Pt Bank Central Asia Tbk · IDX:BBCA
Pt Bank Central Asia Tbk — Q1 2021 Earnings Presentation
28 slides from Pt Bank Central Asia Tbk's earnings presentation, Apr 22, 2021
Slide 1: 1Q21 Results
PT Bank Central Asia Tbk 1Q21 Results 22 April 2021
Slide 2: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA 1Q21 performance overview • Sustainability Finance and ESG • Share Data, Ratings & Awards Analyst Meeting 1Q-21 PT Bank Central Asia Tbk 2
Slide 3: Economic highlights
Economic highlights Always by your side Inflation and BI Rates (%) • Fiscal and monetary stimulus continues in 2021 and 7% expects no premature tightening. BI 7-day (Reverse) Repo Rate 6.00 6.00 6% 5.75 5.25 • Manufacturing PMI index strengthened in March, 5% 4.75 4.75 5.00 4.50 hinting stronger gro
Slide 4: Banking sector: strong liquidity, flat lending
Banking sector: strong liquidity, flat lending Always by your side Banking sector Financial Summary • A record low LDR since 2012 at 82.4% (Rp trillion) Jan-20 Dec-20 Jan-21 ∆YoY ∆YtD due to government spending and high saving rates. Total Assets 8,385 9,178 9,007 7.4% -1.9% • CASA grew strongly YoY
Slide 5: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA 1Q21 performance overview • Sustainability Finance and ESG • Share Data, Ratings & Awards Analyst Meeting 1Q-21 PT Bank Central Asia Tbk 5
Slide 6: Strong CASA franchise continues
Strong CASA franchise continues Always by your side (Rp billion) Mar-20 Mar-21 ∆YoY Jun-20 Sep-20 Dec-20 ∆QoQ Total Assets 972,930 1,090,382 12.1% 975,076 1,003,638 1,075,570 1.4% Secondary Reserves & 258,371 435,689 67.9% 307,769 353,793 408,197 6.7% Marketable Securities Loans (Consol) 612,164 586
Slide 7: Resilient PPOP
Resilient PPOP Always by your side (Rp billion) 1Q-20 1Q-21 ∆YoY 2Q-20 3Q-20 4Q-20 ∆QoQ Operating Income 19,479 19,086 -2.0% 18,099 18,317 18,862 1.2% Net Interest Income 13,682 14,132 3.3% 13,566 13,554 13,744 2.8% Non Interest Income 5,797 4,954 -14.5% 4,533 4,763 5,118 -3.2% Fees and Commissions
Slide 8: Key Ratios
Key Ratios Always by your side Bank Only 1Q-20 1Q-21 ∆YoY 2Q-20 3Q-20 4Q-20 ∆QoQ NIM 6.1% 5.3% -0.8% 5.8% 5.6% 5.4% -0.1% COC 1.1% 1.9% 0.8% 2.5% 1.8% 1.2% 0.7% Risk Adjusted NIM 5.0% 3.4% -1.6% 3.3% 3.8% 4.1% -0.7% CIR 51.8% 35.3% -16.5% 35.9% 32.1% 37.4% -2.1% ROA 3.2% 3.1% -0.1% 3.1% 3.9% 3.1% 0.
Slide 9: On quarter, lending flat and corp. bonds increased 6.9%
On quarter, lending flat and corp. bonds increased 6.9% Always by your side Business Loans (Rp tn) - Consolidated Loan Breakdown (Rp bn) - Consolidated 298 Mar-20 Dec-20 Mar-21 ∆YoY ∆QoQ 284 258 W. Capital Corporate 260,388 255,124 262,646 0.9% 2.9% (-4.8% YoY, -1.1% QoQ) Commercial & SME 191,173 18
Slide 10: Virtual expo to serve retail segment
Virtual expo to serve retail segment Always by your side 27 Feb – 27 Mar 21 No of Visitors Mortgages Auto Loans 1.2 mn Rp 15 tn appl. ± Rp 5 tn appl. Quarterly Mortgage New Booking & Run Off (Rp tn) Quarterly Vehicle New Booking & Run Off (Rp tn) New Booking Run Off YoY O/S Growth New Booking Run Of
Slide 11: Diversified loan portfolio with manageable NPL
Diversified loan portfolio with manageable NPL Always by your side Composition of BCA Business Loans by Sector (%) 22.9% 22.2% BCA Industry (Mar-21) (Jan-21) 19.2% 16.0% 12.8% 8.6% 6.4% 7.4% 6.2% 6.9% 4.9% 3.6% 2.6% 3.1% 2.2% 3.1% 2.3% 0.4% Trading Manufacturing Business Service Agriculture Transpor
Slide 12: Covid-19 restructuring dominates LAR
Covid-19 restructuring dominates LAR Always by your side Loan Quality & Restructure Loan (Rp tn) - Bank Only Current Restructure - include Covid -19, (Rp tn) - Bank Only Rp trillion Mar-20 Dec-20 Mar-21 ∆YoY ∆QoQ Corporate Commercial SME Consumer Total Loans by Collectability (bank only): Current 57
Slide 13: Asset quality and coverage trend
Asset quality and coverage trend Always by your side Special Mention Composition (% of Total SML, Rp tn) - Consolidated NPL Composition (% of Total NPL, Rp tn) - Consolidated Corporate Commercial & SME Consumer SML Ratio Corporate Commercial & SME Consumer NPL Ratio 2.6% 2.8% 2.5% 2.1% 2.3% 1.6% 1.9
Slide 14: Standout transaction banking franchise as the pillar of robust CASA
Always by your side Standout transaction banking franchise as the pillar of robust CASA Third Party Fund Composition (Rp bn) - Consolidated Third Party Funds (Rp bn) - Consolidated Mar-20 Dec-20 Mar-21 ∆YoY ∆QoQ Savings Current Accounts Time Deposits CASA 568,525 643,862 655,845 15.4% 1.9% 849,418 C
Slide 15: Digital transactions: exponential growth
