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PT. Bank Central Asia Tbk Public Expose 2025 Jakarta, 11 September 2025
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Agenda • Economic Highlights • Banking Industry Updates • 1H25 Performance Overview • Sustainable Finance and ESG • Share Data, Ratings & Awards Public Expose 2025 PT Bank Central Asia Tbk 2
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Economic Highlights
1H25 Performance Sustainable Finance Share Data, Ratings
Economic Highlights Banking Industry Updates
Public Expose 2025 Overview & ESG & Awards PT Bank Central Asia Tbk 3
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Economic highlights (1/2)
1 GDP grew at a moderate pace 2 Trade balance rebounded from low level in April
20 % YoY 8 USD Bn
Indonesia nominal GDP
growth
15
Trade Balance global trade impact from
first proposal on US tariff
4.3
10 4
7.14
5 4.87
Indonesia real GDP growth
Source: Statistics Indonesia Source: Statistics Indonesia
0 0
Mar-22 Mar-23 Mar-24 Mar-25 Jan-22 Aug-22 Mar-23 Oct-23 May-24 Dec-24 May-25
3 Business turnover accelerated sharply 4 Consumer spending remained slow
Index (Jul 23 = 100) Index (Jul 23 = 100)
130 110
BCA Business Transaction Index BCA Consumer Spending Index
104.8
123.9 Aug 24 – Jul 25
Aug 24 – Jul 25
120
103.8
Aug 23 – Jul 24
100
110.9
110 Aug 23 – Jul 24
90
100
Source: BCA Economic Research Source: BCA Economic Research
90 80
Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul
Public Expose 2025 PT Bank Central Asia Tbk 4
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Economic highlights (2/2)
5 ST sovereign rates started to come down 6 LT sovereign rates declined on stronger foreign flow
8% 17,000 8% bps 180
USD/IDR 16,393
7 10-year gov bond 5-year CDS
16,000 7.5 135
6
5.57
15,000 7 90
SRBI (1-year) 5.25
5 72.7
BI-Rate 14,000 6.5
6.54
45
4
Source: Bloomberg Source: Bloomberg
3 13,000 6 0
Jan-22 May-23 Sep-24 Jul-25 Jan-22 Aug-22 Mar-23 Oct-23 May-24 Dec-24 Jul-25
7 Signs of Government spending recovery entering H2-25 8 .. ample savings for upcoming fiscal spending
400 IDR Tn 2,000 IDR Tn
YoY Govt Spending (Cumulative from Beg of Year) ― Government savings
Regional gov
Central gov at banks
1,500
Source: BI, MoF
Central gov at BI
200 1,243
217
1,000
9 378
0
500
648
Source: MoF = New Fiscal Year on 1st of Jan
-200 0
Jan-22 Jul-22 Jan-23 Jul-23 Jan-24 Jul-24 Jan-25 Jun-25 Jan-22 Jun-22 Nov-22 Apr-23 Sep-23 Feb-24 Jul-24 Dec-24 May-25
Public Expose 2025 PT Bank Central Asia Tbk 5
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Banking Industry Updates
Banking Industry Updates 1H25 Performance Sustainable Finance Share Data, Ratings
Public Expose 2025 Economic Highlights PT Bank Central Asia Tbk 6
Overview & ESG & Awards
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Banking industry (1/2)
1 Money supply and deposits grew at a modest pace 2 Modest deposit growth & high LDR limit loan growth
YoY Growth
18.1% 90.1% 90.3% LDR
13.6% 85.6%
14.0%
80.5%
79.4%
12.2%
9.4%
8.4% 4.8% 11.0% 10.3%
3.8% 9.7%
4.4% 4.9% M2 8.1% Loans YoY
3.5% 4.8% CASA 4.9%
2.9% 4.1% 3.8% Deposits
2021 2022 2023 2024 May-25 2021 2022 2023 2024 May-25
Source: BI (SEKI) Source: BI (SEKI)
3 Deposits growth driven by private company 4 Gov’t bond & mutual fund reached 27% of Individual deposits
Rp tn YoY Rp tn
Total YoY
Deposits
Gov’t Bond & Mutual
YoY
Fund / Indiv. Deposits
Total Deposits 4.9%
SOE
8.0%
Private Co. Mutual Funds
YoY: +6%
Individuals -0.1% Gov’t Bond
YoY +16%
Source: BI (SEKI) Source: Ministry of Finance, OJK Mutual Funds
Public Expose 2025 PT Bank Central Asia Tbk 7
