PT Bank Central Asia Tbk : Financial Report June 2026

About this update from Pt Bank Central Asia Tbk

PT BANK CENTRAL ASIA Tbk & Subsidiaries STATEMENTS OF FINANCIAL POSITION As of June 30, 2026 & December 31, 2025 (In millions of Rupiah) No. ACCOUNTS INDIVIDUAL CONSOLIDATED Unaudited Jun 30, 2026 Audited Dec 31, 2025 Unaudited Jun 30, 2026 Audited Dec 31, 2025 ASSETS 1. Cash 21,041,023 25,275,044 21,065,925 25,305,031 2. Placement with Bank Indonesia 42,247,162 50,289,090 44,073,593 52,078,654 3. Placement with other banks 28,559,473 9,656,983 29,864,046 10,838,081 4. Spot and derivative/forward receivables 633,993 118,068 633,993 118,068 5. Securities 406,838,126 435,890,800 430,160,306 456,276,250 6. Securities sold under repurchase agreement (repo) 48,622,227 - 48,767,786 - 7. Claims on securities bought under reverse repo 1,435,564 4,430,617 2,016,814 5,286,449 8. Acceptance receivables 14,563,081 9,694,943 14,563,081 9,694,943 9. Loans and financing 1,003,728,384 961,903,505 1,022,048,832 979,699,732 10. Sharia financing - - 13,574,715 13,190,859 11. Equity investment 10,366,367 10,366,367 809,696 803,859 12. Other financial assets 14,670,184 12,284,298 16,893,634 14,324,382 13. Impairment on financial assets -/- (31,134,225) (30,144,220) (32,531,460) (31,597,199) a. Securities (414,659) (444,818) (519,666) (525,707) b. Loans and Sharia financing (30,351,441) (29,390,498) (31,638,005) (30,757,244) c. Others (368,125) (308,904) (373,789) (314,248) 14. Intangible assets 1,386,495 1,364,628 2,949,215 2,902,619 Accumulated amortization on intangible asset -/- (921,044) (832,702) (1,233,485) (1,123,847) 15. Fixed assets and equipment 39,555,419 38,772,810 41,223,404 40,354,254 Accumulated depreciation on fixed assets and equipment -/- (12,241,379) (11,195,391) (12,978,954) (11,880,570) 16. Non earning assets 2,314,143 2,336,435 2,353,130 2,393,506 a. Abandoned property 11,871 32,635 14,379 38,969 b. Foreclosed assets 2,072,802 2,200,083 2,109,280 2,250,820 c. Suspense accounts 56,914 11,024 56,915 11,024 d. Interbranch assets 172,556 92,693 172,556 92,693 17. Other assets 16,958,628 17,160,188 16,325,065 18,163,465 TOTAL ASSETS 1,608,623,621 1,537,371,463 1,660,579,336 1,586,828,536 PT BANK CENTRAL ASIA Tbk & Subsidiaries STATEMENTS OF FINANCIAL POSITION As of June 30, 2026 & December 31, 2025 (In millions of Rupiah) No. ACCOUNTS INDIVIDUAL CONSOLIDATED Unaudited Jun 30, 2026 Audited Dec 31, 2025 Unaudited Jun 30, 2026 Audited Dec 31, 2025 LIABILITIES AND EQUITIES LIABILITIES 1. Current account 440,676,211 431,029,026 444,493,072 434,453,871 2. Saving account 626,661,132 600,636,235 637,779,226 610,785,794 3. Time deposit 185,807,121 187,902,285 201,780,633 203,804,633 4. Electronic money 1,569,747 1,494,420 1,569,747 1,494,420 5. Liabilities to Bank Indonesia 577 577 799,951 577 6. Liabilities to other banks 4,189,419 4,038,232 4,097,323 3,980,717 7. Spot and derivative/forward liabilities 744,779 97,406 744,779 97,406 8. Liabilities on securities sold under repurchase agreement (repo) 48,142,847 - 48,288,845 - 9. Acceptance liabilities 7,628,599 4,733,862 7,628,599 4,733,862 10. Issued securities 65,000 65,000 906,907 165,000 11. Loans/financing received 1,256 1,525 1,072,089 2,046,859 12. Margin deposit 208,826 298,252 219,786 308,366 13. Interbranch liabilities 3,942 - 3,942 - 14. Other liabilities 31,421,891 35,416,878 40,526,691 43,269,476 15. Minority interest - - 230,203 221,077 TOTAL LIABILITIES 1,347,121,347 1,265,713,698 1,390,141,793 1,305,362,058 EQUITIES 16. Paid in capital 1,535,522 1,537,663 1,535,522 1,537,663 a. Capital 5,500,000 5,500,000 5,500,000 5,500,000 b. Unpaid capital -/- (3,959,062) (3,959,062) (3,959,062) (3,959,062) c. Treasury stock -/- (5,416) (3,275) (5,416) (3,275) 17. Additional paid in capital 2,255,257 3,562,129 2,036,207 3,343,079 a. Agio 2,255,257 3,562,129 