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20231019_BBCA_Laporan Informasi dan Fakta Material_31460161_lamp2.pdf
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PRESS RELEASE
PT Bank Central Asia Tbk
Third Quarter 2023 Results
BCA Recorded Strong Loan Growth across All Segments,
Contributing to the National Economy
Jakarta, 19 October 2023 – PT Bank Central Asia Tbk (IDX: BBCA) and its subsidiaries posted
a 12.3% year-on-year (YoY) increase in total loans as of September 2023. Net profit grew by
25.8% YoY, reaching Rp36.4 trillion in the first nine months of 2023. This growth was underpinned
by rising loan volume across all segments, continued improvement in loan quality, as well as higher
transaction volume and stronger funding.
“Loan growth was partly driven by ‘BCA Expo 2023’ held in the third quarter, following the
successful BCA Expoversary 2023 in February. We saw strong consumer loan demand in the two
events, generating a total application of Rp46 trillion in mortgages and vehicle loans, marking an
increase of more than 50% compared to 2022. In other BCA events, we are delighted to report
that ‘BCA UMKM Fest 2023’ successfully engaged ~ 1,400 MSME and ‘BCA Wealth Summit 2023’
recorded more than 900,000 visitors in just two weeks,” stated Jahja Setiaatmadja, President
Director of PT Bank Central Asia Tbk.
As of September 2023, BCA's loans grew by double digits across segments. SME booked highest
credit growth, up 16.4% YoY reaching Rp104.8 trillion. Corporate loans grew by 12.2% YoY to
Rp343.5 trillion and commercial loans increased by 6.5% YoY to Rp121.0 trillion. On consumer
segment, mortgages grew by 11.5% YoY to Rp117.9 trillion and vehicle loans increased by 22.1%
YoY to Rp53.5 trillion. Credit card and individual loans outstanding grew by 15.3% YoY to Rp15.0
trillion, resulting in a 14.4% YoY increase in the total consumer portfolio to Rp189.6 trillion. Overall,
BCA's total loans rose by 12.3% YoY to Rp766.1 trillion. Regarding sustainable financing, BCA’s
portfolio grew by 11.9% YoY to Rp193.2 trillion, or accounted for 25.0% of total loans.
“BCA is committed to consistently reducing carbon emissions in Indonesia. During the launch of
the Indonesia Carbon Exchange, BCA purchased 71,500 tons of CO2 carbon units. Up to
September 2023, BCA has disbursed sustainability-linked loans amounting to Rp319 billion,
reaffirming our commitment to support debtors in implementing sustainable business practices.
We are grateful that BCA's dedication in promoting environmental, social, and governance (ESG)
principles has been acknowledged by various stakeholders. An example of the recognition was
exemplified by Wisma BCA Foresta, representing Indonesia at the Asean Energy Awards 2023
and securing the first place in the Energy Efficient Building category,” said Jahja Setiaatmadja.
As the businesses of our debtors continue to recover, the Bank’s restructured loans gradually return to
normal payment. Loan at Risk (LAR) ratio improved to 7.6% in the first nine months of 2023, down from
11.7% in the previous year. Non-Performing Loan (NPL) ratio decreased to 2.0% in September 2023,
compared to 2.2% in the previous year. NPL and LAR coverage was at solid levels of 226.9% and
66.6%, respectively.
On the funding side, CASA increased 4.7% YoY, reaching Rp869.8 trillion as of September 2023,
contributing to approximately 80% of the Bank’s total third party funds. Total third-party funds grew by
6.2% YoY to Rp1,089 trillion, increasing BCA's total assets by 7.2% YoY to Rp1,381 trillion. The Bank’s
PT BANK CENTRAL ASIA TBK
Head Office: Menara BCA Grand Indonesia, Jl. MH Thamrin No. 1 Jakarta 10310 Tel. (021) 2358-8000 FaX. (021) 2358-8300
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solid CASA franchise is underpinned by sustainable growth in transaction banking and rising customer base. BCA recorded a noteworthy surge in total transaction volume, marking a 26.8% YoY increase to 22 billion transactions. Mobile banking channel registered the highest growth at 43.4% YoY. Number of customer accounts reached 38.8 million, up 17.1% YoY. “Our next gen integrated service app, myBCA, introduces ‘BCA Paylater’, a credit facility for payment alternative – embedded in ‘BCA QRIS’. The introduction of ‘BCA Paylater’ exemplifies our efforts to expand ‘myBCA’ ecosystem. Prior to this, we have rolled out various features such as wealth management apps (WELMA) integration into myBCA, biometric login, cardless, top-up services, and more. On WELMA, we launched mutual fund offer starting from Rp10,000, FR Bonds from Rp1,000,000 and INDON/INDOIS from US$1,000, along with wealth insight tabs for investment education,” added Jahja Setiaatmadja. BCA posted a positive growth in Net Interest Income for the first nine months of 2023, up 21.3% YoY to Rp55.9 trillion. Non-interest income grew 9.7% YoY to Rp18.3 trillion, supported by a 7.7% YoY increase in fee and commission income. In total, operating income was recorded at Rp74.2 trillion, up 18.2% YoY. Along with asset quality improvement, provision costs fell by Rp1.6 trillion compared to last year. All in all, BCA’s net profit rose 25.8% YoY to Rp36.4 trillion. To promote the development of MSME and to support access to export market, Bakti BCA facilitated training on export & trade for 60 selected MSMEs in Semarang and Yogyakarta. The training was conducted in collaboration with the Ministry of Trade, involving MSME participants from the tourism villages supported by BCA, namely Doesoen Kopi Sirap and Kampung Batik Gemah Sumilir. Bakti BCA also supported free halal certification for 1,000 MSMEs. Further, Bakti BCA carried out a series of programs aiming for creating positive impacts to local community and environment in Banyuwangi. The programs covered stunting prevention education for teenagers, health check-up and distribution of free nutritious meals to over 200 toddlers, release of 50 turtle hatchlings and planting of 100 sea pandan plants. Bakti BCA collaborates with Plasticpay to collect plastic bottles through recycling machines at ‘BCA Expo 2023’ promoting circular economic model to the public. In just three days, the initiative successfully collected nearly 7,000 plastic bottles for recycling into eco-friendly fiber. About PT Bank Central Asia Tbk (as of 30 September 2023) BCA is one of the leading commercial banks in Indonesia with the core business of transaction banking. BCA also offers a full range of financial services in consumer, SME, commercial and corporate segments. As of September 2023, BCA has the privilege of serving nearly 39 million customer accounts, processing around 81 million of daily transactions through a network of 1,252 branches; 18,705 ATMs as well as the 24-hour internet & mobile banking systems; supported by 24/7 Halo BCA contact center. BCA’s presence is complemented by a number of subsidiaries focusing on vehicle financing, sharia banking, securities, general and life insuranc e, digital bank, remittance as well as venture capital business. BCA is committed to building lasting relationship with customers, putt ing people first, and making positive impact on society at large. With around 25,000 employees, BCA's vision is to be the bank of choice and a major pillar of the Indonesia economy. PT BANK CENTRAL ASIA TBK Group Corporate Communication and Social Responsibility - CSR Corporate Communication Address : Jl. MH Thamrin No.1, Menara BCA 22 nd Floor. Jakarta 10310 Telephone : (021) 2358-8000 Fax : (021) 2358-8339 E-mail : corcom_bca@bca.co.id PT BANK CENTRAL ASIA TBK Head Office: Menara BCA Grand Indonesia, Jl. MH Thamrin No. 1 Jakarta 10310 Tel. (021) 2358-8000 FaX. (021) 2358-8300
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