#1PT Bank Central Asia Tbk FY22 Results 26 January 2023 GRUP SCA BCA Always by your side#2Agenda Macroeconomy & banking industry highlights FY22 performance overview Sustainability finance and ESG Share data, ratings & awards Analyst Meeting FY-22 BCA Always by your side PT Bank Central Asia Tbk 2#3Macroeconomy & banking industry highlights BCA Always by your side Analyst Meeting FY-22 Macroeconomy & banking industry highlights FY22 Performance Sustainability Finance Share data, ratings PT Bank Central Asia Tbk 3 Overview & ESG & awards#4Economic highlights • Economy grows moderately on the back of resilient domestic consumption, still one of the highest among major economies • Good terms of trade and trade surplus to continue in 2023 albeit commodity prices will normalize. • Investment still has room for growth driven by foreign and domestic projects, and government capital expenditures. • Bank Indonesia increased its policy rate by 225 bps in total to 5.75% over the last 6 months to anticipate global headwinds and maintain domestic growth momentum. Inflation and BI Rates (%) 7% 6% 5% 4.75 4.75 4.37 4.25 4% 3.83 3.72 3.45 3.41 3.49 3.20 3.23 2.96 3% 2.79 2% Inflation 1% BCA Always by your side 6.00 BI 7-day (Reverse) Repo Rate 5.95 5.75 5.75 5.51 5.50 5.25 5.50 5.00 4.94 5.25 4.50 4.75 4.00 4.35 4.25 3.75 3.50 3.50 3.50 3.75 2.64 2.68 2.18 2.48 1.96 1.68 1.68 1.60 1.32 1.33 Jun-16 Feb-17 Oct-17 Jun-18 Feb-19 Oct-19 Jun-20 Feb-21 Dec-21 TTTTTTT Jun-22 Jan-23 Rupiah/USD 17,000 2021 2022 2023 16,575 Real GDP 3.30% 5.72%* 4.78% 16,000 15,743 15,235 CPI 1.87% 5.51% 4.43% 14,890 15,000 14,938 14,525 14,674 14,565 14,493 15,158 14,209 BI 7-D Rate 3.50% 5.50% 6.00% 14,668 13,830 14,000 13,661 13,565 13,609 13,853 14,076 USD/IDR 14,364 15,228 16,292 13,265 13,920 13,878 13,895 13,289 13,583 13,000 13,256 CA (% of GDP) 0.29% 1.28%* -0.19% 13,057 13,156 12,955 *) Q3-22 number 12,000 Source: Bank Indonesia & BPS for 2022, BCA economist for 2023 Jan-16 Jul-16 Feb-17 Source: Bloomberg ITTTTTTTTTTTTTTT TTTTTTTTTTTTTTTTTTTTTT Oct-17 Apr-18 Dec-18 Aug-19 Apr-20 Dec-20 Sep-21 May-22 Jan-23 Analyst Meeting FY-22 PT Bank Central Asia Tbk 4#5Banking sector: sustained business momentum • Banking sector loans increased 11.0% YoY driven by sustained business momentum across segments and economic sectors. Banking Sector Financial Summary (%) (Rp trillion) BCA Always by your side Sep-21 Dec-21 Sep-22 ΔΥΟΥ AYtD Total Assets 9,735 10,112 10,488 7.7% 3.7% . Deposit growth rate of 6.8% YoY, a normalized level owing to economic rebounds. LDR rose YtD, standing at 82.4% as loans outgrew deposits. • Margin improvement amidst amidst rising interest environment. Banking sector delivers sound profitability growth in 2022. Total Loans 5,653 5,769 6,275 11.0% 8.8% Third Party Funds 7,162 7,479 7,647 6.8% 2.2% CASA 4,277 4,576 4,776 11.7% 4.4% rate Current Accounts 1,982 2,144 2,250 13.5% 5.0% Savings Accounts 2,295 2,432 2,525 10.0% 3.8% Time Deposits 2,885 2,904 2,872 -0.5% -1.1% • Asset quality continued to improve. OJK extends the credit restructuring relaxation policy period until March 2024. Net Profit 104.6 140.2 154.5 47.6% n.a NIM 4.6% 4.6% 4.9% 30bp 30bp • CAR ratio to increase from the implementation of Standardized Approach for credit risk and operational risk effective Jan23. LDR 79.1% 77.5% 82.4% 330bp 490bp NPL 3.2% 3.0% 2.8% -40bp -20bp CAR 25.2% 25.7% 25.2% Obp -50bp Source: OJK Analyst Meeting FY-22 PT Bank Central Asia Tbk 5#6FY22 performance overview BCA Always by your side Analyst Meeting FY-22 Macroeconomy & banking industry highlights FY22 Performance Sustainability Finance Share data, ratings PT Bank Central Asia Tbk 6 Overview & ESG & awards#7Strong loan expansion, normalized funding growth (Rp billion) Dec-20 Dec-21 Sep-22 Dec-22 YOY QoQ Total Assets 1,075,570 1,228,345 1,288,723 1,314,732 7.0% 2.0% Secondary Reserves & Marketable Securities 408,197 476,970 475,539 446,367 -6.4% -6.1% Loans 588,672 636,987 681,983 711,262 11.7% 4.3% Third Party Funds 