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Page 1
PUBLIC EXPOSE
CCB INDONESIA
2025
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KEY HIGHLIGHTS
300
• Achievement of the Bank's net profit with Compound CAGR 56%
Annual Growth Rate (CAGR) 2020-2024 of 56%, and
Growth of 22.42% in 2024. 250
• CCB Indonesia obtained idAAA rating (the highest rating)
from rating agency PT Pefindo for 5 (five) consecutive 200
years.
150
100
50
0
2020 2021 2022 2023 2024 2
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2024 PERFORMANCE:
PROFIT GROWTH by 22%
LOAN TOTAL FUNDING IMPROVED ASSET QUALITY
STRONG LOAN AND GROWTH GROWTH (NPL BRUTO)
FUNDING GROWTH
21% y-o-y 17% y-o-y 2.12%
vs 2.87% in 2023
REVENUE PROFIT AFTER CONTROLLED COST GROWTH
IMPROVED PROFITABILITY AND GROWTH TAX GROWTH AND IMPROVED IN EFFICIENCY
EFFICIENCY CIR 54%
24% y-o-y 22% y-o-y BOPO 83.39%
TOTAL ASSET STRONG AND MORE STRONGER/HIGHER
GROWTH OPTIMAL LIQIUDITY CAPITAL
SOLID LIQUIDITY AND CAPITAL
20% y-o-y
LCR 171% & NSFR 111% CAR 30.72%
* Above the minimum threshold of 100%
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2024 PERFORMANCE:
PROFIT GROWTH by 22%
STRONG LOAN • Loan growth by IDR 4.1 trillion or 21.2% y-o-y which was mostly from Corporate and Commercial segments.
• Improved Asset Quality with lower Gross NPL ratio from 2.87% (Dec'23) to 2.12% (Dec'24).
AND FUNDING
• Total Funding growth by IDR 3.4 trillion or 17% y-o-y mostly contributed from the growth of TD and CASA of
GROWTH foreign currency.
• Revenue increased by 24% y-o-y which was mostly contributed by business volume growth.
IMPROVED
• Lower ECL impairment by 12% y-o-y on the back of improved economy as well as asset quality.
PROFITABILITY • Efficiency Improvement with CIR decreased from 58% to 54%.
AND EFFICIENCY • Profit after tax / PAT growth by 22% y-o-y contributed from the business growth and improvement in
profitability along with efficiency improvement.
• Total Asset increased by IDR 5.7 trillion or 20% y-o-y.
SOLID • Strong and optimal liquidity with sufficient of LCR 170.75% and NSFR 110.81% which are still above the minimum
LIQUIDITY AND regulatory threshold of 100%.
• Strong Capital with CAR 30.72% (Dec’24).
CAPITAL
• Bank's equity increased from IDR 6.54 trillion, up by IDR 301 billion to IDR 6.84 trillion as of December 2024.
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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 73 offices (as of 31 December 2024)
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 5
(five) 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.
• 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
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 2024
Public
24.85%
Johnny China Construction Bank
Wiraatmadja (CCB) Corporation
6.94%
60.00%
UOB Kay Hian PTE LTD
8.21%
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BOARD OF COMMISSIONERS
Mohamad Hasan Guo Meijun Yudo Sutanto
Independent Commissioner Commissioner Independent Commissioner
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BOARD OF DIRECTORS
Jiang Yongdong *)
President Director
Zhu Yong Setiawati Samahita Junianto Agresius R Kadiaman
Director of Director of Director of Director of
Corporate Banking Commercial & Retail Operations Compliance
10
*) Appointed at the EGMS on December 20, 2024; effective after obtaining approval from the authorities
Page 11
NETWORK OF OFFICES
AS OF 31 DECEMBER 2024
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FINANCIAL HIGHLIGHTS
AND PROJECTIONS
(In IDR Billion)
Audited Audited Y-o-Y Projection Y-o-Y
Financial Figures
2023 2024 2025
Total Assets 27,852 33,545 20.44% 36,378 8.44%
Loan 19,360 23,464 21.20% 27,033 15.21%
Third Party Fund 19,987 23,357 16.86% 27,643 18.35%
Equity 6,541 6,842 4.61% 7,171 4.81%
Net Profit 241 295.40 22.42% 326 10.37%
Audited Audited Y-o-Y Projection Y-o-Y
Financial Ratios
2023 2024 2025
CAR 37.45% 31.24% - 6.21% 29.89% - 1.35%
NPL Gross 2.87% 2.12% - 0.75% 2.35% 0.23%
NPL Net 0.77% 0.82% 0.05% 1.18% 0.36%
BOPO 82.76% 83.39% 0.63% 82.64% - 0.75%
LDR 96.86% 100.46% 3.60% 97.79% - 2.67%
ROE 4.11% 4.78% 0.67% 5.05% 0.27%
ROA 1.22% 1.22% 0.00% 1.24% 0.02%
NIM 4.18% 3.50% - 0.68% 3.31% -0.19% 12
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KEY PERFORMANCE 2024
Profit After Tax
(in IDR billion)
300
CAGR 56% Growth 2024: 22.42%
250 Compound Annual
Growth Rate (CAGR)
2020 - 2024 : 56%
200
150
With the support of stakeholders, CCB Indonesia continues to
100
show good profitability performance with an increase in Profit
after Tax of 22.42%, as well as continues to provide higher quality
banking services through electronic banking, and 73 offices
50
spread across Indonesia.
