#1PT Bank Central Asia Tbk 9M23 Results 19 October 2023 GRUP BCA BCA Always by your side#2Agenda Macroeconomy & Banking Industry Highlights 9M-23 Performance Overview Sustainability Finance and ESG Analyst Meeting 9M-23 GRUP CA BCA Always by your side PT Bank Central Asia Tbk 2#3Macroeconomy & Banking Industry Highlights GRUP CA BCA Always by your side Macroeconomy & 9M-23 Performance Sustainability Finance Analyst Meeting 9M-23 Banking Industry Highlights Overview & ESG PT Bank Central Asia Tbk 3#4Economic highlights (1/2) • Indonesia economy is resilient with GDP expansion of ~5% despite geopolitical tension and global challenges. • Foreign Direct Investment (FDI) growth is slowing down, but still in positive territory. • Strong fiscal reserves support government expenditure, and provide options to boost growth through pre-election. spending or reducing government bond issuance. Indonesia GDP Growth (%) GRUP CA BCA Always by your side 5.73 5.46 5.17 5.03 5.02 5.01 5.04 3.53 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Source: Statistics Indonesia (BPS) Gov't Spending & Foreign Direct Investment YoY (%) 2021 2022 Real GDP 3.69% 5.31% 9M23 5.00%* FDI YOY CPI 1.87% 5.51% 2.28% (%) 8.5 BI 7-D Rate 3.50% 5.50% 5.75% USD/IDR 14,364 15,228 15,455 5.3 CA (% of GDP) 0.29% 0.99% -0.28%* Source: Bank Indonesia & Statistics Indonesia (BPS) for 2022 & 2021, *) BCA Gov't Spending YoY (%) economist estimates Analyst Meeting 9M-23 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Source: Indonesia Investment Board (BKPM), Ministry of Finance 45.8 10.7 10.6 -4.8 Dec-22 Mar-23 Jun-23 PT Bank Central Asia Tbk 4#5Economic highlights (2/2) 10-Yr Govt Bond Yield & USD-IDR Exchange Rate USD-IDR (Rp) 15,568 14,253 6.4 6.9 10-Yr Govt Bond Yield (%) Inflation & BI 7-Day Reverse Repo Rate 15,455 Inflation (%) 5.51 6.9 BI 7D RRR (%) 3.50 5.50 1.87 GRUP CA BCA Always by your side 6.00 5.75 2.28 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Oct-23 Source: Indonesia Statistics (BPS), Bloomberg • External factors drive higher Indonesia Government bond yield, and add pressures on the Rupiah in 3Q 2023. • Bank Indonesia (BI) issues a new Rupiah denominated instrument (SRBI), offering attractive short-term yield to safeguard the currency stability. Trade balance remained in surplus. • . Bl increased the 7DRRR by 25bs to 6.00% in Oct 2023 after maintaining stable rate since Jan 23. Positive real rate differential (versus US) provides cushion that should allow for relatively moderate adjustment in yields and USD/IDR exchange rate. Catalysts: 1) Budget realization is at the slowest pace since 2018. Fiscal balance stood at 0.70% of GDP in Aug-23, implying more fiscal disbursements going forward; 2) Stronger investment flow • Challenges: 1) More pressure on export commodity prices may deteriorate current account deficit; 2) Higher food prices may refuel inflationary pressure Analyst Meeting 9M-23 PT Bank Central Asia Tbk 5#6Banking Industry (1/3) . Loans grew 9% YoY in the banking system, largely deployed in financial services sector, real estate, business services and mining. Total deposits declined YtD in absolute value. • Historically, total deposits would increase in 4Q due to higher government spending. • Capital remained solid with CAR reaching 27.6%. • Net profit was Rp 141.1 trillion in Jul23, rose by 20.4% YoY, presenting strong top line growth and asset quality improvement. Analyst Meeting 9M-23 Banking Sector Financial Summary GRUP CA BCA Always by your side Rp trillion Aug-22 Dec-22 Aug-23 ΔΥΟΥ AYtD Total Loans 6,160 6,389 6,710 8.9% 5.0% Third Party Funds 7,358 7,932 7,831 6.4% -1.3% CASA 4,619 5,067 4,885 5.8% -3.6% Current Accounts 2,084 2,430 2,284 9.6% -6.0% Savings Accounts 2,535 2,637 2,601 2.6% -1.4% Time Deposits 2,740 2,865 2,946 7.5% 2.8% # Net Profit 117.2 201.8 141.1 20.4% n.a # NIM 4.8% 4.8% 4.9% 10bp 10bp LDR NPL # CAR # 83.7% 80.5% 85.7% 200bp 520bp 2.9% 2.4% 2.5% -40bp 10bp 25.0% 25.6% 27.6% 260bp 200bp Source: Bank Indonesia (SEKI) & Otoritas Jasa Keuangan (SPI) Note: # use SPI data (July) PT Bank Central Asia Tbk 6#7Banking Industry (2/3) Sep-21 79.4% 8.3% 4.9% Dec-21 BCA Loans vs Industry (YoY) 80.5% 85.7% Industry LDR BCA CASA vs Industry (YtD) GRUP CA BCA Always by your side 2.4% 2.0% 1.7% 1.5% BCA CASA 0.9% 11.7% 10.3% BCA Loans 0.0% -0.2% -0.5% 11.0% 8.9% Industry Loans -3.3% -3.2% -4.2% -3.9% -3.9% -3.8% -3.6% Industry Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Aug-23 Dec-22 Source: Bank Indonesia Jan-23 Feb-23 Mar-23 -4.6% Apr-23 May-23 Jun-23 CASA Jul-23 Aug-23 Source: Bank Indonesia LDR is on the rise as liquidity in the banking system tightens. Bl still maintains high reserve requirement rate (RRR). BCA outperformed the Industry. • Many banks recorded elevated cost of funds. Analyst Meeting 9M-23 PT Bank Central Asia Tbk 7#8Banking Industry (3/3) • BCA CASA remains robust in the private sector (excluding Government and SOE funds). • BCA Savings (SA) outgrew