Investor Presentaiton
Banking sector: sustained business momentum
• Banking sector loans increased 11.0% YoY driven by
sustained business momentum across segments and
economic sectors.
Banking Sector Financial Summary (%)
(Rp trillion)
BCA
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Sep-21 Dec-21 Sep-22
ΔΥΟΥ
AYtD
Total Assets
9,735
10,112
10,488
7.7%
3.7%
.
Deposit growth rate of 6.8% YoY, a normalized level owing
to economic rebounds. LDR rose YtD, standing at 82.4% as
loans outgrew deposits.
• Margin improvement amidst
amidst rising interest
environment. Banking sector delivers sound profitability
growth in 2022.
Total Loans
5,653
5,769
6,275
11.0%
8.8%
Third Party Funds
7,162
7,479
7,647
6.8%
2.2%
CASA
4,277
4,576
4,776
11.7%
4.4%
rate
Current Accounts
1,982
2,144
2,250
13.5%
5.0%
Savings Accounts
2,295
2,432
2,525
10.0%
3.8%
Time Deposits
2,885
2,904
2,872
-0.5%
-1.1%
• Asset quality continued to improve. OJK extends the credit
restructuring relaxation policy period until March 2024.
Net Profit
104.6
140.2
154.5
47.6%
n.a
NIM
4.6%
4.6%
4.9%
30bp
30bp
• CAR ratio to increase from the implementation of
Standardized Approach for credit risk and operational risk
effective Jan23.
LDR
79.1%
77.5%
82.4%
330bp 490bp
NPL
3.2%
3.0%
2.8% -40bp -20bp
CAR
25.2%
25.7%
25.2%
Obp
-50bp
Source: OJK
Analyst Meeting FY-22
PT Bank Central Asia Tbk 5View entire presentation