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Page 1
PUBLIC EXPOSE
CCB INDONESIA
2026
Page 2
KEY HIGHLIGHTS
350
• Achievement of the Bank‘s net profit with Compound Annual
CAGR 40%
Growth Rate (CAGR) 2021-2025 of 40%, and Growth of 2.22% in
2025. 300
• CCB Indonesia obtained idAAA rating (the highest rating) 250
from rating agency PT Pefindo for 6 (six) consecutive years.
200
150
100
50
-
2021 2022 2023 2024 2025 2
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2025 PERFORMANCE :
LOAN TOTAL FUNDING IMPROVED ASSET QUALITY
STRONG LOAN AND GROWTH GROWTH (NPL BRUTO)
FUNDING GROWTH
12.5% y-o-y 1.5%
22.7% y-o-y vs 2.1% in 2024
REVENUE PROFIT AFTER CONTROLLED COST GROWTH
IMPROVED PROFITABILITY AND GROWTH TAX GROWTH AND IMPROVED IN EFFICIENCY
EFFICIENCY CIR 56.4%
2.7% y-o-y 2.2% y-o-y BOPO 83.2%
TOTAL ASSET STRONG AND MORE STRONGER/HIGHER
GROWTH OPTIMAL LIQIUDITY CAPITAL
SOLID LIQUIDITY AND CAPITAL
CAR 29.5%
13.5% y-o-y
LCR 159% & NSFR 116%
* Above the minimum threshold of 100%
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2025 PERFORMANCE:
TOTAL ASSET GROWTH by 13.5%
STRONG LOAN • Loan growth by IDR 2.9 trillion, or 12.5% y-o-y which was mostly from Corporate segments.
• Improved Asset Quality with lower Gross NPL ratio from 2.1% (Dec’24) to 1.5% (Dec’25).
AND FUNDING
• Total Funding growth by IDR 5.3 trillion or 22.7% y-o-y with CASA ratio growth of 2.06% y-o-y (CASA ratio
GROWTH 2024: 22.15%, and CASA ratio 2025: 24.21%)
IMPROVED • Revenue increased by 2.7% y-o-y, which was mostly contributed by business volume growth.
PROFITABILITY • Lower ECL impairment by 35.6% y-o-y, supported by improved asset management quality.
• Profit after tax / PAT growth by 2.2% y-o-y contributed from the business growth and improvement in
AND EFFICIENCY profitability.
• Total Asset increased by IDR 4.5 trillion, or 13.5% y-o-y.
SOLID • Strong and optimal liquidity with sufficient of LCR 159.2% and NSFR of 116.3%, which are still above the
minimum regulatory threshold of 100%.
LIQUIDITY AND • Strong Capital with CAR 29.5% (Dec’25).
CAPITAL • Bank's equity increased from IDR 6.8 trillion, up by IDR 304 billion or 4.5% y-o-y to IDR 7.1 trillion as of
December 2025.
4
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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 71 offices (as of 31 December 2025)
spread across the cities in Indonesia such as Jakarta, Bandung,
Semarang, Yogyakarta, Surabaya, Denpasar Bali, Mataram
Lombok, Palembang, Bandar Lampung, Batam, Pekanbaru,
Pontianak, Makassar dan Pangkal Pinang.
• CCB Indonesia has received the idAAA rating (highest rating) for 6
(six) consecutive years from the rating agency PT Pefindo, 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.
• The Bank's policy focused on strengthening and promoting
sustainable business growth through the development of
corporate banking business, particularly infrastructure financing,
enhancing support for SME sector in line with the government
program, as well as the development of consumer banking
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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
Become KBMI 2 bank
category
Brand launching of
The 5-year Assistance Projects
“CCB Indonesia” from CCB Corporation
Capital Injection
Become BUKU III bank
CCB Corporation category
become new majority Operation
shareholder of BWKI merger
through capital injection
H2-
H2- 2023
Corporate
2020
Merger of Banking COVID-19
Legal Merger of Mar pandemic
Multicor & BWKI & Bank Anda May
Became Acquisition of 2018
BWK Mar 2017
Public
become BWKI Bank Anda Feb
listed Nov 2017
Jul 2017
IPO
Establishment of Jun 2016 2016
Multicor - 1974 2015 2016
Jan
Jun 2008 Phase 1 (2017-2019)
2007 Consolidation and Development
Establishment of
Phase 2 (2020-2023)
Bank Windu - 1967
Show the Existence
G to G
PRC and Republic of Indonesia Phase 3 (2024-2027)
Sustainable Growth 7
Page 8
Composition of Shareholders
Ownership structure as of 31 December 2025
Public
24.85%
Johnny China Construction Bank
Wiraatmadja (CCB) Corporation
6.94%
60.00%
UOB Kay Hian PTE LTD
8.21%
8
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BOARD OF COMMISSIONERS
Wu Jianzheng
President Commissioner
Mohamad Hasan Guo Meijun Yudo Sutanto
Independent Commissioner Commissioner Independent Commissioner
9
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BOARD OF DIRECTORS
Jiang Yongdong
President Director
Zhu Yong Suryati Budiyanto Junianto Andreas Basuki
Director of Director of Director of Director of
Corporate and International Commercial & Retail Operations Compliance
Banking Banking
10
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NETWORK OF OFFICES
AS OF 31 DECEMBER 2025
Total offices 71
Head Office 1
Branch Offices 20