840,752 975,949 1,025,528 1,039,718 6.5% 1.4% CASA 643,862 767,012 830,447 847,938 10.6% 2.1% Current Accounts 229,821 285,640 318,274 323,924 13.4% 1.8% Savings Accounts 414,041 481,373 512,174 524,014 8.9% 2.3% Time Deposits Equity Analyst Meeting FY-22 196,890 208,937 195,081 191,780 -8.2% -1.7% 184,596 202,713 211,940 221,019 9.0% 4.3% BCA Always by your side PT Bank Central Asia Tbk 7#8Robust all-round performance (Rp billion) FY-20 FY-21 FY-22 YOY 1Q-22 2Q-22 3Q-22 4Q-22 QoQ Operating Income 74,757 77,897 86,817 11.5% 20,402 20,494 21,859 24,061 10.1% Net Interest Income 54,547 56,471 64,143 13.6% 14,483 15,291 16,319 18,051 10.6% Non Interest Income 20,210 21,427 22,673 5.8% 5,920 5,203 5,540 6,011 8.5% Fees and Commissions 13,161 14,680 16,584 13.0% 3,977 4,194 4,146 4,267 2.9% Trading Income Others 3,917 2,437 1,134 -53.5% 614 (164) 300 383 27.5% 3,132 4,310 4,956 15.0% 1,328 1,174 1,094 1,360 24.3% Operating Expenses 29,337 29,434 31,851 8.2% 7,722 7,331 8,123 8,675 6.8% Manpower 13,350 13,487 13,651 1.2% 3,907 3,290 3,510 2,946 -16.1% General & Administrative 15,987 15,947 18,200 14.1% 3,816 4,042 4,613 5,729 24.2% PPOP (Pre-Provision Operating Profit) 45,420 48,464 54,966 13.4% 12,680 13,163 13,737 15,386 12.0% Provision (11,599) (9,324) (4,527) -51.5% (2,818) (909) (191) (609) 218.5% Net Profit 27,131 31,423 40,736 29.6% 8,064 9,985 10,905 11,781 8.0% Analyst Meeting FY-22 BCA Always by your side PT Bank Central Asia Tbk 8#9Key Ratios BCA Always by your side Bank Only FY-20 FY-21 FY-22 ΔΥΟΥ 1Q-22 2Q-22 3Q-22 4Q-22 AQOQ NIM 5.7% 5.1% 5.3% 0.2% 4.9% 5.0% 5.4% 5.9% 0.5% COC 1.7% 1.6% 0.7% -0.9% 1.9% 0.6% 0.0% 0.4% 0.4% Risk Adjusted NIM 4.0% 3.5% 4.6% 1.1% 3.0% 4.4% 5.4% 5.5% 0.1% CIR 37.4% 34.9% 33.9% -1.0% 35.8% 32.9% 34.8% 32.5% -2.3% ROA (after tax) 2.7% 2.8% 3.2% 0.4% 2.5% 3.2% 3.4% 3.7% 0.4% ROE 16.5% 18.3% 21.7% 3.4% 16.8% 22.4% 22.7% 24.7% 2.0% CAR 25.8% 25.7% 25.8% 0.1% 23.9% 24.7% 25.4% 25.8% 0.4% LFR* 65.8% 62.0% 65.2% 3.2% 60.5% 63.5% 63.3% 65.2% 1.9% RIM 67.2% 63.7% 67.2% 3.5% 62.6% 65.4% 65.3% 67.2% 1.9% NSFR 171.8% 180.7% 169.2% -11.5% 176.9% 174.1% 172.6% 169.2% -3.4% LCR 379.2% 396.3% 393.5% -2.8% 405.3% 395.4% 407.1% 393.5% -13.6% NPL - gross NPL Coverage 1.8% 2.2% 1.7% -0.5% 2.3% 2.2% 2.2% 1.7% -0.5% 260.9% 240.0% 287.3% 47.3% 244.8% 246.4% 247.9% 287.3% 39.4% LAR 18.8% 14.6% 10.0% -4.6% 13.8% 12.3% 11.7% 10.0% -1.7% LAR Coverage incl. off B/S 28.1% 39.0% 53.8% 14.8% 44.7% 47.9% 49.9% 53.8% 3.9% *) BCA's LFR number is the same as LDR Analyst Meeting FY-22 PT Bank Central Asia Tbk 9#10Broad-based loan increase Business Loans (Rp tn) - Consolidated Loan Breakdown (Rp bn) - Consolidated BCA Always by your side 337 Dec-21 Sep-22 Dec-22 ΔΥΟΥ AQOQ 306 287 W. Capital Corporate 286,490 306,065 322,176 12.5% 5.3% (+10.2% YoY, +4.3% QoQ) 226 Commercial & SME 190,882 203,547 210,162 10.1% 3.2% 203 179 Investment (+11.2% YoY, +4.6% QoQ) Consumer 153,367 164,965 171,347 11.7% 3.9% Mortgage 97,530 105,003 108,299 11.0% 3.1% Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Vehicles 40,602 43,776 46,128 13.6% 5.4% Loan Composition (Rp bn) - Consolidated Corporate I Commercial & SME Consumer C.Cards & Others 15,235 16,185 16,920 11.1% 4.5% 636,987 637,131 675,362 681,983 711,262 Sharia Financing 6,248 7,406 7,577 21.3% 2.3% 24.1% 24.3% 23.8% 24.2% 24.1% Total O/S Loans 636,987 681,983 711,262 11.7% 4.3% 30.0% 29.6% 29.3% 29.8% 29.5% Total Facilities 911,088 990,127 1,034,162 13.5% 4.4% 26,174 27,838 32,747 25.1% 17.6% 45.0% 45.0% 45.9% 44.9% 45.3% Corp. Bonds Loans + Corp. Bonds 663,161 709,821 744,009 12.2% 4.8% Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Analyst Meeting FY-22 PT Bank Central Asia Tbk 10#11Sound new booking in consumer lending Mortgage New Booking & Run Off - Quarterly (Rp tn) Vehicle New Booking & Run Off - Quarterly (Rp tn) New Booking Run Off New Booking Run Off YoY O/S Growth 8.2% 9.8% 10.4% 11.0% 8.5% -1.4% 9.1 7.2 6.6 6.5 4Q-21 1Q-22 10.2 6.8 2Q-22 Note: Bank Only runoff and new booking, Consolidated