Bank Central Asia Tbk PT : Analysts Meeting Hasil Kinerja Triwulan I 2019 Download
June 28, 2019 at 06:17 am EDT
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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
PT Bank Central Asia Tbk (the Bank) is an Indonesia-based commercial bank. The Bankâs segments include Transaction Banking, Corporate Banking, Commercial & Small & Medium Enterprise (SME) Banking, Individual Banking, and Treasury and International Banking. The Bank offers various products and services, which include cash management services, credit cards, bancassurance products, mutual fund investment products, treasury investment products, credit facilities, standby letter of credit/bank guarantees, export import facilities, local letter of credit and foreign exchange facilities. It has operations in Sumatera, Java, Kalimantan, East Indonesia and Overseas operations. Its subsidiaries include PT BCA Finance, BCA Finance Limited, PT Bank BCA Syariah, PT BCA Sekuritas, PT Asuransi Umum BCA, PT BCA Multi Finance, PT Asuransi Jiwa BCA, PT Central Capital Ventura and PT Bank Digital BCA.