Pt Bank Central Asia Tbk · IDX:BBCA
Pt Bank Central Asia Tbk — FY2025 Earnings Presentation
43 slides from Pt Bank Central Asia Tbk's earnings presentation, Jan 27, 2026
Slide 1: PT Bank Central Asia Tbk FY25 Results
PT Bank Central Asia Tbk FY25 Results 27 January 2026
Slide 2: Agenda
Agenda • Economic Highlights • Banking Industry Updates • FY25 Performance Overview • Sustainable Finance and ESG • Share Data, Ratings & Awards Analyst Meeting FY25 PT Bank Central Asia Tbk 2
Slide 3: Economic Highlights
Economic Highlights FY25 Performance Sustainable Finance Share Data, Ratings Economic Highlights Banking Industry Updates Analyst Meeting FY25 Overview & ESG & Awards PT Bank Central Asia Tbk 3
Slide 4: Economic Highlights
Economic Highlights Always by your side 1 2025 Government spending higher than 2024 2 Manufacturing PMI and consumer confi. index in positive zone Tn IDR 3600 3,451.4 55 Consumer Confidence Index → 130 3,359.8 Monthly government spending realization in: 3,121 2023 2024 2025 2400 52 124 123.5 51.2 12
Slide 5: Economic Highlights (2/2)
Economic Highlights (2/2) 5 BI policy rate unchanged to preserve Rupiah stability 6 Net foreign inflows in Dec-25 as Fed cuts while BI stays 8.00 6 USD Bn 3 7.00 0.3 6.21 0 0 6.00 -1.1 5.70 5.00 4.75 -6.7 -6 -3 4.00 3.79 -3.5 Indonia BI-rate -7.4 3.00 Indo 5Y Gobond Indo 10Y Gobond Source : Bloomber
Slide 6: Banking Industry Updates
Banking Industry Updates Banking Industry Updates FY25 Performance Sustainable Finance Share Data, Ratings Analyst Meeting FY25 Economic Highlights PT Bank Central Asia Tbk 6 Overview & ESG & Awards
Slide 7: Banking industry (1/2)
Banking industry (1/2) 1 Accelerated deposits following stronger Govt Spending 2 Private co, gov’t and state enterprises led deposit growth in Rp trillion YoY Total Deposits YoY Total Deposits 42.4% SOE & Gov’t 13.9% Private Co. Individuals 2.7% Source: BI (SEKI) Source: BI (SEKI) 3 Indiv. Gov’t bon
Slide 8: Banking industry (2/2)
Banking industry (2/2) 5 Credit growth remained at ~10% level 5 6 Investment loans grew the highest YoY loan growth 87.6% 21.1% Investment 83.2% 82.9% LDR* 78.1% 13.6% 76.6% 12.2% 12.3% 11.1% 10.5% 12.0% 10.1% 10.6% 9.9% 9.7% Loans 9.4% 9.1% 6.6% Consumption 6.3% 8.4% 4.9% 4.7% 4.5% Work. Cap. 4.0%
Slide 9: FY25 Performance Overview
FY25 Performance Overview Banking Industry Updates FY25 Performance Sustainable Finance Share Data, Ratings Analyst Meeting FY25 Economic Highlights PT Bank Central Asia Tbk 9 Overview & ESG & Awards
Slide 10: Strong CASA growth of 13.1% YoY, loans rose 7.7%
Strong CASA growth of 13.1% YoY, loans rose 7.7% Consolidated (Rp tn) Dec-23 Dec-24 Dec-25 YoY Sep-25 QoQ Total Assets 1,408 1,449 1,587 9.5% 1,539 3.1% Secondary Reserves & 441 422 477 12.8% 475 0.4% Marketable Securities Loans 810 922 993 7.7% 944 5.2% Third Party Funds 1,102 1,134 1,249 10.2%
Slide 11: Resilient performance, positive PPOP growth
Resilient performance, positive PPOP growth Consolidated (Rp tn) FY-23 FY-24 FY-25 YoY 3Q-25 4Q-25 QoQ Operating Income 95.8 105.4 111.1 5.4% 28.4 27.6 -3.0% Net Interest Income 74.8 82.0 85.4 4.1% 21.4 21.6 0.9% Non Interest Income 19.8 22.0 25.6 16.0% 6.8 6.9 1.0% Fees and Commissions 17.3 18.
