PT Bank Central Asia Tbk

(1)

1H22 Results

27 July 2022

(2)

• Macroeconomy & banking industry highlights

• 1H22 performance overview

• Sustainability finance and ESG

• Share data, ratings & awards

Agenda

(3)

Economic highlights

Source: Bank Indonesia

• Global conditions are becoming challenging, with tighter liquidity, normalizing commodity prices, and slower global growth prospect.

• Domestic growth demonstrated resilience, with strong export and robust consumer demand continuing post-Covid momentum.

• Bank Indonesia maintained its 7DRR at 3.50% in July 2022.

• Inflation is rising, but its impact on consumers are softened by energy subsidies, which is supported by rising revenue from commodities.

Inflation and BI Rates (%)

3.45

2.79 3.83

4.37

3.72 3.41

3.20 3.23

2.48 3.49

2.68 2.96

1.96

1.32

1.68 1.68 1.33 1.60

2.18 2.64

3.47 4.35

4.75 4.75

4.25 5.25

5.75 6.00

5.50 5.00

4.50

4.00 3.75

3.50 3.50 3.50

1%

2%

3%

4%

5%

6%

7%

Jun-16 Mar-17 Dec-17 Sep-18 Jun-19 Mar-20 Dec-20 Sep-21 Jun-22

BI 7-day (Reverse) Repo Rate

Inflation

Source: Bloomberg

Rupiah/USD

13,830

13,057 13,661

13,265

12,955 13,565

13,256 13,156

13,609 13,289 14,209

13,853 14,938 15,235

13,920 14,525

13,583 16,575

13,878 14,890

13,895 14,565 14,493

14,076 14,733

14,988

12,000 13,000 14,000 15,000 16,000 17,000

Jan-16 Aug-16 Mar-17 Nov-17 Aug-18 Jun-19 Mar-20 Dec-20 Oct-21 Jul-22

2021 1Q22

Real GDP 3.69% 5.01%

CPI 1.87% 4.35% - Jun22

BI 7-D Rate 3.50% 3.50% - Jul22

USD/IDR 14,263 14,997 – Jun22

CA (% of GDP) 0.3% 0.1%

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Banking sector saw growth momentum

• Loans increased 6.7% YoY, as working capital credit recovered.

Economic cycle is back to normal, as shown on high spending during the recent Ramadan festive season.

• Policy rate have bottomed, yet intense lending competition continues as liquidity remained flushed. LDR settled at 78.7%, deposits grew 10.0% YoY.

• Transaction activities recorded a sturdy rebound from pre- pandemic level (BCA Consumer Spending Index +66%, BCA Business Txn Index +35%).

• Restructured loans from Covid-19 declined to IDR 596.3 tn in Jun22 (vs. May22 at IDR 606.4 tn). NPL ratio was 3.0%. CAR stood at 24.9%.

• Banking sector saw rebound in profitability, leveraging on loan demand recovery and lower cost of credit.

(Rp trillion) Mar-21 Dec-21 Mar-22 ∆YoY

Total Assets 9,276 10,112 10,131 9.2%

Total Loans 5,496 5,769 5,863 6.7%

Third Party Funds 6,805 7,479 7,482 10.0%

CASA 3,982 4,576 4,623 16.1%

Current Accounts 1,850 2,144 2,188 18.3%

Savings Accounts 2,132 2,432 2,434 14.2%

Time Deposits 2,822 2,904 2,859 1.3%

Net Profit 33.0 140.2 45.4 37.4%

NIM 4.6% 4.6% 4.6% 0bp

LDR 80.9% 77.5% 78.7% -220bp

NPL 3.2% 3.0% 3.0% -20bp

CAR 24.0% 25.7% 24.9% 90bp

Banking Sector Financial Summary (%)

Source: OJK

(5)

• Macroeconomy & banking industry highlights

• 1H22 performance overview

• Sustainability finance and ESG

• Share data, ratings & awards

Agenda

(6)

