PT Bank Central Asia Tbk : Financial Report March 2026

About this update from Pt Bank Central Asia Tbk

PT BANK CENTRAL ASIA Tbk & Subsidiaries STATEMENTS OF FINANCIAL POSITION As of March 31, 2026 & December 31, 2025 (In millions of Rupiah) No. ACCOUNTS INDIVIDUAL CONSOLIDATED Unaudited Mar 31, 2026 Audited Dec 31, 2025 Unaudited Mar 31, 2026 Audited Dec 31, 2025 ASSETS 1. Cash 23,934,011 25,275,044 23,963,776 25,305,031 2. Placement with Bank Indonesia 56,538,555 50,289,090 58,298,242 52,078,654 3. Placement with other banks 34,091,487 9,656,983 35,326,967 10,838,081 4. Spot and derivative/forward receivables 107,302 118,068 107,302 118,068 5. Securities 444,510,254 435,890,800 467,028,858 456,276,250 6. Securities sold under repurchase agreement (repo) - - - - 7. Claims on securities bought under reverse repo 20,639,757 4,430,617 21,560,272 5,286,449 8. Acceptance receivables 8,679,915 9,694,943 8,679,915 9,694,943 9. Loans and financing 962,123,489 961,903,505 980,594,303 979,699,732 10. Sharia financing - - 13,228,880 13,190,859 11. Equity investment 10,366,367 10,366,367 805,407 803,859 12. Other financial assets 10,689,992 12,284,298 12,726,136 14,324,382 13. Impairment on financial assets -/- (30,948,109) (30,144,220) (32,332,701) (31,597,199) a. Securities (420,222) (444,818) (502,033) (525,707) b. Loans and Sharia financing (30,184,463) (29,390,498) (31,481,665) (30,757,244) c. Others (343,424) (308,904) (349,003) (314,248) 14. Intangible assets 1,365,177 1,364,628 2,913,992 2,902,619 Accumulated amortization on intangible asset -/- (876,683) (832,702) (1,178,088) (1,123,847) 15. Fixed assets and equipment 38,861,129 38,772,810 40,530,171 40,354,254 Accumulated depreciation on fixed assets and equipment -/- (11,714,241) (11,195,391) (12,434,684) (11,880,570) 16. Non earning assets 2,401,986 2,336,435 2,446,495 2,393,506 a. Abandoned property 31,004 32,635 37,339 38,969 b. Foreclosed assets 2,200,005 2,200,083 2,238,179 2,250,820 c. Suspense accounts 53,943 11,024 53,943 11,024 d. Interbranch assets 117,034 92,693 117,034 92,693 17. Other assets 19,320,353 17,160,188 18,565,323 18,163,465 TOTAL ASSETS 1,590,090,741 1,537,371,463 1,640,830,566 1,586,828,536 PT BANK CENTRAL ASIA Tbk & Subsidiaries STATEMENTS OF FINANCIAL POSITION As of March 31, 2026 & December 31, 2025 (In millions of Rupiah) No. ACCOUNTS INDIVIDUAL CONSOLIDATED Unaudited Mar 31, 2026 Audited Dec 31, 2025 Unaudited Mar 31, 2026 Audited Dec 31, 2025 LIABILITIES AND EQUITIES LIABILITIES 1. Current account 447,809,655 431,029,026 452,036,616 434,453,871 2. Saving account 626,105,650 600,636,235 637,014,723 610,785,794 3. Time deposit 187,166,832 187,902,285 203,334,868 203,804,633 4. Electronic money 1,567,102 1,494,420 1,567,113 1,494,432 5. Liabilities to Bank Indonesia 577 577 203,437 577 6. Liabilities to other banks 4,419,574 4,038,232 4,312,343 3,980,717 7. Spot and derivative/forward liabilities 219,461 97,406 219,461 97,406 8. Liabilities on securities sold under repurchase agreement (repo) - - - - 9. Acceptance liabilities 4,375,567 4,733,862 4,375,567 4,733,862 10. Issued securities 65,000 65,000 266,324 165,000 11. Loans/financing received 20,859 1,525 1,824,193 2,046,859 12. Margin deposit 226,033 298,252 226,327 308,366 13. Interbranch liabilities 4,520 - 4,520 - 14. Other liabilities 67,355,109 35,416,878 76,086,281 