Financial Performance Highlights
Overview Operating Environment Financial Review Guidance
Focus remains on asset quality as the loan book increases
Non-performing Loan (NPL) Ratio
NPL Contribution by Sector (2020FY Vs. H1 2021)
4.8%
4.7%
3.8%
3.6%
2.8%
H1 2020
9M 2020
2020FY
Q1 2021
H1 2021
Coverage Ratio
0%
H1 2021
0%
4%
4%
21%
39% 30%
31%
2020FY
0%
1%
672% 7%.
0% 10%
12%
7%
6%
3%
7%
7%
3%
0%
0%
Cost of Risk
■Communication: 4% Vs 4%
■Oil & Gas: Upstream: 0% Vs 0%
■Transport: 31% Vs 21%
■Power: 0% Vs 0%
■Gen. Commerce: 12% Vs 10%
Govt.: 0% Vs 0%
■ Oil & Gas: Downstream: 7% vs 6%
■Consumer: 7% vs 7%
■Oil & Gas: Service: 2% Vs 3%
■Manufacturing: 6% Vs 7%
■Construction: 2% Vs 3%
Others: 30% Vs 39%
61.3
63.1
54.3
53.1
155.4%
45.5
1.4%
117.5%
139.3%
138.5%
1.3%
1.2%
115.8%
H1 2020
9M 2020
0.4%
0.3%
2020FY
Q1 2021
H1 2021
Coverage Ratio
H1 2020
9M 2020
2020FY
Q1 2021
H1 2021
25
25
Non-performing LoansView entire presentation