Pt Bank Mega Tbk · IDX:MEGA
Pt Bank Mega Tbk — Shareholder Meeting (2024)
25 slides from Pt Bank Mega Tbk's shareholder meeting presentation, 2024
Slide 1: Public Expose 2024 Bank Mega
PUBLIC EXPOSE 2024 BANK MEGA
Slide 2: Perekonomian Global & Indonesia
PEREKONOMIAN GLOBAL & INDONESIA
Slide 3: Tantangan Perekonomian
TANTANGAN PEREKONOMIAN Global Indonesia • Fragmentasi Geopolitik – Ekonomi meningkat • Perekonomian Indonesia diprakirakan tetap (Perang Rusia & Ukraina, Perang Dagang tumbuh baik ditengah ketidakpastian Global Amerika & Tiongkok, Perang Israel & Hamas) • Inflasi telah lebih cepat kembali ke kisaran
Slide 4: Perekonomian Global
PEREKONOMIAN GLOBAL (%) 7.00 PDB Dunia 6.0 6.00 5.00 3.7 3.6 4.00 3.3 3.4 3.4 3.1 3.2 3.1 3.1 2.8 3.00 2.00 1.00 0.00 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 -1.00 -2.00 -3.0 -3.00 Sumber : IMF -4.00
Slide 5: Perekonomian Indonesia
PEREKONOMIAN INDONESIA (%) 0 PDB Indonesia 0 5.56 5.20 5.01 5.03 5.07 5.17 5.02 5.02 5.05 4.88 0 0 3.70 0 0 0 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0) 0) -2.07 0) Sumber : APBN
Slide 6: Inflasi
INFLASI (%) 12.00% 10.00% Indonesia 8.38% 8.36% 8.00% 7.00% 6.50% 6.00% 5.51% 4.00% 3.61% 3.40% 3.02% 3.13% Amerika Serikat 3.35% 2.72% 2.50% 1.68% 1.87% 2.00% 1.50% 2.61% 0.80% 0.70% 2.10% 2.10% 2.30% 1.90% 2.00% 1.40% 0.00% 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Sumber : BI
Slide 7: Kinerja Bank Mega 2023
A. KINERJA BANK MEGA 2023 FA BANKMEGA
Slide 8: Total Profit After Tax
TOTAL PROFIT AFTER TAX (Rp Miliar) 10000.0 PAT 243,326 250,000 +21% 9000.0 201,817 8000.0 200,000 Perbankan +44% +4% 150,013 156,487 7000.0 140,206 6000.0 131,156 150,000 +34% 5000.0 106,707 112,160 104,628 106,544 -33 % 4,008 4,053 4000.0 104,718 3,511 100,000 3,008 +1% - 13% 3000.0 2,003 +33% Bank
Slide 9: Total Aset
TOTAL ASET (Rp Triliun) ASET +6% 11,766 +10% 11,113 170 +10% 10,112 11,000 +7% +6% 9,178 150 8,563 142 9,000 8,068 133 132 7,387 +7% -7% 130 Perbankan 6,730 6,129 112 +18% 7,000 5,615 110 101 4,954 +11% 5,000 82 84 90 Bank Mega +20% 68 71 66 67 3,000 70 50 1,000 2013 2014 2015 2016 2017 2018 2019 20
Slide 10: Total Kredit
TOTAL KREDIT (Rp Triliun) +11 % Kredit 7,187 100.0 +12 % -2 % +5 % 6,498 7200.0 +6 % 5,684 5,821 90.0 5,358 5,548 6200.0 Perbankan 80.0 4,782 5200.0 4,413 +16 % 70 -6% 4,092 70.0 3,707 66 4200.0 3,320 +25 % 61 60.0 53 -9% 3200.0 +25 % 48 50.0 2200.0 Bank Mega 42 40.0 34 35 1200.0 30 32 28 30.0 200.0
Slide 11: Komposisi Kredit
KOMPOSISI KREDIT (Rp Miliar) 2023 Corporate 45.218 68 % Joint Finance 11.651 18 % Credit Card 6.333 9% Retail & Commercial 3.091 5% Total 66.293 100%
Slide 12: Total Dana Pihak Ketiga
TOTAL DANA PIHAK KETIGA (Rp Triliun) +4 % DPK +9 % 8,458 8,154 115.0 +12 % 7,479 8,000 +11 % 105.0 +7 % 6,665 7,000 5,999 5,630 103 -13 % 95.0 5,289 99 6,000 Perbankan 4,837 +4 % 85.0 4,413 89 5,000 4,114 +25 % 75.0 3,664 4,000 79 65.0 73 +9 % 3,000 Bank Mega +20 % 55.0 61 61 2,000 45.0 53 51 51 1,0
Slide 13: Komposisi Dana Pihak Ketiga