industry both YoY and YtD. GRUP CA BCA Always by your side Banking Industry Avg Funding in the Private Sector (YoY) BCA Avg CASA VS Banking Industry in the Private Sector (YtD) 15.8% 14.8% 13.0% 12.8% 5.3% 11.2% 10.5% 10.3% 9.9% Avg CA BCA: 7.3% 5.0% 5.2% Industry Avg CA 4.8% 4.9% 4.7% 4.6% 4.6% 5.8% 4.6% 4.6% BCA Avg CA 4.4% 5.5% 4.3% 4.2% 4.2% 5.1% 4.5% 4.5% 3.9% 4.2% 4.0% 3.9% 3.8% BCA Avg SA 3.7% Avg SA BCA: 4.4% 3.3% 3.5% 3.7% 2.2% 2.8% 2.0% 2.1% 1.7% 2.0% 2.2% 2.4% 2.6% Jan-23 Feb-23 Mar-23 Apr-23 May-23 Jun-23 Jul-23 Aug-23 Jan-23 1.5% 1.5% Feb-23 Mar-23 Apr-23 May-23 Jun-23 Jul-23 2.7% Industry Avg SA Aug-23 Source: Bank Indonesia Analyst Meeting 9M-23 BS PT Bank Central Asia Tbk 8#9Analyst Meeting 9M-23 9M-23 Performance Overview GRUP CA BCA Always by your side Macroeconomy & Banking Industry Highlights 9M-23 Performance Sustainability Finance Overview & ESG PT Bank Central Asia Tbk 9#10Loans increased 12.3% YoY Rp trillion Sep-22 Dec-22 Jun-23 Sep-23 YOY YtD QoQ Total Assets 1,288.7 1,314.7 1,356.8 1,381.4 7.2% 5.1% 1.8% Secondary Reserves & 462.9 446.4 458.8 461.2 -0.4% 3.3% 0.5% Marketable Securities Loans 682.0 711.3 735.9 766.1 12.3% 7.7% 4.1% GRUP CA BCA Always by your side Third Party Funds 1,025.5 1,039.7 1,071.2 1,088.8 6.2% 4.7% 1.6% Comparison CASA BCA vs Industry - Page 8 CASA 830.4 847.9 864.7 869.8 4.7% 2.6% 0.6% Current Accounts 318.3 323.9 328.9 337.6 6.1% 4.2% 2.7% Savings Accounts 512.2 524.0 535.8 532.1 3.9% 1.6% -0.7% Time Deposits Equity Analyst Meeting 9M-23 195.1 191.8 206.5 219.0 12.3% 14.2% 6.1% 211.9 221.0 224.6 235.8 11.2% 6.7% 5.0% PT Bank Central Asia Tbk 10#11PPOP grew 19.1% YoY Rp trillion 9M-22 9M-23 YOY 1Q-23 2Q-23 3Q-23 QoQ Operating Income 62.8 74.2 18.2% 24.8 24.5 24.9 1.7% Net Interest Income 46.1 55.9 21.3% 18.5 18.6 18.8 1.2% Non Interest Income 16.7 18.3 9.7% 6.3 5.9 6.1 3.2% Fees and Commissions 12.3 13.3 7.7% 4.3 4.4 4.6 6.5% Trading Income 1.4 1.3 -1.9% 0.5 0.5 0.3 -25.1% Loss on loan disposal (0.6) (0.2) 68.2% (0.2) n.a Others 3.6 3.9 7.4% 1.7 1.1 1.1 2.1% Operating Expenses 23.2 27.0 16.6% 9.2 8.4 9.4 12.2% Manpower 10.7 12.2 14.1% 4.7 3.6 4.0 11.4% General & Administrative 12.5 14.8 18.7% 4.5 4.8 5.4 12.8% PPOP (Pre-Provision Operating Profit) 39.6 47.2 19.1% 15.6 16.1 15.5 -3.7% Provision 3.9 2.3 -41.5% 1.5 0.4 0.4 -2.8% Provision reversal on loan disposal (0.7) (0.2) 68.9% (0.2) n.a Net Profit 29.0 36.4 25.8% 11.5 12.7 12.2 -3.4% Analyst Meeting 9M-23 GRUP CA BCA Always by your side PT Bank Central Asia Tbk 11#12Key Ratios Bank Only 9M-22 9M-23 ΔΥΟΥ 1Q-23 2Q-23 3Q-23 AQOQ NIM 5.1% 5.5% 0.4% 5.6% 5.5% 5.5% 0.0% COC 0.8% 0.4% -0.4% 0.8% 0.1% 0.3% 0.2% COC (excl. reversal on loan disposal) 1.0% 0.4% -0.6% 0.9% 0.1% 0.3% 0.2% Risk Adjusted NIM 4.3% 5.1% 0.8% 4.8% 5.4% 5.2% -0.2% Cost to Income 34.5% 33.6% -0.9% 35.1% 31.2% 36.1% 4.9% ROA (after tax) 3.0% 3.6% 0.6% 3.4% 3.9% 3.5% -0.4% ROE 20.6% 23.5% 2.9% 22.3% 26.1% 22.3% -3.8% CAR 25.4% 29.5% 4.1% 28.9% 29.5% 29.5% 0.0% LDR 63.3% 67.4% 4.1% 65.6% 65.7% 67.4% 1.7% NSFR 172.6% 173.6% 1.0% 168.6% 175.9% 173.6% -2.3% LCR 407.1% 379.2% -27.9% 386.1% 371.2% 379.2% 8.0% NPL - gross 2.2% 2.0% -0.2% 1.8% 1.9% 2.0% 0.1% NPL Coverage 247.9% 226.9% -21.0% 285.4% 257.1% 226.9% -30.2% LAR 11.7% 7.6% -4.1% 9.5% 8.7% 7.6% -1.1% LAR Coverage incl. off B/S 49.9% 66.6% 16.7% 57.9% 61.6% 66.6% 5.0% Analyst Meeting 9M-23 GRUP CA BCA Always by your side PT Bank Central Asia Tbk 12#13All segments drove loan growth Business Loans (Rp tn) - Consolidated 290.3 190.2 360.9 322.7 W. Capital (+11.8% YoY, +7.2% YtD, +5.0% QoQ) 242.0 215.7 GRUP SCA BCA Always by your side Loan Breakdown - Consolidated Rp trillion Dec-22 Sep-23 ΔΥΟΥ AYtD AQOQ Corporate 322.2 343.5 12.2% 6.6% 5.4% Commercial 117.4 121.0 6.5% 3.1% 2.7% Investment SME (+12.2% YoY, +7.2% YtD, +3.3% QoQ) Consumer Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Loan Composition (Rp tn) - Consolidated Corporate Commmercial SME Consumer 682.0 711.3 735.9 92.9 104.8 16.4% 12.8% 3.4% 172.2 189.6 14.4% 10.1% 3.2% Mortgage 109.1 117.9 11.5% 8.1% 2.9% Vehicles 46.1 53.5 22.1% 15.9% 4.0% 766.1 - · C.Card & Personal 13.8 15.0 15.3% 9.2% 2.8% 44.9% 45.3% 44.3% 44.8% - Employee 3.3 3.3 1.0% 0.7% 2.3% Sharia Financing 7.6 7.9 6.2% 3.8% -0.2% 16.7% 16.5% 16.0% 15.8% 13.2% 13.1% 13.8% 13.7% Total O/S Loans 711.3 766.1 12.3% 7.7% 4.1% 24.3% 24.2% 25.0% 24.8% Total Facilities 1,034.2 1,143.0 15.4% 10.5% 3.8% Sep-22 Dec-22 Jun-23 Sep-23 Note: The remaining contribution came from Sharia financing Analyst Meeting 9M-23 PT Bank Central Asia Tbk 13#14Robust consumer lending Mortgage New Booking & Run Off - Quarterly (Rp tn) New Booking Vehicle New Booking & Run Off - Quarterly (Rp tn) GRUP CA BCA Always by your side -YoY O/S Growth 22.1% 19.2% Run Off YoY O/S Growth New Booking Run Off 10.5% 11.0% 11.6% 12.0% 11.5% 13.6% 15.2% 9.2% 11.4 9.8 9.2 10.5 10.0 7.9 7.0 6.7 6.6 10.4 7.8 7.1 6.6 7.2 7.1 6.1 6.2 3Q-22 4Q-22 1Q-23 Note: Bank Only runoff and new booking, Consolidated