Investor Presentaiton
CIMB Niaga Earnings Summary
CIMB NIAGA
(IDR 'bil)
2Q23
1Q23
Q-o-Q
1H23
1H22
Y-o-Y
Net interest income
3,427
3.408
0.6%
6,835
6,538
4.5%
Non interest income
1,608
1.576
2.0%
3,184
3,045
4.6%
Operating income
5,035
4,984
1.0%
10,019
9,583
4.5%
Overhead expenses*
(2,119)
(2,219)
(4.5%)
(4,337)
(4,182)
3.7%
PPOP*
2,916
2,765
5.5%
5,682
5,401
5.2%
Provisions
(780)
(749)
4.1%
(1,530)
(2,100)
(27.1%)
PBT*
2,136
2,016
6.0%
4,152
3,301
25.8%
Net Profit
*
1,652
1,581
4.5%
3,233
2,534
27.6%
EPS (Reported)
66.25
63.42
4.5%
129.67
101.65
27.6%
PBT (RM 'mil)
649
581
11.7%
1,230
976
26.0%
Net profit (RM 'mil)
502
456
10.1%
958
749
27.9%
ROE (Annualised)
15.8%
15.1%
70bps
15.4%
12.8%
260bps
Notes: As per CIMB Niaga 2Q 23 Analyst Presentation
* Exclude exceptional items
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