PT Bank Central Asia Tbk : Financial Report September 2023

PT BANK CENTRAL ASIA Tbk & Subsidiaries

STATEMENTS OF FINANCIAL POSITION

As of September 30, 2023 & December 31, 2022

(In millions of Rupiah)

			INDIVIDUAL	CONSOLIDATED
	No.	ACCOUNTS	Unaudited	Audited	Unaudited	Audited
			Sep 30, 2023	Dec 31, 2022	Sep 30, 2023	Dec 31, 2022
		ASSETS
	1.	Cash	15,003,732	21,281,939	15,037,438	21,359,509
	2.	Placement with Bank Indonesia	107,159,796	120,983,623	108,977,288	122,792,126
	3.	Placement with other banks	14,042,625	15,813,222	15,689,284	17,453,443
	4.	Spot and derivative/forward receivables	104,687	100,318	105,177	100,318
	5.	Securities	296,560,573	243,727,246	310,408,797	255,961,933
	6.	Securities sold under repurchase agreement (repo)	-	-	159,112	303,227
	7.	Claims on securities bought under reverse repo	126,107,213	152,408,798	127,908,766	153,966,411
	8.	Acceptance receivables	13,193,418	15,515,098	13,193,418	15,515,098
	9.	Loans and financing	743,845,569	691,141,340	758,041,670	703,562,178
	10.	Sharia financing	-	-	7,863,690	7,576,818
	11.	Equity investment	10,261,404	10,261,404	946,069	956,676
	12.	Other financial assets	13,715,748	9,844,592	15,091,335	10,913,537
	13.	Impairment on financial assets -/-	(34,919,708)	(34,480,718)	(35,904,047)	(35,462,188)
		a. Securities	(120,236)	(161,989)	(136,368)	(180,268)
		b. Loans and Sharia financing	(34,422,542)	(33,892,635)	(35,387,627)	(34,839,835)
		c. Others	(376,930)	(426,094)	(380,052)	(442,085)
	14.	Intangible assets	2,584,612	2,511,297	3,965,559	3,872,186
		Accumulated amortization on intangible asset -/-	(2,292,224)	(2,114,743)	(2,504,213)	(2,305,066)
	15.	Fixed assets and equipment	36,151,279	33,403,377	37,606,908	34,780,533
		Accumulated depreciation on fixed assets and equipment -/-	(11,238,787)	(9,512,383)	(11,859,373)	(10,071,161)
	16.	Non earning assets	1,992,180	1,570,596	2,061,672	1,725,571
		a. Abandoned property	38,308	68,293	58,670	88,655
		b. Foreclosed assets	1,900,256	1,482,150	1,949,385	1,616,757
		c. Suspense accounts	28,843	13,134	28,844	13,140
		d. Interbranch assets	24,773	7,019	24,773	7,019
	17.	Other assets	13,742,437	10,911,349	14,660,877	11,730,525

TOTAL ASSETS

1,346,014,554

1,283,366,355

1,381,449,427

1,314,731,674

PT BANK CENTRAL ASIA Tbk & Subsidiaries

STATEMENTS OF FINANCIAL POSITION

As of September 30, 2023 & December 31, 2022

					(In millions of Rupiah)
			INDIVIDUAL	CONSOLIDATED
	No.	ACCOUNTS	Unaudited	Audited	Unaudited	Audited
			Sep 30, 2023	Dec 31, 2022	Sep 30, 2023	Dec 31, 2022
		LIABILITIES AND EQUITIES
		LIABILITIES
	1.	Current account	335,994,388	321,895,959	337,625,493	323,924,052
	2.	Saving account	527,316,238	520,387,136	532,142,905	524,013,719
	3.	Time deposit	206,955,212	181,376,508	219,004,636	191,780,247
	4.	Electronic money	1,177,300	1,123,551	1,177,300	1,123,551
	5.	Liabilities to Bank Indonesia	577	577	577	577
	6.	Liabilities to other banks	8,190,055	8,006,044	8,132,950	7,936,209
	7.	Spot and derivative/forward liabilities	186,784	383,273	186,784	383,273