YoY growth BCA MAKE YOUR DREAM HOME COME TRUE SPESIAL KPR BCA 3.6% 4.8% BCA Always by your side -YoY O/S Growth 13.6% 9.2% 10.5 10.0 9.2 7.2 7.1 7.0 6.6 6.7 5.8 5.6 5.9 5.5 5.7 6.1 3Q-22 4Q-22 NEW YEAR PROMO Kasan CASHBACK 14 IT SPECIAL FOR YOU Angsuran Ringan Bulah march A Promo Auto 2-Wheeler Mortgage Unt Analyst Meeting FY-22 Mortgage Portal Find your dream home Visit 4Q-21 1Q-22 2Q-22 Note: Bank Only runoff and new booking, Consolidated YoY growth rumahsaya.bca.co.id Vehicle Refinancing Get refinancing with BPKB as Guarantee Bebas Biaya Aturan TLO BCA Vehicle Refinancing 3Q-22 4Q-22 BCA Vehicle Loans Buy new cars with year-end special rates 2.77 Tenor 1 Tahun fot.p.a Auto 4-Wheeler - Fix Rate PT Bank Central Asia Tbk 11#12Loan diversification with intact quality Composition of BCA Business Loans by Sector (%) 22.9% 16.7% Manufacturing 22.1% 18.8% Trading BCA Business NPL by Sector (%) 4.6% 4.1% Manufacturing 2.0% 4.4% Trading BCA Always by your side ■ ВСА (Dec-22) Industry (Aug-22) 13.1% 9.1% 7.5% 6.6% 5.8% 6.1% 5.0% 4.7% 2.6% 3.1% 3.6% 1.7% 1.5% 0.6% Business Service Transportation Agriculture Construction Electricity, Gas & Water Social & Public Services Mining 1.9% 1.8% 1.8% 0.2% 0.1% 0.3% 0.3% Business Service Transportation Agriculture Note: Consolidated numbers based on LBU reporting category Analyst Meeting FY-22 3.9% ■ ВСА (Dec-22) Industry (Aug-22) 2.8% 1.7% 1.2% 0.4% 0.0% 0.2% Construction Electricity, Gas & Water Social & Public Services Mining PT Bank Central Asia Tbk 12#13LAR improved to 10.0%, a consistent downtrend Loan Quality & Restructured Loans (Rp tn) - Bank Only Restru. Loans - Coll.1, LAR Coverage - Bank Only BCA Always by your side Rp trillion Dec-21 Sep-22 Dec-22 ΔΥΟΥ AQOQ 53.8% 49.9% 47.9% Total Loans by Collectability (bank only): 44.7% LAR Cov. Current 594.7 636.3 39.0% 667.7 12.3% 4.9% Special Mention 12.5 12.1 11.6 -7.0% -3.7% 10.5% of total loans 64.9 NPL 13.4 14.3 11.8 -12.1% -17.6% 58.6 Consumer 25.2% 53.4 Total Loans Restructured Loans (bank only): 620.6 662.7 691.1 11.4% 4.3% 51.2 25.6% 46.0 25.6% SME 11.0% 23.9% 6.7% of total loans 10.6% Current 64.9 51.2 46.0 -29.2% -10.3% 24.6% 10.3% 10.0% Special Mention 8.7 6.9 6.8 -21.8% -1.1% Commercial 30.6% 11.2% 30.5% 29.1% 25.7% NPL 24.6% 8.9 10.7 9.5 6.3% -11.5% Total Restruct. Loans 82.5 68.8 62.2 -24.6% -9.5% Corporate 33.2% 33.3% 35.0% 40.4% Total LAR % LAR / Loans 90.8 77.6 69.4 -23.6% -10.6% 39.0% 14.6% 11.7% 10.0% -4.6% -1.7% Analyst Meeting FY-22 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 PT Bank Central Asia Tbk 13#14Ample credit coverage Special Mention Composition (% of Total SML, Rp tn) Consolidated Corporate Commercial & SME Consumer -SML Ratio 2.0% 2.0% 2.0% 1.8% 1.7% NPL Composition (% of Total NPL, Rp tn) Consolidated BCA Always by your side Corporate Commercial & SME Consumer -NPL Ratio 2.2% 2.3% 2.2% 2.2% 1.7% 13.3 13.2 13.8 12.7 11.0 13.7 14.6 14.8 14.6 12.1 37.1% 38.2% 36.9% 41.8% 32.1% 17.3% 16.8% 18.3% 16.4% 15.7% 23.0% 26.7% 32.8% 33.9% 29.4% 37.0% 36.0% 37.5% 37.6% 33.4% 59.2% 55.9% 48.3% 48.9% 54.0% 24.3% 24.6% 24.5% 23.6% 26.7% Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Note: The remaining contribution came from Sharia financing Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Note: The remaining contribution came from Sharia financing Loan Staging (Rp tn) - Consol excl. sharia & consumer receivables 55.5% 65.4% 2.0% Coverage ratio (ECL on balance sheet) 659.1 23.9 11.9 Stage 1 Stage 2 Stage 3 % to Total 94.9% 3.4% Analyst Meeting FY-22 Loans 1.7% PT Bank Central Asia Tbk 14#15CASA Ratio reached 81.6% Third Party Fund Composition (Rp bn) - Consolidated BCA Always by your side Third Party Funds (Rp bn) - Consolidated ■Savings Current Accounts Time Deposits Dec-21 Sep-22 Dec-22 ΔΥΟΥ AQOQ CASA 767,012 830,447 847,938 10.6% 2.1% 1,039,718 1,025,528 997,761 1,011,043 Current Accounts 285,639 318,274 323,924 13.4% 1.8% 975,949 18.4% 19.0% 19.1% 20.0% 21.4% Savings Accounts Time Deposits 481,373 512,174 524,014 