Investor Presentaiton
CIMB Niaga Earnings Summary
CIMB NIAGA
(IDR 'bil)
4Q21
3Q21
Q-o-Q
FY21
FY20
Y-o-Y
Net interest income
3,201
3,350
(4.5%)
13,089
12,471
5.0%
Non interest income
1,042
948
9.9%
4,479
3,888
15.2%
Operating income
4,242
4,298
(1.3%)
17,568
16,359
7.4%
Overhead expenses*
(2,029)
(2,001)
1.4%
(8,060)
(8,007)
0.7%
PPOP*
2,213
2,297
(3.6%)
(9,507)
8,351
13.8%
Provisions
(1,067)
(948)
12.5%
(4,170)
(5,404)
(22.8%)
PBT*
1,147
1,349
(15.0%)
5,338
2,947
81.1%
Net Profit
*
992
1,059
(6.3%)
4,215
2,012
109.4%
PBT (Reported)
1,093
1,297
(15.7%)
5,191
2,947
76.1%
Net Profit (Reported)
950
1,018
(6.7%)
4,100
2,012
103.8%
EPS (Reported)
38.10
40.84
(6.7%)
164.48
80.72
103.8%
PBT (RM 'mil)
338
396
(14.6%)
1,548
853
81.5%
Net profit (RM 'mil)
295
314
(6.1%)
1,231
582
111.5%
ROE (Annualised)
9.7%
10.6%
(90bps)
10.7%
5.3%
540bps
Notes: As per CIMB Niaga 4Q21 Analyst Presentation
* Exclude exceptional items
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