Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — Q1 2023 Earnings Presentation
36 slides from Pt Bank Permata Tbk Class A's earnings presentation, 2023
Slide 1: First Quarter 2023 Financial Results Analyst Presentation
PT BANK PERMATA TBK FIRST QUARTER 2023 Financial Results Analyst 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: About PermataBank
About PermataBank 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: About PermataBank
About PermataBank 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 Rp253 Trillion. MARKET PEFIN
Slide 5: National Banking Coverage
JANGKAUAN Top 10 Best LAYANAN Banks in PERBANKAN NASIONAL Indonesia with National Banking Coverage PRESENT IN 62 CITIES IN INDONESIA WITH 250 NETWORK OFFICES (including 23 SHARIA OFFICES, 2 REGIONAL OFFICES AND 4 FUNCTIONAL OFFICES), 29 SHARIA PAYMENT POINTS (LANTAP/ONE STOP SERVICE) AND SUPPORTED B
Slide 6: Board Of Commissioners
Board Of Commissioners Chartsiri Sophonpanich Chong Toh Chalit Tayjasanant Niramarn Laisathit President Commissioner Commissioner Commissioner Commissioner Haryanto Sahari (The Late) Goei Siauw Hong Yap Tjay Soen Independent Rahmat Waluyanto * Independent Independent Commissioner Independent Commiss
Slide 7: Board Of Director
Board Of Director Meliza M. Rusli Dhien Tjahajani Lea Kusumawijaya*) Abdy Dharma Salimin President Director Legal & Compliance Finance Director Technology & Operation Director Director Djumariah Tenteram Darwin Wibowo Herwin Bustaman Dayan sadikin Setiatno Budiman Retail Banking Director Wholesale B
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: Corporate Social Responsibility
Corporate Social Responsibility Since 2011 and Continue Contributing to Community 76 570 +7K Student Scholarships +80K Total Beneficiaries Strategic Partners Schools & Communities 2,200 Students 850 Students 4,900 Beneficiaries +44K Students with disabilities 12
Slide 13: First Quarter 2023 Financial Results
FIRST QUARTER 2023 FINANCIAL RESULTS
Slide 14: Macroeconomic Updates
Macroeconomic Kondisi MakroUpdates Ekonomi Indonesia BI benchmark rate is maintained at 5.75% since the beginning of 2023 Inflation rate is well controlled in Q1-23 due to the stability of food and energy prices approaching Lebaran 5.95% 5.51% 5.47% 5.75% 5.75% 4.97% ------ BI cap target 4.35% 4.0%
Slide 15: Key Financial Highlights March 2023
Key Financial Highlights March 2023 LOAN GROSS (IDR Tn) DEPOSITS (IDR Tn) ASSET (IDR Tn) CAR (%) ↑ 50 bps YOY ↑ 3.6% YOY ↑ 4.9% YOY ↑ 8.3% YOY 56.4% 57.1% CASA ratio 130.1 190.4 252.7 41.4% 33.1% 129.5 183.9 240.9 Mar-22 Mar-23 Mar-22 Mar-23 Mar'22 Mar'23 Mar-22 Mar-23 GROSS NPL (%) LDR (%) NIM (%)
Slide 16: Strong Revenue and Sustainable Profit
Strong Revenue and Sustainable Profit Profit After Tax Total Revenue (IDR Billion) (IDR Trillion) 74 bps YOY 5.3% YOY 750.4 755.9 Fee Income 28.3% Ratio 17.9% 3.1 Total Revenue 2.9 Mar-22 Mar-23 0.5 Non-Interest 0.8 Income ↓ 33.4% YOY Pre-Provision Operating Profit (PPOP) (IDR Trillion) 3.3% YOY 2.5
Slide 17: More Efficient Business Process
More Efficient Business Process Net Interest Margin BOPO 5.6% YOY 80 bps YOY 82.4% 78.1% 72.5% 74.2% 73.4% 4.6% 4.2% 4.3% Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 4.0% 3.8% Cost to Income Ratio Mar-22 Jun-22 Sep-22 Dec-22 Mar'23 4.2% YOY 55.1% 54.4% 54.2% 53.1% 50.2% Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Sou
Slide 18: Positive Loan Growth with Diversified Portfolio
Positive Loan Growth with Diversified Portfolio Total Loan WB Loan Composition (IDR Trillion) (as of 31 March 2023) 50 bps YOY Commercial 17% 129.5 130.0 Total Loan 0.8 0.8 Wholesale 82.6 81.6 Banking (WB) ↓ 1.2% YOY Corporate 83% 46.1 47.6 Retail Banking (RB) ↑ 3.3% YOY RB Loan Composition Mar-22 M
