We are aware of the principle of prudence and continue to maintain a sufficient capital and liquidity position for the development of a long-term loan portfolio. Diversity in the composition of the members of the board of directors and the board of directors 407 Performance evaluation of the board of directors.
10.4% YoY
Mobile & Internet
Banking
Proven Digital Capabilities
Strong Customer Acquisition
Online Channels Hit a New Record High
Sustained CASA franchise
Highlights 2022
Economic Aspect
Green Financing Micro Small and Medium Enterprises (MSMEs)
KUR Disbursement
Trillion
Women MSMEs 35,790 women debtors
Trillion 44.2 %
Rp 102.3 Trillion 55.8 %
8 Green Financing
Sectors
Total Managed Waste Equivalent to preserving
BCA ATM Cartridge Waste Processing
Non Organic Waste Management
Used Uniform Recycling 6
Card Waste Management 3
Archival Waste Management
Walk for Tree
Estimated Total Reduction of Carbon Emissions in 2022
Social Aspect
Sustainability Governance Aspect
66.9% YoY
Financial Highlights
Total Assets
Third Party Funds
Total Equity
CASA
Net Income
Net Interest Margin (NIM)
Cost to Income (CIR)
Cost of Credit (CoC)
Return on Equity (ROE)
Loan at Risk (LAR) *
Return on Assets (ROA) *
Parent company only; financial ratios are presented in accordance with Financial Services Authority Circular Letter No. 9/SEOJK.03/2020 of 30 June 2020 regarding transparency and publication of conventional commercial bank reports. Presented with the calculation of profits from trading and foreign exchange transactions as operating income; and losses from trade and currency transactions as operating costs, in accordance with SE OJK No.9/SEOJK.03/2020.
Stock and Bond Highlights
Bonds Highlights
Report
Report of the Board of Directors
Jahja Setiaatmadja President Director
Respected stakeholders,
Throughout 2022, we saw rising business opportunities from many
The pandemic itself also supported educating customers about the transition to a more digital lifestyle. While digital innovation has had a significant impact on the customer experience, we continue to witness a continued customer desire for offline engagement.
2022 Strategic Priorities and Initiatives
The increase in popularity in digital channels is reflected in the number of transactions, which reached 99.5% of the total transactions, while the branch network continues to serve with significant transaction value, contributing 35.8% to the total transaction value. The dynamics of a stable domestic benchmark rate during the first half of the year changed as BI raised rates in the second semester as inflation started to rise domestically, along with rising interest rates globally.
Board of Directors
Consumer loans grew hand in hand with other segments, by 12.6% year-on-year and reached Rp. 159.4 trillion by the end of the year. Due to the even distribution of business momentum throughout the year, the average annual volume of credits increased by 11.5% compared to last year.
Environmental, Social, and Governance (ESG)
In the field of nature conservation, BCA supported the planting of no fewer than 19.6 thousand trees at 20 locations throughout the year. Domestically, BCA has been included in the SRI-KEHATI Index of the Indonesian Stock Exchange in collaboration with the SRI KEHATI Foundation.
Role of the Board of Directors in Formulating Strategies and Policies
In recent years, IT governance has become an increasingly important element due to the rapid increase in the use of digital channels. The unit is specifically charged with maintaining information security and handling incidents related to cybercrime.
Processes Applied by the Board of Directors to Ensure Strategy Implementation
We maintain high standards for IT operations and have obtained ISO/IEC NIS related to the service management system of data center network, and IOS/IEC related to the provision of information security management system in data center operational services. BCA remained a constituent of the Financial Times Stock Exchange4Good (FTSE4Good) Emerging Index, reflecting its positive performance in financial, environmental and social aspects.
Performance of the Committees under the Board of Directors
Changes to the Composition of the Board of Directors
2022 Opportunities, Challenges and Achievement of Targets
Business Prospects
BCA and its affiliates vigilantly observe the needs of our clients to provide the best solutions in deepening engagement. Cooperation with subsidiaries and business partners remains a key strategic step and will bring the best services we can offer to the Bank's customers.
Appreciation
Djohan Emir Setijoso President Commissioner
Supervisory Report of
The Board of Commissioners
Dear Respected Shareholders,
Economic and Banking Overview
BCA delivered a solid performance amidst global economic turmoil and
Board of Commissioners
Indonesia, as one of the world's largest commodity producers, has benefited from the rise in energy prices, as reflected in its strong trade balance surplus. Bank Indonesia introduced various monetary policies, increased its benchmark rate (BI 7-day reverse repo rate) and held open market operations to protect the stability of the Rupiah against the US dollar.
