PT Bank Central Asia Tbk : First Half - as of 30 June 2022 - Capital and Risk Exposure Publication Report

	1. General - Key Metrics - Bank as Consolidated with Subsidiaries
						in million Rupiah
No	Description			Period of
30 June 2022	31 March 2022	31 December 2021	30 September 2021	30 June 2021
	Available Capital (amounts)
1	Common Equity Tier 1 (CET1)	195,096,147	187,400,411	196,114,396	191,283,174	181,626,564
2	Tier 1	195,096,147	187,400,411	196,114,396	191,283,174	181,626,564
3	Total Capital	203,014,784	195,075,282	203,621,221	198,381,042	188,604,107
	Risk-Weighted Assets (amounts)
4	Total Risk-Weighted Assets (RWA)	781,575,602	776,537,322	758,288,767	724,742,291	713,946,369
	Risk-based Capital Ratios as a percentage of RWA
5	CET1 Ratio (%)	24.96%	24.13%	25.86%	26.39%	25.44%
6	Tier 1 Ratio (%)	24.96%	24.13%	25.86%	26.39%	25.44%
7	Total Capital Ratio (%)	25.98%	25.12%	26.85%	27.37%	26.42%
	Additional CET1 buffer requirements as a percentage of RWA
8	Capital Conservation Buffer requirement (2.5% from RWA) (%)	2.500%	2.500%	2.500%	2.500%	2.500%
9	Countercyclical Buffer Requirement (0 - 2.5% from RWA) (%)	0.000%	0.000%	0.000%	0.000%	0.000%
10	Bank G-SIB and/or D-SIB additional requirements (1% - 2.5%) (%)	2.500%	2.500%	2.500%	2.500%	2.500%
11	Total of bank CET1 specific buffer requirements (%) (Row 8 + Row 9 + Row 10)	5.000%	5.000%	5.000%	5.000%	5.000%
12	CET1 available after meeting the bank's minimum capital requirements (%)	15.99%	15.13%	16.86%	17.38%	16.43%
	Basel III Leverage Ratio
13	Total Basel III leverage ratio exposure measure	1,375,921,698	1,388,101,011	1,346,918,546	1,281,798,363	1,237,321,048
14	Basel III leverage ratio (%) (including the impact of any applicable temporary exemption of central bank	14.18%	13.50%	14.56%	14.92%	14.68%
	reserves)
14b	Basel III leverage ratio (%) (excluding the impact of any applicable temporary exemption of central bank	14.18%	13.50%	14.56%	14.92%	14.68%
	reserves)
14c	Basel III leverage ratio (%) (including the impact of any applicable temporary exemption of central bank	13.42%	13.73%	14.47%	14.56%	14.19%
	reserves) incorporating mean values for SFT assets
14d	Basel III leverage ratio (%) (excluding the impact of any applicable temporary exemption of central bank	13.42%	13.73%	14.47%	14.56%	14.19%
	reserves) incorporating mean values for SFT assets
	Liquidity Coverage Ratio (LCR)
15	Total High-Quality Liquid Assets (HQLA)	533,837,452	514,509,705	483,275,887	449,877,405	434,162,615
16	Total net cash outflow	132,898,925	125,478,919	120,687,059	113,662,225	111,813,631
17	LCR Ratio (%)	401.69%	410.04%	400.44%	395.80%	388.29%
	Net Stable Funding Ratio (NSFR)
18	Total Available Stable Funding	1,065,323,706	1,043,553,563	1,034,817,545	990,227,375	960,148,902
19	Total Required Stable Funding	612,646,898	588,391,772	572,616,224	544,981,601	536,020,991
20	NSFR Ratio (%)	173.89%	177.36%	180.72%	181.70%	179.13%

5. Capital - Composition of Capital (CC1)

No.

Component

Common Equity Tier 1 Capital: Instruments and Reserves

1. Directlysurplus issued qualifying common share (and equivalent for non-joint stock companies) capital plus related stock
2. Retained earnings
3. Accumulated other comprehensive income (and other reserves)
4. Directly issued capital subject to phase out from CET1 (only applicable to non-joint stock companies)
5. Common share capital issued by subsidiaries and held by third parties (amount allowed in group CET1)
6. Common Equity Tier 1 capital before regulatory adjustments

Common Equity Tier 1 capital: Regulatory Adjustments

1. Prudential valuation adjustments

1. Other intangibles other than mortgage-servicing rights (net of related tax liability)

Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related

1. tax liability)

1. Shortfall on provisions to expected losses
2. Securitisation gain on sale (as set out in paragraph 562 of Basel II framework)

1. Defined-benefitpension fund net assets
2. Investments in own shares (if not already netted off paid-in capital on reported balance sheet)
3. Reciprocal cross-holdings in common equity

1. consolidation, net of eligible short positions, where the Bank does not own more than 10% of the issued share capital (amount above 10% threshold)
   Significant investments in the common stock of Banking, financial and insurance entities that are outside the scope of
2. regulatory consolidation, net of eligible short positions (amount above 10% threshold)

21. Deferred tax assets arising from temporary differences (amount above 10% threshold, net of related tax liability)

22.

