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PT Bank Central Asia Tbk
Public Expose 2026
9 September 2026
Page 2
Agenda • Economic Highlights • Banking Industry Updates • 1H26 Performance Overview • Sustainable Finance and ESG • Share Data, Ratings & Awards Public Expose 2026 PT Bank Central Asia Tbk 2
Page 3
Economic Highlights
1H26 Performance Sustainable Finance Share Data, Ratings
Economic Highlights Banking Industry Updates
Public Expose 2026 Overview & ESG & Awards PT Bank Central Asia Tbk 3
Page 4
Economic Highlights (1/2)
1 Business transactions move sideways in the last 12-m 2 Consumer spending flattens since early 2026
130
160 Index Jan-25 = 100
Index Jan-25 = 100
2024 2025 2026 149.16 2024 2025 2026
121.25
120
140
128.28 110.24
120.04 110 106.12
120
107.68 97.38
100
96.94
100
90
95.31
80 80
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Source: BCA Big Data
Source: BCA Big Data
3 Indonesia manufacturing PMI rebounded in Jul26 4 Sustained CPO and Copper prices
56
PMI Manufaktur 140
Index Jan-26 = 100
53.8 134.2
54
52 50.2 120
46.9 112.4
50
104.4
48 100
46 Coal CPO Copper
44 80
Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Jul-26 Aug-26
42
Jan-24 Apr-24 Jul-24 Oct-24 Jan-25 Apr-25 Jul-25 Oct-25 Jan-26 Apr-26 Jul-26
Source: Bloomberg (until 19 Aug 2026)
Public Expose 2026 Source: SnP global PT Bank Central Asia Tbk 4
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Economic Highlights (2/2) Always by your side
5 Fuel prices are partly subsidized to manage inflation 6 Spend some FX reserve to manage IDR depreciation
Oil price growth and inflation FX Reserve and USD/IDR
160 Bn USD 15,000
90 6 FX reserves USD/IDR
(inverted)
16,000
60 4 150
Inflation (%)
2.88 145.3
(Jul) 17,000
30 2
29.9
140 17,858
18,000
0 0
Oil price
Source: Bloomberg
-30
(YoY%) 130
-2 Source: Bloomberg, BCA Economic Research
19,000
Jan-24 Jun-24 Nov-24 Apr-25 Oct-25 Mar-26 Aug-26
Jan-24 Jul-24 Jan-25 Jul-25 Jan-26 Aug-26 as of 13th Jul 26 Source: BI
7 Rising yield YtD as Rp depreciation and inflation risk linger… 8 …net foreign outflow recently eased
Yield of: 100 IDR Tn
8
% ◼ SRBI 12M ◼ UST 12M SRBI 12M 200 77,6
◼ Govt 5Y gross issuance 7.37 18.9
7 160 21.0
6.78 0
6
120
-89,0
5
80
4 4.01 -100
40 Net foreign flow from:
3 ◼ Stocks
25
2 -
◼ Bonds Source: Bloomberg, BCA Economic
Jan/24 Apr/24 Aug/24 Dec/24 Apr/25 Aug/25 Dec/25 Apr/26 Aug/26 ◼ SRBI Research (21 Aug 26)
-200
SRBI auction SBN 5y SRBI 1y UST 1y Jan '25 Apr '25 Jul '25 Oct '25 Jan '26 May '26 Aug '26
Public Expose 2026 Source: Bloomberg, BI, as of 24 Aug 2026
5
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Banking Industry Updates
Banking Industry Updates 1H26 Performance Sustainable Finance Share Data, Ratings
Public Expose 2026 Economic Highlights PT Bank Central Asia Tbk 6
Overview & ESG & Awards
Page 7
Banking industry (1/2)
1 Deposit growth eased 2 Sustained loan growth supported by public sector
YoY 87.6% 84.3% 85.4% LDR **
83.2%
76.6% 78.1% YoY: -1.8%
YtD: 1.1%
M2 11.2% 10.9% Loan YoY**
10.5%
YtD: +2.9% 9.9% 9.3% YtD: +3.6%
Deposits **
YtD: +2.0%
CASA **
YtD: +2.1%
4.9%
2021 2022 2023 2024 2025 May-26
Source: BI (SEKI) Source: BI (SEKI)
** As of Jun-26 excluding Central Gov’t Deposits: +8.1% YoY, CASA: +9.2% YoY ** As of Jun-26 excluding Central Gov’t Loans: +12.7% YoY
3 Individual deposits recorded slow growth 4 Individual investments: shifting preference toward gold
in Rp trillion Public asset allocation (% of income)
Total Deposits
% YtD % YoY
Saving
6.5% 26.8% SOE & Gov’t
Gold/Jewelry
1.4% 12.1% Private Co.
