Pt Bank Central Asia Tbk · IDX:BBCA
Pt Bank Central Asia Tbk — H1 2022 Earnings Presentation
28 slides from Pt Bank Central Asia Tbk's earnings presentation, Jul 27, 2022
Slide 1: 1H22 Results
PT Bank Central Asia Tbk 1H22 Results 27 July 2022
Slide 2: Agenda
Agenda • Macroeconomy & banking industry highlights • 1H22 performance overview • Sustainability finance and ESG • Share data, ratings & awards Analyst Meeting 1H-22 PT Bank Central Asia Tbk 2
Slide 3: Economic highlights
Economic highlights Inflation and BI Rates (%) • Global conditions are becoming challenging, with tighter 7% liquidity, normalizing commodity prices, and slower global 6.00 BI 7-day (Reverse) Repo Rate growth prospect. 6% 5.25 5.75 5.50 5.00 5% 4.75 4.75 • Domestic growth demonstrated resilience, wi
Slide 4: Banking sector saw growth momentum
Banking sector saw growth momentum • Loans increased 6.7% YoY, as working capital credit recovered. Banking Sector Financial Summary (%) Economic cycle is back to normal, as shown on high spending (Rp trillion) Mar-21 Dec-21 Mar-22 ∆YoY during the recent Ramadan festive season. Total Assets 9,276 10
Slide 5: Agenda
Agenda • Macroeconomy & banking industry highlights • 1H22 performance overview • Sustainability finance and ESG • Share data, ratings & awards Analyst Meeting 1H-22 PT Bank Central Asia Tbk 5
Slide 6: Improved asset mix, solid CASA performance
Improved asset mix, solid CASA performance (Rp billion) Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 YoY YtD QoQ Total Assets 1,129,497 1,169,296 1,228,345 1,259,435 1,264,468 11.9% 2.9% 0.4% Secondary Reserves & 442,839 456,294 476,970 507,120 461,767 4.3% -3.2% -8.9% Marketable Securities Loans (Consol) 593
Slide 7: Top line progressing, robust NPAT
Top line progressing, robust NPAT (Rp billion) 1H-21 1H-22 YoY 4Q-21 1Q-22 2Q-22 QoQ Operating Income 38,488 40,896 6.3% 20,291 20,402 20,494 0.4% Net Interest Income 28,278 29,773 5.3% 14,315 14,483 15,291 5.6% Non Interest Income 10,210 11,123 8.9% 5,976 5,920 5,203 -12.1% Fees and Commissions 7,1
Slide 8: Key Ratios
Key Ratios Bank Only 1H-21 1H-22 ∆YoY 4Q-21 1Q-22 2Q-22 ∆QoQ NIM 5.3% 5.0% -0.3% 4.9% 4.9% 5.0% 0.1% COC 2.2% 1.2% -1.0% 1.1% 1.9% 0.6% -1.3% Risk Adjusted NIM 3.1% 3.8% 0.7% 3.8% 3.0% 4.4% 1.4% CIR 34.4% 34.3% -0.1% 39.4% 35.8% 32.9% -2.9% ROA 3.1% 3.5% 0.4% 3.2% 3.1% 3.9% 0.8% ROE 16.6% 19.6% 3.0%
Slide 9: Expansion in all segments as utilization heading up
Expansion in all segments as utilization heading up Business Loans (Rp tn) - Consolidated Loan Breakdown (Rp bn) - Consolidated 326 Dec-21 Jun-22 YoY YtD QoQ 289 283 Corporate 286,490 310,232 19.1% 8.3% 8.1% W. Capital (+15.3% YoY / +6.7% YtD / +8.3% QoQ) Commercial & SME 190,882 197,549 10.9% 3.5%
Slide 10: Consumer loans new booking rose 16% YoY for the first half
Consumer loans new booking rose 16% YoY for the first half 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 8.2% 9.8% 8.5% 3.6% 4.8% 6.5% -1.4% 2.9% -7.3% -13.9% 7.2 10.4 10.2 6.