YoY growth 2Q-23 3Q-23 9M23 HIGHLIGHTS . • BCA consumer exhibitions: generated in total Rp 46 tn applications, increased 53% YoY, with no. of visitors reached >179k Excluding non-subsidy mortgages, BCA leads in the market Analyst Meeting 9M-23 • 3Q-22 4Q-22 1Q-23 Note: Bank Only runoff and new booking, Consolidated YoY growth NEXT 8.4 7.2 6.4 2Q-23 3Q-23 Mortgage: structure new products to minimize annual runoffs, leverage data analytics to tap prospective segments (mass and upper mass), and loan take over Auto: exploring market in smaller cities, growing the used 4W segment PT Bank Central Asia Tbk 14#15LAR stood at 7.6%, a consistent improvement GRUP CA BCA Always by your side Loan Quality & Restructured Loans (Rp tn) - Bank Only Restru. Loans - Coll.1 - Bank Only Rp trillion Dec-22 Sep-23 ΔΥΟΥ AYtD AQOQ Restru. Coll 1 66.3% Total Loans by Collectability (bank only): 66.0% to Total LAR Current 667.7 711.1 11.8% 6.5% 4.3% Special Mention 11.6 17.6 45.8% 51.4% -9.4% 51.2 NPL 11.8 15.2 6.0% 28.6% 12.6% 46.0 47.0% Consumer 24.1% Total Loans 691.1 743.8 12.2% 7.6% 4.1% 24.5% 42.4% Restructured Loans (bank only): Cov. Ratio SME 10.0% 10.2% Current 46.0 24.1 -52.9% -47.5% -17.1% 32% 29.1 Commercial 25.5% 16.6% 24.1 Special Mention 6.8 8.1 17.9% 19.2% -17.7% 47% 26.3% 10.1% 15.7% NPL 9.5 12.1 12.9% 27.6% 10.3% 71% 10.8% 23.5% 27.4% 46% Total Restruct. Loans 62.2 44.3 -35.6% -28.8% -11.2% Corporate 40.4% 39.0% 49.8% Total LAR 69.4 56.9 -26.7% -18.0% -8.2% 46.1% % LAR / Loans 10.0% 7.6% -4.1% -2.4% -1.0% Analyst Meeting 9M-23 Sep-22 Dec-22 Jun-23 Sep-23 PT Bank Central Asia Tbk 15#16Prudent coverage ratio Special Mention Composition (% of Total SML, Rp tn) Consolidated Corporate Commercial SME Consumer 2.7% -SML Ratio NPL Composition (% of Total NPL, Rp tn) Consolidated Commercial ISME Consumer -NPL Ratio GRUP CA BCA Always by your side 2.4% Corporate 2.2% 1.8% 1.7% 1.7% 1.9% 2.0% 12.7 18.6 12.5 20.5 14.6 12.1 13.8 15.6 16.5% 15.7% 19.3% 18.6% 41.6% 40.2% 40.1% 46.5% 11.8% 11.1% 13.8% 14.2% 22.1% 18.3% 23.1% 20.3% 13.3% 11.7% 14.8% 11.7% 20.4% 21.5% 23.4% 18.7% 48.9% 54.0% 43.0% 45.9% 23.5% 23.5% 19.7% 21.3% Sep-22 Dec-22 Jun-23 Sep-23 Sep-22 Dec-22 Jun-23 Sep-23 Note: The remaining contribution came from Sharia financing Note: The remaining contribution came from Sharia financing Loan Staging (Rp tn) - Consol Excl. Sharia & Consumer Receivables 1.9% 1.7% Coverage ratio (ECL on BS) 710.4 626.4 Sep-22 Sep-23 54.1% 52.8% 69.0% 66.3% 24.7 22.6 14.5 15.3 Analyst Meeting 9M-23 Stage 1 Stage 2 Stage 3 PT Bank Central Asia Tbk 16#17CASA ratio stood at 80% Third Party Fund Composition (Rp tn) - Consolidated Savings Current Accounts 1,039.7 1,025.5 Third Party Funds - Consolidated Time Deposits Rp trillion 1,088.8 1,071.2 GRUP CA BCA Always by your side Dec-22 Sep-23 ΔΥΟΥ AYtD AQOQ Current Accounts 323.9 337.6 6.1% 4.2% 2.7% Savings Accounts 524.0 532.1 3.9% 1.6% -0.7% 19.3% 20.1% 18.4% 19.0% CASA 847.9 869.8 4.7% 2.6% 0.6% 30.7% 30.2% 31.2% 31.0% 49.8% 50.4% 50.0% 48.9% Sep-22 Analyst Meeting 9M-23 Time Deposits 191.8 219.0 12.3% 14.2% 6.1% Third Party Funds 1,039.7 1,088.8 6.2% 4.7% 1.6% CASA Ratio CASA Ratio: 80% 81.6% 79.9% -1.1% -1.7% -0.8% paylater BCA my Ajukan Sekarang di BCA Butuhnya Now, Bayarnya Later Buka Tabungan di myBCA my BCA Buka Rekening BCA Online acct. opening WAKTU NYA JEMPUT PROMO Habis Gajian, Saatnya Jajan & BCA #Nyam de BCA Saldo azz Nol, Saat Perlu Bayar Tol Langsung Top Up di Top Up e-Money Paylater Retail Promo C BCA BCA Mudahnya DONASI & ZAKAT Daftar Autopay BCA dan Raih Cashback Reward BCA Reward BCA Lihat caranya disini Dec-22 Jun-23 Sep-23 BNPL in myBCA Lifestyle - mBCA angen serta penja LPS Reward Programs Udah pada tau belum? Kartu Kredit BCA Contactless makin... Contactless Credit Card PT Bank Central Asia Tbk 17#18Multiple channels for robust CASA franchise BCA mobile BCA BCA Buka Rekening W Wande CS Digital eservice N Branch Mobile & Internet Banking Principal Supplier & BCA Distributor & Retailer apos BCA APOS BCA Serving different needs of wide range of customer spectrum POS & Merchant Apps merchant BCA No of Customers 31.1 million +17% YoY haloBCA 1500888 Contact Center Consumer CRM/ ATM Analyst Meeting 9M-23 GOOD No of Accounts 38.8 million +17% YoY No of API Partners 4.9k +11% YoY Mobile & Internet banking: 91.3% of total transaction volume GRUP CA BCA Always by your side PT Bank Central Asia Tbk 18#19Two powerful mobile apps for customer choice myBCA Since 2021 BCAmobile Since 2011 my BCA HALO, ANDIKA PUTRA Rekening 291-028-7381 v IDR 100,000,000 W Transfer Deposito Welma Transaksi Terjadwal m1-BCA Klik & BCA BCAmobile m-BCA KlikBCA GRUP CA BCA Always by your side Mobile & Internet Banking Trx Vol (bn) Mobile & Internet Banking Trx Value (Rp tn) +30% +1.6x +2.1x +9% 20.1 22,931 18.7 19,167 18,440 14.4 14.5 16,874 14,001 9.6 e-Statement Kredit Konsumen Flazz Info & BCA Info BCA 2020 2021 2022 9M22 9M23 2020 2021 2022 9M22 9M23 BAYAR & ISI ULANG