Pt Bank Central Asia Tbk · IDX:BBCA
Pt Bank Central Asia Tbk — 9M26 Earnings Presentation
36 slides from Pt Bank Central Asia Tbk's earnings presentation, Oct 27, 2026
Slide 1: PT Bank Central Asia Tbk 9M26 Results
PT Bank Central Asia Tbk 9M26 Results 27 October 2026
Slide 2: Agenda
Agenda • Economic Highlights • Banking Industry Updates • 9M26 Performance Overview • Sustainable Finance and ESG • Share Data, Ratings & Awards Analyst Meeting 9M26 PT Bank Central Asia Tbk 2
Slide 3: Economic Highlights
Economic Highlights 9M26 Performance Sustainable Finance Share Data, Ratings Economic Highlights Banking Industry Updates Analyst Meeting 9M26 Overview & ESG & Awards PT Bank Central Asia Tbk 3
Slide 4: Economic Highlights (1/2)
Economic Highlights (1/2) Always by your side 1 Business transactions move sideways in the last 12-m 2 Consumer spending flattens since early 2026 150 Index (Jan-25 = 100) 130 Index (Jan-25 = 100) 2024 2025 2026 2024 2025 2026 125 140 120 130 126.3 115 120 110 105.8 118.7 105 110 104.3 100 100 95 99
Slide 5: Economic Highlights (2/2)
Economic Highlights (2/2) Always by your side 5 Outflows from stock countervailed by fixed income inflows 6 Recent equities volatility has weakened Rupiah Monthly net foreign inflows / outflows USD/IDR 30 IDR Trillion 18500 15 18000 18043 22.4 15.3 0.3 13.4 -5.3 14.8 0.1 6.8 0 17500 -9.9 1.1 2.5 -11
Slide 6: Banking Industry Updates
Banking Industry Updates Banking Industry Updates 9M26 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 9M26 Economic Highlights PT Bank Central Asia Tbk 6 Overview & ESG & Awards
Slide 7: Banking industry (1/2)
Banking industry (1/2) 1 Loans outgrew deposits 2 Investment loans as the growth driver YoY Growth YoY Growth Loans 23.4% Investment Loan 13.3% Loan growth driven by Public sector +29.8% YoY, 11.2% 10.5% 9.9% 13.7% Ytd: +6.6% 20.5% YtD: 9.5% while Private & Indiv grew 11.8% 9.3% Deposits 9.0% 10.7%
Slide 8: Banking industry (2/2)
Banking industry (2/2) 5 Loan yield & CoF are picking up 8 Profitability trend 9.05% 8.94% 8.53% 8.63% ROE* Loan Yield 7.93% YoY: -0.9% 14.6% YoY: +0.3% 7.88% 14.3% YtD: +0.3% YtD: -0.7% 14.2% 14.0% Aug-26 vs Jul-26: +0.04% 2.85% 2.80% 2.46% 2.47% 2.52% Deposits CoF 13.3% YoY: -0.4% 2.2% ROA* YtD: -
Slide 9: 9M26 Performance Overview
9M26 Performance Overview Banking Industry Updates 9M26 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 9M26 Economic Highlights PT Bank Central Asia Tbk 9 Overview & ESG & Awards
Slide 10: Loans accelerated in 3Q, growing 12.6% YoY. CASA rose 10.4% YoY.