2,255,257 3,562,129 b. Disagio -/- - - - - c. Fund for paid up capital - - - - d. Others - - (219,050) (219,050) 18. Other comprehensive income 6,739,010 8,809,980 6,760,587 9,047,491 a. Gains 11,229,763 13,156,614 11,400,480 13,490,877 b. Losses -/- (4,490,753) (4,346,634) (4,639,893) (4,443,386) 19. Reserves 4,268,903 4,268,903 4,268,903 4,268,903 a. General reserves 4,268,903 4,268,903 4,268,903 4,268,903 b. Appropriated reserves - - - - 20. Gain/loss 246,703,582 253,479,090 255,836,324 263,269,342 a. Previous years 253,496,685 233,974,939 263,286,937 243,327,102 b. Current Year 30,191,956 57,099,198 29,534,446 57,537,287 c. Dividends paid -/- (36,985,059) (37,595,047) (36,985,059) (37,595,047) TOTAL EQUITIES 261,502,274 271,657,765 270,437,543 281,466,478 TOTAL LIABILITIES AND EQUITIES 1,608,623,621 1,537,371,463 1,660,579,336 1,586,828,536 PT BANK CENTRAL ASIA Tbk & Subsidiaries STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME For the Periods Ended June 30, 2026 & 2025 (In millions of Rupiah) No. ACCOUNTS INDIVIDUAL CONSOLIDATED Unaudited Jun 30, 2026 Unaudited Jun 30, 2025 Unaudited Jun 30, 2026 Unaudited Jun 30, 2025 OPERATIONAL INCOME AND EXPENSES A. Interest income and expenses 1. Interest income 46,321,454 45,954,166 49,858,169 49,372,085 2. Interest expenses 6,687,125 6,202,627 7,253,606 6,729,004 Net interest income (expenses) 39,634,329 39,751,539 42,604,563 42,643,081 B. Insurace revenue and expense 1. Insurance revenue - - 1,052,367 1,215,874 2. Insurance expense - - 852,083 1,128,183 Net insurance revenue (expense) - - 200,284 87,691 C. Other operational income and expenses 1. Gains (losses) from increase (decrease) fair value on financial assets (255,164) 638,358 (351,680) 625,998 2. Gains (losses) from decrease (increase) fair value on financial liabilities - - - - 3. Gains (losses) on sale of financial assets 1,364,275 608,926 1,372,548 623,679 4. Gains (losses) on spot and derivatives/forward (realised) 910,651 636,315 910,106 636,353 5. Gains (losses) on investment under equity method - - - - 6. Gains (losses) from translation of foreign currency transactions (23,876) (137,441) 24,105 (126,822) 7. Dividend income 1,940,457 2,186,016 21,599 41,324 8. Commission/provision/fee and administration income 10,119,160 9,331,824 10,334,994 9,422,044 9. Other income 645,803 476,055 903,073 700,421 10. Addition (reversal) of impairment losses on assets 1,642,627 1,587,800 1,984,747 2,011,459 11. Losses on operational risk 246 2,729 246 2,729 12. Personnel expenses 8,155,449 8,097,183 8,966,359 9,074,154 13. Promotion expenses 522,657 466,199 646,497 638,715 14. Others expenses 7,041,949 6,910,379 7,810,516 7,178,390 Net Other Operational Income (Expenses) (2,661,622) (3,324,237) (6,193,620) (6,982,450) OPERATIONAL PROFIT (LOSS) 36,972,707 36,427,302 36,611,227 35,748,322 NON OPERATIONAL INCOME AND EXPENSES 1. Gains (losses) on sale of fixed assets and equipment (3,480) (2,904) (2,775) (2,130) 2. Other non operational income (expenses) (203,258) (83,832) (156,623) 47,467 NON OPERATIONAL PROFIT (LOSS) (206,738) (86,736) (159,398) 45,337 PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 36,765,969 36,340,566 36,451,829 35,793,659 Income tax 6,574,013 6,450,288 6,906,208 6,770,690 a. Estimated current year tax 6,302,930 5,955,531 6,680,506 6,305,926 b. Deferred tax income (expenses) (271,083) (494,757) (225,702) (464,764) NET PROFIT (LOSS) CURRENT PERIOD 30,191,956 29,890,278 29,545,621 29,022,969 NET PROFIT (LOSS) OF MINORITY INTEREST 11,175 6,555 OTHER COMPREHENSIVE INCOME 1. Items that will not be reclassified subsequently to profit or loss a. Revaluation surplus of fixed assets - - - - b. Gains (losses) from actuary benefit program - - - - c. Others - - - - 2. Items that will be reclassified subsequently to profit or loss a. Gains (losses) arising from translation of financial