Pt Bank Central Asia Tbk · IDX:BBCA
Pt Bank Central Asia Tbk — FY2022 Earnings Presentation
35 slides from Pt Bank Central Asia Tbk's earnings presentation, Jan 26, 2023
Slide 1: FY22 Results
PT Bank Central Asia Tbk FY22 Results 26 January 2023
Slide 2: Agenda
Agenda • Macroeconomy & banking industry highlights • FY22 performance overview • Sustainability finance and ESG • Share data, ratings & awards Analyst Meeting FY-22 PT Bank Central Asia Tbk 2
Slide 3: Macroeconomy & banking industry highlights
Macroeconomy & banking industry highlights Macroeconomy & FY22 Performance Sustainability Finance Share data, ratings Analyst Meeting FY-22 banking industry highlights Overview & ESG & awards PT Bank Central Asia Tbk 3
Slide 4: Economic highlights
Economic highlights Inflation and BI Rates (%) • Economy grows moderately on the back of resilient domestic 7% consumption, still one of the highest among major economies BI 7-day (Reverse) Repo Rate 6.00 5.95 6% 5.75 5.51 5.75 5.50 • Good terms of trade and trade surplus to continue in 2023 5.25 5.
Slide 5: Banking sector: sustained business momentum
Banking sector: sustained business momentum • Banking sector loans increased 11.0% YoY driven by Banking Sector Financial Summary (%) sustained business momentum across segments and (Rp trillion) Sep-21 Dec-21 Sep-22 ∆YoY ∆YtD economic sectors. Total Assets 9,735 10,112 10,488 7.7% 3.7% • Deposit gr
Slide 6: FY22 performance overview
FY22 performance overview Macroeconomy & FY22 Performance Sustainability Finance Share data, ratings Analyst Meeting FY-22 banking industry highlights Overview & ESG & awards PT Bank Central Asia Tbk 6
Slide 7: Strong loan expansion, normalized funding growth
Strong loan expansion, normalized funding growth (Rp billion) Dec-20 Dec-21 Sep-22 Dec-22 YoY QoQ Total Assets 1,075,570 1,228,345 1,288,723 1,314,732 7.0% 2.0% Secondary Reserves & 408,197 476,970 475,539 446,367 -6.4% -6.1% Marketable Securities Loans 588,672 636,987 681,983 711,262 11.7% 4.3% Thi
Slide 8: Robust all-round performance
Robust all-round performance (Rp billion) FY-20 FY-21 FY-22 YoY 1Q-22 2Q-22 3Q-22 4Q-22 QoQ Operating Income 74,757 77,897 86,817 11.5% 20,402 20,494 21,859 24,061 10.1% Net Interest Income 54,547 56,471 64,143 13.6% 14,483 15,291 16,319 18,051 10.6% Non Interest Income 20,210 21,427 22,673 5.8% 5,9
Slide 9: Key Ratios
Key Ratios Bank Only FY-20 FY-21 FY-22 ∆YoY 1Q-22 2Q-22 3Q-22 4Q-22 ∆QoQ NIM 5.7% 5.1% 5.3% 0.2% 4.9% 5.0% 5.4% 5.9% 0.5% COC 1.7% 1.6% 0.7% -0.9% 1.9% 0.6% 0.0% 0.4% 0.4% Risk Adjusted NIM 4.0% 3.5% 4.6% 1.1% 3.0% 4.4% 5.4% 5.5% 0.1% CIR 37.4% 34.9% 33.9% -1.0% 35.8% 32.9% 34.8% 32.5% -2.3% ROA (af
Slide 10: Broad-based loan increase
Broad-based loan increase Business Loans (Rp tn) - Consolidated Loan Breakdown (Rp bn) - Consolidated 337 Dec-21 Sep-22 Dec-22 ∆YoY ∆QoQ 306 287 W. Capital Corporate 286,490 306,065 322,176 12.5% 5.3% (+10.2% YoY, +4.3% QoQ) 226 Commercial & SME 190,882 203,547 210,162 10.1% 3.2% 203 179 Investment
Slide 11: Sound new booking in consumer lending
Sound new booking in consumer lending Mortgage New Booking & Run Off - Quarterly (Rp tn) Vehicle New Booking & Run Off – Quarterly (Rp tn) New Booking Run Off YoY O/S Growth New Booking Run Off YoY O/S Growth 9.8% 8.5% 10.4% 11.0% 9.2% 13.6% 8.2% 3.6% 4.8% -1.4% 10.2 10.5 10.0 9.2 9.1 7.2 7.0 7.2 7.
