Pt Bank Central Asia Tbk · IDX:BBCA
Pt Bank Central Asia Tbk — Q1 2025 Earnings Presentation
38 slides from Pt Bank Central Asia Tbk's earnings presentation, Apr 23, 2025
Slide 1: 1Q25 Results
PT Bank Central Asia Tbk 1Q25 Results 23 April 2025
Slide 2: Agenda
Agenda • Economic Highlights • Banking Industry Updates • 1Q25 Performance Overview • Sustainable Finance and ESG • Share Data, Ratings & Awards Analyst Meeting 1Q25 PT Bank Central Asia Tbk 2
Slide 3: Economic Highlights
Economic Highlights 1Q25 Performance Sustainable Finance Share Data, Ratings Economic Highlights Banking Industry Updates Analyst Meeting 1Q25 Overview & ESG & Awards PT Bank Central Asia Tbk 3
Slide 4: Economic highlights (1/2)
Economic highlights (1/2) 1 Volatile ST rates signals liquidity tightness 2 LT rates are increasing along with global uncertainties 7 % 10 % bps 350 6.5 5.99% ID gov bond 10Y 300 6 9 5.75% Indo Govt Credit Default 5.5 250 Swap (CDS) 5Y 5 8 200 4.5 7.04% 150 4 7 ― BI Rate 114.5 3.5 100 ― O/N inte
Slide 5: Economic highlights (2/2)
Economic highlights (2/2) 5 Business transaction eased in recent months … 6 … and consumer spending has also been limited Index 125 index (Apr-22 = 100) 115 FY25 Eid al-Fitr cycle was BCA Consumer Spending Index 120 110 108.9 BCA Business Transaction Index lower than FY24 115 Apr-23 to Mar-24 108.6
Slide 6: Banking Industry Updates
Banking Industry Updates Banking Industry Updates 1Q25 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 1Q25 Economic Highlights PT Bank Central Asia Tbk 6 Overview & ESG & Awards
Slide 7: Banking industry (1/2)
Banking industry (1/2) 1 Liquidity remained relatively tight 2 Banking system deposits grew at a modest pace YoY Growth 89.0% LDR 82.5% 84.1% 18.1% 77.5% 79.0% 13.6% LDR remained elevated 13.7% 14.0% 12.5% 12.2% 11.1% 9.0% Secondary 8.4% 20.5% 17.2% Reserves to 3.7% 4.8% M2 16.1% 15.1% 14.0% Total A
Slide 8: Banking industry (2/2)
Banking industry (2/2) 5 Industry loans grew ~10% driven by major banks 6 Special Mention Loans is slightly on the rise YoY Growth 13.8% 4.4% 4.3% 12.4% 13.0% KBMI IV 4.1% 4.2% SML 3.8% 11.4% 10.7% 10.4% 10.4% Industry 3.1% 3.0% 10.0% 8.8% 2.4% 8.2% KBMI III 2.2% 7.7% 2.1% NPL 6.9% KBMI I & II 2022
Slide 9: 1Q25 Performance Overview
1Q25 Performance Overview Banking Industry Updates 1Q25 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 1Q25 Economic Highlights PT Bank Central Asia Tbk 9 Overview & ESG & Awards
Slide 10: Loans grew 12.6% YoY, CASA increased 8.3% YoY
Loans grew 12.6% YoY, CASA increased 8.3% YoY Consolidated (Rp tn) Mar-24 Mar-25 YoY Sep-24 Dec-24 QoQ Total Assets 1,444 1,534 6.2% 1,434 1,449 5.8% Secondary Reserves & 451 462 2.5% 438 422 9.5% Marketable Securities Loans 836 941 12.6% 877 922 2.1% Third Party Funds 1,121 1,193 6.5% 1,125 1,1
Slide 11: NPAT rose 9.8% YoY driven by solid operating performance
NPAT rose 9.8% YoY driven by solid operating performance Consolidated (Rp tn) 1Q-24 1Q-25 YoY 3Q-24 4Q-24 QoQ Operating Income 26.0 27.9 7.4% 27.6 27.5 1.5% Net Interest Income 19.7 21.1 7.1% 21.0 21.3 -1.1% Non Interest Income 6.3 6.8 8.1% 6.6 6.2 10.6% Fees and Commissions 4.5 4.8 8.3% 4.7 5.0
Slide 12: Key Ratios
Key Ratios Bank Only 1Q-24 1Q-25 YoY 3Q-24 4Q-24 QoQ NIM 5.6% 5.8% 0.2% 5.9% 6.0% -0.2% COC 0.4% 0.5% 0.1% 0.6% -0.1% 0.6% Risk Adjusted NIM 5.2% 5.3% 0.1% 5.3% 6.1% -0.8% Cost to Income* 32.4% 28.5% -3.9% 30.1% 35.0% -6.5% ROA** 3.6% 4.3% 0.7% 4.0% 4.1% 0.2% ROE** 22.7% 26.2% 3.5% 24.6% 24.2% 2
Slide 13: Loans grew across the board
