Presentation of the Group s Financial Results for Q3 2018
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1 Presentation of the Group s Financial Results for Q Warsaw, 29 November 2018
2 Getin Holding Group Macroeconomic conditions POLAND GDP growth 5.1% in Q3 Inflation 1.8% (YoY) in October Unemployment rate record-low at 5.7% in August (vs 6.9% in January) Interest rates unchanged (1.5%) GetBack case turbulences on the bond market KNF case RUSSIA Expected GDP growth 1.3% in Q3 Inflation 3.5% in October vs 2.2% YoY in January Unemployment 4.5% in August (vs 5.2% in January) First interest rate hike since June 2014 by 25 bps to 7.50% in September vs 7.75% in January Depreciation of RUB/PLN -11.2% YoY Potential sanctions due to the Skripal case, new findings about manipulations and interventions in the US and EU elections, and Nord Stream II BELARUS Initial GDP reading 3.9% in Q2 vs GDP growth 5.2% in Q NBB continues the interest rate cut policy; the reference rate was cut by another 25 bps to 10.0% in May (vs 18% in January 2017) Inflation 4.9% in September vs 4.1% in July and 4.5% in January Continued depreciation of BYN/PLN by over 11.2% YoY Financial markets deregulated with further interest rate cuts combined with elimination of the cap on deposit interest rates; signs of normalisation on the inter-bank market since August UKRAINE Initial GDP reading 2.8% in Q3, 2018 projection 3.2% Inflation 9.5% in September vs 14.1% in January, 2018 projection 11.8% Unemployment 8.3% in June Continuation of interest rate hikes initiated in September 2017 (from 12.5%); a 200 bps hike since March, currently 18%, more hikes are expected Depreciation of UAH/PLN -7.9% YoY Continued risk of adverse developments in Eastern Ukraine, in internal politics and in relation to the autocephaly Moscow announces repercussions ROMANIA GDP growth of 4.1% in Q and 4.3% in Q Inflation 4.3% in October Unemployment 4.1% in August vs 4.6% in January Central Bank started interest rate hikes in January; the rates remained at 1.75% since 2015; three cuts year to date by 75 bps in aggregate; current reference rate 2.50% ROBOR 3M at 3.47% in July (vs 0.49% in September 2016) causing turbulences in the financial market. Central Bank tried to cut the rates with money supplies, modest stabilisation observed at 3.17%-3.31% Risk of populist policies pursued by the Government FX RATES USED IN THE CONVERSION OF COMPANIES RESULTS Exchange rates 2018' '09 Y/Y RUB 0,0561 0, ,1% RUB average 0,0581 0, ,2% UAH 0,1301 0,1373-5,2% UAH average 0,1323 0,1436-7,9% BYN 1,7409 1,8678-6,8% BYN average 1,7751 1, ,2% RON 0,9157 0,9368-2,3% RON average 0,9141 0,9348-2,2% 2
3 Getin Holding Group Getin Holding stock price on GPW GH SA & IB SA na GPW GetBack SA Idea Bank Polska s wrife-offs KNF case ,00 1,50 1,00 0,50 0,00 Wolumen GTN [w tys.] Zamknięcie GTN [rebaza] Zamknięcie IDA [rebaza] Getin Holding stock price follows the stock price of Idea Bank Polska Sharp fall of Idea Bank SA s stock price in April in response to reports of the bank s investment in GetBack SA bonds Market reacting to Idea Bank Polska s wrife-offs and provisions in Q2 Another sell-out of Leszek Czarnecki s Group stock following media reports of the KNF case and the entry of Idea Bank in the list of public warnings Very strong supply from financial institutions invested in the Group s equity total value of shares from 20 August to 27 November was million Getin Holding shares equal to almost 68.4% of all shares. Market valuation of GH Group at PLN million as at 27 November 2018, book value at PLN 1,711.3 million as at 30 September 2018, P/BV = 0.07 Following a sharp fall of the Idea Bank SA stock price, as a result of the strong drop of Getin Holding s stock price, the Company was put on the alert list (the three-month average stock price was PLN 0.43). Measures taken On 21 September 2018, the Management of Getin Holding approved a merger of shares to mitigate the impact of entry into the alert list and ensure quick resumption of continuous trading in the shares. On 30 October 2018, the Extraordinary General Meeting of Getin Holding SA approved the merger of the Company s shares at a ratio of 4:1. 3
