Pt Bank Central Asia Tbk · IDX:BBCA
Pt Bank Central Asia Tbk — H1 2023 Earnings Presentation
33 slides from Pt Bank Central Asia Tbk's earnings presentation, Jul 24, 2023
Slide 1: PT Bank Central Asia Tbk 1H23 Results
PT Bank Central Asia Tbk 1H23 Results 24 July 2023
Slide 2: Agenda
Agenda • Macroeconomy & banking industry highlights • 1H23 performance overview • Sustainability finance and ESG • Share data, ratings & awards Analyst Meeting 1H-23 PT Bank Central Asia Tbk 2
Slide 3: Macroeconomy & banking industry highlights
Macroeconomy & banking industry highlights Macroeconomy & 1H23 Performance Sustainability Finance Share data, ratings Analyst Meeting 1H-23 banking industry highlights Overview & ESG & awards PT Bank Central Asia Tbk 3
Slide 4: Economic highlights
Economic highlights Inflation and BI Rates (%) • Indonesia economic growth remains one of the top performers 7% BI 7-day (Reverse) Repo Rate globally, despite challenging outlook worldwide. 5.75 6.00 5.95 6% 5.75 5.75 5.50 5.25 • Healthy FDI and capital inflows offset narrowing trade surplus. 5% 4.7
Slide 5: Banking sector delivers sustained growth
Banking sector delivers sustained growth Banking Sector Financial Summary (%) (Rp trillion) Apr-22 Dec-22 Apr-23 ∆YoY ∆YtD • Lending rose 8.1% YoY from across industries. Investment loans grew 10.1% while working capital increased by 6.6%. Total Assets 10,173 11,113 10,932 7.5% -1.6% Total Loans 5,9
Slide 6: 1H23 performance overview
1H23 performance overview Macroeconomy & 1H23 Performance Sustainability Finance Share data, ratings Analyst Meeting 1H-23 banking industry highlights Overview & ESG & awards PT Bank Central Asia Tbk 6
Slide 7: Loan expansion YoY and QoQ
Loan expansion YoY and QoQ (Rp tn) Jun-22 Dec-22 Mar-23 Jun-23 YoY YtD QoQ Total Assets 1,264 1,315 1,322 1,357 7.3% 3.2% 2.7% Secondary Reserves & 462 446 456 459 -0.6% 2.8% 0.6% Marketable Securities Loans 675 711 714 736 9.0% 3.5% 3.1% Third Party Funds 1,011 1,040 1,039 1,071 6.0% 3.0% 3.1% CASA
Slide 8: Sound operating results
Sound operating results (Rp billion) 1H-22 1H-23 YoY 1Q-23 2Q-23 QoQ Operating Income 40,896 49,270 20.5% 24,784 24,486 -1.2% Net Interest Income 29,773 37,104 24.6% 18,531 18,573 0.2% Non Interest Income 11,123 12,166 9.4% 6,253 5,913 -5.4% Fees and Commissions 8,171 8,615 5.4% 4,253 4,361 2.5% Tra
Slide 9: Key Ratios
Key Ratios Bank Only 1H-22 1H-23 ∆YoY 1Q-23 2Q-23 ∆QoQ NIM 5.0% 5.6% 0.6% 5.6% 5.5% -0.1% COC 1.2% 0.5% -0.7% 0.8% 0.1% -0.7% Risk Adjusted NIM 3.8% 5.1% 1.3% 4.8% 5.4% 0.6% CIR 34.3% 32.9% -1.4% 35.1% 31.2% -3.9% ROA (after tax) 2.8% 3.7% 0.9% 3.4% 3.9% 0.5% ROE 19.6% 24.2% 4.6% 22.3% 26.1% 3.8% CA
Slide 10: Broad-based loan growth continues
Broad-based loan growth continues Business Loans (Rp tn) - Consolidated Loan Breakdown (Rp bn) - Consolidated 344 326 Dec-22 Jun-23 ∆YoY ∆YtD ∆QoQ 283 W. Capital (+5.4% YoY, +2.0% YtD, +0.5% QoQ) Corporate 322,176 326,020 5.1% 1.2% 1.7% 234 209 Commercial & SME 210,319 219,182 10.9% 4.2% 3.7% 186 In
Slide 11: Strong consumer lending. New booking rose 21% YoY in 1H
Strong consumer lending. New booking rose 21% YoY in 1H Mortgage New Booking & Run Off - Quarterly (Rp tn) Vehicle New Booking & Run Off – Quarterly (Rp tn) Note: Bank Only runoff and new booking, Consolidated YoY growth Note: Bank Only runoff and new booking, Consolidated YoY growth • Precipitating
Slide 12: Diversified quality credit
