Pt Bank Amar Indonesia Tbk · IDX:AMAR
Pt Bank Amar Indonesia Tbk — Q3 2022 Earnings Presentation
19 slides from Pt Bank Amar Indonesia Tbk's earnings presentation, November 2022
Slide 1: 3Q 2022 Performance Presentation
3Q 2022 Performance Presentation Nov 2022
Slide 2: Content
Content 3Q 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: Third Quarter 2022 Performance Highlights
Third Quarter 2022 Performance Highlights A slight decrease in Tunaiku customers and lending balances 264 262 244 212 213 Tunaiku Active Customers Sept'21 Dec'21 Mar'22 Jun'22 Sept'22 (‘000) 2.4 2.3 2.3 2.1 2.1 Total Lending (in tn IDR) Sept'21 Dec'21 Mar'22 Jun'22 Sept'22
Slide 5: Total Loans Recorded at IDR 2.1 Trillion with Diversified Sectors
Total Loans Recorded at IDR 2.1 Trillion with Diversified Sectors Support various sectors to advance the domestic economy Loans Composition Loans by Sectors 30 Sept 2022 30 Sept 2022 6% 8% 4% 35% 35% 35% 34% 31% 0% 1% 1% 0% 0% 31% 64% 64% 65% 65% 69% 52% Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Working Capital
Slide 6: Total Loans were Diversified to several Productive Segment
Total Loans were Diversified to several Productive Segment Continue to prioritize productive loans Productive Loans Loans by Segment 30 Sept 2022 30 Sept 2022 2.87% 15.58% 31% 51.51% 30.05% 69% Productive Consumptive Micro Retail Corporates SME
Slide 7: Asset Quality is in the Good Level amidst the Economic Slowdown
Asset Quality is in the Good Level amidst the Economic Slowdown NPL Net is maintained at a safe level Total Asset NPL Net IDR billion, 30 Sept 2022 30 Sept 2022 5,203 4,876 3,938 2.93 3,811 3,700 2.64 2.43 2.25 1.87 Sept'21 Dec'21 Mar'22 Jun'22 Sept'22 Sept'21 Dec'21 Mar'22 Jun'22 Sept'22
Slide 8: Current Account composition started to increase in Q3
Current Account composition started to increase in Q3 LDR stood at high level but with well-monitored risks Deposits Composition LDR 30 Sept 2022 30 Sept 2022 1.22% 32.94% 0.86% 1.39% 22.77% 3.76% 6.43% 179.60 16.15% 158.40 2.94% 19.75% 121.20 97.10 95.02% 92.70% 74.70 82.45% 64.12% 57.49% Q3 21 Q4
Slide 9: Strong Net Interest Income with NIM at 15.90%
Strong Net Interest Income with NIM at 15.90% Continue to increase profitability through productive loans Net Interest Income NIM IDR billion, 30 Sept 2022 30 Sept 2022 186 178 165 151 15.90 14.44 15.00 135 11.80 10.10 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22
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 12,640,000+ Lifetime Disbursement More than IDR 8.6 Trillion 10,000,000+ Downloads Tunaiku Top 3 purpose Renovation (34%) 4.3+ 4.5+ Working Capital (29%) Rating in Goog
Slide 11: Balance Sheet
Balance Sheet IDR mn Sep’21 Dec‘21 Mar‘22 Jun‘22 Sep’22 QoQ YoY Cash 4,928 4,764 4,212 5,590 6,142 9.87% 24.63% Placements 1,018,848 1,883,653 1,484,542 566,992 791,908 39.67% -22.27% Securities 717,784 677,624 820,763 877,709 709,377 -19.18% -1.17% Gross Loan 2,089,716 2,405,868 2,351,061 2,266,744
Slide 12: Income Statements
Income Statements IDR mn 3Q’21 4Q‘21 1Q‘22 2Q‘22 3Q’22 QoQ YoY Operating Income 192,155 232,583 243,579 215,111 223,903 4.09% 16.52% Net Interest Income 135,264 178,299 186,046 151,253 164,544 8.79% 21.65% Interest Revenues 185,314 226,081 234,084 182,207 189,165 3.82% 2.08% Interest Expenses 50,050
Slide 13: Ratios
Ratios % 3Q ‘21 4Q ‘21 1Q ‘22 2Q ‘22 3Q’22 NIM 10.10 11.80 14.40 15.00 15.90 BOPO 99.20 99.80 102.90 121.20 121.80 LDR 97.30 74.70 121.30 179.60 158.40 NPL 2.93 1.69 2.25 2.16 2.43 CAR 31.50 29.90 50.80 49.90 52.20 NSFR 138.20 153.00 138.30 137.40 128.50 LCR 1979.50 1906.30 2807.00 2728.90 2507.80 R
Slide 14: Content
Content 3Q 2022 Results Corporate Updates
Slide 15: Highlights on Amar Bank's Digital Ecosystem
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 customer
Slide 16: New Features that Launched in Q3
Features that already launched in 2022: New Features that ● Finsight Launched in Q3: ● Senyumku Debit Card ● Daily Interest Embedded Banking ● Account Security using Biometric Provides one stop financial ● Upsell Tunaiku (can apply Tunaiku solution from end to end process of savings, transaction, an
Slide 17: Business Initiatives and Corporate Events
Business Initiatives and Corporate Events July 2022 July 2022 Aug 2022 Held AGMS and Public Expose Investree officially Amar Collaborate with Equine on 27th July 2022 at Artotel owned 18.4% of Amar Global Mangkuluhur Hotel, Jakarta Stake This collaboration is to improve On 25th Aug 2022, the efficie
Slide 18: Accolades
Accolades Indonesia's Most Popular Digital Indonesia Best Bank Awards 2022 Indonesia Grand Digital Marketing Financial Brands Awards 2022 Awards 2022 Indonesia Best Bank 2022 for the Most Popular Digital Development Banking Transaction through Grand Digital Marketing Company 2022 Financial Brand in
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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