Investor Presentaiton
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Multi-finance Companies
109
The performance of multi-finance companies continues to improve, as shown by growing financing, a manageable Non-
Performing Financing (NPF) ratio, and a stable gearing ratio.
In January 2023, net financing increased to IDR420.60 Tn and
continued its positive growth at 14.57% yoy.
IDR tn
Net Financing
500
400
300
Growth (rhs)
YOY
14,57% 15%
10
6
10%
420,6
5
5%
4
0%
200
3
-5%
2
100-
-10%
-15%
1
Jan-19
Apr-19
Jul-19
Oct-19
Jan-20
Apr-20
Jul-20
Oct-20
Jan-21
Apr-21
Jul-21
Oct-21
Jan-22
Apr-22
The gearing ratio of multi-finance companies stayed below the
threshold and stood at 2.03 times in January 2023.
*) provisional figures due to the relaxation on financial institutions' report to OJK because of Covid-19
Source: Financial Services Authority (OJK)
Jul22
Oct-22
Jan-23
2,03
200
150
о
50
100
250
Jan-19
Apr-19
Jul-19
Oct-19
-20%
IDR Trillion
Jan-20
Apr-20
Jan-19
Apr-19
Jul-19
Oct-19
%
Jan-20
Apr-20
Jul-20
The NPF ratio of multi-finance companies improved to 2.40% in
January 2023, well below the 5% threshold.*)
Oct-20
Jan-21
Apr-21
Jul-21
Oct-21
Multi-finance companies' exposure to domestic debt foreign debt
continued its declining trend in January 2023. *)
Domestic Debt
Jul-20
Oct-20
Jan-21
Apr-21
Jul-21
Oct-21
Jan-22
Jan-22
Apr-22
Jul-22
Oct-22
Foreign Debt
195,32
58,09
Apr-22
Jul-22
Oct-22
Jan-23
Jan-23
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