Diversified quality credit Composition of BCA Business Loans by Sector (%) BCA Industry 22.4% (Jun-23) (Apr-23) 21.5% 18.2% 16.1% 13.9% 9.9% 6.5% 7.5% 6.2% 4.9% 5.1% 4.8% 3.6% 3.6% 1.6% 2.3% 1.6% 1.1% Trading Manufacturing Business Service Transportation Agriculture Construction Electricity, Social
Slide 13: LAR steadily improves to 8.7%
LAR steadily improves to 8.7% Loan Quality & Restructured Loans (Rp tn) - Bank Only Restru. Loans - Coll.1, LAR Coverage - Bank Only Rp trillion Dec-22 Jun-23 ∆YoY ∆YtD ∆QoQ Total Loans by Collectability (bank only): LAR Cov. Current 667.7 681.8 8.4% 2.1% 2.1% Special Mention 11.6 19.4 47.5% 67.0%
Slide 14: Robust coverage reflecting prudent measure
Robust coverage reflecting prudent measure Special Mention Composition (% of Total SML, Rp tn) Consolidated NPL Composition (% of Total NPL, Rp tn) Consolidated Note: The remaining contribution came from Sharia financing Note: The remaining contribution came from Sharia financing Loan Staging (Rp tn
Slide 15: CASA ratio stood at 80.7%
CASA ratio stood at 80.7% Third Party Fund Composition (Rp tn) - Consolidated Third Party Funds (Rp tn) - Consolidated Dec-22 Jun-23 ∆YoY ∆YtD ∆QoQ Current Accounts 324 329 7.9% 1.5% 2.6% Savings Accounts 524 536 4.5% 2.3% 2.5% CASA 848 865 5.7% 2.0% 2.5% Time Deposits 192 207 6.9% 7.7% 5.7% Third P
Slide 16: Stellar digital transactions
Stellar digital transactions % Individual No.of No.of transactions % Mobile Banking QRIS Online Cust. Customers mobile banking Users to CASA Acct. Trx Frequency Opening 41% 3.6x 80% 66% 4.2x in 2 years in 3 years in 1H-23 in 1H-23 YoY Strong Growth in Online Channels Trx. Frequency Composition Mobil
Slide 17: Two powerful apps for customer experience and reach
Two powerful apps for customer experience and reach Virtual Accounts Online Account Opening Cardless Cash Transfer Intra and Inter Bank Withdrawal via ATM QRIS, Customer Debit & Credit Card Activation, Present Mode QRIS PIN and Limit setting, Self Blocking for International & Domestic transactions B
Slide 18: Continue transform the way we deliver services & engagement
Continue transform the way we deliver services & engagement • Chip Card No of Customers (mn) Replacement • Passbook 30.1 • Cash Deposit, Printing 1.9x Withdrawal • Meet & Engage Spot Self Service 16.0 and Digital • Account Opening • Human + Digital Interactions Experience 1H-19 1H-23 • E-Channel • A
Slide 19: Solid earnings growth, higher payout ratio, elevated RoE
Solid earnings growth, higher payout ratio, elevated RoE 24.2% ROA, Dividend Payout Ratio (DPR) and ROE Nominal Capital Growth (Rp tn) 21.7% 24.2% 18.3% 24.2% 21.7% 21.7% NPAT YoY ROE 18.3% 18.3% 3.7% 3.2% Capital YoY ROA 2.8% 3.7% 3.2% 62.0% 3.7% Tier 2 2.8% 3.2% 2.8% 2021 56.9% 2022 1H23
Slide 20: Sustainability finance and ESG
Sustainability finance and ESG • Economic Aspect • Environment • Social • Governance Macroeconomy & 1H23 Performance Sustainability Finance Share data, ratings Analyst Meeting 1H-23 banking industry highlights Overview & ESG & awards PT Bank Central Asia Tbk 20
Slide 21: Sustainable financing grew 6.9% YoY
Economic Aspect Sustainable financing grew 6.9% YoY » Sustainable financing (in Rp trillion) » Key Highlights up to Jun-23 25.0% 14.9% 21.8% ► Pursue growth in sustainable financing : 2.2% 6.9% YoY develop financing portfolio for Electric Vehicles (EV). first sustainability-linked loan for a deb
Slide 22: Exploring opportunities in new areas
