Pt Bank Central Asia Tbk · IDX:BBCA
Pt Bank Central Asia Tbk — H1 2026 Earnings Presentation
35 slides from Pt Bank Central Asia Tbk's earnings presentation, Jul 28, 2026
Slide 1: 1H26 Results
PT Bank Central Asia Tbk 1H26 Results 28 July 2026
Slide 2: Agenda
Agenda • Economic Highlights • Banking Industry Updates • 1H26 Performance Overview • Sustainable Finance and ESG • Share Data, Ratings & Awards Analyst Meeting 1H26 PT Bank Central Asia Tbk 2
Slide 3: Economic Highlights
Economic Highlights 1H26 Performance Sustainable Finance Share Data, Ratings Economic Highlights Banking Industry Updates Analyst Meeting 1H26 Overview & ESG & Awards PT Bank Central Asia Tbk 3
Slide 4: Economic Highlights (1/2)
Economic Highlights (1/2) 1 Business transactions move sideways in the last 12-m 2 Consumer spending flattens since early 2026 130 160 Index Jan-25 = 100 Index Jan-25 = 100 2024 2025 2026 149.16 2024 2025 2026 121.25 120 140 128.28 110.24 120.04 110 106.12 120 107.68 97.38 100 96.94 100 90 95.31 80
Slide 5: Economic Highlights (2/2)
Economic Highlights (2/2) 5 Fuel prices are partly subsidized to manage inflation 6 Spend some FX reserve to manage IDR depreciation 90 6 Oil price growth and inflation Bn USD FX Reserve and USD/IDR FX reserves USD/IDR 160 (inverted) 15,000 60 4 Inflation (%) 3.34 16,000 30 2 150 144.9 17,000 7
Slide 6: Banking Industry Updates
Banking Industry Updates Banking Industry Updates 1H26 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 1H26 Economic Highlights PT Bank Central Asia Tbk 6 Overview & ESG & Awards
Slide 7: Banking industry (1/2)
Banking industry (1/2) 1 Deposit growth eased 2 Sustained loan growth supported by public sector YoY 87.6% 84.3% 85.4% LDR ** 83.2% 76.6% 78.1% YoY: -1.8% CASA ** YtD: 1.1% YtD: +3.9% Deposits ** 11.2% 10.9% Loan YoY** 10.5% YtD: +2.2% 9.9% YtD: +3.6% 9.3% M2 YtD: +2.8% 4.9% 2021 2022 2023 2024 2025
Slide 8: Banking industry (2/2)
Banking industry (2/2) 5 Ytd, loan yield declined faster than cost of funds 5 6 Banking sector saw weaker NIM 9.05% 8.94% 8.71% 8.53% 8.63% Loan Yield 8.11% YoY: -0.49% 4.92% YtD: -0.52% 4.80% 4.72% Industry NIM 4.63% YoY: -0.04% 2.85% 2.80% Deposits CoF 4.56% 4.52% 2.46% 2.43% YoY: -0.48% YtD: -0.0
Slide 9: 1H26 Performance Overview
1H26 Performance Overview Banking Industry Updates 1H26 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 1H26 Economic Highlights PT Bank Central Asia Tbk 9 Overview & ESG & Awards
Slide 10: CASA grew 10.2% YoY, loans increased 8%
CASA grew 10.2% YoY, loans increased 8% Consolidated (Rp tn) Jun-25 Dec-25 Mar-26 Jun-26 YoY YtD QoQ Total Assets 1,504 1,587 1,641 1,661 10.4% 4.6% 1.2% Secondary Reserves & 433 477 524 511 18.1% 7.2% -2.5% Marketable Securities Loans 959 993 994 1,036 8.0% 4.3% 4.2% Third Party Funds 1,190 1
Slide 11: Positive PPOP growth
Positive PPOP growth Consolidated (Rp tn) 1H-25 1H-26 YoY 1Q-26 2Q-26 QoQ Operating Income 54.6 55.8 2.2% 27.8 28.0 0.8% Net Interest Income 42.6 42.4 -0.6% 21.1 21.3 1.3% Non Interest Income 11.9 13.2 11.0% 6.6 6.6 -1.0% Fees and Commissions 9.9 11.0 11.2% 5.5 5.5 -0.2% Trading Income 1.7 1.8 6
Slide 12: Key Ratios
Key Ratios Bank Only 1H-25 1H-26 YoY 1Q-26 2Q-26 QoQ Risk Adjusted NIM* 5.3% 4.8% -0.5% 4.8% 5.0% 0.2% NIM 5.8% 5.3% -0.5% 5.4% 5.3% -0.1% CoC (gross) 0.5% 0.5% 0.0% 0.6% 0.4% -0.2% CoC (after recovery) 0.4% 0.3% -0.1% 0.4% 0.2% -0.2% Cost to Income 29.1% 29.3% 0.2% 27.3% 31.7% 4.4% ROA 4.1% 3.8
