Investor Presentaiton
LAR stood at 7.6%, a consistent improvement
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Loan Quality & Restructured Loans (Rp tn) - Bank Only
Restru. Loans - Coll.1 - Bank Only
Rp trillion
Dec-22 Sep-23 ΔΥΟΥ AYtD AQOQ
Restru. Coll 1
66.3%
Total Loans by Collectability (bank only):
66.0%
to Total LAR
Current
667.7
711.1 11.8% 6.5% 4.3%
Special Mention
11.6
17.6 45.8%
51.4% -9.4%
51.2
NPL
11.8
15.2 6.0%
28.6% 12.6%
46.0
47.0%
Consumer
24.1%
Total Loans
691.1
743.8 12.2% 7.6% 4.1%
24.5%
42.4%
Restructured Loans (bank only):
Cov. Ratio
SME 10.0%
10.2%
Current
46.0
24.1 -52.9% -47.5% -17.1%
32%
29.1
Commercial 25.5%
16.6%
24.1
Special Mention
6.8
8.1 17.9% 19.2% -17.7%
47%
26.3%
10.1%
15.7%
NPL
9.5
12.1 12.9% 27.6% 10.3%
71%
10.8%
23.5%
27.4%
46%
Total Restruct. Loans
62.2
44.3 -35.6% -28.8% -11.2%
Corporate 40.4%
39.0%
49.8%
Total LAR
69.4
56.9 -26.7% -18.0% -8.2%
46.1%
% LAR / Loans
10.0%
7.6% -4.1% -2.4% -1.0%
Analyst Meeting 9M-23
Sep-22
Dec-22
Jun-23
Sep-23
PT Bank Central Asia Tbk 15View entire presentation