8. Liabilities on securities sold under repurchase

	agreement (repo)	-	-	128,330	255,962
9.	Acceptance liabilities	6,682,220	9,666,648	6,682,220	9,666,648
10.	Issued securities	500,000	500,000	500,000	500,000
11.	Loans/financing received	27,134	11,887	995,303	1,316,374
12.	Margin deposit	236,937	283,817	237,213	284,077
13.	Interbranch liabilities	2,724	8,996	2,724	8,996
14.	Other liabilities	32,926,331	27,508,089	38,700,392	32,356,334
15.	Minority interest	-	-	181,593	163,049
	TOTAL LIABILITIES	1,120,195,900	1,071,152,485	1,145,698,420	1,093,713,068
	EQUITIES
16.	Paid in capital	1,540,938	1,540,938	1,540,938	1,540,938
	a. Capital	5,500,000	5,500,000	5,500,000	11,500,000
	b. Unpaid capital -/-	(3,959,062)	(3,959,062)	(3,959,062)	(9,959,062)
	c. Treasury stock -/-	-	-	-	-
17.	Additional paid in capital	5,711,368	5,711,368	5,548,977	5,548,977
	a. Agio	5,711,368	5,711,368	5,711,368	5,711,368
	b. Disagio -/-	-	-	-	-
	c. Fund for paid up capital	-	-	-	-
	d. Others	-	-	(162,391)	(162,391)
18.	Other comprehensive income	8,324,993	9,061,796	8,935,076	9,667,038
	a. Gains	11,637,398	12,374,201	12,237,871	12,969,833
	b. Losses -/-	(3,312,405)	(3,312,405)	(3,302,795)	(3,302,795)
19.	Reserves	3,234,149	2,826,792	3,234,149	2,826,792
	a. General reserves	3,234,149	2,826,792	3,234,149	2,826,792
	b. Appropriated reserves	-	-	-	-
20.	Gain/loss	207,007,206	193,072,976	216,491,867	201,434,861
	a. Previous years	192,666,363	172,211,209	201,028,248	179,806,772
	b. Current Year	35,297,601	39,969,400	36,420,377	40,735,722
	c. Dividends paid -/-	(20,956,758)	(19,107,633)	(20,956,758)	(19,107,633)

TOTAL EQUITIES

225,818,654

212,213,870

235,751,007

221,018,606

TOTAL LIABILITIES AND EQUITIES

1,346,014,554

1,283,366,355

1,381,449,427

1,314,731,674

PT BANK CENTRAL ASIA Tbk & Subsidiaries

STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME

For the Periods Ended September 30, 2023 & 2022

(In millions of Rupiah)

		INDIVIDUAL	CONSOLIDATED
No.	ACCOUNTS	Unaudited	Unaudited	Unaudited	Unaudited
		Sep 30, 2023	Sep 30, 2022	Sep 30, 2023	Sep 30, 2022
OPERATIONAL INCOME AND EXPENSES
A. Interest income and expenses
1.	Interest income	60,809,244	49,112,557	64,885,272	52,206,604
2.	Interest expenses	8,473,845	5,839,622	8,978,385	6,114,017
	Net interest income (expenses)	52,335,399	43,272,935	55,906,887	46,092,587
B. Other operational income and expenses
1.	Gains (losses) from increase (decrease) fair value on financial
	assets	164,095	(1,685,504)	187,585	(1,671,063)
2.	Gains (losses) from decrease (increase) fair value on financial
	liabilities	-	-	-	-
3.	Gains (losses) on sale of financial assets	347,676	(281,907)	380,940	(207,507)
4.	Gains (losses) on spot and derivatives/forward (realised)	554,048	442,812	556,708	446,127
5.	Gains (losses) on investment under equity method	-	-	-	-
6.	Gains (losses) from translation of foreign currency transactions	20,393	2,177,672	22,328	2,182,982
7.	Dividend income	777,222	804,009	33,571	45,632
8.	Commission/provision/fee and administration income	13,216,259	12,215,117	13,261,389	12,316,515
9.	Other income	1,145,977	1,217,058	3,828,592	3,550,130
10.	Addition (reversal) of impairment losses on assets	2,097,704	3,621,000	2,291,566	3,918,002
11.	Losses on operational risk	2,106	12,364	2,119	12,603
12.	Personnel expenses	10,953,169	9,620,651	12,216,029	10,705,931
13.	Promotion expenses	782,072	612,888	1,013,195	797,411
14.	Others expenses	11,270,640	9,816,554	13,788,503	11,660,236
	Net Other Operational Income (Expenses)	(8,880,021)	(8,794,200)	(11,040,299)	(10,431,367)
	OPERATIONAL PROFIT (LOSS)	43,455,378	34,478,735	44,866,588	35,661,220
NON OPERATIONAL INCOME AND EXPENSES
1.	Gains (losses) on sale of fixed assets and equipment	5,584	(2,949)	9,895	(1,897)
2.	Other non operational income (expenses)	(55,867)	(38,562)	133,690	146,005
	NON OPERATIONAL PROFIT (LOSS)	(50,283)	(41,511)	143,585	144,108
	CURRENT PERIOD PROFIT (LOSS) BEFORE TAX	43,405,095	34,437,224	45,010,173	35,805,328
	Income tax	8,107,494	6,410,674	8,570,054	6,835,388
	a. Estimated current year tax	7,539,718	7,053,213	7,992,046	7,452,448
	b. Deferred tax income (expenses)	(567,776)	642,539	(578,008)	617,060
	NET PROFIT (LOSS) AFTER TAX	35,297,601	28,026,550	36,440,119	28,969,940
	NET PROFIT (LOSS) OF MINORITY INTEREST			19,742	15,377
OTHER COMPREHENSIVE INCOME
1.	Items that will not be reclassified subsequently to
	profit or loss
	a. Revaluation surplus of fixed assets	-	-	-	-
	b. Gains (losses) from actuary benefit program	-	-	-	-
	c. Others	-	-	-	-
2.	Items that will be reclassified subsequently to
	profit or loss
	a. Gains (losses) arising from translation of financial statements in
	foreign currency	-	-	(6,646)	34,911
	b. Gains (losses) from changes in fair value of financial assets-
	debt instruments measured through other comprehensive
	income	(736,059)	(4,883,841)	(725,770)	(4,970,423)
	c. Others	-	-	-	-
	OTHER COMPREHENSIVE INCOME FOR THE PERIOD AFTER
	INCOME TAX	(736,059)	(4,883,841)	(732,416)	(4,935,512)
	TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD	34,561,542	23,142,709	35,707,703	24,034,428
	Net Profit (Loss) Attributable To :
	OWNERS OF THE PARENT	35,297,601	28,026,550	36,420,377	28,954,563
	NON-CONTROLLING INTEREST			19,742	15,377
	NET PROFIT (LOSS) FOR THE PERIOD	35,297,601	28,026,550	36,440,119	28,969,940
	Total Comprehensive Profit (Loss) Attributable To :
	OWNERS OF THE PARENT	34,561,542	23,142,709	35,689,159	24,020,587
	NON-CONTROLLING INTEREST			18,544	13,841
	TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD	34,561,542	23,142,709	35,707,703	24,034,428
	DIVIDEND	(20,956,758)	(14,793,006)	(20,956,758)	(14,793,006)
	EARNINGS PER SHARE (in full amount)			295	235