Assessment of the Performance of the Board of Directors and the Basis for the Assessment
The Indonesian banking industry has secured a strong foothold, with a Capital Adequacy Ratio of 25.7% and a solid Liquid Assets to Third Party Funds (AL/DPK) ratio of 31.2%. Assessment of the performance of the board and the basis for the assessment.
Oversight of Strategy Formulation and Implementation
The Board of Commissioners appreciates the management's efforts to retrain and improve the skills of the Bank's workforce to continue to provide customers with the best service and solutions. We trust the Board of Directors to remain vigilant in the implementation of the Bank's business plan.
Observation on the Implementation of Corporate Governance
The Supervisory Board has noted that the Bank has taken into account the potential impact of global macroeconomic challenges on the Bank's business plan and its financial targets for 2023. We agree with the Board of Directors' position that the expansion of digital services, supported by a A stable and reliable IT infrastructure is essential for the Bank to achieve higher business goals.
Observation and Role of the Board of
BCA has implemented all GCG principles, namely transparency, accountability, responsibility, independence, fairness and equity, in all aspects of the company and its relations with shareholders and stakeholders. Very good.” BCA is included in the “ASEAN Asset Class” category based on the results of an assessment conducted by the national rating agency using the ASEAN Corporate Governance Scorecard (ACGS) assessment parameters.
Commissioners in the Whistleblowing System BCA’s whistleblowing system caters to internal and
This is achieved, among other things, by (i) providing timely, sufficient, clear and accurate information; (ii) establishing policies, procedures, duties and responsibilities for each BCA organ; (iii) compliance with laws and regulations; and (iv) pay fair and equitable attention to the interests of shareholders and stakeholders in accordance with the benefits and contributions made to BCA.
Sustainable Finance
Assessment of Committees under the Board of Commissioners
The Remuneration and Appointments Committee makes recommendations to the Supervisory Board about the remuneration policy at BCA as a whole, and provides input on identifying the potential of employees. The Integrated Governance Committee supports the Supervisory Board in supervising internal control, compliance, risk management and governance at BCA and its subsidiaries in an integrated framework.
Changes in the Composition of the Board of Commissioners
The Risk Oversight Committee helps ensure that risk management at BCA is properly implemented to protect the Bank from the negative impacts of risks. In 2022, the Risk Oversight Committee held 8 meetings related to the review of market risk and liquidity risk for the increase in inflation and interest rates; the readiness of the Bank's Human Resources to cope with the digital transformation; and the potential for improving credit quality, among others.
Profile
Company General Information
Drafts, including drafts accepted by a bank with a period of validity no longer than the period generally applicable in normal practice for the trading of these instruments; That's why BCA is constantly attuned to changing trends in digital technology, customer behavior and business.
INNOVATION FOR THE CONVENIENCE & SIMPLICITY OF CUSTOMERS’ TRANSACTION
In order to achieve sustainable growth in the future and provide added value to BCA's stakeholders, various initiatives have been implemented to create new opportunities in the midst of this changing landscape.
OneKlik
Application Programming
Online Account
Withdrawal / Deposit
Debit Online Mastercard
Virtual Assistant
Chat Banking (VIRA) Welma
Sakuku
Halo BCA Mobile Application
INNOVATION FOR SUCCESSING CUSTOMERS’ BUSINESS
Virtual Account BCA BCA Cash
Management Services
BCA Merchant Application
Milestones
The bank's cash management services for institutional customers were enriched on internet banking platforms, the integrated business solution KlikBCA. The bank continued the implementation of the Future Branch business model and a new improved service model to better meet the changing needs of customers.
Event Highlights 2022
2 FEBRUARY
16 FEBRUARY
17 JANUARY
24 JANUARY
20 JANUARY
BCA in collaboration with Jakarta Fashion Hub presents the Bangga Lokal: Fashioning The Future 2022 program. From the 116 local fashion brands that joined the program, BCA Expoversary 2022 recorded more than Rp. 12 trillion in transactions.
15 MARCH
In celebration of its 65th anniversary, PT Bank Central Asia Tbk organized BCA Expoversary 2022 offline from March 10 to 13 and online from February 24 to March 27.
25 MARCH
24 FEBRUARY 24 FEBRUARY
17 MARCH
12 MARCH
To realize the target of 30 million in support for the BBI 2022 movement in Bangka Belitung, BCA continues to help market Indonesia's products, especially from Bangka Belitung through 25% cashback for every transaction using QRIS BCA mobile, myBCA and Sakuku . BCA supports the development of the renewable energy sector and presents a charging station for public electric cars (SPKLU).