Selengkapnya Buka Rekening Baru Mobile Banking Users (mn) Online Account Opening ('000) Ganti Kode Akses Asuransi Pinjaman Voucher Game Internet & TV Kabel +23% Flazz TRANSAKSI FAVORIT Selengkapnya +75% 30.8 2.5x 4,15 2 +13% 26.6 25.1 3,490 20.8 3,215 3,086 Transfer Transfer E 15.2 合 Selamat datang di BCA mobile Beranda GRIS Riwayat Notifikasi Akun Saya 1,650 2020 2021 2022 9M22 9M23 2020 2021 2022 9M22 9M23 9M23 HIGHLIGHTS • Integrate investment platform Welma into myBCA and launch investment product for retail (mutual fund offer starting from Rp10,000; FR Bonds from Rp1 mn and INDON/INDOIS from US$1,000) NEXT • Launch apply credit card online (ACCO) via BCA website anytime anywhere QRIS Cross Border QRIS customer presented mode (CPM) Outward Remittance • Launching of Paylater / BNPL in myBCA . Wealth insights Analyst Meeting 9M-23 Financial Diary Additional Payment Partners#20Business banking solutions for wide range of institutions from Corporate to SMEs GRUP CA BCA Always by your side • • • • Business Dashboard E-Statement Portfolio & Balance Information MT940 Swift Format Information Management Liquidity + Investment • Transfer • Payment • Payroll Electronic Payment Instruction Foreign Exchange Outward Remittance Payable Trade Finance Management Auto Payment Business Banking Solutions Management • Account Sweeping Notional Account Pooling Analyst Meeting 9M-23 Receivable Management ⚫ OneKlik Virtual Account Auto Collection Inward Remittance Supply Chain Finance 2 500k institutions ▲ 15% YoY ~40% contribution to total transaction value 9M23 HIGHLIGHTS . Piloting new generation business banking platform Expand ecosystem through partnerships NEXT • New generation online business banking will be launched in 2024 Single sign-on for multiple solutions • Cash collection, cash pick up, APOS, EDC, QRIS, CDM Merchant solutions and many more... PT Bank Central Asia Tbk 20#21Serving extensive network of merchants and retailers BCA APOS apos BCA Clementine Store Mal Grand Indonesia Lantai 3 Jakarta Pusat MID: 1233948899 BRIS 12:30 merchantBCA app Since 2020 QRIS Transaction Volume merchant BCA Selamat Siang, Andhika! Selalu terbuka untuk tantangen beru Tremseksi Hari ini 124 Agu 20201 Rp 110.000.000.000 DWI KSH Transaka Minggu ini 760.000.000.000 Tank Dun in "999.999.000.000 TID: C2933434 Kartu QRIS Settlement Void Rp 14.350.000 Penjualan Terbaik T ■+> Cardver Offline Cicilan Lainnya Daftar Toke SCAN and GO! Daripada ribet paketa ORIS YUKY BERANDA B PENGATURAN Analyst Meeting 9M-23 SEL Ad KAIU Cabang Senayan Rp 45.500.000 MID: 12545647 HMD: 01234562352 What Semu Tra makoi Mentant T Akan +3.8x YoY 9M23 HIGHLIGHTS Increase the number of 4G and APOS (YOY rose 2.7x) Merchant Sales Value +25% YoY GRUP CA BCA Always by your side NEXT . • Enrich APOS and merchantBCA apps features More APOS rollout Collaborate to provide more seamless payment services PT Bank Central Asia Tbk 21#22CRM/ATM compliment branches for 24 hours cash society BCA ATM BCA Setor Tarik 18.7k CRMS/ATMs Setor Tarik haloBCA 1500888 Cardless myBCA HALO, ANDIKA PUTRA Rekening 123-456-7890 IDR 100,000,000 44 O W Transfer Deposito Welma Transaksi Terjadwal (C e-Statement Kredit Faz Konsumen Cardless Cardless feature in myBCA Kesehatan TRANSAKSI FAVORIT Selengkapnya E 合 Lir A A RIS Beranda NoRu Abun Layt Analyst Meeting 9M-23 Tarik Tunai > Tarik tunai tanpa kartu di ATM BCA. Setor Tunai > Setor tunai tanpa kartu di ATM BCA, No of ATM/CRM Cash deposits Cek daftar kode transaksi tanpa kar Anda selama 24 jam terakhir. 18,161 18,705 < Cardless Tarik Tunai Tarik tunai tanpa kartu di ATM BCA. Cardless cash withdrawal Daftar Kode Transaksi Cek daftar kode transaksi tanpa kartu Anda selama 24 jam terakhir. 66% 74% CRM ATM • GRUP SCA BCA Always by your side 9M23 HIGHLIGHTS: ~1.7 billion transaction volume ~Rp 1,750 trillion transaction value Install new ATMs selectively in high cash circulation areas Increase Cash Recycling Machines (CRM) portion for operational efficiency 34% 26% > • 9M22 9M23 PT Bank Central Asia Tbk 22#23Branch and contact center 1,252 Branches delivering 'Trusted Relationship' 9M23 HIGHLIGHTS: . Expanding and upgrading the 'hybrid model' Empowering human capital to focus on customer engagement and business relationships Next: opening new branch selectively to cover new emerging regions apa pun, Fitur Lifesty Star Teller self svc assisted machine BC BCA Analyst Meeting 9M-23 Contact Center haloBCA 1500888 GRUP CA BCA Always by your side e-Branch branch registration e-Service 6 sites 4,500 agents 110k calls/day, +24% YoY eBranch CS Digital BCA . CSDigital Contact center presence is pivotal to ensure smooth online customer acquisition and on-boarding Integrated contact center: 1500888 call center, haloBCA apps, @goodlifeBCA Instagram and [email protected] email PT Bank Central Asia Tbk 23#24Rising payout ratio in the past five years Dividend Trend . • Nominal Capital and Return on Equity Parent only 23.5 Payout Ratio 32.4% 47.9% 