PT BANK CENTRAL ASIA Tbk & Subsidiaries

CONSOLIDATED STATEMENTS OF CASH FLOWS

For the Periods Ended September 30, 2023 & 2022

(In millions of Rupiah)

				CONSOLIDATED
No.			ACCOUNTS	Unaudited	Unaudited
				Sep 30, 2023	Sep 30, 2022
I.	CASH FLOWS FROM OPERATING ACTIVITIES
	1.	Receipts of interest and sharia income, fees and commissions	79,898,875	65,477,997
	2.	Other operating income	4,367,888	4,073,190
	3.	Payments of interest and sharia expenses, fees and commissions	(8,815,694)	(6,161,013)
	4.	Payments of post-employment benefits	-	-
	5.	(Loss) gain from foreign exchange transactions - net	(61,483)	2,915,927
	6.	Other operating expenses	(25,982,493)	(22,103,335)
	7.	Payment of tantiem to Board of Commissioners and Directors	(660,000)	(493,000)
	8.	Other increases/decreases affecting cash :
		a. Placements with Bank Indonesia and other banks - mature more than
			3 (three) months from the date of acquisition	644,116	8,606,279
		b. Financial assets measured at fair value through profit and loss	(13,276,281)	(1,979,898)
		c. Acceptance receivables	2,321,680	(3,870,894)
		d. Bills receivable	676,498	(1,478,510)
		e. Securities purchased under agreements to resell	26,057,645	(21,284,166)
		f.	Loans receivable	(55,288,342)	(42,427,070)
		g. Consumer financing receivables	(1,312,154)	(387,788)
		h. Finance lease receivables - net	(28,769)	(21,034)
		i. Assets related to sharia transactions	(445,544)	(1,251,672)
		j.	Other assets	(7,865,099)	(67,601)
		k.	Deposits from customers	48,872,472	43,987,154
		l.	Sharia deposits	(69,401)	1,071,883
		m. Deposits from other banks	209,753	(2,915,037)
		n. Acceptance payables	(2,984,428)	2,507,772
		o. Accruals and other liabilities	7,750,868	1,449,316
		p. Temporary syirkah deposits	790,755	(359,408)
		Net cash provided by (used in) operating activities before income tax	54,800,862	25,289,092
	9.	Payment of income tax	(9,051,828)	(7,347,465)
	Net cash provided by (used in) operating activities	45,749,034	17,941,627
II.	CASH FLOWS FROM INVESTING ACTIVITIES
	1.	Proceeds from sales of investment securities	50,000	125,000
	2.	Acquisition of investment securities	(124,230,567)	(116,050,762)
	3.	Proceeds from investment securities that matured during the period	81,402,597	90,887,372
	4.	Cash dividends received from investment in shares	33,571	45,632
	5.	Payment for acquisition activities	-	-
	6.	Acquisition of fixed assets	(2,889,275)	(1,552,999)
	7.	Acquisition of right of use assets	(271,790)	(545,870)
	8.	Proceeds from sale of fixed assets	13,544	3,440
	Net cash provided by (used in) investing activities	(45,891,920)	(27,088,187)
III.	CASH FLOWS FROM FINANCING ACTIVITIES
	1.	Proceeds from debt securities issued	-	-
	2.	Payment of debt securities issued	-	-
	3.	Proceeds from borrowings	34,987,487	14,449,407
	4.	Payment of borrowings	(35,296,938)	(14,514,879)
	5.	Proceeds from increase of non-controlling interest	-	-
	6.	Payments of cash dividends	(20,956,758)	(14,793,006)
	7.	Proceeds from securities sold under repurchase agreements to repurchase	1,098,154	1,160,538
	8.	Payment of securities sold under repurchase agreements to repurchase	(1,220,709)	(995,863)
	Net cash provided by (used in) financing activities	(21,388,764)	(14,693,803)
	NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	(21,531,650)	(23,840,363)
	CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR	160,422,371	177,268,685
	EFFECT OF FOREIGN EXCHANGE RATE FLUCTUATIONS ON CASH AND CASH
		EQUIVALENTS	300,461	445,576
	CASH AND CASH EQUIVALENTS, END OF PERIOD	139,191,182	153,873,898
IV.	CASH AND CASH EQUIVALENTS CONSIST OF :
	1.	Cash	15,037,438	14,532,585
	2.	Current accounts with Bank Indonesia	101,939,053	102,331,784
	3.	Current accounts with other banks	9,318,373	8,065,843
	4.	Placements with Bank Indonesia and other banks - mature within 3 (three)
		months or less from the date of acquisition	12,896,318	28,943,686
	Total cash and cash equivalents	139,191,182	153,873,898

