Pt Bank Central Asia Tbk · IDX:BBCA
Pt Bank Central Asia Tbk — FY2020 Earnings Presentation
28 slides from Pt Bank Central Asia Tbk's earnings presentation, Feb 8, 2021
Slide 1: FY20 Results
PT Bank Central Asia Tbk FY20 Results 8 February 2021
Slide 2: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA FY20 performance overview • Sustainability Finance and ESG • Share Data, Ratings & Awards Analyst Meeting FY-20 PT Bank Central Asia Tbk 2
Slide 3: Economic highlights
Economic highlights Always by your side • As this year’s fiscal measures shifting the focus from social Inflation and BI Rates (%) spending to more capacity-building policies, government fiscal 7% stimulus remains a prominent catalyst to help buttress 6.00 6.00 Indonesia’s economic recovery. 6% BI 7
Slide 4: Banking sector: resilience despite challenging times
Banking sector: resilience despite challenging times Always by your side Banking sector Financial Summary • Macro-prudential policies and fiscal stimulus (Rp trillion) Nov-19 Dec-19 Mar-20 Jun-20 Nov-20 ∆YoY ∆YtD have helped support banks’ performance amidst the deterioration in economic Total Asset
Slide 5: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA FY20 performance overview • Sustainability Finance and ESG • Share Data, Ratings & Awards Analyst Meeting FY-20 PT Bank Central Asia Tbk 5
Slide 6: Strong CASA franchise continues
Strong CASA franchise continues Always by your side (Rp billion) Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 ∆YoY ∆QoQ Total Assets 918,989 972,930 975,076 1,003,638 1,075,570 17.0% 7.2% Secondary Reserves & Marketable 203,994 258,371 307,769 353,793 408,197 100.1% 15.4% Securities Loans (Bank Only) 588,251
Slide 7: Resilience PPOP despite pandemic year
Resilience PPOP despite pandemic year Always by your side (Rp billion) FY19 FY20 ∆YoY 1Q20 2Q20 3Q20 4Q20 ∆QoQ Operating Income 71,128 74,757 5.1% 19,479 18,099 18,317 18,862 3.0% Net Interest Income 50,824 54,547 7.3% 13,682 13,566 13,554 13,744 1.4% Non Interest Income 20,304 20,210 -0.5% 5,797 4,
Slide 8: Key Ratios
Key Ratios Always by your side Bank Only FY19 FY20 ∆YoY 1Q20 2Q20 3Q20 4Q20 ∆QoQ NIM 6.2% 5.7% -0.5% 6.1% 5.8% 5.6% 5.4% -0.2% COC 0.8% 1.7% 0.9% 1.1% 2.5% 1.8% 1.2% -0.6% Risk Adjusted NIM 5.4% 4.0% -1.4% 5.0% 3.3% 3.8% 4.1% 0.4% CIR 43.7% 37.4% -6.3% 51.8% 35.9% 32.1% 37.4% 5.3% ROA 4.0% 3.3% -0.7
Slide 9: Average loans grew by 4.7%
Average loans grew by 4.7% Always by your side Business Loans (Rp tn) - Consolidated Loan Breakdown (Rp bn) - Consolidated 298 Dec-19 Sep-20 Dec-20 ∆YoY ∆QoQ 291 289 287 283 281 265 268 W. Capital 258 (-1.4% YoY, 2.2% QoQ) Corporate 236,875 251,999 255,124 7.7% 1.2% Commercial 202,888 182,724 186,80
Slide 10: Virtual expo as new normal campaign
Virtual expo as new normal campaign Always by your side Mortgage - KPR Online Expo KKB BCA Virtual Autoshow • ~60 Developers • 200+ Projects • Major visitors came from Jabodetabek and Malang Mortgage • 76% were Gen Y and younger <44 y.o. KPR # Cust: KKB # Cust: BCA 111.5k BCA 459.2k Quarterly Mortga
Slide 11: Diversified loan portfolio with manageable NPL
Diversified loan portfolio with manageable NPL Always by your side Composition of BCA Business Loans by Sector (%) BCA Industry 23.9% (Dec-20) (Nov-20) 21.3% 19.3% 16.2% 13.2% 8.7% 6.1% 7.3% 5.8% 4.8% 6.9% 3.6% 2.6% 3.1% 2.4% 0.4% Trading, Restaurant Manufacturing Financial & Business Agriculture Tr
Slide 12: Covid-19 restructuring dominates LAR
Covid-19 restructuring dominates LAR Always by your side Loan Quality & Restructure Loan (Rp tn) - Bank Only Current Restructure - include Covid -19, (Rp tn) - Bank Only Rp trillion Dec-19 Jun-20 Sep-20 Dec-20 ∆YoY ∆QoQ Corporate Commercial SME Consumer Total Loans by Collectability (bank only): Cur
Slide 13: Asset quality and coverage trend
Asset quality and coverage trend Always by your side 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 2.6% 2.8% 2.1% 1.9% 2.3% 1.6% 1.8
Slide 14: Preeminence in transaction banking generates robust CASA
Preeminence in transaction banking generates robust CASA Always by your side Third Party Fund Composition (Rp bn) - Consolidated Third Party Funds (Rp bn) - Consolidated Dec-18 Dec-19 Dec-20 ∆YoY Savings Current Accounts Time Deposits CASA 483,933 532,013 643,862 21.0% 840,752 Current 167,268 185,72
Slide 15: Unparalleled growth of digital transactions