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Banking industry (2/2)
5 Liquidity has slightly improved 6 Special Mention Loans is on the rise
400 7.0
4.7% SML
O/S Repo INDONIA (Interbank
4.3%
350 Overnight Rate) 4.1% 4.2%
6.5
300 Repo mkt has cooled 3.8%
down; Indonia rate 6.0
250
declined 3.0%
200 5.5
150 5.2 2.4%
5.0 2.2% 2.2% NPL
2.1%
100
43.1 4.5
50
0 4.0
Jan-25 Feb-25 Mar-25 Apr-25 Jun-25 Jul-25 2021 2022 2023 2024 Apr-25
Source: OJK (SPI)
7 NIM easing, cost to income ratio was manageable 8 ROA & ROE remained resilient
39.6% 14.5% 14.8% ROE
38.7% 38.7% 14.3%
37.6% 38.1% CIR 13.0%
9.8%
4.8% 4.9%
4.6% 4.7%
4.6% NIM
2.0% 2.3% 2.2% 2.2% ROA
1.5%
After Tax
2021 2022 2023 2024 Apr-25 2021 2022 2023 2024 Apr-25
Source: OJK (SPI)
Source: BCA analysis
Public Expose 2025 PT Bank Central Asia Tbk 8
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1H25 Performance Overview
Banking Industry Updates 1H25 Performance Sustainable Finance Share Data, Ratings
Public Expose 2025 Economic Highlights PT Bank Central Asia Tbk 9
Overview & ESG & Awards
Page 10
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%
Public Expose 2025 PT Bank Central Asia Tbk 10
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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%
Public Expose 2025 PT Bank Central Asia Tbk 11
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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 Public Expose 2025 PT Bank Central Asia Tbk 12
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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%
Public Expose 2025 PT Bank Central Asia Tbk 13
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Corporate loans recorded solid growth
1 Investment Loan Facilities and Utilization Rate 2 Working Capital Loan Facilities and Utilization Rate
• YtD rose 7.3% • Stable utilization rate (YoY)
82% 82% 81% 80% Utilization Rate (%) Utilization
79% 71% 69%
69% 69% 68% Rate (%)
314 315 Facilities (Rp tn)
273 284 293 Facilities (Rp tn) 278 272 294
250 247 YoY: +13%
YoY: +17%
Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
3 Corporate Loans by Use 4 Well-diversified sectors
• Investment loans accounted for 52% of total corporate loans
+16% 452 OS (Rp tn)
389
Investment
52% Financial Infrastructure Property &
51% +19% YoY F&B Telco
Services Construction
Working
49% 48% Capital
+14% YoY
Transportation Automotive Edible Oil Consumer Power
Jun-24 Jun-25 Financing Energy
Public Expose 2025 PT Bank Central Asia Tbk 14
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SME loans: 11% YoY growth with higher utilization rate
1 BCA vs Industry SME Loan Growth (YoY) 2 BCA SME Loan Facilities and Utilization Rate
14.2% 14.8%
12.6% 12.9% 11.1% BCA 64% 64% 64% Utilization Rate (%)
63% 63%
6.7% Industry
4.1% 5.3% 5.3% 5.2% Ex Micro* 197 198 Loan Facilities (Rp tn)
194 YoY: +8.8%
188
182
Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
*) Industry Apr-25. Source OJK (SPI)
Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
• Customer base increased 50% over the last 4 years
3 BCA SME Loan by Region and YoY O/S Growth • Maintain double digit growth across regions
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Loan by
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Jun-25
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Growth Apply Now !
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Public Expose 2025 PT Bank Central Asia Tbk 15
Page 16
Mortgages new booking rose 35% on quarter
1 BCA vs Industry Mortgages Growth (YoY) 2 BCA Mortgages New Booking and Runoffs (Rp tn)
13.3
12.0 11.6
10.5
BCA 8.2 8.3 8.2
7.5 7.8 8.0
Industry Ex.
