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Paparan Publik 2023 PT Bank CIMB Niaga Tbk Jakarta, 24 November 23
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Agenda
Tentang CIMB Niaga 1
Implementasi Strategi Bisnis 2
Ikhtisar Kinerja Keuangan 9M23 3
Lampiran 4
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Tentang CIMB Niaga
CIMB NIAGA’S FOOTPRINT FINANCIAL HIGHLIGHTS
Kota Kantor
Cabang
Cabang
Digital
Cabang
Syariah 2nd BANK SWASTA TERBESAR KE 2
BERDASARKAN TOTAL ASET
Jumlah aset Jumlah ekuitas
99 411 36 33 Rp 329 T Rp 47 T
Anak Usaha ATM EDC & QR Kredit Simpanan nasabah
(CNAF)
34 3,952 469,790 Rp 206 T * Rp 235 T
Karyawan 51% RoE # KPMM/CAR
11,876 49% 15.4% 23.8%
DIGITAL CAPABILITIES FOCUSED UNIVERSAL BANK
Mobile Clicks OCTO Kontribusi transaksi Korporat, 39%
users users Pay Kanal digital
Rasio keuangan
2.9 M 1.8 M 5.5 M 97%
UNIT USAHA SYARIAH TERBESAR
BERDASARKAN TOTAL ASET UKM, berkelanjutan
12%
Komersial,… 25.6%
Konsumer, 34%
Data per 30 September 2023. Jaringan kantor termasuk cabang syariah , kas mobil , cabang digital, dan payment point . ATMs termasuk CDM, CRM, MDM. * Termasuk pembiayaan Salam 3
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# Definisi OJK, ROE dihitung berdasarkan modal tier 1
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Implementasi Strategi Bisnis
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Implementasi strategi jangka panjang yang konsisten
Prioritas strategik kami Indikator kunci 9M23
Menghasilkan imbal hasil keuangan yang Kontribusi 45.8%
berkelanjutan kredit retail vs. 45.4% in Sep 22
1 2 3 4 5
Rasio dana 66.7%
murah vs. 67.7% in Sep 22
(CASA)
Fokus pada Peningkatan Disiplin dalam Penjagaan Pemanfaatan
keahlian utama CASA pengelolaan modal dan teknologi
biaya keseimbangan informasi Rasio biaya
terhadap 44.2%
budaya risiko
pendapatan vs. 44.4% in 9M22
Akselerasi Menumbuhkan Mengelola biaya Menjaga resiliensi Memanfaatkan (CIR)
pertumbuhan CASA baik di secara strategic bisnis dengan teknologi canggih
yang profitable segmen retail untuk mendanai menjaga posisi untuk
dengan alokasi maupun non retail aspirasi permodalan yang meningkatkan Rasio biaya 1.2%
modal pada pada memanfaatkan pertumbuhan kuat dan customer kredit (CoC) vs. 1.8% in 9M22
segmen yang kerjasama dengan bisnis jangka pendekatan experience dan
memberikan risk- ekosistem digital panjang manajemen risiko mendigitalisasi
adjusted returns and jaringan yang prudent proses bisnis
tertinggi cabang RoE # 15.4%
(Konsumer & UKM) vs. 12.9% in 9M22
# Definisi OJK, ROE dihitung berdasarkan modal tier 1 5
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Progress implementasi yang baik pada semua pilar strategik kami
Pilar 1 – Fokus pada keahlian utama Pilar 2 – Peningkatan CASA Pilar 3 – Disiplin dalam
pengelolaan biaya
Kontribusi kredit retail (%) * Rasio CASA (%) CIR ** (%)
