Pt Bank Sinarmas Tbk · IDX:BSIM
Pt Bank Sinarmas Tbk — Q1 2016 Earnings Presentation
7 slides from Pt Bank Sinarmas Tbk's earnings presentation, 2016
Slide 1: Quarterly Performance Highlight First Quarter 2016
PT. BANK SINARMAS, Tbk. Quarterly Performance Highlight First Quarter 2016
Slide 2: Key Financial Highlight
Key Financial Highlight Total assets growth were driven by robust CASA growth by 38.7% Y-o-Y Assets Loans IDR Billion IDR Billion + 33.8 Y-o-Y + 27.9% Y-o-Y + 2.7% Q-o-Q + 1.1% Q-o-Q 35,000 28,611 20,000 17,607 17,804 27,869 18,000 13,917 30,000 16,000 25,000 21,390 14,000 12,000 20,000 10,000 15,00
Slide 3: Key Financial Highlight
Key Financial Highlight Significant growth on Net Profit driven by merchant related business Net Interest Income Fee Based Income* IDR Billion IDR Billion + 13.5% Y-o-Y + 96.9% Y-o-Y 420 394 200 193 370 347 180 160 140 320 270 120 100 98 80 220 60 40 170 20 120 - 1Q2015 Presentation Title 1Q2016 1Q2
Slide 4: Quarterly Earning Trend
Quarterly Earning Trend The bank has a stable growth in its financial performance IDR Billion 5, 000 15. 00% 4,695 4, 500 12.28% 10. 00% 7.69% 6.15% 6.46% 4, 000 6.16% 5.72% 6.34% 5.46% 3,476 3, 500 3,333 5. 00% 5.14% 3, 000 0. 00% 2,472 Presentation Title 2, 500 2,143 - 5.00% 2, 000 1,598 1,680 1,
Slide 5: Loan compositions
Loan compositions MSME loan has grown by 105.4% compare to last year with a total outstanding of IDR 1,454 billion 2015 1Q2015 1Q2016 16% 17% 16% 13% 13% Presentation Title 12% 5% 2% Sub63%Title 7% 62% 8% 61% 2% 3% Corporate Retails MSME Shariah Channeling Corporate Retails MSME Shariah Channeling C
Slide 6: Third party funds compositions
Third party funds compositions Current Account increased by 52.5% compare to previous year. 2015 1Q2015 1Q2016 22% 24% 24% 46% 49% Presentation Title 49% Sub 29% Title 27% 30% Current Account Saving Account Term Deposits Current Account Saving Account Term Deposits Current Account Saving Account Ter
Slide 7: Highlight ratios
Highlight ratios FINANCIAL RATIOS 1Q2015 4Q2015 1Q2016 NIM 6.30% 5.77% 5.70% LDR 80.56% 78.04% 74.53% NPL - Gross 2.55% 3.95% 2.97% NPL - Net Presentation Title 2.00% 2.99% 2.11% CAR Sub Title Operational Expense to Operational Income 17.70% 94.30% 14.37% 91.67% 14.84% 85.79% ROA 1.10% 0.95% 1.81% R