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20251020_BBCA_Laporan Informasi dan Fakta Material_31978562_lamp2.pdf
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PT Bank Central Asia Tbk
The IDX-SGX Unsponsored Depositary
Receipts Linkage Launch Ceremony
Singapore, 16 October 2025
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The largest private bank in Indonesia
• BCA is one the top 4 banks in Indonesia. Robust Multiple-Channel Franchise
Top 4 banks have a combined market
share of ~50% (by assets)
Internet & Mobile Banking
• Being the largest private bank in 24 / 7 Service
Indonesia, BCA commanded ~16% CASA
fund market share and ~12% loan market
share
1,264 Branches
• Largest transaction banking franchise on
integrated multiple robust transaction
channels
19.9k ATMs
• Large CASA customer base (>33 million
customers, has doubled in 5 years)
• Long standing solid track record in POS One of the largest EDC /
earnings and asset quality, accompanied Network POS Network in Indonesia
with solid capital and liquidity
Note: As of 1H25
PT Bank Central Asia Tbk 2
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Loans grew 4% YtD, CASA rose 7.3% YoY
Consolidated (Rp tn) Jun-24 Dec-24 Mar-25 Jun-25 YoY YtD QoQ
Total Assets 1,425 1,449 1,534 1,504 5.5% 3.8% -1.9%
Secondary Reserves &
447 422 462 433 -3.3% 2.4% -6.4%
Marketable Securities
Loans 850 922 941 959 12.9% 4.0% 1.9%
Third Party Funds 1,125 1,134 1,193 1,190 5.7% 5.0% -0.3%
CASA 915 924 979 982 7.3% 6.3% 0.3%
Current Accounts 353 362 383 385 9.2% 6.5% 0.7%
Savings Accounts 562 562 597 597 6.1% 6.1% 0.0%
Time Deposits 210 210 214 208 -1.1% -0.9% -3.0%
Equity 241 263 246 262 8.7% -0.4% 6.2%
PT Bank Central Asia Tbk 3
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NPAT rose 8.0% YoY underpinned by sound operating performance
Consolidated (Rp tn) 1H-24 1H-25 YoY 1Q-25 2Q-25 QoQ
Operating Income 52.2 56.2 7.8% 27.9 28.4 1.8%
Net Interest Income 39.7 42.5 7.0% 21.1 21.4 1.6%
Non Interest Income 12.4 13.7 10.6% 6.8 6.9 2.2%
Fees and Commissions 9.1 9.9 9.5% 4.8 5.1 5.9%
Trading Income 1.3 1.7 30.3% 0.8 0.9 6.6%
Others 2.1 2.2 5.2% 1.1 1.0 -11.3%
Loss on Loan Sale - (0.1) n.a - (0.1) n.a
Operating Expenses 17.7 18.6 5.3% 9.5 9.1 -3.6%
Manpower 9.1 9.1 -0.4% 4.9 4.2 -14.1%
General & Administrative 8.6 9.6 11.3% 4.6 5.0 7.6%
PPOP (Pre-Provision Operating Profit) 34.5 37.6 9.1% 18.4 19.2 4.5%
Provision incl. Loan Recoveries 1.4 2.0 43.4% 1.0 0.9 -8.3%
Provision 1.4 2.0 49.3% 1.0 1.0 -0.5%
Reversal on Loan Sale - (0.1) n.a - (0.1) n.a
Net Profit 26.9 29.0 8.0% 14.1 14.9 5.1%
PT Bank Central Asia Tbk 4
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Key Ratios Bank Only 1H-24 1H-25 YoY 1Q-25 2Q-25 QoQ NIM 5.7% 5.8% 0.1% 5.8% 5.8% 0.0% COC 0.3% 0.5% 0.2% 0.5% 0.5% 0.0% Risk Adjusted NIM 5.4% 5.3% -0.1% 5.3% 5.3% 0.0% Cost to Income* 30.5% 29.1% -1.4% 28.5% 29.8% 1.3% ROA** 3.8% 4.1% 0.3% 4.3% 3.9% -0.4% ROE** 24.8% 25.2% 0.4% 26.2% 24.2% -2.0% CAR 27.8% 28.4% 0.6% 26.6% 28.4% 1.8% CASA to Total Funding 82.2% 83.4% 1.2% 82.9% 83.4% 0.5% LDR 72.7% 78.0% 5.3% 76.1% 78.0% 1.9% NSFR 162.1% 157.2% -4.9% 156.3% 157.2% 0.9% LCR 324.4% 289.0% -35.4% 300.5% 289.0% -11.5% ECL to Total Loans 4.1% 3.5% -0.6% 3.6% 3.5% -0.1% NPL - gross 2.2% 2.2% 0.0% 2.0% 2.2% 0.2% NPL Coverage 190.2% 167.2% -23.0% 180.1% 167.2% -12.9% LAR 6.4% 5.7% -0.7% 6.0% 5.7% -0.3% LAR Coverage (incl. off B/S) 71.2% 68.7% -2.5% 66.5% 68.7% 2.2% *) CIR excluding subsidiary dividend (of Rp 2.2T) stood at 30.3%. Last year subsidiary dividend was paid in 4Q24 **) ROA and ROE excluding subsidiary dividend stood at 3.8% and 23.4%, respectively PT Bank Central Asia Tbk 5
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Longstanding track record
Sound underlying business... Loans CASA Equity
(CAGR 10 Years: Jun-15 vs Jun-25)
10.4% 11.0% 12.3%
Industry 7.7% 10.1% 9.3%
NII PPOP NPAT
9.5% 12.7% 13.0%
Industry 6.7% 8.4% 10.0%
Outstanding returns... Avg.ROA DPR*
Avg.ROE
3.6% 19.8% 67.4%
from 20.8%
Industry 2.8% 13.1% in 2013
Current balance sheet LDR LCR
CAR
provide room to grow...
