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20250728_BBCA_Laporan Informasi dan Fakta Material_31927805_lamp3.pdf
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BBCA Corporate Presentation Medan Investor Meeting and Connectivity 2025 25 July 2025
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The largest private bank in Indonesia
Robust Multiple-Channel Franchise
• BCA is one the top 4 banks in Indonesia.
Top 4 banks have a combined market share Internet & Mobile Banking
of ~51% (by assets) 24 / 7 Service
• Being the largest private bank in Indonesia,
BCA commanded ~17% CASA fund market
share and ~12% loan market share 1,264 Branches
• Largest transaction banking franchise on
integrated multiple robust transaction
channels 19.7k ATMs
• Large CASA customer base (>30 million
customers, has doubled in 5 years)
POS One of the largest EDC / POS
• Long standing solid track record in earnings Network Network in Indonesia
and asset quality, accompanied with solid
capital and liquidity
Note: As of 1Q25
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Loans grew 12.6% YoY, CASA increased 8.3% YoY
Consolidated (Rp tn) Mar-24 Mar-25 YoY Sep-24 Dec-24 QoQ
Total Assets 1,444 1,534 6.2% 1,434 1,449 5.8%
Secondary Reserves &
451 462 2.5% 438 422 9.5%
Marketable Securities
Loans 836 941 12.6% 877 922 2.1%
Third Party Funds 1,121 1,193 6.5% 1,125 1,134 5.3%
CASA 904 979 8.3% 915 924 6.0%
Current Accounts 349 383 9.5% 352 362 5.7%
Savings Accounts 555 597 7.5% 563 562 6.1%
Time Deposits 216 214 -0.9% 210 210 2.2%
Equity 227 246 8.4% 256 263 -6.2%
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NPAT rose 9.8% YoY driven by solid operating performance
Consolidated (Rp tn) 1Q-24 1Q-25 YoY 3Q-24 4Q-24 QoQ
Operating Income 26.0 27.9 7.4% 27.6 27.5 1.5%
Net Interest Income 19.7 21.1 7.1% 21.0 21.3 -1.1%
Non Interest Income 6.3 6.8 8.1% 6.6 6.2 10.6%
Fees and Commissions 4.5 4.8 8.3% 4.7 5.0 -3.9%
Trading Income 0.6 0.9 31.1% 1.0 0.5 50.0%
Others 1.2 1.1 -4.8% 0.9 1.0 18.8%
Loss on Loan Sale - - - - (0.4) n.a
Operating Expenses 9.3 9.5 2.8% 9.0 10.4 -8.5%
Manpower 5.0 4.9 -1.9% 4.1 4.3 14.6%
General & Administrative 4.3 4.6 8.3% 4.9 6.1 -24.7%
PPOP (Pre-Provision Operating Profit) 16.7 18.4 9.9% 18.6 17.1 7.7%
Provision incl. Loan Recoveries 0.9 1.0 18.2% 0.9 (0.3) n.a
Provision 0.9 1.0 18.2% 0.9 0.4 151.7%
Reversal on Loan Sale - - - - (0.7) n.a
Net Profit 12.9 14.1 9.8% 14.2 13.8 2.8%
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Key Ratios
Bank Only 1Q-24 1Q-25 YoY 3Q-24 4Q-24 QoQ
NIM 5.6% 5.8% 0.2% 5.9% 6.0% -0.2%
COC 0.4% 0.5% 0.1% 0.6% -0.1% 0.6%
Risk Adjusted NIM 5.2% 5.3% 0.1% 5.3% 6.1% -0.8%
Cost to Income* 32.4% 28.5% -3.9% 30.1% 35.1% -6.6%
ROA** 3.6% 4.3% 0.7% 4.0% 4.1% 0.2%
ROE** 22.7% 26.2% 3.5% 24.6% 24.2% 2.0%
CAR 26.3% 26.6% 0.3% 29.3% 29.4% -2.8%
CASA to Total Funding 81.5% 82.9% 1.4% 82.2% 82.4% 0.5%
LDR 71.2% 76.1% 4.9% 75.1% 78.4% -2.3%
NSFR 162.1% 156.3% -5.8% 162.2% 155.9% 0.4%
LCR 333.9% 300.5% -33.4% 334.9% 323.0% -22.5%
ECL to Total Loans 4.1% 3.6% -0.5% 4.0% 3.6% 0.0%
NPL - gross 2.0% 2.0% 0.0% 2.1% 1.8% 0.2%
NPL Coverage 220.3% 180.5% -39.8% 193.9% 208.5% -28.0%
LAR*** 6.6% 6.0% -0.6% 6.1% 5.3% 0.7%
LAR Coverage (incl. off B/S)*** 71.9% 66.5% -5.4% 73.5% 76.9% -10.4%
*) CIR excluding subsidiary dividend (of Rp 2.2T) stood at 30.9%. Last year subsidiary dividend was paid in 4Q24
**) ROA and ROE excluding subsidiary dividend stood at 3.7% and 22.7%, respectively
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***) LAR includes one-off restructured debtor. Excluding this one off, LAR would be 5.4% with LAR Coverage of 74.2%
