Bank Central Asia Tbk PT : Analysts Meeting Hasil Kinerja Triwulan III 2019 Download

Corporate Presentation

PT Bank Central Asia Tbk

9M 2019 Results

Jakarta, 28 October 2019

Agenda

Always by your side

Macro-economy & Banking Industry Highlights

• Macro-economy
• Banking Industry Highlights

BCA 9M19 Performance Overview

• Financial Highlights
• Loans
• CASA & Transaction Banking
• Profitability
• Corporate Updates

Analysts Meeting 9M19

PT Bank Central Asia Tbk

2

Macro-economy

Inflation and BI Rates (%)

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• Ongoing trade tension of US vs China and global economic slowdown
• Many countries loosened their monetary policies
• BI has reduced its benchmark rate by 100 bps in total, and expects economic growth of 5.0%-5.2% in 2019
• Inflation remained benign at 3.4% in September 2019, Rupiah exchange rate strengthened in 2019

7%
							6.00	6.00	5.75
6%						5.75
BI 7-day (Reverse) Repo Rate				5.50
			5.25
								5.25
5%	4.75	4.75	4.75		4.50				5.00
			4.37
		4.17	4.25		Inflation
4%		3.83	3.88
3.60
	3.58		3.58	3.41			3.49
		3.45				3.20	3.23	3.32	3.39
3%				3.30	3.18	3.12	2.82
	3.02
					2.88
		2.79
							2.48
2%

Apr-16Aug-16Dec-16Apr-17Aug-17Dec-17Apr-18Aug-18Dec-18Apr-19Sep-19

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

Rupiah/USD
15,500									15,218
15,000								14,935
											14,525
14,500												14,172
	13,910					13,975
14,000					14,302
	13,637
		13,558		13,543		13,896	13,973	13,967
13,500		13,217
13,000				13,321		13,353
13,085		13,156
	12,955
12,500
12,000
Jan-16	May-16	Sep-16	Feb-17	Oct-17	Dec-17	May-18Nov-18	Jun-19	Oct-19

Source: Bloomberg

Analysts Meeting 9M19

PT Bank Central Asia Tbk

3

Banking Industry highlights

Banking Industry Loan Growth (% YoY)

13.3%

Lower loan growth trend

8.6%

8.3%

Jan-17Jun-17Nov-17Apr-18Sep-18Feb-19Aug-19

Source: Financial Services Authority (OJK)

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Banking Industry Financial Summary (Rp trillion)

	Aug-18	Dec-18Aug-19 ∆YTD	∆YoY
Total Assets	7,644	8,068	8,245	2.2%	7.9%
Total Loans	5,032	5,295	5,465	3.2%	8.6%
Third Party Funds	5,400	5,630	5,812	3.2%	7.6%
CASA	2,963	3,140	3,183	1.4%	7.4%
Current	1,249	1,315	1,358	3.3%	8.7%
Accounts

Banking Industry LDR & NIM (%)	Savings	1,714	1,825	1,825 0.0% 6.5%

Less pressure on LDR

5.4%	5.3%	in 3Q19	96.2%
		94.7%
89.6%	90.0%		5.1%
		4.9%
			Lower NIM
Jan-17Jun-17Nov-17	Apr-18Sep-18	Feb-19Aug-19

Time Deposits	2,437	2,490	2,628	5.5%	7.8%
Net Profit	95.9	150.0	104.2	na	8.7%
NIM	5.1%	5.1%	4.9%	-20bp	-20bp
LDR	93.8%	94.8%	94.7%	-10bp	90bp
NPL	2.7%	2.4%	2.6%	20bp	-10bp
CAR	22.8%	23.0%	23.9%	90bp	110bp

Source: Financial Services Authority (OJK)	Source: Financial Services Authority (OJK)
Analysts Meeting 9M19	PT Bank Central Asia Tbk	4

Agenda

Always by your side

Macro-economy & Banking Industry Highlights

• Macro-economy
• Banking Industry Highlights

BCA 9M19 Performance Overview

• Financial Highlights
• Loans
• CASA & Transaction Banking
• Profitability
• Corporate Updates

Analysts Meeting 9M19

PT Bank Central Asia Tbk

5