Loans grew across the board 1 Loan Composition by Segment (Rp tn) 2 Loan by Segment (Rp tn) Consumer SME Commercial Corporate Consolidated Mar-24 Mar-25 YoY Dec-24 QoQ 921.9 941.2 849.8 877.2 835.7 Corporate 389.4 443.4 13.9% 429.5 3.3% 45.1% 46.3% 47.1% 46.6% 45.8% Commercial 125.0 137.4 9.9% 1
Slide 14: Corporate loans saw continued sound demand
Corporate loans saw continued sound demand 1 Investment Loan Facilities and Utilization Rate 2 Working Capital Loan Facilities and Utilization Rate • Investment loans maintained double-digit growth. • Softer utilization rate 81% 82% 82% 81% Utilization Rate (%) Utilization 79% 70% 71% 69% 68% 69% Ra
Slide 15: SME loans: continued double-digit growth, stable utilization rate
SME loans: continued double-digit growth, stable utilization rate 1 BCA vs Industry SME Loan Growth (YoY) 2 BCA SME Loan Facilities and Utilization Rate 14.2% 14.8% 13.3% 12.6% 12.9% BCA 64% 64% 63% 63% 63% Utilization Rate (%) 4.9% 5.3% 5.3% 5.2% Industry 197 Loan Facilities (Rp tn) 4.1% Ex Micro*
Slide 16: Mortgages posted a steady flow of new booking
Mortgages posted a steady flow of new booking 1 BCA vs Industry Mortgages Growth (YoY) 2 BCA Mortgages New Booking and Runoffs (Rp tn) 13.6% 13.7% 13.3 12.0 11.6 10.7% 11.2% 10.5% BCA 10.6% Industry Ex. 7.9 7.5 8.2 8.3 7.8 8.0 11.0% 10.8% 10.2% 7.3 Subsidized* New Booking Run Off Mar-24 Jun-24 Sep-2
Slide 17: Auto loans outgrew industry
Auto loans outgrew industry 1 BCA vs Industry Auto Loan Growth (YoY) 2 BCA Auto Loan New Booking and Runoffs (Rp tn) 22.2% 18.4% 17.9% 11.9 12.2 12.1 11.6 12.0 10.1 10.7 10.5 14.5% 14.8% 9.3 9.5 11.5% 12.3% BCA 11.0% 7.9% New Booking 7.5% Industry* Run Off Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 1Q-24 2Q
Slide 18: Consolidated LAR stood at 6.1%
Consolidated LAR stood at 6.1% 1 Loan at Risk (LAR) (Rp tn) 2 Special Mention (Consolidated, Rp tn) 2.5% 2.6% Consolidated Mar-24 Mar-25 ∆YoY Dec-24 ∆QoQ 2.4% 2.1% 2.1% SML Ratio Current Restruct. 17.1 16.9 -1.0% 12.0 40.9% 20.6 22.1 21.1 19.6 19.9 SML O/S Special Mention 20.6 19.9 -3.4% 19.6 1.5% 4
Slide 19: CASA posted a solid growth; AUM grew 33% YoY
CASA posted a solid growth; AUM grew 33% YoY 1 Third Party Fund Composition (Rp tn) 2 Third Party Funds (Rp tn) Savings Current Accounts Time Deposits Consolidated Mar-24 Mar-25 YoY Dec-24 QoQ 1,193.4 1,120.6 1,125.1 1,125.6 1,133.6 17.9% CASA 904.5 979.2 8.3% 924.0 6.0% 19.3% 18.7% 18.7% 18.5%
Slide 20: Investments: strong AUM growth
Investments: strong AUM growth A Leading Franchise in Wealth Management Invest Online with Ease via myBCA app • BCA is one of leading providers for onshore products Investment Features Online purchase of: within myBCA app • Strong distribution via branches and online channel Primary Market Bonds • B
Slide 21: Transaction volume rose 19% YoY
Transaction volume rose 19% YoY End-to-end Supply Chain 1Q25 Supplier Principal Large-sized Distributor Mid-sized Distributor Retailer End customer No of Customers 33.4 million Powered by Integrated and Trusted Channels (+7% YoY or +2x in 5 yr) 1 Online Business Banking 2 Merchant Point-of-Sales 3 T
Slide 22: Two leading mobile apps for customer choice
Two leading mobile apps for customer choice 1 Mobile Banking Trx per User 2 Mobile & Internet Banking Trx Volume BCA mobile myBCA Since 2011 Since 2021 40% 25% 25% 26% YoY 28% 18% 24% 22% YoY 2022 2023 2024 1Q25 2022 2023 2024 1Q25 3 Mobile & Internet Banking Trx Value ~63% Account Opened via online
Slide 23: Feature enrichments for better customer experience