PT BANK CENTRAL ASIA Tbk

FINANCIAL RATIOS CALCULATION

As of September 30, 2023 & 2022

				(In %)
		Ratio	Unaudited	Unaudited
		Sep 30, 2023	Sep 30, 2022
Performance Ratio
1.	Capital Adequacy Ratio (CAR)	29.50%	25.36%
2.	Non performing earning assets and non earning assets
	to total earning assets and non earning assets	1.08%	1.09%
3.	Non perfoming earning assets to total earning assets	0.97%	1.00%
4.	Allowance for impairment on financial assets to earning
	assets	2.88%	3.18%
5.	Gross NPL	2.04%	2.16%
6.	Net NPL	0.68%	0.66%
7.	Return on Asset (ROA) 1)	4.42%	3.69%
8.	Return on Asset (ROA) 2)	3.60%	3.00%
9.	Return on Equity (ROE)	23.53%	20.65%
10.	Net Interest Margin (NIM)	5.52%	5.13%
11.	Operating Expenses to Operating Income (BOPO)	44.43%	48.55%
12.	Cost to Income Ratio (CIR)	33.56%	34.49%
13.	Loan to Deposit Ratio (LDR)	67.41%	63.34%
Compliance
1.	a. Percentage Violation of Legal Lending Limit
	i.	Related parties	0.00%	0.00%
	ii. Non related parties	0.00%	0.00%
	b. Percentage Lending in excess of Legal Lending Limit
	i.	Related Parties	0.00%	0.00%
	ii. Non related parties	0.00%	0.00%
2.	Reserve Requirement
	a. Primary Reserve Requirement (Rupiah)
	-	Daily	0.00%	0.00%
	-	Average	7.25%	7.31%
	b. Reserve Requirement (Foreign currencies) - daily	2.00%	2.00%
3.	Net Open Position	0.22%	0.10%

1. Calculation using profit before tax divided by average total assets.
2. Calculation using profit after tax divided by average total assets.

Jakarta, October 19, 2023

PT BANK CENTRAL ASIA Tbk

S.E & O

Jahja Setiaatmadja	Vera Eve Lim
President Director	Director

PT BANK CENTRAL ASIA Tbk

EARNING ASSETS QUALITY AND OTHER INFORMATION

As of September 30, 2023 & 2022

(In millions of Rupiah)

INDIVIDUAL

No.