Slide 19: Better Loan Quality with Sufficient Provision
Better Loan Quality with Sufficient Provision Net NPL NPL Coverage Ratio (%) 20 bps YOY Well Maintained Above >200% 255.9% 0.6% 226.1% Net NPL 0.4% 2.7% Gross NPL 3.2% 3.2% 1.7% Cost of Credit Mar-22 Mar-23 Mar-22 Mar-23 Source : Published report, ratio (%) are calculated using Bank Only Statements
Slide 20: Covid-19 Restructured Loan Continue Declining
Covid-19 Restructured Loan Continue Declining Restructured Loan due to Covid-19 Loan Restructured Covid-19 (IDR Trillion) by Segment 33.8% YOY SME 9.2 9% Wholesale 6.1 Banking Total (WB) 7.1% 25% Loan Restructure due to COVID-19 4.7% As of 31 March 2023: Retail (RB) Rp6.1 Trillion 66% Mar-22 Mar-23
Slide 21: Strong CASA
Strong CASA Deposit by Business Total Deposit (as of 31 March 2023) (IDR Trillion) 3.6% YOY Wholesale 25.6 Sharia Deposit Banking Retail 23.2 ↑ 6.6% YOY 38% Banking 62% 190.4 Total Deposit 183.9 80.1 81.8 Time Deposit ↑ 2.1% YOY CASA Ratio 0.6% YOY 108.6 CASA 59.3% 103.7 58.7% ↑ 4.7% YOY 58.0% 57.1%
Slide 22: Maintain Strong Capital, Above Industry Average
Maintain Strong Capital, Above Industry Average Total Capital Capital Adequacy Ratio (CAR) (IDR Trillion) 8.3% YOY 3.0% YOY 41.4% 47.4 33.1% 33.0% 33.2% 34.2% CAR 46.1 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Mar-22 Mar-23 CET-1 RATIO 6.2% YOY Cash Dividend for Financial Year 2022 31.6% On 6 April 2023, P
Slide 23: Business Updates
BUSINESS UPDATES Model Branch Mural in Semarang (Bangkong)
Slide 24: 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 25: Digital Banking Service for SME and Corporate
Wholesale Banking Digital Banking Service for SME and Corporate 25
Slide 26: 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 27: 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 28: 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 28
Slide 29: Sharia Business Initiatives
SHARIA 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” KPR UN
Slide 30: Sharia Digital Banking Capabilities
SHARIA DIGITAL BANKING CAPABILITIES PERMATA ATM PERMATANET DIGITAL MODEL BRANCH PERMATA MOBILE X PERMATABANK.COM API BANKING PERMATA QRPAY PERMATA e-BUSINESS PERMATA EDC PERMATA TEL 17 51
Slide 31: Appendices
—S=—_— APPENDICES.
Slide 32: BNLI Stock Information
HARGA SAHAM BNLI Stock BNLI Information Share Price Trading vol (IDR) 3500 25,000 (Thou. unit) 3000 20,000 2517 2500 2120 22202000 2020 15,000 1975 2000 1825 1950 1735 1,705 2110 1935 1,600 1,730 1500 1,410 1,385 1,205 1,300 1,195 1,2501,250 1,215 10,000 1,1801,190 1,205 1,185 7,842 1,400 1,410 1,09
Slide 33: Balance Sheet
Balance Sheet (in IDR Tn.) Mar-23 Mar-22 YoY (%) Cash 2.1 1.7 27 Placement with Bank Indonesia 45.2 38.6 17 Placement with Other Banks 6.2 7.2 -15 Marketable Securities 64.4 57.9 11 Loans (gross) 130.1 129.5 1 Allowance for Loan Impairment Losses (10.5) (9.2) 14 Other Assets 15.2 15.2 0 Total Assets
Slide 34: Income Statement
Income Statement (in IDR bn) Mar-23 Mar-22 YoY (%) Net Interest Income 2,510 2,080 21 Non-Interest Income 548 823 -33 Revenue 3,058 2,903 5 Operating Expense (1,504) (1,398) 8 Pre-Provision Operating Profit 1,554 1,505 3 Provision for losses (571) (539) 6 Operating Profit 983 966 2 Non-Operating Inc
Slide 35: Financial Ratios
Financial Ratios Financial Ratios (in %) Mar-23 Mar-22 YoY ( ) CET-1 ratio 31.6 25.4 6.2 Total CAR 41.4 33.1 8.3 Loan to Deposit Ratio (LDR) 67.6 69.9 -2.3 CASA Ratio 57.1 56.4 0.7 ROA 1.6 1.6 0.0 ROE 6.6 6.7 -0.1 BOPO 78.1 72.5 5.6 CIR 50.2 54.4 -4.2 NIM 4.6 3.8 0.8 NPL Gross 3.2 3.2 0.0 NPL Net 0.
Slide 36: PT Bank Permata Tbk Investor Relations Unit
PT BANK PERMATA TBK INVESTOR RELATIONS UNIT 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