Slide 12: Loan diversification with intact quality
Loan diversification with intact quality Composition of BCA Business Loans by Sector (%) BCA Industry 22.9% 22.1% (Dec-22) (Aug-22) 18.8% 16.7% 13.1% 9.1% 6.6% 7.5% 5.8% 6.1% 5.0% 4.7% 2.6% 3.1% 3.6% 1.7% 1.5% 0.6% Manufacturing Trading Business Service Transportation Agriculture Construction Electr
Slide 13: LAR improved to 10.0%, a consistent downtrend
LAR improved to 10.0%, a consistent downtrend Loan Quality & Restructured Loans (Rp tn) - Bank Only Restru. Loans - Coll.1, LAR Coverage - Bank Only Rp trillion Dec-21 Sep-22 Dec-22 ∆YoY ∆QoQ 53.8% 49.9% Total Loans by Collectability (bank only): 47.9% 44.7% Current 594.7 636.3 667.7 12.3% 4.9% LAR
Slide 14: Ample credit coverage
Ample credit coverage 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 2.0% 2.0% 2.0% 1.8% 2.2% 2.3% 2.2% 2.2% 1.7% 1.7% 13.3 13.2 13.8 12.
Slide 15: CASA Ratio reached 81.6%
CASA Ratio reached 81.6% Third Party Fund Composition (Rp bn) - Consolidated Third Party Funds (Rp bn) - Consolidated Savings Current Accounts Time Deposits Dec-21 Sep-22 Dec-22 ∆YoY ∆QoQ CASA 767,012 830,447 847,938 10.6% 2.1% 1,025,528 1,039,718 997,761 1,011,043 975,949 Current Accounts 285,639 3
Slide 16: Digital transactions record new highs
Digital transactions record new highs No.of No.of transactions No. of mobile QRIS API trx vol. Customers mobile banking banking users Trx value 40% 2.4x 3.5x 5.5x 5.9x in 2 years in 2 years in 4 years in 2 years YoY Transaction Volume - Quarterly (million) FY-22 YoY Transaction Value - (Rp tn) 4,424
Slide 17: Continuous innovations
Continuous innovations Larger contact New Biometrics Integration of BI-Fast center supported Feature in EASILY Transactions Welma into >4 mn online myBCA and grew 42% myBCA account opening BCA mobile QoQ in FY22 Rising the bar for mobile & internet channels Trx. Volume Composition Mobile & Internet
Slide 18: Profitability trend
Profitability trend Quarterly Operating Income (Rp bn) - Consolidated Cost to Income & Cost of Credit - Bank Only Net Interest Income Non Interest Income CoC CIR 35.8% 24,061 34.9% 21,859 34.3% 34.5% 20,291 20,402 20,494 33.9% 75.0% 1.9% 70.5% 71.0% 74.6% 74.7% 1.6% 1.2% 0.8% 0.7% 29.5% 29.0% 25.4%
Slide 19: Dividend and Capital Management
Dividend and Capital Management Nominal Capital Growth (Rp tn) Dividend Payout Ratio (DPR) YoY 15.9% 14.0% 56.9% Growth 8.9% 8.3% 5.1% 47.9% 48.2% 221 204 178 187 156 Tier 2 32.4% 96.3% 96.3% 27.0% Tier 1 96.0% 96.3% 95.7% 2018 2019 2020 2021 2022 2017 2018 2019 2020 2021 RWA 652 722 695 758 822 •
Slide 20: Sustainability finance and ESG
Sustainability finance and ESG • Economic Aspect • Environment • Social • Governance Macroeconomy & FY22 Performance Sustainability Finance Share data, ratings Analyst Meeting FY-22 banking industry highlights Overview & ESG & awards PT Bank Central Asia Tbk 20
Slide 21: Sustainable financing grew 14.9% YoY
Economic Aspect Sustainable financing grew 14.9% YoY Sustainable Financing (Rp tn) Key Milestones up to 2022 Sustainable Financing % YoY Growth 25.0% 14.9% 13.7% ► Pursue sustainable financing opportunities to support lower 2.2% carbon economy. 183 159 125 128 ► Promote ESG by establishing responsib
Slide 22: Active sustainability initiatives across segments
Economic Aspect Active sustainability initiatives across segments » Increasing Exposure to MSME debtors » Financing to Palm Oil Farmers More Than 2x in Two Years +48% in Rp billion in 2 years 1,919 1,628 931 Cumulative no. of 181,738 149,362 MSME debtors 122,476 (incl. loan settled) Dec-20 Dec-21 De
Slide 23: Estimated carbon savings potential of 1,995.8 tCO2 eq, grew 124.8% YoY
