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This Is Your Presentation Title PT BANK PERMATA Tbk September 2020 Financial Result as of 02 November 2020 Analyst Presentation Prepared by Investor Relations 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. Kami tidak bertanggung jawab atau memiliki kewajiban apa pun tanpa pemberitahuan sebelumnya dari PT Bank Permata Tbk dan / atau karyawan dan / atau agen mereka masing-masing yang timbul yang dapat dibawa atau diderita oleh orang lain sebagai akibat bertindak atas dasar seluruh atau sebagian dari isi laporan ini. Baik PT Bank Permata Tbk dan / atau perusahaan afiliasinya dan / atau karyawan dan / atau agennya masing-masing tidak bertanggung jawab atas kesalahan, kelalaian dalam laporan ini dan setiap ketidakakuratan atau kelalaian yang mungkin timbul. 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 Deflation trend and already below BI target high range target 4.0% 3.39% 2.98% 5.25% 3.00% 5.00% 4.50% 4.75%4.50% 2.0% low range target 4.00% 4.00% 1.32% 1.42% 1.54% Inflation (yoy) 7 Days Reverse Repo rate Jul-20 Jul-20 Jul-20 Jan-20 Jun-20 Oct-19 Apr-20 Sep-19 Feb-20 Sep-20 Jan-20 Dec-19 Jun-20 Aug-20 Oct-19 Apr-20 Nov-19 Sep-19 Feb-20 Sep-20 Mar-20 Dec-19 Aug-20 May-20 Nov-19 Mar-20 May-20 Rupiah is weakened since Feb-20, due to Covid-19 outbreak GDP Growth is starting rebound 16,825 5.17% 5.18% 5.07% 5.05% 5.02% 4.97% 14,951 15,669 14,780 14,554 14,231 14,543 2.97% 14,245 13,700 Q3-18 Q4-18 Q1-19 Q2-19 Q3-19 Q4-19 Q1-20 Q2-20 Q3-20 USD/IDR -3.0% est. 31-Jul-20 31-Jan-20 30-Jun-20 31-Oct-19 30-Apr-20 30-Sep-19 29-Feb-20 30-Sep-20 31-Dec-19 31-Aug-20 30-Nov-19 31-Mar-20 31-May-20 -5.32% 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 166.8 tn (consolidated) ** Market Capitalization Rp 32.2 tn . Bangkok Bank is the largest corporate bank in Thailand, with Total Assets of ± US$ 127 Billion ** Network & Branches Total 304 Branches consist of : and has more than 17 million customer • 69 Branch Offices (incl.16 Sharia Branches & 1 HO) accounts with 1,200 branches nationwide • 217 Sub Branch (incl. 4 Sharia Sub Branches) • 18 Cash Offices (incl. 2 Sharia Services) . Bangkok Bank has the largest overseas branch ATMs * 939 (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 (98.71%) Kingdom, and the United States. • Public (1.29%) 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 * connected through Alto, Visa Plus, ATM Bersama, Master Card, Cirrus and Prima networks of the Indonesian banking sector. ** as of Sep-20 *** as of 7 October 2020 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) 6 Financial Performance Financial Performance Highlights • LOAN GROWTH – Slightly declined by -4.3% (YoY) to Rp.102.9 Trillion in Q3-20 in line with the decline in credit demand due to the economic downturn as a result of COVID-19 outbreak. Bank continues to selectively provide loan for customers and industrial sectors that are not affected by COVID-19 which predicted be able to sustain in accordance with the Bank’s appetite and principle of prudence to maintain the quality of the loan. • RESTRUCTURED LOAN – As of September 2020, the total requests for the Restructuring and Credit Relaxation program related to COVID-19 received by Permata Bank amounted to IDR 11.97 trillion or 11.6% of the total credit in Sep 2020, of which 91% have been approved and booked. Bank continues to focus on helping affected debtors by carrying out loan restructuring and relaxation programs in accordance with OJK direction. • THIRD PARTY FUND – Total third party fund grew by 11.1% to Rp. 133.3 trillion, which majorly was supported by CA and SA growth of 18.3% and 8.2%, resp., led to an increase in CASA by 13.4%. CASA ratio at 51% which showing that PemataBank continues to play an important role in supporting customers to manage their business in difficult economic conditions. As of Sep-20, LDR was also well maintained at 74.5%. • MANAGEABLE ASSET QUALITY WITH PRUDENT COVERAGE RATIO – The gross NPL ratio increased to 3.8% compared to Sep 2019 which was 3.3% with NPL-net maintained at a level of 1.5% compared to Sep 2019 position of 1.2%. This was influenced by the impact of the COVID-19 pandemic on the financial capacity of debtors in almost all industry segments. • THE NPL COVERAGE RATIO – Well maintained at 118% in Sep 2020, an increase compared to Jun 2020 position of 112%. This is in line with the efforts to improve credit quality that have been made while maintaining conservatism and indicate the Bank's efforts to mitigate potential credit losses in a prudent manner. 8 Financial Performance Highlights • REVENUE GROWTH – Pre Provision Operating Profit (PPOP) was recorded at IDR 2.6 Trillion or grew by 20.4% (YoY) compared to the same period last year, which was mainly contributed by an increase in Net Interest Income of 8.6% (YoY) to IDR 4.7 Trillion by end Q3-20 and also the Operating Income other than Interest (Fee Based Income) increased by 9.0% to IDR 1.6 Trillion. This led to the achievement of the NIM ratio to 4.4% or an increase of 19bps compared to the position in Sep 2019 of 4.2%. Meanwhile the Fee Income to Income (FIR) ratio was maintained at the level of 25.1%, increasing by 11bps compared to the position in Sep 2019 of 25.0%. • OPERATIONAL COST – Business efficiency has continuously improved with the achievement of the Cost to Income Ratio (CIR) of 59.8%, a significant improvement compared to last year position of 63.6%. This is achieved through effective cost management efforts combined with the use of technology and digitized transaction in enabling the Bank to be more adaptive during COVID-19 pandemic and continuously serving potential customers effectively.
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