(Rp billion) Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 YoY YtD QoQ

Total Assets 1,129,497 1,169,296 1,228,345 1,259,435 1,264,468 11.9% 2.9% 0.4%

Secondary Reserves &

Marketable Securities 442,839 456,294 476,970 507,120 461,767 4.3% -3.2% -8.9%

Loans (Consol) 593,585 605,874 636,987 637,131 675,362 13.8% 6.0% 6.0%

Third Party Funds 895,238 923,736 975,949 997,761 1,011,043 12.9% 3.6% 1.3%

CASA 697,075 721,799 767,012 798,159 817,812 17.3% 6.6% 2.5%

Current Accounts 248,237 263,375 285,640 301,097 304,808 22.8% 6.7% 1.2%

Savings Accounts 448,838 458,424 481,373 497,061 513,003 14.3% 6.6% 3.2%

Time Deposits 198,163 201,936 208,937 199,602 193,231 -2.5% -7.5% -3.2%

Equity 187,370 197,815 202,713 194,689 202,987 8.3% 0.1% 4.3%

Improved asset mix, solid CASA performance

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Top line progressing, robust NPAT

(Rp billion) 1H-21 1H-22 YoY 4Q-21 1Q-22 2Q-22 QoQ

Operating Income 38,488 40,896 6.3% 20,291 20,402 20,494 0.4%

Net Interest Income 28,278 29,773 5.3% 14,315 14,483 15,291 5.6%

Non Interest Income 10,210 11,123 8.9% 5,976 5,920 5,203 -12.1%

Fees and Commissions 7,106 8,171 15.0% 3,992 3,977 4,194 5.4%

Trading Income 1,006 450 -55.3% 706 614 (164) -126.7%

Others 2,098 2,502 19.3% 1,278 1,328 1,174 -11.6%

Operating Expenses 14,224 15,054 5.8% 8,250 7,722 7,331 -5.1%

Manpower 6,978 7,196 3.1% 3,461 3,907 3,290 -15.8%

General & Administrative 7,246 7,857 8.4% 4,789 3,816 4,042 5.9%

PPOP (Pre-Provision Operating Profit) 24,264 25,843 6.5% 12,041 12,680 13,163 3.8%

Provision (6,546) (3,727) -43.1% (1,675) (2,818) (909) -67.7%

Net Profit 14,456 18,049 24.9% 8,224 8,064 9,985 23.8%

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Key Ratios

Bank Only 1H-21 1H-22 ∆YoY 4Q-21 1Q-22 2Q-22 ∆QoQ

NIM 5.3% 5.0% -0.3% 4.9% 4.9% 5.0% 0.1%

COC 2.2% 1.2% -1.0% 1.1% 1.9% 0.6% -1.3%

Risk Adjusted NIM 3.1% 3.8% 0.7% 3.8% 3.0% 4.4% 1.4%

CIR 34.4% 34.3% -0.1% 39.4% 35.8% 32.9% -2.9%

ROA 3.1% 3.5% 0.4% 3.2% 3.1% 3.9% 0.8%

ROE 16.6% 19.6% 3.0% 16.9% 16.8% 22.4% 5.6%

CAR 25.3% 24.7% -0.6% 25.7% 23.9% 24.7% 0.8%

LFR* 62.4% 63.5% 1.1% 62.0% 60.5% 63.5% 3.0%

RIM 64.0% 65.4% 1.4% 63.9% 62.6% 65.4% 2.8%

NSFR 178.5% 174.1% -4.4% 178.7% 176.9% 174.1% -2.8%

LCR 388.1% 401.4% 13.3% 405.1% 410.0% 401.4% -8.6%

NPL - gross 2.4% 2.2% -0.2% 2.2% 2.3% 2.2% -0.1%

NPL Coverage 230.6% 246.4% 15.8% 240.0% 244.8% 246.4% 1.6%

LAR 19.1% 12.3% -6.8% 14.6% 13.8% 12.3% -1.5%

LAR Coverage incl. off B/S 32.0% 47.9% 15.9% 39.0% 44.7% 47.9% 3.2%

*) BCA’s LFR number is the same as LDR

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43.9% 44.5% 45.0% 45.0% 45.9%

