Balance sheet summary

Jun-13

Sep-13

Dec-13

Mar-14

Jun-14

Sep-14

YOY
Change

458,024

487,134

496,305

502,188

522,714

537,210

10.3%

56,144

62,026

56,755

57,904

67,673

74,347

19.9%

SBI & Other Placement in BI

51,667

57,790

52,985

54,100

61,605

70,080

21.3%

Placement with other Banks

4,477

4,236

3,770

3,804

6,068

4,267

0.7%

280,402

298,955

312,290

317,191

321,284

330,677

10.6%

Government Bonds

34,891

35,981

34,345

32,166

32,398

33,561

-6.7%

Marketable Securities

12,838

11,573

15,030

15,676

16,257

14,786

27.8%

Impairment on financial assets

(5,419)

(6,084)

(6,548)

(6,769)

(7,025)

(7,567)

24.4%

208,945

218,343

219,738

217,426

219,547

222,928

2.1%

Current Accounts

97,053

103,810

103,157

98,615

105,694

106,312

2.4%

Time Deposits

72,466

78,201

86,591

90,758

95,949

102,744

31.4%

Tier 1

50,108

51,939

52,881

61,523

61,766

63,708

22.7%

Tier 2

3,118

3,289

3,330

3,358

3,471

3,368

2.4%

9,925

11,580

12,170

11,360

11,855

12,185

5.2%

(Rp billion)
Total Assets
Secondary Reserves Gross

Loans

Third Party Funds

Savings

Equity (Bank only)

Exchange Rate Rp/USD

Income statement summary

YOY
Change

(Rp billion)

4Q-13

1Q-14

2Q-14

3Q-14

9M-13

9M-14

Net Interest Income

7,335

7,629

7,798

8,153

19,104

23,580 1)

23.4%

Non Interest Income

1,912

2,120

2,096

2,295

5,376

6,511

21.1%

1,695

1,657

1,832

1,814

4,615

5,303

14.9%

(71)

154

67

143

546

364

-33.3%

Mark to market on financial assets net

45

104

(68)

65

(119)

101

N.A

Gain on sale of financial assets net

56

26

44

36

50

106

112.0%

187

179

221

237

284

637 2)

124.3%

Operational Expenses

(3,953)

(4,693)

(4,387)

(4,202)

(10,679)

(13,282) 3)

24.4%

Personnel Expenses

(1,376)

(2,720)

(2,120)

(1,650)

(5,272)

(6,490)

23.1%

Other Expenses

(2,577)

(1,973)

(2,267)

(2,552)

(5,407)

(6,792)

25.6%

5,294

5,056

5,507

6,246

13,801

16,809

21.8%

140

(85)

226

(52)

597

89

-85.1%

Profit before Provisions and Tax

5,434

4,971

5,733

6,194

14,398

16,898

17.4%

Provision

(562)

(342)

(444)

(722)

(1,454)

(1,508)

3.7%

Pre-Tax Profit

4,872

4,629

5,289

5,472

12,944

15,390

18.9%

Income Tax

(979)

(958)

(1,098)

(1,122)

(2,581)

(3,178)

23.1%

Net Profit

3,894

3,665

4,187

4,343

10,360

12,195

17.7%

Fees and commissions

Gain on spot & derivative (realized) net

Others

Income from Operation before Provision

Non Operating Income - Net

Note: BCA registered 100% effective ownership in BCA Insurance since September 2013 and a 70% effective ownership in CS Finance since January 2014. The recent consolidation of both
companies contributed to BCAs 9M14 income statement with the following details :
1) Net Interest Income of Rp598 billion, primarily from CS Finance
2) Includes Income of Rp270 billion from BCA Insurance
3) Operational Expenses of Rp661 billion from CS Finance and BCA Insurance.
Excluding expenses from those two subsidiaries, BCAs operating expenses increased 18.4% YoY to Rp12.6 trillion in 9M14

Financial ratios
(Bank only, %)

Jun-13

Sep-13

Dec-13

Mar-14

Jun-14

Sep-14

ROA

3.4

3.7

3.8

3.5

3.8

3.9

ROE

24.6

26.6

28.2

22.3

24.6

25.4

NIM

6.0

6.0

6.2

6.5

6.5

6.5

CAR (credit and market risk)

18.5

18.2

17.9

20.6

19.8

20.0

CAR (credit, market and operational risk)

16.0

15.8

15.7

17.7

17.0

17.2

LDR

73.2

73.9

75.4

77.1

75.5

75.9

Cost Efficiency Ratio*

46.6

44.3

42.9

49.5

46.0

43.8

Cost to Income Ratio (BOPO)**

63.0

62.8

61.5

67.0

64.4

63.1

NPL Ratio - gross

0.4

0.5

0.4

0.5

0.5

0.7

NPL Ratio - net

0.2

0.2

0.2

0.2

0.2

0.3

384.5

378.4

408.7

388.0

368.1

292.5

0.7

1.1

0.2

0.5

0.4

0.7

Jun-13

Sep-13

Dec-13

Mar-14

Jun-14

Sep-14

257

421

579

149

318

495

2,338

2,483

2,592

2,751

2,847

3,024

Provision/NPL
NOP

EPS year to date (Rp)***

Book Value/Share (Rp)

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
*

**