4 Getin Holding Group Structure and growth rate of the drivers of Group results in 9M 2018 mln PLN Q1-Q3'2018 Q1-Q3'2018 / Q3'2018 Q3'2017 Q3'2018 / Q3'2017 Strong improvement in the results of the Group s foreign operations net profit of foreign operations PLN 84.7 mn vs PLN 38.7 mn in 9M 2017 Increase of total assets Adverse impact of provisions and write- offs of Idea Bank Polska in Q on the results of the Getin Holding Group attributable to the shareholders of the parent entity at PLN (213.7 mn) net Reputation risk Zagranica** International 84,7 38,7 x2,2 36,0 25,4 +42,1% Rosja Russia 20,6 7,5 x2,7 12,1 4,4 x2,7 Białoruś Belarus 9,0 20,8-56,5% 5,0 6,6-24,9% Ukraina Ukraine 43,3 4,6 x9,4 15,4 10,9 +41,5% Rumunia Romania 11,7 5,9 x2,0 3,5 3,5 +2,5% MW Trade 3,5 7,0-50,9% 1,0 1,9-46,6% Getin Holding 5,0-3,4-2,5 1,6 +60,5% Idea Bank Polska -412,0 194, ,6 97,4 - Udziały Non-controlling niekontrolujące interest 185,9-92,3-14,3-45,3 - Profit and loss Q1-Q3'2018 Q1-Q3'2018 / Q3'2018 Q2'2018 Q3'2018 / Q2'2018 Interest income % % Interest expense % % Net interest income % % Net fee and commission income Other operating income and expense Net operating income % Overhead costs % % Provision % % Share in result of cons. units of equity method x Profit before income tax Income tax % Net profit (loss) % Non-controlling interest % Net profit attributable to equity holders of the Co excluding one off's*** % * attributable to the shareholders of the parent entity of the Getin Holding Group, net of one-offs ** net of consolidation adjustments at Getin Holding Group level *** One-off included in Q results: provisions and write-offs in the consolidated and separate financial statements of Idea Bank Polska totalling PLN mn net, including PLN mn net attributable to the shareholders of the parent entity in Q2; one-off included in Q results: gains on the sale of Idea Leasing shares at PLN 71.2 mn attributable to the shareholders of the parent entity 4
5 Getin Holding Group Key financial parameters Net profit of the core business 1) [n] -26,8% 30,2 22,1-37,3% 13,9 Deterioration of the net profit on the core business Q/Q due to the implementation of the restructuring plan by Idea Bank Polska Group Q1'2018 Q2'2018 Q3'2018 Loans and leasing [n] +15,1% , , ,3 +4,9% , , ,8 Increase of the loan and leasing portfolio by almost 5% YoY , , ,5 Leasing Loans ) attributable to the shareholders of the parent entity of the Getin Holding Group, net of one-offs included in the profit of Q2 at IBPL Group level 5
6 Getin Holding Group Structure of the Group 54.43% POLAND 51.27% RUSSIA 100% 32.92% BELARUS 67.08% 99.59% UKRAINE 100% ROMANIA 100% As at 30 September 2018; the figure presents the interest of Getin Holding in the equity of the parent company in each country 6
7 :: RUSSIA Growing sales / portfolio recovery Rosja Profit and loss Q1-Q3'2018 Q1-Q3'2018 / RUB m Q1-Q3'2018 Q1-Q3'2018 / Interest income % % Interest expense % % Net interest income % % Net fee and commission income % % Other operating income and expense % % Net operating income % % Overhead costs % % Provision % % Share in result of cons. units of equity method % % Profit before income tax x x2.9 Income tax x x2.6 Net profit (loss), including: x x3.1 Balance sheet / RUB m / Cash and balances in the Central Bank % % Amounts due from banks % % Net investments in financial lease % % Intangible assets % % Tangible fixed assets x x2.9 Other assets % % Total Assets % % Amounts due to banks % % Debt securities in issue % % Other liabilities % % Equity % % Total liabilities and equity % % Russia: Carcade Group, ASF, consolidation adjustments RUSSIA Performance indicators Q1-Q3'2018 NIM 7,7% 7,9% COR 1,1% 4,4% COF 11,8% 14,1% ROE 14,1% 4,9% ROA 3,1% 1,2% C/I 69,1% 66,8% Sharp increase of sales by 61.2% YoY in 9M Russia reported positive net profit of RUB mn, x3.1 YoY Total assets up by 25.0% YoY to nearly RUB 16.6 bn NFC and NII in RUB up by 11.6% and 6.4% YoY Operating expenses in RUB increased, mainly driven by business expansion: sales network expansion headcount increase by 18.3% YoY (mainly in sales) LLPs in RUB down by 70.7% YoY thanks to continued improvement of portfolio quality Fitch rating B+, outlook stable Strong depreciation of RUB Carcade paid Getin Holding a dividend of PLN 5.3 mn (as at 30 September 2018) Leasing receivables [RUB mn] 9 990, ,8 +35,5% , , Net operating income [RUB mn] 1 392,4 +18,0% 1 643,