statements in foreign currency - - - (247) b. Gains (losses) from changes in fair value of financial assets- debt instruments measured through other comprehensive income (2,053,375) 908,108 (2,408,220) 1,006,573 c. Others - - 136,862 (1,385) OTHER COMPREHENSIVE INCOME CURRENT PERIOD AFTER TAX (2,053,375) 908,108 (2,271,358) 1,004,941 TOTAL COMPREHENSIVE PROFIT (LOSS) CURRENT PERIOD 28,138,581 30,798,386 27,274,263 30,027,910 Net Profit (Loss) Current Period attributable to : OWNERS OF THE PARENT 30,191,956 29,890,278 29,534,446 29,016,414 NON-CONTROLLING INTEREST 11,175 6,555 NET PROFIT (LOSS) CURRENT PERIOD 30,191,956 29,890,278 29,545,621 29,022,969 Total Comprehensive Profit (Loss) Current Period attributable to : OWNERS OF THE PARENT 28,138,581 30,798,386 27,265,137 30,017,551 NON-CONTROLLING INTEREST 9,126 10,359 TOTAL COMPREHENSIVE PROFIT (LOSS) CURRENT PERIOD 28,138,581 30,798,386 27,274,263 30,027,910 DIVIDEND (36,985,059) (30,818,763) (36,985,059) (30,818,763) EARNINGS PER SHARE (in full amount) 240 235 PT BANK CENTRAL ASIA Tbk & Subsidiaries CONSOLIDATED STATEMENTS OF CASH FLOWS For the Periods Ended June 30, 2026 & 2025 (In millions of Rupiah) No. ACCOUNTS CONSOLIDATED Unaudited Jun 30, 2026 Unaudited Jun 30, 2025 I. CASH FLOWS FROM OPERATING ACTIVITIES 1. Receipts of interest and sharia income, insurance, fees and commissions 59,688,921 56,930,467 2. Other operating income 1,794,037 3,317,170 3. Payments of interest and sharia expenses, insurance, fees and commissions (7,222,837) (6,755,596) 4. Payments of post-employment benefits - - 5. (Loss) gain from foreign exchange transactions - net - - 6. Other operating expenses (16,673,264) (17,165,170) 7. Payment of tantiem to Board of Commissioners and Directors (932,110) (887,700) 8. Other increases/decreases affecting cash : a. Placements with Bank Indonesia and other banks - mature more than 3 (three) months from the date of acquisition 179,274 (434,925) b. Financial assets measured at fair value through profit and loss 11,739,721 1,381,899 c. Acceptance receivables (4,868,138) (943,660) d. Bills receivable (22,710) 4,578,136 e. Securities purchased under agreements to resell 3,269,635 (11,403,589) f. Loans receivable (43,209,780) (38,399,177) g. Consumer financing receivables (53,076) (5,466) h. Finance lease receivables - net 6,548 26,274 i. Assets related to sharia transactions (443,775) (550,778) j. Other assets 311,639 1,249,149 k. Deposits from customers 33,789,841 54,826,310 l. Sharia deposits 261,107 655,588 m. Deposits from other banks 92,732 (256,180) n. Acceptance payables 2,894,737 803,884 o. Accruals and other liabilities (561,384) (726,559) p. Temporary syirkah deposits (233,037) 174,959 Net cash provided by (used in) operating activities before income tax 39,808,081 46,415,036 9. Payment of income tax (7,546,107) (5,491,818) Net cash provided by (used in) operating activities 32,261,974 40,923,218 II. CASH FLOWS FROM INVESTING ACTIVITIES 1. Proceeds from sales of investment securities 100,000 - 2. Acquisition of investment securities (81,043,942) (65,474,222) 3. Proceeds from investment securities that matured during the period 47,824,962 79,116,392 4. Cash dividends received from investment in shares 21,599 41,324 5. Payment for acquisition activities - - 6. Acquisition of fixed assets (927,741) (404,314) 7. Acquisition of right of use assets (302,422) (203,870) 8. Proceeds from sale of fixed assets 3,033 1,234 Net cash provided by (used in) investing activities (34,324,511) 13,076,544 III. CASH FLOWS FROM FINANCING ACTIVITIES 1. Proceeds from debt securities issued 696,907 - 2. Payment of debt securities issued - - 3. Proceeds from borrowings 29,969,374 47,168,247 4. Payment of borrowings (30,144,769) (48,396,256) 5. Proceeds from increase of non-controlling interest - - 6. Payments of cash dividends (36,985,059) (30,818,763) 