Pt Bank Central Asia Tbk · IDX:BBCA
Pt Bank Central Asia Tbk — 9M 2022 Earnings Presentation
27 slides from Pt Bank Central Asia Tbk's earnings presentation, Oct 20, 2022
Slide 1: 9M22 Results
PT Bank Central Asia Tbk 9M22 Results 20 October 2022
Slide 2: Agenda
Agenda • Macroeconomy & banking industry highlights • 9M22 performance overview • Sustainability finance and ESG • Share data, ratings & awards Analyst Meeting 9M-22 PT Bank Central Asia Tbk 2
Slide 3: Economic highlights
Economic highlights • Domestic growth remains robust, increasingly driven by Inflation and BI Rates (%) investment while consumption plateaus. • Indonesia’s current accounts remains resilient as a result of strong terms of trade. • Export could be weaker as global economy is projected to slow due to
Slide 4: Banking sector: loan growth momentum continues
Banking sector: loan growth momentum continues Banking Sector Financial Summary (%) • Loans increased 10.7% YoY driven by simultaneous recovery in (Rp trillion) Jun-21 Dec-21 Jun-22 ∆YoY ∆YtD across segments and economic sectors. Total Assets 9,411 10,112 10,309 9.5% 1.9% • With deposits grew at low
Slide 5: Agenda
Agenda • Macroeconomy & banking industry highlights • 9M22 performance overview • Sustainability finance and ESG • Share data, ratings & awards Analyst Meeting 9M-22 PT Bank Central Asia Tbk 5
Slide 6: Improved asset mix, higher contribution from loans and govt bonds
Improved asset mix, higher contribution from loans and govt bonds (Rp billion) Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 YoY YtD QoQ Total Assets 1,169,296 1,228,345 1,259,435 1,264,468 1,288,723 10.2% 4.9% 1.9% Secondary Reserves & 456,294 476,970 507,120 461,767 475,539 4.2% -0.3% 3.0% Marketable Securit
Slide 7: Top line growth owing to loan volume and higher yield in ST treasury assets
Top line growth owing to loan volume and higher yield in ST treasury assets (Rp billion) 9M-21 9M-22 YoY 1Q-22 2Q-22 3Q-22 QoQ Operating Income 57,606 62,755 8.9% 20,402 20,494 21,859 6.7% Net Interest Income 42,156 46,093 9.3% 14,483 15,291 16,319 6.7% Non Interest Income 15,451 16,663 7.8% 5,920 5
Slide 8: Key Ratios
Key Ratios Bank Only 9M-21 9M-22 ∆YoY 1Q-22 2Q-22 3Q-22 ∆QoQ NIM 5.2% 5.1% -0.1% 4.9% 5.0% 5.4% 0.4% COC 1.7% 0.8% -0.9% 1.9% 0.6% 0.0% -0.6% Risk Adjusted NIM 3.5% 4.3% 0.8% 3.0% 4.4% 5.4% 1.0% CIR 33.3% 34.5% 1.2% 35.8% 32.9% 34.8% 1.9% ROA (after tax) 2.9% 3.0% 0.1% 2.5% 3.2% 3.4% 0.2% ROE 18.7%
Slide 9: Business momentum across all categories
Business momentum across all categories Business Loans (Rp tn) - Consolidated Loan Breakdown (Rp bn) - Consolidated 323 Sep-21 Dec-21 Sep-22 ∆YoY ∆YtD ∆QoQ 290 W. Capital 281 (+11.2% YoY / +5.6% YtD / -1.0% QoQ) Corporate 269,882 286,490 306,065 13.4% 6.8% -1.3% 216 Commercial & SME 180,694 190,882
Slide 10: Consumer new booking remained high in 3Q
Consumer new booking remained high in 3Q 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 10.4% 4.8% 9.2% 6.5% 8.2% 9.8% 8.5% -1.4% 3.6% -7.3% 10.5 7.2 7.1 10.2 6.1 9.1 5.3 5.8 5
Slide 11: Well diversified loans. Quality remains in check
Well diversified loans. Quality remains in check Composition of BCA Business Loans by Sector (%) BCA Industry 23.3% 23.1% (Sep-22) (Jun-22) 18.8% 16.9% 11.8% 9.0% 7.0% 7.4% 5.3% 5.8% 6.2% 4.0% 3.1% 3.4% 1.8% 2.8% 1.6% 0.6% Manufacturing Trading Business Service Transportation Agriculture Constructio
Slide 12: LAR improved to 11.7%
LAR improved to 11.7% Loan Quality & Restructured Loans (Rp tn) - Bank Only Restru. Loans - Coll.1, LAR Coverage - Bank Only Rp trillion Dec-21 Sep-22 ∆YoY ∆YtD ∆QoQ 47.9% 49.9% Total Loans by Collectability (bank only): 44.7% 39.0% Current 594.7 636.3 13.4% 7.0% 1.1% LAR Cov. 35.1% Special Mentio
Slide 13: Ample coverage sustained
Ample coverage sustained 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% 2.4% 2.2% 2.3% 2.2% 2.2% 2.0% 2.0% 2.0% 1.8% 17.1 13.3 13.2