Property
1.1% 2.8% Individuals Others
Equity/
Mutual Funds
Public Expose 2026 Source: BI (SEKI) Source: BI (Customer Expectation Survey) PT Bank Central Asia Tbk 7
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Banking industry (2/2)
5 Ytd, loan yield declined faster than cost of funds 5
6 Banking sector saw weaker NIM
9.05% 8.94%
8.71% 8.53% 8.63% Loan Yield
8.11% YoY: -0.49% 4.92%
YtD: -0.52% 4.80%
4.72% Industry NIM
4.63% YoY: -0.04%
2.85% 2.80% Deposits CoF 4.56% 4.52%
2.46% 2.43% YoY: -0.48% YtD: -0.04%
2.02%
1.70% YtD: -0.37%
2021 2022 2023 2024 2025 May-26 2021 2022 2023 2024 2025 May-26
Source: OJK (SPI) Source: OJK (SPI)
7 Nominal NPL increased Ytd 8 … so does nominal LAR
3.0%
2.4% 2.4% 2.2% 19.5%
2.1% 2.1% NPL Ratio
14.1%
10.9% 9.3%
193 NPL Abs. 1,124 8.8% 8.7% LAR Ratio
173 168 176 YoY: +5.7%
157 163 903
YtD: +9.8% 776 753 778 LAR Abs.
726
YoY: -2.1%
YtD: +3.3%
2021 2022 2023 2024 2025 May-26 2021 2022 2023 2024 2025 May-26
Source: OJK (SPI) Source: OJK (SPI)
Public Expose 2026 PT Bank Central Asia Tbk 8
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1H26 Performance Overview
Banking Industry Updates 1H26 Performance Sustainable Finance Share Data, Ratings
Public Expose 2026 Economic Highlights PT Bank Central Asia Tbk 9
Overview & ESG & Awards
Page 10
CASA grew 10.2% YoY, loans increased 8%
Consolidated (Rp tn) Jun-25 Dec-25 Mar-26 Jun-26 YoY YtD QoQ
Total Assets 1,504 1,587 1,641 1,661 10.4% 4.6% 1.2%
Secondary Reserves &
433 477 524 511 18.1% 7.2% -2.5%
Marketable Securities
Loans 959 993 994 1,036 8.0% 4.3% 4.2%
Third Party Funds 1,190 1,249 1,292 1,284 7.9% 2.8% -0.6%
CASA 982 1,045 1,089 1,082 10.2% 3.5% -0.6%
Current Accounts 385 434 452 444 15.3% 2.3% -1.7%
Savings Accounts 597 611 637 638 6.9% 4.4% 0.1%
Time Deposits 208 204 203 202 -2.8% -1.0% -0.8%
Equity 262 281 259 270 3.4% -3.9% 4.4%
Public Expose 2026 PT Bank Central Asia Tbk 10
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Positive PPOP growth
Consolidated (Rp tn) 1H-25 1H-26 YoY 1Q-26 2Q-26 QoQ
Operating Income 54.6 55.8 2.2% 27.8 28.0 0.8%
Net Interest Income 42.6 42.4 -0.6% 21.1 21.3 1.3%
Non Interest Income 11.9 13.2 11.0% 6.6 6.6 -1.0%
Fees and Commissions 9.9 11.0 11.2% 5.5 5.5 -0.2%
Trading Income 1.7 1.8 6.5% 0.9 0.9 -5.8%
Others 0.3 0.4 30.6% 0.2 0.2 -2.9%
Net Insurance Income* 0.1 0.2 128.4% 0.1 0.1 48.9%
Operating Expenses 17.2 17.4 1.5% 8.5 8.9 4.6%
Manpower 9.1 9.0 -1.2% 4.7 4.2 -10.6%
General & Administrative 8.1 8.5 4.6% 3.8 4.7 23.7%
PPOP (Pre-Provision Operating Profit) 37.5 38.4 2.5% 19.3 19.1 -0.8%
Provision incl. Loan Recovery 1.9 1.8 -4.4% 1.2 0.6 -51.1%
Provision 2.2 2.5 11.6% 1.5 0.9 -38.0%
Loan Recovery (0.4) (0.7) 96.1% (0.3) (0.4) 8.9%
Net Profit 29.0 29.5 1.8% 14.7 14.9 1.1%
*) IFRS 17 effective in Dec-25
Public Expose 2026 PT Bank Central Asia Tbk 11