Loans accelerated in 3Q, growing 12.6% YoY. CASA rose 10.4% YoY. Consolidated (Rp tn) Sep-25 Dec-25 Jun-26 Sep-26 YoY YtD QoQ Total Assets 1,539 1,587 1,661 1,642 6.7% 3.4% -1.1% Secondary Reserves & 475 477 511 462 -2.8% -3.2% -9.7% Marketable Securities Loans 944 993 1,036 1,063 12.6% 7.1% 2
Slide 11: PPOP grew 5.1% on quarter, driven by improving net interest income
PPOP grew 5.1% on quarter, driven by improving net interest income Consolidated (Rp tn) 9M-25 9M-26 YoY 2Q-26 3Q-26 QoQ Operating Income 82.9 85.3 2.9% 28.0 29.5 5.1% Net Interest Income 64.1 64.9 1.2% 21.3 22.5 5.2% Non Interest Income 18.7 20.1 7.6% 6.6 6.9 5.2% Fees and Commissions 15.1 16.6
Slide 12: Key Ratios
Key Ratios Bank Only 9M-25 9M-26 YoY 2Q-26 3Q-26 QoQ Risk Adjusted NIM* 5.4% 5.1% -0.3% 5.1% 5.3% 0.2% NIM 5.8% 5.4% -0.4% 5.3% 5.6% 0.3% CoC (gross) 0.5% 0.4% -0.1% 0.4% 0.4% 0.0% CoC (after recovery) 0.4% 0.3% -0.1% 0.2% 0.2% 0.0% Cost to Income 29.2% 29.7% 0.5% 31.7% 31.1% -0.6% ROA 4.0% 3.8%
Slide 13: Strong growth in business loans
Strong growth in business loans 1 Loan Composition by Segment (Rp tn) 2 Loan by Segment (Rp tn) Consumer SME Commercial Corporate 1,063.1 Consolidated Dec-25 Sep-26 YoY YtD QoQ 993.8 1,035.6 992.9 944.1 Corporate 481.4 528.1 20.9% 9.7% 2.9% 49.6% 49.7% 46.3% 48.2% 48.7% Commercial 144.3 154.1
Slide 14: Corporate loans rose both in investment and working capital by ~20%YoY
Corporate loans rose both in investment and working capital by ~20%YoY 1 Investment Loan Facilities and Utilization Rate 2 Working Capital Loan Facilities and Utilization Rate • Average utilization at ~81% in 2026 • Utilization rate picked up to 72% 78% 80% 81% 82% 80% Utilization Rate 72% Utilizati
Slide 15: SME loans grew 15.4% YoY
SME loans grew 15.4% YoY 1 BCA vs Industry SME Loan Growth (YoY) 2 BCA SME Loan Facilities and Utilization Rate 15.4% BCA 64% 64% 63% 64% 7.6% 63% Utilization Rate (%) 5.6% 5.4% 6.0% 149 OS Loan (Rp tn) 129 131 131 135 YoY: +15.4% 3.8% 3.2% Ytd: +14.0% Industry 1.2% QoQ: +10.8% 0.1% 0.7% ex micro* 4
Slide 16: Mortgages rose 3.6% YoY
Mortgages rose 3.6% YoY 1 BCA vs Industry Mortgages Growth (YoY) 2 BCA Mortgages New Booking and Runoffs (Rp tn) 12.2 6.4% 11.1 5.0% 5.2% 4.8% 9.8 3.6% BCA 8.7 8.7 8.6 9.2 9.1 8.5 8.0 New Booking 6.0% Run Off 4.8% Industry Ex. 3.7% 3.0% Subsidized* 3.3% 3.1% 3.2% 3.3% 3.4% NPL Industry ** Sep-25 Dec
Slide 17: Auto loans: sustained new booking in dynamic environment
Auto loans: sustained new booking in dynamic environment 1 BCA vs Industry – Car Sales (in unit) 2 BCA Auto Loan New Booking and Runoffs (Rp tn) YoY Growth 25% 22% Industry* 10.2 10.4 7% 9.2 9.2 9.2 1.0% BCA*** -14% 4% 6.6 6.6 6.1 5.8 6.3 -14% -45% New Booking -56% -46% Run Off 2.7% 2.4% 2.6% 2.6% 2
Slide 18: Consolidated LAR improved to 4.6%
Consolidated LAR improved to 4.6% 1 Loan at Risk (LAR) (Rp tn) 2 LAR (Consolidated, Rp tn) 5.5% Consolidated Dec-25 Sep-26 ∆YoY ∆YtD ∆QoQ 5.1% 4.8% 4.9% 4.6% LAR Ratio Current Restruct. 12.4 11.2 -6.8% -9.9% -3.6% 51.1 46.7 49.2 49.8 48.4 LAR O/S Special Mention 17.8 18.5 -6.5% 3.9% -5.1% 30.7% 29.7
Slide 19: CASA grew double digit. Investment AUM more than doubled in 4 years.
