Investor Presentaiton
Banking Industry
Loan outstanding increased by +11.3% YoY in Nov 22. Customer Deposits in Nov'22
recorded growth of 8.9% YoY
Indonesia Banking Industry Financial Summary
Loan and Deposit YoY growth
bank
A MEMBER OF
SMBC Group
btpn'
IDR trillion
Nov'21
Dec' 21
Nov'22
ΔΥΟΥ
11.6%
Deposit (YoY)
10.4%
11.3%
Total Assets
9,914
10,112
10,875
9.7%
8.9%
Total Loans
5,705
5,769
6,347
11.3%
Customer Deposits
7,323
Loan (YoY)
4.7%
7,479
7,974
8.9%
-1.4%
CASA
4,432
4,576
4,999
12.8%
Nov 20
Nov'21
Sep'22
Current Accounts
2,077
2,144
2,454
18.2%
Savings
2,355
2,432
2,545
8.1%
NIM & NPL
Time Deposits
2,891
2,904
2,975
2.9%
4.4%
NIM (YOY)
4.7%
4.6%
Net Profit
130
140
188
43.8%
LDR
78.3%
77.5%
79.6%
1.3%
2.7%
3.2%
3.2%
NIM
4.6%
4.6%
4.7%
0.1%
NPL (YoY)
NPL
3.2%
3.0%
2.7%
-0.5%
CAR
25.6%
25.7%
25.5%
-0.1%
Nov'20
Nov'21
Nov'22
Source: Indonesian Banking Statistics - November 2022, Indonesia Financial Services Authority (OJK)View entire presentation