28 APRIL
BCA konsisten mendukung UMKM dan mengikuti Gerakan Nasional Bangga Produk Indonesia (Bangga Buatan Indonesia) di Bangka Belitung.
21 APRIL
12 MAY
27 MAY
In the income statement, BCA and its subsidiaries recorded a net profit of Rp 18.0 trillion in the first half of 2022, a year-on-year growth of 24.9%. Achieving another great achievement, BCA receives 60 awards at Global Contact Center World Awards Asia Pacific BCA's commitment to continuously deliver service innovation through BCA's Halo Contact Center has paid off as BCA has received 60 awards at the Global Contact Center World Awards (GCCWA ), an annual competition that brings together the best contact center performers from countries around the world.
16 AUGUST
PT Bank Central Asia Tbk (IDX: BBCA) and its subsidiaries recorded total loan growth of 13.8% y/y in June 2022, supported by increasing business activities as mobility restrictions ease. Loans in June saw the highest quarterly credit growth, an increase of Rp 38.2 trillion. from the previous quarter.
1 SEPTEMBER
Fraud using the BCA name has increased through phone calls, WhatsApp and social media offering upgrade programs to become BCA Solitaire and Priority customers and offers to apply for BCA credit cards or replace chip cards. BCA took home 41 Gold, 13 Silver and 6 Bronze medals including several prestigious categories such as Best Mega Contact Center, Best Crisis Management Campaign, Best Customer Service, Best Contact Center Design and Best Technology Innovation.
5 SEPTEMBER
Reaching Rp 5.4 trillion, BCA records the largest sale of retail government securities in the primary market BCA achieved a record sale of retail government securities of the SR017 series of Rp 5.4 trillion in the primary market from August 19 to September 14, 2022. Wisma BCA Foresta Wins Energy Efficient Building Award Representing Indonesia in ASEAN Energy Award 2023 Wisma BCA Foresta, which uses the green building concept, has been selected as the first winner in the energy efficient building category in the new building sub-category of the Subroto Energy Efficiency Award 2022, which awarded BCA will become a company in the banking sector to represent Indonesia at the ASEAN Energy Award 2023.
5 OCTOBER
BCA also works with more than 100 developers with more than 300 projects, more than 140 real estate agent offices with more than 650 real estate listings. One of the supporting factors of the SR017 series was the Wealth Summit BCA 2022 event, which recorded more than 65% of SR017 orders made by BCA customers via WELMA.
12 OCTOBER
BCA again held BCA Expo Hybrid 2022 on 9-11 September 2022 as a form of BCA's consistent support for the government's efforts in national economic recovery. Bank DKI cooperates with BCA to provide cardless cash deposit and withdrawal services at the nearest BCA ATM network, as one of the efforts to continue to provide the best service.
19 OCTOBER 14 OCTOBER
BCA and its subsidiaries posted a net profit of Rp29.0 trillion in the first nine months of 2022, up 24.8% year-on-year. BCA together with BPD Bali presents PBB-P2 and other local tax payment solutions (PHR) as part of the TP2DD (Regional Digitalisation Acceleration and Expansion Team) action plan to meet the needs and provide convenience to the public to make tax payments in the area from Bali via BCA e-channels such as BCA ATMs, m-BCA, Klik BCA Bisnis and Klik BCA Individual.
23 NOVEMBER
PT Bank Central Asia Tbk (IDX: BBCA) and its affiliates maintained their upward performance trend in the first nine months of 2022, recording a 12.6% year-on-year increase in total loans in September 2022. BCA Collaboration - Bank BPD Bali Presents PBB- P2 and Other Local Taxes (PHR) Payment Solution.
13 NOVEMBER
BCA distributes interim cash dividend of Rp35 per share, up 40% year-on-year. Based on the power and authorization granted by the company's 2022 Annual AVA, and with the approval of the Board of Commissioners, the Board of Directors will declare an interim cash dividend of Rp35 (thirty five rupiah) per share for the financial year 2022, resulting in a total interim cash dividend of Rp four trillion three hundred fourteen billion six hundred twenty six million seven hundred fifty thousand rupiah), an increase of 40% compared to the interim dividend for the financial year 2021.