1. Significant investments in the common stock of financials
2. Mortgage servicing rights
3. Deferred tax assets arising from temporary differences
4. National specific regulatory adjustments
5. 1. Difference between allowance for possible losses and
   2. Allowance for losses on non productive assets required
   3. Deferred tax aset
   4. Investments in shares of stock
   5. Shortage of capital on insurance subsidiary company

1. g. Other deduction factor of common equity tier 1

2. Regulatorydeductions adjustments applied to Common Equity Tier 1 due to insufficient Additional Tier 1 and Tier 2 to cover
3. Total regulatory adjustments to Common equity Tier 1

29.

Amount (in million	Reference from
Rupiah)	Consolidated
Consolidated	Statements of
Financial Position
7,252,306	f
182,496,771	i
15,860,325	h
N/A
-
205,609,402
-
(1,113,614)	a
(397,459)	c
N/A

N/A

N/A

• k
• j

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

-

(1,388,565)

(6,621,387)d

(992,230)

-

-

-

(10,513,255)

195,096,147

5. Capital - Composition of Capital (CC1)

		Amount (in million
No.	Component	Rupiah)
		Consolidated
	Additional Tier 1 capital: instruments
30.	Directly issued qualifying Additional Tier 1 instruments plus related stock surplus
31.	Classified as equity under applicable accounting standards	-
32.	Classified as liabilities under applicable accounting standards	-
33.	Directly issued capital instruments subject to phase out from Additional Tier 1	N/A
34.	parties (amount allowed in group AT1)	-
35.	Instruments issued by subsidiaries subject to phase out	N/A
36.	Additional Tier 1 capital before regulatory adjustments	-
37.	Investments in own Additional Tier 1 instruments	N/A
38.	Reciprocal cross-holdings in Additional Tier 1 instruments	N/A
	Investments in the capital of Banking, financial and insurance entities that are outside the scope of regulatory
39.	consolidation, net of eligible short positions, where the Bank does not own more than 10% of the issued common share	N/A
	capital of the entity (amount above 10% threshold)
40.	Significant investments in the capital of Banking, financial and insurance entities that are outside the scope of regulatory	N/A
consolidation (net of eligible short positions)
41.	National specific regulatory adjustments
	a. Investments in Instruments issued by the other bank that meet the criteria for inclusion in additional tier 1	-
42.	Regulatory adjustments applied to Additional Tier 1 due to insufficient Tier 2 to cover deductions	-
43.	Total regulatory adjustments to Additional Tier 1 capital	-
44.		-
45.	Tier 1 capital (T1 = CET 1 + AT 1)	195,096,147
	Tier 2 capital: instruments and provisions

Reference from

Consolidated

Statements of

Financial Position

g e

46.

1. Directly issued capital instruments subject to phase out from Tier 2
2. Tier 2 instruments (and CET1 and AT1 instruments not included in rows 5 or 34) issued by subsidiaries and held by third parties (amount allowed in group Tier 2)
3. Instruments issued by subsidiaries subject to phase out
4. General allowance for losses on earning assets that must be calculated with a maximum of 1.25% of RWA for Credit Risk

Tier 2 capital: regulatory adjustments

1. Investments in own Tier 2 instruments
2. Reciprocal cross-holdings in Tier 2 instruments and other TLAC liabilities
   Investments in the other TLAC liabilities of banking, financial and insurance entities that are outside the scope of
3. regulatory consolidation and where the bank does not own more than 10% of the issued common share capital of the entity: amount previously designated for the 5% threshold but that no longer meets the conditions (for G-SIBs only)

333,250

N/A

-

N/A

7,585,387

N/A

N/A

N/A

55.	Significant investments in the capital banking, financial and insurance entities that are outside the scope of regulatory	N/A
consolidation (net of eligible short positions)
56.	National specific regulatory adjustments
	a. Sinking fund	-
	b. Investments in Instruments issued by the other bank that meet the criteria for inclusion in additional tier 2	-
57.	Total regulatory adjustments to Tier 2 capital	-
58.	Tier 2 capital (T2)	7,918,637
59.		203,014,784
60.	Total risk weighted assets	781,575,602

5. Capital - Composition of Capital (CC1)

No.