7. Treasury stock (1,309,013) (249,992) 8. Proceeds from securities sold under repurchase agreements to repurchase 392,553,760 - 9. Payment of securities sold under repurchase agreements to repurchase (344,264,915) (785,781) Net cash provided by (used in) financing activities 10,516,285 (33,082,545) NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 8,453,748 20,917,217 CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR 87,549,328 85,482,530 EFFECT OF FOREIGN EXCHANGE RATE FLUCTUATIONS ON CASH AND CASH EQUIVALENTS (1,510,526) 385,567 CASH AND CASH EQUIVALENTS, END OF PERIOD 94,492,550 106,785,314 IV. CASH AND CASH EQUIVALENTS CONSIST OF : 1. Cash 21,065,925 22,174,448 2. Current accounts with Bank Indonesia 43,823,593 51,752,065 3. Current accounts with other banks 11,678,406 8,928,772 4. Placements with Bank Indonesia and other banks - mature within 3 (three) months or less from the date of acquisition 17,924,626 23,930,029 Total cash and cash equivalents 94,492,550 106,785,314 PT BANK CENTRAL ASIA Tbk FINANCIAL RATIOS CALCULATION As of June 30, 2026 & 2025 (In %) Ratio Unaudited Jun 30, 2026 Unaudited Jun 30, 2025 Performance Ratio 1. Capital Adequacy Ratio (CAR) 26.79% 28.39% 2. Non performing earning assets and non earning assets to total earning assets and non earning assets 1.03% 1.19% 3. Non perfoming earning assets to total earning assets 0.93% 1.09% 4. Allowance for impairment on financial assets to earning assets 2.06% 2.47% 5. Gross NPL 1.86% 2.17% 6. Net NPL 0.75% 0.79% 7. Return on Asset (ROA) 1) 4.65% 4.99% 8. Return on Asset (ROA) 2) 3.82% 4.11% 9. Return on Equity (ROE) 24.13% 25.19% 10. Net Interest Margin (NIM) 5.32% 5.78% 11. Operating Expenses to Operating Income (BOPO) 41.22% 40.46% 12. Cost to Income Ratio (CIR) 29.29% 29.11% 13. Loan to Deposit Ratio (LDR) 78.67% 78.04% Compliance 1. a. Percentage Violation of Legal Lending Limit i. Related parties 0.00% 0.00% ii. Non related parties 0.00% 0.00% b. Percentage Lending in excess of Legal Lending Limit i. Related Parties 0.00% 0.00% ii. Non related parties 0.00% 0.00% 2. Reserve Requirement a. Primary Reserve Requirement (Rupiah) - Daily 0.00% 0.00% - Average 3.61% 4.01% b. Reserve Requirement (Foreign currencies) - daily 2.00% 2.00% 3. Net Open Position 0.44% 0.22% 1) Calculation using profit before tax divided by average total assets. 2) Calculation using profit after tax divided by average total assets. PT BANK CENTRAL ASIA Tbk EARNING ASSETS QUALITY AND OTHER INFORMATION As of June 30, 2026 & 2025 (In millions of Rupiah) No. ACCOUNTS INDIVIDUAL June 30, 2026 (Unaudited) June 30, 2025 (Unaudited) C SM S D L Total C SM S D L Total I. RELATED PARTIES 1. Placement with other banks Rupiah Foreign currencies Spot and derivative/forward receivables Rupiah Foreign currencies Securities Rupiah Foreign currencies Securities sold under repurchase agreement (repo) Rupiah Foreign currencies Claims on securities bought under reverse repo Rupiah Foreign currencies Acceptance receivables Loans and financing Micro, small and medium enterprises (UMKM) Rupiah Foreign currencies Non micro, small and medium enterprises Rupiah Foreign currencies Restructured loans Rupiah Foreign currencies Equity investment Other receivables Commitments and contingencies Rupiah Foreign currencies 128 - - - - 128 154 - - - - 154 - - - - - - - - - - - - 2. 1,525 - - - - 1,525 9 - - - - 9 - - - - - - - - - - - - 3. - - - - - - 49,635 - - - - 49,635 - - - - - - - - - - - - 4. - - - - - - - - - - - - - - - - - - - - - - - - 5. - - - - - - 100,166 - - - - 100,166 - - - - - - - - - - - - 6. - - - - - - - - - - - - 7. 93,814 - - - - 93,814 129,452 - - - - 129,452 93,814 - - - - 93,814 90,887 - - - - 90,887 - - - - - - 38,565 - - - - 38,565 10,892,044 268 - - - 10,892,312 10,588,078 54,605 - - - 10,642,683 10,803,477 268 - - - 10,803,745 10,500,816 54,605 - - - 10,555,421 88,567 - - - - 88,567 87,262 - - - - 87,262 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 8. 