KOMPOSISI DANA PIHAK KETIGA (Rp Miliar) 2023 Giro 16.360 10.126 16 11 % % Tabungan 14.451 15.662 15 18 % % Deposito 68.096 63.648 69 71 % % Total 89.436 100%
Slide 14: CAR
CAR CAR (%) 35.00 31.04 30.00 27.30 27.65 26.21 25.66 24.11 25.00 22.85 22.97 23.68 26.17 25.67 25.41 Perbankan 23.89 19.57 22.93 23.18 22.79 23.40 20.00 18.13 21.39 15.00 15.74 15.23 Bank Mega 10.00 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Perbankan Mega Sumber : OJK
Slide 15: LDR
LDR LDR (%) 100.00 Perbankan 94.78 94.43 92.11 90.70 89.70 89.42 90.04 90.00 83.83 82.54 77.13 78.78 80.00 70.00 74.03 69.67 68.04 65.85 67.23 60.00 65.05 60.04 60.96 57.41 56.47 50.00 55.35 Bank Mega 40.00 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Perbankan Mega Sumber : OJK
Slide 16: BOPO
BOPO BOPO (%) 100.00 Bank Mega 89.66 91.25 90.00 85.72 86.58 82.22 83.58 81.28 77.86 79.39 78.65 78.92 80.00 81.49 81.81 78.64 77.78 76.29 70.00 74.08 74.10 Perbankan 65.94 60.00 65.36 50.00 56.06 56.76 40.00 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Sumber : OJK Perbankan Mega
Slide 17: NIM
NIM (%) NIM 7,50 7,01 7,00 6,50 Bank Mega 6,04 6,00 5,80 5,38 5,42 5,50 5,27 5,19 5,21 5,63 4,90 5,00 5,39 5,32 4,75 5,14 4,42 4,50 4,89 4,91 4,81 4,71 4,00 4,45 4,51 4,23 3,50 Perbankan 3,00 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Perbankan Mega Sumber : OJK
Slide 18: ROA
ROA ROA (%) 4.50 4.22 4.00 4.00 Perbankan 3.64 3.47 3.50 3.08 2.85 2.90 3.00 2.45 2.55 2.50 2.32 2.36 2.74 2.00 2.47 2.47 2.43 2.23 2.24 1.50 Bank Mega 1.97 1.84 1.59 1.00 1.14 1.16 0.50 - 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Sumber : OJK Perbankan Mega
Slide 19: ROE
ROE (%) ROE 25.00 23.49 23.15 23.00 21.00 19.42 19.00 17.62 17.00 15.30 14.85 15.00 13.76 10.91 11.66 13.00 11.00 9.65 10.05 9.00 7.00 Bank Mega 5.00 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
Slide 20: NPL
NPL (%) Chart Title 4.00 3.44 3.50 3.06 3.00 2.81 3.00 Bank Mega 2.59 2.53 2.44 2.93 2.37 2.50 2.17 2.16 2.19 2.49 2.46 2.00 2.09 2.01 1.50 1.77 1.60 1.57 1.00 1.39 Perbankan 1.12 1.23 0.50 - 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Sumber : OJK Perbankan Mega
Slide 21: Proyeksi Kinerja Bank 2024
PROYEKSI KINERJA BANK 2024 PAT ASET 2023 = 3,51 T 2023 = 132 T 2024 = 3,81 T 2024 = 137 T DANA KREDIT PIHAK KETIGA 2023 = 66 T 2023 = 89 T 2024 = 72 T 2024 = 97 T
Slide 22: Proyeksi Rasio Keuangan 2024
PROYEKSI RASIO KEUANGAN 2024 CAR LDR BOPO 2023 = 26,2% 2023 = 74,0% 2023 = 65,4% 2024 = 25,8% 2024 = 74,0% 2024 = 64,2% ROA ROE NIM NPL 2023 = 3,5% 2023 = 17,6% 2023 = 5,2% 2023 = 1,6% 2024 = 3,7% 2024 = 18,4% 2024 = 5,4% 2024 = 1,8%
Slide 23: Fokus Bank 2024
FOKUS BANK 2024 KARTU KREDIT KREDIT DPK RETAIL FEE BASED & CASA INCOME
Slide 24: Financial Transaction Behaviors by Channel
Financial Transaction Behaviors by Channel M-Smile memiliki proporsi frekuensi transaksi paling Branch masih mendominasi Nominal Transaksi, banyak mencapai 67% namun M-Smile konsisten meningkat sebesar 10% per tahun Frekuensi Transaksi (Juta) Nominal Transaksi (Triliun Rupiah) 1% 1% 1% 1% 1% 0% 9% 4
Slide 25: Terima Kasih
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