Slide 11: Diversified portfolio, resilient asset quality
Diversified portfolio, resilient asset quality Composition of BCA Business Loans by Sector (%) BCA Industry (Jun-22) (Mar-22) 23.8% 22.1% 19.1% 16.6% 12.4% 8.7% 7.6% 7.0% 6.4% 5.1% 5.6% 4.0% 2.7% 3.0% 2.8% 2.1% 1.6% 0.6% Manufacturing Trading Business Service Transportation Agriculture Construction
Slide 12: LAR continue to improve at 12.3%
LAR continue to improve at 12.3% Loan Quality & Restructured Loans (Rp tn) - Bank Only Restru. Loans - Coll.1, LAR Coverage - Bank Only Rp trillion Dec-21 Jun-22 ∆YoY ∆YtD ∆QoQ 47.9% 44.7% Total Loans by Collectability (bank only): 39.0% 35.1% Current 594.7 629.2 14.4% 5.8% 6.1% LAR Cov. 32.0% Spe
Slide 13: Well-provisioned credit
Well-provisioned credit 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% 2.8% 2.4% 2.4% 2.2% 2.3% 2.2% 2.0% 2.0% 2.0% 17.0 17.1 13.3 1
Slide 14: CASA ratio 80.9%, CASA CAGR of 12% over a decade
CASA ratio 80.9%, CASA CAGR of 12% over a decade Third Party Fund Composition (Rp bn) - Consolidated Third Party Funds (Rp bn) - Consolidated Savings Current Accounts Time Deposits Jun-21 Dec-21 Jun-22 ∆YoY ∆YtD CASA 697,075 767,012 817,812 17.3% 6.6% 997,761 1,011,043 975,949 Current Accounts 248,2
Slide 15: Digital transactions undisputed growth
Digital transactions undisputed growth No.of No.of transactions No. of mobile QRIS API trx vol. Customers mobile banking banking users Trx value 37% 2.5x 33% 6.8x 7.8x in 2 years in 2 years in 2 years in 2 years YoY Transaction Volume - Quarterly (million) YoY Transaction Value - (Rp tn) 3,607 53% 1
Slide 16: Digital channels significant contributions
Digital channels significant contributions Rising the bar for mobile & internet channels Trx. Volume Composition Mobile & Internet Trx. Value Composition Mobile & Internet 58.2% 89.6% 86.7% 54.6% 83.2% 48.7% 49.7% 73.1% 43.0% 43.1% Branch 39.0% 25.2% ATM 35.9% 15.9% 12.6% 10.0% 8.3% 7.2% ATM 1.7% Br
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 34.9% 35.8% 20,291 20,402 20,494 34.4% 33.3% 34.3% 19,402 19,118 2.2% 72.9% 70.5% 71.0% 74.6% 1.9% 72.6% 1.7% 1.6% 1.2% 27.1% 27.4% 29.5%
Slide 18: Agenda
Agenda • Macroeconomy & banking industry highlights • 1H22 performance overview • Sustainability finance and ESG • Share data, ratings & awards Analyst Meeting 1H-22 PT Bank Central Asia Tbk 18
Slide 19: ESG Journey
Responsible Sustainability Social Value PILL Banking Culture Creation ESG Journey ----------------------------------------------- Responsible Financing ----------------------------------------------- ---------------------------------------- Education* Committed to contribute to the Indonesia’s visio
Slide 20: ESG Financing Highlights
| 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | | 3 | 4 | 5 | 8 | 9 | 10 | 13 | SUPPORT O SDGs ESG Financing Highlights *) Reflecting the core subjects of corporate social responsibility Sustainable Finance Portfolio Renewable Energy Financing Total capacity ~200 MW Rp. 169.5 Tn Rp 94.2 Micro & SME Tn Rp 7
Slide 21: Environment Highlights
| 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | | 3 | 4 | 5 | 8 | 9 | 10 | 13 | SUPPORT O SDGs Environment Highlights *) Reflecting the core subjects of corporate social responsibility Plant Trees for Better Tomorrow Waste Management Processing Non-Organic Waste Freed approx. Saved approx. Saved approx. Pr
Slide 22: Social Value Initiatives
| 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | | 3 | 4 | 5 | 8 | 9 | 10 | 13 | SUPPORT O SDGs Social Value Initiatives *) Reflecting the core subjects of corporate social responsibility Supporting Public Health Community Empowerment Quality Education 530 Vaccination centers BCA Scholarship during 2022 - 7
Slide 23: 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 BCA constituents of: • IDX ESG Leaders I
Slide 24: Agenda
Agenda • Macroeconomy & banking industry highlights • 1H22 performance overview • Sustainability finance and ESG • Share data, ratings & awards Analyst Meeting 1H-22 PT Bank Central Asia Tbk 24
Slide 25: BCA share performance & rating
BCA share performance & rating BCA Shareholding Structure (30 June 2022) Performance BBCA vs IDX Finance Index (Relative price up to 25 Jul 2022 against 1 Jan 2018) Number Ownership 90% 87.2% of Shares Percentage 80% 76.9% PT Dwimuria Investama Andalan * 67,729,950,000 54.94% 70% 67.7% 67.2% BCA Sha
Slide 26: Awards and recognitions – 2022
Awards and recognitions – 2022 Best Bank Best Brand Digital CSR FinanceAsia Country Awards 2022 Brand Finance Banking 500 2021 Best Domestic Bank Indonesia CSR & TJSL Awards 2022 1st Place on Top 10 Strongest in Indonesia CSR Award in Bank Sector Industry 2022 Banking Brands (AAA+ rating) Digital CX
Slide 27: 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 28: Thank You
“~~ by your side Thank You