Pt Bank Central Asia Tbk · IDX:BBCA
Pt Bank Central Asia Tbk — Q1 2026 Earnings Presentation
36 slides from Pt Bank Central Asia Tbk's earnings presentation, Apr 23, 2026
Slide 1: PT Bank Central Asia Tbk 1Q26 Results
PT Bank Central Asia Tbk 1Q26 Results 23 April 2026
Slide 2: Agenda
Agenda • Economic Highlights • Banking Industry Updates • 1Q26 Performance Overview • Sustainable Finance and ESG • Share Data, Ratings & Awards Analyst Meeting 1Q26 PT Bank Central Asia Tbk 2
Slide 3: Economic Highlights
Economic Highlights 1Q26 Performance Sustainable Finance Share Data, Ratings Economic Highlights Banking Industry Updates Analyst Meeting 1Q26 Overview & ESG & Awards PT Bank Central Asia Tbk 3
Slide 4: Economic Highlights (1/2)
Economic Highlights (1/2) 1 Business transaction shows strong growth 2 Consumer spending has improved since 4Q25 175 BCA Business Transaction Index 135 BCA Consumer Spending Index Index (May-24 = 100) Index (May-24 = 100) 165 125 155 145 140.28* 113.12* May 25 – Apr 26 115 May 25 – Apr 26 135 125 10
Slide 5: Economic Highlights (2/2)
Economic Highlights (2/2) 5 Govt spending accelerated to spur growth in 1Q26 6 Net foreign outflow stabilized recently IDR Tn Central government revenue & expenditure (% of target) 150 IDR Tn 900 21.2% 24’ & 25’ average 815 75 22.1% 18.4% 17.1% 19.6% 17.8% 600 18.2% 620 612 17.2% 620 0 575 516 -57.2
Slide 6: Banking Industry Updates
Banking Industry Updates Banking Industry Updates 1Q26 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 1Q26 Economic Highlights PT Bank Central Asia Tbk 6 Overview & ESG & Awards
Slide 7: Banking industry (1/2)
Banking industry (1/2) 1 Saw stronger deposit trend over the past 3 quarters 2 Loan growth continued to ease YoY 18.0% 87.6% CASA 84.3% 83.7% LDR 14.0% 12.9% 13.7% 83.2% 13.0% YtD: -0.3% YoY: -2.9% Deposits 78.1% YtD: -0.6% 12.0% 13.6% 76.6% 12.7% YtD: +0.3% 9.0% 4.9% 11.1% 9.6% 10.5% 9.9% 8.4% 4.8%
Slide 8: Banking industry (2/2)
Banking industry (2/2) 5 Loan yield declined faster than cost of funds 5 6 Banking sector saw NIM pressure 9.05% 8.94% 8.71% 8.53% 8.63% Loan Yield 8.06% YoY: -0.95% 4.92% YtD: -0.57% 4.80% 4.72% 2.85% 2.80% Deposits CoF 4.63% Industry NIM 2.46% 2.42% YoY: -0.42% 4.56% YoY: -0.01% 2.02% 4.47% 1.70%
Slide 9: 1Q26 Performance Overview
1Q26 Performance Overview Banking Industry Updates 1Q26 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 1Q26 Economic Highlights PT Bank Central Asia Tbk 9 Overview & ESG & Awards
Slide 10: Strong CASA growth of 11.2% YoY, loans rose 5.6%
Strong CASA growth of 11.2% YoY, loans rose 5.6% Consolidated (Rp tn) Mar-25 Dec-25 Mar-26 YoY QoQ Total Assets 1,534 1,587 1,641 7.0% 3.4% Secondary Reserves & 462 477 524 13.3% 9.9% Marketable Securities Loans 941 993 994 5.6% 0.1% Third Party Funds 1,193 1,249 1,292 8.3% 3.5% CASA 979 1,045 1
Slide 11: Positive PPOP growth
Positive PPOP growth Consolidated (Rp tn) 1Q-25 1Q-26 YoY 4Q-25 QoQ Operating Income 26.9 27.8 3.3% 28.5 -2.3% Net Interest Income 21.1 21.1 0.0% 21.6 -2.3% Non Interest Income 5.8 6.6 14.2% 6.9 -3.1% Fees and Commissions 4.8 5.5 14.2% 5.7 -3.6% Trading Income 0.8 0.9 13.3% 1.0 -2.8% Others 0.2
Slide 12: Key Ratios
Key Ratios Bank Only 1Q-25 4Q-25 1Q-26 YoY QoQ Risk Adjusted NIM* 5.3% 5.2% 4.8% -0.5% -0.4% NIM 5.8% 5.6% 5.4% -0.4% -0.2% COC 0.5% 0.4% 0.6% 0.1% 0.2% Cost to Income 28.5% 35.9% 27.3% -1.2% -8.6% ROA 4.3% 3.6% 4.1% -0.2% 0.5% ROE 26.2% 21.0% 25.1% -1.1% 4.1% CAR 26.6% 29.8% 27.0% 0.4% -2.8% CA
Slide 13: Business segment driving loan growth
Business segment driving loan growth 1 Loan Composition by Segment (Rp tn) 2 Loan by Segment (Rp tn) Consumer SME Commercial Corporate Consolidated Mar-25 Dec-25 Mar-26 YoY QoQ 959.3 992.9 993.8 941.4 944.1 Corporate 443.4 481.4 483.8 9.1% 0.5% 47.1% 47.1% 46.3% 48.2% 48.7% Commercial 137.4 144.