66.7%
45.9% 45.8% 63.6% 50.2% 49.1% 48.9%
43.0% 44.7% 59.6% 61.3%
38.9% 55.3% 45.9% 44.9%
35.9% 52.6% 44.2%
2018 2019 2020 2021 2022 9M23 2018 2019 2020 2021 2022 9M23 2018 2019 2020 2021 2022 9M23
Pilar 4a – Penjagaan modal dan Pilar 4b – Penjagaan modal dan Pilar 5 – Pamanfaatan teknologi
keseimbangan budaya risiko keseimbangan budaya risiko informasi
KPMM/CAR (%) NPL bruto (%) Penetrasi transaksi digital (%)
23.8% 3.6% 3.5% 96.0% 97.0% 97.0%
21.5% 21.9% 22.7% 22.2% 3.1% 93.6% 95.4% 95.0%
19.7% 2.8% 2.8%
2.4%
2018 2019 2020 2021 2022 9M23 2018 2019 2020 2021 2022 9M23 2018 2019 2020 2021 2022 9M23
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* Kredit retail mencakup kredit konsumsi dan UKM. ** Business As Usual, tidak termasuk Program Purna Karya Sukarela/PPKS (2019) dan Exceptional Items (2021)
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Akselerasi penciptaan nilai bagi pemegang saham
PENINGKATAN ROE DAN RASIO PEMBAYARAN PENINGKATAN IMBAL HASIL BAGI PEMEGANG
DIVIDEN SAHAM
RoE #, % Dividen per saham, Rp
15.4% 39%
12.6% CAGR
10.7%
9.5% 9.7%
*
5.3% 115.16
94.07
2018 2019 2020 2021 2022 Sep-23
Rasio pembayaran dividen, %
55.39
60% 60% 60%
44.06
40%
27.93
23.89
20% 20%
2018 2019 2020 2021 2022 Sep-23 2018 2019 2020 2021 2022 Sep-23
# Definisi OJK, ROE dihitung berdasarkan modal tier 1 * 2023 dividen dibayarkan di bulan Mei 2023 7
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Ikhtisar Kinerja Keuangan 9M23
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Menghasilkan pertumbuhan nilai di 9M23
Pertumbuhan jumlah Pertumbuhan pengguna Pertumbuhan nilai
nasabah OCTO Mobile transaksi OCTO Mobile
17.5% 15.3% 97.3%
year-on-year year-to-date year-on-year
Perbaikan kualitas Pertumbuhan laba Peningkatan RoE #
aset (NPL bruto) bersih
2.4% 27.6% 15.4%
vs. 3.6% di Sep 22 year-on-year vs. 12.9% di 9M22
# Definisi OJK, ROE dihitung berdasarkan modal tier 1 9
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Posisi keuangan - konsolidasi
(Rp tn) Sep-22 Dec-22 Jun-23 Sep-23 QoQ YTD YoY
Kas & Investasi Jangka Pendek 27.49 32.05 32.12 26.26 (18.2%) (18.1%) (4.5%)
Obligasi Pemerintah & Efek Efek 68.03 65.03 75.51 81.01 7.3% 24.6% 19.1%
Kredit * 195.39 198.75 206.04 205.58 (0.2%) 3.4% 5.2%
Jumlah Aset 306.97 306.75 329.68 329.13 (0.2%) 7.3% 7.2%
Dana Murah (CASA) 150.18 144.43 151.61 156.96 3.5% 8.7% 4.5%
Giro 75.43 70.34 72.00 77.24 7.3% 9.8% 2.4%
Tabungan 74.75 74.09 79.61 79.72 0.1% 7.6% 6.7%
Deposito 71.68 82.76 84.18 78.30 (7.0%) (5.4%) 9.2%
Simpanan Nasabah 221.86 227.19 235.79 235.26 (0.2%) 3.6% 6.0%
Jumlah Kewajiban 263.54 261.56 283.64 281.86 (0.6%) 7.8% 7.0%
Jumlah Ekuitas 43.43 45.19 46.04 47.27 2.7% 4.6% 8.8%
* Termasuk pembiayaan Salam 10
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Kinerja keuangan - konsolidasi
