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Page 1
PUBLIC
EXPOSE
2024
BANK MEGA
Page 2
PEREKONOMIAN GLOBAL & INDONESIA
Page 3
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
mengganggu rantai pasok Dunia, mendorong sasarannya dan tetap terkendali rendah.
naiknya harga energi dan pangan • Geliat Investasi masa Pemilu biasanya
• Suku bunga di negara maju tetap bertahan mengalami perlambatan lantaran investor
tinggi dalam jangka waktu yang lebih lama “wait and see”
(higher for longer) untuk dapat • Pertumbuhan riil ekspor barang menurun
mengendalikan inflasi seiring pelemahan pemintaan dari negara
• Nilai tukar dollar AS yang masih akan tetap mitra dagang terutama Tiongkok.
kuat
• Perubahan Iklim (Cuaca ekstrim di Eropa,
Kekeringan akibat El Nino di Asia)
Page 4
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
Page 5
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
Page 6
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
Page 7
KINERJA BANK MEGA 2023
Page 8
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 Mega 1,599
2000.0
1,053 1,158 1,300 +50% 50,000
1000.0 525 599 +25%
- 0
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
Mega Perbankan
Sumber : OJK
Page 9
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 2020 2021 2022 2023
Mega Perbankan (dlm Triliun)
Sumber : OJK
Page 10
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
20.0 (800.0)
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
Sumber : OJK Mega Perbankan
Page 11
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%
Page 12
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 1,000
50
35.0 -
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
Sumber : OJK Mega Perbankan
Page 13
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%
Page 14
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
Page 15
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
Page 16
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
Page 17
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
Page 18
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
Page 19
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
Page 20
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
Page 21
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
Page 22
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%
Page 23
FOKUS BANK 2024
KARTU
KREDIT
KREDIT
DPK RETAIL FEE BASED
& CASA INCOME
Page 24
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% 0% 19%
29%
34% 3% 0%
52% 0%
2%
9% 67%
8%
86%
46% 78% 69%
7%
31%
20%
10% 7% 5%
2021 2022 2023 2021 2022 2023
Branch ATM EDC M-Smile Internet Banking Branch ATM EDC M-Smile Internet Banking
Page 25
TERIMA KASIH
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