Patria Bank SA · BVB:PBK
Patria Bank SA — Debt Investor Presentation (December 2020)
16 slides from Patria Bank SA's debt investor presentation, Dec 15, 2020
Slide 1: Listing of PBK28E Bonds on the Regulated Market of the Bucharest Stock Exchange
Listing of PBK28E Bonds on the Regulated Market of the Bucharest Stock Exchange Bucharest • 15 December 2020 patriabank.ro
Slide 2: I. Patria Bank – Background & Strategic Update
I. Patria Bank – Background & Strategic Update Romania represents an important opportunity in the financial services sector due to low levels of financial intermediation. Patria Bank is positioned to capture the potential of banking services on the Romanian market through products, distribution mode
Slide 3: Positioned to capture the potential of banking services
Positioned to capture the potential of banking services › Romania represents an important opportunity in the Patria Bank is positioned to capture the potential of banking financial services sector due to the low level of financial services in Romania intermediation: › The lending to the private sect
Slide 4: Products for banked and non-banked customers
Products for banked and non-banked customers Target segments Competitive advantages of Patria Bank › Patria Bank focuses on SMEs, › Decentralized and dynamic distribution and Microenterprises (“Micro”), Agriculture sales models SME (“Agro”) and Retail, especially in areas where › Tailored products:
Slide 5: Target segments
Target segments Microenterprises (“Micro”) SME and Small Corporate (“SME”) › Partnerships with various regional and international expertise centers: EFSE, EIF, EMN, etc › Portfolio: optimal combination between secured and unsecured financing together with sector diversification › Patria Bank is the
Slide 6: II. Financial performance at 30.09.2020
II. Financial performance at 30.09.2020 Financial results as of September 30, 2020 show a net profit of RON 5.98 Million, increasing by 2% compared to the same period of 2019. This financial performance occurred during an unforeseen pandemic environment in which predictability was very low and volat
Slide 7: Key Balance Sheet items
Key Balance Sheet items The process of placing excess liquidity in Selected ratios 2018 – Sept 2020 [%] loans continues % Dec 2018 Dec 2019 Sept 2020 › Net value of loans increased with RON › OCR 15.78 17.75 18.11 198 Million at 30.09.2020 compared to › Gross loans / Total assets 50 53 58 31.12.2019
Slide 8: Financial performance
Financial performance Profit and loss account: annual evolution 2018 - Sep 2020 [RON Mill.] › Net banking income registered a 13% decrease compared to the same period of 2019 (RON -17 Million), a negative evolution caused by the COVID-19 pandemic, the evolution of the ROBOR interest index, the decre
Slide 9: Quarterly evolution of business segments
Quarterly evolution of business segments Key evolution The quarterly evolution of income from interest, fees, commissions and FX [RON Mill.] During Q3 2020 the Bank focused on the Quarterly interest income on key segments of the Bank registered a decrease in following three main topics: Q1 and Q2 20
Slide 10: Investment in technology and operational flows
Investment in technology and operational flows Continuing optimization and digitization Acceleration of digitization and financial education programs › Internet & Mobile Banking Platform with new › Patria online registered as at 30.09.2020 an increase of functionalities for corporate clients, in lin
Slide 11: Covid-19 pandemic
Covid-19 pandemic Covid-19 actions and forecast › The activity in Q3 2020 continued to be impacted by the › In order to compensate for the contraction of net context generated by the COVID-19 pandemic, Patria Bank operating revenues the Bank initiated actions to reduce continuing to remain close to
Slide 12: III. Patria Bank on the Bucharest Stock Exchange
III. Patria Bank on the Bucharest Stock Exchange Patria Bank shares are traded on the Bucharest Stock Exchange with the PBK ticker symbol. In 2019 the bank closed successfully a first subordinated bond issue, currently traded on the regulated market of the BSE with the PBK27E ticker symbol. Starting
Slide 13: Bucharest Stock Exchange performance
Bucharest Stock Exchange performance PBK28E bond issue Covid-19 pandemic impact › During September 28-30 the Bank succesfully closed its second subordinated bonds issue amounting to EUR 8,187,000 › Similar to the Bank’s first issue, the bonds have an 8 year tenor and a 6.50% fixed interest rate (in
Slide 14: Strong shareholding structure
Strong shareholding structure Emerging Europe Accession Fund Axxess Capital track record in the financial sector Company in portfolio Acquisition on exit › EEAF is the main shareholder of Patria Bank and is an investment Banca Agricola vehicle managed by Axxess Capital Partners › EEAF is a Private E
Slide 15: Experienced management and board executives teams
Experienced management and board executives teams Vasile Iuga Nicolae Surdu Horia Manda Bogdan Merfea BoD member BoD member BoD Chairman BoD member (independent) (independent) Ex-Managing Managing Partner- Ex CEO and Partner-South East Axxess Capital BoD CEO-Raiffeisen President BCC Europe, Romania
Slide 16: Investor relations
Investor relations Patria Bank SA Information for shareholders and bondholders › Soseaua Pipera Nr. 42, Sector 2 › www.patriabank.ro/despre-patria/investitori Bucuresti, Romania › Phone: 0747 045 464 › Email: capital@patriabank.ro Contact persons › Razvan Pasol razvan.pasol@patriabank.ro › Remus Bog
Patria Bank — Debt Investor Presentation (December 2020) on 6ix