PT BANK CENTRAL ASIA Tbk & Subsidiaries
STATEMENTS OF FINANCIAL POSITION
As of December 31, 2022 & 2021
(In millions of Rupiah) | ||||||
INDIVIDUAL | CONSOLIDATED | |||||
No. | ACCOUNTS | Audited | Audited | Audited | Audited | |
Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2021 |
ASSETS
- Cash
- Placement with Bank Indonesia
- Placement with other banks
- Spot and derivative/forward receivables
- Securities
- Securities sold under repurchase agreement (repo)
- Claims on securities bought under reverse repo
- Acceptance receivables
- Loans and financing
- Sharia financing
- Equity investment
- Other financial assets
- Impairment on financial assets -/-
- Securities
- Loans and Sharia financing
- Others
-
Intangible assets
Accumulated amortization on intangible asset -/- - Fixed assets and equipment
Accumulated depreciation on fixed assets and equipment -/- - Non earning assets
- Abandoned property
- Foreclosed assets
- Suspense accounts
- Interbranch assets
- Other assets
21,281,939
120,983,623
15,813,222
100,318
243,727,246
-
152,408,798
15,515,098
691,141,340
-
10,261,404
9,844,592
(34,480,718)
(161,989)
(33,892,635)
(426,094)
2,511,297
(2,114,743)
33,403,377
(9,512,383)
1,570,596
68,293
1,482,150
13,134
7,019
10,911,349
23,607,364
133,302,108
28,114,587
1,330,085
222,804,896
-
145,529,001
11,460,314
620,640,134
-
10,193,904
9,768,580
(33,016,176)
(196,218)
(32,189,591)
(630,367)
2,270,402
(1,859,328)
29,940,202
(8,481,767)
1,338,993
38,893
1,233,051
13,967
53,082
8,548,500
21,359,509
122,792,126
17,453,443
100,318
255,961,933
303,227
153,966,411
15,515,098
703,562,178
7,576,818
956,676
10,913,537
(35,462,188)
(180,268)
(34,839,835)
(442,085)
3,872,186
(2,305,066)
34,780,533
(10,071,161)
1,725,571
88,655
1,616,757
13,140
7,019
11,730,525
23,615,635
135,020,049
29,523,621
1,330,085
231,066,100
79,748
147,066,103
11,460,314
630,653,538
6,248,459
841,711
10,758,103
(34,093,869)
(209,381)
(33,238,656)
(645,832)
3,605,958
(2,023,666)
31,108,373
(8,939,074)
1,523,208
54,501
1,401,658
13,967
53,082
9,500,284
TOTAL ASSETS
1,283,366,355
1,205,491,799
1,314,731,674
1,228,344,680
PT BANK CENTRAL ASIA Tbk & Subsidiaries
STATEMENTS OF FINANCIAL POSITION
As of December 31, 2022 & 2021
(In millions of Rupiah) | |||||
INDIVIDUAL | CONSOLIDATED | ||||
No. | ACCOUNTS | Audited | Audited | Audited | Audited |
Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2021 | ||
LIABILITIES AND EQUITIES | |||||
LIABILITIES | |||||
1. | Current account | 321,895,959 | 284,639,503 | 323,924,052 | 285,639,525 |
2. | Saving account | 520,387,136 | 479,404,641 | 524,013,719 | 481,372,612 |
3. | Time deposit | 181,376,508 | 202,939,420 | 191,780,247 | 208,936,634 |
4. | Electronic money | 1,123,551 | 935,221 | 1,123,551 | 935,221 |
5. | Liabilities to Bank Indonesia | 577 | 577 | 577 | 577 |
6. | Liabilities to other banks | 8,006,044 | 10,039,091 | 7,936,209 | 10,017,194 |
7. | Spot and derivative/forward liabilities | 383,273 | 55,162 | 383,273 | 55,162 |
8. Liabilities on securities sold under repurchase
agreement (repo) | - | - | 255,962 | 77,021 | |
9. | Acceptance liabilities | 9,666,648 | 6,644,294 | 9,666,648 | 6,644,294 |
10. | Issued securities | 500,000 | 500,000 | 500,000 | 982,149 |
11. | Loans/financing received | 11,887 | 417 | 1,316,374 | 975,648 |
12. | Margin deposit | 283,817 | 229,304 | 284,077 | 229,556 |
13. | Interbranch liabilities | 8,996 | 6,904 | 8,996 | 6,904 |
14. | Other liabilities | 27,508,089 | 25,385,703 | 32,356,334 | 29,623,249 |
15. | Minority interest | - | - | 163,049 | 136,172 |
TOTAL LIABILITIES | 1,071,152,485 | 1,010,780,237 | 1,093,713,068 | 1,025,631,918 | |
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 | 11,500,000 | 11,500,000 | |
b. Unpaid capital -/- | (3,959,062) | (3,959,062) | (9,959,062) | (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 | 9,061,796 | 12,455,457 | 9,667,038 | 13,023,485 |