Slide 14: Corporate loans grew 9.1% YoY
Corporate loans grew 9.1% YoY 1 Investment Loan Facilities and Utilization Rate 2 Working Capital Loan Facilities and Utilization Rate • Utilization continue grow • Utilization rate at 65% 80% 81% Utilization Rate (%) 68% 69% 68% Utilization 81% 80% 78% 65% 64% Rate (%) Facilities (Rp tn) 328 330 Fa
Slide 15: SME loans rose 5.4% YoY
SME loans rose 5.4% YoY 1 BCA vs Industry SME Loan Growth (YoY) 2 BCA SME Loan Facilities and Utilization Rate 12.9% 11.1% 64% 64% 7.7% 5.4% BCA 64% 63% Utilization Rate (%) 5.7% 63% 203 206 206 Loan Facilities (Rp tn) 5.2% 5.8% 197 198 YoY: +5% 3.8% 3.2% QoQ: +0% Industry -1.0% ex micro* 4.6% 4.7%
Slide 16: Mortgages new booking grew 10.2% YoY
Mortgages new booking grew 10.2% YoY 1 BCA vs Industry Mortgages Growth (YoY) 2 BCA Mortgages New Booking and Runoffs (Rp tn) 10.5% 8.4% 6.4% 5.0% 5.2% BCA 12.2 10.5 9.8 8.8% 8.0 8.2 8.7 8.7 8.6 8.5 7.6% 7.8 6.0% Industry Ex. 4.8% Subsidized* New Booking 2.9% 3.1% 3.3% 3.1% 3.3% NPL Industry ** Run
Slide 17: Auto loans: prudent strategies in navigating industry dynamics
Auto loans: prudent strategies in navigating industry dynamics 1 BCA vs Industry – Car Sales (in unit) 2 BCA Auto Loan New Booking and Runoffs (Rp tn) YoY Growth -6.0% 7.0% 1% Industry 12.0 -9.0% -11.0% -14.0% 10.5 10.3 10.4 10.2 8.6 9.2 -38.0% 6.1 5.8 6.3 -45% BCA New Booking -46.0% -56.0% Run Off
Slide 18: Consolidated LAR stood at 5.1%
Consolidated LAR stood at 5.1% 1 Loan at Risk (LAR) (Rp tn) 2 LAR (Consolidated, Rp tn) Consolidated Mar-25 Dec-25 Mar-26 ∆YoY ∆QoQ 6.0% 5.8% 5.5% 4.8% 5.1% LAR Ratio Current Restruct. 16.9 12.4 12.1 -28.3% -2.0% Special Mention 19.9 17.8 19.2 -3.5% 7.8% 55.1 54.0 51.1 46.7 49.2 LAR O/S NPL 18.7 16.