Component

Capital ratios and buffers

1. Common Equity Tier 1 (as a percentage of risk weighted assets)

1. Total capital (as a percentage of risk weighted assets)
2. Institution specific buffer requirement (minimum CET1 requirement plus capital conservation buffer plus

1. Capital conservation buffer requirement
2. Bank specific countercyclical buffer requirement
3. Higher loss absorbency requirement
4. Common Equity Tier 1 available to meet buffers (as a percentage of risk weighted assets)
5. National Common Equity Tier 1 minimum ratio (if different from Basel 3 minimum)
6. National Tier 1 minimum ratio (if different from Basel 3 minimum)

Amounts below the thresholds for deduction (before risk weighting)

1. Non-significantinvestments in the capital and other TLAC liabilities of other financial entities
2. Significant investments in the common stock of financial entities

74.

1. Deferred tax assets arising from temporary differences (net of related tax liability) Applicable caps on the inclusion of provisions in Tier 2
2. Provisionscap) eligible for inclusion in Tier 2 in respect of exposures subject to standardised approach (prior to application of
3. Cap on inclusion of provisions in Tier 2 under standardised approach
4. Provisions eligible for inclusion in Tier 2 in respect of exposures subject to internal ratings-based approach (prior to application of cap)

79.

Capital instruments subject to phase-out arrangements (only applicable between 1 Jan 2018 and 1 Jan 2022)

1. Current cap on CET1 instruments subject to phase out arrangements
2. Amount excluded from CET1 due to cap (excess over cap after redemptions and maturities)

1. Amount excluded from AT1 due to cap (excess over cap after redemptions and maturities)
2. Current cap on T2 instruments subject to phase out arrangements

Amount (in million	Reference from
Rupiah)	Consolidated
Consolidated	Statements of
Financial Position
24.96%
24.96%
25.98%
5.0%
2.500%
0.000%
2.500%
15.99%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A

6. Capital - Reconciliation of Capital (CC2)

			(in million Rupiah)
		PUBLISHED	CONSOLIDATED STATEMENTS
		STATEMENTS OF
		OF FINANCIAL POSITION
		FINANCIAL
No.	ACCOUNTS	UNDER REGULATORY SCOPE	Reference
POSITION AS OF
		OF CONSOLIDATION
		JUNE 30 2022
		AS OF JUNE 30 2022
		CONSOLIDATED
	ASSETS
1.	Cash	15,527,363	15,527,294
2. Placement to Bank Indonesia	196,460,092	196,460,092
3.	Interbank placement	16,797,805	15,708,894
4. Spot and derivative/forward receivables	185,828	185,828
5	Securities	238,009,982	235,752,552
6. Securities sold under repurchase agreement (repo)	22,733	22,733
7. Claims on securities bought under reverse
	repo	97,074,684	97,074,684
8.	Acceptance receivables	14,596,111	14,596,111
9.	Loans and financing	668,196,067	668,195,558
10.	Sharia financing	7,072,664	7,072,664
11.	Equity investment	842,561	1,830,363
12.	Other financial assets	10,950,621	10,332,721
13.	Impairment on financial assets -/-	(37,532,763)	(37,532,763)
	a. Securities	(221,084)	(221,084)
	b. Loans and Sharia financing	(36,905,680)	(36,905,680)
	c. Others	(405,999)	(405,999)
14.	Intangible assets	3,689,195	3,649,846
	Goodwill	1,158,201	1,157,121	a
	Mortgage servicing rights	-	-	b
	Other intangibles (excluding Mortgage servicing rights)	2,530,994	2,492,725	c
	Accumulated amortization on intangible asset -/-	(2,155,405)	(2,138,773)
	Goodwill	(43,512)	(43,507)	a
	Mortgage servicing rights	-	-	b
	Other intangibles (excluding Mortgage servicing rights)	(2,111,893)	(2,095,266)	c
15.	Fixed assets and equipment	30,973,374	30,833,388
	Accumulated depreciation on fixed assets and equipment -/-	(8,980,125)	(8,899,543)
16.	Non productive asset	1,597,530	1,597,530
	a. Abandoned property	66,492	66,492
	b. Foreclosed accounts	1,493,368	1,493,368
	c. Suspense accounts	18,647	18,647
	d. Interbranch assets	19,023	19,023
17.	Other assets	11,139,602	10,833,876
	Deferred tax assets	6,712,600	6,621,387	d
	TOTAL ASSETS	1,264,467,919	1,261,103,055