Slide 14: Strong growth in CASA. CASA Ratio at 81%
Strong growth in CASA. CASA Ratio at 81% Third Party Fund Composition (Rp bn) - Consolidated Third Party Funds (Rp bn) - Consolidated Savings Current Accounts Time Deposits Sep-21 Dec-21 Sep-22 ∆YoY ∆YtD CASA 721,799 767,012 830,447 15.1% 8.3% 1,011,043 1,025,528 997,761 Current Accounts 263,375 285
Slide 15: Digital capabilities deliver volume flow
Digital capabilities deliver volume flow No.of No.of transactions No. of mobile QRIS API trx vol. Customers mobile banking banking users Trx value 40% 2.4x 3.0x 6.3x 6.8x in 2 years in 2 years in 4 years in 2 years YoY Transaction Volume - Quarterly (million) YoY Transaction Value - (Rp tn) 3,936 49
Slide 16: Endless innovations contribute substantially
Endless innovations contribute substantially Credit Card Oneklik Transaction Trx value BI-Fast volume rose Wealth Mgt Transactions Total AUM rose rose 39% 3.2x in 2 years, as borders grew 4.2x transaction 58% YoY re-open QoQ value 2.5x Rising the bar for mobile & internet channels Trx. Volume Compos
Slide 17: 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 21,859 34.9% 35.8% 20,291 20,402 20,494 33.3% 34.3% 34.5% 19,118 70.5% 71.0% 74.6% 74.7% 1.9% 72.6% 1.7% 1.6% 1.2% 0.8% 27.4% 29.5% 29.0%
Slide 18: Agenda
Agenda • Macroeconomy & banking industry highlights • 9M22 performance overview • Sustainability finance and ESG • Share data, ratings & awards Analyst Meeting 9M-22 PT Bank Central Asia Tbk 18
Slide 19: ESG Financing grew 18.6% YoY
| 7 | 8 | 9 | 13 | 16 | | 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | | 3 | 4 | 5 | 8 | 9 | 10 | 13 | SUPPORT ON ESG Financing grew 18.6% YoY SDGs Committed to contribute to a lower carbon economy *) Reflecting the core subjects of corporate social responsibility Sustainable financing 3-Year growth 172.7
Slide 20: Promoting environmentally friendly operation
----------------------------------------------- | 7 | 8 | 9 | 13 | 16 | | 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | | 3 | 4 | 5 | 8 | 9 | 10 | 13 | SUPPORT ON Promoting environmentally friendly operation SDGs *) Reflecting the core subjects of corporate social responsibility 887 tCO2 eq of carbon savin
Slide 21: Social value initiatives
| 7 | 8 | 9 | 13 | 16 | | 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | | 3 | 4 | 5 | 8 | 9 | 10 | 13 | SUPPORT ON Social value initiatives SDGs *) Reflecting the core subjects of corporate social responsibility Contributing to public health, education, community welfare, MSMEs and cultural preservation Pu
Slide 22: ESG Rating & Awards
| 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | | 3 | 4 | 5 | 8 | 9 | 10 | 13 | SUPPORT O SDGs ESG Rating & Awards *) Reflecting the core subjects of corporate social responsibility MSCI Indonesia Index FTSE4Good ASEAN 5 Index Top 10 Constituents Top 10 Constituents “Best Bank in Indonesia” BCA constituent
Slide 23: Agenda
Agenda • Macroeconomy & banking industry highlights • 9M22 performance overview • Sustainability finance and ESG • Share data, ratings & awards Analyst Meeting 9M-22 PT Bank Central Asia Tbk 23
Slide 24: BCA share performance & rating
BCA share performance & rating BCA Shareholding Structure (30 September 2022) Performance BBCA vs IDX Finance Index (Relative price up to 10 Oct 2022 against 1 Jan 2018) Number Ownership 99.8% of Shares 100% Percentage 87.2% 90% 89.5% 80% 76.9% PT Dwimuria Investama Andalan * 67,729,950,000 54.94% 7
Slide 25: Awards and recognitions – 2022
Awards and recognitions – 2022 Best Bank Best Brand Public Relations ESG FinanceAsia Country PR Indonesia Awards 2022 Awards 2022 • Best Annual Report Indonesia CSR & TJSL Awards 2022 Best Domestic Bank • Best Video Company CSR Award in Bank Sector Industry 2022 in Indonesia Indonesia Millenial Wome
Slide 26: 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 27: Thank You
“~~ by your side Thank You