Pt Bank Central Asia Tbk · IDX:BBCA
Pt Bank Central Asia Tbk — FY2021 Earnings Presentation
31 slides from Pt Bank Central Asia Tbk's earnings presentation, Jan 24, 2023
Slide 1: FY21 Results
PT Bank Central Asia Tbk FY21 Results
Slide 2: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA FY21 performance overview • Sustainability finance and ESG • Share data, ratings & awards Analyst Meeting FY-21 PT Bank Central Asia Tbk 2
Slide 3: Economic highlights
Economic highlights Always by your side • Strong recovery in Q4-21 owing to post-Delta pent-up Inflation and BI Rates (%) demand and export windfall from strong commodity 7% BI 7-day (Reverse) Repo Rate prices. 5.75 6.00 6% 5.50 5.25 5.00 5% 4.75 4.75 4.50 • Omicron a concern due to rapid spread, bu
Slide 4: Banking sector: growth continues
Banking sector: growth continues Always by your side Banking Sector Financial Summary • Loans expanded 3.2% YoY, supported by working capital and consumer lending. (Rp trillion) Oct-20 Dec-20 Oct-21 ∆YoY ∆YtD Total Assets 9,074 9,178 9,824 8.3% 7.0% • Liquidity remains ample: Deposits rose 9.4% YoY,
Slide 5: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA FY21 performance overview • Sustainability finance and ESG • Share data, ratings & awards Analyst Meeting FY-21 PT Bank Central Asia Tbk 5
Slide 6: Loans grew 8.2% YoY. CASA remained robust
Loans grew 8.2% YoY. CASA remained robust Always by your side (Rp billion) Dec-20 Des-21 YoY Mar-21 Jun-21 Sep-21 QoQ Total Assets 1,075,570 1,228,345 14.2% 1,090,382 1,129,497 1,169,296 5.0% Secondary Reserves & 408,197 476,970 16.8% 435,689 442,839 456,294 4.5% Marketable Securities Loans (Consol)
Slide 7: Net profit rose 15.8% YoY. Resilient operating income
Net profit rose 15.8% YoY. Resilient operating income Always by your side (Rp billion) FY-20 FY-21 YoY 1Q-21 2Q-21 3Q-21 4Q-21 QoQ Operating Income 74,757 77,897 4.2% 19,086 19,402 19,118 20,291 6.1% Net Interest Income 54,547 56,471 3.5% 14,132 14,146 13,878 14,315 3.1% Non Interest Income 20,210 2
Slide 8: Key Ratios
Key Ratios Always by your side Bank Only FY-20 FY-21 ∆YoY 3Q-21 4Q-21 ∆QoQ NIM 5.7% 5.1% -0.6% 5.0% 4.9% -0.1% COC 1.7% 1.6% -0.1% 0.8% 1.1% 0.3% Risk Adjusted NIM 4.0% 3.5% -0.5% 4.2% 3.8% -0.4% CIR 37.4% 34.9% -2.5% 31.4% 39.4% 8.0% ROA 3.3% 3.4% 0.1% 4.2% 3.2% -1.0% ROE 16.5% 18.3% 1.8% 22.7% 16.
Slide 9: Growth momentum across all segments
Growth momentum across all segments Always by your side Business Loans (Rp tn) - Consolidated Loan Breakdown (Rp bn) - Consolidated 306 Dec-20 Sep-21 Dec-21 ∆YoY ∆QoQ 291 287 W. Capital Corporate 255,124 269,891 286,503 12.3% 6.2% (+6.4% YoY, +5.3% QoQ) 203 Commercial & SME 186,805 185,446 195,828 4
Slide 10: Mortgage new booking exceeds pre-pandemic level
Mortgage new booking exceeds pre-pandemic level Always by your side Quarterly Mortgage New Booking & Run Off (Rp tn) Quarterly Vehicle New Booking & Run Off (Rp tn) New Booking Run Off YoY O/S Growth New Booking Run Off YoY O/S Growth -2.4% 6.5% 8.2% -7.6% 2.9% -13.4% -3.7% -3.4% -22.6% -23.7% 10.4
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 (%) 23.4% BCA Industry 22.2% (Dec-21) (Oct-21) 19.2% 16.2% 12.9% 8.3% 7.5% 6.9% 5.8% 6.6% 5.3% 4.5% 2.0% 3.0% 3.1% 2.6% 1.8% 0.3% Manufacturing Trading Business Service Transportation Agric
Slide 12: Covid-19 restructuring continued improvements
Covid-19 restructuring continued improvements Always by your side Loan Quality & Restructured Loans Restructured Loans - Current Category, LAR Cov % (Rp tn) - Bank Only (Include Covid -19) Rp tn - Bank Only, Rp trillion Dec-20 Sep-21 Dec-21 ∆YoY ∆QoQ Total Loans by Collectability (bank only): LAR Co
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 2.8% 2.8% 2.4% 2.4% 2.2% 2.5% 1.8
Slide 14: CASA growth reflects strong transaction banking franchise
CASA growth reflects strong transaction banking franchise Always by your side Third Party Fund Composition (Rp bn) - Consolidated Third Party Funds (Rp bn) - Consolidated Dec-20 Sep-21 Dec-21 ∆YoY ∆QoQ Savings Current Accounts Time Deposits CASA 643,862 721,799 767,012 19.1% 6.3% 975,949 Current 229
Slide 15: Digital transactions grew exponentially
Digital transactions grew exponentially Always by your side No.of transactions No. of mobile Avg. online account API trx vol. mobile banking banking users opening/day 5.2x 2.8x 6.0x 5.6x in 3 years in 3 years in 2 years in 2 years Channel: ATM, mobile, internet, branch, Flazz, EDC Transaction Volume
Slide 16: Collaborations and innovations deliver results