Slide 12: Key Ratios
Key Ratios Bank Only FY-23 FY-24 FY-25 YoY 3Q-25 4Q-25 QoQ Risk Adjusted NIM* 5.2% 5.5% 5.2% -0.3% 5.1% 5.2% 0.1% NIM 5.5% 5.8% 5.7% -0.1% 5.7% 5.6% -0.1% COC 0.3% 0.3% 0.5% 0.2% 0.6% 0.4% -0.2% Cost to Income 33.9% 31.3% 30.7% -0.6% 30.1% 35.9% 5.8% ROA 3.6% 3.9% 3.9% -0.1% 3.7% 3.6% -0.1% ROE
Slide 13: Loan growth driven by business segment
Loan growth driven by business segment 1 Loan Composition by Segment (Rp tn) 2 Loan by Segment (Rp tn) Consumer SME Commercial Corporate Consolidated Dec-24 Dec-25 YoY Sep-25 QoQ 959.2 992.9 921.9 941.2 944.1 Corporate 429.5 478.9 11.5% 436.9 9.6% 47.1% 47.1% 46.3% 48.2% 46.3% Commercial 135.3 1
Slide 14: Corporate loans recorded solid YoY growth
Corporate loans recorded solid YoY growth 1 Investment Loan Facilities and Utilization Rate 2 Working Capital Loan Facilities and Utilization Rate • Utilization rose QoQ • Utilization rate rebounded in 4Q 82% 80% Utilization Rate (%) Utilization 81% 80% 78% 69% 68% 69% 68% Rate (%) 64% 324 Facilitie
Slide 15: SME loans: 5.7% YoY growth
SME loans: 5.7% YoY growth 1 BCA vs Industry SME Loan Growth (YoY) 2 BCA SME Loan Facilities and Utilization Rate 14.8% 12.9% 11.1% 7.7% 5.7% 64% 64% 64% 64% Utilization Rate (%) BCA 63% 206 Loan Facilities (Rp tn) 5.3% 5.8% 203 5.2% Industry 197 198 YoY: +6% 3.8% 194 3.3% Ex Micro* 4.3% 4.6% 4.7% 4
Slide 16: OS Mortgages rose 5.0% YoY
OS Mortgages rose 5.0% YoY 1 BCA vs Industry Mortgages Growth (YoY) 2 BCA Mortgages New Booking and Runoffs (Rp tn) 11.2% 10.5% 8.4% 13.3 6.4% 12.2 5.0% BCA 10.5 9.8 10.0% 8.3 8.0 8.2 8.7 8.7 7.8 8.8% 7.6% Industry Ex. New Booking 6% Subsidized* Run Off 2.6% 2.9% 3.1% 3.3% 3.3% NPL Industry ** Dec-2
Slide 17: Auto loans: prudent lending as industry is in transition period
Auto loans: prudent lending as industry is in transition period 1 BCA vs Industry – Car Sales (in unit) 2 BCA Auto Loan New Booking and Runoffs (Rp tn) YoY Growth -6.0% -10.0% 7.0% Industry 12.1 12.1 10.7 10.5 10.3 10.2 10.4 8.6 -8.0% -9.0% -34% BCA 7.1 -11.0% -14.0% 6.1 New Booking -38.0% Run Off -
Slide 18: Consolidated LAR improved to 4.8%
Consolidated LAR improved to 4.8% 1 Loan at Risk (LAR) (Rp tn) 2 Special Mention (Consolidated, Rp tn) Consolidated Dec-24 Dec-25 ∆YoY Sep-25 ∆QoQ 2.1% 2.1% 2.2% 2.1% 1.8% SML Ratio Current Restruct. 12.0 12.4 3.0% 12.0 3.2% 19.6 19.9 21.1 19.8 17.8 SML O/S Special Mention 19.6 17.8 -9.1% 19.8 -9.9%
Slide 19: CASA outgrew industry YtD
CASA outgrew industry YtD 1 Third Party Fund Composition (Rp tn) 2 Third Party Funds (Rp tn) Savings Current Accounts Time Deposits Consolidated Dec-24 Dec-25 YoY Sep-25 QoQ 1,204.7 1,249.0 1,193.4 1,189.8 1,133.6 16.3% 17.9% 17.5% 17.1% CASA 924.0 1,045.2 13.1% 998.9 4.6% 18.5% 32.1% 32.4% 33.5
Slide 20: Transaction volume rose 76% in 3 years
Transaction volume rose 76% in 3 years End-to-end Supply Chain FY25 Supplier Principal Large-sized Distributor Mid-sized Distributor Retailer End customer Powered by Integrated and Trusted Channels No. of 1 Online Business Banking 2 Merchant Point-of-Sales 3 Two Leading Customers (POS) & Merchant BC
Slide 21: Two leading mobile apps for customer choice
Two leading mobile apps for customer choice 1 Mobile & Internet Banking Trx Volume 2 Mobile & Internet Banking Trx Value BCA mobile myBCA Since 2011 Since 2021 27% 23% 19% YoY 14% 15% YoY 8% 2023 2024 2025 2023 2024 2025 3 Mobile Banking Transaction per User ~60% Account Opened via online in FY25 25
Slide 22: Feature enrichments for better customer experience