0 13
2020 2021 2022 2023 2024
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KEY PERFORMANCE 2024
Total Assets Equity
(in IDR billion) (in IDR billion)
35.000 7.000
CAGR 7% Growth 2024: 20.44% Growth 2024: 4.61%
CAGR 3%
Compound Annual Compound Annual
30.000 6.800
Growth Rate (CAGR) Growth Rate (CAGR)
2020 - 2024: 7% 2020 - 2024: 3%
25.000 6.600
20.000 6.400
15.000 6.200
10.000 6.000
5.000 5.800
0 5.600 14
2020 2021 2022 2023 2024 2020 2021 2022 2023 2024
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KEY PERFORMANCE 2024
Loan Third Party Fund
(in IDR billion) (in IDR billion)
25.000 25.000
CAGR 12% Growth 2024: 21.20% CAGR 6% Growth 2024: 16.86%
Compound Annual Compound Annual
Growth Rate (CAGR) Growth Rate (CAGR)
20.000 20.000
2020 - 2024: 12% 2020 - 2024: 6%
15.000 15.000
10.000 10.000
5.000 5.000
0 0 15
2020 2021 2022 2023 2024 2020 2021 2022 2023 2024
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KEY PERFORMANCE 2024
Loans by type of loans
IDR billion, % Loans by type of economic sectors
21% 6.1%
7.6%
45.1%
45.6%
48.8%
46.7%
*Consumer include employee loan
**Others: Mining, accommodation, food and beverages, rental and leasing services, real
Total loans:
estate, information and communication, water management, health services and social
2024 = IDR 23.46 trillion
activities, agriculture, forestry and fishing, education services, and other services.
2023 = IDR 19.36 trillion 16
Page 17
AWARDS
17
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HUMAN CAPITAL
Based on Position
31-Dec-24 31-Dec-23
Position
Total % Total %
Directors 4 0% 6 1%
Division Head / Regional Head 36 3% 39 1%
Branch Manager 67 6% 67 9%
Department Head 135 12% 151 14%
Officer 70 6% 64 5%
Staff 735 65% 765 68%
Non-Staff 84 7% 91 1%
Total 1,131 100% 1,183 100%
Based on Years of Service
31-Dec-24 31-Dec-23
Years of Service
Total % Total %
0-3 years 324 29% 296 25%
3-5 years 84 7% 128 11%
5-10 years 338 30% 375 32%
10-20 years 269 24% 257 22%
> 20 years 116 10% 127 11%
Total 1,131 100% 1,183 100% 18
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SHARES HIGHLIGHT 2024
Shares Performance (in IDR) 2024 2023
Highest Price 91 89
Lowest Price 53 67
Price at the end of the year 74 78
Earnings Per Share 7.79 6.36
2024 2023 Market Capitalization
Share Price 2024 2023
(in IDR)
(in IDR) Closing Closing
Opening Highest Lowest Opening Highest Lowest
Price Price First Quarter 2,740,458,924,257 2,590,296,791,421
First Quarter 78 80 72 73 81 89 68 69
Second Quarter 2,327,513,058,958 2,740,458,924,257
Second
73 74 53 62 69 79 67 73
Quarter
Third Quarter 2,890,621,057,093 3,153,404,789,556
Third Quarter 63 80 62 77 73 89 73 84
Fourth Quarter 77 91 73 74 84 87 74 78 Fourth Quarter 2,777,999,457,466 2,928,161,590,302
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ADVANTAGES
Received idAAA rating (highest rating)
01 CCB Indonesia has received the idAAA rating (highest rating) for 5 (five)
consecutive years from the rating agency PT Pefindo, 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.
Experience in Global Infrastructure
03
CCB Corporation has extensive experience in the global infrastructure sector,
providing an advantage in financing large projects.
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 2025
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 adequate CAR and liquidity for business development.
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 improve the effectiveness, efficiency and capability of the
6 bank's business towards digital banking gradually. Development and utilization of technology to
manage risk, improve control functions, Anti-Money Laundering (AML) and anti-fraud as well as
product and service development. 22
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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 in Banking Education for Marginalized
Central Java and Underprivileged Children
26
Tree planting Humanitarian Assistance and Scholarships Blood Donors
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 ×6
unresolved
org
Bank Windu
p.7
unresolved
org
Bank Wiraatmadja
p.8
unresolved
org
With CCB Corporation
p.20
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