Investor Presentaiton

Banking Industry (2/3) Sep-21 79.4% 8.3% 4.9% Dec-21 BCA Loans vs Industry (YoY) 80.5% 85.7% Industry LDR BCA CASA vs Industry (YtD) GRUP CA BCA Always by your side 2.4% 2.0% 1.7% 1.5% BCA CASA 0.9% 11.7% 10.3% BCA Loans 0.0% -0.2% -0.5% 11.0% 8.9% Industry Loans -3.3% -3.2% -4.2% -3.9% -3.9% -3.8% -3.6% Industry Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Aug-23 Dec-22 Source: Bank Indonesia Jan-23 Feb-23 Mar-23 -4.6% Apr-23 May-23 Jun-23 CASA Jul-23 Aug-23 Source: Bank Indonesia LDR is on the rise as liquidity in the banking system tightens. Bl still maintains high reserve requirement rate (RRR). BCA outperformed the Industry. • Many banks recorded elevated cost of funds. Analyst Meeting 9M-23 PT Bank Central Asia Tbk 7

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