(Rp mil) 2Q23 3Q23 QoQ 9M22 9M23 YoY
Pendapatan Bunga 5,645 5,710 1.1% 14,022 16,714 19.2%
Beban Bunga (2,218) (2,357) 6.3% (4,048) (6,527) 61.2%
Pendapatan Bunga Bersih 3,427 3,352 (2.2%) 9,974 10,187 2.1%
Pendapatan Selain Bunga 1,608 1,136 (29.4%) 4,111 4,320 5.1%
Pendapatan Operasional 5,035 4,488 (10.9%) 14,085 14,507 3.0%
Beban Operasional * (2,119) (2,077) (2.0%) (6,251) (6,414) 2.6%
Pendapatan Operasional Sebelum
2,916 2,411 (17.3%) 7,834 8,093 3.3%
Provisi *
Beban Provisi (780) (249) (68.1%) (2,814) (1,779) (36.8%)
Laba Sebelum Pajak 2,136 2,162 1.2% 5,020 6,314 25.8%
Laba Bersih 1,652 1,669 1.0% 3,843 4,902 27.6%
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Ratio utama - konsolidasi (%) 2Q23 3Q23 QoQ 9M22 9M23 YoY RoA 2.6% 2.6% 2.2% 2.6% RoE # 15.8% 15.3% 12.9% 15.4% NIM 4.52% 4.33% 4.62% 4.52% Fee Income / Total Income 31.9% 25.3% 29.2% 29.8% Cost to Income (CIR) 42.1% 46.3% 44.4% 44.2% Rasio CASA 64.3% 66.7% 67.7% 66.7% Loan to Deposit (LDR) 86.0% 86.4% 86.9% 86.4% NPL bruto 2.5% 2.4% 3.6% 2.4% NPL bersih 0.7% 0.7% 0.9% 0.7% Loans at Risk (LaR) 13.3% 12.7% 17.3% 12.7% Cost of Credit (CoC) 1.8% 0.4% 1.8% 1.2% NPL Coverage 261.9% 267.1% 208.8% 267.1% LaR Coverage 49.2% 50.4% 42.6% 50.4% Impaired Coverage 110.7% 108.8% 117.9% 108.8% # Definisi OJK, ROE dihitung berdasarkan modal tier 1 12
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Penyaluran kredit
Komposisi kredit berdasarkan segmen Pertumbuhan kredit berdasarkan segmen
UKM,
(Rp tn) Sep-22 Jun-23 Sep-23 QoQ YTD YoY
11.6%
KPR,
20.8% Konsumer 66.30 69.34 70.21 1.2% 4.5% 5.9%
Komersial, KPR 41.57 42.30 42.71 1.0% 2.2% 2.7%
Kartu Kredit,
15.6%
Personal
KPM 11.59 12.64 12.93 2.3% 10.0% 11.5%
Rp 205.58 tn Loan, & Lain-
Kartu Kredit,
lain, 7.1% Personal loans, 13.14 14.41 14.57 1.1% 6.7% 10.9%
& Lain-lain
KPM, 6.3% Korporat * 75.01 81.53 79.51 (2.5%) 3.5% 6.0%
Korporat,
38.7% Komersial * 31.99 32.05 31.97 (0.2%) 0.2% (0.1%)
UKM 22.08 23.13 23.88 3.3% 4.8% 8.2%
LDR RASIO PEMBIAYAAN Jumlah Kredit * 195.39 206.04 205.58 (0.2%) 3.4% 5.2%
SHARIA
86.4% 25.8% Pembiayaan 0.0% 7.4% 15.3%
45.96 53.00 53.00
Syariah
* Termasuk pembiayaan Salam 13
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Simpanan nasabah
CASA berdasarkan segmen Pertumbuhan simpanan nasabah
PENINGKATAN CASA (Rp tn) Sep-22 Jun-23 Sep-23 QoQ YTD YoY
66.7% Dana Murah
150.18 151.61 156.96 3.5% 8.7% 4.5%
(CASA)
Rasio CASA konsolidasi
Giro 75.43 72.00 77.24 7.3% 9.8% 2.4%
Rasio CASA 63.1%
Retail Tabungan 74.75 79.61 79.72 0.1% 7.6% 6.7%
vs. 62.5% in Jun 23
Deposito 71.68 84.18 78.30 (7.0%) (5.4%) 9.2%
Rasio CASA 74.1% Simpanan
Non-Retail Nasabah 221.86 235.79 235.26 (0.2%) 3.6% 6.0%
vs. 67.8% in Jun 23 Simpanan Nasabah
Syariah 34.63 44.46 42.72 (3.9%) 8.1% 23.4%
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* Kredit retail mencakup kredit konsumer dan UKM.