Environment Estimated carbon savings potential of 1,995.8 tCO2 eq, grew 124.8% YoY Total potential savings: 1,995.8 tCO2eq >2x from 2021 A Waste Recycled Recycling Output Recycle & Waste Management 22.7 ton Plastic pellets, A EDC Machine + 5.2x YoY iron Potential savings of 348.9 tCO2eq 3.3 ton Tota
Slide 24: Digital banking contributed 73% to total carbon savings potential
Environment Digital banking contributed 73% to total carbon savings potential, grew 82.9% YoY Total potential savings: 1,995.8 tCO2eq >2x from 2021 B Transaction Volume – Quarterly (million) % of total trx Recycle & Waste (FY22) 6,178 Digital Management A 4,738 Channel 99.5% Potential savings of 3,3
Slide 25: Potential savings from green building & energy efficiency rose 152.8% YoY
Environment Potential savings from green building & energy efficiency rose 152.8% YoY Total potential savings: 1,995.8 tCO2eq >2x from 2021 C Recycle & Waste Management 2020 2021 2022 ► Installed solar panels in 4 buildings and EV A charging stations in 2 buildings. Potential savings of Electricity
Slide 26: Creating added values to wider communities and employees
Social Creating added values to wider communities and employees » Bringing positive impacts to external communities » To employees: inspired to be a workplace of choice Customer Satisfaction Metrics Spending on employee well-being 670 * ► Provides various benefits for employees (i.e. medical facilit
Slide 27: Strengthening corporate governance
Governance Strengthening corporate governance » Good governance for sustainable business practices Fair dealing applied to both internal & Preventing financial crimes by raising vendors (e.g. occupational health & Anti-corruption and anti-fraud awareness on anti-money laundering safety, human rights
Slide 28: 2023 Key Priorities
2023 Key Priorities Economic Environment Social Governance • Grow sustainable finance • Achieve higher carbon • Refresh Bakti BCA’s Impact • Develop Sustainable Finance portfolio emission reduction Focused Action Plan (RAKB) for 2024 – through digitalization 2028 • Integrate ESG risk • Support “Bang
Slide 29: ESG Rating & Awards
ESG Rating & Awards MSCI Indonesia Index “2nd Rank – Big Company FTSE4Good ASEAN 5 Index Category” Top 10 Constituents Top 10 Constituents Indonesia's SDGs Action BCA constituents of: Award 2022 • IDX ESG Leaders Index • SRI – KEHATI Index • ESG Quality 45 IDX – KEHATI “Sustainability Excellence • E
Slide 30: Share data, ratings & awards
Share data, ratings & awards Macroeconomy & FY22 Performance Sustainability Finance Share data, ratings Analyst Meeting FY-22 banking industry highlights Overview & ESG & awards PT Bank Central Asia Tbk 30
Slide 31: BCA share performance & rating
BCA share performance & rating BCA Shareholding Structure (31 December 2022) Performance BBCA vs IDX Finance Index (Relative price up to 12 Jan 2023 against 1 Jan 2018) Number Ownership 112.3% of Shares Percentage 110% BCA Share Price 87.2% PT Dwimuria Investama Andalan * 67,729,950,000 54.94% 90% 7
Slide 32: Awards and recognitions – 2022
Awards and recognitions – 2022 Best Bank Brand & Marketing CSR FinanceAsia Country Awards 2022 Best Domestic Bank Brand Finance Banking 500 2021 Indonesia CSR & TJSL Awards 2022 1st Place on Top 10 Strongest Banking Brands Indonesia Millenial Women Brand Choice CSR Award in Bank Sector Industry 2022
Slide 33: Awards and recognitions – 2022
Awards and recognitions – 2022 ESG Public Relations & Investor Relations Digital Indonesia's SDGs Action Award 2022 PR Indonesia Awards 2022 Digital CX Awards 2022 Category Big Company – 2nd rank • Best Annual Report Outstanding Digital CX SME • Best Video Company Profile Loan • Most Popular on Prin
Slide 34: DISCLAIMER
DISCLAIMER 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 “Information”) does not c
Slide 35: Thank You
“~~ by your side Thank You