9,736,614 - - - 1,000 9,737,614 9,779,088 - - - 1,000 9,780,088 9. - - - - - - - - - - - - 10. 13,689,556 221 - - - 13,689,777 7,108,901 6,803 - - - 7,115,704 775,518 - - - - 775,518 386,880 - - - - 386,880 PT BANK CENTRAL ASIA Tbk EARNING ASSETS QUALITY AND OTHER INFORMATION As of June 30, 2026 & 2025 (In millions of Rupiah) No. ACCOUNTS INDIVIDUAL June 30, 2026 (Unaudited) June 30, 2025 (Unaudited) C SM S D L Total C SM S D L Total II. NON RELATED PARTIES 1. Placement with other banks Rupiah Foreign currencies Spot and derivative/forward receivables Rupiah Foreign currencies Securities Rupiah Foreign currencies Securities sold under repurchase agreement (repo) Rupiah Foreign currencies Claims on securities bought under reverse repo Rupiah Foreign currencies Acceptance receivables Loans and financing Micro, small and medium enterprises (UMKM) Rupiah Foreign currencies Non micro, small and medium enterprises Rupiah Foreign currencies Restructured loans Rupiah Foreign currencies Equity investment Other receivables Commitments and contingencies Rupiah Foreign currencies 467,414 - - - - 467,414 3,546,416 - - - - 3,546,416 28,091,931 - - - - 28,091,931 20,550,911 - - - - 20,550,911 2. 631,285 - - - - 631,285 158,460 - - - - 158,460 1,183 - - - - 1,183 5,003 - - - - 5,003 3. 387,611,452 - - - 100,000 387,711,452 349,140,267 - - - 100,000 349,240,267 19,124,610 2,064 - - - 19,126,674 17,687,985 - - - - 17,687,985 4. 48,622,227 - - - - 48,622,227 - - - - - - - - - - - - - - - - - - 5. 1,435,564 - - - - 1,435,564 12,812,966 - - - - 12,812,966 - - - - - - - - - - - - 6. 14,306,212 137,238 10,655 - 108,976 14,563,081 10,763,816 164,841 7,212 - 69,533 11,005,402 7. 135,922,838 3,901,042 667,722 681,404 2,856,897 144,029,903 128,046,238 4,325,115 429,986 996,355 2,513,491 136,311,185 134,795,798 3,877,798 667,722 681,404 2,856,897 142,879,619 124,260,631 4,304,010 429,986 996,355 2,513,491 132,504,473 1,127,040 23,244 - - - 1,150,284 3,785,607 21,105 - - - 3,806,712 820,189,955 14,413,694 1,325,432 1,790,593 10,992,681 848,712,355 751,363,714 15,365,877 949,236 1,786,762 12,989,797 782,455,386 768,944,020 13,892,980 1,014,656 1,790,593 10,271,942 795,914,191 709,078,371 14,102,970 949,236 1,786,762 11,430,011 737,347,350 51,245,935 520,714 310,776 - 720,739 52,798,164 42,285,343 1,262,907 - - 1,559,786 45,108,036 11,497,907 4,583,977 797,785 439,738 7,543,049 24,862,456 12,726,815 5,481,619 343,341 1,140,412 9,914,641 29,606,828 11,077,790 4,334,149 503,755 439,738 7,543,049 23,898,481 12,549,544 4,429,061 343,341 1,140,412 9,135,742 27,598,100 420,117 249,828 294,030 - - 963,975 177,271 1,052,558 - - 778,899 2,008,728 8. 627,983 - - - 770 628,753 627,983 - - - 770 628,753 9. 195,278 6,967 - - - 202,245 122,359 29,662 - - - 152,021 10. 398,741,485 3,365,127 4,496 - 14,501 402,125,609 394,649,322 1,493,433 14,670 500 3,772 396,161,697 76,999,720 77,771 7,784 - 28,752 77,114,027 59,077,150 44,302 442 - 18,422 59,140,316 III. OTHER INFORMATION - -2,072,802 - -1,816,076 1. 2. Value of bank's assets pledge as collateral : To Bank Indonesia To Other Parties Foreclosed assets PT BANK CENTRAL ASIA Tbk & Subsidiaries CALCULATION OF CAPITAL ADEQUACY RATIO / CAR As of June 30, 2026 & 2025 (In millions of Rupiah) Unaudited Jun 30, 2026 Unaudited Jun 30, 2025 Individual Consolidated Individual Consolidated I. Tier 1 Capital Common Equity Tier 1 Paid-in Capital (After the deduction of treasury stock) Disclosed Reserves Addition Factor Other comprehensive income Translation of financial statements in foreign currency Unrealized gain on financial assets measured through other comprehensive income Revaluation surplus of fixed assets Other disclosed reserves Agio General Reserves Previous year's profit Current