Pt Bank Central Asia Tbk · IDX:BBCA
Pt Bank Central Asia Tbk — 9M25 Earnings Presentation
37 slides from Pt Bank Central Asia Tbk's earnings presentation, Oct 20, 2025
Slide 1: PT Bank Central Asia Tbk 9M25 Results
PT Bank Central Asia Tbk 9M25 Results 20 October 2025
Slide 2: Agenda
Agenda • Economic Highlights • Banking Industry Updates • 9M25 Performance Overview • Sustainable Finance and ESG • Share Data, Ratings & Awards Analyst Meeting 9M25 PT Bank Central Asia Tbk 2
Slide 3: Economic Highlights
Economic Highlights 9M25 Performance Sustainable Finance Share Data, Ratings Economic Highlights Banking Industry Updates Analyst Meeting 9M25 Overview & ESG & Awards PT Bank Central Asia Tbk 3
Slide 4: Economic Highlights (1/2)
Economic Highlights (1/2) 1 Government spending has accelerated since June 2 Investment GDP expansion supported by SEZ growth 3600 Tn IDR 3,528* 58 %YoY 9 Monthly government spending realization in: Jun-25 8 2023 2024 2025 7.78 54 2700 Manufacturing PMI 7 1,931 6 1800 50 50.4 5 900 46 Nominal Inve
Slide 5: Economic Highlights (2/2)
Economic Highlights (2/2) 5 BI pro-growth stance reflected in declining rates.. 6 ..IDR showing signs of recovery since drop in Sep-25 8 % 8 IDR/USD 5.0 USD Bn (changes since 01 Jan 2025) 4.0 Bonds (lhs) 5 Equities (lhs) 3.0 Cumulative net foreign flows (YTD, lhs) 2.0 6 USD-IDR (YTD, rhs) 5.50 3 1.0
Slide 6: Banking Industry Updates
Banking Industry Updates Banking Industry Updates 9M25 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 9M25 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 Easing liquidity on the back of slowing loan growth YoY Growth 400 O/S Repo* 7 INDONIA 18.1% 350 (Interbank 6.5 300 Overnight Rate) 13.6% 6 14.0% YtD 250 YoY Repo mkt has cooled 5.5 12.2% 9.7% CASA 5.4% 200 down sin
Slide 8: Banking industry (2/2)
Banking industry (2/2) 4 Despite improving liquidity, credit demand remained modest 5 Investment loans grew the highest 90.1% YoY loan growth 88.1% LDR 12.6% 13.0% Investment 85.6% 11.7% 11.1% YtD: +6.9% 11.5% 10.5% 80.5% 10.7% 79.4% 9.4% 8.9% 7.4% 7.7% Consumption YtD: +3.9% 11.0% 10.3% 6.1% 9.7% 7
Slide 9: 9M25 Performance Overview
9M25 Performance Overview Banking Industry Updates 9M25 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 9M25 Economic Highlights PT Bank Central Asia Tbk 9 Overview & ESG & Awards
Slide 10: Loans grew 7.6% YoY, CASA rose 9.1%
Loans grew 7.6% YoY, CASA rose 9.1% Consolidated (Rp tn) Sep-24 Dec-24 Jun-25 Sep-25 YoY YtD QoQ Total Assets 1,434 1,449 1,504 1,539 7.3% 6.2% 2.3% Secondary Reserves & 438 422 433 475 8.5% 12.4% 9.7% Marketable Securities Loans 877 922 959 944 7.6% 2.4% -1.6% Third Party Funds 1,126 1,134 1,