Subsidized* New Booking
Run Off
2Q-24 3Q-24 4Q-24 1Q-25 2Q-25
Source industry: OJK (SPI), peer banks financial reports
*) BCA internal calculation
• High single growth YoY
• Improved on quarter
3 BCA Mortgages by Region and YoY O/S Growth • Outside Java maintained double-digit growth
Mortgage Installment
Loan by
region
Simulation
YoY OS +9.1% +6.5% +10.3%
Growth
Public Expose 2025 PT Bank Central Asia Tbk 16
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Auto loans growth easing in line with the market
1 BCA vs Industry Auto Loan Growth (YoY) 2 BCA Auto Loan New Booking and Runoffs (Rp tn)
18.4% 17.9%
14.8%
11.9 12.2 12.1 12.1
11.5% 12.3% 10.7 10.5 10.3
11.0% 9.5 10.1
8.6
7.9%
5.8% 5.2% BCA New Booking
4.3% Industry* Run Off
Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 2Q-24 3Q-24 4Q-24 1Q-25 2Q-25
*) Industry: Source OJK (SPI) & Multi-finance Statistics Apr-25 Note: Numbers are adjusted due to BCAF & BCAMF merger
• Loan growth has eased, as market demand is slow
3 BCA Auto Loan – New Booking by Region & YoY Growth
Jakarta Java Ex. Jakarta Ex. Java
New
booking
by region 32.6% 43.5% 23.8%
https://kreditkerenbanget.com/
Jun-25
YoY Growth -7% -17% -10%
Notes: Industry New Car Sales (unit) declined 9.8% YoY (1H25)
Public Expose 2025 PT Bank Central Asia Tbk 17
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Consolidated LAR stood at 5.8%
1 Loan at Risk (LAR) (Rp tn) 2 Special Mention (Consolidated, Rp tn)
2.6% 2.4%
Consolidated Dec-24 Jun-25 ∆YoY ∆YtD ∆QoQ 2.1% 2.1% 2.2% SML Ratio
Current Restruct. 12.0 12.8 -4.4% 6.7% -24.3%
22.1 21.1 19.6 19.9 20.9 SML O/S
Special Mention 19.6 20.9 -5.4% 6.5% 4.9%
58.4% 52.9% 49.9% 50.0% ≤ 7 Days
NPL 16.0 20.5 13.4% 28.1% 9.7% 59.5%
Total LAR 47.6 54.2 1.2% 13.8% -2.4% 20.2%
21.8% 24.0% 8 - 30 Days
20.6% 20.2%
LAR Ratio 5.3% 5.8% -0.7% 0.5% -0.3% 13.8%
11.4% 11.3%
12.2% 13.8% 31 - 60 Days
9.6% 9.0% 13.1% 16.1% 12.2% > 60 Days
LAR Coverage 76.5% 68.5% -2.3% -8.0% 2.0%
Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
3 NPL (Consolidated, Rp tn) 4 Loan by Staging - Excl. Sharia & Cons. Receivables
2.2% 2.1% 2.0% 2.2% NPL Ratio Coverage ratio 1.5% 1.3% Jun-24 Jun-25
1.8%
(ECL on BS)
18.1 18.0 16.0 18.7 20.5 NPL O/S 897.6
Rp tn, Consol. 791.9
21.8% 22.2% 22.9% 22.5% 23.8% Consumer
15.9% 16.7% 15.5% 15.6% 16.6% SME 49.5% 41.3% 65.5% 63.9%
23.4% 23.8% 20.4% 21.0% 22.1% Commercial % Compo. 95.6% 95.8%
19.6 19.8 18.4 20.8
38.2% 36.5% 40.2% 40.0% 36.6% Corporate 2.4% 2.1% 2.0% 2.1%
Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Stage 1 Stage 2 Stage 3
Public Expose 2025 PT Bank Central Asia Tbk 18
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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%
Public Expose 2025 PT Bank Central Asia Tbk 19
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A Leading Franchise in Wealth Management
Bank of Choice for Onshore Investments Invest Online with Ease via myBCA app
• BCA is one of leading providers for onshore products (bonds Investment Features Online purchase of:
and mutual funds) within myBCA app
Primary Market Bonds
• Strong distribution via branches and online channel
Secondary Market Bonds
• BCA has been recognized as one of top sellers of Retail Mutual Funds
Government Bonds
Online access to:
• Government Bonds offer attractive yield during high-interest Investment
s
rate environment in a modest GDP Register Investor ID & Risk Profile
Government bonds:
Investment Transactions Set Investment Goals
Main contributor to AUM
View Investment Portfolio
YoY Growth
20% in investment Read Investment Insights
transactions
94% New Product
Awards From Ministry of Finance
AUM of investment
Republic of Indonesia 2024:
>80% transactions are
