Positioning for Better Growth

Transcription

1 Corporate Presentation Positioning for Better Growth Analysts Meeting Jan Jun 2018 Results PT Bank Central Asia Tbk Jakarta, 26 th July 2018

2 Table of contents page Macroeconomic Environment Macroeconomic environment 4 Banking sector highlights May Performance Overview BCA key financial highlights 7 Solid loan growth 8 Mortgages remain mainstay 9 Ample loan loss coverage 10 A leading transaction banking business 11 Solid funding franchise 12 Stable net interest margin 13 Sustained profitability 14 Quality growth through enhanced relationship 15 page Financial Review Balance sheet summary 17 Income statement summary 18 Financial ratios 19 Diversified earning assets composition 20 Breakdown of earning assets yield 21 Balanced loan portfolio 22 Moderate consumer loan growth 23 Diversified industry concentration 24 NPL maintained at a low level 25 Active management of third party funds 26 Cost efficiency ratio 27 Appendix Government bonds profile 30 BCA maintains 8 subsidiaries in 6 business lines 31 BCA credit ratings 32 BCA share performance 33 BCA awards 34 2

3 Agenda Macroeconomic Environment Performance Overview Financial Review 3

4 Macroeconomic environment Bank Indonesia forecasts 2018 economic growth of 5.1%-5.5% Ongoing infrastructure projects Modest private consumption growth Cautious on US China trade tension Low annual inflation of 3.1% in Jun-18 Inflation and BI Rates (%) 20% Inflation 16% 12% 8% 4% BI Rate (12-month term structure) Source: Central Bureau of Statistics (BPS) and Bank Indonesia % Jul-05 Dec-06 May-08 Oct-09 Mar-11 Aug-12 Jan-14 Jun-15 Nov-16 Jul-18 Rupiah/USD Accelerated Rupiah depreciation in 2Q18 US monetary policy normalization continued BI 7-day reverse repo increased 100 bps to 5.25% in 2Q18 15,000 13,000 11,000 9,000 10,775 9,450 8,703 8,690 11,050 12,650 12,100 10,501 9,378 9,125 8,464 11,649 9,868 12,240 11,764 11,293 14,693 14,016 13,383 12,984 13,012 14,482 7,000 Jul-05 Mar-07 Oct-08 May-10 Dec-11 Mar-13 Jun-14 Aug-15 Dec-16 Jul-18 Source: Bloomberg 4

5 Banking sector highlights May 2018 Banking Sector Financial Summary (Rp trillion) Banking sector performance steady May-17 Dec-17 May-18 YTD Change YOY Change Total sector loans of Rp4,879tn (+10.3% / Rp454tn YoY) Total sector third party funds grew Rp325tln (+6.5% YoY) to Rp5,337tn Net profit grew 6.7% YoY to Rp57.5tn NPL ratio increased 20 bps to 2.8% in May-18 from Dec-17 Total Assets 6,912 7,388 7, % 9.2% Total Loans 4,425 4,738 4, % 10.3% Third Party Funds 5,012 5,289 5, % 6.5% Current Accounts 1,207 1,233 1, % 7.6% Savings 1,493 1,701 1, % 12.3% Time Deposits 2,312 2,355 2, % 2.1% Net Profit n.a 6.7% NIM 5.4% 5.3% 5.1% -20bp -30bp CAR stood at 22.2% and LDR at 92.0% LDR * 88.6% 90.0% 92.0% 200bp 340bp NPL 3.1% 2.6% 2.8% 20bp -30bp CAR 22.9% 23.2% 22.2% -100bp -70bp Source: Bank Indonesia / Financial Services Authority (OJK) * LFR data is not available 5