30.0% 29.8% 30.0% 29.6% 29.3%

25.1% 24.7% 24.1% 24.3% 23.8%

Jun-21 Sep-21 Dec-21 Mar-22 Jun-22

Corporate Commercial & SME Consumer

593,585 605,874 636,987 637,131 675,362

289 283

326 177 186

209 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22

Expansion in all segments as utilization heading up

Dec-21 Jun-22 YoY YtD QoQ

Corporate 286,490 310,232 19.1% 8.3% 8.1%

Commercial & SME 190,882 197,549 10.9% 3.5% 4.6%

Consumer 153,367 160,508 7.6% 4.7% 3.7%

- Mortgage 97,530 101,611 8.5% 4.2% 3.5%

- Vehicles 40,602 43,155 4.8% 6.3% 3.8%

- C.Cards & Others 15,235 15,742 9.6% 3.3% 4.9%

Sharia Financing 6,248 7,073 19.6% 13.2% 6.4%

Total O/S Loans 636,987 675,362 13.8% 6.0% 6.0%

Total Facilities 911,088 951,237 11.4% 4.4% 4.3%

Corp. Bonds 26,174 27,790 16.0% 6.2% -4.5%

Loans + Corp. Bonds 663,161 703,152 13.9% 6.0% 5.5%

Loan Breakdown (Rp bn) - Consolidated

Loan Composition (Rp bn) - Consolidated Business Loans (Rp tn) - Consolidated

W. Capital

(+15.3% YoY / +6.7% YtD / +8.3% QoQ)

Investment

(+12.6% YoY / +3.2% YtD / +4.3% QoQ)

(10)

Consumer loans new booking rose 16% YoY for the first half

Mortgage New Booking & Run Off - Quarterly (Rp tn) Vehicle New Booking & Run Off – Quarterly (Rp tn)

Note: Bank Only runoff and new booking, Consolidated YoY growth Note: Bank Only runoff and new booking, Consolidated YoY growth

10.4 7.9 9.1

7.2

10.2 6.2 6.4 6.6 6.5 6.8

2.9% 6.5% 8.2% 9.8% 8.5%

2Q-21 3Q-21 4Q-21 1Q-22 2Q-22

New Booking Run Off YoY O/S Growth

6.4 4.7 5.8 5.9

7.2 5.9 5.3 5.6 5.5 5.7

-13.9% -7.3% -1.4% 3.6% 4.8%

2Q-21 3Q-21 4Q-21 1Q-22 2Q-22

New Booking Run Off YoY O/S Growth

Staging Mortgage Fix Rate Mortgage Refinancing

Expoversary - Medan

Holiday Promotions Fridays Promotions

(11)

Diversified portfolio, resilient asset quality

Note: Consolidated numbers based on LBU reporting category

Composition of BCA Business Loans by Sector (%)

BCA Business NPL by Sector (%)

23.8%

22.1%

12.4%

7.0% 5.6%

4.0% 2.1% 1.6% 0.6%

16.6% 19.1%

8.7%

5.1% 7.6% 6.4%

2.7% 3.0% 2.8%

Manufacturing Trading Business Service Transportation Agriculture Construction Electricity,

Gas & Water

Social & Public Services

Mining BCA

(Jun-22)

Industry (Mar-22)

4.5%

2.6%

0.8% 0.2% 0.4% 0.7%

0.1% 0.5% 0.6%

4.9% 4.4%

2.2% 2.0% 1.8%

3.8%

0.9% 1.6%

4.2%

Manufacturing Trading Business Service Transportation Agriculture Construction Electricity,

Gas & Water

Social & Public Services

Mining BCA

(Jun-22)

Industry

(Mar-22)

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LAR continue to improve at 12.3%