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Loans grew across the board
1 Loan Composition by Segment (Rp tn) 2 Loan by Segment (Rp tn)
Consumer SME Commercial Corporate
Consolidated Mar-24 Mar-25 YoY Dec-24 QoQ
835.7 849.8 877.2 921.9 941.2
Corporate 389.4 443.4 13.9% 429.5 3.3%
46.6% 45.8% 45.1% 46.3% 47.1%
Commercial 125.0 137.4 9.9% 135.3 1.6%
15.7% 15.7% 16.3% 15.9% 15.5%
SME 110.3 124.5 12.9% 123.7 0.6%
13.4% 13.7% 13.9% 13.5% 13.3%
24.3% 24.8% 24.7% 24.3% 24.1% Consumer 202.7 225.7 11.3% 223.8 0.9%
Mar-24 Jun-24 Sep-24 Dec-24 Mar-25
- Mortgages 122.5 135.3 10.5% 135.5 -0.1%
3 Loans by Major Industries (Rp tn)
% YoY - Vehicles 59.8 67.1 12.3% 65.3 2.7%
Manuf. 208.1 14.8%
- Personal Loans 20.5 23.3 13.9% 23.0 1.5%
Trading 188.4 6.7%
Household 165.1 11.1% Sharia Financing 9.3 11.0 18.0% 10.7 2.7%
Biz. Services 133.8 2.2% Total O/S Loans 835.7 941.2 12.6% 921.9 2.1%
Transport. 66.5 15.4%
Total Facilities 1,230.0 1,366.0 11.1% 1,335.9 2.3%
Construction 41.0 30.3%
Quarterly Average Loan 808.4 925.6 14.5% 891.8 3.8%
Agriculture 40.4 7.5%
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CASA posted a solid growth
1 Third Party Fund Composition (Rp tn) 2 Third Party Funds (Rp tn)
Savings Current Accounts Time Deposits
Consolidated Mar-24 Mar-25 YoY Dec-24 QoQ
1,193.4
1,120.6 1,125.1 1,125.6 1,133.6
17.9% CASA 904.5 979.2 8.3% 924.0 6.0%
19.3% 18.7% 18.7% 18.5%
32.1% Current Accounts 349.3 382.6 9.5% 361.9 5.7%
31.2% 31.4% 31.3% 31.9%
82.1%
Savings Accounts 555.2 596.6 7.5% 562.1 6.1%
49.5% 50.0% 50.0% 49.6% 50.0%
Time Deposits 216.1 214.2 -0.9% 209.6 2.2%
Mar-24 Jun-24 Sep-24 Dec-24 Mar-25
Third Party Funds 1,120.6 1,193.4 6.5% 1,133.6 5.3%
3 Total Asset Under Management (AUM)
Rp Tn Third Party Funds + AUM 1,330.9 1,472.7 10.7% 1,402.0 5.0%
279
268
94% Bonds
199 94% (32.9% YoY) Quarterly Average CASA 884.8 940.7 6.3% 924.1 1.8%
139 94%
87 Mutual Average CA 348.2 373.0 7.1% 367.2 1.6%
91%
88% Funds
(32.2% YoY)
12% 9% 6% 6% 6% Average SA 536.6 567.7 5.8% 556.8 1.9%
2021 2022 2023 2024 1Q25
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Two leading mobile apps | Investment feature
BCA mobile Investment AUM Investment Features
myBCA within myBCA app
Online purchase of:
Since 2011 Since 2021 (Bonds & Mutual Funds)
Primary Market Bonds
(1Q25)
Secondary Market Bonds
Mutual Funds
Rp 279 tn
Rose Online access to:
Investment
33% YoY s
Register Investor ID & Risk Profile
Set Investment Goals
View Investment Portfolio
Government bonds: Main
contributor to AUM Read Investment Insights
Online Investment Transactions:
Popular mobile Newer apps for
apps for seamless connectivity 94% 86% % Investment Transactions Done Online
transactions (no of users rose
more than 2x YoY) AUM
23% YoY Growth
Note: As of 1Q25 8
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Feature enrichments for better customer experience (1Q25)
Transaction Enhancements Access Enhancements myBCA all-in-one Control
Control all products through myBCA
NFC Tap to Pay Worldwide Access ✓ Ease of access and control to debit
Ease of payment by Access myBCA from and credit card
simply tapping to the anywhere globally (> 180 ✓ Full access to all BCA banking
EDC machine countries) products (e-deposit, credit card,
For the comfort of Indonesian
travelers and diaspora auto-loan, and others)
✓ All information available in one
Cross-border QR account including investments
Portfolio Reports
Overseas payment ✓ Product recommendation and promos
Easier tax reporting according to customer needs (i.e.