done online “Primary Dealer and Best
Distribution Partner for
As of Jun-25 Government Securities”
Public Expose 2025 PT Bank Central Asia Tbk 20
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Transaction volume rose 78% in 3 year
End-to-end Supply Chain
1H25
Supplier Principal Large-sized Distributor Mid-sized Distributor Retailer End customer
No. of Customers
Powered by Integrated and Trusted Channels 33.8 million
+21% in 3 yrs
1 Online Business Banking 2 Merchant Point-of-Sales 3 Two Leading
(POS) & Merchant Apps Mobile Banking Apps
Robust transaction
volume in 1H25:
Virtual Host-to-
Host
+78% in 3 yrs
API BCA Account Payment
BCA Settlement
4 1,264 5 Cash Deposit & 6 24/7 Mobile Banking
Branches Withdrawal Machines Contact Center Transaction
per User
+76% in 3 yrs
Public Expose 2025 PT Bank Central Asia Tbk 21
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Two leading mobile apps for customer choice
1 Mobile & Internet Banking Trx Volume 2 Mobile & Internet Banking Trx Value
BCA mobile myBCA
Since 2011 Since 2021
YoY YoY
>60% Account
3 Mobile Banking Transaction per User
Opened via online in 1H25
25% 25% 25% YoY
18%
Open Account on myBCA
Popular mobile Newer apps for
apps for seamless connectivity
with Overseas Phone
transactions (no. of users more Number
than doubled YoY)
2022 2023 2024 1H25
Public Expose 2025 PT Bank Central Asia Tbk 22
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Feature enrichments for better customer experience
Popular features Recently-added features
Multi-currency Wallet Financial Diary Access to BCA Sekuritas Portfolio
Multi-currency wallet for Financial Records: View BCA Sekuritas
foreign currency transactions Account Transfer Shopping
• Real time notification portfolio information
(17 major currencies available) Bill Payments Others
for incoming and (stocks, bonds, cash,
outgoing funds etc.) in real-time thru
NFC Tap to Pay
Investment • Detailed cash flow myBCA
classification for the
Ease of payment by simply past 3 months Outward Remittance:
tapping to the EDC machine New Currency Option
myBCA all-in-one Control
Control all products through myBCA Outward Remittance
Cross-border QR Ease of access and control to debit and with local currency
credit card options - added KRW
Overseas payment
transactions using QR code Full access to all BCA banking products
Applicable in Singapore, Malaysia, (e-deposit, credit card, auto-loan, and Other Recent Enhancements
and Thailand others)
All information available in one MyBCA Keyboard – transact while
Quick Access to Subsidiaries’ Apps account including investments chatting or taking notes
Quick Access to BCA’s Subsidiaries’ Apps in Product recommendation and promos Lifestyle – Purchase transportation,
myBCA App according to customer needs (i.e. attraction, and groceries
adding BCA Insurance partners) Payments – Additional payment billers
BCA
Sekuritas Transaction History accessible under Set Transaction limits – for Debit Card
“Activity” feature Contactless and Trx abroad and more…
Public Expose 2025 PT Bank Central Asia Tbk 23
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Comprehensive solutions for business banking
B2B2C B2C
A long-standing track record of online platform Constantly Enlarging the Acceptance Ecosystem
• Ease in managing payments and
transaction information FCY Transfer Forex Virtual
Account One of the largest Wide acceptance of
merchant POS (Point- Mobile App for new Credit and Debit
• Robust collection & receivable of-Sales) networks in merchant acquisitions cards, QR code, to
management Bulk Indonesia and merchant services contactless payments
Supply Chain Payroll Payments
Since: 2004 Financing
and others..
