Make Chills! Dozens or Even Hundreds of Snake Children Found in Fallen Tree Trunks
Not only snake children, dozens of eggs, both hatched and unhatched, were also found in the decaying tree trunk.
Dream - OCBC NISP Bank reported its financial performance for the first semester of 2023, recording a net profit of Rp2.1 trillion, growing 25 percent year on year (YoY).
The growth in net profit was driven by a 21 percent YoY increase in net interest income. In addition, it was also supported by the growth of retail and corporate banking, resulting in a 12 percent YoY increase in loans disbursed. Meanwhile, total assets reached Rp245 trillion, a 10 percent YoY increase.
The President Director of OCBC NISP Bank, Parwati Surjaudaja, stated that the company continues to strive to remain consistent in conducting business by achieving positive performance.
"This growth is driven by all business segments. The prudent management of the bank's credit shows positive prospects for the future," said Parwati in her official statement, quoted on Wednesday, August 2, 2023.
OCBC NISP Bank stated that the prudent management of the bank's credit is evident from the data showing provisions for Non-Performing Loans (NPL) remaining above 200 percent.
In addition, the bank's Gross Non-Performing Loans decreased to 2.3 percent. This figure is below the industry average, indicating that the bank is effectively managing its risks.
Regarding deposits, the bank's Third-Party Funds also grew by 4 percent YoY to Rp178 trillion, supported by a 19 percent growth in savings and a 9 percent growth in time deposits. In addition, the bank's CASA ratio remained stable at 54.8 percent.
"The growth in loans and third-party funds reflects the bank's sustainable focus on providing comprehensive financial solutions to its customers," the company wrote.
As a result, the Loan to Deposit Ratio (LDR) grew to 78.9 percent. This is in line with the increasing demand for financing driven by the recovery of the economy.
Furthermore, OCBC NISP Bank's wealth management business also grew by 7 percent YoY in the first semester of 2023 and contributed 33 percent to the bank's overall fee-based income.
Along with the 25 percent YoY increase in net profit, the Return on Equity (ROE) rose to 12.3 percent from 10.6 percent in the same period last year.
As for the Capital Adequacy Ratio (CAR), it stood at 23.2 percent, well above the minimum requirement.
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Not only snake children, dozens of eggs, both hatched and unhatched, were also found in the decaying tree trunk.
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