Investor Presentaiton

Loan diversification with intact quality Composition of BCA Business Loans by Sector (%) 22.9% 16.7% Manufacturing 22.1% 18.8% Trading BCA Business NPL by Sector (%) 4.6% 4.1% Manufacturing 2.0% 4.4% Trading BCA Always by your side ■ ВСА (Dec-22) Industry (Aug-22) 13.1% 9.1% 7.5% 6.6% 5.8% 6.1% 5.0% 4.7% 2.6% 3.1% 3.6% 1.7% 1.5% 0.6% Business Service Transportation Agriculture Construction Electricity, Gas & Water Social & Public Services Mining 1.9% 1.8% 1.8% 0.2% 0.1% 0.3% 0.3% Business Service Transportation Agriculture Note: Consolidated numbers based on LBU reporting category Analyst Meeting FY-22 3.9% ■ ВСА (Dec-22) Industry (Aug-22) 2.8% 1.7% 1.2% 0.4% 0.0% 0.2% Construction Electricity, Gas & Water Social & Public Services Mining PT Bank Central Asia Tbk 12

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