Pt Bank Central Asia Tbk · IDX:BBCA
Pt Bank Central Asia Tbk — H1 2025 Earnings Presentation
37 slides from Pt Bank Central Asia Tbk's earnings presentation, Jul 30, 2025
Slide 1: 1H25 Results
PT Bank Central Asia Tbk 1H25 Results 30 July 2025
Slide 2: Agenda
Agenda • Economic Highlights • Banking Industry Updates • 1H25 Performance Overview • Sustainable Finance and ESG • Share Data, Ratings & Awards Analyst Meeting 1H25 PT Bank Central Asia Tbk 2
Slide 3: Economic Highlights
Economic Highlights 1H25 Performance Sustainable Finance Share Data, Ratings Economic Highlights Banking Industry Updates Analyst Meeting 1H25 Overview & ESG & Awards PT Bank Central Asia Tbk 3
Slide 4: Economic highlights (1/2)
Economic highlights (1/2) 1 GDP grew at a moderate pace 2 Trade balance rebounded from low level in April 20 % YoY 8 USD Bn Indonesia nominal GDP growth 15 Trade Balance global trade impact from first proposal on US tariff 4,3 10 4 7,14 5 4,87 Indonesia real GDP growth Source: Statistics Indonesia S
Slide 5: Economic highlights (2/2)
Economic highlights (2/2) 5 ST sovereign rates started to come down 6 LT sovereign rates declined on stronger foreign flow 8% 17.000 8% bps 180 USD/IDR 16,393 10-year gov bond 7 5-year CDS 16.000 7,5 135 6 5.57 15.000 7 90 SRBI (1-year) 5.25 5 72.7 BI-Rate 14.000 6,5 6.54 45 4 Source: Bloo
Slide 6: Banking Industry Updates
Banking Industry Updates Banking Industry Updates 1H25 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 1H25 Economic Highlights PT Bank Central Asia Tbk 6 Overview & ESG & Awards
Slide 7: Banking industry (1/2)
Banking industry (1/2) 1 Money supply and deposits grew at a modest pace 2 Modest deposit growth & high LDR limit loan growth YoY Growth 18.1% 90.1% 90.3% LDR 13.6% 85.6% 14.0% 80.5% 79.4% 12.2% 9.4% 8.4% 4.8% 11.0% 10.3% 3.8% 9.7% 4.4% 4.9% M2 8.1% Loans YoY 3.5% 4.8% CASA 4.9% 2.9% 4.1% 3.8% Depos
Slide 8: Banking industry (2/2)
Banking industry (2/2) 5 Liquidity has slightly improved 6 Special Mention Loans is on the rise 400 7,0 4.7% SML O/S Repo INDONIA (Interbank Overnight Rate) 4.3% 350 6,5 4.1% 4.2% 300 Repo mkt has cooled 3.8% down; Indonia rate 6,0 250 declined 3.0% 200 5,5 150 5,2 2.4% 5,0 2.2% 2.2% NPL 2.1% 10
Slide 9: 1H25 Performance Overview
1H25 Performance Overview Banking Industry Updates 1H25 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 1H25 Economic Highlights PT Bank Central Asia Tbk 9 Overview & ESG & Awards
Slide 10: Loans grew 4% YtD, CASA rose 7.3% YoY
Loans grew 4% YtD, CASA rose 7.3% YoY Consolidated (Rp tn) Jun-24 Dec-24 Mar-25 Jun-25 YoY YtD QoQ Total Assets 1,425 1,449 1,534 1,504 5.5% 3.8% -1.9% Secondary Reserves & 447 422 462 433 -3.3% 2.4% -6.4% Marketable Securities Loans 850 922 941 959 12.9% 4.0% 1.9% Third Party Funds 1,125 1,13
Slide 11: NPAT rose 8.0% YoY underpinned by sound operating performance
NPAT rose 8.0% YoY underpinned by sound operating performance Consolidated (Rp tn) 1H-24 1H-25 YoY 1Q-25 2Q-25 QoQ Operating Income 52.2 56.2 7.8% 27.9 28.4 1.8% Net Interest Income 39.7 42.5 7.0% 21.1 21.4 1.6% Non Interest Income 12.4 13.7 10.6% 6.8 6.9 2.2% Fees and Commissions 9.1 9.9 9.5% 4
Slide 12: Key Ratios
Key Ratios Bank Only 1H-24 1H-25 YoY 1Q-25 2Q-25 QoQ NIM 5.7% 5.8% 0.1% 5.8% 5.8% 0.0% COC 0.3% 0.5% 0.2% 0.5% 0.5% 0.0% Risk Adjusted NIM 5.4% 5.3% -0.1% 5.3% 5.3% 0.0% Cost to Income* 30.5% 29.1% -1.4% 28.5% 29.8% 1.3% ROA** 3.8% 4.1% 0.3% 4.3% 3.9% -0.4% ROE** 24.8% 25.2% 0.4% 26.2% 24.2% -2.
