ASOSIASI PERUSAHAAN PEMBIAYAAN INDONESIA

INDONESIAN FINANCIAL SERVICES ASSOCIATION

M U LTIFIN A N C E
O U TLO O K
2013
Dennis Firmansjah
Advisor, Indonesian Financial Services Association

IN D O N ES IA
M A C R O EC O N O M IC
C O N D ITIO N

M U LTIFIN A N C E
C O M PA N IES
P ER FO R M A N C E
S EP TEM B ER 2012

Multifinance Industry
Highlight

In million of USD

Descriptio Dec-05 Dec-06 Dec-07 Dec-08 Dec-09 Dec-10 Dec-11 Sep-12

n
No. Of
236
214
198
192
Companie
217
212
196
196
s
Total
10.034 11.463 13.396 17.732 18.362
30.672 35.266
Asset
24.242
Account
Receivab 6.996
9.803 11.335
15.004 19.616
14.446
25.821 31.288
le
Loans
6.334
6.887
8.155 11.564 10.733 15.296 19.713 22.191
Bonds
Paid in
Capital
Nett
Profit/
Loss

1.071

1.062

1.352

1.161

1.161

1.345

367

367
24

330

1.210
1.550
461

1.431
1.830
671

1.936
1.962
824

3.188

4.477

2.155

2.708

940

977

FINANCING ACTIVITIES
In million of USD
DETAIL

DecDec-06 Dec-07 Dec-08 Dec-09

05

DecDec-11 Sep-12
10

Leasing 2.010

3.436

3.840

5.335

4.898

5.597

149

137

232

234

213

242

412

429

186

155

152

98

92

6.074

7.112

Factoring
Credit
Card

Consume
4.652
r
Finance
TOTAL

6.996

121
8.757

8.062 11.316

9.795 13.686 17.346 19.543

9.803 11.335 14.446 15.004 19.616 25.821 31.288

25

Financing Activities Portfolio

35,000
30,000
25,000
20,000
15,000
10,000
5,000
-

2005

2006

2007

Leasing
Credit Card

2008

2009

2010

Factoring
Consumer Finance

2011 Sept'2012

NPL Multifinance
Financing Sector

Dec'2011

Sept'2012

Leasing

0.32%

0.29%

Factoring

2.81%

1.99%

NA

NA

Consumer Finance

1.59%

1.62%

Total

1.21%

1.14%

Credit Card

THE
RELATED
INDUSTRY

REVIEW OF CAR MARKET IN

INDONESIA

29

CAR 2012 PERFORMANCE

car sales
1,000,000
900,000
800,000
700,000
600,000
500,000
400,000
300,000
200,000
100,000
-

dec 05 dec 06 dec 07 dec 08 dec 09 dec 10 dec 11 Oct-12

30

MOTORCYCLES SALES
Motor sales
9,000,000
8,000,000
7,000,000
6,000,000
5,000,000
4,000,000
3,000,000
2,000,000
1,000,000
-

2005

2006

2007

2008

2009

2010
31

Oct
12
2011 41183

Data source PAABI

32

33
Data source PAABI

O P P O R TU N ITIES IN 2013
Indonesian economic growth is estimated
at 6.5%
High demand of transportation needs
Low Cost Green Car Program (LCGC)
Infrastructure Development

C H A LLEN G ES IN 2013
The plan to implement minimum down
payment for Sharia Financing
The Implementation of Fiduciary Regulation
Regulation on subsidized fuel restriction
The decreasing demand of coal and cpo
worldwide, and restriction of unprocessed
raw material/natural resources export will
impact HE/Trucks financing demands

TH A N K YO U