Investor Presentaiton
PPOP grew 19.1% YoY
Rp trillion
9M-22
9M-23
YOY
1Q-23
2Q-23
3Q-23
QoQ
Operating Income
62.8
74.2
18.2%
24.8
24.5
24.9
1.7%
Net Interest Income
46.1
55.9
21.3%
18.5
18.6
18.8
1.2%
Non Interest Income
16.7
18.3
9.7%
6.3
5.9
6.1
3.2%
Fees and Commissions
12.3
13.3
7.7%
4.3
4.4
4.6
6.5%
Trading Income
1.4
1.3
-1.9%
0.5
0.5
0.3
-25.1%
Loss on loan disposal
(0.6)
(0.2)
68.2%
(0.2)
n.a
Others
3.6
3.9
7.4%
1.7
1.1
1.1
2.1%
Operating Expenses
23.2
27.0
16.6%
9.2
8.4
9.4
12.2%
Manpower
10.7
12.2
14.1%
4.7
3.6
4.0
11.4%
General & Administrative
12.5
14.8
18.7%
4.5
4.8
5.4
12.8%
PPOP (Pre-Provision Operating Profit)
39.6
47.2
19.1%
15.6
16.1
15.5
-3.7%
Provision
3.9
2.3
-41.5%
1.5
0.4
0.4
-2.8%
Provision reversal on loan disposal
(0.7)
(0.2)
68.9%
(0.2)
n.a
Net Profit
29.0
36.4
25.8%
11.5
12.7
12.2
-3.4%
Analyst Meeting 9M-23
GRUP CA
BCA
Always by your side
PT Bank Central Asia Tbk
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