Investor Presentaiton
15%
10%
5%
0%
-5%
-10%
Jan-19
Apr-19
Jul-19
Oct-19
Jan-20
20%
Source: OJK
Source: Financial Services Authority (UJK)
Apr-20
Jul-20
14%
12%
10%
8%
6%
4%
2%
0%
-2%
-4%
-6%
Jan-19
Jul-19
Apr-19
Oct-19
Jan-20
Apr-20
Jul-20
LOAN
In October 2023, bank loans and third-party funds (total deposits)
grew by 8.99% (yoy) and 3.43% (yoy), respectively.
Loan
Third-Party Fund (Deposits)
Banking Intermediation
Despite the challenging global economic environment, Bank loans and Third-Party Funds grew modestly,
driven by investment and consumption loans.
Oct-20
Jan-21
Apr-21
Jul-21
Oct-21
Jan-22
Apr-22
Jul-22
Oct-22
Jan-23
Apr-23
Jul-23
Oct-23
Loan growth by segmentation continued to improve in October 2023,
with major contribution from Consumption Loans, which recorded
9.28% (yoy) growth.
MSMEs
Consumption
Oct-20
Jan-21
Apr-21
Corporation -
Total
30%
9.28%
8.99% 20%
8.61%
8.36%
10%
Jul-21
Oct-21
Jan-22
Apr-22
Jul-22
Oct-22
Jan-23
Apr-23
Jul-23
Oct-23
-10%
0%
Jan-19
Apr-19
LOAN
20%
15%
8.99%
10%
5%
3.43%
0%
de à de
5%
-10%
Jan-19
Apr-19
Jul-19
Oct-19
Jan-20
Apr-20
Jul-20
Oct-20
Jan-21
Apr-21
Working Capital
Consumption
All types of loans maintained their positive trend in October 2023,
with Investment Loans, in particular, grew by 10.22% (yoy).
Jul-21
Oct-21
Jan-22
Apr-22
Jul-22
Oct-22
Jan-23
Investment
Total Loan
10.22%
9.28%
8.99%
Third-Party Funds (Total Deposits) grew at a slower rate in October
2023, driven by increased household consumption particularly in
Term Deposits, which increased by 5.66% (yoy).
Term Deposits
Demand Deposits
ми
Savings
Third-Party Fund (Deposits)
5.66%
3-43%
2.62%
Jul-19
Oct-19
Jan-20
Apr-20
Jul-20
Oct-20
Jan-21
Apr-21
Jul-21
Oct-21
Jan-22
Apr-22
Jul-22
Oct-22
Jan-23
Apr-23
Jul-23
Oct-23
82
88
1.64%
Apr-23
Jul-23
Oct-23
8.10%View entire presentation