PT Bank Central Asia Tbk : 1Q26 Corporate Presentation

About this update from Pt Bank Central Asia Tbk

PT Bank Central Asia Tbk 1Q26 Results 23 April 2026 Agenda Economic Highlights Banking Industry Updates 1Q26 Performance Overview Sustainable Finance and ESG Share Data, Ratings & Awards Economic Highlights Economic Highlights Banking Industry Updates 1Q26 Performance Overview Sustainable Finance & ESG Share Data, Ratings & Awards Consumer spending has improved since 4Q25 2 1 Economic Highlights (1/2) Business transaction shows strong growth 175 165 155 145 135 BCA Business Transaction Index Index (May-24 = 100) 140.28* May 25 - Apr 26 135 125 115 Index (May-24 = 100) BCA Consumer Spending Index 113.12* May 25 - Apr 26 125 115 105 95 Source: Big Data BCA *) Until 17 Apr 26 105.06 May 24 - Apr 25 105 95 Source: Big Data BCA *) per 17 Apr 26 **) due to US tariff announcement and Lebaran break 86.86 85 85 May 24 - Apr 25** May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr 3 PMI eased, but still in expansive territory 56 50.1 Manufacturing PMI 53 50 47 44 53.8 60 45 30 15 0 -15 -30 Fuel subsidies to mitigate oil-price driven inflation Inflation (%)⮞ ⮜ Oil price* (YoY) 3.5 4Oil price growth and Inflation 43.7 Source: Bloomberg *) per 21 Apr 26 6 4.5 3 1.5 0 -1.5 Jan/24 Apr/24 Aug/24 Dec/24 Mar/25 Jul/25 Nov/25 Mar/26 Jan/24 Apr/24 Aug/24 Dec/24 Mar/25 Jul/25 Nov/25 Mar/26 Analyst Meeting 1Q26 Source: SnP global PT Bank Central Asia Tbk 4 Net foreign outflow stabilized recently 6 Economic Highlights (2/2) 5 Govt spending accelerated to spur growth in 1Q26 900 IDR Tn Central government revenue & expenditure (% of target) 150 24' & 25' average 21.2% 17.8% 18.2% 815 22.1% 18.4% 17.1% 19.6% 620 612 17.2% 620 575 516 75 600 300 0 IDR Tn ⮜ Net foreign flow from: Stocks Bonds -78.0 -141.7 -19.5 -57.2 Q1-24 Q1-25 Q1-26 0 -75 -150 -225 SRBI Source: Bloomberg8 Source: MoF Revenue Expenditure Jan '25 Apr '25 Jul '25 Oct '25 Jan '26 Apr '26 7 Rupiah weakened; FX reserve declined but still ample Rising yields due to Middle-East tension 160 150 Bn USD ⮜ FX reserves FX Reserve and USD/IDR USD/IDR ⮞ (inverted) 156.5 154.6 151.9 15,000 16,000 9 % ⮜ Yield of: SBN 10Y ◼ SRBI 1Y UST 10Y ◼ UST 1Y 7 SRBI gross issuance ⮞ 150 120 6.59 90 148.2 5.77 83 60 140 5 17,000 17144* (MtD) 4.28 30 3.70 130 Jan/24 Apr/24 Jul/24 Oct/24 Jan/25 Apr/25 Jul/25 Oct/25 Jan/26 Apr/26 18,000 3 - Jan/24 Apr/24 Jul/24 Oct/24 Jan/25 Apr/25 J...

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