Slide 11: PPOP growth remained strong at 7.9% YoY
PPOP growth remained strong at 7.9% YoY Consolidated (Rp tn) 9M-24 9M-25 YoY 2Q-25 3Q-25 QoQ Operating Income 79.7 85.2 6.9% 28.4 29.0 2.3% Net Interest Income 60.7 63.9 5.2% 21.4 21.4 -0.1% Non Interest Income 19.0 21.4 12.4% 6.9 7.6 9.6% Fees and Commissions 13.8 15.1 9.5% 5.1 5.2 1.3% Trading
Slide 12: Key Ratios
Key Ratios Bank Only 9M-24 9M-25 YoY 2Q-25 3Q-25 QoQ NIM 5.8% 5.8% 0.0% 5.8% 5.7% -0.1% COC 0.4% 0.5% 0.1% 0.5% 0.6% 0.1% Risk Adjusted NIM 5.4% 5.3% -0.1% 5.3% 5.1% -0.2% Cost to Income* 30.2% 29.2% -1.0% 29.8% 30.1% 0.3% ROA** 3.9% 4.0% 0.1% 3.9% 3.7% -0.2% ROE** 24.7% 24.1% -0.6% 24.2% 22.0%
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 Sep-25 YoY YtD QoQ 921.9 941.2 959.2 944.1 877.2 Corporate 429.5 436.9 10.4% 1.7% -3.3% 46.3% 47.1% 47.1% 46.3% 45.1% Commercial 135.3 14
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 rate remains high • Easing utilization rate 82% 82% 81% 80% 78% Utilization Rate (%) 71% Utilization 69% 68% 69% 64% Rate (%) 293 305 Facil
Slide 15: SME loans: 7.7% YoY growth with higher utilization rate
SME loans: 7.7% YoY growth with higher utilization rate 1 BCA vs Industry SME Loan Growth (YoY) 2 BCA SME Loan Facilities and Utilization Rate 14.2% 14.8% 12.9% 11.1% 7.7% 64% 64% 64% 64% Utilization Rate (%) BCA 63% 203 5.8% Industry 197 198 Loan Facilities (Rp tn) 5.6% 194 YoY: +8% 5.3% 5.3% 5.2%
Slide 16: OS Mortgages rose 6.4% YoY
OS Mortgages rose 6.4% YoY 1 BCA vs Industry Mortgages Growth (YoY) 2 BCA Mortgages New Booking and Runoffs (Rp tn) 10.7% 11.2% 10.5% 8.4% 13.3 6.4% BCA 11.6 10.5 9.8 10.2% 10.6% 8.2 8.3 7.8 8.0 8.2 8.7 9.9% Industry Ex. 8.4% Subsidized* New Booking 2.5% 2.6% 2.9% 3.1% 3.2% NPL Industry ** Run Off S
Slide 17: Auto loans moving in line with market trend
Auto loans moving in line with market trend 1 BCA vs Industry Auto Loan Growth (YoY) 2 BCA Auto Loan New Booking and Runoffs (Rp tn) 17.9% 14.8% 12.3% 7.0% 5.5% 5.2% 12.2 12.1 12.1 3.0% 10.7 10.5 10.3 10.1 10.2 2.9% 0.8% Industry* 8.6 -4.3% BCA 6.1 New Booking 2.3% 2.2% 2.2% 2.5% 2.6% NPL Industry**
Slide 18: Consolidated LAR stood at 5.6%
Consolidated LAR stood at 5.6% 1 Loan at Risk (LAR) (Rp tn) 2 Special Mention (Consolidated, Rp tn) Consolidated Dec-24 Sep-25 ∆YoY ∆YtD ∆QoQ 2.4% 2.2% 2.1% 2.1% 2.1% SML Ratio Current Restruct. 12.0 12.0 -8.6% -0.2% -6.5% 21.1 19.6 19.9 21.1 19.8 SML O/S Special Mention 19.6 19.8 -6.0% 1.1% -6.1% 5
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 Sep-25 YoY YtD QoQ 1,193.4 1,189.8 1,204.7 1,125.6 1,133.6 17.9% 17.5% 17.1% CASA 924.0 998.9 9.1% 8.1% 1.7% 18.7% 18.5% 32.1% 32.4% 33.5% 31.
