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)
Always by your side
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
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PT Bank Central Asia Tbk published this content on 28 October 2019 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 28 October 2019 10:06:09 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.