Investor Presentaiton
Profitability trend
Quarterly Operating Income (Rp bn) - Consolidated
Net Interest Income
Non Interest Income
24,061
21,859
20,291
20,402
20,494
Cost to Income & Cost of Credit - Bank Only
CoC -CIR
34.9%
BCA
Always by your side
35.8%
34.3%
34.5%
33.9%
75.0%
1.9%
70.5%
71.0%
74.7%
74.6%
1.6%
1.2%
0.8%
0.7%
29.5%
29.0%
25.4%
25.3%
25.0%
4Q-21
1Q-22
2Q-22
3Q-22
4Q-22
FY-21
1Q-22
1H-22
9M-22
FY-22
NIM & Risk Adj. NIM - Bank Only
Interest Rate*
6.5%
NIM
Risk Adjusted NIM
6.0%
6.0%
5.8%
5.5%
5.3%
5.0%
5.1%
4.9%
3.5%
5.0%
5.1%
5.3%
5.0%
4.8%
4.8%
4.5%
4.5%
4.6%
1M SBI/BI Time Deposits
4.4%
4.5%
4.2%
4.3%
4.3%
4.0%
3.8%
4.0%
4.0%
3.8%
3.5%
3.5%
3.0%
3.5%
3.5%
3.3%
3.3%
3.0% 3.0%
3.0% 3.0%
3.4%
3.0%
3.0%
2.9%
2.7%
2.5%
2.5%
2.0%
1.5%
FY-21
Analyst Meeting FY-22
1Q-22
1H-22
9M-22
FY-22
BCA 1M IDR Time Deposits
Dec-19 Apr-20 Jul-20 Nov-20 Mar-21 Jun-21 Oct-21 Jan-22 Apr-22 Aug-22 Oct-22 Dec-22
*Maximum interest rate offered
2.0% 1.9% 1.9% 1.9% 2.0%
2.1%
PT Bank Central Asia Tbk 18View entire presentation