48.2% 56.9% 62% +2x in 4yr 21.7 ROE (%) 18.0 18.3 16.5 16.2 Cost of 11.8 11.9 9.5 9.6 Equity (%)* 4 Yr CAGR: 32% 205 145 111 106 Dividend / 68 share (Rp) 2018 2019 2020 2021 2022 4 Yr CAGR: 7% 219 205 189 174 167 Capital (Rp tn) 2019 2020 2021 2022 9M23 *) Source: Bloomberg 16 Oct 2023 Deliver growth in Dividend per Share on the back of strong profitability. Dividend Payout Ratio reached 62% in 2022, almost doubled than four years ago. GRUP CA BCA Always by your side Organically increase the nominal capital for long term business growth. Ample nominal capital is necessary to compete in the capital-intensive corporate lending space. OJK regulate one-group obligor Legal Lending Limit at 25% of nominal capital for all facilities. CAR stood at 29.5%. Effective 1 Jan 2023, OJK impose new formula which is accretive to BCA's CAR after registering RWA saving from Operational Risk and Credit Risk. Analyst Meeting 9M-23 PT Bank Central Asia Tbk 24#25Analyst Meeting 9M-23 Sustainability Finance and ESG Economic Aspect Environment Social Governance GRUP CA BCA Always by your side Macroeconomy & Banking Industry Highlights 9M-23 Performance Sustainability Finance Overview & ESG PT Bank Central Asia Tbk 25#26Economic Aspect Sustainable financing grew 11.9% YoY >>> Sustainable financing (in Rp trillion) 25.0% 14.9% 18.6% 11.9% YOY 2.2% 193 183 173 159 128 80 81 74 YoY: 8.5% Green 71 50 Financing MSME 77 88 102 99 113 YoY: 14.5% Dec-20 Dec-21 Dec-22 Sep-22 Sep-23 % to total 22.2% 24.8% 25.4% 25.1% portfolio 25.0% >> Key Highlights up to Sep-23 Pursue growth in sustainable financing: GRUP SCA BCA Always by your side develop financing portfolio for Electric Vehicles (EV). issue sustainability-linked loans to corporate debtors. ► Participated in the initial offering of Indonesia's first carbon trading exchange. Responsible lending policies are in place for 5 sectors: palm oil, forestry & wood products, coal mining, toll road, and cement & steel. >> Top 3 green financing (in Rp trillion) YoY 30.5% 5.0% 60.3 63.3 32.0% 19.4% 29.7% -4.2% 6.6 7.9 4.0 5.2 Natural resources & Sustainable transportation sustainable land use Eco-friendly and eco- efficient products Analyst Meeting 9M-23 Sep-22 Sep-23 ► Actively engaged in ongoing 'OJK Green Taxonomy' program. ► Joined Partnership for Carbon Accounting Financials (PCAF) signatory to calculate Scope 3 GHG emission from debtors' carbon footprint. Conducted initial bottom-up climate-risk stress test (CRST) analysis on BCA's exposure of physical and transition risk. PT Bank Central Asia Tbk 26#27Economic Aspect Pursuing new opportunities and continuously expanding >> Rising EV financing portfolio Loan outstanding for EV financing in Rp billion 59 327 274 751 Increased 15x YoY >>> 3Q23 New Booking 877 Financing amount Rp 277 bn ▲ 9.0x YoY Providing financial solutions for entrepreneurs No. of woman debtors 43k debtors ▲ 23% YoY Loan O/S to woman debtors Rp 14.3 tn ▲ 20% YoY Multipurpose loans for MSMEs KaMU Mart >>> Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Issued sustainability-linked loans (SLL) Debtor Description Cement manufacturer No. of units financed No. of MSME 619 units debtors financed 209k debtors (cumulative) 19% YoY Sustainability Performance Targets (SPT) CO2 emission reduction Palm oil plantation Sustainable palm oil certifications Analyst Meeting 9M-23 GRUP CA BCA Always by your side BCA FEST MULTIPURPOSE LOANS START FROM 3,12 P/P EFF.P.A Total SLL disbursed Rp 319 bn Moving towards more sustainable palm oil sector ► Financing to certified palm oil (ISPO/RSPO). Adopt no-deforestation, no-peat, no-exploitation (NDPE) principles. Local community empowerment through financing to plasma farmers, in collaboration with corporate customers. 69% of palm oil debtors were ISPO/RSPO certified in Sep-23, compared to 50% in Dec-20. PT Bank Central Asia Tbk 27#28Environment BCA Expanding waste management practices beyond banking operations FY21 FY22 YOY 9M23 Key Achievements Waste Recycled Plastic bags, paper, carton, bottle GRUP CA Always by your side Recycling Output 26 ton ▲ 98% YoY Plastic pellets, reusable pulps, etc. Total CO2 savings potential (ton eq.) 888 1,996 125% A A Recycle & Waste Non-Organic 0 349 N/A Management Archives & Documents Expired documents 338 ton ▲ 2% YoY Reusable pulps 20000 00000 BOG O Digital B Banking Operation 797 1,458 83% Electronic Waste Green Building C & Energy 59 149 153% Efficiency Nature D Conservation Analyst Meeting 9M-23 32 32 40 25% Uninterruptible power supply (UPS), hard disk, key BCA 32 ton Plastic pellets NEW Waste Management Beyond Workplace: Engaging stakeholders to shift towards sustainable lifestyle Employees Internal campaign to encourage household waste recycling 8 types of household waste recycled. Customers & Public Install reverse vending machines for plastic bottles recycling in several BCA events. Total Waste Recycled: 3.3 ton CO2 savings potential: 13.5 ton eq. 1 bakti B BCA bakti BCA CAuntiindonesia