Slide 13: Loan growth driven by business segment
Loan growth driven by business segment 1 Loan Composition by Segment (Rp tn) 2 Loan by Segment (Rp tn) Consumer SME Commercial Corporate Consolidated Dec-24 Jun-25 YoY YtD QoQ 921.9 941.2 959.2 849.8 877.2 Corporate 429.5 451.8 16.1% 5.2% 1.9% 46.3% 47.1% 47.1% 45.8% 45.1% Commercial 135.3 143
Slide 14: Corporate loans recorded solid growth
Corporate loans recorded solid growth 1 Investment Loan Facilities and Utilization Rate 2 Working Capital Loan Facilities and Utilization Rate • YtD rose 7.3% • Stable utilization rate (YoY) 82% 82% 81% 80% Utilization Rate (%) Utilization 79% 71% 69% 69% 69% 68% Rate (%) 314 315 Facilities (Rp tn)
Slide 15: SME loans: 11% YoY growth with higher utilization rate
SME loans: 11% YoY growth with higher utilization rate 1 BCA vs Industry SME Loan Growth (YoY) 2 BCA SME Loan Facilities and Utilization Rate 14,2% 14,8% 12,6% 12,9% 11,1% BCA 64% 64% 64% Utilization Rate (%) 63% 63% 6,7% Industry 4,1% 5,3% 5,3% 5,2% Ex Micro* 197 198 Loan Facilities (Rp tn) 194 YoY
Slide 16: Mortgages new booking rose 35% on quarter
Mortgages new booking rose 35% on quarter 1 BCA vs Industry Mortgages Growth (YoY) 2 BCA Mortgages New Booking and Runoffs (Rp tn) 13,3 12,0 11,6 10,5 BCA 8,2 8,3 8,2 7,5 7,8 8,0 Industry Ex. New Booking Subsidized* Run Off 2Q-24 3Q-24 4Q-24 1Q-25 2Q-25 Source industry: OJK (SPI), peer banks financi
Slide 17: Auto loans growth easing in line with the market
Auto loans growth easing in line with the market 1 BCA vs Industry Auto Loan Growth (YoY) 2 BCA Auto Loan New Booking and Runoffs (Rp tn) 18,4% 17,9% 14,8% 11,9 12,2 12,1 12,1 11,5% 12,3% 10,7 10,5 10,3 11,0% 9,5 10,1 8,6 7,9% 5,8% 5,2% BCA New Booking 4,3% Industry* Run Off Jun-24 Sep-24 Dec-24 Mar
Slide 18: Consolidated LAR stood at 5.8%
Consolidated LAR stood at 5.8% 1 Loan at Risk (LAR) (Rp tn) 2 Special Mention (Consolidated, Rp tn) 2.6% 2.4% Consolidated Dec-24 Jun-25 ∆YoY ∆YtD ∆QoQ 2.1% 2.1% 2.2% SML Ratio Current Restruct. 12.0 12.8 -4.4% 6.7% -24.3% 22.1 21.1 19.6 19.9 20.9 SML O/S Special Mention 19.6 20.9 -5.4% 6.5% 4.9% 58
Slide 19: CASA outgrew industry
CASA outgrew industry 1 Third Party Fund Composition (Rp tn) 2 Third Party Funds (Rp tn) Savings Current Accounts Time Deposits Consolidated Dec-24 Jun-25 YoY YtD QoQ 1,193.4 1,189.8 1,125.1 1,125.6 1,133.6 17.9% 17.5% CASA 924.0 982.1 7.3% 6.3% 0.3% 18.7% 18.7% 18.5% 32.1% 32.4% Current Accou
Slide 20: A Leading Franchise in Wealth Management
A Leading Franchise in Wealth Management Bank of Choice for Onshore Investments Invest Online with Ease via myBCA app • BCA is one of leading providers for onshore products (bonds Investment Features Online purchase of: and mutual funds) within myBCA app Primary Market Bonds • Strong distribution vi
Slide 21: Transaction volume rose 78% in 3 year
Transaction volume rose 78% in 3 year End-to-end Supply Chain 1H25 Supplier Principal Large-sized Distributor Mid-sized Distributor Retailer End customer No. of Customers Powered by Integrated and Trusted Channels 33.8 million +21% in 3 yrs 1 Online Business Banking 2 Merchant Point-of-Sales (POS) 3
Slide 22: Two leading mobile apps for customer choice
Two leading mobile apps for customer choice 1 Mobile & Internet Banking Trx Volume 2 Mobile & Internet Banking Trx Value BCA mobile myBCA Since 2011 Since 2021 YoY YoY 3 Mobile Banking Transaction per User >60% Account Opened via online in 1H25 25% 25% 25% YoY 18% Open Account on myBCA Popular mobil
Slide 23: Feature enrichments for better customer experience
Feature enrichments for better customer experience Popular features Recently-added features Multi-currency Wallet Financial Diary Access to BCA Sekuritas Portfolio Multi-currency wallet for Financial Records: View BCA Sekuritas foreign currency transactions Account Transfer Shopping • Real time noti
Slide 24: Comprehensive solutions for business banking
