2022 State Budget and Fiscal Incentives Presentation
3
2
1
0
5
4
Jan-19
Feb-19
Mar-19
Manageable Credit Risks with Adequate Liquidity
Financial institutions are equipped with ample liquidity while credit risks are maintained at a relatively low level and remain below the
threshold...
Liquid Assets to Non-Core Deposits and Liquid Assets to
Deposits remain well-above the thresholds, following banks'
cautious appetite for lending. *)
$ In November 2021, General Insurance Investment Adequacy Ratio
improved while Life Insurance Investment Adequacy Ratio was
steadily above the threshold.
%
%
170
160
Liquid Assets to Non-Core Deposits
Liquid Assets to Deposits (rhs)
154.948
240
220
150
35
200
180
140
34.2430
160
130
120
25
140
120
110
20
100
100
90
80
15
80
threshold LA to Deposit (rhs) = 10%
60
70
10
40
60
threshold LA NCD= 50%
20
5
50
40
0
Jan-19Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Oct-20 Jan-21 Apr-21 Jul-21 Oct-21
ווו
Banking NPL ratios remained stable from the past 2 months and
still below the threshold at 3.19% gross and 0.98% net as of
November 2021.
Jan-19
0
%
Apr-19
May-19
Jun-19
Jul-19
Aug-19.
Sep-19
NPL Net
Oct-19
Nov-19
Dec-19
Jan-20
Feb-20
Mar-20
Apr-20
May-20
Jun-20
Jul-20
Aug-20
Life Insurance
General Insurance
threshold Investment Adequacy Ratio= 100%
May-19
Mar-19
Jul-19
Jan-21
- Nov-20
Sep-20
Jul-20
May-20
Mar-20
Jan-20
-Nov-19
-Sep-19
- Mar-21
Nov-21
Sep-21
Jul-21
-May-21
%
NPF of multi-finance companies remained below the 5% threshold
and recorded at 3.92% as of November 2021. *)
■NPL Gross
6
5
3.19
4
3
0.98
2 -
Sep-20
Oct-20
Nov-20
Dec-20
Jan-21
Feb-21
Mar-21
Apr-21
May-21
Jun-21
Jul-21
Aug-21
Sep-21
Oct-21
Nov-21
1
Source: Financial Service Authority (OJK) *) provisional figures due to the relaxation on financial institutions' report to OJK because of Covid-19
0
Jan-19 May-19 Sep-19 Jan-20 May-20 Sep-20 Jan-21 May-21 Sep-21
3.92
170
198.47
105.5View entire presentation