Investor Presentaiton
NIM at 4.4% with Diversified Sources of Non-Interest Income
Net Interest Income & Net Interest Margin (NIM)
Rp billion, %
4.0%
> OCBC
Net Interest
Margin
Net Interest
Margin
4.4%
4.4% 4.4%
4.4%
4.3%
4.3%
13.4%
9,911
8,741
FY22 FY23
2,455 2,452 2,444 2,486 2,529
IIIII
4Q22 1Q23 2Q23 3Q23 4Q23
3.0%
1.8%
Non-Interest Income by Type
% Composition
31 December
Credit Related
2023: 31%
2022: 20%
Trade Finance
2023: 11%
2022: 9%
Bancassurance
2023: 16%
2022: 11%
2023: Rp1,402 billion
2022: Rp 1,863 billion
Others 1)
2023: 9%
2022: 26%
Deposit
Administration
2023:5%
2022: 4%
Mutual Funds
2023: 5%
2022: 5%
Gain from Sale of
Marketable Securities
2023: 23%
2022: 25%
Note:
1) Includes Remittance, E-Channel, Gain/loss of Foreign Exchange, and Other fees.
6View entire presentation