Rp trillion Dec-21 Jun-22 ∆YoY ∆YtD ∆QoQ

Current 594.7 629.2 14.4% 5.8% 6.1%

Special Mention 12.5 13.1 -18.8% 5.2% 5.1%

NPL 13.4 14.5 4.7% 8.1% 1.6%

Total Loans 620.6 656.9 13.3% 5.8% 6.0%

Current 64.9 53.4 -33.7% -17.7% -8.9%

Special Mention 8.7 8.1 -20.9% -6.4% -3.8%

NPL 8.9 10.5 51.9% 18.5% 2.1%

Total Restruct. Loans 82.5 72.1 -26.3% -12.6% -6.9%

Total LAR 90.8 81.1 -26.7% -10.8% -5.1%

% LAR / Loans 14.6% 12.3% -6.7% -2.3% -1.4%

Total Loans by Collectability (bank only):

Restructured Loans (bank only):

Loan Quality & Restructured Loans (Rp tn) - Bank Only Restru. Loans - Coll.1, LAR Coverage - Bank Only

LAR Cov. ^

8.1% of total loans

 13.9% of

total loans 

Consumer SME

Commercial

Corporate 40.7%

34.9% 33.2% 33.3% 35.0%

26.8%

29.9%

30.6%

30.5% 29.1%

9.9%

11.0%

10.6%

10.3%

22.7%

24.1%

25.2%

25.6%

32.0% 35.1%

39.0%

44.7% 47.9%

Jun-21 Sep-21 Dec-21 Mar-22 Jun-22

80.5

70.9

64.9

58.6

53.4

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Well-provisioned credit

48.1% 49.6% 59.2% 55.9% 48.3%

31.7% 29.9% 23.0% 26.7% 32.8%

19.9% 19.9% 17.3% 16.8% 18.3%

2.4% 2.4% 2.2% 2.3% 2.2%

Jun-21 Sep-21 Dec-21 Mar-22 Jun-22

Corporate Commercial & SME Consumer NPL Ratio

14.1 14.3 13.7 14.6 14.8

27.8% 31.1% 24.3% 24.6% 24.5%

36.1% 33.0% 37.0% 36.0% 37.5%

34.9% 34.6% 37.1% 38.2% 36.9%

2.8% 2.8%

2.0% 2.0% 2.0%

Jun-21 Sep-21 Dec-21 Mar-22 Jun-22

Corporate Commercial & SME Consumer SML Ratio

17.0 17.1 13.3 13.2 13.8

Special Mention Composition (% of Total SML, Rp tn) Consolidated NPL Composition (% of Total NPL, Rp tn) Consolidated

Note: The remaining contribution came from Sharia financing Note: The remaining contribution came from Sharia financing

Loan Staging (Rp tn) – Consol excl. sharia & consumer receivables

619.0 22.4 17.5

2.0%

53.3% 65.7%

Stage 1 Stage 2 Stage 3

% to Total

93.9% 3.4% 2.7%



Coverage ratio

(ECL on balance sheet)



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50.2% 49.6% 49.3% 49.8% 50.7%

27.7% 28.5% 29.3% 30.2% 30.1%

22.1% 21.9%

21.4% 20.0% 19.1%

895,238 923,736

975,949 997,761 1,011,043

Jun-21 Sep-21 Dec-21 Mar-22 Jun-22

Savings Current Accounts Time Deposits

CASA ratio 80.9%, CASA CAGR of 12% over a decade

Third Party Fund Composition (Rp bn) - Consolidated

CASA Ratio:

80.9%

Jun-21 Dec-21 Jun-22 ∆YoY ∆YtD

CASA 697,075 767,012 817,812 17.3% 6.6%

Current Accounts 248,237 285,639 304,808 22.8% 6.7%

Savings Accounts 448,838 481,373 513,003 14.3% 6.6%

Time Deposits 198,163 208,937 193,231 -2.5% -7.5%

Third Party Funds 895,238 975,949 1,011,043 12.9% 3.6%

CASA Ratio 77.9% 78.6% 80.9% 3.0% 2.3%

Third Party Funds (Rp bn) - Consolidated

Savings Account Debit BCA

Biometric - myBCA BI Fast myBCA, klikBCA BI Fast - BCA mobile

Halo BCA

Top up voucher

(15)

Digital transactions undisputed growth

API trx vol.