8 ::IdeaBank Group BELARUS Steady business growth in a difficult environement BELARUS Consolidated data Profit and loss Q1-Q3'2018 Q1-Q3'2018 / BYN m Q1-Q3'2018 Q1-Q3'2018 / Interest income % % Interest expense % % Net interest income % % Net fee and commission income % % Other operating income and expense % % Net operating income % % Overhead costs % % Provision Profit before income tax % % Income tax % % Net profit (loss) % % Balance sheet / BYN m / Cash and balances in the Central Bank % % Amounts due from banks % % Amounts due from clients % % Tangible fixed assets % % Other assets % % Total Assets % % Amounts due to banks % % Deposits % % Other liabilities % % Equity % % Total liabilities and equity % % 77,6 Performance indicators Q1-Q3'2018 NIM 7,2% 11,1% COR 0,7% -1,6% COF 6,1% 7,0% ROE 8,7% 17,4% Net profit [BYN mn] ROA 1,8% 4,3% C/I 75,2% 70,2% 0,7 x2,5 Loans up by 40.2% YoY, deposits up by 48.2% YoY (in BYN). NFC up by 18.7% YoY (in BYN). Net profit in 9M 2018 at BYN 5.1 mn vs BYN 10.4 mn in 9M 2017; marked improvement in Q3 NII in BYN down by 20.9% due to further rate cuts imposed by the regulator from 18% in January 2017 to 10.0% now NIM = 7.2% vs 11.1% in 9M 2017 Implementation of IFRS 9 impacted Q results by BYN (1.2 mn) Implementation of the digitisation project: strong focus on online sales The Bank paid Getin Holding a dividend of PLN 2.9 mn 1,6 +69,5% 2,8 Sales [BYN mn] -29,8% +4,6% 54,5 57,0 Idea Bank Group Belarus: Idea Bank, Idea Finance, Idea Broker, consolidation adjustments Q1'2018 Q2'2018 Q3'2018 Q1'2018 Q2'2018 Q3'2018 8
9 :: UKRAINE Superior profitability of the bank :: UKRAINE Profit and loss Q1-Q3'2018 Q1-Q3'2018 / Performance indicators Q1-Q3'2018 NIM 29,3% 19,5% COR 13,1% 13,8% COF 11,7% 13,6% ROE 93,1% 12,5% ROA 11,2% 1,2% C/I 34,4% 43,8% UAH m Q1-Q3'2018 Q1-Q3'2018 / Interest income % % Interest expense % % Net interest income % % Net fee and commission income x x2.2 Other operating income and expense Net operating income % % Overhead costs % % Provision % % Profit before income tax x x9.8 Income tax x x8.0 Net profit (loss) x x10.3 Balance sheet / UAH m / Cash and balances in the Central Bank % % Amounts due from banks % % Amounts due from clients % % Financial instruments % % Tangible fixed assets % % Other assets % % Total Assets % % Amounts due to banks % % Deposits % % Debt securities in issue % % Other liabilities % % Equity % % Total liabilities and equity % % Net profit [UAH mn] 89,3 Net profit of Ukraine at UAH mn in 9M 2018 vs UAH 31.9 mn in 9M 2017 The profit of the segment includes: Net profit of the Bank at UAH mn vs UAH mn Net profit of NFS Group at UAH mn vs UAH (205.5 mn) Operating income in UAH up by 88.7% YoY Costs under control: C/I = 34.4% vs 43.8% in 9M 2017 Loan portfolio in UAH up by 14.8% YoY Results of the strongly driven by FX income of UAH 23 mn including UAH 14.3 mn at NFS Group level Sales network expansion approaching completion: the project will open 200 new points of sale across the country In 9M 2018, NFS repaid PLN 11.3 mnof loans granted by NFS last year +35,8% -3,6% 121,3 116,8 Q1'2018 Q2'2018 Q3'2018 Sales [UAH mn] 775,9 +12,6% -3,2% 873,8 845,5 Q1'2018 Q2'2018 Q3'2018 9