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Key Ratios
Bank Only 1H-25 1H-26 YoY 1Q-26 2Q-26 QoQ
Risk Adjusted NIM* 5.3% 4.8% -0.5% 4.8% 5.0% 0.2%
NIM 5.8% 5.3% -0.5% 5.4% 5.3% -0.1%
CoC (gross) 0.5% 0.5% 0.0% 0.6% 0.4% -0.2%
CoC (after recovery) 0.4% 0.3% -0.1% 0.4% 0.2% -0.2%
Cost to Income 29.1% 29.3% 0.2% 27.3% 31.7% 4.4%
ROA 4.1% 3.8% -0.3% 4.1% 3.6% -0.5%
ROE 25.2% 24.1% -1.1% 25.1% 23.1% -2.0%
CAR 28.4% 26.8% -1.6% 27.0% 26.8% -0.2%
CASA to Total Funding 83.4% 85.2% 1.8% 85.2% 85.2% 0.0%
LDR 78.0% 78.7% 0.7% 74.1% 78.7% 4.6%
NSFR 157.2% 154.9% -2.3% 159.9% 154.9% -5.0%
LCR 289.0% 277.6% -11.4% 305.7% 277.6% -28.1%
ECL to Total Loans 3.5% 3.0% -0.5% 3.1% 3.0% -0.1%
NPL - gross 2.2% 1.9% -0.3% 1.8% 1.9% 0.1%
NPL Coverage 167.2% 165.5% -1.7% 174.6% 165.5% -9.1%
LAR 5.7% 4.9% -0.8% 5.1% 4.9% -0.2%
LAR Coverage (incl. off B/S) 68.7% 68.7% 0.0% 69.7% 68.7% -1.0%
*) Risk Adjusted NIM = NIM – COC (gross)
Public Expose 2026 PT Bank Central Asia Tbk 12
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Business segment driving loan growth
1 Loan Composition by Segment (Rp tn) 2 Loan by Segment (Rp tn)
Consumer SME Commercial Corporate
Consolidated Dec-25 Jun-26 YoY YtD QoQ
992.9 993.8 1,035.6
959.3 944.1
Corporate 481.4 513.4 13.6% 6.7% 6.1%
48.2% 48.7% 49.6%
47.1% 46.3%
Commercial 144.3 153.9 7.2% 6.6% 6.0%
15.9% 16.1% 15.8% 15.6% 15.8%
SME 130.9 134.6 6.0% 2.9% 2.6%
13.3% 13.8% 13.3% 13.3% 13.1%
23.7% 23.8% 22.7% 22.4% 21.5% Consumer 224.2 221.0 -2.4% -1.4% -0.2%
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
- Mortgages 142.3 144.3 4.8% 1.4% 1.3%
3 Loan by Top Sector (Rp tn)
% Compo % YoY % QoQ - Vehicles 56.6 51.3 -21.5% -9.3% -4.7%
Manuf. 229.5 22.2% 11.8% 7.4%
- Personal Loans 25.3 25.4 8.2% 0.5% 1.0%
Trading 200.3 19.3% 4.1% 2.7%
Household 160.0 15.4% -3.6% -0.1% Sharia Financing 13.2 13.6 20.5% 2.9% 2.6%
Biz. Services 145.6 14.1% 4.4% 1.2%
Total O/S Loans 992.9 1,035.6 8.0% 4.3% 4.2%
Transport. 89.3 8.6% 26.1% 17.5%
Total Facilities 1,445.1 1,483.5 6.8% 2.7% 1.5%
Construction 44.5 4.3% 5.5% 0.8%
Agriculture 4.3% 7.7% 3.6% Average Loan 943.0 989.6 5.6% 4.9% 0.5%
44.2
Public Expose 2026 PT Bank Central Asia Tbk 13
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Corporate loan growth supported by investment loans
1 Investment Loan Facilities and Utilization Rate 2 Working Capital Loan Facilities and Utilization Rate
• Utilization continue grow • Utilization rate at 69%
Utilization
69% 69% Rate (%)
80% 78% 80% 81% 82% Utilization Rate (%) 68% 66%
64%
Facilities (Rp tn) Facilities (Rp tn)
324 330 345 YoY: +18% 328 326 333 YoY: +5%
293 305 315 315
Ytd: +7% Ytd: +2%
QoQ: +4% QoQ: +2%
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
3 Corporate Loans by Use 4 Corporate loan sectors
• Investment loans accelerated OS (Rp tn)
(% contribution to total corporate loans)
YoY: +14%
Ytd: +7%
