Pt Bank Central Asia TbkIDX: BBCA

Financial Report March 2026

Apr 23, 2026 at 9:27 AM UTC · Issued by 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
No.	ACCOUNTS	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
No.	ACCOUNTS	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
No.	ACCOUNTS	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
No.	ACCOUNTS	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						- -2,200,005						- -1,841,175

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	DESCRIPTION	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
No.	ACCOUNTS	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
		Notional Amount	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