Reverse vending machine for plastic bottles PT Bank Central Asia Tbk 28#29Environment Offsetting carbon footprint through various initiatives FY21 FY22 YOY 20000 00000 BOG O GRUP CA BCA Always by your side Total CO2 savings potential (ton eq.) 888 1,996 125% 9M23 Key Achievements B Digital workplace Recycle & 99.7% of transactions in 9M23 done through digital channels A Waste 0 349 N/A (internal administration, approval mechanism, internal event, work from hub) Management Digital B Banking Operation 797 1,458 83% C Green Building C & Energy 59 149 153% Efficiency Nature D Conservation Analyst Meeting 9M-23 32 32 40 25% Digitalize customer billing and account statements Potential saving of 3.7 million sheets of paper in 9M23 Equivalent to 38.2 ton eq. CO2 D ESCA BCA BCA Foresta Building ASEAN Energy Awards Winner for Energy Efficient Building Category Orangutans Conservation 46 rehabilitated orangutans released to the wildlife as of Sep-23 74 CO2 branch offices with environmentally friendly building features Developed carbon reduction roadmap until 2030 covering on-grid solar panels, efficient energy usage in branches, and more environmentally-friendly AC Trees Planting 77,103 trees planted since 2009 across 118 hectares of land PT Bank Central Asia Tbk 29#30Social Empowering societies to achieve welfare >> Fostering development of local MSME businesses BCA 3. BCA FEST BANGGA LOKAL Other Initiatives Hosted UMKM Fest - a marketplace festival for MSMEs to showcase their products Held online and offline for 3 consecutive years Participated by ~1,400 MSMEs nationwide A program aimed to engage MSMEs to scale up their businesses The program has engaged 1,900+ MSMEs since Nov 20 Nurturing MSMEs through training, coaching, and working capital financing Hosted local business of tourism villages in BCA Expoversary Held export coaching for curated MSMEs in Central Java & Yogyakarta Facilitated 1,000 MSMEs in obtaining Halal certification Kampung Batik Gemah Sumilir, Pekalongan bakti BCA Skm Nusantara TA GRUP CA BCA Always by your side >> Awards & recognition received by BCA's tourism villages ASEAN TOURISM FORUM YOGYAKARTA - INDONESIA 2-5 FEBRUARY 2023 2023 ASEAN Community Based Tourism Award (3 villages) Anugerah DESA WISATA NDONESIA Indonesia Bangkit 2023 Tourism Village Award by Ministry of Tourism (6 villages) UNWTO World Tours Or BEST TOURISM VILLAGES by UNWTO Indonesia Representative for Best Tourism Village UNWTO (3 villages) Indonesian World Records Museum (MURI) The First Community-Based Digital Forest in Indonesia MURI Bukit Peramun Village, Belitung Island MUSEUM REKOR-DUNIA INDONESIA The Longest Chain of Traditional Settlement in Indonesia Sijunjung Village, West Sumatra CSR Initiatives & outreach in 9M 2023 Education & Financial Literacy 129,259 participants of financial literacy socializations & activities 333 teachers participated in learning method training facilitated by BCA Public Health 9,740 Tourism village products BCA UMKM Fest 2023 1,375 370 in BCA Expoversary patients of medical treatment assistance blood bags collected for donation cataract surgeries Analyst Meeting 9M-23 PT Bank Central Asia Tbk 30#31Governance Strengthening corporate governance Good governance for sustainable business practices Fair dealing applied to both internal & vendors (e.g. human rights, occupational health & safety, employment, etc.) » Rising importance of IT Governance Enterprise Security Unit to oversee the implementation of cyber security internally GRUP SCA BCA Always by your side Data protection technologies to ensure data privacy Anti-corruption and anti-fraud prevention initiatives Preventing financial crimes by raising awareness on anti-money laundering & terrorism financing Whistleblowing system Encourage employees to develop competencies on ESG aspects Strengthen ESG work unit, improve ESG disclosure A Enforcing data security policy A=across all work units Enhancement of formal procedures on consumer data protection Raising cybersecurity awareness for employees, customers, and clients Conducting Various Campaigns for Cybersecurity Awareness Month CYBERSECURITY AWARENESS VIDEO DATA BREACH WATCH AT MYVIDEO SECURITY Senada Kardas INFORMATION TECHNOLOGY SECURITY GROUP CYBER SECURITY RE MONTH PROGRAM E-LEARNING ل CYBER SECURITY FOR SOCIAL MEDIA Obtained IT & Data Security Certifications 1 ISO 27001:2013 for Enterprise Security 3 ISO 20000-1:2018 for IT service management & data center 2 PCI DSS 3.2.1 certification for BCA data center (global data security) 5 ISO 27001:2013 for data center network & operation 4 ISO 9001:2015 for data center operations & quality management system Analyst Meeting 9M-23 PT Bank Central Asia Tbk 31#32ESG Rating & Awards MSCI Indonesia Index Top 10 Constituents FTSE4Good ASEAN 5 Index Top 10 Constituents MSCI ESG RATINGS A CCC B BB BBB A AA AAA Last update: Sep 2023 123 FTSE4Good Last update: Sep 2023 GRUP SCA BCA Always by your side IDX Indonesia Stock