Digital transactions: exponential growth Always by your side Transaction Volume - Quarterly (million) YoY Transactions Value - (Rp tn) Mobile 2,082 62% 1Q20 1Q21 ∆YoY 4Q20 1Q21 ∆QoQ Branch 3,509 3,096 -11.8% 3,232 3,096 -4.2% Banking 1,286 ATM 549 507 -7.7% 527 507 -3.9% Internet 951 28% 675 740 Int
Slide 16: Expanding ecosystem and collaboration
Expanding ecosystem and collaboration Always by your side Continuous innovation, expanding customer base, collaboration with e-commerce & fintech Entertainment Mobile Services Government Services Services Industry Value Chain Value Added Services Travel e-Commerce Services Ecosystem Rising the bar f
Slide 17: Profitability trend
Profitability trend Always by your side Profitability (Rp bn) - Consolidated NIM, Yield and Cost of Funds YtD - Bank Only Net Interest Income PPOP Earning Assets Yield Cost of Funds NIM Risk Adjusted NIM Non Interest Income Net Profit 6.13% 5.96% 5.83% 5.70% 5.30% 19,479 19,086 5.03% 4.20% 4.02% 4.0
Slide 18: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA 1Q21 performance overview • Sustainability Finance and ESG • Share Data, Ratings & Awards Analyst Meeting 1Q-21 PT Bank Central Asia Tbk 18
Slide 19: Sustainability Governance Framework
Sustainability Governance Framework Sustainable Finance Vision, Mission, Values SUSTAINABLE FINANCE VISION, MISSION, VALUES Pillar Responsible Sustainability Social Value Banking Culture Creation PILLAR Responsible Sustainability Social Value Banking Culture Creation • Responsible Financing • Fair O
Slide 20: Responsible Banking: Sustainable Finance Portfolio Rp. 126 Tn
Responsible Banking E S Sustainable Finance Portfolio Customer Data Privacy & Security Protection … continuous contribution in BCA data center Micro & SME segment received PCI DSS 21.4% Rp. 126Tn contribution to 3.2.1 certification BCA Loan Portfolio Rp. 76.5 Tn for global data +6.2% YoY security
Slide 21: Promoting Sustainability Culture
Promoting Sustainability Culture S Fair Operating Practices Good Labor Practices Environment • Certain level employees have filled annual disclosure regarding conflicts • Promoting SDGs of interest in the 2021 through BCA 2021 desk calendar • Employee education: mandatory • Desk calendars e-learning
Slide 22: Social Value Creation through “Bakti BCA” & “SYNRGY”
Social Value Creation through “Bakti BCA” & “SYNRGY” E Bakti BCA – Smart Solution S SYNRGY ACADEMY 3 Public Webinars Rp. 108 million cash prize to support education competition. BCA collaborated “Brain-Based Teacher” seminar 64 participants for SYNRGY ACADEMY with MGMP DKI Jakarta & PesonaEdu. for t
Slide 23: Achievements of Sustainability Governance
Achievements of Sustainability Governance G MSCI Indonesia Index FTSE4Good ASEAN 5 Index (SRI) KEHATI Index IDX ESG LEADERS Index Ranked 1st Ranked 3rd Constituent of Sustainable 1 of 30 Public Company Listed of Top 10 Constituents of Top 10 Constituents Investment CCC B BB BBB A AA AAA Last update:
Slide 24: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA 1Q21 performance overview • Sustainability Finance and ESG • Share Data, Rating & Awards Analyst Meeting 1Q-21 PT Bank Central Asia Tbk 24
Slide 25: BCA share performance & rating
BCA share performance & rating Always by your side BCA Shareholding Structure (as of 31 March 2021) Performance BBCA vs JAKFIN Index (Relative price up to 3 Mar 2021 against 16 Apr 2021) Number Ownership of Shares Percentage 70% 67.7% BCA Share Price 60% 57.0% PT Dwimuria Investama Andalan * 13,545,
Slide 26: Awards and recognitions - 2021
Awards and recognitions - 2021 Always by your side Best Brand Digital ESG Others Last update: 31 Mar 21 PR Indonesia Awards 2021 (PRIA) Indonesia Digital Innovation BCA – Most Popular National MSCI Indonesia Index Private Companies in Print Media Iconomics Marketing Brands Awards 2021 Rank 1 of Top
Slide 27: Awards and recognitions - 2020
Awards and recognitions - 2020 Always by your side Best Best Bank Digital ESG Others Brand Indonesia Financial Award 2020 Best of the Best Awards Awarded with the category of 2020 Combating COVID-19 Indonesia CSR PKBL Award 2020 • BCA – Top 50 Top 100 Most Valuable Global Companies for 2020 (Prosper
Slide 28: Thank you
Thank you DISCLAIMER: This report has been prepared by PT Bank Central Asia Tbk and is circulated for the purpose of general information only. Information is obtained from sources believed to be reliable. No warranty (expressed or implied) is made to the accuracy or completeness of the information.