Slide 19: Strong growth in CASA & investment
Strong growth in CASA & investment 1 Third Party Fund Composition (Rp tn) 2 Third Party Funds (Rp tn) Savings Current Accounts Time Deposits Consolidated Mar-25 Dec-25 Mar-26 YoY QoQ 1,249.0 1,292.4 1,193.4 1,189.8 1,204.7 16.3% 15.7% 17.9% 17.5% 17.1% CASA 979.2 1,045.2 1,089.1 11.2% 4.2% 34.8%
Slide 20: Transaction volume rose 61% in years
Transaction volume rose 61% in 3 years End-to-end Supply Chain No. of Customers Supplier Principal Large-sized Distributor Mid-sized Distributor Retailer End customer 34.5 mn +18% in 3 yrs 1 Online Business Banking 2 Merchant Point-of-Sales (POS) 3 Two Leading & Merchant Mobile Banking Apps Apps Vir
Slide 21: Newer mobile app, myBCA, continues gaining traction
Newer mobile app, myBCA, continues gaining traction BCA myBCA mobile Since myBCA apps saw rapid growth of usage Since 2011 2021 Comp % to Total Mobile Banking Trx Vol. myBCA - No. of users ↑26x in 4 years (+57% YoY) 58% myBCA - Trx Volume ↑30x in 4 years (+45% YoY) 96% myBCA - Trx Value Rp ↑17x in 4
Slide 22: Continuous enrichments for better mobile experience
Continuous enrichments for better mobile experience Forex & Rupiah Pockets (Sub Accounts) myBCA Language Options Integration with subsidiaries Available in 3 languages: Bahasa Indonesia, ✓ Quick access to all BCA subsidiaries’ apps English, and Mandarin ✓ Upgraded brokerage apps ✓ Credit portfolio i
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 offline channels to boost productivity
Transformation of offline channels to boost productivity ~63% of total branch trx done via machines 16% (vs 3 Yr ago) ~87% of total branch trx done via pre-filled forms prior arriving at branches using eBranch app 30% (vs 3 Yr ago) (1Q26) • Cash Deposit Machine • Cash Withdrawal assisted counter ~Rp
Slide 25: AI to boost efficiency, customer experience & fraud detection
AI to boost efficiency, customer experience & fraud detection Lower average Time reduction in ATM / CRM / deposit Online account AI Development Retail CASA Fraud downtime per financial document machines operational opening avg. process delivery growth from AI processing complaints ATM management wit
Slide 26: Sustainable Finance and ESG
Sustainable Finance and ESG • Economic Aspect • Environment • Social • Governance Banking Industry Updates 1Q26 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 1Q26 Economic Highlights PT Bank Central Asia Tbk 26 Overview & ESG & Awards
Slide 27: Sustainable financing grew 10% YoY
Sustainable financing grew 10% YoY Sustainable Financing portfolio Highlights (Cont’d) : Outstanding (Rp Trillion) YoY Sustainable Palm Oil : 10.0% 255 258 ISPO and/or RSPO Certifications Dec-23 Dec-24 Dec-25 229 235 203 # Palm Oil Corporate Debtors with Certifications 63 68 80 Green 113 113 7.7% Fi
Slide 28: Responsible business to create sustainable impact
Responsible business to create sustainable impact Maintaining strong IT Resilience & Responsible consumption in daily Environmentally-friendly buildings to Governance operations lower energy consumption IT Certification Promoting waste management as a sustainable culture Reducing 18% Energy consumpt
Slide 29: Benefiting wider communities through value-added initiatives
Benefiting wider communities through value-added initiatives Financial Literacy & Inclusion for Communities Community Health Assistance Community Empowerment Develop financial literacy Expanding access and Building sustainable tourism in unbanked, underbanked, underserved affordability 103 patients
Slide 30: Recognitions of Good Governance and overall ESG
Recognitions of Good Governance and overall ESG ASEAN Corporate Governance MSCI Indonesia Index Dow Jones Sustainability Index LSEG Scorecard Rating ESG Rating 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 2
Slide 31: Share Data, Ratings & Awards
Share Data, Ratings & Awards Banking Industry Updates 1Q26 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 1Q26 Economic Highlights PT Bank Central Asia Tbk 31 Overview & ESG &Awards
Slide 32: BCA share performance & rating
BCA share performance & rating BCA Shareholding Structure (31 March 2026) Performance BBCA vs IDX Finance Index Ownership (Relative price up to 10 Apr 2026, compared against 1 Jan 2018) Number 148.9% of Shares Percentage 150% 135.7% PT Dwimuria Investama Andalan* 67,729,950,000 54.94% 130% 126.0% Pu
Slide 33: Selected awards and recognitions (2025-2026)
Selected awards and recognitions (2025-2026) Best Bank Gallup International The Iconomics SWA Gallup Global Customer Digital Financial Awards 2026 Indonesia Customer Experience Engagement • E-Customer Service, Flazz BCA Award 2025 • Customer Engagement • Mobile Banking, BCA Mobile • #1 Mobile Bankin
Slide 34: Publications in BCA website (www.bca.co.id)
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 31 Mar 2026 (tidak diaudit) PT Bank Central Asia Tbk Financial Statements 1Q26 PT Bank Central Asia Tbk 1Q26 Results 23 April 2026 23 April 202
Slide 35: 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 36: Thank You
Thank You