513 QoQ: +6%
481
452
Investment
YoY: +21% Manuf. Biz. Services Transport. Trading
54% 55% (27%) (22%) (13%) (9%)
52% YtD: +10%
QoQ: +6%
Working Capital
45% YoY: +6%
48% 46%
YtD: +4% Utilities Mining Construction Agriculture
QoQ: +6% (8%) (7%) (7%) (7%)
Jun-25 Dec-25 Jun-26
Public Expose 2026 PT Bank Central Asia Tbk 14
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SME loans rose 6.0% YoY, stable utilization rate
1 BCA vs Industry SME Loan Growth (YoY) 2 BCA SME Loan Facilities and Utilization Rate
64% 64% 64% 64% Utilization Rate (%)
11.1% 63%
7.6% 6.0% BCA
5.6% 5.4%
210 Loan Facilities (Rp tn)
203 206 206 YoY: +5.8%
5.8%
198 Ytd: +2.1%
3.8% 3.2%
Industry QoQ: +1.7%
0.1% 0.2% ex micro*
4.7% 4.7% 4.6% 4.8% 5.0% NPL Industry
SME ex micro*
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
*) Industry May-26. Source OJK (SPI)
• Customer base increased 36% over the last 4 years
3 BCA SME Loan by Region and YoY O/S Growth • Preserving asset quality for sustainable growth
Jakarta Java Ex. Jakarta Ex. Java
Loan by Multipurpose Business Loan
Easy solutions for various business needs
region 38.4% 36.0% 25.6%
1H-26 Apply Now
OS YoY
+6.3% +6.5% +4.7%
Growth
Public Expose 2026 PT Bank Central Asia Tbk 15
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Mortgages new booking grew 10.2% YoY
1 BCA vs Industry Mortgages Growth (YoY) 2 BCA Mortgages New Booking and Runoffs (Rp tn)
8.4%
6.4%
5.0% 5.2% 4.8% BCA 12.2
10.5 11.1
9.8 9.2
7.6% 8.2 8.7 8.7 8.6 8.5
6.0%
4.8% Industry Ex.
3.7% New Booking
3.0% Subsidized*
Run Off
3.1% 3.3% 3.1% 3.2% 3.4% NPL Industry **
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 2Q-25 3Q-25 4Q-25 1Q-26 2Q-26
*) Source: Total OS mortgage of selected Top 12 Players (IMBA Data), excluding BTN’s subsidized loans.
**) NPL Industry May-26. Source OJK (SPI)
3 BCA Mortgages by Region – Positive Growth
Jakarta Java Ex Jakarta Ex Java
OS Loan
by region 54.8% 30.9% 14.3%
1H-26
YoY OS
+5.7% +2.2% +7.4%
Growth
Public Expose 2026 PT Bank Central Asia Tbk 16
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Auto loans: strategic playbook amidst industry dynamics
1 BCA vs Industry – Car Sales (in unit) 2 BCA Auto Loan New Booking and Runoffs (Rp tn)
YoY Growth
22.0% Industry 10.3 10.2 10.4
8.6 9.2 9.2
7.0%
1.0% -11.0% BCA*** 6.6
6.1 5.8 6.3
-10.0% -14.0%
New Booking
-38.0%
-45%
-46.0% Run Off
-56.0%
2.5% 2.7% 2.4% 2.6% 2.7% NPL Industry ** 2Q-25 3Q-25 4Q-25 1Q-26 2Q-26
Note: Numbers are adjusted due to BCAF & BCAMF merger
2Q25 3Q25 4Q25 1Q26 2Q26
*) Industry: Car Sales Data (retail sales), Gaikindo
**) NPL Industry May-26. Source OJK (SPI)
***) BCA growth data per May-26
3 BCA Auto Loan New Booking by Region
Jakarta Java Ex. Jakarta Ex. Java
New
booking
by region 37.1% 42.8% 20.0%
1H-26
YoY Growth -29.9% -39.3% -48.2%
Public Expose 2026 PT Bank Central Asia Tbk 17
