Pt Bank Amar Indonesia Tbk · IDX:AMAR
Pt Bank Amar Indonesia Tbk — Q2 2022 Earnings Presentation
19 slides from Pt Bank Amar Indonesia Tbk's earnings presentation, November 2022
Slide 1: 2Q 2022 Performance Presentation
2Q 2022 Performance Presentation Nov 2022
Slide 2: Content
Content 2Q 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: Second Quarter 2022 Performance Highlights
Second Quarter 2022 Performance Highlights Stable growth in Tunaiku customers and lending balances 264 262 244 185 212 Tunaiku Active Customers Jun'21 Sept'21 Dec'21 Mar'22 Jun'22 (‘000) 2.1 2.4 2.3 2.3 1.8 Total Lending (in tn IDR) Jun'21 Sept'21 Dec'21 Mar'22 Jun'22
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 30 June 2022 30 June 2022 7% 6% 3% 37% 35% 35% 35% 34% 1% 1% 1% 0% 0% 34% 64% 64% 65% 65% 49% 62% Q2 21 Q3 21 Q4 21 Q1 22 Q2 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 June 2022 30 June 2022 3.1% 14.0% 34% 49.1% 33.7% 66% 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 June 2022 30 June 2022 5,203 4,876 3,989 3,938 3.93 3,811 2.93 2.64 2.25 1.87 Jun'21 Sept'21 Dec'21 Mar'22 Jun'22 Jun'21 Sept'21 Dec'21 Mar'22 Jun'22
Slide 8: Savings composition has increased in Q2
Savings composition has increased in Q2 LDR stood at high level but with well-monitored risks Deposits Composition LDR 30 June 2022 30 June 2022 3.74% 3.76% 2.94% 6.43% 16.15% 179.60 3.14% 1.22% 0.86% 32.94% 1.39% 121.20 97.10 81.38 74.70 93.12% 95.02% 92.70% 82.45% 64.12% Q2 21 Q3 21 Q4 21 Q1 22 Q2
Slide 9: Strong Net Interest Income with NIM at 15%
Strong Net Interest Income with NIM at 15% Continue to increase profitability through productive loans Net Interest Income NIM IDR billion, 30 June 2022 30 June 2022 186 178 14.44 15.00 151 135 11.80 10.10 87 8.19 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Q2 21 Q3 21 Q4 21 Q1 22 Q2 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 11,760,000+ Lifetime Disbursement More than IDR 8 Trillion 9,000,000+ Downloads Tunaiku Top 3 purpose Renovation (34%) 4.3+ 4.5+ Working Capital (29%) Rating in Google
Slide 11: Balance Sheet
Balance Sheet IDR mn Jun ‘21 Sep ’21 Dec ‘21 Mar ‘22 Jun ‘22 QoQ YoY Cash 7,923 4,928 4,764 4,212 5,590 32.72% -29.45% Placements* 1,232,146 1,018,848 1,883,653 1,484,542 566,992 -61.81% -53.98% Securities 742,633 717,784 677,624 820,763 877,709 6.94% 18.19% Gross Loan 1,856,410 2,089,716 2,405,868
Slide 12: Income Statements
Income Statements IDR mn 2Q ‘21 3Q ’21 4Q ‘21 1Q ‘22 2Q ‘22 QoQ YoY Operating Income 134,552 192,155 232,583 243,579 215,111 -11.69% 59.87% Net Interest Income 87,155 135,264 178,299 186,046 151,253 -18.70% 73.55% Interest Revenues 147,439 185,314 226,081 234,084 182,207 -22.16% 23.58% Interest Expe
Slide 13: Ratios
Ratios % 2Q ‘21 3Q ‘21 4Q ‘21 1Q ‘22 2Q ‘22 NIM 8.20 10.10 11.80 14.40 15.00 BOPO 98.90 99.20 99.80 102.90 121.20 LDR 81.40 97.30 74.70 121.30 179.60 NPL 3.93 2.93 1.69 2.25 2.16 CAR 33.10 31.50 29.90 50.80 49.90 NSFR 153.40 138.20 153.00 138.30 137.40 LCR 1960.70 1979.50 1906.30 2807.00 2728.90 ROA
Slide 14: Content
Content 2Q 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: Features Launched in Q1 and Q2
Features Launched New Features that in Q1: Launched in Q2: ● Finsight ● Upsell Tunaiku (can apply Tunaiku Loan in ● Senyumku Debit Card Senyumku Apps) ● E-Statement Report ● Daily Interest ● Free Admin Fee for E- wallet and phone ● Account Security using credit top up Biometric 16.
Slide 17: Business Initiatives and Corporate Events
Business Initiatives and Corporate Events April 2022 May 2022 June 2022 Indonesia Data and Economic Investree Group have Conference (IDE) 2022 - signed acquisition Tunaiku 8th Anniversary Together for New Future agreement with Tolaram Mr Vishal Tulsian participate as Signed transaction On its 8th An
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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