8.9% 2.3% 208,937 195,081 191,780 -8.2% -1.7% Third Party Funds 975,949 1,025,528 1,039,718 6.5% 1.4% CASA Ratio 78.6% 81.0% 81.6% 3.0% 0.6% 31.2% 30.1% 31.0% 30.2% 29.3% 49.3% 49.8% 50.7% 49.9% 50.4% Di BCA CASA Ratio: 81.6% Check credit card limit, balance & e-statement anytime myBCA Pay everything with RIS di C QRIS BECOMES A MERCHANT Apply now BCA Stat ST009 Cashback Fo Welma wwwww Tolat Anggun Kalau dimiste Nomor Kartu ATM PIN, Kode OTP Kode CVV/CVC Security Awareness Attractive Rate BCA Transat valas babag camar cok di BICA Aktivasi BCA ID Merchant BCA Merchant BCA Biometric myBCA Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Analyst Meeting FY-22 FX transaction PT Bank Central Asia Tbk 15#16Digital transactions record new highs No.of Customers 40% in 2 years No.of transactions mobile banking 2.4x No. of mobile banking users 3.5x in 4 years in 2 years Transaction Volume - Quarterly (million). 1,916 3,033 API trx vol. BCA Always by your side QRIS Trx value 5.5x 5.9x in 2 years YOY FY-22 YOY Transaction Value - (Rp tn) 4,424 50.4% FY21 FY22 ΔΥΟΥ 3Q22 4Q22 AQOQ Mobile Banking 4,048 5,460 34.9% 1,411 1,496 6.0% Internet Banking 15,119 17,471 15.6% 4,488 4,560 1.6% 1,201 1,203 14.6% 1,229 915 ATM 2,145 2,245 4.7% 568 554 -2.5% 650 522 552 10.2% 483 524 29 27 39 26 -4.0% Branch Banking 13,127 14,055 7.1% 3,519 3,715 5.6% 4Q19 4Q20 4Q21 4Q22 Analyst Meeting FY-22 PT Bank Central Asia Tbk 16#17Continuous innovations New Biometrics Feature in myBCA and BCA mobile Trx. Volume Composition 76.9% 21.5% 1.6% Branch 4Q19 Analyst Meeting FY-22 my OCA BCA haloBCA SBI Fast Mak BCA BI-Fast Integration of TRANSFER EASILY ATM &SCA Transactions Welma into myBCA BCA grew 42% QoQ Rising the bar for mobile & internet channels Mobile & Internet 90.7% 88.9% 84.7% 14.4% 0.9% 3Q20 Trx. Value Composition 51.6% BCA Always by your side 1500888 Larger contact center supported >4 mn online account opening in FY22 56.2% Mobile & Internet 58.7% 48.6% 44.0% 41.6% 38.1% ATM 10.6% 8.9% 7.3% 0.6% 0.4% 2Q21 1Q22 4Q22 4Q19 3Q20 6.8% 2Q21 Branch 36.0% ATM 5.7% 5.4% 1Q22 4Q22 PT Bank Central Asia Tbk 17#18Profitability trend Quarterly Operating Income (Rp bn) - Consolidated Net Interest Income Non Interest Income 24,061 21,859 20,291 20,402 20,494 Cost to Income & Cost of Credit - Bank Only CoC -CIR 34.9% BCA Always by your side 35.8% 34.3% 34.5% 33.9% 75.0% 1.9% 70.5% 71.0% 74.7% 74.6% 1.6% 1.2% 0.8% 0.7% 29.5% 29.0% 25.4% 25.3% 25.0% 4Q-21 1Q-22 2Q-22 3Q-22 4Q-22 FY-21 1Q-22 1H-22 9M-22 FY-22 NIM & Risk Adj. NIM - Bank Only Interest Rate* 6.5% NIM Risk Adjusted NIM 6.0% 6.0% 5.8% 5.5% 5.3% 5.0% 5.1% 4.9% 3.5% 5.0% 5.1% 5.3% 5.0% 4.8% 4.8% 4.5% 4.5% 4.6% 1M SBI/BI Time Deposits 4.4% 4.5% 4.2% 4.3% 4.3% 4.0% 3.8% 4.0% 4.0% 3.8% 3.5% 3.5% 3.0% 3.5% 3.5% 3.3% 3.3% 3.0% 3.0% 3.0% 3.0% 3.4% 3.0% 3.0% 2.9% 2.7% 2.5% 2.5% 2.0% 1.5% FY-21 Analyst Meeting FY-22 1Q-22 1H-22 9M-22 FY-22 BCA 1M IDR Time Deposits Dec-19 Apr-20 Jul-20 Nov-20 Mar-21 Jun-21 Oct-21 Jan-22 Apr-22 Aug-22 Oct-22 Dec-22 *Maximum interest rate offered 2.0% 1.9% 1.9% 1.9% 2.0% 2.1% PT Bank Central Asia Tbk 18#19Dividend and Capital Management Nominal Capital Growth (Rp tn) YoY Growth 15.9% 14.0% Dividend Payout Ratio (DPR) 8.9% 8.3% 5.1% 221 204 178 187 156 Tier 2 32.4% Tier 1 95.7% 96.0% 96.3% 96.3% 96.3% 27.0% 47.9% 48.2% BCA Always by your side 56.9% 2018 2019 2020 2021 2022 2017 2018 2019 2020 2021 RWA 652 722 695 758 822 Dividend Per Share 63.2% Div/share 27.5% growth % 33.3% Div/share (Rp) -4.5% 36.8% 145 111 106 68 51 2017 2018 2019 2020 2021 Analyst Meeting FY-22 • Aims for sizable nominal capital : to grow corporate loans in compliance with Legal Lending Limit (LLL) Maximum LLL is at 25% of Tier 1 capital for one group customer. Strong CAR accommodates RWA on private enterprises, which require higher weighting compared to state-owned companies. ~ Dividend per Share grew 3x since 2017, on the back of sustainable earnings growth and rising dividend pay out ratio. PT Bank Central Asia Tbk 19#20Sustainability