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AGENDA PEMBAHASAN
PUBLIC EXPOSE
PT BANK ARTHA GRAHA INTERNASIONAL Tbk
Jakarta, 26 Juni 2025
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AGENDA PEMBAHASAN KINERJA KEUANGAN PT BANK ARTHA GRAHA INTERNASIONAL Tbk
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KINERJA KEUANGAN Dalam Miliar Rp
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RASIO KEUANGAN
2023 2024 2025 2025
Rasio Desember Desember Maret Desember
Audited Audited Realisasi Target
CAR 24,96% 26,35% 25,34% 31,70%
ROA 0,60% 0,55% 0,25% 0,66%
ROE 4,24% 4,23% 2,07% 5,05%
NIM 5,58% 4,07% 2,77% 3,89%
NPL Gross 1,74% 2,40% 4,63% 2,14%
NPL Nett 0,31% 0,77% 2,74% 0,68%
BOPO 90,11% 90,32% 95,51% 90,61%
RIM 58,03% 55,26% 55,30% 61,82%
CASA 39,50% 34,96% 34,48% 39,41%
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AGENDA PEMBAHASAN DIGITAL BANKING PT BANK ARTHA GRAHA INTERNASIONAL Tbk
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Digital Implementation | 2024
Product Development 3rd Party Collaboration
1 Digital apps | Enhancement 1 Acquitition New Partners
Loyalti Point Biller (Shoppepay, Emoney Integrasi partner baru untuk fokus
Mandiri, DANA) Notifikasi Transaksi peningkatan transaksi
2 QRIS | Enhancement 2 Deepening Existing Partners
Fincloud | Digital Core Bulk Settlement Peningkatan volume transaksi dari partner
existing
3 Internet Banking Bisnis
MPN | Biller Bulk Upload (Transfer
Online | Overbooking) Multiapproval Program Aktivasi
Transaksi
1 PROGRAM AKTIVASI QRIS
Program peningkatan merchant aktif
dan transaksi QRIS :
a. Program Cashback 50 %
b. Merchant Juara
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Pertumbuhan Transaksi Digital | 2023 - 2024
Digital Apps QRIS Payment IBB ATM
1,7X 18 X 24 X 0,76 X
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IT & Digital Initiative | 2025
Acquisition | Activation | Revenue
Digital Apps Enhancement Payment Ecosystem B2B Partnership
Opening Deposito | Tabungan Pintar online | QRIS Cross Border | QRIS CPM | QRIS Tuntas | Investment Platform Customer Acquisition |
eKYC enhancement | Loyalty Point – Payment Direct Debit e-Commercer | POS System | QRIS Digital Lending (cash loan & BNPL)
with Point | Biller Enrichment | eStatement PDF B2B Partnership | VA Payment | BI-Fast/RTOL
| Cardless Cash Withdrawal Disbursement & Settlement
Main System IT
API
Cyber Security Payment System DC | DRC New API Fraud Detection System Core Banking
Names mentioned 1 people and organisations named in the text · linked when the evidence is strong
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