28 NOVEMBER
16 DECEMBER
To be the bank of choice and a major pillar of the
To build centers of excellence in payment settlements and financial solutions for
To understand diverse customer needs and provide the right financial services to
To enhance our corporate franchise and stakeholders value
Corporate Culture
CORE VALUES
Customer Focus
Integrity
Continuous Pursuit of
Teamwork4
Products and Services
Dana Obligasi Batavia Ultima BNP Paribas Prima ll Kelas RK1 Danareksa Gebyar Indonesia Il Eastspring Pengungkapan Investasi Kelas A. Ashmore Dana USD Nusantara BNP Paribas Prima Kelas USD RK1 Schroder USD Reksa Dana Obligasi.
Organization Structure
GENERAL MEETING OF SHAREHOLDERS
BOARD OF DIRECTORS
Supervise the internal audit/. risk management/ . compliance function of subsidiaries in connection with integrated corporate governance.. amp; integrated risk management application. . ^) The Director of Compliance & Risk Management monitors the risks of subsidiaries as part of integrated risk management. . ^^) The Director of Corporate Banking appoints which corporate business group reports to the EVP.
BOARD OF COMMISSIONERS
Jahja Setiaatmadja
DUTIES AND RESPONSIBILITIES
CAREER
AFFILIATIONS
CONCURRENT POSITIONS
Board of Directors Profile
Armand Wahyudi Hartono
Gregory Hendra Lembong
Subur Tan
Rudy Susanto
Lianawaty Suwono
Santoso
Vera Eve Lim
Haryanto Tiara Budiman
Frengky Chandra Kusuma
John Kosasih
Antonius Widodo Mulyono
Djohan Emir Setijoso
EDUCATIONAL BACKGROUND
Board of Commissioners Profile
Tonny Kusnadi
Cyrillus Harinowo
Raden Pardede
Sumantri Slamet
Sumantri Slamet has been Chairman of the Audit Committee of BCA since April 22, 2021 based on Decree No. 073/SK/DIR/2021 of the Board of Directors. Appointed member of the Audit Committee of BCA on April 22, 2021 based on Decree No. 073/SK/DIR/2021 of the Board of Directors.
EDUCATION, CERTIFICATION, AND TRAINING IN 2022
She then joined the Finance and Corporate Planning Division as Senior Advisor for Cost Effectiveness Evaluation and then as Head of Subsidiary Monitoring.
Fanny Sagitadewi
Rallyati A. Wibowo
Cyrillus Harinowo will chair the BCA Risk Monitoring Committee from April 29, 2021, based on Decree No. 079/SK/DIR/2021 of the Board of Directors. At the same time also serves as an independent commissioner and chairman of the Integrated Governance Committee of BCA.
Endang Swasthika Wibowo
Subianto Rustandi
Committee Profile
Rudi Lim
Cyrillus Harinowo has been Chairman of the Integrated Governance Committee of BCA since May 6, 2021 based on Decree No. of the Board of Directors. At the same time, he is also an independent commissioner and chairman of BCA's Risk Oversight Committee.
Prabowo
Sulistiyowati
Gustiono Kustianto
Pudjianto
Mendari Handaya
Ratna Yanti
Sutedjo Prihatono
Hendra Iskandar Lubis
Irianto Sutanto
Sri Indrajanti Dewi
Raymon Yonarto
EDUCATION, CERTIFICATION, AND TRAINING IN 2022
Senior Officers
SUSANWATI* Head of Group Experience Design - Consumer & Wholesale Banking JUSTINA SUSILONINGSIH* Head of Group Experience Design - Branch & Shared Service. ANDRY SANTOSO* Head of Group Experience Design - Loan Management and Credit Process I MADE SUCITA* Head of Group Application & User Acceptance Test.
Number of Employees and Competence Development
Number of Employees
Competence Development
Training and/or Education for the Board of Commissioners, Board of Directors,
Shareholder Composition
BCA Ultimate Shareholder
Details of 20 Largest Shareholders
Details of Shareholders with More than 5% Share Ownership
Public Shareholders with Less than 5% Share Ownership
Share Ownership Percentage of Commissioners and Directors
Record of BCA Share and Other Securities Listing
Record of Other Securities Listing
Record of BCA Share Listing at the Indonesia Stock Exchange
Pembiayaan Rekening Giro - iB Syariah, Bank Garansi, Pembiayaan Umroh iB, Modal Kerja BCA Syariah iB, Kredit Investasi BCA Syariah iB, KPR iB, Anjak Piutang BCA Syariah iB, Auto Financing iB, Emas iB. Asuransi Rumah Sakit Reimbursable 100%, Bima Proteksi Kesehatanku, BCA Life Optima Critical Protection, BCA Life Purna Medis Optima.