43,269,464 15. Minority interest - - 226,386 221,077 TOTAL LIABILITIES 1,339,335,939 1,265,713,698 1,381,698,159 1,305,362,058 EQUITIES 16. Paid in capital 1,535,953 1,537,663 1,535,953 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 -/- (4,985) (3,275) (4,985) (3,275) 17. Additional paid in capital 2,459,685 3,562,129 2,240,635 3,343,079 a. Agio 2,459,685 3,562,129 2,459,685 3,562,129 b. Disagio -/- - - - - c. Fund for paid up capital - - - - d. Others - - (219,050) (219,050) 18. Other comprehensive income 7,521,060 8,809,980 7,661,675 9,047,491 a. Gains 11,864,663 13,156,614 12,021,899 13,490,877 b. Losses -/- (4,343,603) (4,346,634) (4,360,224) (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 234,969,201 253,479,090 243,425,241 263,269,342 a. Previous years 253,479,090 233,974,939 263,269,342 243,327,102 b. Current Year 16,018,335 57,099,198 14,684,123 57,537,287 c. Dividends paid -/- (34,528,224) (37,595,047) (34,528,224) (37,595,047) TOTAL EQUITIES 250,754,802 271,657,765 259,132,407 281,466,478 TOTAL LIABILITIES AND EQUITIES 1,590,090,741 1,537,371,463 1,640,830,566 1,586,828,536 PT BANK CENTRAL ASIA Tbk & Subsidiaries STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME For the Periods Ended March 31, 2026 & 2025 (In millions of Rupiah) No. ACCOUNTS INDIVIDUAL CONSOLIDATED Unaudited Mar 31, 2026 Unaudited Mar 31, 2025 Unaudited Mar 31, 2026 Unaudited Mar 31, 2025 OPERATIONAL INCOME AND EXPENSES A. Interest income and expenses 1. Interest income 22,890,135 22,714,991 24,640,063 24,394,541 2. Interest expenses 3,206,708 2,991,993 3,484,379 3,248,181 Net interest income (expenses) 19,683,427 19,722,998 21,155,684 21,146,360 B. Insurace revenue and expense 1. Insurance revenue - - 532,089 590,214 2. Insurance expense - - 451,628 587,546 Net insurance revenue (expense) - - 80,461 2,668 C. Other operational income and expenses 1. Gains (losses) from increase (decrease) fair value on financial assets (62,765) 324,990 (99,829) 293,783 2. Gains (losses) from decrease (increase) fair value on financial liabilities - - - - 3. Gains (losses) on sale of financial assets 612,500 359,896 616,563 366,172 4. Gains (losses) on spot and derivatives/forward (realised) 339,815 226,549 339,548 226,568 5. Gains (losses) on investment under equity method - - - - 6. Gains (losses) from translation of foreign currency transactions 135,634 (19,614) 145,386 (2,132) 7. Dividend income 1,926,787 2,162,748 1,293 1,439 8. Commission/provision/fee and administration income 4,948,613 4,623,013 5,061,871 4,658,813 9. Other income 437,419 153,456 576,957 271,849 10. Addition (reversal) of impairment losses on assets 1,096,590 826,766 1,232,275 1,031,032 11. Losses on operational risk 165 1,433 165 1,433 12. Personnel expenses 4,272,666 4,335,303 4,733,979 4,880,589 13. Promotion expenses 173,250 196,759 244,201 281,836 14. Others expenses 3,163,917 3,295,623 3,535,625 3,334,413 Net Other Operational Income (Expenses) (368,585) (824,846) (3,104,456) (3,712,811) OPERATIONAL PROFIT (LOSS) 19,314,842 18,898,152 18,131,689 17,436,217 NON OPERATIONAL INCOME AND EXPENSES 1. Gains (losses) on sale of fixed assets and equipment (2,031) (2,717) (2,355) (2,615) 2. Other non operational income (expenses) (48,284) (47,998) (52,262) 22,060 NON OPERATIONAL PROFIT (LOSS) (50,315) (50,715) (54,617) 19,445 PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 