Slide 20: Transaction volume rose 78% in 3 years
Transaction volume rose 78% in 3 years End-to-end Supply Chain 9M25 Supplier Principal Large-sized Distributor Mid-sized Distributor Retailer End customer No. of Customers Powered by Integrated and Trusted Channels 34.1 million +29% in 3 yrs 1 Online Business Banking 2 Merchant Point-of-Sales 3 Two
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% 14% YoY 8% 2023 2024 9M25 2023 2024 9M25 3 Mobile Banking Transaction per User 63% Account Opened via online in 9M25 25%
Slide 22: Feature enrichments for better customer experience
Feature enrichments for better customer experience Popular Features Multi-currency Wallet Financial Diary Access to BCA Sekuritas Portfolio Multi-currency wallet for Financial Records: View BCA Sekuritas foreign currency transactions Account Transfer Shopping • Real time notification portfolio infor
Slide 23: Comprehensive solutions for business banking
Comprehensive solutions for business banking B2B2C B2C A long-standing track record of online platform Constantly Enlarging the Acceptance Ecosystem • Ease in managing payments and transaction information FCY Transfer Forex Virtual Account One of the largest merchant Wide acceptance of Credit POS (P
Slide 24: AI adoption to optimize efficiency, innovation and fraud detection
AI adoption to optimize efficiency, foster innovation & customer experience, and fraud detection Operational Efficiency & Effectiveness Foster Innovation and Customer Experience Fraud Detection • CRM/ATM operational efficiency – Predictive machine maintenance, cash • Fast online account Online accou
Slide 25: Transformation of off-line channels to boost productivity
Transformation of off-line channels to boost productivity Branch presence ~64% Increased from 60% ~30% and productivity of total transactions at branch reduction in is pivotal given: done via self-assisted machines transaction time • Rising number of Self Assisted Machines In-person Banking customer
Slide 26: Sustainable Finance and ESG
Sustainable Finance and ESG • Economic Aspect • Environment • Social • Governance Banking Industry Updates 9M25 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 9M25 Economic Highlights PT Bank Central Asia Tbk 26 Overview & ESG & Awards
Slide 27: Sustainable Financing grew 12.7% YoY
Sustainable Financing grew 12.7% YoY Sustainable Financing portfolio Promoting MSMEs Empowerment Outstanding (Rp Trillion) YoY 12.7% Supporting >1,400 MSMEs to improve quality & competitiveness 229 241 214 through mentoring, promotion, expanding market access, and 203 184 providing payment facilitie
Slide 28: Moving Towards Sustainable Culture
Moving Towards Sustainable Culture Operational Waste Recycled More Sustainable Event & Lifestyle Promoting sustainable lifestyle among Expired Archives Organic employees in workplace and daily life through Green Champion Challenge Electronic Waste Non-organic 386 ton Waste recycled 23 ton waste recy
Slide 29: Benefiting wider communities through value-added initiatives
Benefiting wider communities through value-added initiatives Empowering Communities for Economic Growth Safeguarding Coastal Biodiversity for Future Generations Sea Turtle Conservation Promote responsible tourism 34.4k Turtle eggs relocated 27 Assisted Villages 24.2k Hatchlings released Scale up eco
Slide 30: Strengthening Corporate Governance & Cyber Resilience
Strengthening Corporate Governance & Cyber Resilience Good Governance fo Sustainable Business Practices Increase audit coverage by developing predictive analytic Self-Assessment on the Implementation of Good Corporate tools/machine learning as Early Warning Systems (EWS) to detect Governance accordi
Slide 31: Recognitions of Good Governance and overall ESG
Recognitions of Good Governance and overall ESG MSCI Indonesia Index #1 in Banking Sector FTSE4Good ASEAN 5 Index Top 10 Constituents Top 10 Constituents World's Most Trustworthy Company BCA constituents of: by Newsweek for 3 • IDX ESG Leaders Index consecutive years • SRI – KEHATI Index • ESG Quali
Slide 32: Share Data, Ratings & Awards
Share Data, Ratings & Awards Banking Industry Updates 9M25 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 9M25 Economic Highlights PT Bank Central Asia Tbk 32 Overview & ESG &Awards
Slide 33: BCA share performance & rating
BCA share performance & rating BCA Shareholding Structure (30 September 2025) Performance BBCA vs IDX Finance Index Ownership (Relative price up to 20 Oct 2025 against 1 Jan 2018) Number of Shares 148.9% Percentage 150% 135.7% PT Dwimuria Investama Andalan* 67,729,950,000 54.94% 130% 126.0% BCA Shar
Slide 34: Selected awards and recognitions - 2025
Selected awards and recognitions - 2025 Best Bank Time Magazine The Asian Banker Euromoney World’s Best Companies 2025 TAB Excellence in Retail Finance Private Banking Awards 2025 • #1 Indonesia Awards 2025 • Indonesia’s Best Private Bank • #527 Global The Best Retail Bank in Indonesia • Indonesia’s
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 Sep 2025 (tidak diaudit) PT Bank Central Asia Tbk Financial Statements 9M25 PT Bank Central Asia Tbk 9M25 Results 20 October 2025 Economic A
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