6 Agenda Macroeconomic Environment Performance Overview Financial Review 6

7 BCA key financial highlights Outstanding loans grew Rp61.3tn or 14.2% YoY to Rp494.6tn Gross NPL ratio stood at 1.4% supported by corporate write-offs Third party funds increased Rp43.3tn or 7.6% YoY to Rp615.6tn CASA up Rp54.3tn or 12.7% YoY to Rp481.3tn Time deposits decreased Rp11.0tn or 7.6% YoY to Rp134.3tn Net profit rose 8.4% YoY to Rp11.4tn CAR stood at 22.8% and LFR at 77.0% (Rp billion) Jun-17 Dec-17 Jun-18 YTD Change YOY Change Total Assets 738, , , % 7.3% Outstanding Loans 433, , , % 14.2% Third Party Funds 572, , , % 7.6% Net Interest Income 20,372 41,858 21,783 n.a 6.9% Non Interest Income 7,049 15,126 7,719 n.a 9.5% Operating Expenses (13,247) (25,192) (14,348) n.a 8.3% Profit before Provisions & Tax 14,174 31,792 15,154 n.a 6.9% Pre-Tax Profit 13,238 29,159 14,328 n.a 8.2% Net Profit 10,535 23,310 11,421 n.a 8.4% EPS year to date Rp427 Rp945 Rp463 n.a Rp36 (Bank only) Jun-17 Dec-17 Jun-18 YTD Change YOY Change ROA 3.7% 3.9% 3.6% -30bp -10bp ROE 18.3% 19.2% 17.3% -190bp -100bp NIM 6.3% 6.2% 6.0% -20bp -30bp LFR 74.5% 78.2% 77.0% -120bp 250bp NPL 1.5% 1.5% 1.4% -10bp -10bp CAR 22.1% 23.1% 22.8% -30bp 70bp 7

8 Solid loan growth Loans (Rp billion) Loan portfolio grew 14.0% YoY (bank only) to Rp494tn in June , , , , , , ,157 Ramadhan seasonality drove business loan demand in 2Q18 335, , , , , , ,112 Total facilities increased 12.5% YoY Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 1H18 loan utilization rate rose to 71.7% from 70.7% in 1H17 Loans Breakdown (Bank only, Rp billion) Jun-17 Dec-17 Jun-18 YTD Change YoY Change Corporate 160, , , % 19.1% Commercial & SME * 151, , , % 15.1% Consumer* 120, , , % 6.0% Total Outstanding 433, , , % 14.0% Total Facilities** 612, , , % 12.5% * BCA reclassified commercial property loan for business purpose from mortgage (consumer loans) to commercial & SME loans ** Including uncommitted facilities of Rp43.9tn in Jun-17, Rp48.3tn in Dec-17 and Rp54.6tn in Jun-18 8

9 Mortgages remain mainstay Mortgages key pillar of BCA s consumer loan portfolio Mortgages comprised 58.2% of total consumer lending Total Mortgage Portfolio *(Bank only, Rp trillion) % YoY 74.6 Innovative mortgage products reinforced BCA s market position In Feb-18, launched anniversary Fix and Cap product with historic low interest rate (2-year 5.61% p.a fixed rate + 3-year adjustable rate capped at 6.61% p.a.) In Apr-18, moved to 3-year 5.88% p.a fixed rate mortgage Mortgage Portfolio (Bank only) Jun-17 Dec-17 Jun-18 Number of Customers Accounts 99,281 99,184 98,646 Total Outstanding (Rp billion) 71,662 73,026 74,556 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Average Loan Outstanding (Rp million) * For comparison purpose, the above mortgage data excluded the value of commercial property loan for business purpose totaled to Rp1.0tn in Mar-17, Rp3.6tn in Jun-17, Rp4.9tn in Sep-17 9

10 5,241 5,622 5,452 6,025 6,373 6,729 6,945 7,223 7,075 10,113 11,300 12,505 12,250 12,511 12,842 13,243 13,261 13,283 Ample loan loss coverage Loan Quality (Bank only, Rp billion) Jun-17 Dec-17 Jun-18 Active monitoring of loan portfolio Special Mention category in part increased due to customer late payment during Ramadhan holiday NPL stood at 1.4%, within risk appetite limits Increase in mortgage NPL ratio to 1.5% but backed by solid collateral Current 416, , ,887 Special Mention 10,805 6,722 11,458 Performing Loans 427, , ,345 Substandard 1,320 1, Doubtful Loss 4,311 4,272 5,594 NPL 6,373 6,945 7,075 Total Loans 433, , ,420 NPL Ratio - gross 1.5% 1.5% 1.4% NPL Ratio - net 0.4% 0.4% 0.4% NPL and Loan Provision (Bank only, Rp billion) 193.0% 201.0% 229.4% 203.3% 196.3% 190.8% 190.7% 183.6% 187.8% Loan loss reserves up 6.2% YoY to Rp13.3tn in June 2018 Provision/NPL coverage of 187.8% Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 NPL Loan Provision Loan Provision/NPL 10