19,264,527 18,847,437 18,077,072 17,455,662 Income tax 3,246,192 3,150,763 3,387,273 3,308,672 a. Estimated current year tax 2,630,367 2,482,030 2,791,400 2,650,861 b. Deferred tax income (expenses) (615,825) (668,733) (595,873) (657,811) NET PROFIT (LOSS) CURRENT PERIOD 16,018,335 15,696,674 14,689,799 14,146,990 NET PROFIT (LOSS) OF MINORITY INTEREST 5,676 859 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 - - - 10,294 b. Gains (losses) from changes in fair value of financial assets- debt instruments measured through other comprehensive income (1,288,920) 333,059 (1,475,217) 357,050 c. Others - - 89,034 (1,385) OTHER COMPREHENSIVE INCOME CURRENT PERIOD AFTER TAX (1,288,920) 333,059 (1,386,183) 365,959 TOTAL COMPREHENSIVE PROFIT (LOSS) CURRENT PERIOD 14,729,415 16,029,733 13,303,616 14,512,949 Net Profit (Loss) Current Period attributable to : OWNERS OF THE PARENT 16,018,335 15,696,674 14,684,123 14,146,131 NON-CONTROLLING INTEREST 5,676 859 NET PROFIT (LOSS) CURRENT PERIOD 16,018,335 15,696,674 14,689,799 14,146,990 Total Comprehensive Profit (Loss) Current Period attributable to : OWNERS OF THE PARENT 14,729,415 16,029,733 13,298,307 14,511,934 NON-CONTROLLING INTEREST 5,309 1,015 TOTAL COMPREHENSIVE PROFIT (LOSS) CURRENT PERIOD 14,729,415 16,029,733 13,303,616 14,512,949 DIVIDEND (34,528,224) (30,818,763) (34,528,224) (30,818,763) EARNINGS PER SHARE (in full amount) 119 115 PT BANK CENTRAL ASIA Tbk & Subsidiaries CONSOLIDATED STATEMENTS OF CASH FLOWS For the Periods Ended March 31, 2026 & 2025 (In millions of Rupiah) No. ACCOUNTS CONSOLIDATED Unaudited Mar 31, 2026 Unaudited Mar 31, 2025 I. CASH FLOWS FROM OPERATING ACTIVITIES 1. Receipts of interest and sharia income, insurance, fees and commissions 30,666,530 28,774,528 2. Other operating income 1,026,079 1,964,899 3. Payments of interest and sharia expenses, insurance, fees and commissions (3,438,404) (3,253,649) 4. Payments of post-employment benefits - - 5. Other operating expenses (7,247,607) (5,515,107) 6. Payment of tantiem to Board of Commissioners and Directors (932,110) (887,700) 7. Other increases/decreases affecting cash : a. Placements with Bank Indonesia and other banks - mature more than 3 (three) months from the date of acquisition 169,400 14,219 b. Financial assets measured at fair value through profit and loss 4,161,880 (1,893,358) c. Acceptance receivables 1,015,028 (155,412) d. Bills receivable 1,642,392 1,349,731 e. Securities purchased under agreements to resell (16,273,823) (20,974,109) f. Loans receivable (287,574) (17,906,497) g. Consumer financing receivables (500,427) (759,015) h. Finance lease receivables - net 4,019 14,134 i. Assets related to sharia transactions (97,941) (287,081) j. Other assets 814,944 (7,348,412) k. Deposits from customers 40,913,625 57,251,184 l. Sharia deposits 303,294 169,167 m. Deposits from other banks 295,226 392,447 n. Acceptance payables (358,295) 219,133 o. Accruals and other liabilities (496,021) 6,002,400 p. Temporary syirkah deposits 478,835 152,693 Net cash provided by (used in) operating activities before income tax 51,859,050 37,324,195 8. Payment of income tax (3,938,322) (2,140,844) Net cash provided by (used in) operating activities 47,920,728 35,183,351 II. CASH FLOWS FROM INVESTING ACTIVITIES 1. Proceeds from sales of investment securities - - 2. Acquisition