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20240205_MCOR_Laporan Informasi dan Fakta Material_31575079_lamp2.pdf
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PUBLIC EXPOSE
CCB INDONESIA
2024
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KEY HIGHLIGHTS
• Net profit increased significantly by 71% in 2022 and increased
again by 77% in 2023.
77%
• CCB Indonesia has received the idAAA rating (highest rating)
from the rating agency PT Pefindo for 4 (four) consecutive
years .
• Tier-1 Capital increased significant to IDR 6.014 trillion as of
end of 2023 which qualifies CCB Indonesia for status upgrade
to KBMI 2 category in early 2024.
• Bank Indonesia (BI) appointed CCB Indonesia as one of 71%
initiator banks as management of the Money Market and
Foreign Exchange Market Association Indonesia (APUVINDO).
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2023 PERFORMANCE:
77% PROFIT GROWTH AND KBMI 2
LOAN TOTAL FUNDING IMPROVED ASSET QUALITY
STRONG LOAN AND GROWTH GROWTH (NPL BRUTO)
FUNDING GROWTH
16% y-o-y 11% y-o-y 2.87%
vs 3.40% in 2022
REVENUE PROFIT AFTER CONTROLLED COST GROWTH
IMPROVED PROFITABILITY AND GROWTH TAX GROWTH AND IMPROVED IN EFFICIENCY
EFFICIENCY
13% y-o-y 77% y-o-y CIR 58% & BOPO 83%
vs 62% in 2022 vs 88% in 2022
TOTAL ASSET STRONG AND MORE STRONGER/HIGHER
GROWTH OPTIMAL LIQIUDITY CAPITAL
SOLID LIQUIDITY AND CAPITAL
11% y-o-y LDR 97% vs 93% in 2022 CAR 37.45%
with LCR 241%, NSFR 120% vs 32.73% in 2022
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2023 PERFORMANCE:
PROFIT GROWTH by 77% and KBMI 2
STRONG LOAN • Loan growth by IDR 2.7 trillion or 16% y-o-y from corporate and commercial segments.
AND FUNDING • Improved Asset Quality with lower Gross NPL ratio from 3.40% (Dec’22) to 2.87% (Dec’23).
• Total Funding growth by IDR 2.0 trillion or 11% y-o-y mostly come from TD growth.
GROWTH
• Revenue up by 13% y-o-y mostly contributed from business volume growth and improved NIM/margin.
IMPROVED • Controlled cost growth with JAWS (income growth higher than cost growth) by 11%.
• Lower ECL impairment by 11% y-o-y on the back of improved economy and also asset quality.
PROFITABILITY
• Profit/PAT growth by 77% y-o-y contributed from business volume growth and improved profitability (higher
AND EFFICIENCY NIM/margin from 3.54% to 4.18% and improved efficiency).
• Improved Efficiency with lower CIR from 62% to 58% and lower BOPO from 88% to 83%.
• Total Asset increased by IDR 2.8 trillion or 11% y-o-y.
SOLID • Strong and more optimal Liquidity with higher LDR from 93% (Dec’22) to LDR 97% (Dec’23) while LCR 241% and
NSFR 120% are still above regulatory minimum threshold of 100%.
LIQUIDITY AND • Strong Capital with CAR 37.45% (Dec’23), up from previous year 32.73%.
CAPITAL • Core Tier-1 Capital increased from IDR 5.73 trillion, up by IDR 284 billion to IDR 6.014 trillion as of December
2023, which qualifies CCB Indonesia for a status upgrade to category KBMI 2.
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OVERVIEW OF
CCB INDONESIA
• PT Bank China Construction Bank Indonesia Tbk (“CCB Indonesia”),
a Commercial Foreign Exchange Bank listed in the Indonesian
Stock Exchange (“IDX”), fully supported by CCB Corporation which
is a large-scale bank in the world.
• CCB Indonesia has network of 72 offices (as of 31 December 2023)
spread across the cities in Indonesia such as Jakarta. Bandung,
Semarang, Yogyakarta, Surabaya, Denpasar Bali, Mataram
Lombok, Palembang, Bandar Lampung, Batam, Pekanbaru,
Pontianak, Makassar and Pangkal Pinang.
• CCB Indonesia has received the idAAA rating (highest rating) for 4
(four) consecutive years from the rating agency PT Pefindo, the
latest period September 4, 2023 to September 1, 2024, on the basis
of capital strength, liquidity and support from the shareholders of
CCB Indonesia.