10 :: ROMANIA Growing sales and customer base :: ROMANIA Consolidated data Profit and loss Q1-Q3'2018 Q1-Q3'2018 / Interest income % Interest expense % Net interest income % Net fee and commission income % Other operating income and expense % Net operating income % Overhead costs % Provision % Profit before income tax % Income tax % Net profit (loss) x2.0 Balance sheet / Cash and balances in the Central Bank % Amounts due from banks % Amounts due from clients % Net investments in financial lease % Financial instruments % Intangible assets % Tangible fixed assets % Other assets % Total Assets % Amounts due to banks % Deposits % Debt securities in issue % Other liabilities % Equity % Total liabilities and equity % Romania: Idea Bank, Idea Leasing Group, other companies and consolidation adjustments sales up by 10.2% YoY to RON mn including: bank s sales at RON mn, up by 11.2% YoY leasing company s sales at RON mn, up by 9.2% YoY NII up by 30.5%, NFC down by 5.2% in PLN (customer acquisition wars) Net profit at PLN 11.7 mn in 9M 2018 vs PLN 5.9 mn in 9M 2017 Loan portfolio up by 9.9%, leasing portfolio up by 12.0% Deposits up by 14.0% s total assets up by 10.7% Digitisation, sales network expansion: the Bank pursues a project of digitisation and development of mobile sales channels in order to provide more products and services online. At the same time, the Bank is optimising the sales network by introducing a new branch format and opening new points of sale in order to enhance accessibility for customers Performance indicators Q1-Q3'2018 NIM 3,5% 2,9% COR 1,3% 0,7% COF 1,9% 1,8% ROE 10,1% 5,8% ROA 0,8% 0,4% C/I 68,9% 79,9% 10
11 Idea::Bank Group ROMANIA Growing sales and customer acquisition wars ROMANIA Profit and loss Q1-Q3'2018 Q1-Q3'2018 / Interest income % Interest expense % Net interest income % Net fee and commission income % Other operating income and expense % Net operating income % Overhead costs % Provision % Profit before income tax % Income tax % Net profit (loss) % Balance sheet / Cash and balances in the Central Bank % Amounts due from banks % Amounts due from clients % Financial instruments % Intangible assets % Tangible fixed assets % Other assets % Total Assets % Amounts due to banks % Deposits % Debt securities in issue % Other liabilities % Equity % Total liabilities and equity % Net profit [mln PLN] x3,5 0,8 Net profit grew 49.8% to PLN 6.2 mn in 9M 2018 vs PLN 4.2 mn in 9M 2017 Loans up by 13.6% NII up by 33.6% NFC down mainly due to strong competition pressure and customer acquisition wars New lending up by 8.7% YoY to PLN mn Costs under control NIM at 3.3% Risk under control: COR = 1.3% 2,6 +9,0% 2,9 Q1'2018 Q2'2018 Q3'2018 Loan portfolio [n] 904,1 +15,1% 1 040,5 +14,7% 1 193, Idea Bank Group Romania: Idea Bank, Idea Leasing, other companies and consolidation adjustments 11
12 Idea::Leasing Group ROMANIA Steady growth of leasing ROMANIA Profit and loss Q1-Q3'2018 Q1-Q3'2018 / Interest income % Interest expense % Net interest income % Net fee and commission income % Other operating income and expense % Net operating income % Overhead costs % Provision % Profit before income tax % Income tax x2.7 Net profit (loss) % Balance sheet / Amounts due from banks % Amounts due from clients % Net investments in financial lease % Intangible assets % Tangible fixed assets % Other assets % Total Assets % Amounts due to banks % Other liabilities % Equity % Total liabilities and equity % Net profit up by 24% to PLN 4.7 mn in 9M 2018 vs PLN 3.8 mn in 9M 2017 Sales at RON mn, up by 9.2% YoY NFC up by 26.6% YoY NII up by 10.5% YoY NIM at 3.0% Risk under control: COR in leasing at 1.1% New product development Leasing [n] +1,5% 307,4 312, NFC [n] 9,4 +26,6% 11,9 Q1-Q3'2018 Idea Leasing Group Romania: Idea Leasing, Idea Broker and consolidation adjustments 12
13 Getin Holding Group Evolution of the net profit on foreign operations Net profit on foreign operations [n] * +41,5% -39,8% +58,0% 30,4 27,7 39,2 3,5 24,6 0,2 14,8 19,2 5,7 3,5 18,6 2,2 13,8 13,2 16,9 5,0 2,5 7,3 2,9 10,7 6,6 7,5 12,1 6,7 7,9 1,1 4,4 0,8 0,6 2,3 Q1'2017 Q1'2018 Q2'2017 Q2'2018 Q3'2017 Q3'2018 Romania Ukraine Idea Bank Belarus Carcade Russia * Net of one-offs at NFS Group level in Ukraine (NPL portfolio write-off, cost of the GH loan, FX income) 13
