Investor Presentaiton
Financial Performance - Consolidated
FY'22 Key Highlights
pank
btpn'
A MEMBER OF
SMBC Group
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Total Assets increased by 9% YoY to IDR 209.2 trillion, from IDR 191.9 trillion.
• The Bank recorded IDR 146.1 trillion in outstanding loans as of Dec'22, up by 8% year-on-year (YoY) from IDR 135.6 trillion
booked a year ago, with growth business loan up by 13% (IDR 14.1 trillion), transforming business down by 13% (IDR 3.6
trillion).
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Operating income increased by 4% YoY contributed by the increase in Interest Income by 8% YoY to IDR 15.9 trillion from IDR
14.7 trillion, contributed by the increase in loan balance of BTPN Syariah and corporate segment, and higher other operating
income by 3%; while Operational Expense were well managed with increase of 3%.
⚫ Bank BTPN's consolidated net profit after tax attributable to owners of the parent entity increased by 16% YoY to IDR 3.1 trillion
from IDR 2.7 trillion, mainly contributed by the increase in operating income and the decrease in cost of credit.
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Customer Deposits increased by 5% YoY to IDR 114.9T. CASA balance increased by 6% YoY to IDR 40.2T and CASA ratio
increased to 35.0% compared to 34.6% last year.
Gross NPL was at 1.43%, lower than the gross NPL ratio reported in the same period last year of 1.68%.
Healthy liquidity and funding ratios were maintained. As end of December 2022, LCR was recorded at 229.3% and NSFR at
133.7%.View entire presentation