Feature enrichments for better customer experience Forex & Rupiah Pockets (Sub Accounts) myBCA Language Options Integration with BCA Subsidiaries… Available in 3 languages: Bahasa Indonesia, ✓ Quick access to BCA subsidiaries’ apps English, and Mandarin ✓ View brokerage portfolio ✓ Purchase insuranc
Slide 23: Comprehensive solutions for business banking
Comprehensive solutions for business banking B2B2C B2C One Stop Solution for businesses with beyond banking Constantly Expanding the Acceptance Ecosystem capabilities: accounting solution, tax, human resource and others EDC BCA Accept a wide-range of payment An integrated platform of banking service
Slide 24: Transformation of off-line channels to boost productivity
Transformation of off-line channels to boost productivity ~63% of total transactions at branch done via self-assisted machines 22% (vs 3 Yr ago) • Cash Deposit Machine • Cash Withdrawal assisted counter ~Rp10 bn ~75% transactions per of ATMS are Deposit machine and Withdrawal CRM/ATM per month Machi
Slide 25: AI to boost efficiency, customer experience & fraud detection
AI to boost efficiency, customer experience & fraud detection Cash, card Lower average Online account AI Development Fraud complaints replenishment cost downtime / opening average process delivery machine handling time: ~50% YoY 46% YoY 30% vs manual process 55% faster 70% YoY Foster Innovation, Cus
Slide 26: Sustainable Finance and ESG
Sustainable Finance and ESG • Economic Aspect • Environment • Social • Governance Banking Industry Updates FY25 Performance Sustainable Finance Share Data, Ratings Analyst Meeting FY25 Economic Highlights PT Bank Central Asia Tbk 26 Overview & ESG & Awards
Slide 27: Cultivating the SDGs towards sustainable banking 2025 Achievements
Cultivating the SDGs towards sustainable banking 2025 Achievements 9 Prioritized SDGs Deliverables Providing Communities Healthcare Assistance Implementing Environment-Friendly Operation 12,061 Patients treated at BCA Assisted Clinic 2,100 Blood bag donations 11.7% Sustainable finance growth YoY 815
Slide 28: Sustainable financing grew 11.7% YoY
Sustainable financing grew 11.7% YoY Sustainable Financing Portfolio Highlights : Outstanding (Rp Trillion) Strong commitment in promoting Sustainable Palm Oil : YoY 11.7% 255 ISPO and/or RSPO Certifications Dec-23 Dec-24 Dec-25 229 203 184 14.5% # Palm Oil Corporate Debtors with Certifications 63 6
Slide 29: Responsible consumption throughout operations
Responsible consumption throughout operations Emission Waste Energy Measure & manage carbon footprint Promoting waste management as a sustainabe culture Reducing 18% Energy consumption in 2 years Environmental Impact Energy intensity (kWh/m2/year) FY25 100% Operational Emission 299,513 ton CO2eq 596
Slide 30: Responsible operations across value chain
Responsible operations across value chain Creating Value Beyond Business Bringing Sustainable Impact for Supply Chain Consistently Delivering Excellent Service Updating Compliance Statement across supply chain Ensuring compliance of supply chain to the responsible Customer Engagement Branch Service
Slide 31: ESG Recognitions
ESG Recognitions ASEAN Corporate Governance MSCI Indonesia Index Dow Jones Sustainability Index LSEG Scorecard Rating Top 10 Constituents S&P Global CSA ESG Scores 106.6 108.2 101.9 Score 62 Score 84 90.8 Rank percentile 87th Top 25% Global BCA 77.0 TBA 70.0 67.0 Industry Avg Last update: May 2025 L
Slide 32: Share Data, Ratings & Awards