Online platform rejuvenation
• Rolling out Ocean, a gateway to trusted partners, enlarging the ecosystem
• Launching as the new gen of online business banking,
taking digital experience to the next level
• Expanding one-stop comprehensive solutions
QR code transaction freq.
2.2x YoY
1H25
Since: Feb 2025
FCY Transfer Insurance Product Leave Single Access Developer Serving merchant ecosystems in various businesses…
Recomm. Contact API
Tax Auto Business e-Commerce
HR Mgt. and others..
Assistance Financing Insights Merchant Portal
Auto Entertainment F&B Fashion Groceries Household Travel and others..
Public Expose 2025 PT Bank Central Asia Tbk 24
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Transformation of off-line channels to boost productivity
Branch presence and ~60% ~30%
of total transactions at branch reduction in
productivity is pivotal
done via self-assisted machines transaction time
given:
• Rising number Self Assisted Machines In-person Banking
of customers • Cash deposits and withdrawals Switch to
Contactless Card
• Offering value-added services: loans, FX,
• High frequency of non-cash wealth management, merchant solutions, etc.
• Robust growth of services, i.e.: account opening,
bank card replacement,
transaction volume
1,264 statement printout and e-
channel registration
CS digital
branches
• Highly dynamic • Attended by BCA Officers
customer needs
• More sophisticated
>>
~75% >>
~ Rp10 bn
product offering of ATMS are Deposit and transactions per machine
19.9k Withdrawal Machines per month
ATMs
Contribution from branch and ATM remained significant, >34% of total transaction value
Public Expose 2025 PT Bank Central Asia Tbk 25
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Sustainable Finance and ESG
• Economic Aspect
• Environment
• Social
• Governance
Banking Industry Updates 1H25 Performance Sustainable Finance Share Data, Ratings
Public Expose 2025 Economic Highlights PT Bank Central Asia Tbk 26
Overview & ESG & Awards
Page 27
Sustainable Financing grew 21% YoY
Sustainable Financing portfolio >> Tapping various opportunities :
Outstanding (Rp Trillion) EV Financing Sustainability Linked Loan
YoY
21.1%
240 Outstanding Outstanding
229
203 198 Rp 3,194 bn Rp 2,629 bn
184
Green 103 34.6%
Financing 99 ▲ 118% YoY ▲ 8x YoY
82 87 77
MSME
Financing 102 116 130 121 136 12.6%
Investment in Green
Renewable Energy Financing
Corporate Bonds
Dec-22 Dec-23 Dec 24 Jun 24 Jun 25
% to total Total Capacity
portfolio 25.5% 24.9% 24.8% 23.2% 24.9% Rp 2,279 bn
214 MW
▲ 39% YoY
Outstanding 4.2 Trillion
>> Strong commitment in promoting Sustainable Palm Oil :
Special Program for SME Debtors
ISPO and/or RSPO Certifications Dec-20 Jun-25 Special Multipurpose Loan for Spesial Rate for SME Debtors
# Palm Oil Corporate Debtors with Certifications 48 76 Women Debtors engaged in ESG Sectors
% of Corporate Certified Palm Oil Debtors 36% 88% Outstanding Outstanding
Rp 934 bn Rp 25.5 bn
% of Certified Palm Oil Loan Outstanding 45% 71%
Public Expose 2025 PT Bank Central Asia Tbk 27
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Supporting MSME : From Incubation to Market Access
Special Program to Support Women Entrepreneurs
BCA
Special Multipurpose Loan Kartini Multipurpose Loan BCA Kartini Talkshow
Ease of financial solution for women MSMEs through
special rate loan.
BCA Kartini Talkshow
Talkshow event for 250 women entrepreneurs to
share and connect with the expert.
Expanding Market Access for MSMEs
National & Global Market Access
Supporting MSMEs in obtaining Halal Certification and
incubating selected businesses through the Go-Export Incubation
program for global market access.