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 Dec-25 Jun-26 YoY YtD QoQ 992.9 993.8 1,035.6 959.3 944.1 Corporate 481.4 513.4 13.6% 6.7% 6.1% 48.2% 48.7% 49.6% 47.1% 46.3% Commercial 144.3 153
Slide 14: Corporate loan growth supported by investment loans
Corporate loan growth supported by investment loans 1 Investment Loan Facilities and Utilization Rate 2 Working Capital Loan Facilities and Utilization Rate • Utilization continue grow • Utilization rate at 69% Utilization 69% 69% Rate (%) 80% 78% 80% 81% 82% Utilization Rate (%) 68% 66% 64% Facilit
Slide 15: SME loans rose 6.0% YoY, stable utilization rate
SME loans rose 6.0% YoY, stable utilization rate 1 BCA vs Industry SME Loan Growth (YoY) 2 BCA SME Loan Facilities and Utilization Rate 64% 64% 64% 64% Utilization Rate (%) 11.1% 63% 7.6% 6.0% BCA 5.6% 5.4% 210 Loan Facilities (Rp tn) 203 206 206 YoY: +5.8% 5.8% 198 Ytd: +2.1% 3.8% 3.2% Industry QoQ
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) 8.4% 6.4% 5.0% 5.2% 4.8% BCA 12.2 10.5 11.1 9.8 9.2 7.6% 8.2 8.7 8.7 8.6 8.5 6.0% 4.8% Industry Ex. 3.7% New Booking 3.0% Subsidized* Run Off 3.1% 3.3% 3.1% 3.2% 3.4% NPL Ind
Slide 17: Auto loans: strategic playbook amidst industry dynamics
Auto loans: strategic playbook amidst industry dynamics 1 BCA vs Industry – Car Sales (in unit) 2 BCA Auto Loan New Booking and Runoffs (Rp tn) YoY Growth 22.0% Industry 10.3 10.2 10.4 8.6 9.2 9.2 7.0% 1.0% -11.0% BCA*** 6.6 6.1 5.8 6.3 -10.0% -14.0% New Booking -38.0% -45% -46.0% Run Off -56.0% 2.5
Slide 18: Consolidated LAR stood at 4.9%
Consolidated LAR stood at 4.9% 1 Loan at Risk (LAR) (Rp tn) 2 LAR (Consolidated, Rp tn) Consolidated Dec-25 Jun-26 ∆YoY ∆YtD ∆QoQ 5.8% 5.5% 4.8% 5.1% 4.9% LAR Ratio Current Restruct. 12.4 11.6 -9.6% -6.5% -4.4% Special Mention 17.8 19.5 -7.6% 9.4% 1.1% 54.0 51.1 46.7 49.2 49.9 LAR O/S NPL 16.5 18.8
Slide 19: Solid CASA & investment performance
Solid CASA & investment performance 1 Third Party Fund Composition (Rp tn) 2 Third Party Funds (Rp tn) Savings Current Accounts Time Deposits Consolidated Dec-25 Jun-26 YoY YtD QoQ 1,249.0 1,292.4 1,284.1 1,189.8 1,204.7 16.3% 15.7% 15.7% 17.5% 17.1% CASA 1,045.2 1,082.3 10.2% 3.5% -0.6% 34.8%
Slide 20: Transaction volume rose 60% in years
Transaction volume rose 60% in 3 years End-to-end Supply Chain No. of Customers Supplier Principal Large-sized Distributor Mid-sized Distributor Retailer End customer 32.9 mn +9% in 3 yrs 1 Online Business Banking 2 Merchant Point-of-Sales (POS) 3 Two Leading & Merchant Mobile Banking Apps Apps Virt
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 Value myBCA - No. of users ↑24x in 4 years (+53% YoY) 51% myBCA - Trx Volume ↑27x in 4 years 93% (+45% YoY) myBCA - Trx Value Rp ↑15x in
Slide 22: Elevating mobile banking experience through feature enrichments
Elevating mobile banking experience through feature enrichments Forex & Rupiah Pockets (Sub Accounts) myBCA Language Options Integration with Subsidiaries Available in 3 languages: Bahasa Indonesia, One-stop convenient access thru myBCA English, and Mandarin ✓ Purchase insurance (life, travel, prope
Slide 23: Comprehensive solutions for business banking
Comprehensive solutions for business banking B2B2C B2C One Stop Solution for businesses with beyond banking capabilities: Constantly Expanding the Acceptance Ecosystem accounting solution, tax, human resource and others An integrated platform of banking EDC BCA “Accept a wide-range of payment” servi
