First Half 2020 Financial Result
#MakingADifference
Company Presentation 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. Tidak ada jaminan (tersurat maupun tersirat) yang dibuat untuk keakuratan atau kelengkapan informasi. Semua pendapat dan perkiraan yang termasuk dalam laporan ini merupakan penilaian kami pada tanggal ini dan dapat berubah tanpa pemberitahuan sebelumnya.
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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 warranty (expressed or implied) is made to the accuracy or completeness of the information. All opinions and estimations included in this report constitute our judgment as of this date and are subject to change without prior notice.
We disclaim any responsibility or liability without prior notice of PT Bank Permata Tbk and/or their respective employees and/or agents whatsoever arising which may be brought against or suffered by any person as a result of acting in reliance upon the whole or any part of the contents of this report and neither PT Bank Permata Tbk and/or its affiliated companies and/or their respective employees and/or agents accepts liability for any errors, omissions, negligent or otherwise, in this report and any inaccuracy herein or omission here from which might otherwise arise. Presentation Content
1 MACRO ECONOMY UPDATES
2 PERMATA BANK IN BRIEF
3 FINANCIAL PERFORMANCE HIGHLIGHTS
4 BUSINESS UPDATE
5 OTHER INFORMATION
3 Macro Economy
Decreasing interest rate to boost domestic growth Inflation Rate Drop below 2%
high range target 4.0% 6.00% 6.00% 3.49% 3.00% 5.25% 3.28% 2.67% 5.50% 5.00% 4.75% 2.0% 1.96% 4.50% 4.25% low range target 2.0% Series1
7 Days Reverse Repo rate
Jul-19 Jul-20
Jan-20
Jun-19 Jun-20
Jul-19
Oct-19
Apr-19 Apr-20
Sep-19 Feb-20
Dec-19
Aug-19
Nov-19
Jan-20
Mar-19 Mar-20
Jun-19 Jun-20
Oct-19
May-20 May-19
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Sep-19 Feb-20
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Aug-19
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Mar-20 May-20
GDP growth contracting in Q2-20 (-5.32%) contributed by Contraction of Rupiah is weakened since Feb-20, due to Covid-19 outbreak Household Consumption
5.27% 5.17% 5.18% 5.07% 5.05% 5.02% 4.97% 16,354 5.00% 15,631 15,786 14,825 2.97% 14,212 14,203 14,369 3.00%
13,746 1.00%
-1.00% Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 2018 2019 2020 USD/IDR -3.00%
-5.00%
-5.32%
28-Jul-19
28-Jan-20
28-Jun-19 28-Jun-20
28-Oct-19
28-Apr-20
28-Sep-19 28-Feb-20
28-Dec-19
28-Aug-19
28-Nov-19 28-Mar-20 28-May-20 -7.00% 4 PermataBank in Brief
Year Established 1955 Controlling Shareholders 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)
Asset **) Rp 157,8 tn (consolidated) Market Capitalization **) Rp 35.6 tn . Bangkok Bank is the largest corporate bank in Thailand, with Total Assets of ± US$ 123 Billion Network & Branches **) Total 309 Branches consist of : and has more than 17 million customer • 69 Branch Offices (incl.14 Sharia Branches & 1 HO) accounts with 1,200 branches nationwide • 221 Sub Branch (incl. 4 Sharia Sub Branches) • 19 Cash Offices (incl. 1 Sharia Services) . Bangkok Bank has the largest overseas branch ATMs **) 965 (incl. 19 sharia ATMs) and additional network of any Thai bank, with 31 overseas access to >100,000 ATMs* locations in 15 nation, including China, Cambodia, Hong Kong, Indonesia, Japan, Shareholders • Bangkok Bank Public Company Ltd Laos, Malaysia, Myanmar, the Philippines, Singapore, Taiwan, Vietnam, the United (89.12%) Kingdom, and the United States. • Public 10.88%
Corporate Rating id AAA (Pefindo) . Bangkok Bank has core presence in key ASEAN market, leveraging on cross border AA+(idn) (Fitch) trade, capital, wealth and investment flow. Baa2 (Moody;s) Bangkok Bank is aiming to become a leading and well-diversified ASEAN regional bank. id AA+ (Pefindo) Sub Debt Rating
. Bangkok Bank has been in presence in Id AA (Pefindo) Basel-III Sub Debt Rating Indonesia since 1968 with deep understanding of the Indonesian banking sector. *) connected through Alto, Visa Plus, ATM Bersama, Master Card, Cirrus and Prima networks **) as of June-20 5 PermataBank Growth Strategies A B C STRENGTHENING STRENGTHENING STRENGTHENING SYNERGY WITH FINANCIAL PERFORMANCE BUSINESS ENABLER SHAREHOLDERS
