Government Measures to Mitigate Covid-19 Risk
4
3
2
1
0
Jan-19
Feb-19
Mar-19
Apr-19
May-19
Jun-19
Jul-19
5
%
Aug-19
Sep-19
Oct-19
Nov-19
Dec-19
Jan-19
Feb-19
Mar-19
Apr-19
May-19
Jun-19
Jul-19
Aug-19
Sep-19-
Oct-19-
Nov-19
Dec-19
Jan-20
Manageable Credit Risks with Adequate Liquidity
%
%
%
170
160
Liquid Assets to Non-Core Deposits
Liquid Assets to Deposits (rhs)
149.38
40
240
220
35
150
200
140
30
180
130
32.31
160
120
25
140
110
120
20
100
100
90
80
threshold LA to Deposit (rhs) = 10%
15
80
60
70
10
40
60
threshold LA/ NCD= 50%
5
20
50
0
40
T
T T
0
■NPL Net
Financial Institutions are equipped with ample liquidity while credit risk is still manageable..
The ratios of liquid assets to deposit and non-core deposits remained well
above the threshold following banks' cautious appetite for lending. *)
Investment adequacy ratios in the insurance industry, both life and
general insurance, were maintained above the threshold of 100% and
remained steady in December 2020. *)
Feb-20
Mar-20
Apr-20
May-20
NPL Gross
Life Insurance
Banking NPL ratios are well-managed below the threshold, at 3.06%
gross and 0.98% net as of December 2020. *)
As economic conditions are improving, NPF of multi-finance companies
are steadily declining which is at 4% as of December 2020. *)
Apr-20
May-20
st
4
3.06
3
2
0.98
1
0
5
UT
60
Source: Financial Service Authority (OJK) *) provisional figures due to the relaxation on financial institutions' report to OJK because of Covid-19
Jan-19
Feb-19
Mar-19
Apr-19
May-19
Jun-19
Jul-19
Aug-19
Sep-19
Oct-19
Nov-19
Jan-19
Feb-19
Mar-19
Apr-19-
May-19
Jun-19
Dec-19
Jan-20
Feb-20
Mar-20
Apr-20
May-20
Jun-20
Jul-19
Aug-19-
Sep-19
Oct-19
Jul-20
Aug-20
Sep-20
Oct-20
Nov-20
Dec-20
136
General Insurance
threshold Investment Adequacy Ratio= 100%
Mar-20
4
105.7
203.3View entire presentation