of investment securities (33,412,125) (24,456,809) 3. Proceeds from investment securities that matured during the period 16,857,848 20,587,714 4. Cash dividends received from investment in shares 1,293 1,439 5. Payment for acquisition activities - - 6. Acquisition of fixed assets (238,418) (311,014) 7. Acquisition of right of use assets (196,795) (122,457) 8. Proceeds from sale of fixed assets 822 322 Net cash provided by (used in) investing activities (16,987,375) (4,300,805) III. CASH FLOWS FROM FINANCING ACTIVITIES 1. Proceeds from debt securities issued 51,324 - 2. Payment of debt securities issued - - 3. Proceeds from borrowings 16,922,194 31,829,688 4. Payment of borrowings (16,942,000) (31,260,774) 5. Proceeds from increase of non-controlling interest - - 6. Payments of cash dividends - - 7. Treasury stock (1,104,154) (9,999) 8. Proceeds from securities sold under repurchase agreements to repurchase - - 9. Payment of securities sold under repurchase agreements to repurchase - (561,095) Net cash provided by (used in) financing activities (1,072,636) (2,180) NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 29,860,717 30,880,366 CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR 87,549,328 85,482,530 EFFECT OF FOREIGN EXCHANGE RATE FLUCTUATIONS ON CASH AND CASH EQUIVALENTS (344,548) (330,568) CASH AND CASH EQUIVALENTS, END OF PERIOD 117,065,497 116,032,328 IV. CASH AND CASH EQUIVALENTS CONSIST OF : 1. Cash 23,963,776 28,032,494 2. Current accounts with Bank Indonesia 58,196,922 56,182,969 3. Current accounts with other banks 8,080,994 6,578,101 4. Placements with Bank Indonesia and other banks - mature within 3 (three) months or less from the date of acquisition 26,823,805 25,238,764 Total cash and cash equivalents 117,065,497 116,032,328 V. ADDITIONAL INFORMATION FOR FINANCING ACTIVITIES THAT DO NOT AFFECT CASH : Provision from retained earnings for final dividends Total of financing activities that do not affect cash 34,528,224 30,818,763 34,528,224 30,818,763 PT BANK CENTRAL ASIA Tbk FINANCIAL RATIOS CALCULATION As of March 31, 2026 & 2025 (In %) Ratio Unaudited Mar 31, 2026 Unaudited Mar 31, 2025 Performance Ratio 1. Capital Adequacy Ratio (CAR) 26,95% 26,63% 2. Non performing earning assets and non earning assets to total earning assets and non earning assets 0,99% 1,10% 3. Non perfoming earning assets to total earning assets 0,88% 1,00% 4. Allowance for impairment on financial assets to earning assets 2,09% 2,44% 5. Gross NPL 1,85% 2,04% 6. Net NPL 0,72% 0,70% 7. Return on Asset (ROA) 1) 4,91% 5,20% 8. Return on Asset (ROA) 2) 4,08% 4,33% 9. Return on Equity (ROE) 25,13% 26,21% 10. Net Interest Margin (NIM) 5,33% 5,77% 11. Operating Expenses to Operating Income (BOPO) 39,87% 39,11% 12. Cost to Income Ratio (CIR) 27,32% 28,46% 13. Loan to Deposit Ratio (LDR) 74,10% 76,06% 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 4,11% 5,02% b. Reserve Requirement (Foreign currencies) - daily 2,00% 2,00% 3. Net Open Position 0,24% 0,45% 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 March 31, 2026 & 2025 (In millions of Rupiah) No. ACCOUNTS INDIVIDUAL March 31, 2026 (Unaudited) March 31, 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 150,181 - - - - 150,181 140,748 - - - - 140,748 - - - - - - - - - - - - 2. - - - - - - - - - - - - - - - - - - - - - - - - 3. - - - - - - 49,710 - - - - 49,710 - - - - - - - - - - - - 4. - - - - - - - - - - - - - - - - - - - - - - - - 5. - - - - - - - - - - - - - - - - - - - - - - - - 6. 