6.8x

in 2 years

36 25 27 24

614

760 1,008 1,181

890 1,415

2,353

3,607

518 414 488 533

2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22

Transaction Volume - Quarterly (million) ^YoY

53%

17%

9%

-11%

No.of Customers

37%

in 2 years

1H21 1H22 ∆YoY 1Q22 2Q22 ∆QoQ

Mobile Banking 1,783 2,554 43.3% 1,233 1,321 7.1%

Internet Banking 7,001 8,422 20.3% 4,071 4,351 6.9%

ATM 1,041 1,124 8.0% 544 580 6.7%

Branch Banking 6,323 6,821 7.9% 3,324 3,497 5.2%

Transaction Value - (Rp tn)

2.5x

in 2 years

No.of transactions mobile banking

33%

in 2 years

No. of mobile banking users

7.8x

YoY

QRIS

Trx value

(16)

Digital channels significant contributions

Rising the bar for mobile & internet channels

8.3% 7.2% 6.5% 6.0%

48.7%

43.1%

39.0%

35.9%

43.0%

49.7%

54.6%

58.2%

2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 25.2%

15.9% 12.6% 10.0%

1.7% 1.0% 0.7% 0.4%

73.1%

83.2%

86.7% 89.6%

2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22

Trx. Volume Composition

ATM Mobile & Internet

Branch

Trx. Value Composition

Branch

ATM Mobile & Internet

Transactions volume rose 57%

YoY ^{in 1H22,}

dominated by fintech players.

BI-Fast

Transactions grew 12x

MoM in June22

Oneklik

Transaction volume rose

3.3x in 2 years, transaction value

2.5x

Wealth Mgt

Total AUM rose

2.7x since 2019

Virtual account

(17)

Profitability trend

5.3% 5.2% 5.1% 4.9% 5.0%

3.1% 3.5% 3.5%

3.0%

3.8%

1H-21 9M-21 FY-21 1Q-22 1H-22

NIM Risk Adjusted NIM

2.2%

1.7% 1.6% 1.9%

1.2%

34.4% 33.3% 34.9% 35.8%

34.3%

1H-21 9M-21 FY-21 1Q-22 1H-22

CoC CIR

4.5%

4.3%4.1%

4.0%

3.5% 3.3%

3.0% 2.9%

2.7%2.5%

2.4%

2.0%1.9% 1.9% 1.9%

5.0%

4.8%

4.5%

4.3%

3.9%

3.4%

3.8%

3.5%

3.3%

3.0% 3.0% 3.0% 3.0% 3.0%3.3%

1.5%

2.0%

2.5%

3.0%

3.5%

4.0%

4.5%

5.0%

5.5%

Dec-19 Mar-20 Jun-20 Sep-20 Jan-21 Apr-21 Jul-21 Oct-21 Dec-21 Apr-22 Jul-22

Quarterly Operating Income (Rp bn) - Consolidated

NIM & Risk Adj. NIM - Bank Only Interest Rate ^*

 1M SBI / BI Time Deposits

BCA 1M IDR Time Deposits 

* Maximum interest rate offered

Cost to Income & Cost of Credit - Bank Only

27.1% 27.4% 29.5% 29.0% 25.4%

72.9% 72.6% 70.5% 71.0% 74.6%

19,402 19,118 20,291 20,402 20,494

2Q-21 3Q-21 4Q-21 1Q-22 2Q-22

Net Interest Income Non Interest Income

(18)

• Macroeconomy & banking industry highlights

• 1H22 performance overview

• Sustainability finance and ESG

• Share data, ratings & awards

Agenda

(19)

ESG Journey

Recap of Milestones 2022 Priorities

• Alignment of ESG framework with UN SDGs, focusing on 9 SDGs:

• Promoting Sustainable Financing, delivered a 3-Year CAGR of 12.6%

• Accelerate environmentally-friendly operation, contributing to 887.8 ton CO2 reduction in 2021

