14 OPTIMIZING DIGITAL ECOSYSTEM FOR EXCELLENT PERFORMANCE
PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
in billions of Rupiah
DESCRIPTION
2022
2021
2020
2019
2018
Net Interest Income
5,869
4,841
3,913
3,584
3,514
Non Interest Income
2,497
3,140
2,919
2,317
2,017
Operational Income - Neto
5,002
4,943
3,735
2,476
1,953
Income Before Tax & Minority Interest
5,028
4,953
3,715
2,508
2,002
Net Income
4,053
4,008
3,008
2,003
1,599
Total Comprehensive Profit
4,289
3,036
3,922
2,558
1,368
Basic Earnings per Share
345
341
432
288
230
NET INTEREST INCOME
NET INCOME
in billions of Rupiah
in billions of Rupiah
5,869
4,053
4,008
4,841
3,008
3,913
3,584
3,514
2,003
1,599
'22
'21
'20
'19
'18
'22
'21
'20
'19
'18
TOTAL COMPREHENSIVE PROFIT (LOSS)
in billions of Rupiah
4,289
3,922
3,036
2,558
1,368
'22
'21
'20
'19
'18
PT. BANK MEGA Tbk. 2022 ANNUAL REPORT 15
PERFORMANCE 2022
FINANCIAL HIGHLIGHTS
CASH FLOWS
in millions of Rupiah
DESCRIPTION
2022
2021
2020
2019
2018
Net cash provided by (used in) operating
15,561,226
10,932,709
(545,449)
3,649,734
(3,199,929)
activities
Net cash provided by (used in) investing
(13,408,173)
1,064,419
(4,932,652)
3,147,712
(5,496,493)
activities
Net cash used in financing activities
(1,228,837)
(2,095,950)
(670,350)
(799,650)
(793,800)
Net Increase (decrease) in cash and cash
1,924,216
9,901,178
(6,148,451)
5,997,796
(9,490,222)
equivalents
Cash and cash equivalents at the
17,592,335
7,691,157
13,839,608
7,841,812
17,332,034
beginning of the year
Cash and cash equivalents at the end of
19,516,551
17,592,335
7,691,157
13,839,608
7,841,812
the year
in percentage
DESCRIPTION
2022
2021
2020
2019
2018
Return on Assets (ROA)
4.00%
4.22%
3.64%
2.90%
2.47%
Return on Equity (ROE)
23.15%
23.49%
19.42%
14.85%
13.76%
Loan to Deposit Ratio (LDR)
68.04%
60.96%
60.04%
69.67%
67.23%
Non-Performing Loan (NPL) gross
1.23%
1.12%
1.39%
2.46%
1.60%
Capital Adequacy Ratio
25.41%
27.30%
31.04%
23.68%
22.79%
Liabilities on Equity
586.99%
594.10%
516.23%
548.59%
507.72%
Liabilities on Total Assests
85.44%
85.59%
83.77%
84.58%
83.55%
Operational Expenses on Operational
56.76%
56.06%
65.94%
74.10%
77.78%
Income
Net Interest Margin (NIM)
5.42%
4.75%
4.42%
4.90%
5.19%
ROA
ROE
NIM
in percentage
in percentage
in percentage
4.00
4.22
23.15
23.49
5.42
5.19
4.75
4.90
3.64
19.42
4.42
2.90
14.85 13.76
2.47
'22
'21
'20
'19
'18
'22
'21
'20
'19
'18
'22
'21
'20
'19
'18
16 OPTIMIZING DIGITAL ECOSYSTEM FOR EXCELLENT PERFORMANCE
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Disclaimer
PT Bank Mega Tbk published this content on 24 March 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 24 March 2023 10:21:34 UTC.
PT Bank Mega Tbk is an Indonesia-based company that is engaged in providing banking services. The Company's products and services include savings, loans, trade finance, services, cash payments, international transaction and treasury. Its savings products include savings, such as Mega Dana, Mega Maxi, Mega Berbagi, Mega Rencana, Mega Perdana, Mega Ultima, Mega Valas and TabunganKu; current accounts, such as Mega Pro, Mega Bisnis, Mega Pro Valas and Mega Bisnis Valas, and deposits, such as Mega Depo, Mega Depo Valas and Mega Depo on Call. Its loan products include working capital loans, investment loans, consumer loans and indirect channels. The Company's trade finance products include export products, import products and guarantee products. Its services include Mega ATM, Mega Pass, Mega Cash, Mega Auto Pay, Mega Internet, Mega Internet Bisnis, Mega Tax and Mega safe deposit box (SDB). Its cash payment products include Mega Infinite Card, Mega Travel Card and Mega Platinum Card.
PT BANK MEGA TBK 