11 A leading transaction banking business BCA s nearly 18 million interconnected customer accounts benefit from the Bank s growing and multichannel transaction banking platform Supported by 1,241 branches, 17,565 ATMs (of which 4,952 units are CRM) and more than 490,000 EDC s nationwide. 98% of transactions are digital. In-branch transactions account for 54% of transactions by value but only 2% by frequency Frequency of high cost in-branch transactions down in shift to digital channels Branch Banking Number of Transactions (million) Transaction Value (Rp trillion) 7, , ,141.4 ATM Number of Transactions (million) Transaction Value (Rp trillion) , , ,003.6 Jun-16 Jun-17 Jun-18 Jun-16 Jun-17 Jun-18 Mobile Banking Internet Banking Number of Transactions (million) Transaction Value (Rp trillion) Number of Transactions (million) Transaction Value (Rp trillion) 3, , , ,109.3 Jun-16 Jun-17 Jun-18 Jun-16 Jun-17 Jun-18 11

12 Solid funding franchise Third Party Funds (Rp billion) Strong liquidity with secondary reserves totaling Rp91.6tn or 14.9% of third party funds Loan to Funding Ratio stood at 77.0%, compared to 74.5% in the previous year 572, , , , , , , , , , , , , , , , , , , , , , , ,098 Total third party funds rose 7.6% or Rp43.3tn YoY to Rp615.6tn CASA grew Rp54.3tn or 12.7% YoY to Rp481.3tn Time Deposits decreased Rp11.0tn or 7.6% YoY to Rp134.3tn Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Savings Accounts Current Accounts Time Deposits Third Party Funds (as of 30 June 2018) Savings Accounts 51.2% Rp615,551 billion Current Accounts 27.0% Time Deposits 21.8% 12

13 Stable net interest margin NIM stabilized QoQ, in line with steady earning asset yield Time deposit rates increased 75 bps in 2Q 2018 NIM, Yield and Cost of Funds (Bank only) 16% % Yield % NIM 4% 5.76 CoF % NIM (ytd,%, Bank only) Interest Rate* 16% % Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 8% 4% 0% M SBI / BI Term Deposits M Rupiah Time Deposits Savings Rupiah Current Accounts Earning Assets Yield Cost of Funds NIM * Maximum interest rate offered 13

14 Sustained profitability Combined Net Interest Income and Non Interest Income grew 7.6% YoY to Rp29.5tn Net Interest Income increased 6.9% YoY to Rp21.8tn while Non Interest Income grew 9.5% YoY to Rp7.7tn Bank-only Cost Efficiency Ratio of 48.3% Consolidated Net Profit up 8.4% YoY to Rp11.4tn Profitability (Rp billion) 27,421 29,502 21,783 20,372 14,174 15,154 10,535 11,421 7,049 7,719 Jun-17 Jun-18 Net Interest Income Profit before Provisions and Tax Non Interest Income Net Profit Non Interest Income (Rp billion) 7,719 7,049 2,202 2,114 Bank-only Net Profit up 7.7% YoY to Rp10.9tn 4,935 5,517 Jun-17 MTM & Trading Gains, Forex and Others Jun-18 Fees and Commissions 14

15 Quality growth through enhanced relationship Growth Expand transaction banking presence Promote a well balanced and diversified loan portfolio Strengthen subsidiaries businesses Deepen customer relationships Growth Quality Maintain and enhance the quality of: Loan portfolio Banking operations Products and services Efficiency Growth Automate, simplify operational and administration procedures Continue developing digital solutions Optimize existing human resources, infrastructure and logistics 15

16 Agenda Macroeconomic Environment Performance Overview Financial Review 16

17 Balance sheet summary (Rp billion) Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 YOY Change Total Assets 689, , , , , , % Secondary Reserves gross 80,862 77,625 95,651 63,617 98,441 91, % SBI & Other Placement in BI 74,180 67,659 87,536 54,011 89,045 83, % Placement with other Banks 6,682 9,966 8,115 9,606 9,396 8, % Loans 408, , , , , , % Government Bonds 68,592 64,890 65,042 70,621 49,968 53, % Marketable Securities 28,802 31,261 32,207 37,819 32,663 38, % Impairment on financial assets (13,860) (14,276) (14,535) (14,634) (14,634) (14,172) -0.7% Third Party Funds 535, , , , , , % Current Accounts 137, , , , , , % Savings 268, , , , , , % Time Deposits 129, , , , , , % Equity (Bank only) 115, , , , , , % Tier 1 111, , , , , , % Tier 2 4,530 4,859 4,910 5,234 5,249 5, % Exchange Rate Rp/USD 13,326 13,328 13,472 13,568 13,768 14, % * Including SBI categorized as securities sold under repurchase agreement 17 *

