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Investor Presentaiton

Profitability 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
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