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Pembiayaan Baru Adira Finance Tumbuh 21% y/y di Semester I-2022

29 Juli 2022 | Penulis : Corporate Comm.

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Jakarta, 29 Juli 2022 - Pemulihan ekonomi domestik dari pandemi Covid-19 terjadi ditengah lingkungan global yang semakin menantang. Sebagai dampak atas terganggunya rantai pasokan di berbagai sektor, dan adanya pelonggaran kebijakan moneter serta ketegangan geopolitik menyebabkan melonjaknya inflasi global termasuk di Indonesia. Inflasi di Indonesia tercatat meningkat menjadi 4,4% y/y di bulan Juni 2022, dari sekitar 1,9% di Desember 2021.

Dalam merespon kenaikan inflasi tersebut, The FED telah memutuskan untuk menaikan suku bunga ke level 1,75% di Juni 2022 dari 0,25% di awal tahun 2022. Hingga Juni 2022, Bank Indonesia masih mempertahankan suku bunga 7-DRR sebesar 3,5% y/y meskipun pasar memperkirakan suku bunga dapat meningkat disepanjang semester II-2022.

Walaupun demikian, Kementerian Keuangan tetap optimis perekonomian domestik di kuartal II/2022 dapat tumbuh dikisaran 4,8%-5,3% y/y yang didorong oleh peningkatan konsumsi masyarakat selama bulan Ramadhan, peningkatan ekspor yang didorong dari harga komoditas yang relatif tinggi, dan makin membaiknya aktivitas ekonomi seiring makin terkendalinya pandemi Covid-19.

Di sepanjang 1H22, konsumen telah menikmati insentif Pajak Penjualan atas Barang Mewah atau PPNBM dimana insentif ini sebagian besar telah berakhir di 1H22. Oleh karena itu, penjualan ritel mobil baru domestik berhasil tumbuh signifikan sebesar 21% y/y menjadi 465 ribu unit. Kenaikan ini juga didorong membaiknya daya beli masyarakat di tengah momentum Ramadhan walaupun masih terjadi kesulitan stock karena kelangkaan microchip. Sementara penjualan motor domestik relatif stabil dikisaran 2,4 juta unit hingga Juni 2022.

“Sejalan dengan pencapaian kinerja industri otomotif, Adira Finance juga mencatatkan pembiayaan baru meningkat sebesar 21% y/y menjadi Rp14,3 triliun. Pembiayaan baru pada segmen mobil dan sepeda motor masing-masing meningkat sebesar 38% y/y dan 3% y/y di semester I-2022. Sehingga pangsa pasar kami di segmen sepeda motor baru mengalami kenaikan sebesar 30bps menjadi 9,2%, sementara pangsa pasar mobil baru relatif stabil menjadi 3,8%. Dengan demikian total piutang yang dikelola (termasuk porsi pembiayaan bersama) Perusahaan dapat dipertahankan menjadi sebesar Rp 41,1 triliun di 1H22.” Kata I Dewa Made Susila, Presiden Direktur.

“Pada Jakarta Fair Kemayoran 2022 yang diadakan pada 9 Juni -17 Juli 2022, Adira Finance ikut berpartisipasi dengan menawarkan berbagai program menarik di ajang tersebut yang meliputi beragam kebutuhan pembiayaan, mulai dari elektronik, otomotif serta beberapa kebutuhan lainnya. Disamping itu, Adira Finance juga menawarkan program trade in kepada konsumen sepanjang gelaran Jakarta Fair. Melalui program di Jakarta Fair Kemayoran 2022 ini diharapkan dapat mendukung pertumbuhan ekonomi Jakarta yang mulai berangsur pulih dari pandemic Covid-19.” Kata I Dewa Made Susila, Presiden Direktur.

Selain mendorong penjualan dari segmen otomotif, Perusahaan juga akan terus memperluas dan mengembangkan produk non-otomotif sebagai salah satu strategi Perusahaan dalam mengembangkan bisnis Adira Finance kedepannya. Melalui kampanye #diModalin, konsumen dapat memanfaatkan pinjaman dana multiguna untuk berbagai kebutuhan sesuai dengan siklus kehidupannya, seperti kebutuhan untuk pendidikan, pernikahan, kesehatan, renovasi rumah dan modal usaha, serta berbagai kebutuhan lainnya. Informasi lebih lanjut mengenai produk pinjaman dana multiguna, dapat mengunjungi adira.id/e/S1-2022-pr.

Per posisi Juni 2022, Rasio gross NPL konsolidasi membaik menjadi sebesar 2,0%, jika dibandingkan periode sama tahun lalu sebesar 3,2% yang didukung aktivitas ekonomi yang berangsur pulih sehingga mempengaruhi kapasitas pembayaran konsumen.

Adira Finance terus mencatatkan kinerja yang cukup baik hingga Juni 2022. Pendapatan bunga Perusahan meningkat sebesar 2% y/y menjadi Rp4,5 triliun, sementara beban bunga turun sekitar 6% y/y menjadi Rp1,6 triliun yang sejalan dengan adanya penurunan pada jumlah pinjaman dan biaya bunga. Sehingga, pendapatan bunga bersih meningkat sebesar 7% y/y menjadi Rp2,9 triliun dan margin bunga bersih meningkat dari 12,3% menjadi 14,4% di 6M22. Beban operasional tercatat naik sekitar 3% y/y sejalan dengan meningkatnya pertumbuhan bisnis Perusahaan, sementara cost of credit terus mengalami penurunan sebesar 36% y/y menjadi Rp525,8 miliar di 6M22. Sehingga Adira Finance membukukan laba bersih meningkat sebesar 40% y/y menjadi Rp661 miliar.

