Investor Presentaiton
Asset Quality
pank
btpn
A MEMBER OF
SMBC Group
Asset Quality
%
Gross NPL Composition by Segment
2.28
2.00
2.18
Dec-21
Sep-22
Dec-22
0.2%
0.6%
1%
Rp trillion
2.08
10
170
11%
14%
12%
15%
Gross NPL
1.68
1.41
1.43
11%
1%
13%
14%
9%
1%
8%
8%
Net NPL
0.37
0.38
0.44
29%
30%
Gross Cost of Credit
1.58
1.20
1.26
29%
28%
0.2%
10%
0.3%
0.3%
9%
0.2%
Loan Loss Provision/NPL
173.46
181.01
172.75
8%
38%
32%
29%
30%
Loan by Collectability (% of Total Loan)
Dec'22
■Others
Dec'21
Jun'22
Sep'22
Corporate
Retail Lending
■Micro
SME
Cons Finance
Commercial
BTPN Syariah
Sep-22
Dec-22
NPL
1.41%
Spc
Mention
NPL
1.43%
3.73%
IDR145.5T
Current
Loan
94.84%
Dec-21
Jun-22
Spc
Mention
NPL
1.68%
5.58%
IDR135.6T
Current
Loan
Spc
Mention
4.20%
NPL
Spc
Mention
1.35%
3.92%
IDR149.3T
IDR154.8T
Current
Loan
Current
Loan
92.74%
Note: NPL calculation in 2022 using total loan exclude loan to bank
94.45%
94.67%View entire presentation