Patria Bank SA · BVB:PBK
Patria Bank SA — Q1 2021 Earnings Presentation
20 slides from Patria Bank SA's earnings presentation, May 2021
Slide 1: 2021 starts with growing results
2021 starts with growing results Presentation of results and outlook Bucharest • May 2021 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 a low level of financial intermediation. Patria Bank is positioned to capture the potential of banking services on the Romanian market through products, distribution model
Slide 3: We are positioned to capture the potential of banking services
We are 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 priva
Slide 4: Segments with significant competitive advantage
Products for banked and non-banked customers Target segments Competitive advantages of Patria Bank › Patria Bank focuses on SME, › Decentralised and dynamic distribution and Microenterprises (“Micro”), Agriculture sales models SME (“Agro”) and Retail, especially in areas where › Tailored specific pr
Slide 5: Target segments (I)
Target segments (I) SME and Small Corporate (“SME”) Microenterprises (“Micro”) SME MICRO › Focus on developing customer base through personalized › Patria Bank is one of the major players on the market in this offers and continuously improving quality of customer segment (ranked in Top 3). relations
Slide 6: Target segments (II)
Target segments (II) Agriculture (“Agro”) Individuals (“Retail”) AGRO RETAIL › Key segment for Patria Bank, affected to a lesser extent by › Providing a high level of services through the network the Covid-19 pandemic › Transformation of traditional banking towards new › Portfolio predominantly focu
Slide 7: Evolution towards a new business lines structure
Evolution towards a new business lines structure New structure of business lines under implementation in 2021 › Change in structure of Patria Bank’s business lines to be finalized in 2021 for SME SME/MICRO/ improved focus on key client segments AGRO › SMEs will remain a key focus area and will inclu
Slide 8: II. Growing results as at 31.03.2021
II. Growing results as at 31.03.2021 Financial results as of March 31, 2021 show a net profit of RON 453 Thousand, increasing by 119% compared to the same period of 2020, coming from the favorable evolution on all areas of activity and also including an additional cost of risk for a prudent approach
Slide 9: Placement of cash in income-generating assets continues
Placement of cash in income-generating assets continues Evolution of the gross performing loan Assets structure portfolio [Million RON] › The portfolio of gross performing The process of placing liquid assets in loans to customers in recent years has continued in 2021. loans increased to RON 1.76 Bi
Slide 10: Key Balance Sheet items
Key Balance Sheet items Changes in Patria Bank asset structure Selected ratios 2018 - 2021 [%] % Dec Dec Dec Mar › Total Assets amounting to RON 3,379 2018 2019 2020 2021 Million shows a slight contraction › Total Own Funds Ratio 15.78 17.75 21.60 21.19 compared to the end of 2020, › Gross loans / T
Slide 11: Net profit in a pandemic context
Net profit in a pandemic context Profit and loss account: Q1 2021 evolution vs. Q2 2020 [RON Million] › Net banking income registered in Q1 2021 an increase of 14% compared to Q1 2020, Net interest Net fees Operating Operating Operating income income income expenses result Cost of Risk Net result ma
Slide 12: The road to sustainable and profitable growth
The road to sustainable and profitable growth Innovative participant in key segments Quarterly results evolution [RON Million] › The Bank continuued to be an active and innovative participant in the key customer segments for its activity (agriculture, micro-enterprises and SMEs) › Increase in the ba
Slide 13: The road to sustainable and profitable growth
The road to sustainable and profitable growth › Patria Bank continued its support for those economic sub-sectors still Quarterly gross income from interest, fees, commissions and FX [RON Thousand] impacted by the crisis, continuing its major roles assumed since the outbreak of the Covid-19 Pandemic,
Slide 14: Investment in technology and operational flows
Investment in technology and operational flows Q1 – Initiatives with impact on business area Solutions with impact on the Operational Security Area › Online Customer Onboarding Individuals - › Solution for Classification and Encryption of Documents - implementation of security measures specific to t
Slide 15: III. Patria Bank stocks and bonds - market trends
III. Patria Bank stocks and bonds - market trends Patria Bank has three securities issues listed on the regulated market of the Bucharest Stock Exchange: the bank's shares (trading with PBK ticker symbol) and two subordinated bond issues trading with ticker symbols PBK27E and PBK28E. patriabank.ro
Slide 16: PBK shares on the Bucharest Stock Exchange
PBK shares on the Bucharest Stock Exchange › Patria Bank shares are traded on the regulated market operated by the Bucharest Stock Exchange (Premium Tier) with PBK ticker symbol Covid-19 pandemic impact › Issue ISIN: ROBACRACNOR6 › Total number of shares outstanding: 3,115,330,575 › Par value: RON 0
Slide 17: PBK bonds on the Bucharest Stock Exchange
PBK bonds on the Bucharest Stock Exchange PBK27E bond issue Covid-19 pandemic › Subordinated, unsecured, impact nonconvertible issued in Euro › Issue Date: 20 September 2019 › Total value: EUR 5.0 Million › Interest rate: 6.50% pa (fixed) › Maturity Date: 20 September 2027 › ISIN: ROZN0PQQARR5. PBK2
Slide 18: Strong shareholding structure
Strong shareholding structure Emerging Europe Accession Fund Axxess Capital track record in the financial services sector › The main shareholder of Patria Bank Investment Buyer upon exit is EEAF Financial Services BV, an investment vehicle managed by Axxess Capital Partners, with a Banca Agricola 83
Slide 19: 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 20: Investor relations
Investor relations Patria Bank SA Information for shareholders and bondholders › 42 Soseaua Pipera, Sector 2 › https://en.patriabank.ro/about-patria-bank/investors Bucharest, Romania › Phone: +40747 045 464 › Email: [email protected] Contact persons › Razvan Pasol [email protected] › Re