18 Income statement summary (Rp billion) 3Q-17 4Q-17 1Q-18 2Q-18 1H-17 1H-18 YOY Change Net Interest Income 10,600 10,886 10,781 11,002 20,372 21, % Non Interest Income 3,702 4,375 3,896 3,823 7,049 7, % Fees and commissions 2,632 2,821 2,670 2,847 4,935 5, % Gain on spot & derivative (realized) net (45) 557 (11) % Mark to market on financial assets net % Gain on sale of financial assets net % Others 623 1, ,224 1, % Operational Expenses (5,540) (6,405) (7,598) (6,750) (13,247) (14,348) 8.3% Personnel Expenses (2,110) (2,063) (4,376) (3,144) (6,864) (7,520) 9.6% Other Expenses (3,430) (4,342) (3,222) (3,606) (6,383) (6,828) 7.0% Profit before Provisions and Tax 8,762 8,856 7,079 8,075 14,174 15, % Provision (893) (804) (188) (638) (936) (826) -11.8% Pre-Tax Profit 7,869 8,052 6,891 7,437 13,238 14, % Income Tax (1,556) (1,582) (1,382) (1,524) (2,700) (2,906) 7.6% Net Profit 6,307 6,468 5,508 5,913 10,535 11, % 18

19 Financial ratios (Bank only, %) Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 ROA ROE NIM CAR LFR Cost Efficiency Ratio* Cost to Income Ratio (BOPO)** NPL Ratio - gross NPL Ratio - net Coverage ratio NOP Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 EPS year to date (Rp)*** Book Value/Share (Rp) 4,791 4,892 5,164 5,326 5,531 5,546 * Cost Efficiency Ratio = operational expenses to net interest income and non interest income ** Cost to Income Ratio (BOPO) = all expenses (operating expenses included interest expenses and provision for assets losses) to all revenues (operational income included interest income and reversal of provision for assets losses) *** Based on consolidated financial statement

20 Diversified earning assets composition Interest Income Contribution 100% 3.5% 3.4% 3.5% 3.6% 3.9% 4.1% 90% 80% 70% 60% 81.3% 81.6% 81.2% 81.0% 82.0% 82.8% 50% Earning Assets Composition (as of 30 June 2018) Loans & Consumer Financing 71.6% Secondary Reserves 13.0% Rp707,607 billion Government Bonds 7.5% Marketable Securities & Others 7.9% 40% 30% 20% Government Bonds and Loans Profile (as of 30 June 2018) Fixed Rate 26.6% 10% 0% 8.7% 8.6% 8.3% 8.4% 7.3% 6.8% 6.5% 6.4% 7.0% 7.0% 6.8% 6.3% Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Marketable Securities & Others Loans & Consumer Financing Government Bonds Secondary Reserves Variable Rate 73.4% 20

21 Breakdown of earning assets yield Jun-17 Dec-17 Jun-18 Bank Only Balance (Rp billion) Yield (%) Balance (Rp billion) Yield (%) Balance (Rp billion) Yield (%) Secondary Reserves 76, % 61, % 90,035 (+18.4% YoY) 4.14% Marketable Securities 30, % 36, % 36,998 (+21.7% YoY) Loans 433, % 467, % 494,420 (+14.0% YoY) Government Bonds 64, % 69, % 52,390 (-18.6% YoY) 5.40% 8.80% 6.83% 21

22 Balanced loan portfolio Loan Portfolio* (Bank only, Rp billion) Loans Breakdown (Bank only, Rp billion) Consumer Commercial & SME Corporate 433, , , , , % 26.4% 494, % Jun-17 Dec-17 Jun-18 YTD Change YoY Change Corporate 160, , , % 19.1% Commercial & SME* 151, , , % 15.1% Consumer* 120, , , % 6.0% Total Outstanding 433, , , % 14.0% 27.1% 35.6% 27.9% 28.1% 35.0% 35.2% 35.8% 35.4% 35.4% Total Facilities** 612, , , % 12.5% * BCA reclassified commercial property loan for business purpose from mortgage (consumer loans) to commercial & SME loans ** Including uncommitted facilities of Rp43.9tn in Jun-17, Rp48.3tn in Dec-17 and Rp54.6tn in Jun-18 Outstanding Loans by Currency (as of 30 June 2018) 37.3% 37.1% 36.7% 37.9% 38.2% 38.7% IDR 93.3% Forex 6.7% Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 22