Economic Aspect Exploring opportunities in new areas » EV financing portfolio doubled QoQ » Empowering women entrepreneurs Loan outstanding for EV financing 2Q23 New Booking in Rp billion No. of women Loan O/S debtors to Woman Debtors Increased 44x YoY 751 Financing amount 40,630 Rp 13.8 tn Rp 555 b
Slide 23: Driving sustainable waste management practices towards larger scale
Environment Driving sustainable waste management practices towards larger scale FY21 FY22 YoY Total CO2 savings 888 1,996 125% 1H 2023 Key Achievements potential (ton eq.) A Waste Recycled Recycling Output Recycle & A Waste 0 349 N/A Non-Organic Plastic bags, paper, 19 ton Plastic pellets, Managemen
Slide 24: Offsetting carbon footprint through various initiatives
Environment Offsetting carbon footprint through various initiatives FY21 FY22 YoY Total CO2 savings 888 1,996 125% 1H 2023 Key Achievements potential (ton eq.) B Digital workplace Recycle & of transactions in 1H 2023 done 99.7% through digital channels (internal administration, approval mechanism, A
Slide 25: Creating lasting impact for human lives
Social Creating lasting impact for human lives » Select Community Empowerment Initiatives » BCA Berbagi Ilmu Program: Upholding Quality Education » Building Solar Fish Dryer facility for local fisherwomen community » Public lecture for university students ► Held in 5 universities across Indonesia. ►
Slide 26: Strengthening corporate governance
Governance Strengthening corporate governance » Good governance for sustainable business practices » Rising importance of IT Governance Enterprise Security Unit Fair dealing applied to both internal & vendors (e.g. human Data protection technologies to oversee the implementation rights, occupational
Slide 27: ESG Rating & Awards
ESG Rating & Awards Customer excellence MSCI Indonesia Index FTSE4Good ASEAN 5 Index recognition for passing Top 10 Constituents Top 10 Constituents 90th percentile of Gallup’s BCA constituents of: Global Customer • IDX ESG Leaders Index Engagement database • SRI – KEHATI Index • ESG Quality 45 IDX
Slide 28: Share data, ratings & awards
Share data, ratings & awards Macroeconomy & 1H23 Performance Sustainability Finance Share data, ratings Analyst Meeting 1H-23 banking industry highlights Overview & ESG & awards PT Bank Central Asia Tbk 28
Slide 29: BCA share performance & rating
BCA share performance & rating BCA Shareholding Structure (30 June 2023) Performance BBCA vs IDX Finance Index (Relative price up to 24 Jul 2023 against 1 Jan 2018) Number Ownership 112.3% of Shares 110% 108.3% Percentage BCA Share Price 87.2% PT Dwimuria Investama Andalan * 67,729,950,000 54.94% 90
Slide 30: Awards and recognitions - 2023
Awards and recognitions - 2023 Best Bank Brand & Marketing Asiamoney Private Banking 20th Infobank - MRI Banking Service Award 2023 Excellent 2023 2023 BrandZ Most Valuable Best for High Net Worth in BCA – Titanium Recognition – 15 Global Brand Most Valuable Indonesia Consecutive years In Service Gl
Slide 31: Awards and recognitions - 2023
Awards and recognitions - 2023 Customer Service CSR Public Relations Human Capital Fortune Indonesia Change HR Asia Award 2023 the World • HR Asia Best Companies to Change The World (Bakti BCA) Work for in Asia TM 2023 Gallup Global Customer Engagement PR Indonesia Award (PRIA) 2023 • HR Asia Digita
Slide 32: 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 33: Thank You
SECA . Thank You