. REVENUE: Grow customer (incl. . Leverage capabilities and . CREDIT: Create credit culture to partnership), deepen relationship increase collaboration with drive responsible growth, clear (fee, cross-sell, value chain to Bangkok Bank: leveraging governance and compliance customer’s ecosystem), increase NIM international customers, product adherence (e.g. pricing, unsecured lending, skills and joint deals across . DIGITAL: Create and execute Digital CASA), drive BETTER lending, transaction banking, FM Roadmap (Customer experience, product/offerings sales and ALM Digitize sales, Tech/Ops, Agile . COST: Improve efficiency and Operating model) productivity: process, review . Build new strategic partnership . NETWORK: Revamp network and network/branch model, commercial & deepen relationship with review branch model (Lean branch excellence existing strategic partners with service, Lean branch model) . QUALITY: Manage risk appetite, risk innovative business models . ORGANIZATION: Manage changes limits and underwriting criteria in across organization (people, culture) regards of Covid-19 impact. . Continue to deepen relationship with Astra Group, and its . EXPERIENCE: Improve Stakeholder ecosystem across 7 industry Experience (addressed complaints, verticals and segment offering better process – lower TAT & service (retail, commercial, corporate and delivery) Syariah)
66 Financial Performance
PermataBank focus on the penetration of high yield assets, while at the same time able to manage risk and risk- return reward. Performance Highlights
• LOAN GROWTH – loan decrease by 3.1% (yoy) to Rp.103.7 trillion in June-20 in line with lower loan demand due to the weakening global and domestic economies affected by COVID-19 outbreak. Bank focuses on helping the affected debtors by conducting a loan restructuring and relaxation program in accordance with OJK's direction. • RESTRUCTURED LOAN – by the end of June 2020, the total application request for loan restructuring and relaxation programs related to COVID-19 was approx. Rp 15.5 trillion (15% of the total loans in June 2020) of which 62% is already approved, 13% is still in process and 25% rejected by committee. • THIRD PARTY FUND - Total third party fund grew by 11.4% to Rp. 124.5 trillion, which majorly was supported by CA and SA growth of 14.7% and 6.7%, resp., led to an increase in CASA by 10.7%. CASA ratio at 52% which showing that PemataBank continues to play an important role in supporting customers to manage their business in difficult economic conditions. • MANAGEABLE ASSET QUALITY WITH PRUDENT COVERAGE RATIO - The gross NPL ratio increased slightly to 3.7% compared to June-19 at 3.6%, with the NPL-net maintained at 1.8% compared to 1.3% at June-19. This was affected by COVID-19 outbreak to debtors' financial capability in almost segment industries. THE NPL COVERAGE RATIO WAS MAINTAINED AT 112% in the June-20 position in line with efforts to improve credit quality that have been carried out and indicating the Bank's efforts to continuously mitigate potential credit losses prudently.
8 Performance Highlights
• REVENUE GROWTH – Pre Provision Operating Profit (PPOP) was recorded at Rp 1.7 trillion or grew by 24.2% (YoY) compared to the same period last year, which mainly was contributed by an increase in net interest income of 12.1% (YoY) to Rp 3.2 trillion at the end of H1-20 and also Non-Interest Income increased by 7.8% to Rp.990 billion. This improved NIM ratio to 4.5% or an increase by 38bps compared to the June-19 position of 4.2%. While the Fee Income to Income (FIR) ratio was maintained stable at 24.0%, a slight decrease compared to the position in June-19 of 24.7% Operational Costs is at manageable level with the Cost to Income Ratio (CIR) recorded at 58.7%, improved significantly compared to last year's position of 62.8% and Dec-19 position of 61.6%. Net profit was booked at Rp 366 billion or reduced by 48.5% compared to previous year. However, Normalized profit after tax (excluding LI impact of COVID-19 and changing of income tax rates from 25% to 22%) was recorded at Rp.742 billion or increased by 4.4% compared to the same period last year.
