Investor Presentaiton
0
3
2
1
Jan-19
Feb-19
Mar-19
Apr-19
May-19
Jun-19
Jul-19
Aug-19
Sep-19
Oct-19
Nov-19
Dec-19
Jan-20
Feb-20
Mar-20
Apr-20
May-20
170
160
150
140
130
120
110
100
90
Manageable Credit Risks with Adequate Liquidity
%
Liquid Assets to Non-Core Deposits
-Liquid Assets to Deposits (rhs)
151.20
32.95
threshold LA to Deposit (rhs)
10%
threshold LA/ NCD= 50%
CHENNA
48
240
220
35
200
180
30
160
25
140
120
20
100
80
15
60
10
40
As intermediation starts growing, liquidity across financial sector remains ample and credit risk is well-maintained.
Liquid Assets to Non-Core Deposits and Liquid Assets to
Deposits remain well-above the thresholds, following banks'
cautious appetite for lending. *)
Despite a slight change in General Insurance Investment Adequacy
Ratio, Investment Adequacy Ratios in both Industry are maintained
above the threshold.
5
4
ון
Jan-19
Feb-19
Mar-19
Apr-19
May-19
Jun-19
Jul-19-
Aug-19-
Sep-19
Oct-19
Nov-19-
Dec-19-
Jan-20
Feb-20
Mar-20
Apr-20
May-20
Jun-20
Jul-20
Aug-20
Sep-20
Oct-20
Nov-20
Dec-20
Jan-21
Feb-21
Mar-21
Apr-21
May-21
Banking NPL ratios were kept low and remained below the
threshold at 3.24% gross and 1.06% net as of June 2021.
■NPL Net
NPL Gross
Jun-21
0
%
96
3.24
4
Jan-19
Feb-19
Mar-19
Apr-19
Jul-19
May-19
Jun-19
Aug-19-
Sep-19
Oct-19-
Nov-19
Dec-19
Jan-20
Feb-20
Mar-20
Apr-20
Jul-20
May-20
Jun-20
Aug-20
Sep-20
Oct-20
Nov-20
Dec-20
Jan-21
Feb-21
Mar-21
Apr-21
May-21
Jun-21
As economic conditions are improving, NPF of multi-finance
companies is well-managed steadily below the 5% threshold and
currently at 3.9% as of April 2021. *)
3.96
Jun-20
Jul-20
Aug-20
Sep-20
Oct-20
Nov-20
Dec-20
Jan-21
Feb-21
Mar-21
Apr-21
May-21
2
1.06
1
Source: Financial Service Authority (OJK) *) provisional figures due to the relaxation on financial institutions' report to OJK because of Covid-19
Jun-21
0
Jan-19
Mar-19
May-19
Jul-19
Sep-19
Nov-19
Jan-20
Mar-20
May-20
Jul-20
Sep-20
Nov-20
Jan-21
Mar-21
May-21
Jun-21
154
Life Insurance
General Insurance
threshold Investment Adequacy Ratio= 100%
175.9
112.2View entire presentation