913 - - - - 913 - - - - - - 7. 69,881 - - - - 69,881 117,322 - - - - 117,322 69,881 - - - - 69,881 87,168 - - - - 87,168 - - - - - - 30,154 - - - - 30,154 12,850,488 1,184 - - - 12,851,672 12,153,598 221 - 33 - 12,153,852 12,751,904 1,184 - - - 12,753,088 12,052,980 221 - 33 - 12,053,234 98,584 - - - - 98,584 100,618 - - - - 100,618 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 8. 9,736,614 - - - 1,000 9,737,614 9,779,088 - - - 1,000 9,780,088 9. - - - - - - - - - - - - 10. 16,943,758 1,918 - - - 16,945,676 4,386,851 271 - - - 4,387,122 381,499 - - - - 381,499 843,508 - - - - 843,508 PT BANK CENTRAL ASIA Tbk EARNING ASSETS QUALITY AND OTHER INFORMATION As of March 31, 2026 & 2025 (In millions of Rupiah) No. ACCOUNTS INDIVIDUAL March 31, 2026 (Unaudited) March 31, 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 5,005,014 - - - - 5,005,014 4,270,266 - - - - 4,270,266 28,936,292 - - - - 28,936,292 14,169,392 - - - - 14,169,392 2. 106,208 - - - - 106,208 194,916 - - - - 194,916 1,094 - - - - 1,094 372 - - - - 372 3. 425,292,894 - - - 100,000 425,392,894 375,352,836 - - - 100,000 375,452,836 19,115,854 - 1,506 - - 19,117,360 13,392,929 - - - - 13,392,929 4. - - - - - - 584,389 - - - - 584,389 - - - - - - - - - - - - 5. 20,639,757 - - - - 20,639,757 21,852,664 - - - - 21,852,664 - - - - - - - - - - - - 6. 8,469,311 102,932 3,355 - 103,404 8,679,002 9,931,198 166,730 - - 119,226 10,217,154 7. 137,725,268 3,795,424 311,327 788,220 2,864,422 145,484,661 122,783,265 3,947,312 374,387 554,911 2,230,586 129,890,461 133,489,082 3,773,331 311,327 788,220 2,864,422 141,226,382 122,219,861 3,925,784 374,387 554,911 2,230,586 129,305,529 4,236,186 22,093 - - - 4,258,279 563,404 21,528 - - - 584,932 776,243,061 14,168,855 1,344,708 1,388,609 10,572,042 803,717,275 739,836,836 14,751,983 1,054,199 2,589,835 11,344,139 769,576,992 732,975,788 13,819,614 1,042,154 1,388,609 9,887,290 759,113,455 695,923,423 13,406,848 1,054,199 1,794,596 10,549,647 722,728,713 43,267,273 349,241 302,554 - 684,752 44,603,820 43,913,413 1,345,135 - 795,239 794,492 46,848,279 12,043,036 4,603,424 435,138 389,099 7,880,409 25,351,106 16,786,186 6,345,876 519,677 740,063 9,518,003 33,909,805 11,608,190 4,360,758 148,787 389,099 7,880,409 24,387,243 16,598,319 5,223,541 519,677 740,063 8,723,511 31,805,111 434,846 242,666 286,351 - - 963,863 187,867 1,122,335 - - 794,492 2,104,694 8. 627,983 - - - 770 628,753 627,983 - - - 770 628,753 9. 249,279 - 1,858 - - 251,137 48,815 - - - - 48,815 10. 419,569,145 1,503,370 16,024 - 10,777 421,099,316 386,831,765 1,266,473 13,782 2 3,616 388,115,638 71,813,172 58,203 4,973 - 9,648 71,885,996 66,512,263 106,712 - - 28,764 66,647,739 III. OTHER INFORMATION - -2,200,005 - -1,841,175 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 March 31, 2026 & 2025 (In millions of Rupiah) Unaudited Mar 31, 2026 Unaudited Mar 31, 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 237,512,467 251,871,619 225,328,986 239,748,210 237,512,467 1,535,953 251,347,703 253,590,051 11,892,262 -644,904 11,247,358 241,697,789 2,459,685 4,268,903 218,950,866 16,018,335 - -(2,242,348) (27,599) -(27,599) (2,214,749) - - - - -(2,214,749) - 251,871,619 1,535,953 258,722,989 260,992,306 