• STRONG LIQUIDTY - Common Equity Tier 1 (CET-1) and Capital Adequacy Ratio (CAR) were strongly maintained at 20.2% and 21.3%, resp., in Jun-20 increased compared to 18.4% and 19.8% in the same period last year - far higher than the regulator’s minimum capital requirement. The capital ratio even remained strong after incorporating the impact of the first implementation of PSAK 71 regarding the provision for losses of financial instruments effective from Jan 1, 2020.
9 Key Financial Highlights
Jun 2019 Jun 2020 ∆ (%)
Loans (Rp Tn) 107.0 → 103.7 -3.1
Gross NPL Ratio 3.6% → 3.7% 0.1 Net NPL Ratio 1.3 % → 1.8% 0.5 NPL Coverage Ratio 157% → 112% -45 CASA Ratio 51.9% → 52.1% +0.02 [CASA (Rp Tn)]* 58.5 → 64.8 +10.7
LDR 93% → 81% -12 NIM 4.2% → 4.5 +0.3 BOPO 88% → 91% +3 CIR 63% → 59% -4 Profit Before Tax (Rp Bn) 953 → 750 -21.3 Profit After Tax (Rp Bn) 711 → 366 -48.5 Profit After Tax (Rp Bn) normalized** 711 → 742 +4
Notes : * Including Sharia deposits ** Excluding the COVID-19 impact on the increasing allowance for impairment asset and the effect of decreasing CIT – PPh from 25% to 22% Source : Published Report (Consolidated) 10 Income Statement Published Report Normalized Profit * YoY (in IDR bn) Jun-20 Jun-19 YOY Jun-20 Jun-19 Growth
Net Interest Income 3,162 2,821 12% 3,162 2,821 12% Non Interest Income 990 918 8% 990 918 8% Revenue 4,152 3,739 11% 4,152 3,739 11% Operating Expense 2,438 2,359 3% 2,438 2,359 3% Staff costs 1,304 1,173 11% 1,304 1,173 11% Promotion costs 49 68 -29% 49 68 -29% Other costs 1,085 1,117 -3% 1,085 1,117 -3% Pre Provision Operating Profit 1,714 1,381 24% 1,714 1,381 24% Provision Expense 1,068 466 129% 863 466 85% Operating Profit 647 915 -29% 852 915 -7% Non Operating Income 104 39 169% 104 39 169% Profit Before Tax 750 953 -21% 955 953 0% Tax (384) (242) 59% (213) (242) -12% Profit After Tax 366 711 -48.5% 742 711 4%
Source : Published Report (Consolidated).
• The significant increase in loan impairment was due to higher expected credit losses and market volatility in anticipation to COVID-19 pandemic. The deterioration in some Macro Economic Variables (MEV) have been applied in calculating the Probability of Default (PD) of loan portfolio • The implementation of the new corporate income tax rate cause the Bank have to recalculate the deferred tax assets (DTA) (which was originally calculated at a rate of 25% to be lowered to 22%), resulting an overstatement in recognition of DTA assets). 11 Balance Sheet
Actual Actual
(in IDR tn) Jun-20 Jun-19 YoY Dec-19 YTD
Cash 1.8 1.9 -5% 2.3 -20% Placement with Bank Indonesia 16.2 13.5 19% 16.3 -1% Placement with Other Banks 5.5 3.3 69% 9.6 -42% Marketable Securities * 22.6 14.8 53% 11.9 91% Loans (gross) 103.7 107.0 -3% 108.2 -4% Allowance for Loan Impairment Losses (4.2) (5.9) -29% (3.9) 8% Other Assets 12.4 13.2 -6% 17.2 -28% Total Assets 158.0 147.8 7% 161.5 -2% Deposits ** 124.5 112.8 10% 122.9 1% - Current Accounts 33.5 29.2 15% 32.4 3% - Saving Accounts 31.3 29.3 7% 29.8 5% - Time Deposits 59.7 54.3 10% 60.7 -2% Subordinated Debt 1.6 4.1 -62% 2.3 -31% Others Liabilities 8.1 7.6 6% 12.3 -34% Total Liabilities 134.1 124.5 8% 137.5 -2% Shareholders' Equity 23.9 23.3 2% 24.0 -1% Total Liabilities & Shareholders' Equity 158.0 147.8 7% 161.5 -2%