ACCOUNTS

September 30, 2023 (Unaudited)

September 30, 2022 (Unaudited)

C

SM

S

D

L

Total

C

SM

S

D

L

Total

1. RELATED PARTIES

1. Placement with other banks

a.	Rupiah	24,410	-	-	-	-	24,410	100	-	-	-	-	100
b.	Foreign currencies	-	-	-	-	-	-	-	-	-	-	-	-

2. Spot and derivative/forward receivables

a.	Rupiah	-	-	-	-	-	-	34	-	-	-	-	34
b.	Foreign currencies	-	-	-	-	-	-	-	-	-	-	-	-

3. Securities

a.	Rupiah	50,165	-	-	-	-	50,165	50,675	-	-	-	-	50,675
b.	Foreign currencies	-	-	-	-	-	-	-	-	-	-	-	-

4. Securities sold under repurchase agreement (repo)

a.

Rupiah

-

-

-

-

-

-

-

-

-

-

-

-

b.

Foreign currencies

-

-

-

-

-

-

-

-

-

-

-

-

5. Claims on securities bought under reverse repo

	a. Rupiah	-	-	-	-	-	-	-	-	-	-	-	-
	b. Foreign currencies	-	-	-	-	-	-	-	-	-	-	-	-
6.	Acceptance receivables	-	-	-	-	-	-	11,145	-	-	-	-	11,145
7.	Loans and financing
	a. Micro, small and medium enterprises (UMKM)	75,064	-	-	-	-	75,064	189,010	3,032	-	-	-	192,042
	i.	Rupiah	75,064	-	-	-	-	75,064	75,087	3,032	-	-	-	78,119
	ii. Foreign currencies	-	-	-	-	-	-	113,923	-	-	-	-	113,923
	b. Non micro, small and medium enterprises	9,729,756	3,793	-	-	-	9,733,549	10,039,065	311	-	-	-	10,039,376
	i.	Rupiah	9,621,451	3,793	-	-	-	9,625,244	10,039,065	311	-	-	-	10,039,376
	ii. Foreign currencies	108,305	-	-	-	-	108,305	-	-	-	-	-	-
	c. Restructured loans	-	-	-	-	-	-	-	-	-	-	-	-
	i.	Rupiah	-	-	-	-	-	-	-	-	-	-	-	-
	ii. Foreign currencies	-	-	-	-	-	-	-	-	-	-	-	-
8.	Equity investment	9,721,044	-	-	-	1,000	9,722,044	9,653,544	-	-	-	1,000	9,654,544
9.	Other receivables	22,214	-	-	-	-	22,214	27,249	-	-	-	-	27,249
10.	Commitments and contingencies
	a. Rupiah	7,173,353	130	-	-	-	7,173,483	5,279,372	801	-	-	-	5,280,173
	b. Foreign currencies	343,124	-	-	-	-	343,124	290,398	-	-	-	-	290,398

PT BANK CENTRAL ASIA Tbk

EARNING ASSETS QUALITY AND OTHER INFORMATION

As of September 30, 2023 & 2022

(In millions of Rupiah)

INDIVIDUAL

No.

ACCOUNTS

September 30, 2023 (Unaudited)

September 30, 2022 (Unaudited)

C

SM

S

D

L

Total

C

SM

S

D

L

Total

1. NON RELATED PARTIES

1. Placement with other banks

a.	Rupiah	2,735,261	-	-	-	-	2,735,261	4,220,047	-	-	-	-	4,220,047
b.	Foreign currencies	11,282,954	-	-	-	-	11,282,954	19,996,726	-	-	-	-	19,996,726

2. Spot and derivative/forward receivables

a.	Rupiah	91,127	-	-	-	-	91,127	181,258	-	-	-	-	181,258
b.	Foreign currencies	13,560	-	-	-	-	13,560	7,329	-	-	-	-	7,329

3. Securities

a.	Rupiah	277,446,389	-	-	-	100,000	277,546,389	226,455,028	-	-	-	100,000	226,555,028
b.	Foreign currencies	18,957,490	6,529	-	-	-	18,964,019	17,975,074	-	-	-	25,087	18,000,161

4. Securities sold under repurchase agreement (repo)

a.

Rupiah

-

-

-

-

-

-

-

-

-

-

-

-

b.