• CCB Indonesia is committed to support the Indonesian economy,
particularly in infrastructure financing in accordance with the
government program.
• Accelerating business development in the corporate banking
segment, along with the retail segment, namely commercial
banking and small and medium scale enterprises (SMEs), as well
as consumer banking, taking into account the harmony of
economic, social and environmental interests.
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VISION, MISSION,
CORE BELIEF, VALUES
Vision
Become an international bank and has the ability to multiply
value through innovation capabilities
Mission
Provide better products and services for customers, create
higher value for shareholders, build broader career path for
associates, and implement social and environmental
responsibility as a good corporate citizen
Core Belief Values
• Strong financial base • Integrity
• Ability to provide complex service • Trust
with speed • Speed
• Strong partnered relationship • Competence
• Continuous improvement
• Human capital
• Commitment
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MILESTONES
COVID
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Composition of Shareholders
Ownership structure as of 31 December 2023
Public
Johnny Wiraatmadja
6.9%
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BOARD OF COMMISSIONERS
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BOARD OF DIRECTORS
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NETWORK OF OFFICES
AS OF 31 DECEMBER 2023
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FINANCIAL HIGHLIGHTS
AND PROJECTIONS
(In IDR Billion)
Audited Audited Y-o-Y Projection Y-o-Y
Financial Figures
2022 2023 2024
Total Assets 25,023 27,852 11.31% 30,980 11.23%
Loan 16,687 19,360 16.02% 21,990 13.59%
Third Party Fund 17,947 19,987 11.37% 23,148 15.82%
Equity 6,199 6,541 5.51% 6,791 3.82%
Net Profit 136 241 77.47% 253 4.90%
Audited Audited Y-o-Y Projection Y-o-Y
Financial Ratios
2022 2023 2024
CAR 32.73% 37.45% 4.72% 34.55% -2.90%
NPL Gross 3.40% 2.87% - 0.53% 3.10% 0.23%
NPL Net 0.93% 0.77% - 0.16% 0.52% -0.26%
BOPO 87.76% 82.76% - 5.00% 83.83% 1.07%
LDR 92.98% 96.86% 3.88 % 95.00% -1.86%
ROE 2.40% 4.11% 1.72% 4.12% 0.01%
ROA 0.69% 1.22% 0.53% 1.12% -0.10%
NIM 3.54% 4.18% 0.63% 3.86% -0.32% 12
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KEY PERFORMANCE 2023
Profit After Tax
(in IDR billion)
Growth 2023: 77.47%
Compound Annual
Growth Rate (CAGR)
2019 - 2023 : 32%
With the support of stakeholders, during the pandemic in 2023,
CCB Indonesia continues to show good profitability performance
with a significant increase in Profit after Tax of 77.47%, as well as
continues to provide higher quality banking services through
electronic banking, and 72 offices spread across Indonesia.
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KEY PERFORMANCE 2023
Total Assets Equity
(in IDR trillion) (in IDR trillion)
Growth 2023: 11.31% Growth 2023: 5.51%
Compound Annual Compound Annual
Growth Rate (CAGR) Growth Rate (CAGR)
2019 - 2023 : 10% 2019 - 2023 : 24%
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KEY PERFORMANCE 2023
Loan Third Party Fund
(in IDR trillion) (in IDR trillion)
Growth 2023: 16.02% Growth 2023: 11.37%
Compound Annual Compound Annual
Growth Rate (CAGR) Growth Rate (CAGR)
2019 - 2023 : 9% 2019 - 2023 : 12%
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KEY PERFORMANCE 2023
Loans by type of loans Loans by type of economic sectors
IDR trillion, % IDR trillion, %
Transportation, warehousing
and communication 4.7%
16% 7.6%
9.0%
46.7%
41.9%
45.7%
49.1% Real estate, leasing and services
Total loans:
9.6%
2023 = IDR 19.4 trillion
2022 = IDR 16.7 trillion
**Others: Mining, accomodation, food and beverages, heatlh and social services,
agriculture, hunting and forestry, education services, fishing, social, art, culture, recreation
and other services
*Consumer include employee loan
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AWARDS
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HUMAN CAPITAL
Based on Position
31-Dec-23 31-Dec-22
Position
Total % Total %
Directors 6 1% 6 0%
Division Head / Regional Head 39 1% 38 3%
Branch Manager 67 9% 70 6%
Department Head 151 14% 155 13%
Officer 64 5% 71 6%
Staff 765 68% 758 63%
Non-Staff 91 1% 105 9%
Total 1,183 100% 1,203 100%
Based on Years of Service
31-Dec-23 31-Dec-22
Years of Service
Total % Total %
0-3 years 296 25% 314 26%
3-5 years 128 11% 155 13%
5-10 years 375 32% 362 30%
10-20 years 257 22% 232 19%
> 20 years 127 11% 140 12%
Total 1,183 100% 1,203 100% 18
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SHARES HIGHLIGHT 2023
Shares Performance (in
2023 2022
IDR)