Slide 24: AI Deliverables
AI Deliverables Customer Acquisition Operational Excellence Improvement in Business Performance New customer on-boarding with AI Financial Document Processing for Lending & Funding 1 ±4 Minutes 6 40% vs manual process Profit in Wealth Product with AI Profiling Down from 8 mins New API acquisition le
Slide 25: Investing in AI Responsibly across Organization
Investing in AI Responsibly across Organization Solid governance in AI; Discipline in Data Governance & Sovereignty On-premise LLM Certifications On-premise Large Learning Machine (LLM) to reduce dependency on cloud provider, achieve data ISO 42001:2023 for AI Management System sovereignty by design
Slide 26: Transformation of offline channels to boost productivity
Transformation of offline channels to boost productivity ~64% of total branch trx done via machines 19% (vs 3 Yr ago) ~84% of total branch trx done via pre-filled forms prior arriving at branches using eBranch app 26% (vs 3 Yr ago) (1H26) • Cash Deposit Machine • Cash Withdrawal assisted counter ~Rp
Slide 27: Sustainable Finance and ESG
Sustainable Finance and ESG • Economic Aspect • Environment • Social • Governance Banking Industry Updates 1H26 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 1H26 Economic Highlights PT Bank Central Asia Tbk 27 Overview & ESG & Awards
Slide 28: Sustainable Financing grew 11.4% YoY
Sustainable Financing grew 11.4% YoY Sustainable Financing portfolio Outstanding (Rp Trillion) Managing ESG risk through Exposure to Growth Sectors : Sectoral-Loan Policies 25.9% YoY of total 267 11.4% Renewable Rp7.7 tn Rp4.0 tn 255 Palm Oil EV financing portfolio 229 240 Energy ↑82% yoy ↑25% yoy 2
Slide 29: Responsible Operations: Live to Impact
Responsible Operations : Live to Impact Managing Operational Emission Empowering Communities Maintaining IT Resilience Energy efficiency program (kWh/m2/year) Quality education for young generation Strong IT Governance Energy intensity ↓18% In 2 years Bakti BCA scholarship BCA Berbagi Ilmu Board lev
Slide 30: Share Data, Ratings & Awards
Share Data, Ratings & Awards Banking Industry Updates 1H26 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 1H26 Economic Highlights PT Bank Central Asia Tbk 30 Overview & ESG &Awards
Slide 31: BCA share performance & rating
BCA share performance & rating BCA Shareholding Structure (30 June 2026) Performance BBCA vs IDX Finance Index Number Ownership (Relative price up to 27 Jul 2026, compared against 1 Jan 2018) 148.9% of Shares Percentage 150% 135.7% PT Dwimuria Investama Andalan* 67,729,950,000 54.94% 130% 126.0% Pub
Slide 32: Selected awards and recognitions (2026)
Selected awards and recognitions (2026) Best Bank Forbes Fortune Southeast Asia Tempo & Statista LinkedIn World’s Best Bank 2026 Fortune Southeast Asia 500 Tempo Indonesia’s Best Employee LinkedIn Award 2025 • #1 World’s Best Bank in • #39 Fortune Southeast Asia 2026 • Best employer brand (10,000+ I
Slide 33: 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 Jun 2026 (tida k diaudit) PT Bank Central Asia Tbk Financial Statements 1H26 PT Bank Central Asia Tbk 1H26 Results 23 April 2026 23 Apri l 2
Slide 34: 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 35: Thank You
Thank You