Share Data, Ratings & Awards Banking Industry Updates FY25 Performance Sustainable Finance Share Data, Ratings Analyst Meeting FY25 Economic Highlights PT Bank Central Asia Tbk 32 Overview & ESG &Awards
Slide 33: BCA share performance & rating
BCA share performance & rating BCA Shareholding Structure (31 December 2025) Performance BBCA vs IDX Finance Index Ownership (Relative price up to 15 Jan 2026, compared against 1 Jan 2018) Number of Shares Percentage 148.9% 150% PT Dwimuria Investama Andalan* 67,729,950,000 54.94% 135.7% 130% 126.0%
Slide 34: Selected awards and recognitions - 2025
Selected awards and recognitions - 2025 Best Bank Forbes Brand Finance The Asian Banker World’s Best Bank 2025 World’s Strongest Banking Brand TAB Excellence in Retail Finance • #1 World’s Best Bank in 2025 Awards 2025 Indonesia Strongest Banking Brands 2025 The Best Retail Bank in Indonesia #1 in A
Slide 35: Publications in BCA website
Publications in BCA website (www.bca.co.id) Scan QR or Click Image to access the file Audited / Long Corporate Presentations Form Reports Short Form Reports 30 Dec 2025 (tidak diaudit) PT Bank Central Asia Tbk Financial Statements FY25 PT Bank Central Asia Tbk FY25 Results 27 January 2026 Annual Rep
Slide 36: Disclaimer
DISCLAIMER This Presentation has been prepared by PT Bank Central Asia Tbk (“BCA”) for information purposes only. This Presentation including any information, estimation and/or projections contained herein or provided by BCA in any other written or verbal communication (the “Information”) does not c
Slide 37: Thank You
Thank You
Slide 38: CASA by Segment in Nov 25
CASA by Segment in Nov 25 CASA Organization CASA Individual Large Corpo. Commercial SME Total 38
Slide 39: Government expands subsidies and targets job creation through economic packages
Government expands subsidies and targets job creation through Always by your side economic packages 8 + 4 + 5 8 2025 Program Acceleration 4 Continued under 2026 Program 5 Job Creation Programs 1 Direct Food Assistance ~3.4 mn jobs Rp7 Tn, 18.3mn families Labour Intensive 1 Programs under 7 Extension
Slide 40: CA Market Share - Private Sector Funds by Banks and CoF
CA Private Funds Mkt Share - Top Banks and CoF CA Market Share - Private Sector Funds by Banks and CoF CA Market Share Private Sectors CA Cost Of Funds – BCA vs SOE Banks 14.9% 14.8% 14.5% 13.8% 14.0% 14.0% Mandiri 13.6% 13.6% 13.7% 13.7% 12.8% 13.0% 13.1% 13.0% 13.1% 13.1% BCA 4.88% BRI 12.8% 12.6%
Slide 41: SA Market Share - Private Sector Funds by Banks and CoF
SA Private Funds Mkt Share - Top Banks and CoF SA Market Share - Private Sector Funds by Banks and CoF SA Market Share Private Sectors SA Cost Of Funds – BCA vs SOE Banks 20.5% 20.4% 20.2% 20.1% 20.2% 20.0% 20.3% BCA 19.9% 19.4% BRI 18.7% 18.9% 19.3% 19.6% 19.7% 19.0% 19.2% 18.9% 18.9% 18.1% 17.9% 1
Slide 42: Transactions - Retail mobile & internet banking per user
BCA vs peers Transactions - Retail mobile & internet banking per user Trx Volume per User, Quarterly - Online Retail Banking BCA (Online Retail Banking) Bank A 299 +8.8% QoQ +21.4% YoY 270 275 246 252 1.1% QoQ 36 39 36 35 36 -0.9% YoY 3Q24 4Q24 1Q25 2Q25 3Q25 3Q24 4Q24 1Q25 2Q25 3Q25 Trx Value per U
Slide 43: Transactions 9M25 – Retail and Wholesale Banking
BCA vs peers Transactions 9M25 – Retail and Wholesale Banking 1 Retail Biz. A Registered Users (mn) B No. of Trx (bn) C Trx Value (Rp tn) BCA 2.6x BCA 7.6x Bank A Bank A YoY % Bank A Bank B Bank C Bank A Bank B Bank C Bank A Bank B Bank C (mBCA, Livin Brimo Wondr (mBCA, Livin Brimo Wondr (mBCA, Livi