Pt Bank Amar Indonesia Tbk · IDX:AMAR
Pt Bank Amar Indonesia Tbk — Q1 2022 Earnings Presentation
19 slides from Pt Bank Amar Indonesia Tbk's earnings presentation, Jun 14, 2022
Slide 1: 1Q 2022 Performance Presentation
1Q 2022 Performance Presentation June 2022
Slide 2: Content
Content 1Q 2022 Results Corporate Updates
Slide 3: Amar Bank serves Its Customers through Digital Products
Amar Bank serves Its Customers through Digital Products Networks Products The Digital Lending product that provides online-based unsecured Loans in an easy and fast way. Tunaiku disbursed loans with a competitive interest rate compared to its competitors. The Digital Savings product that 6 Office Ne
Slide 4: First Quarter 2022 Performance Highlights
First Quarter 2022 Performance Highlights Maintain strong growth in Tunaiku customers and lending balances 264k 262k 185k 212k 168k 260,000+ Tunaiku Active Customers Mar '21 Jun '21 Sep '21 Dec '21 Mar '22 2.4tn 2.3tn 1.8tn 2.1tn 1.7tn 33.2% YoY growth in Total Lending (in IDR) Mar '21 Jun '21 Sep '
Slide 5: Total Loans Recorded at IDR 2.3 Trillion with Diversified Sectors
Total Loans Recorded at IDR 2.3 Trillion with Diversified Sectors Support various sectors to advance the domestic economy Loans Composition Loans by Sectors 31 March 2022 31 March 2022 Real Estate, 1% Other Sector, 5% Services, 7% 37% 35% 35% 35% 35% 1% 1% 1% 1% 1% 62% 64% 64% 64% 64% 1Q21 2Q21 3Q21
Slide 6: Total Loans were Diversified to several Productive Segment
Total Loans were Diversified to several Productive Segment Continue to prioritize productive loans during the first three months of 2022 Productive Loans Loans by Segment 31 March 2022 31 March 2022 Consumptive, 35% SME, 3% Corporates, 12% Productive, 65% Micro, 50% Retail, 35%
Slide 7: Asset Quality is Quite Good amidst the Economic Slowdown
Asset Quality is Quite Good amidst the Economic Slowdown NPL Net increased but still at a safe level Total Asset NPL Net IDR trillion, 31 March 2022 31 March 2022 5,203 3.93 4,876 4,525 3,989 3,938 2.93 2.25 1.61 1.69 Mar '21 Jun '21 Sep '21 Dec '21 Mar '22 1Q21 2Q21 3Q21 4Q21 1Q22
Slide 8: Total Deposits composition has remained relatively Stable
Total Deposits composition has remained relatively Stable LDR stood at high level but with well-monitored risks Deposits Composition LDR 31 March 2022 31 March 2022 1% 3% 1% 1% 121.25 3% 4% 4% 6% 33% 97.30 3% 81.38 96% 93% 95% 93% 64% 74.70 63.61 1Q21 2Q21 3Q21 4Q21* 1Q22 1Q21 2Q21 3Q21 4Q21 1Q22 Ti
Slide 9: Strong Net Interest Income with NIM at 14.4%
Strong Net Interest Income with NIM at 14.4% Continue to increase profitability due to productive loans Net Interest Income NIM IDR trillion, 31 March 2022 31 March 2022 186 178 14.44 135 11.80 87 82 10.07 8.15 7.82 1Q21 2Q21 3Q21 4Q21 1Q22 1Q21 2Q21 3Q21 4Q21 1Q22
Slide 10: Tunaiku keeps the Quality as a Digital Product
Tunaiku keeps the Quality as a Digital Product Performance continues to improve as a proof of customer trust Lifetime Incoming Apps 10,700,000+ Lifetime Disbursement More than IDR 7.7 Trillion 9,000,000+ Downloads Tunaiku Top 3 purpose Renovation (35%) 4.3+ 4.5+ Working Capital (29%) Rating in Googl
Slide 11: Balance Sheet
Balance Sheet IDR mn Mar ‘21 Jun ‘21 Sep ‘21 Dec ‘21 Mar ‘22 QoQ YoY Cash 2,277 7,923 4,928 4,764 4,212 -11.6% 85.0% Placements * 2,250,782 1,278,137 1,018,731 1,967,518 1,545,330 -21.5% -31.3% Securities 409,268 742,633 717,784 677,624 820,763 21.1% 100.5% Gross Loan 1,764,454 1,856,410 2,089,716 2
Slide 12: Income Statements
Income Statements IDR mn 1Q ‘21 2Q ‘21 3Q ‘21 4Q ‘21 1Q ‘22 QoQ YoY Operating Income 125,181 134,552 192,155 232,583 243,579 26.8% 94.6% Net Interest Income 81,663 87,155 135,264 178,299 186,046 37.5% 128.3% Interest Revenues 143,400 147,439 185,314 226,081 234,084 26.3% 63.2% Interest Expenses 61,8
Slide 13: Ratios
Ratios % 1Q ‘21 2Q ‘21 3Q ‘21 4Q ‘21 1Q ‘22 NIM 7.8 8.2 10.1 11.8 14.4 BOPO 98.8 98.9 99.2 99.8 102.9 LDR 63.6 81.4 97.3 74.7 121.3 NPL 1.6 3.9 2.9 1.7 2.2 CAR 37.6 33.1 31.5 29.9 50.8 NSFR 158.4 153.4 138.2 153.0 138.3 LCR 1681.4 1960.7 1979.5 1906.3 2807.0 ROA 0.2 0.2 0.1 0.0 -0.7 ROE 0.5 0.6 0.4
Slide 14: Content
Content 1Q 2022 Results Corporate Updates
Slide 15: Q1 Highlights on Amar Bank's Digital Ecosystem
Q1 Highlights on Amar Bank’s Digital Ecosystem The Integration Digital App Ecosystem Amar's flagship Increase customer access application to help to Savings and Loan customers achieve Products simultaneously their financial goals Loan from Tunaiku can be directly disbursed to Senyumku Senyumku custo
Slide 16: Launch of Senyumku Debit Card
Launch of Senyumku Debit Card Customer can request the card through the 21 February 2022 Senyumku Apps Customer can withdraws, transfers, and balance checks throughout Indonesia at ATM machines that have PRIMA & ALTO logo Customer can transact on all EDC Bank machines throughout Indonesia Equipped w
Slide 17: Business Initiatives and Corporate Events
Business Initiatives and Corporate Events January 2022 February 2022 February 2022 February 2022 Fintech Asia Summit 2022 Digital Bank Outlook #SenyumkuBisaLebih #TunaikuTambahinModal Challenges & Strategies in 2022 Campaign Competition Banking the Unbanked Discussing the digital Educate and increas
Slide 18: Accolades
Accolades Indonesia's Most Popular Digital Financial Brands Awards 2022 Most Popular Digital Financial Brand in E Loan The Iconomics, February 2022
Slide 19: Thank You
Thank You Investor Relations For More Information: Website : www.amarbank.co.id Email: investor.relations@amarbank.co.id PT Bank Amar Indonesia Tbk Grha Niaga Thamrin, 1st Floor Jl. KH Mas Mansyur, Jakarta Pusat 10220
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