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20240724_BBCA_Laporan Informasi dan Fakta Material_31687239_lamp2.pdf
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PRESS RELEASE
PT Bank Central Asia Tbk
First Half 2024 Performance Result
BCA's Loans Grew 15.5%, Positive Performance across All Segments
Jakarta, 22 April 2024 - PT Bank Central Asia Tbk (IDX: BBCA) and its subsidiaries recorded an
increase in total loans by 15.5% YoY to Rp850 trillion in June 2024, higher than the industry average.
From profitability point of view, BCA and its subsidiaries booked a net profit growth of 11.1% YoY in
the first half of 2024, reaching Rp26.9 trillion. The growth was underpinned by higher loan disbursement
and rising transaction volume and funding.
"Business loans recorded a solid growth across both the corporate and MSME segments. On consumer
lending, we disbursed higher volume supported by the successful event ‘BCA Expoversary 2024’. The
event, which was held over two months, attracted a total application around Rp50 trillion in mortgages
and vehicle loans. We would like to thank our customers and other stakeholders including the
government and authorities for their support and trust in BCA, so that BCA performs positively in the
first half of 2024." said President Director of PT Bank Central Asia Tbk, Jahja Setiaatmadja.
Corporate loans became the segment with the highest growth in June 2024, increased 19.9% YoY to
Rp388.6 trillion. Commercial loans grew 7.9% YoY to Rp127.8 trillion, and SME loans grew 12.7% YoY
to Rp114.4 trillion. The total consumer loan portfolio increased by 13.6% YoY to Rp210.2 trillion,
supported by a 10.8% YoY growth in mortgages to Rp126.9 trillion and 18.4% YoY growth in vehicle
loans to Rp62.1 trillion. The growth in other consumer loans (majority in credit card loans) reached
20.2% YoY to Rp17.8 trillion.
Loan disbursement to sustainable sectors, including investments in green bonds and sustainability
linked loans, grew 9.3% YoY to Rp198 trillion, or accounted for 23.2% of total loans as of June 2024.
To promote the development of electric vehicle ecosystem, BCA continues to disburse financing for
electric vehicle with outstanding loans reaching Rp1.5 trillion as of June 2024, a 2-fold YoY growth.
BCA also presented ‘#KaMUKartini Multipurpose Business Loans’ program with special lending rates
starting from 3.21% eff.p.a. for women entrepreneurs. As of June 2024, ‘#KaMUKartini Multipurpose
Business Loans’ increased 250% YoY.
Improvement in loan quality accompanied BCA's solid loan growth. Loan at risk ratio (LAR) stood at
6.4% in June 2024, compared to 9% in previous year. Non-performing loan (NPL) ratio stood at 2.2%.
NPL and LAR coverage was at solid level, at 190.2% and 71.2% respectively.
On the funding side, third-party funds grew by 5% YoY reaching Rp1,125 trillion. Current and savings
account (CASA) contributed more than 82% of total third-party funds, and grew 5.8% YoY to Rp915
trillion. The solid CASA growth was in line with the performance in transaction frequency, which grew
21% YoY to reach 17 billion in the first half of 2024 or a 4-fold growth in the last 5 years. At the digital
channels, mobile and internet banking transaction frequency reached 14.8 billion, up 24% YoY.
In line with robust lending and funding performance, BCA posted a positive growth in net interest
income for the first half of 2024, up 7.9% YoY to Rp39.9 trillion. Non-interest income increased 12.1%
PT BANK CENTRAL ASIA TBK
Kantor Pusat: Menara BCA Grand Indonesia, Jl. MH Thamrin No. 1 Jakarta 10310 Tel. (021) 2358-8000 FaX. (021) 2358-8300
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YoY to Rp12.4 trillion. Total operating income was recorded at Rp52.4 trillion, up 8.9% YoY. BCA’s
credit provision decreased 6.8% YoY in line with the improvement in asset quality.
"BCA continuously develops ‘myBCA’, and we are pleased to launch 'Poket Valas' as one of myBCA’s
new features. The feature offers fund pockets, denominated in eight major foreign currencies under
one integrated account. Customers can transact using foreign currencies at any time in any location.
Debit payment and cash withdrawal transaction abroad in foreign currencies could be conducted
without conversion to rupiah," said Jahja Setiaatmadja.
In addition to ‘Poket Valas’, ‘myBCA’ registration or login can now be performed using overseas phone
numbers from hundreds of countries. ‘Lender Fund Account’ was also recently launched for facilitating
customers as lender in P2P platform. Digital service enhancement has been carried out for ‘KeyBCA’
which is now available in mobile application. As a gesture of appreciation for customers, BCA presents
‘Gebyar Hadiah BCA’ program, offering prizes such as Vespa LX I Get 125 to Mercedes Benz cars,
which run from May 1 to August 31, 2024.
Celebrating National Education Day, ‘Bakti BCA’ held a series of public lectures titled “BCA Berbagi
Ilmu” held at 5 state universities across Indonesia where BCA's Board of Directors directly lectured
more than 3,300 students. ‘The BCA Berbagi Ilmu’ program was complemented by student banking
tours to a number of BCA branches. The program also includes makeup training and Makeup Artist
certification for disabilities. ‘Bakti BCA’ supported the revitalization of a 10-hectare Cikoneng, Bogor,
for a group of coffee farmers, aiming for higher productivity and increasing income to reach international
standard. Further, ‘Bakti BCA’ once again organized a free halal certificate workshop, targeting 2,000
MSME participants, a 2-fold increase compared to last year. In the health sector, ‘Bakti BCA’ became
a funding partner worth US$ 1 million to support the government in the Acceleration of Stunting
Reduction program in Indonesia. This program has been implemented in 8 districts across the country,
and will continue this year. Last but not least, ‘Bakti BCA’ collaborated with Financial Transaction
Reports and Analysis Center (PPATK) in organizing blood donation that collected 411 blood bags.
***
About PT Bank Central Asia Tbk (As of 30 June 2024)
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. By the end of June 2024, BCA has the privilege of ser ving more
than 37 million customer accounts, processing around 95 million of daily transactions through a network of 1,259 branches, 19,163 ATMs as
well as internet & mobile banking services and Halo BCA contact center that can be accessed 24 hours. BCA’s presence is compl emented
by a number of subsidiaries focusing on vehicle financing, sharia banking, securities, general and life insurance, digital ba nk, remittance as
well as venture capital business. BCA is committed to building lasting relationships with customers, putting p eople first, and making a positive
impact on society at large. With more than 27,000 employees, BCA's vision is to be the bank of choice and a major pillar of t he Indonesia
economy.
PT BANK CENTRAL ASIA TBK
Group Corporate Communication and Social Responsibility - CSR
Corporate Communication
Alamat : Jl. MH Thamrin No.1, Menara BCA Lt. 22. Jakarta 10310
Telepon : (021) 2358-8000
Fax : (021) 2358-8339
E-mail : corcom_bca@bca.co.id
PT BANK CENTRAL ASIA TBK
Kantor Pusat: Menara BCA Grand Indonesia, Jl. MH Thamrin No. 1 Jakarta 10310 Tel. (021) 2358-8000 FaX. (021) 2358-8300
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