a. Gains | 12,374,201 | 15,480,062 | 12,969,833 | 16,042,726 | |
b. Losses -/- | (3,312,405) | (3,024,605) | (3,302,795) | (3,019,241) | |
19. | Reserves | 2,826,792 | 2,512,565 | 2,826,792 | 2,512,565 |
a. General reserves | 2,826,792 | 2,512,565 | 2,826,792 | 2,512,565 | |
b. Appropriated reserves | - | - | - | - | |
20. | Gain/loss | 193,072,976 | 172,491,234 | 201,434,861 | 180,086,797 |
a. Previous years | 172,211,209 | 154,811,304 | 179,806,772 | 162,396,977 | |
b. Current Year | 39,969,400 | 31,412,770 | 40,735,722 | 31,422,660 | |
c. Dividends paid -/- | (19,107,633) | (13,732,840) | (19,107,633) | (13,732,840) |
TOTAL EQUITIES
212,213,870
194,711,562
221,018,606
202,712,762
TOTAL LIABILITIES AND EQUITIES
1,283,366,355
1,205,491,799
1,314,731,674
1,228,344,680
PT BANK CENTRAL ASIA Tbk & Subsidiaries
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
For Years Ended December 31, 2022 & 2021
(In millions of Rupiah)
INDIVIDUAL | CONSOLIDATED | ||||
No. | ACCOUNTS | Audited | Audited | Audited | Audited |
Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2021 | ||
OPERATIONAL INCOME AND EXPENSES | |||||
A. Interest income and expenses | |||||
1. | Interest income | 68,103,869 | 62,039,167 | 72,458,787 | 65,979,796 |
2. | Interest expenses | 7,911,488 | 9,252,244 | 8,315,434 | 9,509,175 |
Net interest income (expenses) | 60,192,381 | 52,786,923 | 64,143,353 | 56,470,621 | |
B. Other operational income and expenses | |||||
1. | Gains (losses) from increase (decrease) fair value on financial | ||||
assets | (1,559,817) | 324,518 | (1,506,999) | 335,239 | |
2. | Gains (losses) from decrease (increase) fair value on financial | ||||
liabilities | - | - | - | - | |
3. | Gains (losses) on sale of financial assets | (130,427) | 713,818 | (44,620) | 760,854 |
4. | Gains (losses) on spot and derivatives/forward (realised) | 341,702 | 1,421,964 | 346,244 | 1,432,313 |
5. | Gains (losses) on investment under equity method | - | - | - | - |
6. | Gains (losses) from translation of foreign currency transactions | 2,337,188 | (94,681) | 2,338,937 | (91,125) |
7. | Dividend income | 1,702,184 | 2,045,885 | 46,530 | 10,034 |
8. | Commission/provision/fee and administration income | 16,455,832 | 14,539,773 | 16,583,965 | 14,679,877 |
9. | Other income | 1,791,683 | 1,555,404 | 4,909,320 | 4,299,519 |
10. | Impairment of financial assets | 4,383,978 | 8,994,680 | 4,526,619 | 9,323,995 |
11. | Losses on operational risk | 12,962 | 27,624 | 13,272 | 27,752 |
12. | Personnel expenses | 12,190,691 | 12,326,825 | 13,651,458 | 13,487,127 |
13. | Promotion expenses | 1,041,150 | 745,336 | 1,318,563 | 964,487 |
14. | Others expenses | 14,275,567 | 12,472,333 | 16,867,892 | 14,954,378 |
Net Other Operational Income (Expenses) | (10,966,003) | (14,060,117) | (13,704,427) | (17,331,028) | |
OPERATIONAL PROFIT (LOSS) | 49,226,378 | 38,726,806 | 50,438,926 | 39,139,593 | |
NON OPERATIONAL INCOME AND EXPENSES | |||||
1. | Gains (losses) on sale of fixed assets and equipment | (24,616) | (1,447) | (23,091) | 16,764 |
2. | Other non operational income (expenses) | (205,520) | (452,693) | 51,198 | (315,183) |
NON OPERATIONAL PROFIT (LOSS) | (230,136) | (454,140) | 28,107 | (298,419) | |
CURRENT YEAR PROFIT (LOSS) BEFORE TAX | 48,996,242 | 38,272,666 | 50,467,033 | 38,841,174 | |
Income tax | 9,026,842 | 6,859,896 | 9,711,461 | 7,401,015 | |
a. Estimated current year tax | 9,804,547 | 7,577,746 | 10,419,353 | 8,152,163 | |
b. Deferred tax income (expenses) | 777,705 | 717,850 | 707,892 | 751,148 | |
NET PROFIT (LOSS) AFTER TAX | 39,969,400 | 31,412,770 | 40,755,572 | 31,440,159 | |
NET PROFIT (LOSS) OF MINORITY INTEREST | 19,850 | 17,499 | |||
OTHER COMPREHENSIVE INCOME | |||||
1. | Items that will not be reclassified subsequently to | ||||
profit or loss | |||||
a. Revaluation surplus of fixed assets | 1,189,684 | - | 1,225,786 | 90 | |
