PT Bank Central Asia Tbk : 1Q26 Presentasi Perusahaan

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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 4 Oil 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: Bloomberg 8 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 Jul/25 Oct/25 Jan/26 Apr/26 Analyst Meeting 1Q26 Source: BI *) until 21 Apr 26 Source: Bloomberg, BI PT Bank Central Asia Tbk 5 Banking Industry Updates Economic Highlights Banking Industry Updates 1Q26 Performance Overview Sustainable Finance & ESG Share Data, Ratings & Awards 2 Banking industry (1/2) 1 Saw stronger deposit trend over the past 3 quarters Loan growth continued to ease YoY 18.0% 14.0% 12.0% 12.9% 13.7% 13.6% CASA 13.0% YtD: -0.3% Deposits 76.6% 78.1% 83.2% 87.6% 84.3% 83.7% LDR YoY: -2.9% YtD: -0.6% 9.0% 8.4% 3.8% 4.9% 4.8% 9.6% 8.7% M2 3.5% 3.3% 4.3% 2021 2022 2023 2024 2025 Feb-26 12.7% YtD: +0.3% YoY 11.1% 10.5% 9.9% 9.3% 9.0% Loan YtD: -0.4% 4.9% YtD: -0.4% Source: BI (SEKI) 2021 2022 2023 2024 2025 Feb-26 Source: BI (SEKI) 3 Private co, gov't and state enterprises led deposit growth Individual investments: Shifting preference toward Gold 4 in Rp trillion 8,525 8,892 10,108 15% 10,136 Total Deposits % YoY 43.8% 50.1% 48.2% Public asset allocation (% of income) 47.6% 44.2% 41.3% Gold/Jewelry 8,216 7,538 12% 12% 39% 12% 39% 11% 43% 44% 15% 44% 40.2% 15.7% SOE & Gov't Private Co. 20.1% 21.8% 27.3% 29.4% 36.8% 37.9% Saving 37% 51% 49% 49% 46% 41% 41% 2.4% Individuals 17.7% 13.3% 15.2% 12.1% 13.8% 12.5% 12.3% 13.9% 6.6% 7.2% 5.1% 4.8% Property Others Equity/ 2021 2022 2023 2024 2025 Feb-26 3.2% 2.8% 4.2% 3.3% 1.6% 2.1% Mutual Funds Source: BI (SEKI) 2021 2022 2023 2024 2025 Feb-26 Source: BI (Customer Expectation Survey) Banking industry (2/2) 5 Loan yield declined faster than cost of funds 6 Banking sector saw NIM pressure 5 8.71% 8.53% 9.05% 8.94% 8.63% 8.06% Loan Yield YoY: -0.95% YtD: -0.57% 4.80% 4.92% 4.72% 2.02% 1.70% 2.46% 2.85% 2.80% 2.42% Deposits CoF YoY: -0.42% YtD: -0.38% 4.63% 4.56% 4.47% Industry NIM YoY: -0.01% YtD: -0.09% 2021 2022 2023 2024 2025 Feb-26 2021 2022 2023 2024 2025 Feb-26 Source: OJK (SPI) Source: OJK (SPI) 7 Nominal NPL on the rise 8 Higher NPL & SML drove LAR increase 3.0% 173 2.4% 2.4% 2.1% 2.1% 2.2% 186 168 176 157 163 NPL Ratio NPL Abs. YoY: +7.1% YtD: +5.6% 19.5% 1,124 14.1% 903 10.9% 9.3% 8.8% 9.2% 776 726 753 791 LAR Ratio LAR Abs. YoY: +3.4% YtD: +5.0% 2021 2022 2023 2024 2025 Feb-26 2021 2022 2023 2024 2025 Feb-26 Source: OJK (SPI) Source: OJK (SPI) 1Q26 Performance Overview Economic Highlights Banking Industry Updates 1Q26 Performance Overview Sustainable Finance & ESG Share Data, Ratings & Awards Consolidated (Rp tn) Mar-25 Dec-25 Mar-26 Strong CASA growth of 11.2% YoY, loans rose 5.6% Total Assets 1,534 1,587 1,641 Secondary Reserves & Marketable Securities 462 477 524 Loans 941 993 994 Third Party Funds 1,193 1,249 1,292 CASA 979 1,045 1,089 Current Accounts 383 434 452 Savings Accounts 597 611 637 Time Deposits 214 204 203 Equity 246 281 259 ▲ YoY ▲ QoQ 7.0% 3.4% 13.3% 9.9% 5.6% 0.1% 8.3% 3.5% 11.2% 4.2% 18.1% 4.0% 6.8% 4.3% -5.1% -0.2% 5.2% -7.9% 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 0.2 19.8% 0.3 -39.7% Gain (Loss) on Loan Sale - - n.a (0.1) -100.0% Net Insurance Income * 0.0 0.1 n.a 0.0 121.9% Operating Expenses 8.5 8.5 0.1% 10.4 -17.9% Manpower 4.9 4.7 -3.0% 4.3 9.9% General & Administrative 3.6 3.8 4.4% 6.1 -37.7% PPOP (Pre-Provision Operating Profit) 18.4 19.3 4.8% 18.1 6.6% Provision incl. Loan Recoveries 1.0 1.2 22.5% 0.5 151.5% Provision 1.0 1.2 22.5% 0.8 45.0% Reversal on Loan Sale - - - (0.4) -100.0% Net Profit 14.1 14.7 3.8% 14.1 3.8% *) IFRS 17 effective in Dec-25 Key Ratios Bank Only 1Q-25 4Q-25 1Q-26 Risk Adjusted NIM* 5.3% 5.2% 4.8% NIM 5.8% 5.6% 5.4% COC 0.5% 0.4% 0.6% Cost to Income 28.5% 35.9% 27.3% ROA 4.3% 3.6% 4.1% ROE 26.2% 21.0% 25.1% CAR 26.6% 29.8% 27.0% CASA to Total Funding 82.9% 84.6% 85.2% LDR 76.1% 76.8% 74.1% NSFR 156.3% 158.8% 159.9% LCR 300.5% 310.8% 305.7% ECL to Total Loans 3.6% 3.1% 3.1% NPL - gross 2.0% 1.7% 1.8% NPL Coverage 180.1% 183.8% 174.6% LAR 6.0% 4.8% 5.1% LAR Coverage (incl. off B/S) 66.5% 71.6% 69.7% *) Risk Adjusted NIM = NIM - COC ▲ YoY ▲ QoQ -0.5% -0.4% 0.1% -1.2% -0.2% -1.1% 0.4% 2.3% -2.0% 3.6% 5.2% -0.5% -0.2% -5.5% -0.9% 3.2% -0.4% -0.2% 0.2% -8.6% 0.5% 4.1% -2.8% 0.6% -2.7% 1.1% -5.1% 0.0% 0.1% -9.2% 0.3% -1.9% 2 Business segment driving loan growth 1 Loan Composition by Segment (Rp tn) ▲ YoY ▲ QoQ 9.1% 0.5% 5.7% 0.6% 5.4% 0.2% -2.0% -1.3% 5.2% 0.1% -19.7% -4.8% 6.8% -0.8% 20.2% 0.3% 5.6% 0.1% 7.0% 1.1% 6.3% 3.4% Consumer SME Commercial Corporate 47.1% 47.1% 46.3% 48.2% 48.7% 15.5% 13.3% 15.9% 13.3% 16.1% 13.8% 15.8% 13.3% 15.6% 13.3% 24.1% 23.7% 23.8% 22.7% 22.4% Corporate 443.4 481.4 483.8 Commercial 137.4 144.3 145.2 SME 124.5 130.9 131.1 Consumer 225.9 224.2 221.4 - Mortgages 135.3 142.3 142.4 - Vehicles 67.1 56.6 53.9 - Personal Loans 23.5 25.3 25.1 941.4 959.3 944.1 992.9 993.8 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Loan by Segment (Rp tn) Consolidated Mar-25 Dec-25 Mar-26 Loan by Top Sector (Rp tn) 3 213.7 21.5% 2.7% 0.2% 195.1 19.6% 3.6% 0.2% 160.2 16.1% -3.0% -1.2% Sharia Financing 11.0 13.2 13.2 Manuf. Trading Household % Compo % YoY % QoQ Biz. Services 143.8 14.5% 7.5% -0.8% Transport. 