2022 State Budget and Fiscal Incentives Presentation
0
2
4
Jan-
Feb-
Apr-
May-
Aug-19
Sep-
10
15
20
20
Jan-19.
Feb-19
Apr-19
May-19
Jun-19
Jul-19
Aug-19
%
6
Net Interest Margin
Resilient Financial Institutions
Domestic financial institutions remain sound and stable, supported by strong capitals and leverage amidst hurdles due to the pandemic.
20
%
25
CAR of the banking sector indicated ample liquidity with a value
of 25.59% and Tier-1 capital at 23.95% as of November 2021.*)
CAR
■Tier 1
A
RBC of the insurance industry increased and stayed well above
the minimum threshold (120%) with Life Insurance RBC at 589.6%
and General Insurance RBC at 322.9% in November 2021.
Profitability of the banking industry recorded at steady level,
reflected by stable NIM and ROA at 4.51% and 1.91%
respectively in November 2021.
Sep-20
Oct-20
Nov-20
Dec-20
Jan-21
Feb-21
Mar-21
Apr-21
May-21
Jun-21
Jul-21
Return on Assets
%
4
4.51
3
2
1.91
1
>>
25.59
Life Insurance (Lhs)
General Insurance (rhs) 322.9
900
400
23.95
800
350
700
300
600
250
500
589.6
200
400
300
threshold Insurance RBC (rhs)= 120%|
150
100
200
threshold Insurance RBC (Lhs) = 120%
100
50
0
0
Source: Financial Service Authority (OJK) *) provisional figures due to the relaxation on financial institutions' report to OJK because of Covid-19
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
Gearing ratio of multi-finance companies slightly decreased but
remained below the threshold with a ratio of 1.91 times in Nov 2021.
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
Jun-21
Jul-21
Aug-21
Sep-21
Oct-21
Nov-21
169
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