PT. BANK PANIN Tbk Presentasi PUBLIC EXPOSE 7 Desember 2018 Disclaimer: This report has been prepared by P.T. Bank Panin 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 we deem reliable. No warranty (expressed or implied) is made to the accuracy or completeness of the information. All opinions and estimates 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 (expressed or implied) of P.T. Bank Panin Tbk and/or its affiliated companies and /or their respective employees and/or agents whatsoever and howsoever 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 P.T. Bank Panin Tbk and/or its affiliated companies and/or their respective employees and/or agents accepts liability for any errors, omissions or mis-statements, negligent or otherwise, in this report and any inaccuracy herein or omission here from which might otherwise arise.
Transcript
PT. BANK PANIN Tbk
Presentasi
PUBLIC EXPOSE7 Desember 2018
Disclaimer: This report has been prepared by P.T. Bank Panin 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 we deem reliable. No warranty (expressed or implied) is made to the accuracy or completeness of the information. All opinions and estimates 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 (expressed or implied) of P.T. Bank Panin Tbk and/or its affiliated companies and /or their respective employees and/or agents whatsoever and howsoever 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 P.T. Bank Panin Tbk and/or its affiliated companies and/or their respective employees and/or agents accepts liability for any errors, omissions or mis-statements, negligent or otherwise, in this report and any inaccuracy herein or omission here from which might otherwise arise.
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Macro Economic EnvironmentMakro Ekonomi
2014 2015 2016 2017 3Q18
Real GDP (YoY%) 5.01% 4.88% 5.02% 5.19% 5.17%
FX Reserves ($bn) 112 106 116 130 115
FX Rate USD/IDR 12440 13795 13436 13548 14929
BI Rate/RR7D 7.75% 7.50% * 4.75% * 4.25% * 5.75%
Inflation 8.4% 3.4% 3.0% 3.6% 2.9%* 7 days repo
Sumber: Bank Indonesia dan Biro Pusat Statistik
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Makro Ekonomi
PERKEMBANGAN EKONOMI DUNIA
• Suku Bunga The Fed dan kurs US dollar
• Perundingan perang dagang US-China
• Brexit dan Italia menjadi pembicaraan baru di Euro Zone
PERKEMBANGAN EKONOMI INDONESIA
• Pertumbuhan GDP yang berkisar di 5%+
• Cadangan devisa turun mencapai USD 115 miliar dibulan Oktober 2018
• Neraca pembayaran defisit USD 4,3 miliar pada kuartal II 2018
• Inflasi terkendali, sekitar 3%
• Suku bunga acuan cendrung naik
• Subsidi yang mulai membengkak
• Dimulainya tahun kampanye
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Industri Perbankan
INDUSTRI PERBANKAN / KONGLOMERASI KEUANGAN
• Total asset perbankan umum per September 2018 mencapai Rp 7.769
trilliun, tumbuh 9% (yoy) dan 5% (ytd)
• Jumlah bank umum nasional 115 bank. 10 Bank besar mencakup sekitar
68% total aset perbankan.
• Pertumbuhan kredit per September 2018 sebesar 9% (yoy) dan 8% (ytd),
sedangkan pendanaan sebesar 7% (yoy) dan 4% (ytd).
• Likuiditas & permodalan menjadi penting untuk pertumbuhan berkelanjutan.
• OJK menerbitkan beberapa kebijakan untuk meningkatkan kinerja
perbankan.
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Industri Perbankan
SEPULUH BANK BESAR INDONESIA
berdasarkan Total Aktiva
Akhir September 2018 (dalam Trilliun Rupiah)
786 761516 460
199 164 148 117 107 94
Sources: Publication Financial Statement
LO
AN
S
1,183 1,174 799 764
272 261 204 179 173 164
The 7th
The 7th
Largest
JUMLAH BANK
Kategori
Bank Pemerintah 4
Bank Devisa Swasta 42
Bank Non Devisa Swasta 21
BPD 27
Bank JV 12
Bank Asing 9
Total 115Sumber: Bank Indonesia – SPI Agustus 2018
AS
SE
TS
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Sekilas Panin Bank
Pemegang Saham
PT Panin Financial Tbk, yang dahulu dikenal
sebagai PT Panin Life Tbk, memiliki 46.04% saham
Panin Bank
ANZ memiliki 38.82% saham Panin Bank
Publik 14.14%
Panin Financial46.04%
ANZ Bank
38.82%
Publik15.14%
Per September 2018
• Panin Bank didirikan pada bulan Agustus 1971
• Go Public pada tahun 1982
KonglomerasiJumlah Aset
Bidang Usaha Sep 2018 Porsi Panin
(Juta Rupiah)
PT Clipan Finance Tbk Finance 10,856,070 51.49%
PT Bank Panin Dubai Syariah Tbk Bank Syariah 8,130,851 53.70%
PT Verena Multi Finance Tbk Finance 1,183,815 57.54%
Anak Perusahaan Yang
Dikonsolidasi
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Sekilas Panin Bank
VISI: Menjadi Bank Ritel dan Komersial Terkemuka di
Indonesia
MISI:
Meningkatkan nilai franchise value, jaringan
distribusi dan basis nasabah.