Notes : * Including Reverse repo Source : Published Report (Consolidated) ** Including Sharia deposits 12 Financial Ratios
(in %) Jun-20 Dec-19 Jun-19
CET-1 ratio 20.2 18.7 18.4
Total CAR 21.3 19.9 19.8
LDR 81 86 93
CASA ratio * 52 51 52
ROA 0.9 1.3 1.2
ROE 3.5 7.2 7.1
BOPO 91 87 88
CIR 59 62 63 NIM 4.5 4.4 4.2
NPL Gross 3.7 2.8 3.6
NPL Net 1.8 1.3 1.3
NPL Coverage ratio 112 133 157 Regulatory Coverage ratio 147 146 181
Source: Published and Management Report (Bank only) Note: CASA Ratio includes Sharia deposits
13 Focus on Healthy Loan Growth
Gross Loan (IDR Triliun) Bad Book Loan (IDR Triliun) ↓ 3,1% YOY ↓ 40,7% YOY
Decrease in loan gross is mostly driven by lower Bad-Book Loan by -41% YOY ↓ -0.3%
108.2 99.8 103.2 99.4 107.0
103.7
↓ -41%
7.2 5.0 4.3
Jun-19 Dec-19 Jun-20 Jun-19 Dec-19 Jun-20 Good Book Loan Bad Book Loan
Source: Bank Publication Reports (Consolidated),*Good -Book Loan : Unimpaired loan (internal assessment) 14 Asset Quality Affected By Covid-19, However Bank’s Can Prudently Managed the Risk
NPL Gross NPL Coverage Ratio ↑ 10 bps YOY NPL Coverage Ratio is well maintained above 100% 1.8% 1.3% 1.3% 157%
133% 2.8% 3.6% 3.7% 112%
6.0% 7.4% 7.2%
2.0%
1.1% 91.2% 0.9% 89.0% 89.1%
Jun-19 Dec-19 Jun-20 Jun-19 Dec-19 Jun-20 Current SML NPL Gross CKPN / NPL Cost of Credit
Source: Bank Publication Reports (Consolidated), Financial Ratios based on Bank Individual Reports 15 Program For Developing Restructuring & Relaxation of Loan Impacted by Covid-19
Restructuring & Relaxation Loan Affected by Covid-19 Restructuring Scheme Program IDR 15.5 Trillion Request for Restructuring & Relaxation 40% Deferred Installments / Interest 11% of Total Credits - June 2020 63% Restructuring, 37% Relaxation
11.2% 2%
29% 28% 37%
63%
89% 40%
Loan Restructured & Relaxation Loan Tenor Extension Non-Restructured & Non-Relaxed Loan Loan Restructured Loan Relaxation Granting Grace Period Postponement of Installments / Interest Payment Holiday
16 Growth Deposit, focus on CASA
Deposit Composition (IDR Trillion) 10.4% YOY YOY Growth • The third party funds balances increased by 1.3 % (YTD) % 122.9 124.5 10.4.% from Jun-19 to Jun-20, mainly driven 112.8 by the increase in CASA by 11% YoY. +10% 60.7 59.7 • PB’s deposit strategy is continuously 54.3 focusing on low cost and sustainable funds (CASA).
+11% • The CASA percentage is maintained stable 58.5 62.3 64.8 at 52% in Jun-20 in line with PB’s deposit strategy and in order to contribute a stable Jun-19 Dec-19 Jun-20 NIM%. CASA Time Deposits CASA Ratio (%) By Currencies
0.16 bps (YOY) IDR Non IDR 52 52 16% 15% 16%
51 84% 85% 84%
Jun-19 Dec-19 Jun-20 Jun-19 Dec-19 Jun-20
Source : Published and Management Report 17 Increasing NIM and Overall Yield
10.0% 9.0% 8.3% 8.4% 8.4% 8.4% 7.9% 7.9% 8.0% 8.1% 7.8% 8.0% 7.0% 6.0% 4.8% 4.7% 4.6% 4.3% 4.6% 5.0% 4.2% 4.3% 4.0% 4.5% 4.0% 4.6% 4.2% 4.4% 3.9% 3.0% 4.0% 4.0% 4.1% 4.0% 4.2% 2.0% 1.0% 0.0% Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20
Yield of Interest Earning Assets Cost of Interest Bearing Liabilities NIM
• NIM ratio is 4.5% or increased by 38bps compared to the position of Jun-19 which is at 4.2%. Despite the uncertain economy condition due to COVID-19, the Bank still continuously improving its NIM.