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Consolidated LAR stood at 4.9%
1 Loan at Risk (LAR) (Rp tn) 2 LAR (Consolidated, Rp tn)
Consolidated Dec-25 Jun-26 ∆YoY ∆YtD ∆QoQ 5.8% 5.5%
4.8% 5.1% 4.9% LAR Ratio
Current Restruct. 12.4 11.6 -9.6% -6.5% -4.4%
Special Mention 17.8 19.5 -7.6% 9.4% 1.1% 54.0 51.1 46.7 49.2 49.9 LAR O/S
NPL 16.5 18.8 -7.0% 14.5% 6.3% 28.6% 30.7% 29.7% 31.2% 30.3% Consumer
15.2% 15.6% 14.2% 15.5% 16.2% SME
Total LAR 46.7 49.9 -7.9% 7.0% 1.6% 17.2% 15.7%
16.7% 17.2% 17.2% Commercial
LAR Ratio 4.8% 4.9% -0.9% 0.1% -0.2% 37.8% 35.7% 38.9% 34.7% 34.9% Corporate
LAR Coverage 72.0% 69.0% 0.5% -3.0% -0.9%
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
3 Special Mention (Consolidated, Rp tn) 4 NPL (Consolidated, Rp tn)
2.2% 2.1% 1.9% 1.9% SML Ratio 2.1%
1.8% 2.1%
1.7% 1.8% 1.8% NPL Ratio
21.1 19.8 17.8 19.3 19.5 SML O/S
20.3 19.3 16.5 17.7 18.8 NPL O/S
48.2% 50.3% 51.3% 50.0% Consumer 24.1% 26.0% 24.0% 25.4% 24.9% Consumer
52.3%
16.8% 18.3% 17.4% 18.1% 19.6% SME
17.2% 16.3% 15.2% 16.8% SME 21.1% 21.7% 18.5% 19.9% 20.8% Commercial
17.1%
14.1% 16.4% 15.0% 14.0% Commercial
15.7% 37.0% 38.9% 35.3%
33.0% 33.4% Corporate
18.5% 14.8% 16.2% 12.8% 17.1% Corporate
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
Public Expose 2026 PT Bank Central Asia Tbk 18
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Solid CASA & investment performance
1 Third Party Fund Composition (Rp tn) 2 Third Party Funds (Rp tn)
Savings Current Accounts Time Deposits
Consolidated Dec-25 Jun-26 YoY YtD QoQ
1,249.0 1,292.4 1,284.1
1,189.8 1,204.7
16.3% 15.7% 15.7%
17.5% 17.1% CASA 1,045.2 1,082.3 10.2% 3.5% -0.6%
34.8% 35.0% 34.6%
32.4% 33.5%
Current Accounts 434.5 444.5 15.3% 2.3% -1.7%
84.3%
Savings Accounts 610.8 637.8 6.9% 4.4% 0.1%
50.1% 49.4% 48.9% 49.3% 49.7%
Time Deposits 203.8 201.8 -2.8% -1.0% -0.8%
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
3 Third Party Funds 1,249.0 1,284.1 7.9% 2.8% -0.6%
Total Asset Under Management (AUM) (Rp tn)
339 Total AUM
313 (16% YoY) Third Party Funds + AUM 1,561.9 1,623.1 9.5% 3.9% 0.8%
268
199 Average CASA 980.5 1,072.5 12.1% 9.4% 0.9%
92% Bonds
139 92% (14% YoY)
94%
94% Average CA 396.0 449.9 18.4% 13.6% 0.5%
91%
Mutual Funds
9% 6% 6% 8% 8% (54% YoY) Average SA 584.5 622.7 8.0% 6.5% 1.1%
2022 2023 2024 2025 Jun-26
Public Expose 2026 PT Bank Central Asia Tbk 19
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Transaction volume rose 60% in 3 years
End-to-end Supply Chain
No. of Customers
Supplier Principal Large-sized Distributor Mid-sized Distributor Retailer End customer
32.9 mn
+9% in 3 yrs
1 Online Business Banking 2 Merchant Point-of-Sales (POS) 3 Two Leading
& Merchant Mobile Banking Apps
Apps
Virtual Account BCA
Host-to-Host Payment
Settlement
Next Gen Classic
Digital Transactions
API BCA Mobile Apps Mobile Apps contributed