Foreign currencies

-

-

-

-

-

-

-

-

-

-

-

-

5. Claims on securities bought under reverse repo

	a. Rupiah	126,107,213	-	-	-	-	126,107,213	165,807,945	-	-	-	-	165,807,945
	b. Foreign currencies	-	-	-	-	-	-	-	-	-	-	-	-
6.	Acceptance receivables	12,867,523	120,463	-	-	205,432	13,193,418	15,064,522	40,442	-	2,061	213,038	15,320,063
7.	Loans and financing
	a. Micro, small and medium enterprises (UMKM)	107,732,200	2,783,954	257,991	497,894	1,749,780	113,021,819	94,048,740	2,249,511	302,897	270,589	1,736,306	98,608,043
	i.	Rupiah	106,971,335	2,783,954	257,991	497,894	1,749,780	112,260,954	93,543,531	2,249,511	302,897	270,589	1,719,487	98,086,015
	ii. Foreign currencies	760,865	-	-	-	-	760,865	505,209	-	-	-	16,819	522,028
	b. Non micro, small and medium enterprises	593,561,272	14,791,155	2,346,967	960,561	9,355,182	621,015,137	532,015,554	9,804,515	1,366,164	4,591,832	6,056,823	553,834,888
	i.	Rupiah	552,271,626	13,890,100	2,346,967	938,902	5,876,513	575,324,108	493,128,596	9,413,043	970,430	1,898,909	5,268,961	510,679,939
	ii. Foreign currencies	41,289,646	901,055	-	21,659	3,478,669	45,691,029	38,886,958	391,472	395,734	2,692,923	787,862	43,154,949
	c. Restructured loans	24,139,986	8,091,539	2,018,074	843,299	9,205,442	44,298,340	51,221,862	6,864,322	1,369,766	4,624,430	4,693,232	68,773,612
	i.	Rupiah	22,230,146	7,353,906	2,018,074	821,640	5,726,773	38,150,539	49,055,308	6,512,732	974,032	1,931,507	3,890,147	62,363,726
	ii. Foreign currencies	1,909,840	737,633	-	21,659	3,478,669	6,147,801	2,166,554	351,590	395,734	2,692,923	803,085	6,409,886
8.	Equity investment	538,590	-	-	-	770	539,360	538,590	-	-	-	770	539,360
9.	Other receivables	111,737	-	-	-	-	111,737	335,816	-	-	-	2,633	338,449
10.	Commitments and contingencies
	a. Rupiah	346,185,031	1,391,572	44,435	17,535	80,288	347,718,861	289,889,505	893,110	6,300	13,858	10,451	290,813,224
	b. Foreign currencies	54,019,044	123,218	-	-	29,010	54,171,272	43,463,348	22,936	-	15,252	51,593	43,553,129
III.	OTHER INFORMATION
1.	Value of bank's assets pledge as collateral :
	a. To Bank Indonesia						-						-
	b. To Other Parties						-						-
2.	Foreclosed assets						1,900,256						1,337,652

