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Business development after 2000

Corporate actions highlights in 2000-2005

2008-2009

BCA proactively manages its lending and liquidity position in the face of unprecedented global turbulence while continuing to strengthen the core transaction banking franchise.

BCA completes the setting up of a mirroring IT system to strengthen business continuity and reduce operational risk.

BCA introduces Solitaire, a new banking service for high net-worth individual customers.

Corporate actions

highlights in 2000-2005

1997-1998

1999 2000 2001

BCA experiences a bank rush during the Indonesian economic crisis.

In 1998 BCA became a Bank Taken Over (BTO) and was placed under the recapitalization and restructuring program operated by the Indonesian Bank Restructuring Agency (IBRA), a Government Institution.

BCA was fully recapitalized with the Government of Indonesia, through IBRA, assuming ownership of 92.8% of BCA shares in exchange for liquidity support from Bank Indonesia and a swap of related-party loans for Government Bonds.

IBRA divested 22.5% of its BCA shares through an Initial Public Offering, reducing its ownership of BCA to 70.3%.

In a Secondary Public Offering, 10% of BCA’s total shares were made available to the market.

IBRA’s ownership of BCA decreased to 60.3%.

2010-2013

BCA entered new lines of business including + >%# >

general insurance and the capital markets business. In 2013, BCA increased its effective ownership from 25% to 100% in its general insurance arm PT Asuransi Umum BCA (formerly PT Central Sejahtera Insurance and also known as BCA Insurance).

BCA strengthened its transaction banking through further development of innovative products and services, notably with mobile banking applications in the latest Smartphones, with payment settlement services through e-Commerce, and through a new concept of Electronic Banking Center which equips ATM Centers with additional technology-backed features.

Enhancing the reliability of its banking services, BCA completes a new Disaster Recovery Center (DRC) facility in Surabaya which functions as a disaster recovery backup data center, integrated with the current two mirroring data centers. The new DRC replaced the previous DRC in Singapore.

2016

The internet banking platform was enhanced with additional features catering to the needs of business customers. In order to provide more '# $>

BCA continued to expand the ATM network, primarily with the addition of # %'!

Machines to replace conventional ATMs.

In its role as a major gateway and perception bank, BCA participated in the successful implementation of the Government’s tax amnesty program.

BCA realigned its organizational structure by establishing the Transaction Banking Directorate to strengthen integrated- platform of the Bank’s wide array of transaction products and services, and by creating Human Capital Management )'# "

human resources needs and succession planning.

2014-2015

The Electronic Banking Center concept

# name MyBCA. For added convenience, BCA also expands the Cash Recycling Machines and launches ‘Sakuku’ app- based electronic wallet.

In an effort to develop transaction banking services, the Bank’s cash management services were improved through the KlikBCA Integrated Business Solution internet banking platform.

\ >!# ] purchase of PT Central Santosa Finance

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subsidiary, increasing the Bank’s effective ownership from 25% to 70%.

BCA obtained permission to provide life insurance services through PT Asuransi

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subsidiary of BCA Sekuritas.

03 Event Highlights 2016

January

BCA Named Employer of Choice for Jobseekers

BCA achieved third place at the Indonesian :%'!€\

Seeker according to a survey conducted by the Hay Group of 1,507 participants.

April

BCA Facilitates ATM Payments for Automobile Tax

J\$+%>J\$$ +$>

J\$( J\$\|

signed an MoU with BCA to facilitate vehicle tax payments through BCA ATMs in Bandung.

February

BCA Flazz Patra Niaga Pertamina Fleet Card BCA and Pertamina Parta Niaga signed an MoU to launch a Flazz Card with Fleet Pertamina Patra Niaga Feature.

April

BCA Holds Annual General Shareholders Meeting

At the AGSM, the shareholders agreed to a

$ $'€#

of Rp 160 per share, inclusive of the interim dividend of Rp 55 per share.

February

BCA Supports Social Media Week 2016 BCA fully supports the development and the contribution of the digital world and technology in facilitating and providing added value for the quality of life of the Indonesian people.

March

2016 Singapore Airline – BCA Travel Fair BCA and Singapore Airlines hosted the BCA travel fair with a range of promotional offers for BCA customers and SQ customers.

February

BCA Launched Tahapan Berjangka

On the Bank’s 59th anniversary, BCA launched Tahapan Berjangka that allows customers to make routine monthly deposits at a set amount and tenor.

March

Flazz Card Adopted as Tol Cipali Payment Method

BCA and Lintas Marga Sedaya (LMS) collaborated to allow for Flazz card

payments to the Cikopo–Paliman (Cipali) Toll Road.

April

BCA Hosts Financial Technology Hackathon (FinHacks)

BCA in collaboration with DailySocial.

id hosted the 2016 Financial Technology Hackathon to support eWallet innovation.

@# Œ Chatbanking, Guebayar and Instapay, were selected for future development.

May - June

BCA Supports 2016 Indonesia Open BCA supported the Super Series Premier Indonesia Open badminton tournament for the third time. The 2016 BCA Indonesia Open + >\~

July

BCA Analyst & Press Conference on 1st Semester Performance

! #%

analysts and journalists.

May

BCA Hosts BCA Expo and Autoshow BCA in Collaboration with Sinar Mas Land hosted the BCA Expo and Autoshow for property and automobiles.

June

BCA Launches BCA–Matahari Credit Card The BCA–Matahari credit card provides users %' # facilities.

May

Go Pay Top-ups via BCA Virtual Account

! D/X\:… *K' provision of cash management solutions to

% $'D/X\:…~

July

2016 BCA Royale Open Tournament BCA supported the BCA Royale Open golf tournament.

June

BCA Facilitates Premium Payments for BPJS Users through BCA Payment Channels

! (\+ *K' (\+%%% ! banking services.

August

BCA Launches LENTERA Flazz Card For the 2nd anniversary of the National Cashless Movement initiated by Bank Indonesia, BCA launched the LENTERA Flazz Card, which it distributed to 1,000 users in the Riau archipelago.

August

BCA Signs Syndicated Loan for the Development of Bandara Angkasa Pura I

! # development projects under coordination of Angkasa Pura I, including Ahmad Yani airport in Semarang, Kulon Progo airport in Yogyakarta, Syamsudin Noor airport in Banjarmasin, Sultan Hasanudin airport in

* \ +>

the amount of Rp 800 billion.

Event Highlights 2016 - continued

September

BCA Signs MoU with JCB

BCA strengthened its credit card issuing *K\

>(@\!

Indonesia.

October