finance and ESG Economic Aspect Environment Social Governance BCA Always by your side Analyst Meeting FY-22 Macroeconomy & banking industry highlights FY22 Performance Sustainability Finance Share data, ratings Overview & ESG & awards PT Bank Central Asia Tbk 20#21BCA Always by your side Economic Aspect Sustainable financing grew 14.9% YoY Sustainable Financing (Rp tn) 25.0% Sustainable Financing % YoY Growth 14.9% 13.7% 2.2% 183 159 125 128 Key Milestones up to 2022 Pursue sustainable financing opportunities to support lower carbon economy. Dec-19 Dec-20 Dec-211 Dec-22 % to total 21.3% 22.2% 24.8% portfolio 25.4% Promote ESG by establishing responsible lending policies in 5 sectors: palm oil, forestry & wood products, coal mining, toll road, and cement & steel. Top 3 Segments with Highest Growth as of Dec-22 (Rp tn) Mapped 450 top debtors in alignment with 'OJK's Green Taxonomy' to drive corporates in implementing sustainability practices. +16.0% +14.2% 102.3 88.2 66.1 57.9 +16.0% +5.9% 6.0 6.9 7.4 7.8 MSME Natural resources & sustainable land use Sustainable transportation ■Dec-211 Dec-22 Others Notes: 1) Restated Analyst Meeting FY-22 GHG emission scope 3 data development in collaboration with debtors to support Indonesia's program to achieve lower greenhouse gas emissions. Enhance ESG aspects in loan underwriting and due diligence. PT Bank Central Asia Tbk 21#22Economic Aspect Active sustainability initiatives across segments » Increasing Exposure to MSME debtors >> Financing to Palm Oil Farmers More Than 2x in Two Years Cumulative no. of MSME debtors (incl. loan settled) +48% in 2 years 181,738 149,362 122,476 Dec-20 Empowering Women Entrepreneurs Dec-21 Dec-22 in Rp billion 1,628 931 Dec-20 1,919 Dec-21 Dec-22 Certification on Palm Oil Financing: BCA Always by your side MULTIPURPOSE LOANS 35,790 women debtors (30.0% YoY) FOR WOMEN only 3,88%... Rp12.3 tn loan outstanding Dec-20 Dec-22 ISPO and RSPO Certified 8 30 (18.3% YoY) RSPO Certified 12 16 34.6% 25.7% Special Pricing for Women - Apr 2022 ISPO Certified 28 13 of Individual MSME debtors of Individual MSME portfolio # Palm Oil Corporate Debtors with Certifications 48 59 Commitments to support Micro & SMEs Facilitated 1,200 MSMEs to promote local products through BCA UMKM Fest with more than >45,000 transactions. Supporting business development of 537 MSMEs by providing trainings and coaching under #Bangga Lokal campaign. Empowered local community and MSME in BCA tourism villages through coaching on waste management and financial & business planning. Disbursement of micro loans (KUR) reached Rp478 bn (132% YoY). % of Certified Palm Oil Debtors 50.0% 65.6% % of Certified Palm Oil Loan Outstanding 45.2% 68.1% Lending Policy for Palm Oil Sector Obtain palm oil certifications (ISPO/RSPO). Adopt no-deforestation, no-peat, no-exploitation (NDPE) principles. Implement low carbon business practices and local community empowerment. Develop action plan and timeframe on sustainable business practices Analyst Meeting FY-22 PT Bank Central Asia Tbk 22#23Environment Estimated carbon savings potential of 1,995.8 tCO2 eq, grew 124.8% YoY Total potential savings: 1,995.8 tCO2eq BCA Always by your side >2x from 2021 A Recycle & Waste Management A Potential savings of EDC Machine Waste Recycled 22.7 ton + 5.2x YoY Plastic pellets, iron Recycling Output 348.9 tCO2eq 3.3 ton Cards + 3.5x YoY Digital Banking Operation B Potential savings of 1,458.3 tCO2eq Non-Organic 48.5 ton + 6.6x YoY Paving blocks Plastic pellets, reusable pulps, etc. Total waste recycled 518 ton +40.7x YoY or Green Building & Energy Efficiency Archives & Documents 436 ton Reusable pulps NEW C Potential savings of 148.9 tCO2eq ATM 7.0 ton ATM Cartridges NEW Plastic pellets, flakes Equivalent to saving 29,606 trees Nature Conservation D Analyst Meeting FY-22 Potential savings of 39.7 tCO2eq 0.5 ton Uniforms Reusable fabrics NEW PT Bank Central Asia Tbk 23#24Environment Digital banking contributed 73% to total carbon savings potential, grew 