PT BANK CENTRAL ASIA Tbk & Subsidiaries

CALCULATION OF CAPITAL ADEQUACY RATIO / CAR

As of September 30, 2023 & 2022

															(In millions of Rupiah)
													Unaudited	Unaudited
													Sep 30, 2023	Sep 30, 2022
													Individual	Consolidated	Individual	Consolidated
I.	Tier 1 Capital											210,490,123	227,069,130	187,687,698	203,426,768
	1.	Common Equity Tier 1									210,490,123	227,069,130	187,687,698	203,426,768
		1.1. Paid-in Capital (After the deduction of treasury stock)						1,540,938	1,540,938	1,540,938	1,540,938
		1.2. Disclosed Reserves									225,673,536	234,896,560	203,186,695	211,593,068
		1.2.1.	Addition Factor									227,648,162	236,949,891	204,601,158	213,031,847
			1.2.1.1.	Other comprehensive income							11,695,439	12,277,006	10,648,606	11,143,078
				1.2.1.1.1.	Translation of financial statements in foreign currency				-	423,722	-	412,571
				1.2.1.1.2. Unrealized gain on financial assets measured through other comprehensive income		1,116,960	1,141,182	1,228,706	1,212,905
				1.2.1.1.3.	Revaluation surplus of fixed assets						10,578,479	10,712,102	9,419,900	9,517,602
			1.2.1.2.	Other disclosed reserves							215,952,723	224,672,885	193,952,552	201,888,769
				1.2.1.2.1.	Agio							5,711,368	5,711,368	5,711,368	5,711,368
				1.2.1.2.2.	General Reserves							3,234,149	3,234,149	2,826,792	2,826,792
				1.2.1.2.3.	Previous year's profit							171,709,605	179,509,371	157,387,842	164,524,205
				1.2.1.2.4.	Current year's profit							35,297,601	36,217,997	28,026,550	28,826,404
				1.2.1.2.5.	Fund for paid-in capital							-	-	-	-
				1.2.1.2.6.	Others							-	-	-	-
		1.2.2.	Deduction Factor									(1,974,626)	(2,053,331)	(1,414,463)	(1,438,779)
			1.2.2.1.	Other comprehensive income							(58,041)	(58,041)	(56,226)	(56,226)
				1.2.2.1.1.	Translation of financial statements in foreign currency				-	-	-	-
				1.2.2.1.2. Unrealized loss on financial assets measured through other comprehensive account		(58,041)	(58,041)	(56,226)	(56,226)
			1.2.2.2.	Other disclosed reserves							(1,916,585)	(1,995,290)	(1,358,237)	(1,382,553)
				1.2.2.2.1.	Disagio							-	-	-	-
				1.2.2.2.2.	Previous year's losses							-	(61,857)	-	-
				1.2.2.2.3.	Current year's losses							-	-	-	-
				1.2.2.2.4. Difference between allowance for possible losses and allowance for impairment losses on earning assets	-	-	-	-
				1.2.2.2.5. Difference on the total of fair value adjustment from financial instruments in trading book		-	-	-	-
				1.2.2.2.6. Allowance for losses on non productive assets required to be provided			(1,916,585)	(1,933,433)	(1,358,237)	(1,382,553)
				1.2.2.2.7.	Others							-	-	-	-
		1.3. Non-controlling interest										-		-
		1.4. Deduction Factor of Common Equity Tier 1							(16,724,351)	(9,368,368)	(17,039,935)	(9,707,238)
		1.4.1.	Deferred tax									(6,710,919)	(6,817,763)	(7,049,382)	(7,221,352)
		1.4.2.	Goodwill											(1,113,614)		(1,113,614)
		1.4.3.	Other intangible assets							(292,388)	(327,006)	(337,009)	(371,331)
		1.4.4.	Investments in shares of stock							(9,721,044)	(1,109,985)	(9,653,544)	(1,000,941)
		1.4.5. Shortage of capital on insurance subsidiary company							-		-
		1.4.6.	Securitisation Exposure							-	-	-	-
		1.4.7. Other deduction factor of common equity tier 1						-	-	-	-
			1.4.7.1. Investments in Instruments issued by the other bank that meet the criteria for inclusion in additional tier 1 and tier 2	-	-	-	-
			1.4.7.2. Cross ownership of other entities obtained due to transfer because of law, grant, or bequest		-	-	-	-
			1.4.7.3. Exposures of settlement risk - Non Delivery Versus Payment				-	-	-	-
			1.4.7.4. Exposures in subsidiary company that carry out business activities based on sharia principles			-		-
	2.	Additional Tier 1 Capital									-	-	-	-
		2.1. Instruments issued by the bank that meet the criteria for inclusion in additional tier 1 capital				-	-	-	-
		2.2. Agio / Disagio										-	-	-	-
		2.3. Deduction factor										-	-	-	-
		2.3.1. Investments in Instruments issued by the other bank that meet the criteria for inclusion in additional tier 1 and tier 2		-	-	-	-
		2.3.2. Cross ownership of other entities obtained due to transfer because of law, grant, or bequest			-	-	-	-
II.	Tier 2 Capital											8,284,552	8,528,233	7,728,651	7,924,253
	1. Instruments issued by the bank that meet the criteria for inclusion in tier 2 capital				224,500	224,500	311,500	311,500
	2.	Agio / disagio										-	-	-	-
	3. General allowance for losses on earning assets (max. 1.25% from risk-weighted assets)				8,060,052	8,303,733	7,417,151	7,612,753
	4. Deduction Factor of Tier 2 Capital							-	-	-	-
		4.1. Sinking Fund										-	-	-	-
		4.2. Investments in Instruments issued by the other bank that meet the criteria for inclusion in additional tier 2			-	-	-	-
		4.3. Cross ownership of other entities obtained due to transfer because of law, grant, or bequest				-	-	-	-
Total Capital											218,774,675	235,597,363	195,416,349	211,351,021
							Unaudited		Unaudited		Unaudited	Unaudited
							Sep 30, 2023		Sep 30, 2022	DESCRIPTION	Sep 30, 2023	Sep 30, 2022
							Individual	Consolidated		Individual	Consolidated		Individual	Consolidated	Individual	Consolidated
RISK-WEIGHTED ASSETS (RWAs)								CAR RATIO
	RWAs CONSIDERING CREDIT RISK			690,189,299	714,235,902		639,013,440	658,146,776	CET 1 Ratio (%)	28.39%	28.47%	24.36%	25.53%
	RWAs CONSIDERING MARKET RISK		3,012,610	5,095,373		475,397	1,675,363	Tier 1 Ratio (%)	28.39%	28.47%	24.36%	25.53%
	RWAs CONSIDERING OPERATIONAL RISK		48,325,210	78,117,459		130,944,329	137,075,529	Tier 2 Ratio (%)	1.12%	1.07%	1.00%	0.99%
	TOTAL RISK-WEIGHTED ASSETS			741,527,119	797,448,734		770,433,166	796,897,668	CAR Ratio (%)	29.50%	29.54%	25.36%	26.52%
Min. capital requirements based on risk profile		9.99%	9.99%		9.99%	9.99%	CET 1 FOR BUFFER (%)	19.51%	19.55%	15.37%	16.53%
REGULATORY MINIMUM CAPITAL REQUIREMENT						REGULATORY BUFFER PERCENTAGE REQUIRED BY
ALLOCATION BASED ON RISK PROFILE						BANK (%)
	From CET 1 (%)					8.87%	8.92%		8.99%	9.00%	Capital Conservation Buffer (%)	2.500%	2.500%	2.500%	2.500%
	From AT 1 (%)					0.00%	0.00%		0.00%	0.00%	Countercyclical Buffer (%)	0.000%	0.000%	0.000%	0.000%
	From Tier 2 (%)					1.12%	1.07%		1.00%	0.99%	Capital Surcharge For Systemic Bank (%)	2.500%	2.500%	2.500%	2.500%