Exchange KEHATI BCA constituents of: • IDX ESG Leaders Index • SRI - KEHATI Index ESG Quality 45 IDX - KEHATI ESG Sector Leaders IDX - KEHATI Last update: Sep 2023 ASIA'S OUTSTANDING COMPANIES POLL 2023 AL ASIA MONEY Institutional Investor 2023 ASIA (EX-JAPAN) EXECUTIVE TEAM MOST HONORED COMPANY Best for ESG in Indonesia Asiamoney Asia's Outstanding Companies Poll 2023 Most Honored Company & Best ESG (Sell-Side) for Banks Institutional Investor Asia Executive Team Award 2023 FIHRRST Best Sustainability Report Rating A+ FIHRRST Foundation for International Human Rights Reporting Standards y Thomson Reuters - Refinitiv ESG Scores Rating A REFINITIV Dow Jones Sustainability Index S&P Global CSA Score 50 Rank percentile 83th S&P Global Last update: Feb 2023 - Annually Last update: Nov 2022 - Annually Analyst Meeting 9M-23 IICD Indonesian Institute for Best Overall Big Cap Corporate Directorship ICD Corporate Governance Award 2023 Last update: Oct 2023 - Annually TrenAsia ESG Award 2023 Best Private Bank for Sustainability TrenAsia ESG Award 2023 PT Bank Central Asia Tbk 32#33Analyst Meeting 9M-23 Share Data, Ratings & Awards GRUP CA BCA Always by your side PT Bank Central Asia Tbk 33#34BCA share performance & rating BCA Shareholding Structure (30 September 2023) Performance BBCA vs IDX Finance Index (Relative price up to 13 Oct 2023 against 1 Jan 2018) GRUP CA BCA Always by your side Number of Shares Ownership Percentage 130% BCA Share Price 114.6% 112.3% 110% * PT Dwimuria Investama Andalan 67,729,950,000 54.94% 87.2% 90% wwww 107.2% Public** 76.9% 55,545,100,000 45.06% 67.7% 70% 67.2% 57.0% Total 123,275,050,000 100.00% 50.7% 51.1% 50% 33.2% MW 43.4% 36.6% 35.1% Note: 30% -20.4%- 24.7%- 25.5% 25.5% * 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. Under this composition, 2.49% of shares belong to parties affiliated with PT Dwimuria Investama Andalan. 21.6% 23.7% 10% 1.1% דוד 11.7% TTT -10% -6,3% IDX Finance Index -22.8% Fitch Ratings Pefindo Ratings -30% Jan-18 Sep-18 May-19 --25.8% Jan-20 Nov-20 Aug-21 May-22 Jan-23 Oct-23 As of November 2022 As of March 2023 Description Rating Description Outlook Stable Corporate Rating Rating idAAA/Stable Long-Term IDR BBB- Shelf Registration idAA/Stable Sub Bond I Short-Term IDR F3 BCA 瓜 National Long-Term AA+ (idn) National Short-Term F1+ (idn) Viability bbb- m mm Government Support bbb- Analyst Meeting 9M-23 Market Cap BCA: Rp1,119 tn (13 Oct 23) "The Largest in Indonesia" CAGR BCA Share Price: +20.6% (2 Years: Oct-21 to Oct-23) CAGR IDX Finance Share Price: -6.5% (2 Years: Oct-21 to Oct-23) PT Bank Central Asia Tbk 34#35Awards and recognitions - 2023 (1/3) Best Bank Public Relations A PRIVATE BANKING AWARDS 2023 ASIA MONEY Forbes 2023 GLOBAL 2000 Asiamoney Private Banking Award 2023 Best for High Net Worth in Indonesia Forbes' List of Global 2000 2023 #462 Global 2000 FinanceAsia Award 2023 FinanceAsia AWARDS 2023 Best Bank in Indonesia ICONOMICS LEADING DISRUPTION ECONOMY Indonesia Banking Summit 2023 • Forbes 2023 World's Best Bank 2023 4th Indonesia Top Bank Awards 2023 WORLD'S BEST BANKS #1 in Indonesia • Top Bank 2023 In Conventional - KBMI 4 OBSESSION DN2023 Obsession Award 2023 AWARDS 52 TEMPO-IDN Issuer Appreciation Night - Launching of Tempo Index - IDNFinancials 52 Platinum Category • Main Index • High Dividend • High Growth ⚫ High Market Capitalization Bisnis Indonesia Bisnis Indonesia Award 2023 AWARD 2023 National Private Bank PUBLIC RELATIONS INDONESIA AWARDS PRIA 2023 PR Indonesia Award (PRIA) 2023 • Digital Channel - Social Media - Instagram (bcasemuaberes) • Annual Report - Annual Report 2021 • Annual Report - Sustainability Report 2021 •⚫ Owned Media - Video Profile (Company Profile BCA) • Program PR Digital PR GRUP SCA BCA Always by your side A. COMPANIES POLL 2023 ASIAMONEY Asiamoney Asia's Outstanding Companies Poll 2023 • Overall Most Outstanding Company in Indonesia ⚫ Best for ESG in Indonesia • Most Outstanding Company in Indonesia (Banking Sector) THE ASIAN BANKER™ STRATEGIC BUSINESS INTELLIGENCE FOR THE FINANCIAL SERVICES CONMUNITY B UNIVERSE Best Bank 2023 Best of the Best Company Best Bank 2023 Category KBMI 4 The Asian Banker Leadership Achievement Award 2023 Bank of the Year in Asia Pacific 2023 THE ASIAN BANKER The Asian Banker INDONESIA AWARDS Indonesia Awards 2023 • Most Recommended Retail Bank • Most Selected Main Bank ⚫ Best Retail Bank BANKING SERVICE EXCELLENCE AWARD 20th Infobank - MRI Banking Service Excellent 2023 BCA - Titanium Recognition - 15 Consecutive years In Service Excellence ⚫The Best Internet Banking ⚫ The Best Digital Branch • The Best Opening Account via Mobile Application/Mobile Browser ⚫ The Best Live Chat • The Best Cash Recycling Machine ⚫ The 2nd Best Contact The 2nd Best Digital Channel The 2nd Best Mutual Fund Apps • The 2nd Best Email Service The 3rd Best E-Banking Bisnis Indonesia I FINANCIAL AWARD 2023 Bisnis Indonesia Financial Award 2023 ⚫ The Best Performance Bank (KBMI 4) • The