12,029,345 -650,615 11,378,730 248,962,961 2,459,685 4,268,903 227,502,662 14,731,711 - -(2,269,317) (27,649) -(27,649) (2,241,668) - - - - -(2,241,668) - -(8,387,323) (5,503,804) (1,113,614) (593,853) (1,176,052) - - - - - - - - - - - - - 225,328,986 1,540,924 238,571,084 240,434,781 11,623,624 -620,095 11,003,529 228,811,157 5,701,383 4,268,903 203,144,197 15,696,674 - -(1,863,697) (6,170) -(6,170) (1,857,527) - - - - -(1,857,527) - 239,748,210 1,540,924 245,765,419 247,709,301 12,243,201 468,083 636,465 11,138,653 235,466,100 5,701,383 4,268,903 211,324,097 14,171,717 - -(1,943,882) (13,291) -(13,291) (1,930,591) -(50,101) - - -(1,880,490) - - (7,558,133) (4,645,790) (1,113,614) (653,829) (1,144,900) - - - - - - - - - - - - - (15,371,189) (5,202,801) (14,783,022) (4,434,318) (488,494) (9,679,894) (569,616) (9,779,088) - - - - - - - - - - - - - - - - - - - - - - II. Tier 2 Capital 10,455,659 10,796,733 9,815,183 10,147,496 1. Instruments issued by the bank that meet the criteria for inclusion in tier 2 capital 56,333 56,333 94,000 94,000 2. Agio / disagio - - - - 3. General allowance for losses on earning assets (max. 1.25% from risk-weighted assets) 10,399,326 10,740,400 9,721,183 10,053,496 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 247,968,126 262,668,352 235,144,169 249,895,706 Unaudited Mar 31, 2026 Unaudited Mar 31, 2025 DESCRIPTION Unaudited Mar 31, 2026 Unaudited Mar 31, 2025 Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated RISK-WEIGHTED ASSETS (RWAs) CAR RATIO RWAs CONSIDERING CREDIT RISK 851,806,761 883,495,924 820,710,125 850,425,141 CET 1 Ratio (%) 25.81% 26.39% 25.52% 26.24% RWAs CONSIDERING MARKET RISK 11,110,206 14,967,084 7,754,684 9,989,266 Tier 1 Ratio (%) 25.81% 26.39% 25.52% 26.24% RWAs CONSIDERING OPERATIONAL RISK 57,184,081 55,803,356 54,479,020 53,224,191 Tier 2 Ratio (%) 1.14% 1.13% 1.11% 1.11% TOTAL RISK-WEIGHTED ASSETS 920,101,048 954,266,364 882,943,829 913,638,598 CAR Ratio (%) 26.95% 27.52% 26.63% 27.35% Min. capital requirements based on risk profile 9.99% 9.99% 9.99% 9.99% CET 1 FOR BUFFER (%) 16.96% 17.53% 16.64% 17.36% REGULATORY MINIMUM CAPITAL REQUIREMENT ALLOCATION BASED ON RISK PROFILE REGULATORY BUFFER PERCENTAGE REQUIRED BY BANK (%) From CET 1 (%) 8.85% 8.86% 8.88% 8.88% 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 (%) 1.14% 1.13% 1.11% 1.11% 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 March 31, 2026 & 2025 (In millions of Rupiah) No. ACCOUNTS March 31, 2026 (Unaudited) March 31, 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 6,230 - - 340,915 - 4,814 - - 185,804 - 2. Spot and derivative/forward receivables - - - 964 - - - - 1,953 - 3. Securities 318,909 - 101,313 589,148 100,226 310,389 - 100,000 521,674 100,000 4. Securities sold under repurchase agreement (repo) - - - - - - - - - - 5. Claims on securities bought under reverse repo - - - - - - - - - - 6. Acceptance receivables 41,592 97,339 90,051 84,702 109,053 38,759 135,729 108,552 99,304 127,562 7. Loans and financing 11,422,422 8,182,300 10,579,741 8,857,511 9,523,641 11,282,245 8,979,524 12,479,872 8,452,469 10,147,122 8. Equity investment 103,646 - 1,770 103,646 1,770 104,071 - 1,770 104,071 1,770 9. Other receivables 1,161 - 1,635 2,493 279 92 - - 488 - 10. Commitments and Contingencies 2,751,431 133,238 9,309 419,947 84,074 2,914,086 118,365 24,808 355,420 