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Jakarta, October 31, 2024 – PT Bank OCBC NISP Tbk (OCBC) records a solid performance through the third quarter of 2024, marked by various significant milestones in the Bank's journey to provide comprehensive financial products and solutions for customers.
| Key Financial Performance as of 30 September in IDR trillion, except % |
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|---|---|---|---|
| Description | 2024 | 2023 | ∆% YoY |
| Net Income | 3.8 | 3.1 | 25% |
| Total Loans | 161.8 | 144.7 | 12% |
| Deposits | 199.4 | 184.3 | 8% |
| Total Assets | 287.0 | 247.0 | 16% |
| Total Equity | 39.9 | 36.0 | 11% |
The 25% YoY increase in net profit was driven by a 10% YoY increase in net interest income, in line with a decrease in the provision expense for impairment losses on financial assets.
Parwati Surjaudaja, President Director of OCBC, said, “Entering the third quarter of this year, the Bank has recorded a stronger and consistent growth. The 16% asset growth and 8% third-party funds growth reflect the growing confidence of customers in OCBC.”
Credit quality has also consistently improved, as seen from the Gross Non-Performing Loans and Loans at Risk each decreasing by 0.1% and 0.2%, respectively, bringing them to 1.8% and 5.6% in the third quarter of 2024. Retail loans grew by IDR 10.6 trillion or 21% YoY, and business banking loans grew by IDR 6.4 trillion or 7% YoY.
Moreover, the Return on Equity (ROE) increased to 13.9%. The Bank's liquidity condition is also healthy with a Liquidity Coverage Ratio (LCR) of 259.5%, far above the regulatory requirement.
In terms of financing, as of September 30, 2024, the Bank has disbursed sustainable financing amounting to IDR 35.54 trillion, of which 45.3% is in the form of sustainability-linked loan and green financing.
The number of OCBC transactions through e-channels, both for individuals and businesses, continues to increase, recording a growth of 58% YoY. Active users of internet banking and OCBC Mobile for individual customers increased by 30% YoY, while OCBC Business Mobile users for corporate saw a 30% YoY increase in user numbers and 64% YoY increase in transaction numbers.
Parwati continued, “The recent BI interest rate cut is expected to open up opportunities for the Bank to accelerate credit growth, to help foster economic growth. Adhering to the prudential principle, OCBC remains committed to supporting the aspirations of both individual and business customers.”
New Milestones: Becoming Stronger, More Relevant for Individual and Business Customers
Throughout the third quarter of 2024, OCBC has achieved various milestones in its effort to continue delivering comprehensive services to customers. As of September 1, 2024, the merger between PT Bank Commonwealth and PT Bank OCBC NISP Tbk has become effective, following approval from the Financial Services Authority (OJK). With this approval, both banks have unified under the entity of PT Bank OCBC NISP Tbk, and customers of PT Bank Commonwealth have automatically transitioned to becoming OCBC customers.
Furthermore, in an effort to become increasingly relevant to individual and business customers, OCBC continues to promote the spirit of #Financiallyfit for the youth and #BeraniNaikLevel for MSMEs. In August, OCBC launched two research in collaboration with NielsenIQ Indonesia, namely the 4th OCBC Financial Fitness Index and the 2nd OCBC Business Fitness Index. These research pieces provide insights into the financial behavior of individuals and MSMEs, serving as learning materials to better manage finances.
As the solution to the financial challenges of individuals and businesses, OCBC offers a variety of comprehensive financial services for individuals and businesses through Nyala and Nyala Business. Additionally, OCBC provides education through classes, articles, and guidebooks for individuals and businesses, accessible to everyone at RuangMenyala.com.
The complete Financial Fitness Index 2024 research can be downloaded here, and the Business Fitness Index 2024 here.
A brief financial report and ratios as of September 30, 2024, are presented in the attached factsheet.
About OCBC
PT Bank OCBC NISP Tbk ‘OCBC’ was established in Bandung in 1941 under the name Nederlandsch Indische Spaar en Deposito Bank. Over its 83 years of journey, the Bank has undergone several name changes, from 'Bank NISP' to 'Bank OCBC NISP', and 'OCBC' on November 14, 2023. As of September 30, 2024, OCBC serves customers through 207 office networks in 54 cities in Indonesia. Furthermore, customers could conduct transaction through the Bank's 534 ATM, more than 90,000 ATM networks in Indonesia, and connected to more than 580 OCBC Group ATM networks in Singapore and Malaysia. OCBC also serves customers through various digital channels, including mobile banking and internet banking – both for individuals and corporations. OCBC is one of the banks with the highest credit ratings in Indonesia, namely AAA(idn)/stable from PT Fitch Ratings Indonesia.
Brand & Communication Division, OCBC
OCBC Tower, Jl Prof Dr Satrio Kav 25, Jakarta 12940
Tel: 021- 25533888; Fax: (62)-021-57944000
Email: brand.communication@ocbc.id
Website: www.ocbc.id
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Aleta Hanafi Division Head aleta.hanafi@ocbc.id, Mobile: 62-8119860068 |
Chandra Novita Publicist chandra.novita@ocbc.id Mobile: 62-8111071069 |
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Nadya Maharani Publicist nadya.maharani@ocbc.id Mobile: 62-8118725945 |
Novi Henriatika Publicist novi.henriatika@ocbc.id Mobile: 62-8119812329 |
