Investor Presentaiton

All segments drove loan growth Business Loans (Rp tn) - Consolidated 290.3 190.2 360.9 322.7 W. Capital (+11.8% YoY, +7.2% YtD, +5.0% QoQ) 242.0 215.7 GRUP SCA BCA Always by your side Loan Breakdown - Consolidated Rp trillion Dec-22 Sep-23 ΔΥΟΥ AYtD AQOQ Corporate 322.2 343.5 12.2% 6.6% 5.4% Commercial 117.4 121.0 6.5% 3.1% 2.7% Investment SME (+12.2% YoY, +7.2% YtD, +3.3% QoQ) Consumer Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Loan Composition (Rp tn) - Consolidated Corporate Commmercial SME Consumer 682.0 711.3 735.9 92.9 104.8 16.4% 12.8% 3.4% 172.2 189.6 14.4% 10.1% 3.2% Mortgage 109.1 117.9 11.5% 8.1% 2.9% Vehicles 46.1 53.5 22.1% 15.9% 4.0% 766.1 - · C.Card & Personal 13.8 15.0 15.3% 9.2% 2.8% 44.9% 45.3% 44.3% 44.8% - Employee 3.3 3.3 1.0% 0.7% 2.3% Sharia Financing 7.6 7.9 6.2% 3.8% -0.2% 16.7% 16.5% 16.0% 15.8% 13.2% 13.1% 13.8% 13.7% Total O/S Loans 711.3 766.1 12.3% 7.7% 4.1% 24.3% 24.2% 25.0% 24.8% Total Facilities 1,034.2 1,143.0 15.4% 10.5% 3.8% Sep-22 Dec-22 Jun-23 Sep-23 Note: The remaining contribution came from Sharia financing Analyst Meeting 9M-23 PT Bank Central Asia Tbk 13

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