21
Loan Disbursement: Mortgages Construction Loans were the Drivers
IDR Trillion
Note : Figures on graph and table Include Sharia financing
IDR Billion
2016 2017
IDR Bio
Housing Loans 28,041 33,955 34,029 41,812 47,216 9,357 11,294
20.71
Subsidized Mortgages 4,213 6,506 7,960 12,771 17,527 3,351 3,834
14.42 Non-Subsidized Mortgages
12,479 14,286 12,629 13,404 14,315 2,894 3,403 17.56
Other Housing 2,659 2,500 2,416 2,418 1,823 391 421
7.85 Construction Loan
8,690 10,663 11,023 13,219 13,551 2,720 3,636 33.64
Non-Housing Loans 9,679 10,338 7,569 9,434 12,043 2,791 3,038
8.85
Consumer Loan 1,809 2,389 2,564 4,268 4,779 1,697 1,160 -31.62
Commercial Loan 7,870 7,949 5,005 5,166 7,264 1,094 1,878
71.62
Total Loans 37,720 44,293 41,598 51,246 59,259
12,147 14,332 17.98
FY 2015 FY 2016
Loans Type
FY 2012 FY 2014
FY 2013 3 Months of
y.o.y
22
Loan Quality: Manageable NPL
Note : Figures on all graphs Include Sharia financing
Gross NPL Net NPL
23
31-Dec 31-Dec
31-Dec 31-Dec
31-Dec Gross
2012 2013
2014 2015
2016 2016
2017 3.93
3.80 3.43
2.79 2.36
2.96 2.83
5.00 5.24
3.96 2.48
1.52 2.43
1.67 2.90
2.61 2.51
2.57 2.65
2.85 3.09
Other Housing Loans 3.08
3.17 3.47
3.44 3.59
3.77 4.25
4.74 4.75
5.13 3.81
3.21 4.18
4.56
5.08 5.60
8.51 9.02
7.14 9.39
8.09
Consumer Loan 2.00
2.03 2.55
2.17 1.35
2.39 1.71
Commercial Loan 5.72
6.63 10.16
11.57 9.44
11.97 10.25
4.09 4.05
4.01 3.42
2.84 3.59
3.34 Total Loans
Housing Loans
Subsidized Mortgage Non-Subsidized Mortgage
Construction Loan Non-Housing Loans
31-Mar Loan Type
IDR Bn Share
IDR Bn Share
IDR Bn Share
IDR Bn Share
IDR Bn Share
IDR Bn Share
IDR Bn Share
Current 68,420
84.04 84,301 83.91 95,262 82.18 116,887 84.12 142,963 86.94 118,043 82.58 144,207 84.98 Special Mentioned
9,665 11.87 12,101 12.04 16,004 13.81 17,316 12.46 16,807 10.22 19,768 13.83 19,811 11.68
PL 78,085
95.91 96,402 95.95 111,266 95.99 134,203
96.58 159,770 97.16 137,811
96.41 164,018 96.66
Substandard 686
0.84 458 0.46 338
0.29 250 0.18 260
0.16 443 0.31 741
0.44 Doubtful
542 0.67 457
0.45 454 0.39 359
0.26 333 0.20 531
0.37 818 0.48
Loss 2,098
2.58 3,151 3.14 3,859
3.33 4,144 2.98 4,083
2.48 4,158 2.91 4,110
2.42 NPL
3,326 4.09
4,066 4.05
4,650 4.01
4,753 3.42
4,676 2.84
5,132 3.59
5,669 3.34
PL + NPL 81,411
100.00 100,467 100.00 115,916 100.00 138,956 100.00 164,446 100.00 142,944 100.00 169,687 100.00
NPL Gross 4.09
4.05 4.01
3.42 2.84
3.59 3.34
NPL Netto 3.12
3.04 2.76
2.11 1.85
2.34 2.35
31-Dec-13 31-Dec-15
31-Dec-16 31-Mar-16
31-Mar-17 Collectibility
31-Dec-12 31-Dec-14
Note : Figures on all tables Include Sharia financing
Loan Quality Breakdown: Subsidized Mortgage NPL Continued to Improve
24
Note : Figures Include Sharia financing
Special-Mentioned Loan:
Getting Lower Due to Better Loan Underwriting Monitoring
Special-Mentioned by Loan Type Special-Mentioned Loan
25
Note : Figures Include Sharia financing
Restructured Loan
Restructured Loan by Quality in 1Q17 Restructured Loan in 1Q17
IDR Billion
Restructured Loan Outstanding
IDR Billion
26
Liabilities: Sufficient to Support Loan Growth
Total Liabilities
IDR Trillion
Funding Composition
IDR Trillion
Funding Composition
27
Deposits FY 2012 FY 2013 FY 2014 FY 2015 FY 2016
1Q2016 1Q2017 y.o.y
Current Account 13.27
19.12 23.23
31.37 45.85
32.26 41.73
29.36 Savings Account
21.54 24.24
25.55 30.76
34.83 29.04
30.74 5.85
Time Deposits 45.88
52.86 57.70
65.62 79.52
69.87 84.95
21.59
Total 80.69
96.21 106.48