Investor Presentaiton
Jan-...
Apr-...
Jul-19
Oct-...
Manageable Credit Risks with Ample Liquidity
Jul-20
Liquid Assets to Non-Core Deposits and Liquid Assets to Third-Party Funds
(Total Deposits) remained well above the thresholds, following banks'
cautious appetite for lending. *)
The banking industry is equipped with ample liquidity, strong capitalization, and a manageable credit risk maintained below the threshold. Profitability is
also recorded at a steady level.
4
° 5 + 3210
%
The banking NPL ratio continued to improve with the value below the
threshold at 2.9% gross and 0.82% net as of July 2022.
NPL Net
■NPL Gross
2.9
22
25
20
0.82
15
A
The Capital Adequacy Ratio (CAR) of the banking sector was steadily high with
a value of 24.92% and Tier-1 capital stood at 23.33% as of July 2022.*)
CAR
Tier 1
24.92
23.33
Jan-...
Apr-...
Jul-22
%
6
%
Liquid Assets to Non-Core Deposits
Liquid Assets to Deposits (rhs)
%
180
40
4-
160
140
120
100
80
60-
40
threshold LA/ NCD=50%
27.92
30
2
124.45
20
threshold LA to Deposit (rhs) = 10%
0
10
0
Jan-19Apr-19Jul-190ct-19Jan-20Apr-20Jul-200ct-20Jan-21Apr-21Jul-210ct-21Jan-22Apr-22Jul-22
*) provisional figures due to the relaxation on financial institutions'
report to OJK because of Covid-19
Source: Financial Service Authority (OJK)
TT
243210
Jan-19
-
10
Jan-19
Net Interest Margin
Net Interest Margin and Return on Assets of the banking industry remained
stable at 4.72% and 2.37%, respectively, in July 2022.
Return on Assets
Net Open Position was maintained well below the 20% limit, recorded at
1.72% in July 2022.
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
Jul-22
1.72
103
4.72
2.37View entire presentation