year's profit Fund for paid-in capital Others Deduction Factor Other comprehensive income Translation of financial statements in foreign currency Unrealized loss on financial assets measured through other comprehensive account Other disclosed reserves Disagio Previous year's losses Current year's losses Difference between allowance for possible losses and allowance for impairment losses on earning assets Difference on the total of fair value adjustment from financial instruments in trading book Allowance for losses on non productive assets required to be provided Others Non-controlling interest Deduction Factor of Common Equity Tier 1 Deferred tax Goodwill Other intangible assets Investments in shares of stock Shortage of capital on insurance subsidiary company Securitisation Exposure Other deduction factor of common equity tier 1 Investments in Instruments issued by the other bank that meet the criteria for inclusion in additional tier 1 and tier 2 Cross ownership of other entities obtained due to transfer because of law, grant, or bequest Exposures of settlement risk - Non Delivery Versus Payment Exposures in subsidiary company that carry out business activities based on sharia principles Additional Tier 1 Capital Instruments issued by the bank that meet the criteria for inclusion in additional tier 1 capital Agio / Disagio Deduction factor Investments in Instruments issued by the other bank that meet the criteria for inclusion in additional tier 1 and tier 2 Cross ownership of other entities obtained due to transfer because of law, grant, or bequest 247,895,693 262,698,408 239,891,690 254,936,797 247,895,693 1,535,522 262,232,375 264,457,505 11,229,763 - -11,229,763 253,227,742 2,255,257 4,268,903 216,511,626 30,191,956 - -(2,225,130) (147,150) -(147,150) (2,077,980) - - - - -(2,077,980) - 262,698,408 1,535,522 270,107,004 272,437,154 11,361,135 - -11,361,135 261,076,019 2,255,257 4,268,903 225,063,422 29,488,437 - -(2,330,150) (230,632) -(230,632) (2,099,518) - - - - -(2,099,518) - -(8,944,118) (6,067,454) (1,113,614) (574,832) (1,188,218) - - - - - - - - - - - - - 239,891,690 1,540,584 253,133,038 254,957,611 12,192,503 -1,188,974 11,003,529 242,765,108 5,461,730 4,268,903 203,144,197 29,890,278 - -(1,824,573) - - -(1,824,573) - - - - -(1,824,573) - 254,936,797 1,540,584 260,978,022 262,882,041 12,842,982 457,542 1,246,787 11,138,653 250,039,059 5,461,730 4,268,903 211,324,097 28,984,329 - -(1,904,019) (6,699) -(6,699) (1,897,320) -(50,101) - - -(1,847,219) - - (7,581,809) (4,688,399) (1,113,614) (616,385) (1,163,411) - - - - - - - - - - - - - (15,872,204) (5,726,860) (14,781,932) (4,473,406) (465,451) (9,679,893) (529,438) (9,779,088) - - - - - - - - - - - - - - - - - - - - - - II. Tier 2 Capital 10,884,534 11,231,992 9,914,732 10,241,362 1. Instruments issued by the bank that meet the criteria for inclusion in tier 2 capital 53,083 53,083 72,250 72,250 2. Agio / disagio - - - - 3. General allowance for losses on earning assets (max. 1.25% from risk-weighted assets) 10,831,451 11,178,909 9,842,482 10,169,112 4. Deduction Factor of Tier 2 Capital - - - - 4.1. Sinking Fund - - - - 4.2. Investments in Instruments issued by the other bank that meet the criteria for inclusion in additional tier 2 - - - - 4.3. Cross ownership of other entities obtained due to transfer because of law, grant, or bequest - - - - Total Capital 258,780,227 273,930,400 249,806,422 265,178,159 Unaudited Jun 30, 2026 Unaudited Jun 30, 2025 DESCRIPTION Unaudited Jun 30, 2026 Unaudited Jun 30, 2025 Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated RISK-WEIGHTED ASSETS (RWAs) CAR RATIO RWAs CONSIDERING CREDIT RISK 895,158,211 927,283,494 819,159,229 848,502,637 CET 1 Ratio (%) 25.67% 26.27% 27.26% 27.99% RWAs CONSIDERING MARKET RISK 13,471,366 17,018,669 6,386,020 9,082,496 Tier 1 Ratio (%) 25.67% 26.27% 27.26% 27.99% RWAs