14 ::IdeaBank Group POLAND Results under pressure of the restructuring programme POLAND Profit and loss Q1-Q3'2018 Q1-Q3'2018 / Net interest income % Net fee and commission income Other operating income and expense Net operating income % Overhead costs % Provision % Share in result of cons. units of equity method x2.6 Profit before income tax Income tax Net profit (loss) Balance sheet / Cash and balances in the Central Bank x4.9 Amounts due from banks % Amounts due from clients % Net investments in financial lease x2.4 Financial instruments % Intangible assets % Tangible fixed assets % Other assets % Total Assets % Amounts due to banks % Deposits % Debt securities in issue % Other liabilities % Equity % Total liabilities and equity % Loans, leasing, and deposits [PLN bn] 16,7 17,3 +4,3% +11,5% 17,4 19, Loans & Leasing Deposits The Bank is working to modify its business model, as announced in September 2018, including changes to the scale and structure of sales of loans and investment products After a phase of aggressive growth over the years, the Bank is entering a phase of sustainable growth based on a relational business model The Bank focuses on a robust balance sheet and an increase of recurrent revenue subject to low volatility The scale of business is being aligned with the Bank s capital capacity and its cost base is being reduced in order to improve the capital ratios Along with the modification of the business model, the Management Board s priority is to strengthen the Bank s capital position On-going consideration of a potential merger with Getin Nobel Bank Idea Bank Group Poland: Idea Bank, Idea Getin Leasing Group, Tax Care, Idea Money, other companies and consolidation adjustments 14
15 Getin Holding Group Annex 1: Profit and Loss Account for 9M 2018 Q1-Q3'2018 n Idea Bank Poland Group Russia Belarus Ukraine Romania MW Trade Interest income Interest expense Net interest income Net fee and commission income Other operating income and expense Net operating income Overhead costs Provision Share in result of cons. units of equity method Profit before income tax Income tax Net profit (loss) Non-controlling interest Net profit attributable to equity holders of the Co Getin Holding Cons. adj. Getin Holding Group Russia: Carcade Group, ASF, consolidation adjustments Ukraine: Idea Bank Ukraine, Idea Leasing Ukraine, Gwarant Legal Support, New Finance Service Group and consolidation adjustments Belarus: Idea Bank Belarus, Idea Broker, Idea Finance, consolidation adjustments Romania: Idea Bank Romania, Idea Leasing Romania, other companies and consolidation adjustments 15
16 Getin Holding Group Annex 1: Profit and Loss Account for Q Q3'2018 Idea Bank Poland Group Russia Belarus Ukraine Romania MW Trade Interest income Interest expense Net interest income Net fee and commission income Other operating income and expense Net operating income Overhead costs Provision Share in result of cons. units of equity method Profit before income tax Income tax Profit (loss) from continuing operations Profit (loss) from discontinued operations Net profit (loss) Non-controlling interest 14.3 Net profit attributable to equity holders of the Co Getin Holding Cons. adj. Getin Holding Group Russia: Carcade Group, ASF, consolidation adjustments Ukraine: Idea Bank Ukraine, Idea Leasing Ukraine, Gwarant Legal Support, New Finance Service Group and consolidation adjustments Belarus: Idea Bank Belarus, Idea Broker, Idea Finance, consolidation adjustments Romania: Idea Bank Romania, Idea Leasing Romania, other companies and consolidation adjustments 16