Subsidiaries Ownership
Car finance and multipurpose finance PT BCA Finance was established in 1981 and currently offers car finance, especially 4-wheelers. Car finance and multi-purpose finance PT BCA Multi Finance (formerly known as PT Central Santosa Finance/CSF) was established in 2010 and deals in motorcycle, car and multi-purpose finance.
Information on Subsidiaries
General Insurance PT Asuransi Umum BCA (formerly PT Central Sejahtera . Insurance) was founded in 1988 as an insurance company engaged specifically in general or casualty insurance activities. BCA through PT BCA Finance had a 25% share ownership in 2010 and increased its direct and indirect ownership to 100% in 2013.
Capital Market Supporting Institution
Law Firm ConsultantNotary
TrusteePublic Accounting
Share Registrar
30 Investor Award: Investor Magazine Best Bank 2022 Best Bank 2022, KBMI 4 Conventional Bank Category 29 Jun Bisnis Indonesia Social Responsibility. Award (BISRA) 2022 Bisnis Indonesia Gold Champion National Private Company (listed) 30 Excellence in Banking Services Infobank. BSE) 2022 Infobank Magazine 3rd Place - General Contact Center Asia Executive Award 2022 Institutional Investor #1 Best Investor Relation Program (Sellside) July 14 Indonesia PR of 2022 MIX Marketing Magazine Category: Corporate Communications Group.
AWARDS
Indonesia Best CEO of the Year (Mr. Jahja Setiaatmadja) December 15 TOP Digital Awards 2022 Majalah IT Works Top Leader in Digital Implementation 2022. Best Digital Only Bank in Indonesia The Asian Banker The Asian Banker Indonesia Awards 2022 Most Use Best of Digital Media – Bronze.
Branches
BCA has a website https://www.bca.co.id through which the public can access comprehensive information about the company. Information on banking products, services and solutions to meet business needs (https://www.bca. . co.id/id/bisnis).
Discussion and Analysis
Contents
In 2022, convenience transactions through various digital channels supported a 10.4% increase in CASA funds reaching Rp 844.3 trillion, accounting for 81.9% of total third-party funds. The bank collaborates with strategic partners and continues to invest in various innovative digital investments to expand the business ecosystem.
Corporate Banking
Total transaction volume recorded an all-time high, rising 36.0% year-on-year to 22.3 billion transactions, with mobile and internet banking accounting for 89.9% of all transactions. Transaction Banking continues to evolve, allowing customers to transact more safely, quickly and easily.
Number of Transaction Growth (YoY)
This was in line with account growth, with 6.2 million new accounts in 2022 contributing to a total of 34.7 million accounts in December 2022.
Corporate Loan Portfolio Growth (YoY)
Transaction Banking
Business Segment
Performance Overview
Individual Banking
Commercial & SME Banking Commercial & SME Loan Portfolio Growth
BUSINESS REVIEW
Transaction Banking continues to innovate in a consistent, collaborative and customer-
Transaction Banking in 2022
To accelerate the process of purchasing payment settlement infrastructure such as EDC, APOS and QRIS, BCA continues to develop its Merchant BCA. To optimize ATM capabilities, BCA continues to develop partnerships with various parties, for example with OVO and DANA.
BCA seeks to expand corporate lending,
Corporate Banking in 2022
Corporate Loan Portfolio
In December 2022, restructured loans in the corporate segment reached Rp 26.6 trillion, down from the previous year. In addition, Corporate Banking is also exploring a new industry in the retail sector, FMCG (Fast-Moving Consumer Goods).
Commercial and Small &
Medium Enterprise (SME) Banking
BCA provides comprehensive solutions for Commercial and SME customers in the form of
Commercial & SME Banking in 2022
Commercial & SME Loan Portfolio
In addition, various products and programs are constantly being developed, such as multi-purpose loans, BCA commercial financing and partnership loans. In addition, BCA Cash Management uses big data, data analytics and business intelligence to support business decisions and expands collaboration through strategic digital partnerships as a form of value-added services.
Commercial and Small & Medium Enterprise (SME) Banking
Various business developments and innovations in Cash Management services are carried out continuously to meet growing customer needs. In the Cash Management business, BCA will expand collaborations through digital strategic partnerships, as a form of value-added services, to create a seamless ecosystem that will ensure convenient transactions for customers.