transactions using QR
with Customer Portfolio adding BCA Insurance partners)
code
Applicable in Singapore,
Reports & Withholding ✓ Transaction History accessible under
Malaysia, and Thailand Tax Receipts “Activity” feature
Financial Diary
Multi-currency Wallet Quick Access to Subs Products
Financial Records:
17 major foreign Quick Access including BCA’s • Real time
currencies available in subsidiary’s products in myBCA apps notification for Account Transfer Shopping
single account, added incoming and
Bill Payments Others
KRW outgoing funds Investment
Now Available: • Detailed cash
✓ Outward and Inward Remittance flow classification
*new gen of equity for the past 3 and more…
trading apps
months
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ESG Overview: Sustainable Financing grew 19% YoY
BCA Portfolio on Sustainable Financing Highlights :
Outstanding (Rp Trillion) >> Strong commitment in promoting Sustainable Palm Oil :
YoY
229 235 19.0%
203 197 ISPO and/or RSPO Certifications Dec-20 Dec-24
184
# Palm Oil Corporate Debtors with Certifications 48 68
99 105 31.5%
Green 87 80 % of Certified Palm Oil Debtors 36% 76%
Financing 82
% of Certified Palm Oil Loan Outstanding 45% 69%
MSME
116 130 118 130 10.5%
Financing 102
Dec-22 Dec-23 Dec 24 Mar 24 Mar 25
>> Tapping various opportunities :
% to total
portfolio 25.5% 24.9% 24.8% 23.5% 25.0%
EV Financing Sustainability Linked Loans
Outstanding Outstanding
>> Educating ESG to SME debtors Rp 2,325 bn Rp 2,691 bn
▲ 82.6% YoY ▲ 8x YoY
BCA Expoversary 2025
Investing in Corporate Renewable Energy Financing
Special rate for SME debtors Green Bonds
engaged in ESG sectors Total Capacity
Rp 2,305 bn 216 MW
Rp52.2 Bn O/S as of Mar-25 ▲ 41% YoY Outstanding 4.6 Trillion
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Thank You!
Disclaimer
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 “Information”) does not constitute a commitment or recommendation or
advice by BCA. This Presentation does not purport to contain all of the Information that may be required or desirable to evaluate all of the factors that might be relevant to a
recipient considering investing in BCA and any recipient hereof should conduct its own investigation and analysis in order to make an independent determination of the
suitability and consequences of entering into or participating in any investment or transaction related to BCA. Under no circumstances is this Information to be used or
considered as an offer to sell, or a solicitation of an offer to buy, a participating interest or any security or a recommendation that a recipient hereof should enter into or
participate in any transaction related to BCA, buy or sell any participating interest or security, or otherwise make any investment decision.
BCA reserves the right to amend, update or replace all or any part of the Information at any time but shall not be under any obligation to provide any recipient of this
Presentation with any notice of such amended, updated or replacement information or to correct any inaccuracies herein which may become apparent. By accepting, receiving
and/or viewing this Information Presentation, the recipient hereby acknowledges and agrees that neither BCA nor any of its subsidiaries, its affiliates, employees, directors,
commissioners, representatives or advisors make any guarantee, representation, warranty or undertaking, express or implied, as to the fairness, accuracy, reliability,
correctness, reasonableness or completeness of the Information. Therefore, neither BCA nor its subsidiaries, affiliates, employees, directors, commissioners, representatives or
advisors shall have any liability arising from or in connection with any Information provided by BCA (whether written or verbal communication. No reliance should be placed on
such Information.
BCA, its subsidiaries, affiliates, employees, directors, commissioners, representatives or advisors will not be liable for any losses and/or damages in connection with the use of
this report and/or any action taken in reliance upon the whole or any part of the content of this Presentation. Nothing in this Presentation should be construed as legal, tax,
financial, business or investment advice. By attending the meeting where the Presentation is made, or by accepting and viewing/reading this Presentation, you acknowledge
and agree to the above disclaimer and/or limitations in this Presentation.
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