28.4% 78.0% 289%
Industry 20.7% 87.8% 126% *
PT Bank Central Asia Tbk 6
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Thank You 7
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Appendix PT Bank Central Asia Tbk 8
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Loan growth driven by business segment
1 Loan Composition by Segment (Rp tn) 2 Loan by Segment (Rp tn)
Consumer SME Commercial Corporate
Consolidated Dec-24 Jun-25 YoY YtD QoQ
921.9 941.2 959.2
849.8 877.2
Corporate 429.5 451.8 16.1% 5.2% 1.9%
46.3% 47.1% 47.1%
45.8% 45.1% Commercial 135.3 143.6 12.6% 6.2% 4.5%
15.7% 16.3% 15.9% 15.5% 15.9%
SME 123.7 127.0 11.1% 2.6% 2.0%
13.7% 13.9% 13.5% 13.3% 13.3%
24.8% 24.7% 24.3% 24.1% 23.7% Consumer 223.8 226.4 7.6% 1.2% 0.2%
Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
- Mortgages 135.5 137.6 8.4% 1.6% 1.7%
3 Loans by Major Industries (Rp tn)
% YoY - Vehicles 65.3 65.4 5.2% 0.1% -2.6%
Manuf. 205.2 13.0%
- Personal Loans 23.0 23.4 9.4% 1.7% -0.5%
Trading 192.5 7.0%
Household 7.7% Sharia Financing 10.7 11.3 18.2% 5.1% 2.4%
165.9
Biz. Services 139.4 18.6% Total O/S Loans 921.9 959.2 12.9% 4.0% 1.9%
Transport. 70.8 9.6%
Total Facilities 1,335.9 1,388.6 10.0% 3.9% 1.7%
Construction 42.2 29.7%
Average Loan (YtD) 851.1 936.9 13.5% 10.1% 1.2%
Agriculture 41.1 9.8%
PT Bank Central Asia Tbk 9
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CASA outgrew industry
1 Third Party Fund Composition (Rp tn) 2 Third Party Funds (Rp tn)
Savings Current Accounts Time Deposits
Consolidated Dec-24 Jun-25 YoY YtD QoQ
1,193.4 1,189.8
1,125.1 1,125.6 1,133.6
17.9% 17.5% CASA 924.0 982.1 7.3% 6.3% 0.3%
18.7% 18.7% 18.5%
32.1% 32.4% Current Accounts 361.9 385.5 9.2% 6.5% 0.7%
31.4% 31.3% 31.9%
82.5%
Savings Accounts 562.1 596.7 6.1% 6.1% 0.0%
50.0% 50.0% 49.6% 50.0% 50.1%
Time Deposits 209.6 207.7 -1.1% -0.9% -3.0%
Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
Third Party Funds 1,133.6 1,189.8 5.7% 5.0% -0.3%
3 Total Asset Under Management (AUM)
292 Rp Tn Third Party Funds + AUM 1,402.0 1,482.2 9.3% 5.7% 0.6%
268
199 Bonds
(27% YoY) Average CASA (YtD) 909.7 956.7 6.5% 5.2% 1.7%
139
87 Mutual Average CA 357.5 379.9 7.9% 6.3% 1.9%
Funds
(28% YoY) Average SA 552.2 576.8 5.6% 4.5% 1.6%
PT Bank Central Asia Tbk 10
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DISCLAIMER This Presentation has been prepared by PT Bank Central Asia Tbk (“BCA”) for information purposes only. This Presentation including any information, estimation and/or projections contained herein or provided by BCA in any other written or verbal communication (the “Information”) does not constitute a commitment or recommendation or advice by BCA. This Presentation does not purport to contain all of the Information that may be required or desirable to evaluate all of the factors that might be relevant to a recipient considering investing in BCA and any recipient hereof should conduct its own investigation and analysis in order to make an independent determination of the suitability and consequences of entering into or participating in any investment or transaction related to BCA. Under no circumstances is this Information to be used or considered as an offer to sell, or a solicitation of an offer to buy, a participating interest or any security or a recommendation that a recipient hereof should enter into or participate in any transaction related to BCA, buy or sell any participating interest or security, or otherwise make any investment decision. BCA reserves the right to amend, update or replace all or any part of the Information at any time but shall not be under any obligation to provide any recipient of this Presentation with any notice of such amended, updated or replacement information or to correct any inaccuracies herein which may become apparent. By accepting, receiving and/or viewing this Information Presentation, the recipient hereby acknowledges and agrees that neither BCA nor any of its subsidiaries, its affiliates, employees, directors, commissioners, representatives or advisors make any guarantee, representation, warranty or undertaking, express or implied, as to the fairness, accuracy, reliability, correctness, reasonableness or completeness of the Information. Therefore, neither BCA nor its subsidiaries, affiliates, employees, directors, commissioners, representatives or advisors shall have any liability arising from or in connection with any Information provided by BCA (whether written or verbal communication. No reliance should be placed on such Information. BCA, its subsidiaries, affiliates, employees, directors, commissioners, representatives or advisors will not be liable for any losses and/or damages in connection with the use of this report and/or any action taken in reliance upon the whole or any part of the content of this Presentation. Nothing in this Presentation should be construed as legal, tax, financial, business or investment advice. By attending the meeting where the Presentation is made, or by accepting and viewing/reading this Presentation, you acknowledge and agree to the above disclaimer and/or limitations in this Presentation. PT Bank Central Asia Tbk 11
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