CASA grew double digit. Investment AUM more than doubled in 4 years. 1 Third Party Fund Composition (Rp tn) 2 Third Party Funds (Rp tn) Savings Current Accounts Time Deposits Consolidated Dec-25 Sep-26 YoY YtD QoQ 1,292.4 1,284.1 1,301.3 1,204.7 1,249.0 15.7% 15.7% 15.2% CASA 1,045.2 1,103.2 1
Slide 20: Transaction volume rose 57% in years, led by mobile banking
Transaction volume rose 57% in 3 years, led by mobile banking End-to-end Supply Chain No. of Customers Supplier Principal Large-sized Distributor Mid-sized Distributor Retailer End customer 1 Online Business Banking 2 Merchant Point-of-Sales (POS) 3 Two Leading 33.3 mn & Merchant Mobile Banking Apps
Slide 21: 51% of customer mobile transactions are now done in myBCA app
51% of customer mobile transactions are now done in myBCA app BCA myBCA mobile Since myBCA’s transaction value has surpassed BCA Mobile’s Since 2011 2021 Comp % to Total Mobile Banking Trx Value myBCA - No. of users ↑23x in 4 years (+51% YoY) 49% myBCA - Trx Volume ↑25x in 4 years (+40% YoY) 92% myB
Slide 22: Enhancing mobile banking experience for customers
Enhancing mobile banking experience for customers Forex & Rupiah Pockets (Sub Accounts) Gold Savings Account Language Options Gacha Gaming Transaction and balance Customers can Buy and Added Mandarin based loyalty program Sell Gold directly via as an option Min. Trx Rp100k/ myBCA. Avg. Balance of Rp
Slide 23: Expanding features and solutions for business banking
Expanding features and 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 payme
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 On-premise Large Learning Machine (LLM) to reduce dependency on cloud provider, achieve data Certifications & Awards sovereignty by design, enhance data privacy control)
Slide 26: Transformation of offline channels to boost productivity
Transformation of offline channels to boost productivity ~67% of total branch trx done via machines 13% (vs 3 Yr ago) ~91% of total branch trx done via pre-filled forms prior arriving at branches using eBranch app 13% (vs 3 Yr ago) (9M26) • 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 9M26 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 9M26 Economic Highlights PT Bank Central Asia Tbk 27 Overview & ESG & Awards
Slide 28: Sustainable Finance grew 16.3% YoY
Sustainable Finance grew 16.3% YoY Sustainable Finance Portfolio Outstanding (Rp Trillion) Undertake opportunities to grow sustainable finance portfolio : Adding Responsible Lending policies to 26.4% following new sectors YoY of total Renewable Rp6.8 tn Rp3.9 tn (in addition to 5 existing sectors):
Slide 29: Financial Inclusion to drive economic resilience
Financial Inclusion to drive economic resilience Financial Inclusion Financial Literacy BCA consistently develops financial literacy and inclusion initiatives to reach 14.8 mn Low-cost & for unbankable, underbanked, and underserved communities. young generation, No of fin. inclusion individual entry
Slide 30: Responsible Operations : Live to Impact
Responsible Operations : Live to Impact Managing Operational Emission Creating Shared Value 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 leve
Slide 31: Share Data, Ratings & Awards
Share Data, Ratings & Awards Banking Industry Updates 9M26 Performance Sustainable Finance Share Data, Ratings Analyst Meeting 9M26 Economic Highlights PT Bank Central Asia Tbk 31 Overview & ESG &Awards
Slide 32: BCA share performance & rating
BCA share performance & rating BCA Shareholding Structure (30 September 2026) Performance BBCA vs IDX Finance Index Ownership (Relative price up to 13 Oct 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
Slide 33: Selected awards and recognitions (2026)
Selected awards and recognitions (2026) Best Bank Forbes Fortune Southeast Asia Brand Finance Asian Banking Finance World’s Best Bank 2026 Fortune Southeast Asia 500 World’s Strongest Banking Retail Banking Awards 2026 • #1 World’s Best Bank in • #39 Fortune Southeast Asia Brand 2026 • External Soci
Slide 34: 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 2026 (tidak diaudit) PT Bank Central Asia Tbk Financial Statements 9M26 PT Bank Central Asia Tbk 9M26 Results 23 April 2026 27 October 2
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