23 Moderate consumer loan growth Consumer Loans (Bank only, Rp billion) Credit Cards Vehicles # Mortgage 120, , , , % 8.9% 9.4% 9.5% 31.5% 31.2% 31.2% 31.7% 123, , % 9.6% 32.4% 32.2% Consumer Loans (Bank only + vehicle loans booked by BCA Subsidiaries, Rp billion) Jun-17 Dec-17 Jun-18 YTD Change YoY Change Mortgage 71,662 73,026 74, % 4.0% Vehicles* 38,161 38,302 41, % 8.1% Credit Cards 11,133 11,528 12, % 10.8% Total 120, , , % 6.0% 58.8% 59.2% 59.9% 59.4% 58.1% 58.2% Vehicle loans booked by BCA Finance & 8,412 8,885 7, % -11.5% CS Finance** Grand Total 129, , , % 4.8% Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 * Including 2 wheeler financing of Rp3.1tn in Jun-17, Rp2.6tn in Dec-17 and Rp2.3tn in Jun-18 ** Including 2 wheeler financing of Rp2.0tn in Jun-17, Rp1.8tn in Dec-17 and Rp1.5tn in Jun-18 # For comparison purpose, the above mortgage data excluded the value of commercial property loan for business purpose 23

24 Diversified industry concentration Top Ten Industry Sectors in Corporate, Commercial and SME Sectors Jun-17 Dec-17 Jun Distributor, Wholesaler and Retailer 8.5% 9.0% 8.5% 2. Financial Services 4.1% 5.5% 7.1% 3. Plantation and Agriculture 7.8% 7.1% 7.0% 4. Building Material and Other Construction Related 6.8% 6.4% 6.5% 5. Automotive and Transportation 5.4% 5.7% 5.3% 6. Properties and Construction 5.2% 5.2% 5.2% 7. Food and Beverages 5.0% 4.7% 4.6% 8. Textile and Garment 4.5% 4.4% 4.2% 9. Chemicals and Plastics 5.2% 4.1% 4.2% 10. Transportation and Logistic 4.4% 4.0% 3.9% Total 56.9% 56.1% 56.5% 24

25 NPL maintained at a low level NPL by Loan Segments (bank only, %) NPL by Consumer Loans (bank only, %) Jun-17 Dec-17 Jun-18 Jun-17 Dec-17 Jun % 3.6% 3.0% 2.2% 1.0% 1.4% 1.0% 1.8% 1.9% 1.0% 1.0% 1.4% 1.0% 0.9% 1.5% 2.0% 1.9% 1.9% 0.7% 0.8% 0.6% Corporate Commercial & SME Consumer Mortgage 2 Wheeler 4 Wheeler Credit Card 25

26 268, , , , , , , , , , , , , , , , , ,366 Active management of third party funds Third Party Funds & Cost of Funds (Bank only, Rp billion) Interest Rate Adjustments* 2.05% 2.07% 2.09% 2.02% 1.75% 1.73% 14.0% % 8.0% 6.0% 4.0% 2.0% 1 Month Rupiah Time Deposits Savings Rupiah Current Accounts % Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun % Time Deposits Savings Accounts Current Accounts Cost of Funds * Maximum interest rate offered 26

27 Cost efficiency ratio Quarterly Operating Income & Expense (Rp billion) and YTD Cost Efficiency Ratio (%) 53.2% 52.8% 48.6% 45.0% 44.4% 48.3% 13,504 13,917 14,302 15,261 14,677 14,825 Operating Income Operating Expense YTD Cost Efficiency Ratio (Bank only) 6,988 6,259 5,540 6,405 7,598 6,750 1Q-17 2Q-17 3Q-17 4Q-17 1Q-18 2Q-18 Quarterly Breakdown of Operating Expenses (Rp billion) Personnel Expenses Other Expenses 4,034 2,954 3,429 3,430 2,830 2,110 2,063 4,342 4,376 3,222 3,144 3,606 1Q-17 2Q-17 3Q-17 4Q-17 1Q-18 2Q-18 27