76.0 7.6% 14.2% -1.6% Construction 44.2 4.4% 7.8% 1.1% Agriculture 42.7 4.3% 5.7% -1.3% Total O/S Loans 941.2 992.9 993.8 Total Facilities 1,366.0 1,445.1 1,461.7 Average Loan 925.6 943.0 984.4 2 Working Capital Loan Facilities and Utilization Rate Corporate loans grew 9.1% YoY 1 Investment Loan Facilities and Utilization Rate Utilization continue grow Utilization rate at 65% 81% 80% 78% 80% 81% Utilization Rate (%) 68% 69% 64% 68% 65% Utilization Rate (%) 324 330 305 284 293 Facilities (Rp tn) YoY: +16% QoQ: +2% 314 315 315 328 330 Facilities (Rp tn) YoY: +5% QoQ: +1% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 3 Corporate Loans by Use Investment loans accelerated 4 4 4 Corporate loan sectors (% contribution to total corporate loans) Manuf. (26%) Biz. Services (24%) Transport. (11%) Trading (9%) Utilities (8%) Mining (7%) Construction (7%) Agriculture (7%) OS (Rp tn) YoY: +9% 443 479 484 QoQ: 1% 45% 46% 48% 52% 55% 54% Investment YoY: +17% QoQ: +3% Mar-25 Dec-25 Mar-26 Working Capital YoY: +1% QoQ: -3% 2 SME loans rose 5.4% YoY 1 BCA vs Industry SME Loan Growth (YoY) BCA SME Loan Facilities and Utilization Rate 12.9% 11.1% 7.7% 5.7% 5.4% 5.2% 5.8% 3.8% 3.2% BCA 63% 64% 64% 64% 63% Utilization Rate (%) -1.0% Industry ex micro* 4.6% 4.7% 4.7% 4.6% 4.9% NPL Industry SME ex micro* 206 206 Loan Facilities (Rp tn) YoY: +5% QoQ: +0% 197 198 203 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 *) Industry Feb-26. Source OJK (SPI) Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 3 Customer base increased 46% over the last 4 years Preserving asset quality for sustainable growth BCA SME Loan by Region and YoY O/S Growth Multipurpose Business Loan Easy solutions for various business needs Apply Now Jakarta Java Ex. Jakarta Ex. Java 38.5% 36.0% 25.5% Loan by region 1Q-26 OS YoY Growth +5.3% +6.3% +3.9% 2 Mortgages new booking grew 10.2% YoY 1 BCA vs Industry Mortgages Growth (YoY) BCA Mortgages New Booking and Runoffs (Rp tn) 10.5% 8.8% 8.4% 7.6% 6.4% 5.0% 5.2% BCA Industry Ex. 10.5 9.8 7.8 8.0 8.2 8.7 8.7 8.6 8.5 12.2 6.0% 2.9% 3.1% 3.3% 3.1% 3.3% 4.8% Subsidized* NPL Industry ** New Booking Run Off Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 *) Source: Total OS mortgage of selected Top 12 Players (IMBA Data), excluding BTN's subsidized loans. **) NPL Industry Feb-26. Source OJK (SPI) 1Q-25 2Q-25 3Q-25 4Q-25 1Q-26 3 webform.bca.co.id BCA Mortgages by Region - Positive Growth Jakarta Java Ex Jakarta Ex Java 54.5% 31.4% 14.2% OS Loan by region 1Q-26 YoY OS Growth +5.4% +3.9% +7.5% 2 Auto loans: prudent strategies in navigating industry dynamics 1 BCA vs Industry - Car Sales (in unit) YoY Growth -6.0% BCA Auto Loan New Booking and Runoffs (Rp tn) -9.0% -11.0% -14.0% 7.0% 1% Industry -38.0% -56.0% -46.0% -45% BCA 2.2% 2.2% 2.5% 2.7% 2.5% NPL Industry ** New Booking Run Off 12.0 10.5 10.3 10.2 10.4 8.6 9.2 6.1 5.8 6.3 1Q25 2Q25 3Q25 4Q25 1Q26 *) Industry: Car Sales Data (retail sales), Gaikindo **) NPL Industry Feb-26. Source OJK (SPI) 1Q-25 2Q-25 3Q-25 4Q-25 1Q-26 Note: Numbers are adjusted due to BCAF & BCAMF merger 3 BCA Auto Loan New Booking by Region Jakarta Java Ex. Jakarta Ex. Java 36.7% 44.1% 19.2% New booking by region 1Q-26 YoY Growth -36.0% -49.2% -60.7% Consolidated LAR stood at 5.1% 1 Loan at Risk (LAR) (Rp tn) 2 LAR (Consolidated, Rp tn) 6.0% 5.8% 5.5% Consolidated Mar-25 Dec-25 Mar-26 ∆YoY ∆QoQ Current Restruct. 