provision Operating Profit 3,043 2,424 26 Provision for losses (1,233) (588) 110 Operating Profit 1,810 1,836 (1)
Slide 36: Financial Ratios
Financial Ratios Financial Ratios (in %) Jun-23 Jun-22 YoY ( ) CET-1 ratio 29.7 25.0 5 Total CAR 39.0 33.0 6 Loan to Deposit Ratio (LDR) 73.3 77.7 (4) CASA Ratio 56.4 58.7 (2) ROA 1.5 1.5 (0) ROE 6.1 6.4 (0) BOPO 79.8 74.2 6 CIR 49.9 54.2 (4) NIM 4.5 4.0 1 NPL Gross 2.9 3.1 (0) NPL Net 0.3 0.5 (0) N
Slide 37: PT Bank Permata Tbk Investor Relations
PT BANK PERMATA TBK INVESTOR RELATIONS DEPARTMENT World Trade Center II Jalan Jend. Sudirman Kav. 29-31 Jakarta 12920 - Indonesia Website: www.permatabank.com/id/tentang-kami/hubungan-investor Email: investor.relations@permatabank.co.id