Bank Central Asia Tbk PT
IDX:BBCA
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Intrinsic Value
The intrinsic value of one BBCA stock under the Base Case scenario is 7 746.23 IDR. Compared to the current market price of 10 150 IDR, Bank Central Asia Tbk PT is Overvalued by 24%.
The Intrinsic Value is calculated as the average of DCF and Relative values:
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Bank Central Asia Tbk PT
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Fundamental Analysis
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Bank Central Asia Tbk PT (BCA) has firmly established itself as one of Indonesia's leading financial institutions, with a storied history that dates back to 1957. As a publicly listed company on the Indonesia Stock Exchange, BCA has built a strong reputation for its customer-centric approach and innovative banking solutions. Over the years, the bank has expanded its footprint, leveraging advanced technology to improve its services and enhance operational efficiency. This commitment to modernization has attracted a broad customer base, ranging from individual consumers to large corporations. Investors are drawn to BCA not only for its robust financial performance, characterized by consistent...
Bank Central Asia Tbk PT (BCA) has firmly established itself as one of Indonesia's leading financial institutions, with a storied history that dates back to 1957. As a publicly listed company on the Indonesia Stock Exchange, BCA has built a strong reputation for its customer-centric approach and innovative banking solutions. Over the years, the bank has expanded its footprint, leveraging advanced technology to improve its services and enhance operational efficiency. This commitment to modernization has attracted a broad customer base, ranging from individual consumers to large corporations. Investors are drawn to BCA not only for its robust financial performance, characterized by consistent profitability and sound risk management, but also for its strategic position in Indonesia's rapidly growing economy.
The bank’s diverse portfolio encompasses retail banking, corporate banking, and financial markets, enabling it to navigate various economic landscapes effectively. BCA’s emphasis on digital banking and fintech initiatives has set it apart from competitors, allowing for significant market penetration and customer engagement. Moreover, with Indonesia being one of the largest and fastest-growing economies in Southeast Asia, BCA stands at the confluence of rising consumer demand and a burgeoning middle class, presenting promising growth prospects. For investors, BCA offers a compelling opportunity to tap into Indonesia's economic potential while benefiting from a well-managed, resilient institution with a solid track record of delivering shareholder value.
Bank Central Asia Tbk PT (BCA) is one of Indonesia's largest private banks, offering a variety of financial services. Its core business segments can be broadly categorized as follows:
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Retail Banking:
- This segment serves individual customers with a range of products, including savings accounts, personal loans, mortgages, and credit cards. BCA focuses on providing high-quality customer service and innovative banking solutions to attract and retain retail customers.
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Corporate Banking:
- BCA provides a variety of financial services to corporate clients, including credit facilities, cash management services, trade finance, and treasury solutions. This segment is crucial for supporting the banking needs of large businesses and institutions.
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Commercial Banking:
- This segment targets small and medium-sized enterprises (SMEs) and offers products tailored to their specific financial needs, such as business loans, working capital financing, and payment solutions. BCA recognizes the importance of SMEs in Indonesia's economy and aims to support their growth.
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Treasury and Financial Markets:
- BCA’s treasury segment focuses on managing liquidity, foreign exchange, and investment activities. It also involves managing the bank's balance sheet and provides hedging solutions to clients against currency and interest rate risks.
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Digital Banking:
- With the increasing shift towards digital transactions, BCA has invested heavily in digital banking services. This includes mobile banking applications, online banking platforms, and payment gateways, aiming to enhance customer experience and streamline banking processes.
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Investment and Asset Management:
- BCA offers investment products and services, including mutual funds and private banking services for wealth management. This segment caters to customers looking for investment opportunities and financial planning.
Understanding these core segments helps in analyzing BCA's operational strategy, market position, and growth potential within the Indonesian banking sector. The bank's focus on customer service, digital transformation, and diversified product offerings positions it well in a competitive landscape.
Bank Central Asia Tbk PT (BCA) has several unique competitive advantages that set it apart from its rivals in the Indonesian banking sector. Here are some key factors:
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Strong Brand Reputation: BCA is one of the most recognized banking brands in Indonesia. Its reputation for reliability and service quality has fostered customer loyalty.
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Extensive Distribution Network: BCA has a broad network of branches and ATMs across Indonesia, ensuring accessibility for retail and corporate customers. This extensive footprint allows for better service and customer engagement.
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Innovative Digital Banking Solutions: BCA has invested significantly in technology and digital banking. Its mobile banking app is highly rated for user experience, offering features that cater to both individual and business customers. This positions BCA as a leader in digital banking, appealing to tech-savvy consumers.
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Diversified Financial Products: BCA offers a wide range of financial services, including savings accounts, loans, credit cards, and investment products. This diversification allows BCA to meet various customer needs, thereby increasing customer retention.
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Strong Capital Base: BCA maintains a healthy capital adequacy ratio (CAR), providing a buffer against financial volatility and enabling more significant lending capabilities. This strength ensures its stability during economic downturns.
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Focus on Risk Management: The bank has a robust risk management framework, which helps mitigate credit and operational risks. Strong governance and compliance practices further enhance its operational resilience.