• The increase in NIM was mostly due contributed by decrease in the interest expense due to Bank’s subordinated bond (Tier-2 Capital) and increase in CASA composition during the year. Both caused the cost of funds decrease faster while the loan interest yield is slower to adjust following by its repricing period due to the decrease of BI 7D RR.
Source : Published and Management Report (Bank Only) 18 Strong Growth of Non Interest Income
NFI Composition* (IDR Billion) +8% Jun-19 Jun-20 1,200 990 1,000 918 +36% 800 +0.4% 600 -8% -19% +21% 407 -13% -29% 400 298 190 191 113 115 200 65 60 99 57 46 100 72 95 - Gains Fx Sale & Loan Related Trade Finance Bancassurance Security Agency Credit Card & E- Others Total Non Incr. in Value of Fees Services & Channel Interest Income Sec. & Gov. Investment Bonds Services Fee to Income Ratio* • Bank recorded Strong NFI growth of 8% 26% 25% 25% YoY, contributed from treasury 25% 25% transaction (FX) which increased by 36% 25% 24% year-on-year. 24% 23% 23% 24% 23% • Due to strong growth of NFI, Fee Income 23% 22% 23% 22% to Income (FIR) ratio was able to be 22% maintained at 24%. 22% 21% Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Source : Published and Management Report (*Bank Only) 19 Managable Operating Expenses
+7% Expenses Composition* (IDR Billion)
+14% Mar-19 Mar-20 1,178 1,223 -10%
+3% 581 622 +0.2% +80% 421 378
32 32 86 89 57 103
Staff Cost Marketing & Information Depreciation and Others Total Operating Promotion Technology amortization Expenses
Operation Efficiency Ratios* (BOPO) Cost to Income Ratio*
68% 66% 66% 100% 98% 96% 66% 65% 65% 93% 94% 64% 63% 62% 62% 91% 62% 90% 88% 88% 87% 87% 60% 58% 59% 58%
56%
80% 54%
Jun-18 Jun-19 Jun-20
Jun-18 Jun-20 Jun-19
Sep-19 Sep-18
Dec-18 Dec-19
Sep-18 Sep-19
Dec-18 Dec-19
Mar-19 Mar-20
Mar-19 Mar-20
Source : Published and Management Report (*Bank Only) 20 Capital Position Remain Strong
21.3 19.8 19.8 19.9 19.6 20.2 18.4 18.6 18.7 18.4
Min Requirement (incl buffers) : 12.5
Jun-19 Sep-19 Dec-19 Mar-20 Jun-20
Total CAR CET1
Risk Weighted Asset (IDR Billion) CET-1 Ratio (%)
+1.81 % YOY - -4,7 % YOY 20.18 0.9 0.3 18.37 - 113,432 - 108,282 0.0
20.2
(1,561) (3,249) (341) 1.81 Jun-19 Credit Risk Market Risk Operational Jun-20 Jun-19 RWA Profit DTA MTM AFS Fixed Asset Others Jun-20 Risk Reval 21 Business Updates
Positioning for Quality and Sustainable Growth with Simple, Fast, and Reliable Business Process. Retail Banking - Supported by High Yield Asset Growth
Retail Loan Composition (IDR Trillion)
-22% Jun-19 Jun-20 61.9
48.4 -21% +12% -44%
-12% 28.5
-3% 16.7 18.8 16.0 12.9 10.2 1.7 1.5 2.1 2.0
Retail Banking Credit Card Personal Loan Joint Finance Mortgage SME
Note: Since January 2020, there has been a shift in the recording of the Middle Enterprise segment credit portfolio to the Commercial Credit portfolio (part of Wholesale Banking)
Deposit Composition 3.3% YOY (IDR Trillion)
88.2 89.4 91.6 95.1 91.2
43.7 42.4 43.3 43.6 42.5
Time Deposit
45.9 46.1 48.0 51.4 48.6 CASA
Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 23 Wholesale Banking Supported by the growth of Good Book Loan
Wholesale Banking Loan Composition (IDR Trillion)
22% YOY -2% QoQ
52.97 51.95 42.57 43.74 43.29
Jun-19 Sep-19 Dec-19 Mar-20 Jun-20
Note: Since January 2020, there has been a shift in the recording of the Middle Enterprise segment credit portfolio to the Commercial Credit portfolio (part of Wholesale Banking)