Mengembangkan produk pendanaan inovativ dan
fokus pada pembiayaian segmen ritel.
Meningkatkan infrastruktur dan teknologi informasi
untuk efisiensi.
Meningkatkan daya saing melalui pengalokasian
SDM yang tepat, implementasi Manajemen Risiko
dan Tata Kelola Perusahaan yang baik serta efektif.
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Sekilas Bank Panin
Dewan Komisaris: *)• Lintang Nugroho : Wakil Presiden Komisaris Independen
• Chandra R. Gunawan : Komisaris **)
• Drs. H. Riyanto : Komisaris Independen
• Lianna Loren Limanto : Komisaris
Direksi: • Herwidayatmo : Presiden Direktur
• Roosniati Salihin : Wakil Presiden Direktur
• Hendrawan Danusaputra : Wakil Presiden Direktur
• Edy Heryanto : Direktur Perbankan Komersial
• Gunawan Santoso : Direktur Tresuri
• Lionto Gunawan : Direktur Umum dan Sumber Daya Manusia
• Ng Kean Yik : Direktur Perbankan Ritel
• Januar Hardi : Direktur Perbankan Korporasi
• H. Ahmad Hidayat : Direktur Administrasi Dan Keuangan
• Suwito Tjokrorahardjo : Direktur
• Antonius Ketut D. : Direktur Kepatuhan dan Manajemen Risiko
*) Terhitung sejak tanggal 20 September 2018
**) Efektif setelah mendapat persetujuan dari Otoritas Jasa Keuangan (OJK)
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Sekilas Panin Bank
JARINGAN DISTRIBUSI
501 552 566 565 562 553
965 1,009 1,023
981 967 965
-
200
400
600
800
1,000
1,200
2013 2014 2015 2016 2017 3Q18
Office ATM
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Sekilas Bank Panin
Kegiatan Usaha
A. Perbankan Ritel dan Komersial:
Pendanaan:
• Giro, Tabungan, Deposito (Rupiah & Valas)
Perkreditan:
• UMKM (Usaha Mikro Kecil dan Menengah)
• Konsumen/Perorangan
• Korporasi
Pelayanan jasa:
• Panin Prioritas
• Panin Platinum Credit Card
• Electronic-Banking
• Safe Deposit Box
B. Transaksi Luar Negeri:
• Letter of Credit
• Remittances/Money Transfers
• Collection
C. Transaksi Treasury:
• Pasar Uang
• Perdagangan Valuta Asing
• Fixed Income – Perdagangan Surat-Surat Berharga
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Sekilas Bank Panin
Prospek Usaha
Perseroan menetapkan strategi bisnis untuk fokus dalam mengembangkan
sektor ritel dan komersial dengan memberikan pelayanan jasa terpadu
untuk memenuhi semua kebutuhan perbankan nasabah.
• Potensi pasar nasional yang luas dan penduduk Indonesia 260 juta.
• Perluasan basis nasabah melalui distribusi yang terus diperluas dengan penyebaran
risiko kredit melalui pembiayaan UMKM.
• Pendanaan dari deposan ritel melalui produk tabungan inovatif dan basis nasabah
yang luas.
• Pemasaran terpadu melalui peningkatan fungsi Customer Relationship.
• Potensi Cross-selling berbagai produk jasa untuk meningkatkan Fee Based Income.
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Kinerja Keuangan
2016 2017 SEP 2017 SEP 2018
Audited Audited UNAUDITED UNAUDITED
199,175 213,542 7.21% Total Aset 213,111 204,247 -4.16%
134,630 140,425 4.30% Total Kredit 138,652 147,551 6.42%
142,654 145,671 2.11% Total DPK 144,423 135,223 -6.37%
10,456 9,331 -10.76% Total Obligasi + Subdebt 12,744 17,318 35.89%
34,201 36,289 6.10% Total Ekuitas 36,481 38,959 6.79%
1.69% 1.61% ROA 1.80% 1.81%
8.29% 7.49% ROE 8.69% 8.46%
94.37% 96.39% LDR 96.00% 109.09%
20.49% 21.99% CAR 23.39% 23.16%
5.03% 4.68% NIM 4.68% 4.83%
2.81% 2.84% NPL 3.02% 3.14%
0.82% 0.77% NPL netto 0.94% 1.01%
Konsolidasi
Rasio Konsolidasi
YoY YoY
Neraca:
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Laba Rugi:
Kinerja Keuangan
2016 2017 KETERANGAN SEP 2017 SEP 2018
AUDITED AUDITED KONSOLIDASI UNAUDITED UNAUDITED
17,447 17,484 0% Pendapatan Bunga 13,075 12,867 -1.6%
9,004 8,832 -2% Beban Bunga 6,649 6,114 -8%
8,443 8,652 2% Pendapatan Bunga Bersih 6,427 6,753 5%
1,413 1,823 29% Pendapatan Operasional Lainnya 1,307 1,514 16%
4,755 4,826 1% Beban Operasional Lainnya 3,529 3,828 8%