BCA remains a reliable and trusted bank for customers, as reflected in the performance of
Individual Banking that serving more than 27 million customers
Individual Banking in 2022
Consumer Loans Portfolio
These various policies have boosted the demand for four-wheelers and two-wheelers and increased the demand for financing. In order to reach a wider circle of customers, we expanded the Wealth Summit with online access through the website wealthsummit.bca.co.id.
Treasury and International Banking
BCA manages to optimize liquidity with calculated risks, as well as provides
Treasury and International Banking in 2022
Treasury Portfolio
BCA continues to innovate and develop business initiatives in Trade Finance to deliver added value to customers and provide convenient, trusted and reliable services. BCA will continue to undertake various initiatives to develop Treasury and International Banking services to deliver added value to customers and provide convenient, reliable and secure banking solutions.
BUSINESS SUPPORT
Risk Management
Disciplined risk management practices
RISK MANAGEMENT FOCUS IN 2022
As of December 2022, BCA's LAR totaled Rp69.4 trillion or 10% of total loans, an improvement from the previous year's Rp90.8 trillion, with reductions visible across all segments. A high CASA ratio is one of BCA's strengths in meeting future challenges, especially in relation to the potential interest rate increases that may occur in the future.
INTEGRATED RISK MANAGEMENT
To inculcate risk culture, BCA routinely conducts operational risk management socialization and Risk Awareness program to each work unit. Adequacy of identification, measurement, monitoring and control of Integrated Risk Management and the Integrated Risk Management Information System;.
INTERNAL CONTROL
Active supervision of the BCA Financial Conglomerate by the Board of Directors and the Supervisory Board of the main entity;
RISK PROFILE ASSESSMENT OF BCA AND SUBSIDIARIES
DISCLOSURE OF RISK MANAGEMENT
- BCA’s Application of Risk Management
- A. Active Supervision by the Board of Commissioners and the Board of Directors
- D. Comprehensive Internal Control System BCA’s Internal Control consists of five main
- BCA Capital Capital Structure
- Disclosure of Risk Exposure and Implementation of Risk Management
- A. Disclosure of Credit Risk Exposure and Implementation of Credit Risk Management
- B. Disclosure of Market Risk Exposure and Implementation of Market Risk Management
- C. Disclosure of Operational Risk Exposures and Implementation of Operational Risk
- E. Disclosure of Legal Risk Exposure and Implementation of Legal Risk Management
- F. Disclosure of Strategic Risk Exposure and Implementation of Strategic Risk
- G. Disclosure of Reputation Risk Exposure and Implementation of Reputation Risk
- H. Disclosure of Compliance Risk Exposure and Implementation of Compliance Risk
- General - Key Metrics - Bank as Consolidated with Subsidiaries
Evaluation of the effectiveness of risk management is also done through regular reports submitted to the Board of Commissioners and the Board of Directors. Examination and assessment of the adequacy and effectiveness of the risk management processes, internal controls and the Bank's corporate governance.
Leverage Ratio
Risk Management Table
General - Differences between book value in accordance with Indonesian accounting standards with exposure value in accordance with the Financial Services Authority (LI2) - per 31 December 2022.
General - Explanations of differences between accounting and regulatory exposure amounts (LIA)
Directly issued qualifying ordinary share (and its equivalent for non-public limited companies) capital plus related surplus shares 7,252,306 f. Directly issued capital subject to phase-out from CET1 (only applicable to non-public limited companies) n.a.
Common Equity Tier 1 capital before regulatory adjustments 223,830,416 Common Equity Tier 1 capital: Regulatory Adjustments
- Common Equity Tier 1 (as a percentage of risk weighted assets) 25.85%
- Total capital (as a percentage of risk weighted assets) 26.84%
- Capital - Composition of Capital (CC1) - as of December 31, 2021
- Common Equity Tier 1 capital before regulatory adjustments 205,388,629 Common Equity Tier 1 capital: Regulatory Adjustments
- Common Equity Tier 1 (as a percentage of risk weighted assets) 25.86%
- Total capital (as a percentage of risk weighted assets) 26.85%
- Capital - Reconciliation of Capital (CC2) - as of December 31, 2022
- Capital - Reconciliation of Capital (CC2) - as of December 31, 2021
- Capital - Main Features of Capital and TLAC - Eligible Instruments (CCA) - as of December 31, 2022
- Leverage Ratio Calculation Report
Significant investments in the capital of banking, financial and insurance entities that fall outside the scope of regulatory consolidation (net of eligible short positions). Significant investments in the capital banking, financial and insurance entities that are outside the scope of regulatory consolidation (net of eligible short positions).