Deposit Composition (IDR Trillion) +36% YOY 38.0 33.5 30.7 31.4 24.6 18.1 17.2 17.0 17.1 11.9 Time Deposit
19.9 CASA 12.7 13.7 14.4 16.3
Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 24 Shariah Banking Achievements Adding Value to PermataBank
ASSET CONTRIBUTION (IDR TN) REVENUE CONTRIBUTION (IDR BN) Bankwide Shariah Bankwide Shariah 14.2% 13.9% 12.5% 12.0% 485 442 21 22
4,152 148 158 3,739
Jun-19 Jun-20 Jun-19 Jun-20
DEPOSIT CONTRIBUTION (IDR TN) FINANCING CONTRIBUTION (IDR TN) Bankwide Shariah Bankwide Shariah 15% 14% 14% 13% 18 15 14.6 14.3 113 125 107 103
Jun-19 Jun-20 Jun-19 Jun-20
Source: Published and Management Report (Bank only) 25 Digital Banking Achievements Continuous Innovation and Improvement
Source: Published and Management Report (Bank only) 26 PERMATAMOBILE X Mobile Banking Super App
Source: Published and Management Report (Bank only) 27 Other Information
Contain Shares Information, Asset Quality’s Debtor, Ratings and others appendices Board of Commissioner
Chartsiri Sophonpanich Chalit Tayjasanant Chong Toh Niramarn Laisathit President Commissioner Commissioner Commissioner Commissioner
Haryanto Sahari Rahmat Waluyanto Goei Siauw Hong Yap Tjay Soen Independent Commissioner Independent Commissioner Independent Commissioner Independent Commissioner
29 Board of Director
Ridha DM Wirakusumah Dhien Tjahajani Lea Kusumawijaya Abdy Salimin President Director Director Director Director
Djumariah Tenteram Darwin Wibowo Herwin Bustaman Dayan sadikin Director Director Director Director
30 Shares Perfromance
1600 1385 700
1400 1,315 Thousands 1260 12701260 1,290 1,265 1280 1205 1,215 600 1200 1,080 1,110 1045 1,045 500 1000 915 985 995 780 400 800 900 630 300 600 665
400 200
200 100
0 -
Trading volume Share price
BNLI Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Price (IDR) 625 960 780 1,110 1,265 1,035 1,270 PBV (x) 0.8 1.2 0.9 1.3 1.5 1.2 1.5 P/E Ratio 26 18 15 21 24 N/M 49 Market Cap (IDR Tn) 17.5 26.9 21.9 31.1 35.5 29.0 35.6
Book Value 22,452 22,955 23,313 23,729 24,037 23,247 23,855 O/S Share (in Bn ) (average) 28.043 28.043 28.043 28.043 28.043 28.043 28.043 PAT 901 377 711 1,093 1,500 0.002 366 EPS 32 54 51 52 54 0.00 26.14 BVS 801 819 831 846 857 829 851 31 Thank You!
PT Bank Permata Tbk
Investor Relations Unit World Trade Center II Jl. Jend. Sudirman Kav. 29-31 Jakarta 12920 - Indonesia
Phone : (62-21) 523 - 7899 / 7999 Website : www.permatabank.com Email : [email protected]
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 warranty (expressed or implied) is made to the accuracy or completeness of the information. All opinions and estimations included in this report constitute our judgment as of this date and are subject to change without prior notice. We disclaim any responsibility or liability without prior notice of PT Bank Permata Tbk and/or their respective employees and/or agents whatsoever arising which may be brought against or suffered by any person as a result of acting in reliance upon the whole or any part of the contents of this report and neither PT Bank Permata Tbk and/or its affiliated companies and/or their respective employees and/or agents accepts liability for any errors, omissions, negligent or otherwise, in this report and any inaccuracy herein or omission here from which might otherwise arise. 32