Powered by Integrated and Trusted Channels
4 1,272 Branches 6 24/7 Contact 99.8%
5 Cash Deposit & Center of total
Withdrawal Machines transaction
volume
Public Expose 2026 PT Bank Central Asia Tbk 20
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Newer mobile app, myBCA, continues gaining traction
BCA myBCA
mobile Since myBCA apps saw rapid growth of usage
Since 2011 2021
Comp % to Total Mobile Banking Trx Value
myBCA - No. of users
↑24x in 4 years
(+53% YoY)
51%
myBCA - Trx Volume
↑27x in 4 years
93% (+45% YoY)
myBCA - Trx Value
Rp ↑15x in 4 years
(+49% YoY)
Popular mobile 49%
apps for
transactions
Account Opened
7%
Newer apps for seamless ~57% via online in 1H26
connectivity 1H22 1H26
Public Expose 2026 PT Bank Central Asia Tbk 21
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Elevating mobile banking experience through feature enrichments
Forex & Rupiah Pockets (Sub Accounts) myBCA Language Options Integration with Subsidiaries
Available in 3 languages: Bahasa Indonesia, One-stop convenient access thru myBCA
English, and Mandarin ✓ Purchase insurance (life, travel, property, electronic)
✓ Customer portfolio integration (auto loans, brokerage)
✓ Quick access to subsidiaries’ apps
Subsidiaries’ Product/Feature Highlights:
✓ Buy and install gold through BCA Syariah App
✓ Buy pet insurance (BIGpaw) through BCA Insurance
Rupiah Saving Forex Pockets BCA BCA BCA
Sub-accounts for For foreign currency In-app Credit Card Application Syariah Sekuritas Insurance
different goals and transactions (18 major
Request additional credit cards with
purposes currencies available)
various benefits
QR Code (QRIS) Payments Forex Time Deposit (e-Deposits)
Popular for small ticket item purchases Available in 2 currencies: USD and SGD
Two Deposit options:
QRIS Tap to Pay (with NFC) – BCA BCA
by phone or smartwatch Digital Finance
Cross-border QR payments Principal Principal + Interest
Applicable in South Korea, KR JP CN Rollover Rollover
Japan, China, Thailand,
Flexible tenors ranging from
Singapore, and Malaysia
TH SG MY 1, 3, 6, to 12 months
Public Expose 2026 PT Bank Central Asia Tbk 22
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Comprehensive solutions for business banking
B2B2C B2C
One Stop Solution for businesses with beyond banking capabilities: Constantly Expanding the Acceptance Ecosystem
accounting solution, tax, human resource and others
An integrated platform of banking EDC BCA “Accept a wide-range of payment”
services and partner solutions New/Added Features
Product Business Forex
Recommendation Dashboard Dealing
Multi-layer
Digital Single Verification “Easy Access”
Merchant BCA Apps
Onboarding Sign On
Rupiah
Sub-accounts Digital Onboarding Realtime Transaction
Monitoring
Reminder of Bulk
Partnership
Pending Task Payment Merchant Care Multi Level User
and more,..
for Merchant Management and more,..