Sub-Branch Offices 50
2 3 2
1
2
1
13 32
5
7
2 1
Jakarta & Tangerang: 32 offices
Jawa Barat: 13 offices, Jawa Tengah & Yogyakarta DIY: 5 offices, Jawa Timur: 7 offices
Bali: 2 offices, Mataram (Nusa Tenggara Barat): 1 office
Sulawesi Selatan: 1 office, Kalimantan Barat: 2 offices
Riau: 2 offices, Kepulauan Riau: 3 offices, Lampung & Sumatera Selatan: 2 offices
Bangka Belitung: 1 office 11
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FINANCIAL HIGHLIGHTS
AND PROJECTIONS
(In IDR Billion)
Audited Audited Projection
Financial Figures Y-o-Y Y-o-Y
2024 FY 2025 2026
Total Assets 33,545 38,084 13.53% 40,534 6.43%
Loan 23,464 26,407 12.54% 30,418 15.19%
Third Party Fund 23,357 28,666 22.73% 31,130 8.59%
Equity 6,842 7,146 4.45% 7,459 4.38%
Net Profit 295 302 2.22% 307 1.61%
Audited Audited Projection
Financial Ratios Y-o-Y Y-o-Y
2024 FY 2025 2026
CAR 30.72% 29.48% -1.24% 27.09% -2.39%
NPL Gross 2.12% 1.53% -0.59% 2.30% 0.77%
NPL Net 0.82% 1.15% 0.33% 1.05% -0.10%
BOPO Ratio 83.39% 83.18% -0.21% 84.23% 1.05%
Loan to Deposits ratio (LDR) 100.46% 92.12% -8.34% 97.72% 5.60%
Return Asset (ROA) 1.22% 1.15% -0.07% 1.03% -0.12%
Return on Equity (ROE) 4.78% 4.74% -0.04% 4.61% -0.13%
Net Interest Margin (NIM) 3.50% 3.02% -0.48% 3.16% 0.14%
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KEY PERFORMANCE 2025
With the support of stakeholders, CCB Indonesia Profit After Tax
continues to show good performance, as well as (in IDR billion)
continues to provide higher quality banking 350
services through electronic banking, and 71 CAGR 40%
offices spread across Indonesia. 300
250
200
150
Growth 2025: 2.2%
100
Compound Annual
50 Growth Rate (CAGR)
2021 - 2025 : 40%
- 13
2021 2022 2023 2024 2025
Page 14
KEY PERFORMANCE 2025
Total Assets Equity
(in IDR billion) (in IDR billion)
7,200
40,000 Growth 2025: 13.5% CAGR 4% Growth 2025: 4.5%
CAGR 10%
7,000
35,000 Compound Annual Compound Annual
Growth Rate (CAGR) Growth Rate (CAGR)
6,800
2021 - 2025: 10% 2021 - 2025: 4%
30,000
6,600
25,000
6,400
20,000
6,200
15,000 6,000
10,000 5,800
5,000 5,600
5,400
0
2021 2022 2023 2024 2025 14
2021 2022 2023 2024 2025
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KEY PERFORMANCE 2025
Loan Third Party Fund
(in IDR billion) (in IDR billion)
30,000 30,000
Growth 2025: 12.5% CAGR 10% Growth 2025: 22.7%
CAGR 18%
Compound Annual Compound Annual
25,000 Growth Rate (CAGR) 25,000 Growth Rate (CAGR)
2021 - 2025: 18% 2021 - 2025: 10%
20,000 20,000
15,000 15,000
10,000 10,000
5,000 5,000
- 0
2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 15
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KEY PERFORMANCE 2025
Loans by type of loans
IDR billion, % Loans by type of economic sectors
12.5% 4.8%
6.1%
45.3%
45.1%
49.9%
48.8%
*Consumer include employee loan
Total loans: *Other sectors: Information and communication, rental and leasing services, accommodation
2025 = IDR 26.41 trillion provision, real estate, water management, health services and social activities, agriculture,
2024 = IDR 23.46 trillion
forestry and fisheries, professional services, educational services, and other services. 16
Page 17
AWARDS
17
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HUMAN CAPITAL
Based on Position
31 Dec 25 31 Dec 24
Position
Total % Total %
Directors 5 0 4 0%
Division Head / Regional Head 35 3% 36 3%
Branch Manager 67 6% 67 6%
Department Head 148 13% 135 12%
Officer 56 5% 70 6%
Staff 752 66% 735 65%
Non-Staff 77 7% 84 7%
Total 1,140 100% 1,131 100%
Based on Years of Service
31 Dec 25 31 Dec 24
Years of Service
Total % Total %
0-3 years 347 30% 324 29%
3-5 years 69 6% 84 7%
5-10 years 290 25% 338 30%
10-20 years 332 29% 269 24%
> 20 years 102 9% 116 10%
Total 1,140 100% 1,131 100% 18
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SHARES HIGHLIGHT 2025
Shares Performance (in IDR) 2025 2024
Highest Price 86 91
Lowest Price 58 53
Price at the end of the year 75 74
Earnings Per Share 7.96 7.79
2025 2024 Market Capitalization
Share Price 2025 2024
(in IDR)
(in IDR) Closing Closing
Opening Highest Lowest Opening Highest Lowest
Price Price First Quarter 2,552,756,258,212 2,740,458,924,257
First Quarter 74 76 63 68 78 80 72 73
Second Quarter 2,515,215,725,003 2,327,513,058,958
Second
65 73 58 67 73 74 53 62
Quarter
Third Quarter 2,928,161,590,302 2,890,621,057,093
Third Quarter 67 83 64 78 63 80 62 77
Fourth Quarter 76 86 70 75 77 91 73 74 Fourth Quarter 2,815,539,990,675 2,777,999,457,466
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ADVANTAGES
Received idAAA rating in 6 Years
01 CCB Indonesia has received the idAAA rating (highest rating) for 6 (six)
consecutive years from the rating agency PT Pefindo, on the basis of capital
strength, liquidity and support from the shareholders of CCB Indonesia.
