Pt Bank Central Asia Tbk · IDX:BBCA
Pt Bank Central Asia Tbk — 9M21 Earnings Presentation
32 slides from Pt Bank Central Asia Tbk's earnings presentation, Jan 24, 2023
Slide 1: PT Bank Central Asia Tbk 9M21 Results
PT Bank Central Asia Tbk 9M21 Results
Slide 2: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA 9M21 performance overview • Sustainability finance and ESG • Corporate updates • Share data, ratings & awards Analyst Meeting 9M-21 PT Bank Central Asia Tbk 2
Slide 3: Economic highlights
Economic highlights Always by your side Inflation and BI Rates (%) • The sharp decline in Indonesia’s Covid cases 7% BI 7-day (Reverse) Repo Rate bodes well for its economic recovery as mobility 6% 5.75 6.00 5.50 improves. 5.25 5.00 5% 4.75 4.75 4.50 • Vaccination continues to increase, where in 4.3
Slide 4: Banking sector: recovery on track
Banking sector: recovery on track Always by your side • Loan outstanding grew positive Banking Sector Financial Summary 2.2% YoY or 3.1% YtD, supported by (Rp trillion) Sep-20 Dec-20 Sep-21 ∆YoY ∆YtD working capital and consumer lending. Total Assets 9,062 9,178 9,735 7.4% 6.1% • Government continue
Slide 5: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA 9M21 performance overview • Sustainability finance and ESG • Corporate updates • Share data, ratings & awards Analyst Meeting 9M-21 PT Bank Central Asia Tbk 5
Slide 6: CASA grew strongly. Loan growth turned positive
CASA grew strongly. Loan growth turned positive Always by your side (Rp billion) Sep-20 Sep-21 ∆YoY Jun-21 Sep-21 ∆QoQ ∆YtD Total Assets 1,003,638 1,169,296 16.5% 1,129,497 1,169,296 3.5% 8.7% Secondary Reserves & Marketable Securities 355,671 456,294 28.3% 442,839 456,294 3.0% 11.8% Loans (Consol)
Slide 7: Resilient operating income and PPOP
Resilient operating income and PPOP Always by your side (Rp billion) 9M-20 9M-21 ∆YoY 1Q-21 2Q-21 3Q-21 ∆QoQ Operating Income 55,895 57,606 3.1% 19,086 19,402 19,118 -1.5% Net Interest Income 40,803 42,156 3.3% 14,132 14,146 13,878 -1.9% Non Interest Income 15,092 15,451 2.4% 4,954 5,256 5,240 -0.3%
Slide 8: Key Ratios
Key Ratios Always by your side Bank Only 9M-20 9M-21 ∆YoY 2Q-21 3Q-21 ∆QoQ NIM 5.8% 5.2% -0.6% 5.2% 5.0% -0.2% COC 1.8% 1.7% -0.1% 2.6% 0.8% -1.8% Risk Adjusted NIM 4.0% 3.5% -0.5% 2.6% 4.2% 1.6% CIR 37.4% 33.3% -4.1% 33.5% 31.4% -2.1% ROA 3.4% 3.5% 0.1% 3.2% 4.2% 1.0% ROE 16.9% 18.7% 1.8% 17.5% 22.
Slide 9: Loans and corporate bonds grew 4.5% YoY
Loans and corporate bonds grew 4.5% YoY Always by your side Business Loans (Rp tn) - Consolidated Loan Breakdown (Rp bn) - Consolidated Sep-20 Dec-20 Sep-21 ∆YoY ∆YtD 283 281 290 Corporate 251,999 255,124 269,891 7.1% 5.8% W. Capital (+3.3% YoY, +1.1%YtD, +2.7% QoQ) Commercial & SME 182,724 186,805
Slide 10: Virtual expo: tapping demand momentum in retail segment
Virtual expo: tapping demand momentum in retail segment Always by your side >300 Developers >170 Property agents 17 Car brand partners 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 Off YoY O/S Growt
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 (%) 23.1% 22.2% BCA Industry 19.4% (Sep-21) (Jul-21) 16.1% 13.5% 8.2% 7.4% 6.8% 6.8% 5.2% 5.7% 3.3% 2.3% 3.1% 2.1% 3.0% 2.6% 0.3% Manufacturing Trading Business Service Transportation Agric
Slide 12: Covid-19 restructuring turned lower
Covid-19 restructuring turned lower Always by your side Loan Quality & Restructured Loans Restructured Loans - Current Category (Rp tn) - Bank Only (Include Covid -19) Rp tn - Bank Only, Rp trillion Sep-20 Dec-20 Sep-21 ∆YoY ∆YtD ∆QoQ Corporate Commercial SME Consumer Total Loans by Collectability (
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 2.8% 2.8% 2.4% 2.4% 2.3% 2.5% 1.9
Slide 14: Standout transaction banking franchise as the pillar of robust CASA
Standout transaction banking franchise as the pillar of robust CASA Always by your side Third Party Fund Composition (Rp bn) - Consolidated Third Party Funds (Rp bn) - Consolidated Savings Current Accounts Time Deposits Sep-20 Dec-20 Sep-21 ∆YoY ∆YtD ∆QoQ CASA 596,558 643,862 721,799 21.0% 12.1% 3.5
Slide 15: Digital transactions: exponential growth
Digital transactions: exponential growth Always by your side Transaction Volume - Quarterly (million) YoY Transactions Value - (Rp tn) Mobile 2,640 55% 9M20 9M21 ∆YoY 2Q21 3Q21 ∆QoQ Branch 9,213 9,413 2.2% 3,227 3,090 -4.2% Banking 1,704 ATM 1,493 1,573 5.4% 534 533 -0.2% 1,054 Internet 1,093 29% 84
Slide 16: Expanding ecosystem and collaborations to boost online transactions