Seamless integration with BCA transaction tools
& Wholesale No. of QRIS Transaction
Transaction Value Merchants Volume
Simplify your business with online transaction;
Conveniently authorize transactions created anytime anywhere
Available in 3 languages: Bahasa Indonesia, English, and Mandarin
Transfer & Payments Bank Guarantee Document Underlying Upload 1.7x 2.2x 11x
Forex, Trade Remittance Supply Chain Financing Payroll, and more.. in 3 years in 3 years in 3 years
Public Expose 2026 PT Bank Central Asia Tbk 23
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AI Deliverables Public Expose 2026 PT Bank Central Asia Tbk 24
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Investing in AI Responsibly across Organization Public Expose 2026 PT Bank Central Asia Tbk 25
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Transformation of offline channels to boost productivity
~64% of total branch trx done via machines 19% (vs 3 Yr ago)
~84% of total branch trx done via pre-filled forms prior arriving at branches using eBranch app 26% (vs 3 Yr ago)
(1H26)
• Cash Deposit Machine
• Cash Withdrawal assisted counter
~Rp 9.3 bn ~75%
transactions per machine of ATMS are Deposit
per month and Withdrawal CRM/ATM
(1H26) Machines
(1H26)
• Account Opening
eService
~30%
• Book Printing reduction in
• Book Replacement manual
transaction
• E-Channel Registration & activation eService, CS Digital
(Digital Customer Service) time
• Card Replacement
(Debit card, Changing Pin, CS Digital
e-channel registration)
Public Expose 2026
Contribution from branch and ATM remained significant, 30% of total transaction value PT Bank Central Asia Tbk 26
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Sustainable Finance and ESG
• Economic Aspect
• Environment
• Social
• Governance
Banking Industry Updates 1H26 Performance Sustainable Finance Share Data, Ratings
Public Expose 2026 Economic Highlights PT Bank Central Asia Tbk 27
Overview & ESG & Awards
Page 28
Sustainable Financing grew 11.4% YoY
Sustainable Financing portfolio
Outstanding (Rp Trillion)
Managing ESG risk through Exposure to Growth Sectors :
Sectoral-Loan Policies
25.9% YoY
of total 267 11.4% Renewable Rp7.7 tn Rp4.0 tn
255 Palm Oil ↑82% yoy
EV financing
portfolio 229 240 Energy ↑25% yoy
203 Pulp & Paper
113 123
Green 99 103 19.0% Coal mining Eco-efficient
Financing 87 Green Rp6.5 tn Rp3.8 tn
Toll road Building ↑14% yoy products ↑20% yoy
142 136 144 5.6% Cement & basic steel
MSME 116 130
Financing Oil & Gas Waste water Rp5.0 tn Sustainable- Rp3.5 tn
management ↑12% yoy ↑32% yoy
Dec 23 Dec 24 Dec 25 Jun 25 Jun 26 Linked Loan
Power utilities
Financing Transaction Coaching
Local MSME & women Level-up >1,700 MSMEs
empowerment Providing ease & digital
skills & business matching 14.6 million 1,609 merchant > 64k
> 39k women debtors solution for MSMEs
to expand market access Inclusion saving
1,272 branches
OS Rp18.5 trillion Joined ‘Bangga Literacy
In 38 provinces
account Lokal’ program participants
Low-cost, individual 65 branches in remote Intensive coaching &
training for MSMEs to Capacity building for
entry point into BCA areas ; 20.3k ATMs in
build their business the un(der)banked
ecosystem 307 cities
Special rate for women MSME
Ecosystem-Driven MSME Banking Financial Inclusion : Expanding Access & Affordability
Public Expose 2026 PT Bank Central Asia Tbk 28
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Responsible Operations : Live to Impact
Managing Operational Emission Empowering Communities Maintaining IT Resilience
Energy efficiency program (kWh/m2/year) Quality education for young generation Strong IT Governance
Energy intensity ↓18% In 2 years Bakti BCA scholarship BCA Berbagi Ilmu Board level IT Steering Comittee
2023 2024 2025 Director in Charge IT
Capacity building from
Scholarship for 700
154 148 131 outstanding students
BCA top management Chief Information Security Officer (CISO)
Efficient for >2.1K students
Fairly efficient Efficient
Cybersecurity Development
Waste Recycle program Building Sustainable Tourism in Indonesia
Capacity Building Market Access People Process Technology
287 ton waste recycled (1H 26)
