Corporate Presentation

Positioning for Better Growth

Analysts Meeting

Jan - Dec 2018 Results

PT Bank Central Asia Tbk

Jakarta, 28th February 2019

Table of contents

page

Macroeconomic Environment

Macroeconomic environment

4

Banking sector highlights - December 2018

5

Performance Overview

BCA key financial highlights

7

Solid loan growth

8

Mortgages grew moderated

9

Ample loan loss coverage

10

A leading transaction banking business

11

Solid funding franchise

12

Stable net interest margin

13

Sustained profitability

14

Quality growth through enhanced relationship

15

2

page

Financial Review

Balance sheet summary

17

Income statement summary

18

Financial ratios

19

Diversified earning assets composition

20

Breakdown of earning assets yield

21

Balanced loan portfolio

22

Moderate consumer loan growth

23

Diversified industry concentration

24

NPL maintained at a low level

25

Active management of third party funds

26

Cost to income ratio

27

Appendix

Government bonds profile

30

BCA maintains 8 subsidiaries in 6 business lines

31

BCA credit ratings

32

BCA share performance

33

BCA awards

34

Agenda

Macroeconomic Environment

Performance Overview

Financial Review

3

Macroeconomic environment

  • Global economic uncertainty
    • Uncertainty regarding US interest rate policy
    • Cautious on US - China trade tension
    • Declining commodity prices
  • Indonesian economic growth 5.2% in 2018, marginally up from 5.1% in 2017
    • Continuing infrastructure investment
    • Steady domestic demand
  • Low annual inflation of 3.1% in Dec-18
  • Rupiah exchange rate strengthened since 4Q18
  • 7-dayreverse repo remained flat at 6.0%, after 175 bps hikes from Apr - Oct-18

4

Inflation and BI Rates (%)

9%

7.25%

BI Rate

(12-month term structure)

6.93% 6.97%

7%

6.50%

6.66%

6.75%

6.05%

6.02%

6.00%

5.96%

5%

Inflation

5.26%

5.27%

4.45%

4.37%

4.14%

3.58%

3.83%

3.61%

3.88%

3.40%

3.23%

3.61%

3%

3.33%

3.30%

3.18%

3.12%

3.13%

3.02%

2.88%

2.79%

2.82%

1% Jan-16

Apr-16

Jul-16

Oct-16

Jan-17

Apr-17

Jul-17Oct-17

Jan-18

Apr-18

Jul-18Oct-18

Jan-19

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

Rupiah/USD

16,000

15,218

15,000

14,935

14,000

13,910

13,975

14,302

13,992

13,637

13,558

13,543

13,896

13,973

13,217

13,000

13,085

13,321

13,156

13,353

12,955

12,000

Jan-16

Apr-16

Aug-16

Nov-16

Mar-17

Oct-17

Nov-17

Mar-18

Aug-18

Feb-19

Source: Bloomberg

Banking sector highlights - December 2018

  • Improving banking sector performance
    • Total sector loans of Rp5,295tn (+11.8% / Rp557tn YoY)
    • Total sector third party funds grew Rp341tln (+6.4% YoY) to Rp5,630tn
    • Net profit grew 14.3% YoY to Rp150.0tn
    • NPL ratio decreased 20 bps to 2.4% in Dec-18
    • System CAR stood at 23.0%
    • System LDR at 94.8%, up from 90.0% in Dec-17

5

Banking Sector Financial Summary (Rp trillion)

Dec-16

Dec-17

Dec-18

YOY

Change

Total Assets

6,730

7,388

8,068

9.2%

Total Loans

4,377

4,738

5,295

11.8%

Third Party Funds

4,837

5,289

5,630

6.4%

Current Accounts

1,124

1,233

1,315

6.7%

Savings

1,552

1,701

1,825

7.3%

Time Deposits

2,161

2,355

2,490

5.7%

Net Profit

106.5

131.2

150.0

14.3%

NIM

5.6%

5.3%

5.1%

-20bp

LDR*

90.7%

90.0%

94.8%

480bp

NPL

2.9%

2.6%

2.4%

-20bp

CAR

22.9%

23.2%

23.0%

-20bp

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

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PT Bank Central Asia Tbk published this content on 28 June 2019 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 28 June 2019 10:15:05 UTC