Investor Presentaiton
Source: OJK
170
160
150
140
130
120
110
100
Jan-19
1
2
The banking NPL ratios were manageable in October 2023, recorded at
2.42% gross and 0.77% net, significantly below the threshold.
%
NPL Net
NPL Gross
4
3
Banking Risk Profile and Profitability
The banking industry has ample liquidity, robust capitalization, and manageable credit risk. Profitability is
maintained at a steady level.
Liquid Assets to Non-Core Deposits
Liquid Assets to Non-Core Deposits and Liquid Assets to Third-Party Funds
(Total Deposits) remained well above the thresholds.
threshold LA/ NCD= 50%
Jan-19
Apr19
Jul-19-
Oct-19-
Jan-20
Apr-201
Jul-20
Oct-201
5432-0
Feb-20
May-20
Jan-21-
%
Apr-21
Jul-21-
Liquid Assets to Deposits (rhs)
%
°/
26,36
30 4
20
117,29
2
threshold LA to Deposit (rhs) = 10%
10
Oct-21-
Jan-22
Apr-22
Jul-22-
0
2,42 20
15
0,77
Net Open Position was maintained well below the maximum limit of 20%
and stood at 1.92% in October 2023.
Aug-22
Nov-22
Feb-23
May-23
Aug-23
1,92
10
%
25
CAR
The banking sector's Capital Adequacy Ratio (CAR) was steady with a
value of 27.48% and Tier-1 capital stood at 25.77% as of October 2023.
Tier 1
The banking industry's profitability remained steady with NIM at 4.85%
and ROA at 2.73%, as of October 2023.
I Net Interest Margin
Retum on Assets
Oct-21
Jan-22
Apr-22
Jul-22
Oct-22
Jan-23
Apr-23
Jul-23
Oct-23
83
33
2,73
Oct-22
Jan-23
4,85
Apr-23
Jul-23
Oct-23
25,77
27,48View entire presentation