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Kualitas aset
Trend perbaikan Loans at risks (LAR), % Trend peningkatan NPL coverage dan LaR coverage, %
17.3%
15.1%
13.9% 13.3% 12.7%
3.6% LaR
2.8% 2.6% 2.5% 2.4% 261.9% 267.1%
5.9% NPL 253.5% NPL Coverage
5.7% 5.4% 242.7%
5.7% 5.6% Special Mention
7.8% 6.6% 208.8%
5.9% 5.1% 4.7% Kol. 1 Restru
Sep-22 Dec-22 Mar-23 Jun-23 Sep-23
Trend CoC (%) dan beban provisi (Rp mil)
49.2% 50.4%
1.3% 1.9% 1.5% 1.8% 47.0% LaR Coverage
0.4% 44.5%
42.6%
CoC
999
715 749 780
249
Beban Provisi
3Q22 4Q22 1Q23 2Q23 3Q23 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23
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Posisi likuiditas dan permodalan yang kuat
Posisi pendanaan dan likuiditas yang sehat, % Permodalan yang kuat, jauh diatas batas minimum, %
21.0% 22.2% 21.3% 23.2% 23.8% KPMM/CAR
255.9% 260.2% 263.2%
252.4%
230.9% 22.1% 22.7% KPMM Tier-1
LCR 21.1%
19.9% 20.3%
213.66
198.31 195.72 192.56 191.97 RWA, Rp tn
116.0% 120.1% 117.8% 119.8% 119.2%
NSFR
86.9% 85.6% 82.2% 86.0% 86.4%
LDR
Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23
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2023 guidance
2022 Aktual 9M23 Aktual 2023 Guidance
Pertumbuhan Kredit 9.4% 5.2% 6% - 8%
NIM 4.69% 4.52% 4.45% - 4.55%
CoC 1.8% 1.2% 1.1% - 1.2%
CIR 44.9% 44.2% Below 45.0%
RoE # 12.6% 15.4% 14% - 16%
# Definisi OJK, ROE dihitung berdasarkan modal tier 1 17
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Lampiran
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Dewan Komisaris
GLENN M.S. YUSUF
DIDI SYAFRUDDIN YAHYA JEFFREY KAIRUPAN * SRI WIDOWATI
Wakil Presiden Komisaris
Presiden Komisaris Komisaris (Independen) Komisaris (Independen)
(Independen)
DATO’ ABDUL RAHMAN AHMAD VERA HANDAJANI FARINA J.SITUMORANG **
Komisaris Komisaris Komisaris (Independen)
*) Diangkat sebagai Komisaris Independen Senior melalui Keputusan Sirkular Dewan Komisaris CIMB Niaga No. 014/DEKOM/KP/VI/2019 pada tanggal 28 June 2019 19
**) Efektif setelah mendapat persetujuan OJK dan/atau terpenuhinya persyaratan yang ditetapkan dalam persetujuan OJK dimaksud..