Feature enrichments for better customer experience Transaction Enhancements Access Enhancements myBCA all-in-one Control NFC Tap to Pay Worldwide Access Control all products through myBCA Ease of payment by simply Access myBCA from Ease of access and control to debit and tapping to the EDC anywher
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 Wide acceptance of merchant POS (Point-of
Slide 25: Transformation of off-line channels to boost productivity
Transformation of off-line channels to boost productivity Branch presence and ~61% ~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 1Q25 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 1Q25 Economic Highlights PT Bank Central Asia Tbk 26 Overview & ESG & Awards
Slide 27: Sustainable Financing grew 19% YoY
Sustainable Financing grew 19% YoY BCA Portfolio on Sustainable Financing Highlights : Outstanding (Rp Trillion) >> Strong commitment in promoting Sustainable Palm Oil : YoY 229 235 19.0% 203 197 ISPO and/or RSPO Certifications Dec-20 Dec-24 184 # Palm Oil Corporate Debtors with Certifications 48 68
Slide 28: Cultivating the SDGs towards sustainable banking 2024 Achievements
Cultivating the SDGs towards sustainable banking 2024 Achievements 9 prioritized SDGs Deliverables: Providing Healthcare Assistance for Communities Implementing Environment-Friendly Operations 13,620 Patients served in BCA Assisted Clinics 2,211 Blood bag donations 12.5% Sustainable finance growth 1
Slide 29: Preserving the environment through waste management
Preserving the environment through waste management Recycled 1,700 tonnes of waste in 3 years Towards Zero Waste to Landfill : Recycle Various Types of Waste Potential emission 957.0 reduction 844.0 Archives & (ton CO2eq) Expired documents and calendars Documents 349.0 Unused EDC machines, ATM Cartr
Slide 30: Minimizing environmental footprint through green operations
Minimizing environmental footprint through green operations Lowering Energy Intensity Across Branch Network Accelerating Carbon Saving Initiatives Reducing 10% Energy Intensity Potential carbon saving from operational activities… (kWh/m2 of Building Size) (tCO2eq) 2023 2024 4 aspects towards green o
Slide 31: Creating value beyond business by building trust and empowering lives
Creating value beyond business by building trust and empowering lives Customer Engagement: Maintaining Service Excellence Empowering Communities for Economic Growth Customer Engagement Branch Service 30 Assisted villages across Indonesia 6 Assisted villages won Index (scale 5) Quality (scale 5) 2025
Slide 32: 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: • IDX ESG Leaders Index 85.2 BCA 77.0 • SRI – KEHATI Index Average 67.0 70.0 • ESG Quality
Slide 33: Share Data, Ratings & Awards
Share Data, Ratings & Awards Banking Industry Updates 1Q25 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 1Q25 Economic Highlights PT Bank Central Asia Tbk 33 Overview & ESG &Awards
Slide 34: BCA share performance & rating
BCA share performance & rating BCA Shareholding Structure (31 March 2025) Performance BBCA vs IDX Finance Index (Relative price up to 14 Apr 2025 against 1 Jan 2018) Number Ownership 148.9% of Shares Percentage 150% 135.7% BCA Share Price 130% 126.0% PT Dwimuria Investama Andalan * 67,729,950,000 54
Slide 35: 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 36: 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 31 Mar 2025 (tidak diaudit) PT Bank Central Asia Tbk Financial Statements 1Q-25 Economic Reports Annual Reports Sustainability (incl. GCG) Repo
Slide 37: 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 38: Thank You
SECA . Thank You