Indonesia MSME
Bangga Lokal Program
Supporting >1,400 MSMEs to improve quality &
competitiveness through mentoring, promotion,
expanding market access, and providing payment
facilities. More info: bca.id/banggalokal
Public Expose 2025 PT Bank Central Asia Tbk 28
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Managing Waste with Purpose : Environment & Social Impact
(Jan - Jun 2025)
Recycled waste Environmental Impact
Expired Archives
400 tCO2eq
279 ton Carbon avoidance
Electronic Waste Waste recycled from recycled waste
Cards
Social Impact
Organic
Supporting circular
economy through
local involvement
Non-organic
100% of the proceeds are
distributed to Yayasan Bakti BCA
Hazardous scholarships
Public Expose 2025 PT Bank Central Asia Tbk 29
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Creating value beyond business by building trust and empowering lives
Expanding Access to Quality Education for Young Generations Financial Inclusion & Literacy for the Underserved
BCA Business Case Competition Access to Products & services Financial Literacy for underserved
Annual national competition for 1,264 branch offices
across 36 provinces >42,000 Participants in 26
Indonesia’s university students. provinces across Indonesia
~19.9k ATMs in 273 cities
Providing access to mentoring,
workshops, real business cases, and
Access for Disabilities Micro-business Loan
networking opportunities.
13 ‘ATM Wicara’ & Financing to 1,074 micro-business
Sign language ‘HearMe’ amounted Rp 336 billion
Genera-Z Berbakti feature in myBCA store
Engaging young generations to
actualize idea & innovation in
Providing Community Health Assisstance
community empowerment program.
Accelerating
2,500 university students join the 214 patients Stunting
program Presbyopia glasses & Reduction in
cataract surgeries Rural Area
BCA Berbagi Ilmu
Practical knowledge sharing, involving 6,500 patients • Community-based approach, targeting
experts, practitioners, and BCA Medical assistance high-risk families in villages
Directors for 2,200 students. • Rp7.5 bn disbursed
1,339 bags • 521 local communities involved in
The objectives is to prepare qualified Blood donation education, monitoring, parenting
and competitive young generations. training, providing sanitation, etc.
Public Expose 2025 PT Bank Central Asia Tbk 30
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Recognitions of Good Governance and overall ESG
ASEAN Corporate Governance MSCI Indonesia Index FTSE4Good ASEAN 5 Index
Scorecard Rating Top 10 Constituents Top 10 Constituents
106.6
101.9 BCA constituents of:
• IDX ESG Leaders Index
85.2
BCA 77.0 • SRI – KEHATI Index
Average 67.0 70.0 • ESG Quality 45 IDX – KEHATI
Regional • ESG Sector Leaders IDX – KEHATI
Last update: May 2025 Last update: June 2025 Last update: April 2025
2017 2019 2021
The Indonesian Institute for FIHRRST Thomson Reuters - Refinitiv Dow Jones Sustainability Index
Corporate Directorship (IICD) Best Sustainability Report ESG Scores S&P Global CSA
Corporate Governance Award
Rating A+ Rating A Score 50
“Best Overall” award
at IICD Corporate Rank percentile 83rd
Governance
Conference & Award
For 3 consecutive years
(2022-2024) Last update: Dec 2024 - Annually Last update: June 2025 Last update: Aug 2024 - Annually
Public Expose 2025 PT Bank Central Asia Tbk 31
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Share Data, Ratings & Awards
Banking Industry Updates 1H25 Performance Sustainable Finance Share Data, Ratings
Public Expose 2025 Economic Highlights PT Bank Central Asia Tbk 32
Overview & ESG &Awards
Page 33
BCA share performance & rating
BCA Shareholding Structure (30 June 2025) Performance BBCA vs IDX Finance Index
Ownership (Relative price up to 29 Jul 2025 against 1 Jan 2018)
Number
of Shares 148.9%
Percentage 150%
BCA Share Price 135.7%
PT Dwimuria Investama Andalan* 67,729,950,000 54.94% 130% 126.0%
112.3% 114.6%
110%
Public** 55,545,100,000 45.04%
87.2%
90%
Treasury Stock 28,317,400 0.02% 92.9%
67.7%
70% 91.8%
56.4%
Total 123,275,050,000 100.00% IDX Finance Index
50% 41.8%
32.6% 34.5% 38.1%
* The shareholders of PT Dwimuria Investama Andalan are Mr. Robert Budi Hartono and Mr. Bambang 25.7% 28.1%
30%
Hartono, therefore the ultimate shareholders of BCA are Mr. Robert Budi Hartono and Mr. Bambang
Hartono. 10%
** Under this composition, 2.49% of shares belong to parties affiliated with PT Dwimuria Investama
-10%
Andalan.