Collaborations and innovations deliver results Always by your side Rising the bar for mobile & internet channels Trx. Volume Composition Trx. Value Composition Mobile & Internet 88.5% 56.5% Mobile & Internet 56.1% 84.7% 76.9% 53.1% 51.6% 68.7% 62.3% 48.6% 44.0% Branch 39.2% 41.6% 34.9% 38.0% 29.0% 3
Slide 17: Profitability trend
Profitability trend Always by your side Operating Income (Rp bn) - Consolidated Cost to Income (CIR), Cost of Credit (CoC) - % YtD Bank Only Net Interest Income Non Interest Income CoC CIR 77,855 37.4% 37.4% 71,128 74,757 34.9% 34.4% 33.3% 63,036 56,984 73.0% 72.5% 71.5% 71.9% 2.2% 73.5% 1.7% 1.7% 1
Slide 18: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA FY21 performance overview • Sustainability finance and ESG • Share data, ratings & awards Analyst Meeting FY-21 PT Bank Central Asia Tbk 18
Slide 19: Growing Sustainable Finance Portfolio
| 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | | 3 | 4 | 5 | 8 | 9 | 10 | 13 | SUPPORT O SDGs Growing Sustainable Finance Portfolio *) Reflecting the core subjects of corporate social responsibility Sustainable Finance Portfolio Supporting MSME economic recovery … Rp. 154.4 Tn Rp 66.2 Non Micro & SME Tn R
Slide 20: 2021 ESG - Environmental Initiatives
| 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | | 3 | 4 | 5 | 8 | 9 | 10 | 13 | SUPPORT O SDGs 2021 ESG - Environmental Initiatives *) Reflecting the core subjects of corporate social responsibility Carbon Saving Initiatives 887.8 tCO2 eq carbon reduction Digital Banking Product & Solution > 1,000 Agents
Slide 21: 2021 ESG - Social Value Initiatives
| 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | | 3 | 4 | 5 | 8 | 9 | 10 | 13 | SUPPORT O SDGs 2021 ESG - Social Value Initiatives *) Reflecting the core subjects of corporate social responsibility Total Rp. 136.2 Bn allocated for Social Value Initiatives Supporting Public Health Community Empowerment on T
Slide 22: 2021 ESG - Social Value Initiatives
| 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | | 3 | 4 | 5 | 8 | 9 | 10 | 13 | SUPPORT O SDGs 2021 ESG - Social Value Initiatives *) Reflecting the core subjects of corporate social responsibility Deepening Financial Literacy & Quality Education Financial Literation participants: Webinar participants: Bak
Slide 23: 2021 ESG - Ratings & Certifications
| 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | | 3 | 4 | 5 | 8 | 9 | 10 | 13 | SUPPORT O SDGs 2021 ESG - Ratings & Certifications *) Reflecting the core subjects of corporate social responsibility 6 certifications MSCI Indonesia Index FTSE4Good ASEAN 5 Index Top 8 Constituents Top 10 Constituents IT & Dat
Slide 24: 2021 ESG - Awards & Recognitions
| 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | | 3 | 4 | 5 | 8 | 9 | 10 | 13 | SUPPORT O SDGs 2021 ESG - Awards & Recognitions *) Reflecting the core subjects of corporate social responsibility Managing Creating Driving Excellent Shared Innovation Contact Value Center 2 innovation awards 10 times winner B
Slide 25: Agenda
Agenda Always by your side • Macroeconomy & banking industry highlights • BCA FY21 performance overview • Sustainability finance and ESG • Share data, ratings & awards Analyst Meeting FY-21 PT Bank Central Asia Tbk 25
Slide 26: BCA share performance & rating
BCA share performance & rating Always by your side BCA Shareholding Structure (as of 31 December 2021) Performance BBCA vs IDX Finance Index (Relative price up to 31 Dec 2021 against 1 Jan 2018) Number Ownership 90% of Shares Percentage 80% 76.9% BCA Share Price 67.7% 70% 66.7% PT Dwimuria Investama
Slide 27: Awards and recognitions - 2021 (1/3)
Awards and recognitions - 2021 (1/3) Always by your side Best Bank Best Brand Obsession Awards 2021 Tempo Financial Award 2021 Brand Finance Banking 500 2021 WOW Brand Festive Day 2021 • Forbes' List of The World's Best BCA – Best Companies 2021 • The Best Financial Performance Bank 2nd Place on Top
Slide 28: Awards and recognitions - 2021 (2/3)
Awards and recognitions - 2021 (2/3) Always by your side Digital ESG CSR DataGovAi 2021 Summit & Awards Period: 17 Mar – 14 Sep 2021 CSR Brand Equity Awards 2021 Indonesia CSR Award IV 2021 • Best Data Technology CLSA Ratings - Indonesia ESG The Company's Excellence in Building • The Best of The Yea
Slide 29: Awards and recognitions - 2021 (3/3)
Awards and recognitions - 2021 (3/3) Always by your side Customer HR, Investor Others Service Relations Gartner Eye on Innovation Award 2021 Indonesia Financial Top Leader Awards 2021 Indonesia Customer Service Quality HR Asia Award 2021 Winner for RODEST / Integrated Robotic The Best Leader for Bus
Slide 30: DISCLAIMER
DISCLAIMER Always by your side 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 “Info
Slide 31: Thank You
Thank You