NSFR REPORT

Bank Name : PT Bank Mayapada Internasional Tbk

Position : March 2023

A. NSFR CALCULATION

ASF (Available Stable Funding)

(In Millions Rupiah)

Quarter 4 2022

Quarter 1 2023

ASF Component

Unweighted Value By Residual Maturity

Weighted

Unweighted Value By Residual Maturity

Weighted

No Specified

< 6 Months

< 6 Months -

≥ 1Year

No Specified

< 6 Months

< 6 Months -

≥ 1Year

Value

Value

Maturity¹

1 Year

Maturity¹

1 Year

1

Capital :

14.021.228

-

-

769.957

14.791.185

12.967.354

-

-

680.659

13.648.013

2

Regulatory Capital

14.021.228

-

-

769.957

14.791.185

12.967.354

-

-

680.659

13.648.013

3

Other capital instruments

-

-

-

-

-

-

-

-

-

-

4

Retail deposits and deposits from small business

10.428.009

68.102.595

1.874.450

39.273

72.406.025

11.864.089

71.482.583

1.913.570

110.917

76.847.565

customers

5

Stable deposits

40.677

3.392

-

-

41.866

40.479

8.118

-

-

46.168

6

Less stable deposits

10.387.332

68.099.203

1.874.450

39.273

72.364.159

11.823.610

71.474.465

1.913.570

110.917

76.801.397

7

Wholesale funding

3.896.746

32.250.834

268.529

14.624

14.047.156

3.248.139

33.060.067

297.961

25.203

14.341.690

8

Operational deposits

3.881.847

-

-

-

1.940.923

3.233.474

-

-

-

1.616.737

9

Other wholesale funding

14.900

32.250.834

268.529

14.624

12.106.233

14.665

33.060.067

297.961

25.203

12.724.953

10

Liabilities with matching interdependent assets

-

-

-

-

-

-

-

-

-

-

11

Other liabilities

1.247.966

-

1.357.066

-

12

NSFR derivative liabilities

13

All other liabilities and equity not included in the above

1.247.966

-

-

-

-

1.357.066

-

-

-

-

categories

14

Total ASF

101.244.366

104.837.268

RSF (Required Stable Funding)

(In Millions Rupiah)

Quarter 4 2022

Quarter 1 2023

Unweighted Value By Residual Maturity

Unweighted Value By Residual Maturity

Komponen RSF

No Specified

< 6 Months -

Weighted

No Specified

< 6 Months -

Weighted

< 6 Months

≥ 1Year

Value

< 6 Months

≥ 1Year

Value

Maturity¹

1 Year

Maturity¹

1 Year

15

Total NSFR HQLA

392.743

419.245

16

Deposits held at other financial institutions for

-

357.159

-

-

178.580

-

449.229

-

-

224.614

operational purposes

17

Performing loans and securities

-

35.954.616

24.190.495

31.817.399

56.918.530

-

34.648.276

30.841.553

29.460.766

57.609.348

18

Performing loans to financial institutions secured by Level

-

-

-

-

-

-

-

-

-

-

1 HQLA

Performing loans to financial institutions secured by non-

19

Level 1 HQLA and unsecured performing loans to financial

-

630.567

-

149.385

243.970

-

570.336

67.942

149.333

268.854

institutions

Performing loans to non- financial corporate clients,

20

loans to retail and small business customers, and loans to

-

35.323.979

24.188.362

31.644.055

56.653.617

-

34.077.857

30.773.599

29.290.106

57.322.318

sovereigns, central banks and PSEs, of which:

21

With a risk weight of less than or equal to 35% under the

-

-

-

-

-

-

-

-

-

-

Basel II Standardised Approach for credit risk

22

Performing residential mortgages, of which:

-

62

2.133

21.338

19.235

-

82

12

21.327

18.176

23

With a risk weight of less than or equal to 35% under the

-

8

-

2.621

1.708

-

-

-

-

-

Basel II Standardised Approach for credit risk

24

Securities that are not in default and do not qualify as

-

-

-

-

-

-

-

-

-

-

HQLA, including exchange-traded equities

25

Assets with matching interdependent liabilities

-

-

-

-

-

-

-

-

-

-

26

Other assets:

-

1.519.791

1.321

8.421.102

9.942.214

-

1.503.505

1.455

9.020.279

10.525.239

27

Physical traded commodities, including gold

-

-

-

-

28

Assets posted as initial margin for derivative contracts

-

-

-

-

-

-

-

-

and contributions to default funds of CCPs

29

NSFR derivative assets

-

-

-

-

-

-

-

-

30

NSFR derivative liabilities before deduction of variation

-

-

-

-

-

-

-

-

margin posted

31

All other assets not included in the above categories

-

1.519.791

1.321

8.421.102

9.942.214

-

1.503.505

1.455

9.020.279

10.525.239

32

Off-balance sheet items

2.204.452

1.439.957

583.298

211.385

2.232.069

1.444.321

585.580

213.098

33

Total RSF

67.643.451

68.991.545

34

Net Stable Funding Ratio (%)

149,67%

151,96%

¹ Components that are reported in a category with no maturity are components that do not have a contractual term, which:

permanent capital instruments (perpetual), short positions, open maturity positions, demand deposits, equities not included in the HQLA category and commodities

B. NSFR ANALYSIS

Analysis

Based on calculation, Bank Mayapada Net Stable Funding Ratio (NSFR) as of Quarter 1 2023 Increased by 2,28% from previous position (Quarter 4 2022) from 149,67% to 151,96%. The ratio is above minimum POJK requirement, which is minimum 100% of NSFR ratio as individual and consolidation.

