Investor Presentaiton

Key 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

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