82.9% YoY Total potential savings: 1,995.8 tCO2eq BCA Always by your side >2x from 2021 B Recycle & Waste Management Transaction Volume - Quarterly (million) 6,178 A B Potential savings of 348.9 tCO2eq Digital Banking Operation Potential savings of 1,458.3 tCO2eq 1 I Green Building & Energy 4,738 3,314 2,403 % of total trx (FY22) Digital Channel 99.5% 39 29 27 26 Branches 0.5% 4Q19 4Q20 4Q21 4Q22 Efficiency C Potential savings of 148.9 tCO2eq Digital internal administration Digital approval mechanism Nature Conservation D Potential savings of 39.7 tCO2eq Online internal event Work From Hub Analyst Meeting FY-22 Estimated carbon savings potential 973.3 tCO2eq Estimated carbon savings potential 485.0 tCO2eq PT Bank Central Asia Tbk 24#25Environment Potential savings from green building & energy efficiency rose 152.8% YoY Total potential savings: 1,995.8 tCO2eq BCA Always by your side >2x from 2021 C Recycle & Waste Management 2020 2021 2022 A Installed solar panels in 4 buildings and EV charging stations in 2 buildings. Potential savings of 348.9 tCO2eq Electricity consumption intensity (kWh/m²) 185 159 135 Replacing AC with more efficient refrigerants. Switching to LED lights. Digital Banking Operation B Potential savings of 1,458.3 tCO2eq Green Building & Energy Efficiency C Potential savings of | 148.9 tCO2eq Nature Conservation D Potential savings of 39.7 tCO2eq Analyst Meeting FY-22 | Reached "a fairly efficient" level (<222 kWh/m2/year) based on SNI 03-6196-2000 (energy audit procedure on buildings). BCA Foresta, obtained platinum green building certifications and won 1st rank in Subroto Awards 2022 for Energy Efficient Building. D » Trees planted annually 5,872 2,100 24,631 FY20 FY21 FY22 » 5,808 employees joined Walk for Tree program, resulted in 19,400 trees planted across 20 areas in Indonesia »22.5 hectare critical land rehabilitation for orangutan conservation PT Bank Central Asia Tbk 25#26Social Creating added values to wider communities and employees >> Bringing positive impacts to external communities Customer Satisfaction Metrics >> To employees: inspired to be a workplace of choice Spending on employee well-being 670* BCA Always by your side Customer Engagement: 4.73 Branch Service Quality: out of 5.00 (FY21: 4.67) 4.86 out of 5.00 (FY21: 4.87) Rp bn 595 589 Provides various benefits for employees (i.e. medical facilities, festive allowance, employee loans, etc.) Internal capacity building: employee learning & development through training and support for higher educational levels. Average training hours reached 38.8 hours per employee (FY21: 28.1 hours). CSR Initiatives & Outreach Education & Financial Literacy 870 recipients of Bakti BCA scholarships across 18 universities 155,769 participants of financial literacy socializations & activities 578 participants of non-degree education program Community Empowerment 15 assisted tourism villages 10 tourism villages in partnership with Ministry of Tourism Public Health 803 cataract surgeries 12,884 medical assistances Analyst Meeting FY-22 FY20 FY21 FY22 *Notes 2021 data include Covid-19 related expenses Equal Opportunities & Gender Diversity Female employees compared to total employees 61.4% (FY21: 61.6%) Female occupying Director and Manager positions 60.6% (FY21: 60.2%) Promoted female employees out of total employee promotion 61.7% (FY21: 61.4%) PT Bank Central Asia Tbk 26#27Governance Strengthening corporate governance Good governance for sustainable business practices Fair dealing applied to both internal & vendors (e.g. occupational health & safety, human rights, employment, etc.) 