Stellar CASA growth yielding solid liquidity position Always by your side

(Rp billion) Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 ∆YoY ∆YtD ∆QoQ

Total Assets 893,594 918,989 972,930 975,076 1,003,638 12.3% 9.2% 2.9%

Secondary Reserves 132,081 118,684 128,435 159,638 200,535 51.8% 69.0% 25.6%

Govt Bonds & Mkt Sec. (>1yr) 75,849 85,310 129,936 148,131 153,258 102.1% 79.6% 3.5%

Loans 585,491 603,743 612,164 595,136 581,851 -0.6% -3.6% -2.2%

Third Party Funds 683,053 704,791 741,023 761,604 780,678 14.3% 10.8% 2.5%

CASA 513,884 532,013 568,526 575,974 596,558 16.1% 12.1% 3.6%

Current Accounts 179,735 185,722 202,204 195,020 205,424 14.3% 10.6% 5.3%

Savings Accounts 334,149 346,291 366,322 380,954 391,134 17.1% 12.9% 2.7%

Time Deposits 169,169 172,778 172,497 185,630 184,120 8.8% 6.6% -0.8%

Equity 167,885 174,043 171,611 169,170 179,029 6.6% 2.9% 5.8%

Analyst Meeting 9M-20 PT Bank Central Asia Tbk 1

PPOP growth buffers loan provisioning
Always by your side

(Rp billion) 9M19 9M20 ∆YoY 1Q20 2Q20 3Q20 ∆QoQ

Operating Income 52,080 55,894 7.3% 19,479 18,099 18,317 1.2%

Net Interest Income 37,431 40,803 9.0% 13,682 13,566 13,554 -0.1%

Non Interest Income 14,649 15,091 3.0% 5,797 4,533 4,763 5.1%

Fees and Commissions 10,013 9,607 -4.1% 3,462 3,146 3,000 -4.6%

Trading Income 2,201 3,234 47.0% 1,482 712 1,040 46.1%

Others 2,435 2,250 -7.6% 852 675 723 7.1%

Operating Expenses (22,303) (22,087) -1.0% (9,461) (6,727) (5,899) -12.3%

Personnel Expenses (10,516) (10,925) 3.9% (5,678) (2,834) (2,413) -14.9%

General & Administrative Expenses (11,787) (11,162) -5.3% (3,783) (3,984) (3,485) -10.5%

PPOP (Pre-Provision Operating Profit) 29,776 33,807 13.5% 10,017 11,372 12,418 9.2%

Non Op. Income (Expense) - Net 61 18 -70.2% 77 48 (106) n.a

Provision (3,503) (9,129) 160.6% (2,166) (4,357) (2,606) -40.2%

Net Profit 20,921 20,035 -4.2% 6,581 5,659 7,795 37.8%

Analyst Meeting 9M-20 PT Bank Central Asia Tbk 2

Key Ratios
Always by your side

Bank Only 9M19 9M20 ∆YoY 1Q20 2Q20 3Q20 ∆QoQ

NIM 6.2% 5.8% -0.4% 6.1% 5.8% 5.6% -0.2%

COC 0.8% 1.8% 1.0% 1.1% 2.5% 1.8% -0.7%
Risk Adjusted NIM 5.4% 4.0% -1.4% 5.0% 3.3% 3.8% -0.5%
CIR 43.8% 39.8% -4.0% 51.8% 35.9% 32.1% -3.8%
ROA 4.0% 3.4% -0.6% 3.2% 3.1% 3.9% 0.8%
ROE 18.0% 16.9% -1.1% 15.6% 15.7% 19.3% 3.6%
CAR 23.8% 24.7% 0.9% 22.5% 22.9% 24.7% 1.8%
LDR 80.6% 69.6% -11.0% 77.6% 73.3% 69.6% -3.7%
RIM 81.7% 71.0% -10.7% 78.7% 74.4% 71.0% -3.4%
NSFR 155.1% 161.3% 6.2% 160.8% 156.2% 161.3% 5.1%
LCR 273.9% 358.1% 84.2% 290.2% 309.1% 358.1% 49.0%
NPL - gross 1.6% 1.9% 0.3% 1.6% 2.1% 1.9% -0.2%
NPL Coverage 163.8% 243.5% 79.7% 229.8% 204.5% 243.5% 39.0%
LAR ex. Restr. Covid 4.3% 4.6% 0.3% 4.7% 5.3% 4.6% -0.7%
LAR with Restr. Covid 4.3% 18.5% 14.2% 4.7% 15.5% 18.5% 3.0%
LAR Coverage with Restr. Covid & off B/S 61.3% 28.4% -32.9% 89.3% 31.1% 28.4% -2.7%

• LAR: Loan at Risk

• LAR coverage with off B/S started in 2020

Analyst Meeting 9M-20 PT Bank Central Asia Tbk 3