• Reduce pollution and minimize waste disposal to landfill with recycling initiatives

(± 13 tons waste)

• 71 buildings adopt environmentally-friendly building features

• 23,056 (100%) employees have completed sustainable-finance training

Setting up responsible lending policies

Committed to contribute to the Indonesia’s vision toward a low carbon development

Committed to green banking operations, focusing on: i) expanding digital banking solutions; ii) pursuing digital-oriented work culture; iii) green building and waste management

Enriching GHG emission data

Social & Community development programs focusing on: health;

education; community-empowerment; environmental & cultural conservation

BCA rolls out Covid-19 vaccinations (since 2021), on top of the existing health program

Continue improving the quality of GCG implementation Strengthening IT security and governance

--- Education*

--- Environment, Health, Culture

Preservation & Donation*

--- Community Empowerment*

--- Financial Inclusion &

Literacy * --- ---

Fair Operating Practices * ---

Human Rights & Labor Practices * ---

The Environment * ---

| 7 | 8 | 9 | 13 | 16 | | 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | ---

Responsible Financing ---

Service Quality &

Consumer Trust * ---

Technology & Digitalization ---

Customer Data Privacy &

Security Protection * ---

Fraud & Financial Crime Prevention ---

SUPPORT ON SDGsSCOPEPILLAR

| 3 | 4 | 5 | 8 | 9 | 10 | 13 | SUSTAINABLE FINANCE VISION, MISSION, VALUES

Responsible Banking

Sustainability Culture

Social Value Creation

*) Reflecting the core subjects of corporate social responsibility

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ESG Financing Highlights

Sustainable Finance Portfolio

Rp. 169.5 ^Tn

Total SF Portfolio

24.9%

of Total Portfolio *

+21.8 % ^YoY + 7.1 % ^YTD

44.4%

of Total SF

+24.7 ^%

YoY

Rp 75.3 ^Tn

Non Micro & SME

55.6%

of Total SF

+19.6%

YoY

Rp 94.2 ^Tn

Micro & SME

--- Education*

--- Environment, Health, Culture Preservation & Donation*

Literacy * --- ---

| 7 | 8 | 9 | 13 | 16 | | 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | ---

* Loan + Corporate Bonds (Bank only)

Natural resources &

sustainable land use

Eco-friendly transportation

Eco- efficient

product

Renewable energy

sustainable water &

waste water management

Energy efficiency

Environmentally friendly building

Sustainable Financing O/S

% to Total Loan

Out of 121,502 total Micro & SME debtors :

33,566 (28%) Women debtors (%)

12 %

Total O/S Micro & SME Sustainable financing 5-Year growth

124.9 127.6

158.3 161.6 169.5

21.3% 22.2%

24.6% 24.9% 24.9%

Rp trillion

Q2-22

# Company 52

ISPO 37

RSPO 28

Outstanding

Rp 38.2

trillion

73.6%

% of total palm oil financing Renewable Energy Financing

Certified Palm Oil Financing

Total capacity

~200 MW

Women MSME

or

(21)

Environment Highlights

--- Education*

Literacy * --- ---

| 7 | 8 | 9 | 13 | 16 | | 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | ---

12,150 trees planted in 11 areas across Indonesia

Plant Trees for Better Tomorrow

Saved approx.

93 Trees Freed approx.

27 m ³ of landfill space

Saved approx.

25,680

kWh of energy

Prevented approx.

11,333

kgs of CO ₂ pollution

Waste Management

Total Recyclable Waste (Kilograms)

6,317

Launching of EV charging station at BCA Foresta building

EV Charging

Rp 472 billion to finance eco- efficient products in Q2-2022 in

supporting circular economy Green Financing

Digital Workplace

80.2% or 13.1 tCO ₂ Processing Non-Organic Waste

Recent ESG financing disbursement

carbon emission saving from

digital workplace using cloud

platform

(22)

70

--- Education*

Literacy * --- ---

| 7 | 8 | 9 | 13 | 16 | | 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | ---