Expanding ecosystem and collaborations to boost online transactions Always by your side Download Download BCA ID 5 Yr account 1 bluSaving for single access to all history #Seamless accounts in one app solutions 10 purposes for merchants Buy VR Lifestyle Attractions Events Voucher Donations Zakat Sho
Slide 17: Profitability trend
Profitability trend Always by your side Operating Income (Rp bn) - Consolidated Cost to Income (CIR), Cost of Credit (CoC) - % YtD Bank Only Net Interest Income Non Interest Income CoC CIR 74,757 37.4% 37.4% 37.4% 71,128 34.4% 63,036 33.3% 55,895 57,606 71.5% 73.0% 71.9% 2.2% 73.0% 73.2% 1.8% 1.7% 1
Slide 18: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA 9M21 performance overview • Sustainability finance and ESG • Corporate updates • Share data, ratings & awards Analyst Meeting 9M-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
Responsible Banking E S Sustainable Finance Portfolio Rp. 143.1 tn Rp 61.2 tn Rp 81.9 tn Non Micro & SME Micro & SME Total SF Portfolio Consumer financing for solar +12.7% YtD 23.6% 42.7% +22.7% +6.2% 57.3% panel installation +25.6% YoY of Total Loans YtD of Total SF YtD of Total SF Digitalization B
Slide 21: Responsible Banking
Responsible Banking E S Data Security - Digitalization - Customer Trust Strengthen security system, increase reliability 2,488 PCI DSS 3.2.1 certification for BCA data center Business (global data security) Owner joined the ISO 20000-1:2018 for IT service management webinar ISO 9001:2015 for Network
Slide 22: Social Value Creation
Social Value Creation E S Covid-19 Assistance Smart Solution > 95% Employee vaccinated > 150,000 Doses of vaccine were given to employees, family members & communities Financial literacy & inclusion Rp47.1 bn total funds for Covid-19 assistance 18 universities, 20 schools, ‘Bakti BCA’ 935 students t
Slide 23: Promoting Sustainability Culture
Promoting Sustainability Culture S Human Rights & Good Labor Practices …. Continue to educate employee through various means: Promoting • Zoom webinar (8 batch) Gender Equality & • COP (community of Practice) (8 batch) • Instagram BCA Semua Beres Diversity • E-Learning (165 modules) • Regular & Non
Slide 24: Achievements of Sustainability Governance
Achievements of Sustainability Governance G MSCI Indonesia Index FTSE4Good ASEAN 5 Index (SRI) KEHATI Index IDX ESG LEADERS Index Rank 1 of Top 10 Constituents Rank 3 of Top 10 Constituents Constituent of Sustainable 1 of 30 Public Company Listed Investment CCC B BB BBB A AA AAA Last update: 21 Jun
Slide 25: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA 9M21 performance overview • Sustainability finance and ESG • Corporate updates • Share data, ratings & awards Analyst Meeting 9M-21 PT Bank Central Asia Tbk 25
Slide 26: Corporate updates
Corporate updates Always by your side Stock Split • BCA obtained EGMS approval for stock split on 23 September 2021, with ratio of 1 : 5. The shares trading with new nominal value started from 13 October 2021. Before After Nominal value per share Rp 62,50 Rp 12,50 No. of outstanding shares 24.655.01
Slide 27: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA 9M21 performance overview • Sustainability finance and ESG • Corporate updates • Share data, ratings & awards Analyst Meeting 9M-21 PT Bank Central Asia Tbk 27
Slide 28: BCA share performance & rating
BCA share performance & rating Always by your side BCA Shareholding Structure (as of 30 December 2021) Performance BBCA vs IDX Finance Index (Relative price up to 31 Dec 2021 against 1 Jan 2018) Number Ownership 90% of Shares Percentage 80% 76.9% BCA Share Price 67.7% 70% 66.7% PT Dwimuria Investama
Slide 29: Awards and recognitions - 2021
Awards and recognitions - 2021 Always by your side Best Best Bank Digital Brand Brand Finance Banking 500 2021 Indonesia Most Acclaimed Company 2nd Place on Top 10 Strongest Banking 2021 Brands (AAA+ rating) Indonesia Millennial Women Brand Iconomics Inspiring Women 2021 • Forbes' List of The World'
Slide 30: Awards and recognitions - 2021
Awards and recognitions - 2021 Always by your side ESG CSR Others ABF Wholesale Banking Award 2021 PR Indonesia Awards 2021 (PRIA) CLSA Ratings - Indonesia ESG CSR Brand Equity Awards 2021 API Project of The Year Most Popular National Private Companies Top 10 ESG Champion Period: 17 Mar – 14 Sep 202
Slide 31: Disclaimer
DISCLAIMER Always by your side This Presentation has been prepared by PT Bank Central Asia Tbk (“BCA”) for information purposes only. This Presentation including any information, estimation and/or projections contained herein or provided by BCA in any other written or verbal communication (the “Info
Slide 32: Thank You
Thank You