Unparalleled growth of digital transactions Always by your side Transaction Volume - Quarterly (million) Transactions Value - (Rp tn) Mobile 1,916 FY19 FY20 ∆YoY 3Q20 4Q20 ∆QoQ 56% YoY Branch 1,415 14,586 12,446 -14.7% 3,023 3,232 6.9% Banking 1,229 Internet ATM 2,322 2,020 -13.0% 497 527 6.0% 41% Y
Slide 16: Expanding ecosystem and collaboration
Expanding ecosystem and collaboration Always by your side Collaboration & Partnership with fin-tech, e-commerce, business communities and others Increasing Customer Base Online Account Opening via BCA Mobile Rolling Out ‘New Normal’ Products • “Lifestyle” mBCA feature, facilitating customers to buy
Slide 17: Profitability trend
Profitability trend Always by your side Profitability (Rp bn) - Consolidated NIM, Yield and Cost of Funds YtD - Bank Only Net Interest Income PPOP Earning Assets Yield Cost of Funds NIM Risk Adjusted NIM Non Interest Income Net Profit 6.24% 6.13% 5.96% 5.83% 5.70% 74,757 71,128 5.44% 5.03% 71.5% 40,
Slide 18: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA FY20 performance overview • Sustainability Finance and ESG • Share Data, Ratings & Awards Analyst Meeting FY-20 PT Bank Central Asia Tbk 18
Slide 19: Sustainability Governance Framework
Sustainability Governance Framework Sustainable Finance Vision, Mission, Values SUSTAINABLE FINANCE VISION, MISSION, VALUES Pillar Responsible Sustainability Social Value Banking Culture Creation PILLAR Responsible Sustainability Social Value Banking Culture Creation • Responsible Financing • Fair O
Slide 20: Responsible Banking: Sustainable Finance Portfolio Rp. 127 Tn
Responsible Banking E S Sustainable Finance Portfolio BCA’s Credit Policy No Exposure in: Rp. 127 Tn 21.6% Illegal logging +1.5% YoY contribution to … contribute to Micro & SME BCA Loan Portfolio Forced labor, child exploitation, human rights violation Covering Sustainable Sectors Rp. 77.2 Tn Narcot
Slide 21: Promoting Sustainability Culture
Promoting Sustainability Culture S Good Labor Practices Green Building Sustainability Awareness Campaign > 800 vendors participation Promoting value of Green Building Continuous Pursuit of Excellence 16,654 kWh electricity reduction using solar panels (reduced by almost 2.6x than BOD & Company Wide
Slide 22: Social Value Creation through Bakti BCA
Social Value Creation through “Bakti BCA” E Strong commitment of Corporate Social Responsibilities in education, health, nature S conservation, local community empowerment, tourism and digital / financial literacy NON-DEGREE EDUCATION PROGRAM BAKTI BCA SCHOLARSIP • Accounting: 396 participants • 790
Slide 23: Achievements of Sustainability Governance
Achievements of Sustainability Governance G MSCI Indonesia Index FTSE4Good ASEAN 5 Index (SRI) KEHATI Index Rank 1 of Top 10 Constituents Rank 2 of Top 10 Constituents Constituent of Sustainable Investment CCC B BB BBB A AA AAA Last update: 22 Des 20 Last update: 31 Des 20 Period: Dec 2020 - May 202
Slide 24: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA 9M20 performance overview • Sustainability Finance and ESG • Share Data, Rating & Awards Analyst Meeting FY-20 PT Bank Central Asia Tbk 24
Slide 25: BCA share performance & rating
BCA share performance & rating Always by your side BCA Shareholding Structure (as of 31 December 2020) Performance BBCA vs JAKFIN Index (Relative price up to 5 Feb 2021 against 1 Jan 2018) Number Ownership 57.0% 60% of Shares 57.9% Percentage BCA Share Price 50.7% 50% PT Dwimuria Investama Andalan *
Slide 26: Awards and recognitions - 2020
Awards and recognitions - 2020 Always by your side Best Bank Best Brand 2019 Sustainability Report certified by Best of the Best Awards 2020 Constituents Constituent of Sustainable SR ASIA • BCA – Top 50 Companies for 2020 (rank 16) World’s Top 10 strongest regional N Stars Index Investment (SRI) KE
Slide 27: Awards and recognitions - 2020
Awards and recognitions - 2020 Always by your side Gov’t Halo BCA Digital ESG Others Recognitions Call Center • Award winner Indonesia’s Most 2019 2019 Popular Digital Finance Brands Sustainability Sustainability Report Report CCC CCC BB BB BB BBB BBB AA AA AAA Award 2020 Last Lastupdate: update:Jun
Slide 28: Thank you
Thank you DISCLAIMER: This report has been prepared by PT Bank Central Asia Tbk and is circulated for the purpose of general information only. Information is obtained from sources believed to be reliable. No warranty (expressed or implied) is made to the accuracy or completeness of the information.