Supporting Public Health

> 7,300 patients

Received free- medical treatments at Bakti BCA assisted-

clinics

530 Vaccination centers

during 2022 - 7x higher than in 2021

> 380,000

Total vaccine doses

(2021-2022)

429 patients

Underwent free- cataract surgery

Community Empowerment

10 Assisted village partnerships with Ministry of Tourism &

Creative Works

Community training support provided by Bakti BCA

Quality Education

Local MSMEs in Belitung

Waste management training for communities in BCA assisted villages

12 20

BCA assisted villages

‘Desa Wisata Award’ finalist

Social Value Initiatives

Actively provide high quality education through Bakti BCA scholarship, financial

literacy, and non-degree banking educational program

Bakti BCA Scholarship Non-employee Employee

790 33

840 44

Financial Literacy Student Public

15,997 11,061

8,241 4,287 Banking Educational Program

Public ⁵⁸³ ⁵⁷⁹

Programs and Beneficiaries 2021 1H22

BCA Scholarship

(23)

MSCI Indonesia Index

Top 10 Constituents FTSE4Good ASEAN 5 Index Top 10 Constituents

Last update: Jun 2022 Last update: Jul 2022

Down Jones Sustainability Index S&P Global CSA

Score 55

Rank percentile 76 ^th

BCA constituents of:

• IDX ESG Leaders Index

• SRI – KEHATI Index

• ESG Quality 45 IDX – KEHATI

• ESG Sector Leaders IDX – KEHATI

Last update: Jun 2022

Last update: Nov 2021 - Annually

FIHRRST

Best Sustainability Report

Rating A+

Thomson Reuters - Refinitiv ESG Scores

Last update: Nov 2021 - Annually

Rating A

Last update: Nov 2021 - Annually

--- Education*

Literacy * --- ---

| 7 | 8 | 9 | 13 | 16 | | 3 | 4 | 5 | 7 | 8 | 9 | 10 | 13 | 16 | ---

Bank with strongest image of

“Green Banking” in Indonesia Katadata Insight Center

“The Best Overall Big Caps”

The 13th IICD Corporate Governance Award 2022

ESG Rating & Awards

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• Macroeconomy & banking industry highlights

• 1H22 performance overview

• Sustainability finance and ESG

• Share data, ratings & awards

Agenda

(25)

BCA share performance & rating

Number of Shares

Ownership Percentage PT Dwimuria Investama Andalan ^* 67,729,950,000 54.94%

Public ^** 55,545,100,000 45.06%

Total 123,275,050,000 100.00%

Note:

*

Shareholders of PT Dwimuria Investama Andalan are Mr. Robert Budi Hartono and Mr. Bambang Hartono, therefore the ultimate shareholders of BCA are Mr. Robert Budi Hartono and Mr. Bambang Hartono.

**

Under this composition, 2.49% of shares belong to parties affiliated with PT Dwimuria Investama Andalan.

BCA Shareholding Structure (30 June 2022)

Description Rating

Outlook Stable

Local long-term rating AA+ (idn) Issuer default – long-term rating BBB- Issuer default – short-term rating F3

Support rating 3

Fitch Ratings

As of 30 June 2022

Description Rating Issuer idAAA/Stable Local IDR

Sub-debt idAA

Pefindo Ratings

As of 30 June 2022

Performance BBCA vs IDX Finance Index

(Relative price up to 25 Jul 2022 against 1 Jan 2018)

Market Cap BCA: Rp 903 tn (25 Jul 22)

“The Largest in Indonesia”

YoY BCA Share Price: 20.7 %

(Jun-22 YoY)

YoY IDX Finance Share Price: 10.0%

(Jun-22 YoY) 57.0%

1.1%

50.7%

23.7%

67.7%

51.1%

76.9%

87.2%

67.2%

20.4%

-25.8% -22.8%

-6,3%

33.2%

11.7%

24.7%

36.6% 43.4%

28.3%

-30%

-20%

-10%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

Jan-18 Jul-18 Feb-19 Aug-19 Mar-20 Oct-20 May-21 Nov-21 Jul-22 BCA Share Price

IDX Finance Index

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Awards and recognitions – 2022