28 Thank you

29 Appendix 29

30 Government bonds profile Government Bond Maturity (Bank only, Rp billion) Nominal Value as of 30 June ,870 15,016 11,781 Fixed Rate [Rp 52,003 billion (100.0%)] Variable Rate [Rp 0 billion (0.0%)] 3,620 1,722 1, Maturity (Rp bn) Total Trading ,125 1, ,956 Available for Sale 3,393 13,202 8,439 7, , ,704 Investment 219 1,387 8,475 3, ,343 Total 3,620 15,016 17,870 11,781 1,722 1, ,003 30

31 BCA maintains 8 subsidiaries in 6 business lines Business lines Subsidiaries Business overview Vehicle Financing Insurance Securities Sharia Banking Remittance Venture Capital (acquired: 2001) (established: 2010) (acquired: 2010) (established: 2013) (acquired: 2011) (acquired: 2009) (acquired: 1996) (established: 2017) One of the largest 4-wheeler financing companies in Indonesia Offering attractive products with competitive interest rates through a joint financing scheme with BCA Maintaining a quality loan portfolio through prudent lending policies and by focusing on financing popular car models Multi-finance company engaged in 2-wheeler financing through joint financing with BCA Enhancing the risk management infrastructure and pursuing prudent marketing strategies Expanding general insurance presence by offering insurance products to BCA s consumer finance customers Setting up a solid base for providing life insurance products to BCA s diversified customer base Building a solid securities business by focusing on wholesale underwriting and retail brokerage Leader in the fixed income underwriting market Offering Sharia banking products to a growing market Became a BUKU II category Sharia bank in 2015 Enhancing cross-border remittance business BCA s trade finance representative in Hong Kong A venture capital company that invests in and collaborates with fin-tech companies as well as support companies in the financial industry that will enhance the overall financial service ecosystem of BCA and its subsidiaries 31

32 BCA credit ratings Fitch Ratings Moody s Published on April 2018 Published on July 2018 Description Rating Description Rating Outlook Stable Outlook Stable Local long term rating AAA (idn) Bank Deposits Baa2 / P-2 Baseline Credit Assessment baa2 Issuer default long term rating BBB Adjusted Baseline Credit Assessment baa2 Issuer default short term rating F3 Counterparty Risk Assessment Baa1(cr) / P-2(cr) Support rating 3 Issuer Rating Baa2 32

33 BCA share performance BCA Shareholding Structure (as of 30 June 2018) BCA Share Performance vs IDX (28 December 2007 to 23 July 2018) BCA IDX Number of Shares Ownership Percentage 28,000 24,000 BCA IDX (RHS) 8,000 7,000 PT Dwimuria Investama Andalan * 13,545,990, % Anthoni Salim 434,079, % 20,000 16,000 12,000 8,000 6,000 5,000 4,000 3,000 2,000 4,000 1,000 Public ** 10,674,940, % Total 24,655,010, % Note: * Shareholder of PT Dwimuria Investama Andalan are Mr. Robert Budi Hartono and Mr. Bambang Hartono, therefore ultimate shareholder of BCA are Mr. Robert Budi Hartono and Mr. Bambang Hartono. ** In the composition of Shares held by the public, 2.49% of the shares are owned by parties affiliated with PT Dwimuria Investama Andalan. - - Jan-08 Jan-09 Feb-10 Mar-11 Mar-12 Apr-13 May-14 May-15 Jun-16 Jul-17 Jul-18 Relative Performance 635% BCA IDX 535% 435% 335% 235% 135% 35% -65% Jan-08 Jan-09 Feb-10 Mar-11 Mar-12 Apr-13 May-14 May-15 Jun-16 Jul-17 Jul-18 33