Hasilnya, Return on Asset (ROA) dan Return on Equity (ROE) Perusahaan masing-masing meningkat menjadi 5,4% dan 15,5%.

Dari sisi pendanaan, Perusahaan terus melakukan diversifikasi sumber pendanaannya melalui dukungan berkelanjutan dari pembiayaan bersama dengan Perusahaan induknya, Bank Danamon dan memperoleh pinjaman eksternal yang meliputi pinjaman bank dan obligasi. Per posisi Juni 2022, Pembiayaan Bersama mewakili 47% dari piutang yang dikelola. Sementara itu, total pinjaman eksternal Perusahaan di Juni 2022 turun 17% y/y menjadi Rp 11,1 triliun, terdiri dari pinjaman bank baik dalam negeri dan luar negeri dan obligasi, masing-masing memberikan kontribusi 34%:66%. Hasilnya, gearing ratio turun menjadi 1,2 kali dari sebelumnya 1,7 kali di 6M22, sehingga Perusahaan masih memiliki ruang gerak yang cukup besar untuk melakukan ekspansi bisnis ke depannya.

 

 

Jakarta, 29 July 2022 - The domestic economic recovery from the Covid-19 pandemic is still ongoing amid a challenging global environment. The global supply chain disruptions in various sectors, and the easing of monetary policy as well as geopolitical tensions have caused global inflation to soar, including in Indonesia. Inflation in Indonesia has increased to 4.4% y/y in June 2022, from around 1.9% in December 2021.

In response to this higher inflation, the FED has decided to raise interest rates to a level of 1.75% in June 2022 from 0.25% in early 2022. As of June 2022, Bank Indonesia still maintains the 7-DRR interest rate at 3.5% y/y although the market predicts that interest rates may be raised during semester II- 2022.

Nevertheless, the Ministry of Finance is optimistic that the domestic economy in the second quarter of 2022 can grow in the range of 4.8%-5.3% y/y driven by increased public consumption during the month of Ramadan, increased exports driven by relatively high commodity prices, and the improvement in economic activity in line with the more controlled Covid-19 pandemic environment.

Throughout the first half of 2022, consumers have enjoyed the incentives on Sales Tax on Luxury Goods (PPNBM incentives) of which most of these incentives have ended in 1H2022. Therefore, domestic retail sales of new cars managed to grow significantly by 21% y/y to 465 thousand units. This increase was also driven by the improvement in people's purchasing power in the midst of the Ramadan momentum, despite there were still vehicles stock difficulties due to the limited supply of microchips. Meanwhile, domestic motorcycle sales were relatively stable at around 2.4 million units as of June 2022.

“In line with the automotive industry performance, Adira Finance also recorded new financing growth of 21% y/y to Rp14.3 trillion. New financing in the car and motorcycle segments rose by 38% y/y and 3% y/y respectively in semester I-2022. As a result, our market share in the new motorcycle segment increased by 30bps to 9.2%, while the new car market share was relatively stable at 3.8%. Thus, the Company's total managed receivables (including the joint-financing portion) can be sustained at Rp41.1 trillion in 1H22.” Said I Dewa Made Susila, President Director.

“At the Jakarta Fair Kemayoran 2022 that was held on June 9 -17 July 2022, Adira Finance participated in such event by offering a variety of interesting programs covering various financing needs, ranging from electronics, automotive and several other needs. In addition, Adira Finance also offers a trade- in program to consumers during the Jakarta Fair. Through Jakarta Fair Kemayoran 2022 program, it is expected to help support Jakarta's economic growth that is starting to gradually recover from the Covid-19 pandemic." Said I Dewa Made Susila, President Director.

In addition to fostering sales from the automotive segment, the Company will also continue to expand and develop non-automotive products as one of the Company's strategies in developing Adira Finance's business in the future. Through the #diModalin campaign, consumers can take advantage of multipurpose loan for various life cycle needs, such as education, marriage, health, home renovation, working capital and other financing needs. For more information about multipurpose loan products, please visit adira.id/e/S1-2022-pr.

As of June 2022, the consolidated gross NPL ratio improved to 2.0%, compared to 3.2% in the same period last year, supported by gradual recovery in economic activity, which affected consumer payment capacity.

Adira Finance has continued to record relatively good performance as of June 2022. Our interest income rose by 2% y/y to Rp4.5 trillion, while interest expense decreased by 6% y/y to Rp1.6 trillion in line with a decrease in borrowing and cost of fund. As a result, net interest income increased by 7% y/y to Rp2.9 trillion and net interest margin rose from 12.3% to 14.4% in 6M22. Furthermore, operating expenses increased by 3% y/y in line with the Company's increasing business growth, while cost of credit continued to decline by 36% y/y to Rp525.8 billion in 6M22. As a result, Adira Finance posted net profit increased by 40% y/y to Rp661 billion. Thus, the Company's Return on Assets (ROA) and Return on Equity (ROE) increased to 5.4% and 15.5%, respectively.

In terms of funding, the Company has continued to diversify its funding sources through continuous support from joint financing with its parent company, Bank Danamon and obtaining external borrowings including bank loans and bonds. As of June 2022, joint financing represented 47% of managed receivables. Meanwhile, the Company's total external borrowings in June 2022 decreased by 17% y/y to Rp 11.1 trillion, consisting of bank loans comprising of onshore & offshore and bonds, each contributing 34%: 66%. As a result, the gearing ratio fell to 1.2 times from 1.7 times in 6M22. Hence, the Company still has an ample amount of room to expand its business going forward.

 

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