Investor Presentaiton
*) provisional figures due to the relaxation on financial
institutions' report to OJK because of Covid-19
Source: Financial Services Authority (OJK)
3
2
1
Jan-19
Apr-19
Jul-19
4
Oct-19
%
Jan-20
Apr-20
Jul20
Oct-20
NPL Net
■NPL Gross
Banking Risk Profile and Profitability
The banking industry has ample liquidity, robust capitalization, and manageable credit risk. Profitability is consistently
maintained at a steady level.
The banking NPL ratio continued to further decline to 2.59% gross and
0.76% net as of January 2023, significantly below the threshold.
The Capital Adequacy Ratio (CAR) of the banking sector was steadily high with
a value of 25.93% and Tier-1 capital stood at 25.40% as of January 2023.*)
Jan-21
Apr-21
Jul21
Oct-21
Jan-22
Apr-22
Jul22
Oct-22
Jan-23
0,76
2,59
20
10
15-
%
25
CAR
Liquid Assets to Non-Core Deposits and Liquid Assets to Third-Party Funds
(Total Deposits) remained well above the thresholds. *)
The banking industry's Net Interest Margin and Return on Assets
remained steady at 4.89% and 3.02%, respectively, as of January 2023.
%
180
160
140
12 0
Liquid Assets/Non-Core Deposit (LA/NCD)
Liquid Assets/Third-Party Fund (LA/TPF) (rhs)
29,13
30
129,64 20
40
~ W№
6
4
2
threshold LA/TPF (rhs) = 10%
10
10
100
80
60
threshold LA/ NCD= 50%
40
Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Oct-20 Jan-21 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 Jan-23
0
Jan-19
Net Interest Margin
Apr-19
Jul-19
Oct-19
Jan-20
Apr-20
Jul-20
Oct-20
Net Open Position was maintained well below the maximum limit of 20%
and stood at 1.51% in January 2023.
%
5
1
dis 4 3 2 -O
Jan-19
Apr 19.
Jul-19
Oct-19-
Jan-20
Apr-20
Jul-20
Oct-20
1,51
%
Jan-21
Apr-21
Jul-21
Oct-21
Jan-22
Return on Assets
4,89
Apr-22
Jul22
Oct-22
Jan-23
3,02
Tier 1
25.93
25,40
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