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 Rising importance of IT Governance Enterprise Security Unit to oversee the implementation of cyber security internally Data protection technologies to ensure data privacy งง A= Enforcing data security policy across all work units. Raising cybersecurity awareness for employees, customers, and clients YoY increase in budget for IT & 66.9% Data Security 1,715 Specialized employees on IT & data security (21.7% YoY) Obtained IT & Data Security Certifications 1 ISO 27001:2013 for Enterprise Security 2 PCI DSS 3.2.1 certification for BCA data center (global data security) 3 ISO 20000-1:2018 for IT service management & data center 4 ISO 9001:2015 for data center operations & quality management system 5 ISO 27001:2013 for data center network & operation Analyst Meeting FY-22 BCA Always by your side PT Bank Central Asia Tbk 27#282023 Key Priorities Economic Grow sustainable finance portfolio Integrate ESG risk evaluations Implement OJK Indonesian Green Taxonomy Debtor engagement to promote the implementation of sustainability principles Analyst Meeting FY-22 Environment Social 000 T BCA Always by your side Governance • • Achieve higher carbon emission reduction through digitalization Enrich greenhouse gas emission database Maintain "fairly efficient" electricity consumption <222kWh/m2/year • Refresh Bakti BCA's Impact Focused Support "Bangga Berwisata #DilndonesiaAja" nationwide movement Organize BCA's employee social program "BCA Daur Harapan" . • • Manage & recycle waste • Improve ESG awareness & communication • Develop Sustainable Finance Action Plan (RAKB) for 2024- 2028 Continue the implementation of GCG principles to drive sustainable performance Strengthen IT security & governance Preparation for the implementation of the Personal Data Protection Act PT Bank Central Asia Tbk 28#29ESG Rating & Awards MSCI Indonesia Index Top 10 Constituents MSCI ESG RATINGS AA FTSE4Good ASEAN 5 Index Top 10 Constituents CCC B BB BBB A AA AAA Last update: Dec 2022 Analyst Meeting FY-22 FTSE4Good Last update: Dec 2022 IDX Inderale Stock Exch KEHATI BCA constituents of: • IDX ESG Leaders Index • SRI - KEHATI Index • ESG Quality 45 IDX - KEHATI ESG Sector Leaders IDX - KEHATI Last update: Dec 2022 Thomson Reuters - Refinitiv ESG Scores Rating A REFINITIV Down Jones Sustainability Index S&P Global CSA Score 53 Rank percentile 79th S&P Global Last update: Nov 2022 - Annually BCA Always by your side INDONESIA'S SDCS ACTION AWARDS 2022 "2nd Rank-Big Company Category" Indonesia's SDGs Action Award 2022 TrenAsia "Sustainability Excellence Private Bank Category" ESG TrenAsia ESG Excellence Excellence 2022 Award 2022 "ASEAN Asset Class 2021" ACGS ASEAN Corporate ASEAN CORPORATE GOVERNANCE SCORECARD Governance Scorecard Last update: Nov 2022 - Annually IICD Indonesian Institute for Corporate Directorship "The Best Overall Big Caps" The 13th ICD Corporate Governance Award 2022 PT Bank Central Asia Tbk 29#30Share data, ratings & awards BCA Always by your side Analyst Meeting FY-22 Macroeconomy & banking industry highlights FY22 Performance Sustainability Finance Share data, ratings Overview PT Bank Central Asia Tbk 30 & ESG & awards#31BCA share performance & rating BCA Shareholding Structure (31 December 2022) Performance BBCA vs IDX Finance Index (Relative price up to 12 Jan 2023 against 1 Jan 2018) BCA Always by your side Number of Shares Ownership Percentage 112.3% 110% BCA Share Price 87.2% PT Dwimuria Investama Andalan * 67,729,950,000 54.94% 90% 76.9% 67.7% Public** 55,545,100,000 45.06% 70% 84.4% 67.2% 57.0% 50.7% М 51.1% Total 123,275,050,000 100.00% 50% -43.4% 36.6% 33.2% 30% Note: 20.4% -24.7% * 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. 10% -10% 23.7% 17.3% 1.1% 11.7% -6,3% IDX Finance Index -22.8% Fitch Ratings Pefindo Ratings -30% Jan-18 Aug-18 Mar-19 As of 31 December 2022 As of 31 December 2022 Description Rating Description Rating Outlook Stable Issuer idAAA/Stable Local long-term rating AA+ (idn) Local IDR Sub-debt idAA OBCA Issuer default- long-term rating BBB- Issuer default - short-term rating F3 Government support rating bbb- Analyst Meeting FY-22 -25.8% Oct-19 Jun-20 Feb-21 Oct-21 Jun-22 Jan-23 Market Cap BCA: Rp1,054 tn (31 Dec 22) "The Largest in Indonesia" 瓜 mm YoY BCA Share Price: +17.1% (Dec-22 YoY) YoY IDX Finance Share Price: -7.3% (Dec-22 YoY) PT Bank Central Asia Tbk 