SROI* Expanding market
2.59 Upskilling 330 Investing in
exposure of 27 Ensuring all 24/7 security
142 MwH villagers soft skills people & culture.
412 tCO2 5,618 assissted villages
100% employees
operational monitoring center
Energy activities &
Emission Trees passed annual
saving * Social return on investment = Every Rp1 invested by BCA generates compliance with IT incident
saving saved Rp2.59 in social value. mandatory response team
regulations & law
learning
Providing health assisstance
Instilling sustainability culture to all employees
Medical Blood Stunting Regular Test for IT-Business Continuty Plan
assisstance donation Program 1 2 3 4
7,277 patients 1,183 blood 109 local
from Bakti BCA Detection & Detention, Post-
bags distributed communities ; Preparation
assissted clinic Analysis Eradication, Incident
Green challenge Waste dropbox Art installation during 1H26 >7.7k recipients
Recovery Activities
for household in BCA offices from BCA waste
Public Expose 2026 PT Bank Central Asia Tbk 29
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Share Data, Ratings & Awards
Banking Industry Updates 1H26 Performance Sustainable Finance Share Data, Ratings
Public Expose 2026 Economic Highlights PT Bank Central Asia Tbk 30
Overview & ESG &Awards
Page 31
BCA share performance & rating
BCA Shareholding Structure (30 June 2026) Performance BBCA vs IDX Finance Index
Ownership (Relative price up to 27 Jul 2026, compared against 1 Jan 2018)
Number
148.9%
of Shares Percentage 150%
135.7%
PT Dwimuria Investama Andalan* 67,729,950,000 54.94%
130% 126.0%
Public** 55,111,801,300 44.71% BCA Share Price 112.3% 114.6%
110% 103.8%
Treasury Stock 433,298,700 0.35%
87.2%
90% 84.4%
Total 123,275,050,000 100.00%
* Following the passing of the late Mr. Bambang Hartono, the controlling shareholder of PT Dwimuria Investama 67.7%
70% 65.0%
Andalan, who is also the ultimate shareholder of BCA is Mr. Robert Budi Hartono, whose currently in the process 56.4%
of being recorded with OJK IDX Finance Index
* * Under this composition, 2.49% of shares belong to parties affiliated with PT Dwimuria Investama Andalan. 50% 41.8% 43.3%
34.5% 38.1%
32.6%
25.7% 27.0%
30%
Fitch Ratings Pefindo Ratings 17.1%
As of April 2026 As of March 2026 10%
Description Rating Description Rating
-10%
Outlook Negative Corporate Rating idAAA/Stable
-25.8%
Long-Term IDR BBB Shelf Registration -30%
idAA/Stable
Sub Bond I Jan-18 Dec-18 Nov-19 Oct-20 Oct-21 Oct-22 Sep-23 Aug-24 Jul-25 Jul-26
Short-Term IDR F3
National Long-Term AAA (idn)
Market Cap BCA:
National Short-Term F1+ (idn)
5 Year CAGR BCA
Rp 769 tn (27 Jul 26)
Share Price: +2.2% vs
Viability bbb “The Largest in
-1.1% IDX Finance
Indonesia Banking
Government Support bbb- (5Yr: Jul-21 to Jul-26)
Industry”
Public Expose 2026 PT Bank Central Asia Tbk 31
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Selected awards and recognitions (2026)
Best Bank
Forbes Fortune Southeast Asia Gallup International Bloomberg Technoz
World’s Best Bank 2026 Fortune Southeast Asia 500 Gallup Global Customer Indonesia Top Companies
• #39 Fortune Southeast Asia Recognition 2026
• #1 World’s Best Bank in Engagement
Indonesia • #6 Fortune Indonesia • Customer Engagement Recognition – 90th percentile Top Company in Banking Solidity
Corporate Governance HR Asia The Digital Banker
HR Asia Awards 2026 Digital CX Awards 2026
Asia • Best Companies to Work for in • Best Retail Bank (Indonesia)
Asian Excellence Award Asia 2026 • Best Wholesale Transaction
• Asia’s Best CSR • HR Asia Tech Empowerment Bank (South East Asia)
• Best Investor Relations Team Award 2026 • Excellence in Consistent
• Best Corporate Communications Multi-Language
32
Extel LinkedIn Ministry of Finance of the
Extel 2026 Asia Executive Team LinkedIn Award 2025 Republic of Indonesia
• #1 Bank in Asia (ex. • Best employer brand (10,000+ Employee Category) • Best Overall Primary Dealer
Japan/ANZ) Most Honored • Best Primary Dealer for
Company Government Securities in
• #1 Best CEO the Primary Market
• #1 Best CFO • Best Primary Dealer for
• #1 Best Investor Relations
Tempo & Statista Government Securities in
• #1 Overall ESG Tempo Indonesia’s Best Employee 2026 Secondary Market
• #1 in Indonesia
Public Expose 2026 PT Bank Central Asia Tbk 32
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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
2026
(tidak diaudit) PT Bank Central Asia Tbk
Financial Statements
1H26
PT Bank Central Asia Tbk
1H26 Results
23 April 2026 23 April 2026
Economic Reports Annual Reports Sustainability
(incl. GCG) Reports
Public Expose 2026 PT Bank Central Asia Tbk 33
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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 2026 PT Bank Central Asia Tbk 34
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Thank You
Names mentioned 8 people and organisations named in the text · linked when the evidence is strong
unresolved
org
PT Dwimuria Investama Andalan
p.31 ×2
unresolved
org
Bank Forbes
p.32
unresolved
org
Ministry of Finance
p.32
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