17 Getin Holding Group Annex 2: Balance sheet as at 30 September Idea Bank Poland Group Russia Belarus Ukraine Romania MW Trade Cash and amounts due from Central Bank Amounts due from banks and financial institutions Derivative financial instruments Financial assets at fair value through profit or loss Amounts due from clients Net investments in financial lease Other loans and receivables Financial instruments Investments in associates Intangible assets Tangible fixed assets Investment property Tax assets Other assets Total Assets Amounts due to banks and other commercial institutions Other financial liabilities at fair value through profit or loss Amounts due to customers Debt securities in issue Other liabilities Total liabilities Equity Total liabilities and equity Getin Holding Cons. adj. Getin Holding Group Russia: Carcade Group, ASF, consolidation adjustments Ukraine: Idea Bank Ukraine, Idea Leasing Ukraine, Gwarant Legal Support, New Finance Service Group and consolidation adjustments Belarus: Idea Bank Belarus, Idea Broker, Idea Finance, consolidation adjustments Romania: Idea Bank Romania, Idea Leasing Romania, other companies and consolidation adjustments 17
18 Getin Holding Group Disclaimer This presentation ( Presentation ) has been prepared by Getin Holding S.A. (the Company ) only for information purposes and may not, in any event, be considered or interpreted as an offer and/or a recommendation to enter into any transaction. In particular, it may not be considered or interpreted as an offer to acquire any securities or as an offer, invitation or incentive to make any acquisition offer, to make any investment or carry out any transaction involving such securities, nor may it be considered or interpreted as a recommendation to enter into any transaction, particularly any transaction involving the securities in the Company or any of its subsidiaries, in the United States of America or in any other jurisdiction. Although the information contained in this Presentation is based on generally available and reliable sources, the Company cannot guarantee that this information is full and complete. The Company takes no responsibility for the consequences of any decisions based on any information contained in this Presentation. The information contained in this Presentation has never been subject to independent verification and may at any time be subject to change or modification. The Company is not required to publicly disclose any possible modification or change to any information, data or statement contained in this Presentation if the Company changes its strategy or intentions or if any unforeseen events or circumstances occur that affect the Company s strategy and/or intentions. No information contained in this Presentation may, by any means, by considered or interpreted as a forecast or any express or implied representation or warranty whatsoever made by the Company or any person acting on behalf of the Company. In addition, neither the Company nor any person acting on its behalf shall be liable, in any way whatsoever, for any loss or damage that may be caused as a result of negligence or otherwise in connection with the use of this Presentation or any information contained in it, or for any damage that might otherwise arise in connection with any information contained in this Presentation. The publication by the Company of the data contained in this Presentation is not a breach of the regulations applicable to companies whose shares are traded on a regulated market, particularly on a regulated market of the Warsaw Stock Exchange (Giełda Papiero w Wartościowych w Warszawie S.A.). The information provided in this Presentation has already been disclosed in current or periodic reports published by the Company or constitutes an addition to those reports, and its publication does not require the Company to fulfil the obligation to provide information as imposed on the Company as a public company. Please note that the only reliable source of information on the situation of the Company, its forecasts, events regarding the Company, its financial results and indicators are the current and periodic reports published by the Company in performing its information obligations. The financial and sales figures contained in this Presentation have been rounded off to illion and to one decimal place. *** 18
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