Comprehensive solutions for business banking B2B2C B2C A long-standing track record of online platform Constantly Enlarging the Acceptance Ecosystem • Ease in managing payments and transaction information FCY Transfer Forex Virtual Account One of the largest merchant Wide acceptance of Credit POS (P
Slide 25: Transformation of off-line channels to boost productivity
Transformation of off-line channels to boost productivity Branch presence and ~60% ~30% of total transactions at branch reduction in productivity is pivotal done via self-assisted machines transaction time given: • Rising number Self Assisted Machines In-person Banking of customers • Cash deposits a
Slide 26: Sustainable Finance and ESG
Sustainable Finance and ESG • Economic Aspect • Environment • Social • Governance Banking Industry Updates 1H25 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 1H25 Economic Highlights PT Bank Central Asia Tbk 26 Overview & ESG & Awards
Slide 27: Sustainable Financing grew 21% YoY
Sustainable Financing grew 21% YoY Sustainable Financing portfolio >> Tapping various opportunities : Outstanding (Rp Trillion) EV Financing Sustainability Linked Loan YoY 21.1% 240 Outstanding Outstanding 229 203 198 Rp 3,194 bn Rp 2,629 bn 184 Green 103 34.6% Financing 99 ▲ 118% YoY ▲ 8x YoY 82 87
Slide 28: Supporting MSME: From Incubation to Market Access
Supporting MSME : From Incubation to Market Access Special Program to Support Women Entrepreneurs BCA Special Multipurpose Loan Kartini Multipurpose Loan BCA Kartini Talkshow Ease of financial solution for women MSMEs through special rate loan. BCA Kartini Talkshow Talkshow event for 250 women entre
Slide 29: Managing Waste with Purpose: Environment & Social Impact
Managing Waste with Purpose : Environment & Social Impact (Jan - Jun 2025) Recycled waste Environmental Impact Expired Archives 400 tCO2eq 279 ton Carbon avoidance Electronic Waste Waste recycled from recycled waste Cards Social Impact Organic Supporting circular economy through local involvement No
Slide 30: Creating value beyond business by building trust and empowering lives
Creating value beyond business by building trust and empowering lives Expanding Access to Quality Education for Young Generations Financial Inclusion & Literacy for the Underserved BCA Business Case Competition Access to Products & services Financial Literacy for underserved Annual national competit
Slide 31: Recognitions of Good Governance and overall ESG
Recognitions of Good Governance and overall ESG ASEAN Corporate Governance MSCI Indonesia Index FTSE4Good ASEAN 5 Index Scorecard Rating Top 10 Constituents Top 10 Constituents 106,6 101,9 BCA constituents of: 85,2 • IDX ESG Leaders Index BCA 77,0 • SRI – KEHATI Index Average 67,0 70,0 • ESG Quality
Slide 32: Share Data, Ratings & Awards
Share Data, Ratings & Awards Banking Industry Updates 1H25 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 1H25 Economic Highlights PT Bank Central Asia Tbk 32 Overview & ESG &Awards
Slide 33: BCA share performance & rating
BCA share performance & rating BCA Shareholding Structure (30 June 2025) Performance BBCA vs IDX Finance Index Ownership (Relative price up to 29 Jul 2025 against 1 Jan 2018) Number of Shares 148.9% Percentage 150% BCA Share Price 135.7% PT Dwimuria Investama Andalan* 67,729,950,000 54.94% 130% 126.
Slide 34: Selected awards and recognitions - 2025
Selected awards and recognitions - 2025 Best Bank Time Magazine Asia-Pacific Best Companies of 2025 The Asian Banker Euromoney • #8 in Indonesia TAB Excellence in Retail Finance Private Banking Awards 2025 • #196 in Asia Pacific Awards 2025 • Indonesia’s Best Private Bank • #40 in Banking & Financia
Slide 35: Publications in BCA website
Publications in BCA website (www.bca.co.id) Scan QR or Click Image to access the file Audited / Long Corporate Presentations Form Reports Short Form Reports 30 Jun 2025 (tidak diaudit) PT Bank Central Asia Tbk Financial Statements 1H25 PT Bank Central Asia Tbk 1H25 Results 30 July 2025 Economic Repo
Slide 36: 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 37: Thank You
GA a Thank You