Investor Presentaiton

Prudent 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

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