34 BCA winning awards Association Otherways Management & Consulting France Bisnis Indonesia FinanceAsia Frontier Consulting Group & Marketing Magazine Indonesia Central Securities Depository T.Q.M - Total Quality Management Aptitude Seal for High Quality Performance and Best Customer Satisfaction The Platinum Technology award for Quality and Best Trade Name Excellent Growth Bisnis Indonesia Award 2018 BCA for Category Commercial Private Bank FinanceAsia Country Awards for Achievement 2018 Best Asian Bank Best Bank in Indonesia Corporate Image Award 2018 BCA The Best in Building and Managing Corporate Image for National Bank category with Assets > Rp500 trillion 20 th Innovate for the Nation Investor Fund Account Administrator (RDN) Bank with The Largest Number of Clients Issuer with The Highest Value of Scriptless Securities Infobank Infobank & Marketing Research Indonesia Infobank & Marketing Research Indonesia Investor Magazine Investor Magazine & Berita Satu Media Holding Infobank Digital Brand Awards 2018 For Conventional Bank Category: 1 st rank Digital Brand: Debit Card, Time Deposits, KKB, Credit Card, E-Money, Wealth Management & Savings The Best Digital Brand : Debit Card, Time Deposits, KKB, Credit Card, Wealth Management & Savings Banking Service Excellence Awards 2018 For Category Commercial Bank Best Mobile Banking (1 st place) Best Digital Branch (1 st place) Best Chatbot (2 nd place) Best CRM (3 rd place) Best Overall Performanca (5 th place) Satisfaction Loyalty Engagement Awards 2018 Overall (1 st place) Engagement, Experience & Net Promotor Score(1 st place) (2 nd place) Satisfaction - overall (1 st place) Satisfaction for: Cust. Service, Teller, Satpam (3 rd place) Satisfaction for: ATM (3 rd place) Satisfaction for: Loyalty Investor Award 2018 BCA Top Performing Listed Companies 2018 for Market Capitalization > Rp10 trillion Investor Best Bank 2018 The Best Bank in Indonesia for Commercial Bank Category with Capital> Rp30 trillion 34

35 BCA winning awards Markplus.Inc Markplus.Inc Ministry of Finance Obsession Media Group Rintis Sejahtera (Prima) Indonesia WOW Brand Award 2018 Gold Champion Category Credit Card, Mobile Banking, Internet Banking, Electronic Money & ATM Silver Champion Category Saving Account Bronze Champion Category Mortgage BFG Club BCA Recognizes as a Brand for Good Club Member 2018 Taxpayer s Awards and Appreciation 2017 BCA For the Contribution in Tax Receipts in 2017 Women s Obsession Awards 2018 Lianawaty Suwono Best Achiever in Women Professionals BCA Best Achiever in Company BCA as The Best Ratio Performance in Category Cash Withdrawal Service Excellence Magazine & Care CCSL Serikat Perusahaan Pers (SPS) SWA Magazine, Brand Finance & WIR Global SWA Magazine & Lembaga Manajemen FE UI Telkomsel Contact Center Service Excellence Award 2018 Banking Category: Halo BCA Customer Service Centers, Twitter & Fb Priority Banking Category : Halo BCA Prioritas Halo BCA for call center category in services of: Regular banking, platinum credit card, regular credit card, personal loan, EDC, mortgage, Sharia banking, life & health insurance & automotive financing The 7 th SPS Indonesia Inhouse Magazine Awards (InMA) 2018 InfoBCA The Best of Private Company InfoBCA E Magazine The Best of E-Magazine Private Company Indonesia s Most Valueable Brands 2018 BCA Is ranked 4th In Most Valuable Indonesian Brands 2018 with a US$ million Brand Value & AAA Brand Rating HR Excellence Award 2018 is Awarded to BCA that has attained Rating A for Categories: Retention Strategy Learning & Development Strategy Recruitment Strategy Mitra Channel Award 2017 BCA 2 nd Best Performance Channel Banking 35

36 BCA winning awards TRAS n CO Indonesia, INFO BRAND & IMFocus Warta Ekonomi Magazine Warta Ekonomi Magazine Warta Ekonomi Magazine Digital Popular Brand Award 2018 Is Awarded to BCA for Catergories: Kartu Kredit, Kartu Repaid, Internet Banking, Mobile Banking, Leasing Mobil, Call Center & Deposito in Recognition of Building a Popular Brand Based On Search Engine, Social Media and Website Based Indonesia Most Admired Company Award 2018 BCA - Top 5 Indonesia Most Admired Companies 2018 in Bank Category Indonesia 3 rd Digital Innovation Award for Banking 2018 BCA Innovative Company in Digital Transaction and Customer Services for Category: National Private Foreign- Exchange Commercial Bank Top 100 Enterprises 2018 BCA Best in Financial Industry 36