CCB Group Extensive network
02 CCB Corporation, which is one of the largest banks in the world, with a network
of nearly 200 subsidiaries in more than 25 countries, will strengthen the
corporate image of CCB Indonesia, as well as ensure additional capital for the
bank's business development.
CCB Group’s Experience in Global Infrastructure
03
CCB Corporation has experience in the global infrastructure sector, giving it an
edge in financing large projects such as infrastructure development, which is a
priority in Indonesia. Its expertise in infrastructure financing will give the Bank a
competitive advantage for further expansion.
Utilization of “CCB” Brand
04 With CCB Corporation as the controller and the use of the Bank's name to "CCB
Indonesia" enhances the bank's brand image
20
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FUTURE CHALLENGES
Uncertainty in the global economy
01 Uncertainty in the global economy has the potential to slow economic
growth and asset quality related to customers' ability to fulfill their
obligations.
Pressures on digital innovation in banking
02 Pressure on digital innovation in banking, the development of new dynamic
digital business models that include cross-border payment
connectivity/Local Currency Transactions (LCT), customer acquisition,
process optimization, and others.
Tougher banks competition
03
The level of competition between banks is getting tougher, although the
market potential in Indonesia is still open and relatively big. The impact of
competition is putting pressure on income margins (margin squeeze). The
Bank needs to make more efforts to generate income from fee-based
income.
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STRATEGIC OBJECTIVES IN 2026
▪ Strengthening credit policies in line with national economic priorities, optimizing productive assets, increasing the portion of corporate loan
with a stable and rapid distribution of commercial and SME loans, and strengthening inclusive and retail services with due regard to
economic, social, and environmental aspects.
▪ Broaden funding channels, expand low cost CASA and core deposits; as well as maintain and improve Net Interest Margin (NIM).
▪ Strengthening strategic customer acquisition, particularly from China; optimizing the contribution of existing customers; expanding the
product portfolio based on customer needs; and increasing competitiveness by strengthening cross-border and digital capabilities.
▪ Ensuring sufficient CAR and liquidity for further business development.
▪ Continuing to consistently improve the implementation of Good Corporate Governance (GCG); and enhancing the risk management
system to a more advanced level by strengthening the foundation of risk control and asset quality management, as well as prioritizing risk
mitigation and strengthening collaboration among the three lines of defense.
▪ Improving business effectiveness includes enhancing service capabilities, along with deepening comprehensive cost management, and
enhancing management efficiency.
▪ Optimize branch network for better coverage and efficiency, in line with the increase in digital channel transaction share and enhance
service delivery.
▪ Continuous development of human capital to improve competence and professionalism, including strengthening succession planning and
build a strong talent pipeline.
▪ Strengthening IT system and infrastructure to increase security, effectiveness, efficiency, and business capabilities of the Bank. Development
and utilization of technology to manage risk, facilitate control, AML and anti-fraud functions, as well as product and service development.
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PRODUCTS AND SERVICES
23
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PRODUCTS AND SERVICES
24
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CCB CROSS-BORDER
MACHMAKING SERVICES
25
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CORPORATE SOCIAL RESPONSIBILITY
Social Visits to the Orphanage Greening Program Banking Education for Marginalized
and Underprivileged Children
26
Free Medical Treatment Financial Literacy Mangrove Planting
Page 27
THANK YOU Head Office Sahid Sudirman Center Building Floor. 15, Jl. Jenderal Sudirman Kav. 86 Central Jakarta, 10220
Names mentioned 14 people and organisations named in the text · linked when the evidence is strong
unresolved
org
PT Pefindo
p.2 ×3
unresolved
org
Bank Indonesia
p.5
unresolved
org
CCB Corporation
p.5 ×5
unresolved
org
Bank Windu
p.7
unresolved
org
Bank Wiraatmadja
p.8
unresolved
org
With CCB Corporation
p.20
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