Highest Price 89 118
Lowest Price 67 79
Price at the end of the year 78 80
Earnings Per Share 6.36 3.59
2023 2022 Market Capitalization
Share Price 2023 2022
(in IDR)
(in IDR) Closing Closing
Opening Highest Lowest Opening Highest Lowest
Price Price First Quarter 2,590,296,791,421 3,829,134,387,318
First Quarter 81 89 68 69 116 118 94 102
Second Quarter 2,740,458,924,257 3,416,188,522,019
Second
69 79 67 73 102 102 89 91
Quarter
Third Quarter 3,153,404,789,556 3,228,485,855,974
Third Quarter 73 89 73 84 91 98 84 86
Fourth Quarter 84 87 74 78 86 94 79 80 Fourth Quarter 2,928,161,590,302 3,003,242,656,720
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ADVANTAGES
Received idAAA rating (highest rating)
01 CCB Indonesia has received the idAAA rating (highest rating) for 4 (four)
consecutive years from the rating agency PT Pefindo, the latest period
September 4, 2023 to September 1, 2024, on the basis of capital strength,
liquidity and support from the shareholders of CCB Indonesia.
Extensive network
02 CCB Corporation, which is one of the largest bank in the world, with a network of
nearly 200 foreign entities in 31 countries, will strengthen the corporate image of
CCB Indonesia, as well as continue to support the Bank’s business growth in the
future in term of global banking network and best practices, capital and
liquidity.
Expertise in Infrastructure Financing
03
CCB Corporation has expertise in infrastructure financing which will provide the
Bank a competitive advantage for development to a larger scale
CCB Corporation brand image
04 With CCB Corporation as the controller and the use of the Bank's name to "CCB
Indonesia" enhances the bank's brand image
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FUTURE CHALLENGES
Uncertainty of global economy
01 Uncertainty on global economy particularly due to rising inflation and
interest rates has the potential to slowdown economic growth and asset
quality related to customers' ability to fulfill their obligations.
Pressures on digital innovation in banking
02 Pressures on digital innovation in banking, the development of a new
dynamic digital business model which includes cross border payment
connectivity/LCT, customer acquisition, process improvement, etc.
Tighter banks competition
03
The level of competition between banks is getting tighter, however the
market potential in Indonesia is still open and relatively large. The impact
of competition causes pressure on revenue margins (‘margin squeeze’).
Banks need to make more efforts to obtain sources of income from fee
based income.
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STRATEGIC OBJECTIVES IN 2024
Develop business carefully and conservatively in the corporate banking segment, along with the retail
1 segment, namely commercial banking and small and medium scale enterprises (SMEs), as well as
consumer banking, taking into account the harmony of economic, social and environmental interests.
2 Ensure CAR sufficiency and liquidity for business development in 2024 and onwards
Stay consistent in improving the implementation of good corporate governance (GCG) and
3 improving the risk management system to a more advanced level.
Optimizing existing offices, towards developing digital banking gradually.
4
Improving the quality of human capital by increasing the scale of training programs and more
5 diverse development opportunities.
Strengthening IT system infrastructure to increase effectiveness, efficiency and bank business
6 capabilities leading to digital banking gradually. Development and use of technology to manage risk,
simplify control, AML and anti-fraud functions as well as product and service development.
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PRODUCTS AND SERVICES
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PRODUCTS AND SERVICES
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CCB CROSS-BORDER
MACHMAKING SERVICES
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CORPORATE SOCIAL RESPONSIBILITY
Social Visits to the Orphanage Sustainable Greening Program Banking Education
in Central Java
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Free Medical Treatment School Assistance Blood Donors
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THANK YOU Head Office Sahid Sudirman Center Building Floor. 15, Jl. Jenderal Sudirman Kav. 86 Central Jakarta, 10220
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PT Pefindo
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Bank Indonesia
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CCB Corporation
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With CCB Corporation
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