16.9 12.4 12.1 -28.3% -2.0% Special Mention 19.9 17.8 19.2 -3.5% 7.8% NPL 18.7 16.5 17.8 -4.7% 8.2% Total LAR 55.5 46.7 49.2 -11.4% 5.3% LAR Ratio 6.1% 4.8% 5.1% -1.0% 0.2% LAR Coverage 66.5% 72.0% 69.9% 3.4% -2.1% 55.1 24.8% 13.3% 17.1% 43.5% 4.8% 5.1% LAR Ratio 54.0 51.1 46.7 49.2 LAR O/S 28.6% 30.7% 29.7% 31.2% Consumer 15.2% 15.6% 14.2% 15.5% SME 17.2% 16.7% 15.7% 17.2% Commercial 37.8% 35.7% 38.9% 34.7% Corporate Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 3 Special Mention (Consolidated, Rp tn) 4 NPL (Consolidated, Rp tn) 2.1% 2.2% 2.1% 1.8% 1.9% 19.9 21.1 19.8 17.8 19.2 SML Ratio SML O/S 2.0% 2.1% 2.1% 1.7% 1.8% 18.7 20.3 19.3 16.5 17.8 NPL Ratio NPL O/S 49.9% 20.2% 13.8% 16.1% 49.9% 24.0% 13.8% 12.2% 49.1% 23.2% 13.1% 14.6% 48.0% 23.0% 14.4% 14.6% 50.8% 23.4% 15.4% 10.4% ≤ 7 Days 8 - 30 Days 31 - 60 Days > 60 Days 22.5% 15.6% 21.0% 40.0% 24.1% 16.8% 21.1% 37.0% 26.0% 18.3% 21.7% 33.0% 24.0% 17.4% 18.5% 38.9% 25.3% 18.2% 20.0% 35.1% Consumer SME Commercial Corporate Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 2 Strong growth in CASA & investment 1 Third Party Fund Composition (Rp tn) Savings Current Accounts Time Deposits 16.3% 15.7% 32.1% 32.4% 33.5% 34.8% 35.0% 50.0% 50.1% 49.4% 48.9% 49.3% 1,193.4 1,189.8 1,204.7 17.9% 17.5% 17.1% 1,249.0 1,292.4 3 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 84.3% Third Party Funds (Rp tn) 3 Total Asset Under Management (AUM) (Rp tn) 139 199 268 313 319 AUM Consolidated Mar-25 Dec-25 Mar-26 ▲ YoY ▲ QoQ CASA 979.2 1,045.2 1,089.1 11.2% 4.2% Current Accounts 382.6 434.5 452.0 18.1% 4.0% Savings Accounts 596.6 610.8 637.0 6.8% 4.3% Time Deposits 214.2 203.8 203.3 -5.1% -0.2% Third Party Funds 1,193.4 1,249.0 1,292.4 8.3% 3.5% Third Party Funds + AUM 1,402.0 1,561.9 1,611.0 9.4% 3.1% Average CASA 940.7 980.5 1,063.5 13.1% 8.5% Average CA 373.0 396.0 447.9 20.1% 13.1% Average SA 567.7 584.5 615.6 8.4% 5.3% (14% YoY) Bonds (11% YoY) Mutual Funds (56% YoY) Transaction volume rose 61% in 3 years Supplier Principal Large-sized Distributor Mid-sized Distributor Retailer End customer End-to-end Supply Chain No. of Customers 34.5 mn 1 Online Business Banking 2 Merchant Point-of-Sales (POS) & Merchant Apps 3 Two Leading Mobile Banking Apps Virtual Account BCA Host-to-Host Payment Settlement Next Gen Classic API BCA Mobile Apps Mobile Apps Powered by Integrated and Trusted 4 1,270 Branches 5 Cash Deposit & Withdrawal Machines 6 24/7 Contact Center Channels +18% in 3 yrs Digital Transactions contributed 99.8 % of total transaction volume 26

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