Investor Presentaiton

Ample 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

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