31#32Awards and recognitions - 2022 COUNTRY AWARDS Best Bank 2022 FinanceAsia Forbes Forbes 2017 WORLD'S BEST BANKS FinanceAsia Country Awards 2022 Best Domestic Bank in Indonesia Forbes World's Best Bank 2022 Best Bank in Indonesia (1st rank) Brand FinanceⓇ Brand & Marketing Brand Finance Banking 500 2021 1st Place on Top 10 Strongest Banking Brands (AAA+ rating) HERSTORY INDONESIA SAILL MILLENNIAL Indonesia Millenial Women Brand Choice Awards 2022 Top 5 Millennial Women Favorite Brand 2022 for categories: BCA Mobile, Bank BCA, Flazz CSR ICONOMICS LEADING DISRUPTION ECONOMY Indonesia CSR & TJSL Awards 2022 CSR Award in Bank Sector Industry 2022 BISRA2022 BCA Always by your side EUROMONEY JUNG 3S FOR FOUR FICT 2011 Euromoney Awards for Excellence 2022 REALESTATE 2022 MARKETING EXCELLENCE AWARDS Marketing Excellence Awards 2022 • Best Bank in Indonesia • EUROMONEY Euromoney Real Estate Awards 2022 Overall Winner Real Estate Awards category Wiria Ekotomi.cod IMACO www.RD 2017 Banks in Indonesia CNBC Indonesia Awards 2022 Most Valuable Banks Indonesia Most Acclaimed Companies Awards 2022 Most Acclaimed Company with Outstanding Business Ecosystem Through Banking Digitalization Gold Excellence in Brand Strategy for Anti-Fraud Campaign Gold Excellence in Pivot Marketing for BCA Expoversary Silver Excellence in Event Marketing for BCA Expoversary • Silver Excellence in Marketing Transformation for BCA Expoversary Silver Excellence in Performance Marketing for Anti-Fraud Campaign Customer Service GALLUP INTERNATIONAL Gallup Customer Engagement Survey Customer Excellence Recognition Warta Ekonomi .co.id Pempektif Bani Bisnis & Ekonom Indonesia Millennials' Brand Choice Awards 2022 Most Popular Millennial Brand, for categories: BCA Mobile & Flazz Card Bisnis Indonesia Social Responsibility Award (BISRA) 2022 Gold Champion for Public Non-SOE Company TopBusiness INSPIRE GREAT BUSINESS PERFORMANCE Top CSR Awards 2022 • TOP CSR Golden Trophy 2022 • TOP CSR Awards 2022 #Star5 ANUGERAH CHANYE CSR Digital CX Digital Digital CX Awards 2022 Outstanding Digital CX SME Loan IDX 12022 Anugerah CSR IDX Channel 2022 Winner Environmental Development Initiatives Category THE DIGITAL DANKER TEMPO TINANCIAL AWARL 2022 Tempo Financial Award 2022 The Best Bank in Digital Services Category Conventional Banks LPS BANKING AWARDS LPS Banking Awards 2022 • Most Active Bank to Engage in Improving Financial Literacy Most Active Bank to Engage in CSR Activities Analyst Meeting 9M-22 PT Bank Central Asia Tbk 32#33Awards and recognitions - 2022 ESG Public Relations & Investor Relations INDONESIA'S SDCB ACTION AWARDS 2022 Indonesia's SDGs Action Award 2022 Category Big Company - 2nd rank PUBLIC RELATIONS INDONES A AWARDS PRIA 2022 PR Indonesia Awards 2022 • Best Annual Report ⚫ Best Video Company Profile • Most Popular on Printed Media Digital THE DIGITAL BANKER Digital CX Digital CX Awards 2022 Outstanding Digital CX SME Loan TrenAsia ESG Excellence Award 2022 Tren Asia Sustainability Excellence for Private Bank ESG Category Excellence 2022 ►MIX Marketing Communication Indonesia PR of The Year 2022 • PR Practitioners of The Year 2022 (Journalist Choice) • Best Corporate Communication Team TEMPO FINANCIAL AWARIY 2022 Tempo Financial Award 2022 The Best Bank in Digital Services - Category Conventional Banks Subroto Award Energy-Efficient Building - 1st rank (Wisma BCA Foresta) GCG IIED The 13th IICD CG Award Indonesian Institute for Corporate Dire Largest market capitalization with the best GCG practices (Big Cap PLCs category) Analyst Meeting 9M-22 ACSA AWARDS CSA Awards 2022 Best of the Best Analyst's Favorite in Best of the Best Financial Sector BEST BCA Always by your side Best Digital Brand Award 2022 • Halo BCA for Category Best Contact Center ⚫m-BCA for Category Mobile Banking • Tabungan BCA for Category Savings PT Bank Central Asia Tbk 33#34BCA 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 FY-22 PT Bank Central Asia Tbk 34#35Thank You GRUP SCA BCA Always by your side