FinanceAsia Country Awards 2022

Best Domestic Bank in Indonesia

Forbes World's Best Bank 2022

Best Bank in Indonesia (1

^st

rank)

Indonesia Most Acclaimed Companies Awards 2022

Most Acclaimed Company with Outstanding Business Ecosystem Through Banking Digitalization

Investor Award : Best Bank 2022 Best Bank 2022, KBMI 4 Category Indonesia Property

& Bank Award 2022 Best Bank for Service Level Agreement of Mortgage Product

Brand Finance Banking 500 2021 1

^st

Place on Top 10 Strongest Banking Brands (AAA+ rating)

Indonesia Millennials' Brand Choice Awards 2022

• Most Popular Millennial Brand, for categories: BCA Mobile & Flazz Card

PR Indonesia Awards 2022

• Best Annual Report

• Best Video Company Profile

• Terpopuler di Media Cetak Digital CX Awards 2022

Outstanding Digital CX SME Loan

The 13th IICD CG Award

Largest market capitalization with the best GCG practices

(Big Cap PLCs) Indonesia Millenial Women Brand

Choice Awards 2022

• Top 5 Millennial Women Favorite Brand 2022 for categories:

 Mobile Banking (BCA Mobile)

 Private Bank (Bank BCA)

 Electronic Money (Flazz BCA)

Gallup Customer Engagement Survey Customer Excellence Recognition

Best Bank Best Brand Digital

Public Relations

Customer Service

Indonesia CSR & TJSL Awards 2022 CSR Award in Bank Sector Industry 2022

CSR Bisnis Indonesia Social Responsibility Award (BISRA) 2022

Gold Champion for Public Non-SOE Company

Top CSR Awards 2022

• TOP CSR Golden Trophy 2022

• TOP CSR Awards 2022 #Star5

CSR

GCG

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This Presentation has been prepared by PT Bank Central Asia Tbk (“BCA”) for information purposes only. This Presentation including any information, estimation and/or projections contained herein or provided by BCA in any other written or verbal communication (the “Information”) does not constitute a commitment or recommendation or advice by BCA. This Presentation does not purport to contain all of the Information that may be required or desirable to evaluate all of the factors that might be relevant to a recipient considering investing in BCA and any recipient hereof should conduct its own investigation and analysis in order to make an independent determination of the suitability and consequences of entering into or participating in any investment or transaction related to BCA. Under no circumstances is this Information to be used or considered as an offer to sell, or a solicitation of an offer to buy, a participating interest or any security or a recommendation that a recipient hereof should enter into or participate in any transaction related to BCA, buy or sell any participating interest or security, or otherwise make any investment decision.

BCA reserves the right to amend, update or replace all or any part of the Information at any time but shall not be under any obligation to provide any recipient of this Presentation with any notice of such amended, updated or replacement information or to correct any inaccuracies herein which may become apparent. By accepting, receiving and/or viewing this Information Presentation, the recipient hereby acknowledges and agrees that neither BCA nor any of its subsidiaries, its affiliates, employees, directors, commissioners, representatives or advisors make any guarantee, representation, warranty or undertaking, express or implied, as to the fairness, accuracy, reliability, correctness, reasonableness or completeness of the Information. Therefore, neither BCA nor its subsidiaries, affiliates, employees, directors, commissioners, representatives or advisors shall have any liability arising from or in connection with any Information provided by BCA (whether written or verbal communication. No reliance should be placed on such Information.

BCA, its subsidiaries, affiliates, employees, directors, commissioners, representatives or advisors will not be liable for any losses and/or damages in connection with the use of this report and/or any action taken in reliance upon the whole or any part of the content of this Presentation. Nothing in this Presentation should be construed as legal, tax, financial, business or investment advice. By attending the meeting where the Presentation is made, or by accepting and viewing/reading this Presentation, you acknowledge and agree to the above disclaimer and/or limitations in this Presentation.

DISCLAIMER

(28)

Thank You