Corporate Presentation

Positioning for Better Growth

PT Bank Central Asia Tbk

Analysts Meeting

Jakarta, 25 April 2019

Jan - Mar 2019 Results

Agenda

Macro & Banking Sector

1Q19 Performance Overview

Analysts Meeting 1Q-19

PT Bank Central Asia Tbk

2

Macroeconomic environment

•Moderate global economic growth

-Growth headwinds due to ongoing trade tension

-Fed stops rate hikes

-Weak commodity prices

•Bank Indonesia forecasts 2019 economic growth of 5.0%-5.4%

-Infrastructure investment

-Steady domestic demand

-Cautious on current account deficit and tightening liquidity

•Low annual inflation of 2.5% in Mar-19

•Rupiah exchange rate strengthened since 4Q18

•7-dayreverse repo remained flat at 6.0%, after 175 bps hikes from Apr - Oct-18

Inflation and BI Rates (%)

9%

BI Rate

7.25%

(12-month term structure)

6.93%

6.97%

7%

6.75%

6.77%

6.46%

6.50%

6.00%

6.05%

6.02%

5.96%

5.26%

5.27%

5%

4.45%

Inflation

4.17%

4.37%

4.14%

3.60%

3.58% 3.83%

3.82%

3.61%

3.41%

3.12%

3.23% 2.82%

3%

3.33%

3.30%

3.02%

2.88%

2.48%

2.79%

1%

Jan-16

May-16

Sep-16Jan-17May-17Sep-17

Jan-18May-18

Sep-18

Mar-19

Source: Central Bureau of Statistics (BPS) and Bank Indonesia

Rupiah/USD

15,500

15,218

15,000

14,935

14,500

14,000

13,910

13,975

14,302

14,078

13,637

13,558

13,543

13,896

13,973

13,500

13,217

13,000

13,321

13,353

13,085

12,955

13,156

12,500

12,000 Jan-16Apr-16Aug-16Dec-16Apr-17Oct-17Jan-18Jun-18Nov-18Apr-19

Source: Bloomberg

Analysts Meeting 1Q-19

PT Bank Central Asia Tbk

3

Banking sector highlights - February 2019

•Improving sector loan growth but tighter liquidity

−Total sector loans of Rp5,228tn (+12.1% / Rp566tn YoY)

−Total sector third party funds grew Rp345tln (+6.6% YoY) to Rp5,600tn

Banking Sector Financial Summary (Rp trillion)

Feb-18

Dec-18

Feb-19

YTD

YoY

Change

Change

Total Assets

7,368

8,068

7,965

-1.3%

8.1%

Total Loans

4,662

5,295

5,228

-1.3%

12.1%

Third Party Funds

5,255

5,630

5,600

-0.5%

6.6%

Current Accounts

1,252

1,315

1,283

-2.4%

2.5%

Savings

1,649

1,825

1,748

-4.2%

6.0%

−Net profit grew 14.9% YoY to Rp25.4tn

−System LDR at 94.1%, up from 89.2% in Feb-18

−NPL ratio increased 20 bps to 2.6% in Feb-19 from 2.4% in Dec-18

−System CAR stood at 23.4%

Time Deposits

2,354

2,490

2,569

3.2%

9.1%

Net Profit

22.1

150.0

25.4

na

14.9%

NIM

5.0%

5.1%

4.8%

-30bp

-20bp

LDR*

89.2%

94.8%

94.1%

-70bp

490bp

NPL

2.9%

2.4%

2.6%

20bp

-30bp

CAR

23.2%

23.0%

23.4%

40bp

20bp

Source: Financial Services Authority (OJK) * LFR and RIM data is not available

Analysts Meeting 1Q-19

PT Bank Central Asia Tbk

4

Agenda

Macro & Banking Sector

1Q19 Performance Overview

Analysts Meeting 1Q-19

PT Bank Central Asia Tbk

5

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PT Bank Central Asia Tbk published this content on 25 April 2019 and is solely responsible for the information contained herein. Distributed by Public, unedited and unaltered, on 25 April 2019 10:17:06 UTC