Most Efficient Bank (KBMI 4) infobank ANALISIS-STRATEGI PERBANKAN & KEUANGAN Platinum Category Banking Mastery Forum 2023 • Excellent Financial Performance Bank in 20 Consecutive Years (2003-2022) • Excellent Financial Performance Bank in 2022 (BCA CAREER - #MUNGKINLOCOCOK) • Most Popular-Mass Media ICONOMICS LEADING DISRUPTION ECONOMY 4th Indonesia Public Relations Summit 2023 4th Corporate Reputation Awards 2023 - KBMI 4 MIX Marketing & Communication Journalist Choice Category - Financial Services (Communications Team) 8 Prominent Award 2023 Metro TV PROMINENT Awards The Most Prominent Book 4 Bank in Stock Market Valuation SEWINDU PR INDONESIA Sewindu Kami Mengabdi, untuk Komunikasi Negeri Sewindu PR Indonesia 100 Influential Institutions in the Field of Communication Analyst Meeting 1H-23 PT Bank Central Asia Tbk 35#36Awards and recognitions - 2023 (2/3) Brand & Marketing · Marketeers Youth KANTAR BRANDZ 2023 BrandZ Most Valuable Global Brand Marketeers Choice Award 2023 GLOBAL BRANDS Kouth • Banking Mobile Apps Most Valuable Global Brand - ranked 74th hoice (BCA Mobile) ward • Saving Account (Tahapan Xpresi BCA) Brand FinanceⓇ Indonesia's Strongest Brand 2023 AAA+ (92,9) 1st rank arketeers OMNI BRANDS of the Year 2023 OMNI Brands of the Year 2023 • Savings INDONESIA WOW BRAND 2023 • Integrated Education Campaign (#AwasModus) Digital Longue - myBCA • Call Center • Conventional Bank WOW Brand Festive Day 2023 • BCA Credit Card • KPR • BCA Mobile • Flazz Card • ATM POWER "Social VALUE SBBI Awards 2023 16/3 72023 Solo Best Brand & Innovation (SBBI) 2023 • Private Bank Savings Accounts GALLUP INTERNATIONAL Customer Service Gallup Global Customer Engagement Customer Engagement Recognition - Above Global Customer Engagement Average Score or 90th percentile • STEVIES 20 23 The 20th International Business Awards Marketing Campaign of the Year - Financial Products & Services (Bronze) Customer Service Department of the Year (Bronze) ❤ infobank ANALISIS STRATEGI PERBANKAN & KEUANGAN Infobank Satisfaction, Loyalty and Engagement (SLE) Awards 2023 • Satisfaction Index 2023 (1st rank) GRUP CA BCA Always by your side • Satisfcation Index 2023 - Customer Service (1st rank) • Satisfaction Index 2023 - ATM Conventional Bank (1st rank) • Satisfaction Index 2023 - Mobile Banking (2nd rank) • Satisfaction Index 2023 - Teller (2nd rank) • Satisfaction Index 2023 - Branch (2nd rank) Engagement Index 2023 (2nd rank) • • Credit Card • 17nnual indonesia award 2023 Indonesia Property & Bank Award 2023 The Most Favourite Mortgage Product (KPR BCA) CONTACT CENTER WORLD Global Contact Centre World Awards Asia Pasific 2023 • Gold winner in: CS Team, IT Team, Retention Team, Sales Team, Social Media Team, Client Service Team, and VIP Team. Silver winner in: Customer Loyalty, Organizational CX, Community Spirit, and OS Partnership: Infomedia. Bronze winner in: Sales Campaign. Loyalty Index 2023 (3rd rank) THE BEST CONTACT CENTER INDONESIA 2023 • The Best Operation The Best Contact Center Indonesia 2023 (TBCCI) • The Best Digital Media ⚫ The Best Customer Experience ⚫The Best Employee Engagement • The Best People Development • The Best Business Contribution • The Best Technology Innovation INDONESIA CUSTOMER SERVICE QUALITY AWARD 2023 Indonesia Customer Service Quality Award 2023 BCA (1st rank) • Credit Card (1st rank) BCA mobile (1st rank) •Halo BCA (1st rank) Analyst Meeting 1H-23 PT Bank Central Asia Tbk 36#37GRUP CA BCA Always by your side Awards and recognitions - 2023 (3/3) CSR FORTUNE INDONESIA CHANGE THE WORLD Fortune Indonesia Change the World Change The World (Bakti BCA) ICONOMICS LEADING DISRUPTION ECONOMY 5th Indonesia CSR Brand Equity Award 2023 Bank Sector Industry Category BIUNIVERSE INVESTOR DAILY PRFEINTX, CSR AWARDS 2023 CSR Award 2023 Integrated CSR Initiatives Financial Sector Category Human Capital HR Asia Award 2023 • • HR Asia Best Companies to Work for in Asia TM 2023 HR Asia Digital Transformation Awards HR Asia BEST COMPANIES TO WORK FOR 2023 IN ASIA 2023 BrandonHall EXCELLENCE AWARDS Brandon Hall Group HCM Excellent Awards Silver Winner Best Advance in Leadership Development STEWIES 20 23 Stevie Awards for Great Employers Best Results of a Learning Program GCG B UNIVERSE Transparency and Corporate Emission Reduction Award 2023 Transparency in Calculating Corporate Emissions - Platinum Category PIICD Indonesian Institute for Corporate Directorship The 14th IICD Corporate Governance Conference and Award Best Overall ASEAN Energy Business Forum ESG Asean Energy Business Forum (AEBF) 2023 Energy Efficient Building, subkategori New and Existing Building (Wisma Foresta) TrenAsia ESG Award 2023 TrenAsia ESG Award 2023 The Private Bank Category for Sustainability Analyst Meeting 1H-23 PT Bank Central Asia Tbk 37#38GRUP CA BCA Always by your side 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. Analyst Meeting 9M-23 PT Bank Central Asia Tbk 38#39Thank You GRUP BCA BCA Always by your side