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Customer-Centric Approach: BCA emphasizes customer service, aiming to provide personalized solutions. The bank’s commitment to understanding and addressing the specific needs of its customers has enhanced its competitive standing.
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Market Leadership in Retail Banking: BCA is a leader in the retail banking segment, particularly in providing services to small and medium enterprises (SMEs). This strong presence allows BCA to leverage network effects and improves its market position.
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Efficient Cost Structure: BCA operates with a highly efficient cost structure, enabling it to maintain profitability even in competitive environments. This efficiency grants it the flexibility to offer competitive interest rates and fees.
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Strategic Partnerships: BCA has formed strategic partnerships with fintech companies and other businesses, enhancing its service offerings and expanding its customer base.
By leveraging these advantages, BCA is well-positioned to continue thriving in the competitive landscape of the Indonesian banking sector.
Bank Central Asia Tbk PT (BCA) is one of Indonesia's largest private banks, and like any financial institution, it faces various risks and challenges. Here are some potential risks and challenges that BCA may encounter in the near future:
1. Regulatory Risk
- Policy Changes: Regulatory changes from the Indonesian Financial Services Authority (OJK) or other governmental bodies can impact operational procedures, capital requirements, and lending practices.
- Compliance Costs: Increased compliance requirements may lead to higher operational costs.
2. Economic Conditions
- Economic Volatility: Economic fluctuations, such as changes in GDP growth rates, inflation, or employment levels, can impact consumer spending and loan defaults.
- Interest Rate Changes: Movements in interest rates set by Bank Indonesia can affect margins on loans and deposits.
3. Competitive Landscape
- Fintech Disruption: The rise of fintech companies offering alternative banking solutions may curtail BCA's market share, particularly among tech-savvy younger customers.
- Pricing Pressure: Intense competition in the banking sector can lead to pricing pressures on loan products and savings accounts.
4. Credit Risk
- Loan Defaults: Economic downturns or sector-specific weaknesses (e.g., real estate, agriculture) can increase the rate of non-performing loans (NPLs).
- Sector Exposure: High exposure to any single sector could lead to significant losses if that sector underperforms.
5. Operational Risk
- Cybersecurity Threats: With increasing digital banking services, the risk of cyberattacks and data breaches is heightened.
- Operational Failures: Risks related to internal processes, technology failures, or human errors can impact service delivery.
6. Market Risk
- Foreign Exchange Fluctuations: For banks engaged in international transactions, volatility in foreign exchange rates can impact profitability.
- Asset Price Fluctuations: Changes in the value of investments, including government bonds and equities, can affect the bank’s portfolio performance.
7. Reputation Risk
- Public Perception: Negative media coverage, customer complaints, or scandals can harm BCA’s reputation and affect customer trust.
- Social Responsibility: Increasing awareness and activism regarding corporate social responsibility can pressure BCA to enhance its contributions to community and sustainability.
8. Technological Advancements
- Digital Transformation: The need to continually invest in technology to enhance customer experience can strain resources and require strategic realignment.
- Legacy Systems: Issues related to outdated technology can hinder operational efficiency and competitiveness.
9. Pandemic and Health Risks
- Resilience Against Future Crises: The COVID-19 pandemic highlighted vulnerabilities in business models; future health crises can impact operations, customer behavior, and loan repayments.
These risks require proactive management and strategic planning to mitigate potential impacts and leverage opportunities as the banking landscape evolves. BCA's ability to navigate these challenges while adapting to changing market conditions will be crucial for its continued success.
Balance Sheet Decomposition
Bank Central Asia Tbk PT
Net Loans | 815.3T |
Investments | 463T |
PP&E | 26.5T |
Intangibles | 1.5T |
Other Assets | 119.2T |
Total Deposits | 1 133.2T |
Long Term Debt | 915.3B |
Other Liabilities | 50.7T |
Wall St
Price Targets
BBCA Price Targets Summary
Bank Central Asia Tbk PT
According to Wall Street analysts, the average 1-year price target for BBCA is 11 874.66 IDR with a low forecast of 9 797 IDR and a high forecast of 13 860 IDR.
Dividends
Current shareholder yield for BBCA is .
Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?
Profile
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Description
PT Bank Central Asia Tbk provides commercial banking and other financial services. The company is headquartered in Jakarta, Dki Jakarta and currently employs 25,066 full-time employees. The company went IPO on 2000-05-31. The company operates its bank under the name Bank BCA (BCA). BCA focuses on the transaction banking business and provides credit facilities and financial solutions for the corporate, commercial, small-medium enterprise (SME) and consumer segments. The firm through its subsidiaries provides vehicle financing, Sharia banking, securities, general and life insurance, digital banking, remittances, and venture capitalists. The firm's subsidiaries include PT BCA Finance, BCA Finance Limited, PT Bank BCA Syariah, PT BCA Sekuritas, PT Asuransi Umum BCA, PT BCA Multi Finance, PT Asuransi Jiwa BCA, PT Central Capital Ventura, and PT Bank Digital BCA.
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The intrinsic value of one BBCA stock under the Base Case scenario is 7 746.23 IDR.
Compared to the current market price of 10 150 IDR, Bank Central Asia Tbk PT is Overvalued by 24%.