PT BANK CENTRAL ASIA Tbk

ALLOWANCE FOR IMPAIRMENTS LOSSES ON EARNINGS ASSETS

As of September 30, 2023 & 2022

(In millions of Rupiah)

			September 30, 2023 (Unaudited)			September 30, 2022 (Unaudited)
						Calculate Allowance for Possible					Calculate Allowance for Possible
No.	ACCOUNTS	Allowance for Impairment		Losses on Earning Assets	Allowance for Impairment		Losses on Earning Assets
		Stage 1	Stage 2		Stage 3	General	Specific	Stage 1	Stage 2		Stage 3	General	Specific
1.	Placement with other banks	2,142	-		-	140,426	-	3,073	-		-	242,169	-
2.	Spot and derivative/forward receivables	-	-		-	1,047	-	-	-		-	1,886	-
3.	Securities	20,236	-		100,000	429,510	100,327	55,002	-		121,304	445,420	125,087
4.	Securities sold under repurchase agreement							-	-		-
	(repo)	-	-		-	-	-	-	-		-	-	-
5.	Claims on securities bought under reverse							-	-		-
	repo	-	-		-	-	-	-	-		-	-	-
6.	Acceptance receivables	71,704	26,060		172,246	128,675	211,455	95,683	31,261		184,095	150,757	216,090
7.	Loans and financing	12,322,029	11,925,286		10,175,227	6,933,829	7,795,951	12,167,142	13,372,048		9,971,406	6,162,352	6,623,692
8.	Equity investment	102,596	-		1,770	102,596	1,770	101,921	-		1,770	101,921	1,770
9.	Other receivables	412	-		-	1,340	-	499	-		2,261	3,631	2,633
10.	Commitments and Contingencies	3,340,160	128,611		60,836	322,629	179,422	3,072,472	148,072		46,187	309,015	119,210

PT BANK CENTRAL ASIA Tbk & Subsidiaries

STATEMENT OF COMMITMENTS & CONTINGENCIES

As of September 30, 2023 & December 31, 2022

(In millions of Rupiah)

			INDIVIDUAL	CONSOLIDATED
No.		ACCOUNTS	Unaudited	Audited	Unaudited	Audited
			Sep 30, 2023	Dec 31, 2022	Sep 30, 2023	Dec 31, 2022
I.	COMMITTED RECEIVABLES	16,040,615	11,384,137	21,747,915	16,717,187
	1.	Unused borrowings/financing facilities	-	-	5,636,794	5,333,050
	2.	Foreign currency positions to be received from spot and
		derivatives/forward transactions	15,250,728	11,048,683	15,321,234	11,048,683
	3.	Others	789,887	335,454	789,887	335,454
II.	COMMITTED LIABILITIES	409,451,771	355,707,104	411,169,979	356,942,142
	1.	Unused credit/financing facilities	375,213,602	321,665,351	376,931,810	322,900,389
		a. Committed	294,316,512	231,408,127	294,871,370	231,731,863
		b. Uncommitted	80,897,090	90,257,224	82,060,440	91,168,526
	2.	Outstanding irrevocable letters of credit	11,787,802	14,651,885	11,787,802	14,651,885
	3.	Foreign currency positions to be submitted for spot and
		derivatives/forward transactions	20,750,697	18,987,539	20,750,697	18,987,539
	4.	Others	1,699,670	402,329	1,699,670	402,329
III.	CONTINGENT RECEIVABLES	193,645	418,870	613,645	838,870
	1.	Received guarantees	193,645	418,870	613,645	838,870
	2.	Others	-	-	-	-
IV.	CONTINGENT LIABILITIES	22,405,336	19,748,189	22,471,158	19,795,126
	1.	Issued guarantees	22,405,336	19,748,189	22,471,069	19,795,037
	2.	Others	-	-	89	89