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Direksi
LANI DARMAWAN LEE KAI KWONG JOHN SIMON FRANSISKA OEI PANDJI P. DJAJANEGARA
Presiden Direktur Direktur Strategi, Keuangan, & SPAPM Direktur Tresuri & Pasar Modal Direktur Kepatuhan, Corporate Direktur Perbankan Syariah
Affairs, & Hukum
TJIOE MEI TJUEN HENKY SULISTYO JONI RAINI RUSLY JOHANNES NOVIADY WAHYUDI
Direktur Operasional & IT Direktur Manajemen Risiko Direktur Sumber Daya Manusia Direktur Perbankan Bisnis Direktur Perbankan Konsumer
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Struktur perusahaan
Khazanah Employees Provident Kumpulan Wang
Permodalan Nasional Persaraan Lain-lain
Nasional Berhad Fund Berhad (Diperbadankan)
23.0% 15.8% 11.1% 6.1% 44.0%
CIMB Group Holdings Berhad
100.0%
Publik
CIMB Group Sdn Bhd
7.50% 92.50%*
83.28% 97.32%
Data per 30 September 2023. * termasuk PT Commerce Kapital 1.02% 21
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Kinerja saham dan peringkat perusahaan
Lambaga
160.mm Volume Share Pricing 1840 Kategori Peringkat
Pemeringkat
140.mm Outlook Positive
1640
120.mm
Counterparty Risk Rating Baa1/P-2
1440
100.mm
Bank Deposits Baa2/P-2
80.mm 1240
Moody's Baseline Credit Assessment Baa3
60.mm
1040
40.mm Adjusted Baseline Credit Assessment Baa2
840
20.mm Counterparty Risk Assessment Baa1(cr)/P-2(cr)
0 640
Issuer Rating Baa2
Jan-23
Jan-22
Jan-21
Oct-23
Apr-21
Oct-22
Apr-23
Oct-20
Oct-21
Apr-22
Jul-21
Jul-23
Jul-22
Corporate Rating idAAA/Stable
Data per 26 Oktober 2023 Shelf Registration Bond Rating idAAA
Harga saham Rp 1,675 / saham Pefindo
Subordinated Bonds IdAA
Jumah saham 25.13 miliar saham
Kapitalisasi pasar Rp 42.39 tn Sukuk Mudharabah idAAA(sy)
Sumber::Capital IQ 22
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Disclaimers
This Presentation is not intended to form the basis of any investment decision with respect to PT Bank CIMB Niaga Tbk (“CIMB Niaga” or the
“Company”), Neither this Presentation nor anything contained herein shall form the basis of, or be relied upon in connection with, any contract or
commitment whatsoever, This Presentation is based solely upon information, estimates and projections (the “Information”) of the Company, No
representation or warranty, express or implied, is or will be made by the Company in relation to, and no responsibility or liability is or will be
accepted by the Company as to the accuracy or completeness of, the Information or any other written or oral information made available, and any
liability therefore is hereby expressly disclaimed, The Company does not make any representation or warranty with respect to the accuracy or
completeness of the assumptions involved in producing this Presentation, The Company does not assume any responsibility for the independent
verification of the financial and other information contained in the assumptions, which are subject to business, economic and competitive uncertainties
and contingencies, Accordingly, no assurance can be given that any projections contained in the Information, this Presentation or underlying the
assumptions will be realized, Any variation between such projections and actual results may be material, This Presentation is necessarily based upon
financial, economic, market and other conditions as they exist and can be evaluated on the date hereof, This Presentation and its contents are strictly
confidential and must not be copied, reproduced, distributed, summarized, disclosed, referred to or passed to others at any time without the prior
written consent of the Company, In addition, organization changes over time often involved changes in the classifications across CIMB Niaga’s
current business segments which include consumer/retail, business and corporate. Due to rounding, numbers presented throughout this and other
documents may not add up precisely to the totals provided and percentages may not precisely reflect the absolute figures.
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Terima kasih!
PT Bank CIMB Niaga Tbk
Investor Relations
Graha CIMB Niaga
Jl. Jend. Sudirman No. Kav 58
Jakarta 12190 - Indonesia
Tel. : (62-21) 270 0555
Email : investor.relations@cimbniaga.co.id
Website : investor.cimbniaga.co.id
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