b. Gains (losses) from actuary benefit program | (287,800) | 1,355,520 | (283,344) | 1,350,669 | |
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 | - | - | 52,708 | 4,568 | |
b. Gains (losses) from changes in fair value of financial assets- | |||||
debt instruments measured through other comprehensive | |||||
income | (4,261,343) | (927,753) | (4,317,868) | (928,421) | |
c. Others | - | - | - | - | |
OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER | |||||
INCOME TAX | (3,359,459) | 427,767 | (3,322,718) | 426,906 | |
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR | 36,609,941 | 31,840,537 | 37,432,854 | 31,867,065 | |
Net Profit (Loss) Attributable To : | |||||
OWNERS OF THE PARENT | 39,969,400 | 31,412,770 | 40,735,722 | 31,422,660 | |
NON-CONTROLLING INTEREST | 19,850 | 17,499 | |||
NET PROFIT (LOSS) | 39,969,400 | 31,412,770 | 40,755,572 | 31,440,159 | |
Total Comprehensive Profit (Loss) Attributable To : | |||||
OWNERS OF THE PARENT | 36,609,941 | 31,840,537 | 37,413,477 | 31,849,276 | |
NON-CONTROLLING INTEREST | 19,377 | 17,789 | |||
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR | 36,609,941 | 31,840,537 | 37,432,854 | 31,867,065 | |
DIVIDEND | (19,107,633) | (13,732,840) | (19,107,633) | (13,732,840) | |
EARNINGS PER SHARE (in full amount) | 330 | 255 | |||
PT BANK CENTRAL ASIA Tbk & Subsidiaries
CONSOLIDATED STATEMENTS OF CASH FLOWS
For Years Ended December 31, 2022 & 2021
(In millions of Rupiah)
CONSOLIDATED | |||||
No. | ACCOUNTS | Audited | Audited | ||
Dec 31, 2022 | Dec 31, 2021 | ||||
I. | CASH FLOWS FROM OPERATING ACTIVITIES | ||||
1. | Receipts of interest and sharia income, fees and commissions | 89,720,816 | 87,630,904 | ||
2. | Other operating income | 5,595,626 | 4,787,096 | ||
3. | Payments of interest and sharia expenses, fees and commissions | (8,372,338) | (9,606,910) | ||
4. | Payments of post-employment benefits | (362,848) | (2,020,877) | ||
5. | (Loss) gain from foreign exchange transactions - net | 3,083,584 | 1,488,981 | ||
6. | Other operating expenses | (29,944,225) | (27,304,565) | ||
7. | Payment of tantiem to Board of Commissioners and Directors | (493,000) | (440,390) | ||
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 | 9,776,116 | (5,905,153) | |||
b. Financial assets measured at fair value through profit and loss | (209,675) | 887,455 | |||
c. Acceptance receivables | (4,054,784) | (2,906,339) | |||
d. Bills receivable | 633,297 | 1,766,963 | |||
e. Securities purchased under agreements to resell | (6,900,307) | (245,707) | |||
f. | Loans receivable | (73,189,294) | (51,043,093) | ||
g. Consumer financing receivables | (222,986) | (400,472) | |||
h. Finance leases receivables - net | (38,002) | 10,292 | |||
i. Assets related to sharia transactions | (1,456,064) | (840,578) | |||
j. | Other assets | (25,785) | 1,059,049 | ||
k. | Deposits from customers | 55,348,155 | 133,511,934 | ||
l. | Sharia deposits | 1,205,821 | 468,387 | ||
m. Deposits from other banks | (2,241,366) | (206,217) | |||
n. Acceptance payables | 3,022,354 | 2,244,249 | |||
o. Accruals and other liabilities | 2,293,350 | 1,372,445 | |||
p. Temporary syirkah deposits | 718,387 | 404,360 | |||
Net cash provided by (used in) operating activities before income tax | 43,886,832 | 134,711,814 | |||
9. | Payment of income tax | (10,107,569) | (8,525,496) | ||
Net cash provided by (used in) operating activities | 33,779,263 | 126,186,318 | |||
II. | CASH FLOWS FROM INVESTING ACTIVITIES | ||||
1. | Proceeds from sales of investment securities | 150,000 | 3,656 | ||
2. | Acquisition of investment securities | (136,240,737) | (128,125,285) | ||
3. | Proceeds from investment securities that matured during the year | 107,010,907 | 90,154,180 | ||
4. | Cash dividends received from investment in shares | 46,530 | 10,034 | ||
5. | Payment for acquisition activities | - | - | ||
6. | Acquisition of fixed assets | (2,631,226) | (3,061,820) | ||