NSFR Assessment Components:

NSFR Bank as of Quarter 1 2023 is from the comparison of Available Stable Funding (ASF) with Required Stable Funding (RSF) with the following details:

1. Bank Mayapada total ASF as of Quarter 1 2023 increased by 3,55% from previous position (Quarter 4 2022) from 101,24 trillion IDR to 104,84 trillion IDR after calculated with ASF weighted, with the following details:

  1. Capital decreased by 7,73% from previous position (Quarter 4 2022) from 14,79 trillion IDR to 13,65 trillion IDR (13,02% from total ASF).
  2. Retail (Individual) deposits increased by 6,13% from previous position (Quarter 4 2022) from 72,41 trillion IDR to 76,85 trillion IDR (73,30% from total ASF).
  3. Wholesale (Corporate) funding increased by 2,10% from previous position (Quarter 4 2022) from 14,05 trillion IDR to 14,34 trillion IDR (13,68% from total ASF).

ASF composition is dominated by Retail (Individual) from stable deposits and less stable deposit that consists with Current Account, Saving and Deposit that is, with stable deposit increased by 10,27% from previous position (Quarter 4 2022) from 41,87 billion IDR to 46,17 biillion IDR for less Stable Deposit increased by 6,13% from previous position (Quarter 4 2022) 72,36 trillion IDR to 76,80 trillion IDR.

2. Bank Mayapada total RSF as of Quarter 1 2023 increased by 1,99% from previous position (Quarter 4 2022) from 67,64 trillion IDR to 68,99 trillion IDR that consists from Assets from Balance Sheet and Off-Balance Sheet.

Assets from Balance Sheet increased by 2,00% from previous position (Quarter 4 2022) from

67,43 trillion IDR to 68,78 trillion IDR (99,69% from total RSF) which consists of:

  1. Total NSFR HQLA increased by 6,75% from previous position (Quarter 4 2022) from 392,74 billion IDR to 419,25 billion IDR (0,61% from total of Assets from balance sheet).
  1. Deposits held at other financial institutions for operational purposes increased by 25,78% from previous position (Quarter 4 2022) from 178,58 billion IDR to 224,61 billion IDR (0,33% from total of Assets from balance sheet).
  1. Loans in pass and special mention category and securities in pass and sub standard category increased by 1,21% from previous position (Quarter 4 2022) from 56,92 trillion IDR to 57,61 trillion IDR (83,76% from total of Assets from balance sheet) which consists of :
  1. Performing loans to financial institutions secured by non-Level 1 HQLA and unsecured performing loans to financial institutions increased by 10,20% from previous position (Quarter 4 2022) from 243,97 billion IDR to 268,85 billion IDR (0,47% from Total of Performing Loans and Securities).
  2. Performing loans to non-financial corporate clients, loans to retail and small business customers, and loans to sovereigns increased by 1,18% from previous position (Quarter 4 2022) from 56,65 trillion IDR to 57,32 trillion IDR (99,50% from Total of Performing Loans and Securities).
  3. Mortgages loan decreased by 13,21% from previous position (Quarter 4 2022)

from 20,94 billion IDR to 18,18 billion IDR (0,03% from Total of Performing Loans and Securities).

IV. Other Assets increased by 5,86% from previous position (Quarter 4 2022) from 9,94 trillion IDR to 10,53 trillion IDR (15,30% from total of Assets from Balance Sheet):

  1. Non performing loan decreased by 1,20% from previous position (Quarter 4 2022) from 1,53 trillion IDR to 1,52 trillion IDR (14,40% from Other Assets).
  2. Fixed Asset decreased by 0,69% from previous position (Quarter 4 2022) from 3,21 trillion IDR to 3,19 trillion IDR (30,30% from Other Assets).
  3. The other assets not included in the above categories increased by 12,00% from previous position (Quarter 4 2022) from 5,20 trillion IDR to 5,82 trillion IDR (55,30% from Other Asset).

Off-Balance Sheet transaction after RSF weighted percentage factor as of Quarter 1 2023 only consist of committed liabilities in credit and liquidity facilities that irrevocable or conditional revocable is increased by 0,20% from previous position (Quarter 4 2022) from 206,15 billion IDR to 206,57 billion IDR (0,30 % from Total RSF).

The compositions of RSF are dominated by Assets in Balance Sheet or 99,69% from total RSF with RSF calculation dominated by Loans in pass and special mention category and securities in pass and sub standard category that increased by 1,21% from previous position (Quarter 4 2022) from 56,92 trillion IDR to 57,61 trillion IDR or 83,76 % from total asset in balance sheet.

From above composition of assets and liabilities, the composition of NSFR ratio for interconnected Bank assets and liabilities are not as significant as assets and liabilities to each other under contractual agreements, the principal payment of related assets can be used only to repay the related liabilities and the related liabilities and the related liabilities that cannot be used for funding other assets as well as the correlation in transaction.

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Disclaimer

PT Bank Mayapada Internasional Tbk published this content on 26 June 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 26 June 2023 02:24:03 UTC.