Pt Bank Amar Indonesia Tbk · IDX:AMAR
Pt Bank Amar Indonesia Tbk — 9M 2023 Earnings Presentation
20 slides from Pt Bank Amar Indonesia Tbk's earnings presentation, Nov 6, 2023
Slide 1: Corporate Presentation 9M 2023 Updates
Corporate Presentation 9M 2023 Updates A digital bank serving the retail and MSMEs segments which dedicated to providing digital financial services especially to those who are underserved
Slide 2: Philosophy and Purpose
Philosophy and Purpose of “Technology must impact lives, must improves lives” Purpose: Leveraging technology to improve financial health and inclusions, sustainably
Slide 3: A Brief of Milestone
A Brief of Milestone 1991 2014 2018 2019 PT Anglomas Changed its name to PT Successfully Increased the Bank's Internasional Bank Bank Amar Indonesia disbursed more than core capital to more was established IDR 1 Trillion of than IDR 1 Trillion Transformed digitally and Tunaiku digital loans launched
Slide 4: Share Ownership Structure
Share Ownership Structure *as of 30 September 2023
Slide 5: 9M 2023 Results
9M 2023 Results Corporate Updates
Slide 6: Nine Months of 2023 Performance Highlights
Nine Months of 2023 Performance Highlights Lending is gradually increasing until September 2023 2.1tn 2.3tn 2.4tn 2.2tn 2.4tn Stabile Performance in Total Lending (in IDR) Sep '22 Dec '22 Mar '23 Jun '23 Sep '23 18.5% 25.4% 28.3% 44.6% 42.1% Contribution in 81.5% Lending 74.6% 71.7% 55.4% 57.9% Sep
Slide 7: Loans Recorded at IDR 2.4 Trillion with Diversified Sectors
Loans Recorded at IDR 2.4 Trillion with Diversified Sectors Focus on productive sectors to advance the domestic economy Loans Composition Loans by Sectors 30 September 2023 30 September 2023 Other (16%) 12% 14% 25% 23% 1% 1% 30% Real 1% 1% 1% Estate (11%) Trading 87% 85% (49%) 74% 76% 69% Household
Slide 8: Total Loans are Diversified to Several Productive Segments
Total Loans are Diversified to Several Productive Segments Continue to prioritize productive loans and more than 50% to MSMEs Productive Loans Loans by Segment 30 September 2023 30 September 2023 Consumptive (14%) SME (7%) Retail (13%) Micro (46%) Corporates (34%) Productive (86%)
Slide 9: Assets' Quality in a Good Shape
Assets’ Quality in a Good Shape NPL decreased impact from prudent activity of lending Total Assets NPL IDR billion, 30 September 2023 30 September 2023 4,762 4,671 2.43 4,505 4,441 3,700 1.84 1.84 1.56 1.67 Sep '22 Dec '22 Mar '23 Jun '23 Sep '23 3Q22 4Q22 1Q23 2Q23 3Q23
Slide 10: Steadily Increasing the CASA Composition in 2023
Steadily Increasing the CASA Composition in 2023 LDR stood at high level but with well-monitored risks Deposits Composition LDR & CAR 30 September 2023 30 September 2023 3% 4% 5% 8% 297.72 23% 15% 11% 11% 16% 220.31 20% 195.73 201.23 158.42 82% 85% 84% 125.96 125.59 124.51 76% 57% 82.52 52.20 3Q22 4
Slide 11: Strong Net Interest Income with NIM at 18.7%
Strong Net Interest Income with NIM at 18.7% Continue to increase profitability post-pandemic Net Interest Income NIM IDR billion, 30 September 2023 30 September 2023 244 18.78 210 191 165 154 17.33 16.57 15.93 15.87 3Q22 4Q22 1Q23 2Q23 3Q23 3Q22 4Q22 1Q23 2Q23 3Q23
Slide 12: Product Performance is Critical Component to Amar Bank
Product Performance is Critical Component to Amar Bank Continue to improve our services through digital products Embedded Banking & Financing Amar Bank provide plug-and-play embedded banking & financing to non-banking players, which enable our >10.000.000 installers partners to provide banking servi
Slide 13: Income Statements
Income Statements IDR mn 9M ‘22 9M ‘23 YoY 3Q ‘22 2Q ‘23 3Q ‘23 QoQ YoY The steady growth in NIM, as well as prudent lending, Operating Income 682,593 932,618 36.63% 223,904 281,035 367,846 30.89% 64.29% have impacts to higher Net Interest Income 501,843 643,838 28.29% 164,544 209,758 243,435 16.06%
Slide 14: Balance Sheet
Balance Sheet IDR mn Sep ‘22 Dec ‘22 Mar ‘23 Jun ‘23 Sep ‘23 QoQ YoY Gross Loan increased by 15.5% YoY in September Cash 6,142 6,638 6,247 5,302 4,328 -18.37% -29.53% 2023 to IDR 2.4 Billion, Placements * 791,907 1,451,228 1,744,873 1,863,116 1,427,948 -23.36% 80.32% contributed by Tunaiku Loan and
Slide 15: Ratios
Ratios % 3Q ‘22 4Q ‘22 1Q ‘23 2Q ‘23 3Q ‘23 CAR is recorded at 124.5%, means there is more NIM 15.93 15.87 16.57 17.33 18.78 leverage room for the BOPO 121.83 119.36 88.52 85.82 83.52 Company to serve more customers. LDR 158.42 220.31 195.73 201.23 297.72 NPL 2.43 1.67 1.84 1.84 1.56 Increase in cus
Slide 16: Corporate Updates
9M 2023 Results Corporate Updates
Slide 17: Brankas: Main Aman dengan Amar
Brankas : “Main Aman dengan Amar” Amar Bank has launched the Amar Bank Brankas, a digital savings product with AI driven multi-layered protection from Amar Bank. This innovative solution is expected to address customers' concerns about financial crimes while also reaffirming Amar Bank's role in the
Slide 18: Business Initiatives and Corporate Events
Business Initiatives and Corporate Events July 2023 July 2023 August 2023 September 2023 Exclusive Interview with Digital Transformation Company Visit with CNBC Brankas Press Conference Warta Ekonomi Indonesia Conference & Expo Indonesia Warta Ekonomi, along with Vishal Kevin Kane, Chief Technology
Slide 19: Accolades
CO I oones. N ( BEST y) y CERTIFICATE o ’ a \\ S dj ’ \ ~ 3 erasing in Financia stabéty ihonotnang zorace Guahty boamarBanc re PT Bank Amar Indonesia Tbk bo amar bank Indonesia Best Bank 2023 for The Provision of Financial Access for MSMEs Through Digitol Eeosystom.
Slide 20: Thank You!
Thank You! This material was prepared and presented by PT Bank Amar Indonesia Tbk. This presentation is copyrighted by PT Bank Amar Indonesia Tbk which is protected by regulations and laws in force in Indonesia. This material is not intended as an offer or solicitation to buy or sell any financial i
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