7. | Acquisition of right of use assets | (723,780) | (243,632) | ||
8. | Proceeds from sale of fixed assets | 5,320 | 15,009 | ||
Net cash provided by (used in) investing activities | (32,382,986) | (41,247,858) | |||
III. | CASH FLOWS FROM FINANCING ACTIVITIES | ||||
1. | Proceeds from debt securities issued | - | - | ||
2. | Payment of debt securities issued | (483,000) | (110,000) | ||
3. | Proceeds from borrowings | 23,546,543 | 7,227,273 | ||
4. | Payment of borrowings | (23,237,805) | (7,559,654) | ||
5. | Proceeds from increase of non-controlling interest | 7,500 | - | ||
6. | Payments of cash dividends | (19,107,633) | (13,732,840) | ||
7. | Proceeds from securities sold under repurchase agreements to repurchase | 1,490,501 | 674,374 | ||
8. | Payment of securities sold under repurchase agreements to repurchase | (1,332,322) | (597,382) | ||
Net cash provided by (used in) financing activities | (19,116,216) | (14,098,229) | |||
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS | (17,719,939) | 70,840,231 | |||
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR | 177,268,685 | 106,271,237 | |||
EFFECT OF FOREIGN EXCHANGE RATE FLUCTUATIONS ON CASH AND CASH | |||||
EQUIVALENTS | 873,625 | 157,217 | |||
CASH AND CASH EQUIVALENTS, END OF YEAR | 160,422,371 | 177,268,685 | |||
IV. | CASH AND CASH EQUIVALENTS CONSIST OF : | ||||
1. | Cash | 21,359,509 | 23,615,635 | ||
2. | Current accounts with Bank Indonesia | 104,110,295 | 65,785,161 | ||
3. | Current accounts with other banks | 4,752,659 | 11,605,371 | ||
4. | Placements with Bank Indonesia and other banks - mature within 3 (three) | ||||
months or less from the date of acquisition | 30,199,908 | 76,262,518 | |||
Total cash and cash equivalents | 160,422,371 | 177,268,685 | |||
PT BANK CENTRAL ASIA Tbk
FINANCIAL RATIOS CALCULATION
As of December 31, 2022 & 2021
Ratio | Audited | Audited | ||
Dec 31, 2022 | Dec 31, 2021 | |||
Performance Ratio | ||||
1. | Capital Adequacy Ratio (CAR) | 25.77% | 25.66% | |
2. | Non performing earning assets and non earning assets | |||
to total earning assets and non earning assets | 0.91% | 1.10% | ||
3. | Non perfoming earning assets to total earning assets | 0.81% | 1.01% | |
4. | Allowance for impairment on financial assets to earning | |||
assets | 3.01% | 2.98% | ||
5. | Gross NPL | 1.71% | 2.16% | |
6. | Net NPL | 0.59% | 0.78% | |
7. | Return on Asset (ROA) 1) | 3.91% | 3.41% | |
8. | Return on Asset (ROA) 2) | 2.80% | ||
9. | Return on Equity (ROE) | 21.70% | 18.25% | |
10. | Net Interest Margin (NIM) | 5.34% | 5.10% | |
11. | Operating Expenses to Operating Income (BOPO) | 46.54% | 54.15% | |
12. | Cost to Income Ratio (CIR) 3) | 36.10% | 36.28% | |
13. | Cost to Income Ratio (CIR) 4) | 33.92% | 34.89% | |
14. | Loan to Deposit Ratio (LDR) | 65.23% | 61.96% | |
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% | 0.50% | |
- | Average | 7.48% | 3.15% | |
b. Reserve Requirement (Foreign currencies) - daily | 2.00% | 2.00% | ||
3. | Net Open Position | 0.12% | 0.08% |
- Calculation using profit before tax divided by average total assets.
- Calculation using profit after tax divided by average total assets.
- In accordance with Financial Services Authority Circular Letter No. 9/SEOJK.03/2020 presented with the calculation of gains from trading transaction and foreign currencies on operational income; and losses from trading transaction and foreign currencies on operational expenses.
- Based on accounting standard presented at net amount of gains and losses from trading transaction and foreign currencies on operational income.
Jakarta, January 27, 2023
PT BANK CENTRAL ASIA Tbk
S.E & O
Jahja Setiaatmadja | Vera Eve Lim |
President Director | Director |
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PT Bank Central Asia Tbk published this content on 26 January 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 26 January 2023 08:52:00 UTC.