-30% -25.8%
Jan-18 Nov-18 Oct-19 Oct-20 Oct-21 Sep-22 Aug-23 Jul-24 Jul-25
Fitch Ratings Pefindo Ratings
As of May 2025 As of March 2025
Description Rating Description Rating
Market Cap BCA: Rp1,047 tn (29 Jul 25)
Outlook Stable Corporate Rating idAAA/Stable “The Largest in Indonesia”
Long-Term IDR BBB Shelf Registration
idAA/Stable
Sub Bond I
Short-Term IDR F3 CAGR BCA Share Price: +15.0%
National Long-Term AAA (idn) (3 Years: Jul-22 to Jul-25)
National Short-Term F1+ (idn)
Viability bbb CAGR IDX Finance Share Price: -2.5%
Government Support bbb- (3 Years: Jul-22 to Jul-25)
Public Expose 2025 PT Bank Central Asia Tbk 33
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Selected awards and recognitions - 2025
Best Bank
Time Magazine
Asia-Pacific Best Companies of 2025 The Asian Banker Euromoney
• #8 in Indonesia TAB Excellence in Retail Finance Private Banking Awards 2025
• #196 in Asia Pacific Awards 2025 • Indonesia’s Best Private Bank
• #40 in Banking & Financial Services The Best Retail Bank in Indonesia • Indonesia’s Best for Next Gen
International Investor Gallup International Brand Finance
Institutional Investor Awards 2025 Gallup Global Customer Engagement World’s Strongest Banking Brand
• Best of Community Development • Customer Engagement 2025
Program – Bakti BCA Recognition – 90th percentile Strongest Banking Brands 2025
• Best Media Relation Campaign #1 in APAC (score of 97,1/100)
Fortune Southeast Asia Extel
The Iconomics Fortune Southeast Asia 500 2025 Asia Executive Team
• Indonesia Best 50 CEO Awards #36 Fortune Southeast Asia • #1 Best Investor Relations
2025 “Employee’s Choice” #6 Fortune Indonesia Program (combined)
(6thAnniversary) - CEO • #1 Best ESG (buy side) and
• 4th Anniversary Indonesia Inspiring #2 Best ESG (sell side)
Women Awards 2025 - CFO • #1 Company board (Combined)
Corporate Governance Asia
HR Asia Asian Excellence Award Forbes
• Best Companies to Work for in Asia • Best Investor Relations Company
World’s Best Bank 2025
• Most Caring Companies Award (Indonesia)
• #1 World’s Best Bank in
• Best Corporate Communication
Indonesia
• Asia’s Best CSR
• Sustainable Asia Award
Public Expose 2025 PT Bank Central Asia Tbk 34
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Publications in BCA website (www.bca.co.id)
Scan QR or Click Image to access the file
Audited / Long
Corporate Presentations Form Reports Short Form Reports
30 Jun
2025
(tidak diaudit) PT Bank Central Asia Tbk
Financial Statements
1H25
PT Bank Central Asia Tbk
1H25 Results
30 July 2025
Economic Reports Annual Reports Sustainability
(incl. GCG) Reports
Public Expose 2025 PT Bank Central Asia Tbk 35
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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. Public Expose 2025 PT Bank Central Asia Tbk 36
Page 37
Thank you 37
Names mentioned 12 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Ministry of Finance
p.7
unresolved
org
Ministry of Finance AUM
p.20
unresolved
org
Yayasan Bakti BCA Hazardous
p.29
unresolved
org
PT Dwimuria Investama Andalan
p.33 ×2
unresolved
org
Bank Time Magazine Asia-Pacific Best Companies
p.34
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