81,295 PT BANK CENTRAL ASIA Tbk & Subsidiaries STATEMENT OF COMMITMENTS & CONTINGENCIES As of March 31, 2026 & December 31, 2025 (In millions of Rupiah) No. ACCOUNTS INDIVIDUAL CONSOLIDATED Unaudited Mar 31, 2026 Audited Dec 31, 2025 Unaudited Mar 31, 2026 Audited Dec 31, 2025 I. COMMITTED RECEIVABLES 1. Unused borrowings/financing facilities - - 3,211,667 2,795,000 2. Foreign currency positions to be received from spot and derivatives/forward transactions 25,162,680 22,941,216 25,162,680 22,941,216 3. Others 9,458,771 250,549 9,458,771 250,549 II. COMMITTED LIABILITIES 1. Unused credit/financing facilities a. Committed 357,260,183 350,969,402 357,715,684 351,712,031 b. Uncommitted 108,613,641 99,082,181 110,125,417 100,451,029 2. Outstanding irrevocable letters of credit 15,298,978 10,205,937 15,298,978 10,205,937 3. Foreign currency positions to be submitted for spot and derivatives/forward transactions 26,423,477 26,516,839 26,423,477 26,516,839 4. Others 2,989,307 335,642 2,989,307 335,642 III. CONTINGENT RECEIVABLES 1. Received guarantees 115,878 119,200 115,878 604,625 2. Others - - - - IV. CONTINGENT LIABILITIES 1. Issued guarantees 29,139,685 29,243,573 29,187,466 29,293,258 2. Others - - 89 89 PT BANK CENTRAL ASIA Tbk STATEMENT OF SPOT AND DERIVATIVE TRANSACTIONS As of March 31, 2026 (In millions of Rupiah) No. TRANSACTION INDIVIDUAL Notional Amount Objectives Derivative Receivables and Payables Trading Hedging Receivables Payables A. Related to Exchange Rate 51,586,157 51,586,157 - 107,302 219,461 1. Spot 5,875,881 5,875,881 - 1,601 2,269 2. Forward 15,092,922 15,092,922 - 80,597 36,695 3. Option - - - - - a. Put - - - - - b. Call - - - - - 4. Future - - - - - 5. Swap 30,616,067 30,616,067 - 25,104 180,480 6. Others 1,287 1,287 - - 17 B. Related to Interest Rate - - - - - 1. Forward - - - - - 2. Option - - - - - a. Put - - - - - b. Call - - - - - 3. Future - - - - - 4. Swap - - - - - 5. Others - - - - - C. Others - - - - - TOTAL 107,302 219,461 BOARD OF COMMISSIONERS & DIRECTORS BANK'S OWNERS BOARD OF COMMISSIONERS President Commissioner : Jahja Setiaatmadja Commissioner : Tonny Kusnadi Independent Commissioner : Raden Pardede Independent Commissioner : Sumantri Slamet 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 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. PT Dwimuria Investama Andalan *) : 54.94% Public **) : 44.74% Share Repurchased by PT Bank Central Asia Tbk (Treasury Stock) : 0.32% Total 100.00% *) The shareholders of PT Dwimuria Investama Andalan are Mr. Robert Budi Hartono and Mr. Bambang Hartono, therefore the ultimate shareholders of BCA are Mr. Robert Budi Hartono and Mr. Bambang Hartono. **) In the composition of shares held by the public, 2.49% of the shares are owned by parties affiliated with PT Dwimuria Investama Andalan. 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 three months period ended March 31, 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 three months period ended March 31, 2025 have been reclassified to conform the presentation of statements of profit or loss and other comprehensive income for the three months period ended March 31, 2026. The main exchange rates used were as follows: Rate as of March 31, 2026 : 1 USD = Rp 16,994.50 Rate as of December 31, 2025 : 1 USD = Rp 16,675.00

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