Investor Presentaiton

Key Ratios BCA Always by your side Bank Only FY-20 FY-21 FY-22 ΔΥΟΥ 1Q-22 2Q-22 3Q-22 4Q-22 AQOQ NIM 5.7% 5.1% 5.3% 0.2% 4.9% 5.0% 5.4% 5.9% 0.5% COC 1.7% 1.6% 0.7% -0.9% 1.9% 0.6% 0.0% 0.4% 0.4% Risk Adjusted NIM 4.0% 3.5% 4.6% 1.1% 3.0% 4.4% 5.4% 5.5% 0.1% CIR 37.4% 34.9% 33.9% -1.0% 35.8% 32.9% 34.8% 32.5% -2.3% ROA (after tax) 2.7% 2.8% 3.2% 0.4% 2.5% 3.2% 3.4% 3.7% 0.4% ROE 16.5% 18.3% 21.7% 3.4% 16.8% 22.4% 22.7% 24.7% 2.0% CAR 25.8% 25.7% 25.8% 0.1% 23.9% 24.7% 25.4% 25.8% 0.4% LFR* 65.8% 62.0% 65.2% 3.2% 60.5% 63.5% 63.3% 65.2% 1.9% RIM 67.2% 63.7% 67.2% 3.5% 62.6% 65.4% 65.3% 67.2% 1.9% NSFR 171.8% 180.7% 169.2% -11.5% 176.9% 174.1% 172.6% 169.2% -3.4% LCR 379.2% 396.3% 393.5% -2.8% 405.3% 395.4% 407.1% 393.5% -13.6% NPL - gross NPL Coverage 1.8% 2.2% 1.7% -0.5% 2.3% 2.2% 2.2% 1.7% -0.5% 260.9% 240.0% 287.3% 47.3% 244.8% 246.4% 247.9% 287.3% 39.4% LAR 18.8% 14.6% 10.0% -4.6% 13.8% 12.3% 11.7% 10.0% -1.7% LAR Coverage incl. off B/S 28.1% 39.0% 53.8% 14.8% 44.7% 47.9% 49.9% 53.8% 3.9% *) BCA's LFR number is the same as LDR Analyst Meeting FY-22 PT Bank Central Asia Tbk 9

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