CONSIDERING OPERATIONAL RISK 57,184,081 55,803,356 54,479,020 53,224,191 Tier 2 Ratio (%) 1.13% 1.12% 1.13% 1.12% TOTAL RISK-WEIGHTED ASSETS 965,813,658 1,000,105,519 880,024,269 910,809,324 CAR Ratio (%) 26.79% 27.39% 28.39% 29.11% Min. capital requirements based on risk profile 9.99% 9.99% 9.99% 9.99% CET 1 FOR BUFFER (%) 16.80% 17.40% 18.40% 19.12% REGULATORY MINIMUM CAPITAL REQUIREMENT ALLOCATION BASED ON RISK PROFILE REGULATORY BUFFER PERCENTAGE REQUIRED BY BANK (%) From CET 1 (%) 8.86% 8.87% 8.86% 8.87% Capital Conservation Buffer (%) 2.50% 2.50% 2.50% 2.50% From AT 1 (%) 0.00% 0.00% 0.00% 0.00% Countercyclical Buffer (%) 0.00% 0.00% 0.00% 0.00% From Tier 2 (%) 1.13% 1.12% 1.13% 1.12% Capital Surcharge For Systemic Bank (%) 2.50% 2.50% 2.50% 2.50% PT BANK CENTRAL ASIA Tbk ALLOWANCE FOR IMPAIRMENTS LOSSES ON EARNINGS ASSETS As of June 30, 2026 & 2025 (In millions of Rupiah) No. ACCOUNTS June 30, 2026 (Unaudited) June 30, 2025 (Unaudited) Allowance for Impairment Calculate Allowance for Possible Losses on Earning Assets Allowance for Impairment Calculate Allowance for Possible Losses on Earning Assets Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific 1. Placement with other banks 5,143 - - 285,595 - 5,729 - - 240,975 - 2. Spot and derivative/forward receivables - - - 5,871 - - - - 1,634 - 3. Securities 314,659 - 100,000 628,416 100,103 298,869 - 100,000 497,254 100,000 4. Securities sold under repurchase agreement (repo) - - - - - - - - - - 5. Claims on securities bought under reverse repo - - - - - - - - - - 6. Acceptance receivables 61,551 95,253 100,619 143,062 117,435 44,226 132,401 59,013 107,638 78,856 7. Loans and financing 11,401,203 8,020,937 10,929,301 9,206,048 10,152,597 11,549,335 8,144,181 13,220,152 8,551,550 11,582,349 8. Equity investment 103,646 - 1,770 103,646 1,770 104,071 - 1,770 104,071 1,770 9. Other receivables 143 - - 1,953 349 391 - - 1,224 1,483 10. Commitments and Contingencies 2,671,938 142,792 31,454 456,860 194,168 2,807,704 177,767 16,897 338,136 84,497 PT BANK CENTRAL ASIA Tbk & Subsidiaries STATEMENT OF COMMITMENTS & CONTINGENCIES As of June 30, 2026 & December 31, 2025 (In millions of Rupiah) No. ACCOUNTS INDIVIDUAL CONSOLIDATED Unaudited Jun 30, 2026 Audited Dec 31, 2025 Unaudited Jun 30, 2026 Audited Dec 31, 2025 I. COMMITTED RECEIVABLES 1. Unused borrowings/financing facilities - - 3,344,167 2,795,000 2. Foreign currency positions to be received from spot and derivatives/forward transactions 43,553,139 22,941,216 43,553,139 22,941,216 3. Others 1,003,385 250,549 1,003,385 250,549 II. COMMITTED LIABILITIES 1. Unused credit/financing facilities a. Committed 346,608,395 350,969,402 347,660,311 351,712,031 b. Uncommitted 98,861,413 99,082,181 100,261,690 100,451,029 2. Outstanding irrevocable letters of credit 18,066,626 10,205,937 18,066,626 10,205,937 3. Foreign currency positions to be submitted for spot and derivatives/forward transactions 33,132,019 26,516,839 33,132,019 26,516,839 4. Others 2,342,373 335,642 2,342,373 335,642 III. CONTINGENT RECEIVABLES 1. Received guarantees 121,321 119,200 121,321 604,625 2. Others - - - - IV. CONTINGENT LIABILITIES 1. Issued guarantees 30,168,497 29,243,573 30,218,594 29,293,258 2. Others - - 89 89 PT BANK CENTRAL ASIA Tbk STATEMENT OF SPOT AND DERIVATIVE TRANSACTIONS As of June 30, 2026 (In millions of Rupiah) No. TRANSACTION INDIVIDUAL Notional Amount Objectives Derivative Receivables and Payables Trading Hedging Receivables Payables A. Related to Exchange Rate 76,685,158 76,685,158 - 633,993 744,779 1. Spot 2,363,936 2,363,936 - 1,813 450 2. Forward 23,424,067 23,424,067 - 264,798 175,800 3. Option - - - - - a. Put - - - - - b. Call - - - - - 4. Future - - - - - 5. Swap 50,895,805 50,895,805 - 367,382 568,504 6. Others 1,350 1,350 - - 25 B. Related to Interest Rate - - - - - 1. Forward - - - - - 2. Option - - - - - a. Put - - - - - b. Call - - - - - 3. Future - - - - - 4. Swap - - - - - 5. Others - - - - - C. Others - - - - - TOTAL 633,993 744,779 BOARD OF COMMISSIONERS & DIRECTORS BANK'S OWNERS BOARD OF COMMISSIONERS President Commissioner : Jahja Setiaatmadja Commissioner : Tonny Kusnadi Ultimate Shareholder PT Dwimuria Investama Andalan : 54.94% Independent Commissioner : Raden Pardede Independent Commissioner : Sumantri Slamet Non Ultimate Shareholder through Capital Market (≥ 5 %) Nil BOARD OF DIRECTORS President Director : Gregory Hendra Lembong Deputy President Director : Armand Wahyudi Hartono Deputy President Director : John Kosasih Director : Tan Ho Hien / Subur or also known as Subur Tan Director (concurrently serving as Director in charge of the Compliance Function) : Lianawaty Suwono Director : Santoso Director : Vera Eve Lim Director : Haryanto Tiara Budiman Director : Frengky Chandra Kusuma Director : Antonius Widodo Mulyono Director : Hendra Tanumihardja Director : David Formula Non Ultimate Shareholder through non Capital Market (≥ 5%) Nil *) Following the passing of the late Mr. Bambang Hartono, the controlling shareholder of PT Dwimuria Investama Andalan, who is also the ultimate shareholder of BCA is Mr. Robert Budi Hartono, whose currently in the process of being recorded with OJK. **) The shares repurchased by PT Bank Central Asia Tbk is in the amount of 0.35% of its issued and paid up shares. The composition of the Board of Commissioners and Board of Directors of the Bank as evident in the Deed of Statement of Resolutions of Shareholders' Meeting of PT Bank Central Asia Tbk No. 258 dated 31 March 2026 drawn up before Christina Dwi Utami, S.H., M.Hum., M.Kn., a Notary of the Municipality of West Jakarta, which notice of amendment of corporate data has been received and recorded in the Corporate Entities Administrative System, Ministry of Law of the Republic of Indonesia, as evident in the letter No. AHU-AH.01.09-0177001 dated 1 April 2026. The above consolidated financial information was derived from the consolidated financial statements of PT Bank Central Asia Tbk and Subsidiaries as of and for the six months period ended June 30, 2026 that have been unaudited. As the above consolidated financial information was derived from the consolidated financial statements; therefore, the consolidated financial information do not represent a complete presentation of the consolidated financial statements. The consolidated financial information has been presented in accordance with Financial Services Authority Regulation ("POJK") No. 14/POJK.04/2022 dated August 18, 2022 regarding "Submission of Periodic Financial Statements for Issuers or Public Companies", POJK No. 37/POJK.03/2019 dated December 19, 2019 regarding "Transparency and Publication of Bank Reports" and Regulation No. VIII.G.7 as included in attachment to the Decree of Chairman of Capital Market and Financial Institution Supervisory Board ("Bapepam-LK") No. KEP-347/BL/2012 dated June 25, 2012 regarding "Presentation and Disclosure of Financial Statements for Issuers or Public Companies". For comparison purpose, certain accounts in the statements of profit or loss and other comprehensive income for the six months period ended June 30, 2025 have been reclassified to conform the presentation of statements of profit or loss and other comprehensive income for the six months period ended June 30, 2026. Pursuant to POJK No. 37/POJK.03/2019 dated December 19, 2019 regarding "Transparency and Publication of Bank Reports", the consolidated financial statements of BCA's parent entity [PT Dwimuria Investama Andalan] have not yet been presented. The main exchange rates used were as follows: Rate as of June 30, 2026 : 1 USD = Rp 17,880.00 Rate as of December 31, 2025 : 1 USD = Rp 16,675.00

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