PT BANK CENTRAL ASIA Tbk & Subsidiaries STATEMENTS OF FINANCIAL POSITION As of September 30, 2018 and December 31, 2017 (In millions of Rupiah)

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1 No. ACCOUNTS PT BANK CENTRAL ASIA Tbk & Subsidiaries STATEMENTS OF FINANCIAL POSITION As of September 30, 2018 and December 31, 2017 CONSOLIDATED Unaudited Audited Unaudited Audited Sep 30, 2018 Dec 31, 2017 Sep 30, 2018 Dec 31, 2017 ASSETS 1. Cash 14,688,231 16,726,199 14,712,333 16,754, Placement to Bank Indonesia 70,939,136 52,214,787 71,961,822 52,884, Interbank placement 15,085,830 17,350,899 15,658,981 18,699, Spot and derivatives claims 46, ,375 46, , Securities 127,352, ,964, ,101, ,678,650 a. Measured at fair value through profit and loss 2,765,568 5,837,217 3,111,777 5,843,052 b. Available for sale 102,457, ,603, ,589, ,483,500 c. Held to maturity 13,075,818 22,986,375 14,212,004 23,732,921 d. Loan and receivables 9,054,183 6,537,374 9,188,319 6,619, Securities sold under repurchase agreement (repo) ,574 99, Claims on securities bought under reverse repo 10,032,437 8,729,981 10,078,298 9,261, Acceptance claims 11,284,859 10,316,068 11,284,859 10,316, Loans 515,563, ,619, ,816, ,508,825 a. Measured at fair value through profit and loss b. Available for sale c. Held to maturity d. Loan and receivables 515,563, ,619, ,816, ,508, Sharia financing - - 4,764,844 4,191, Equity investment 3,381,009 3,381, , , Impairment on financial assets -/- (14,291,218) (14,117,471) (14,787,559) (14,634,168) a. Securities (11,739) (421,524) (81,584) (487,880) b. Loans (13,855,823) (13,243,452) (13,856,240) (13,243,869) c. Others (423,656) (452,495) (849,735) (902,419) 13. Intangible assets 1,485,923 1,321,843 1,727,158 1,558,656 Accumulated amortization on intangible asset -/- (901,562) (613,151) (991,015) (689,518) 14. Fixed assets and equipment 25,914,350 25,331,475 26,602,349 25,949,420 Accumulated depreciation on fixed assets and equipment -/- (9,647,144) (8,868,882) (9,887,252) (9,080,471) 15. Non productive Asset 543, , , ,565 a. Abandoned property 32,369 32,538 32,369 32,538 b. Foreclosed accounts 439, , , ,130 c. Suspense accounts 22,468 17,857 22,468 17,857 d. Interbranch assets 49,239 5,040 49,239 5,040 i. Conducting operational activities in Indonesia 49,239 5,040 49,239 5,040 ii. Conducting operational activities outside Indonesia Impairment of non financial assets -/- - - (6,881) (8,527) 17. Consumer financing receivables and Net investments in finance leases - - 7,297,826 9,067, Deferred tax assets 2,919,438 2,967,032 3,179,622 3,219, Other assets 9,416,770 9,961,983 10,398,014 10,819,741 TOTAL ASSETS 783,814, ,705, ,966, ,319,671

2 No. ACCOUNTS PT BANK CENTRAL ASIA Tbk & Subsidiaries STATEMENTS OF FINANCIAL POSITION As of September 30, 2018 and December 31, 2017 CONSOLIDATED Unaudited Audited Unaudited Audited Sep 30, 2018 Dec 31, 2017 Sep 30, 2018 Dec 31, 2017 LIABILITIES AND EQUITIES LIABILITIES 1. Current account 163,140, ,287, ,074, ,249, Saving account 313,740, ,416, ,740, ,416, Time deposit 137,086, ,478, ,078, ,448, Revenue sharing investment - - 4,970,071 4,456, Liabilities to Bank Indonesia Interbank liabilities 5,231,450 5,762,982 5,228,862 5,758, Spot and derivatives liabilities 2,198,031 51,389 2,198,031 53, Liabilities on securities sold under repurchase agreement ,865 96, Acceptance liabilities 6,473,612 5,800,477 6,473,612 5,800, Issued securities 500, , , Loans received ,525,495 3,040, Margin deposit 172, , , , Interbranch liabilities a. Conducting operational activities in Indonesia b. Conducting operational activities outside Indonesia Deferred tax liabilities Other liabilities 16,912,555 14,889,686 20,054,456 17,805, Profit sharing investment TOTAL LIABILITIES 645,456, ,869, ,261, ,917,977 EQUITIES 17. Paid in capital 1,540,938 1,540,938 1,540,938 1,540,938 a. Capital 5,500,000 5,500,000 5,500,000 5,500,000 b. Unpaid capital -/- (3,959,062) (3,959,062) (3,959,062) (3,959,062) c. Treasury stock -/ Additional paid in capital 5,711,368 5,711,368 5,548,977 5,548,977 a. Agio 5,711,368 5,711,368 5,711,368 5,711,368 b. Disagio -/ c. Donated capital d. Fund for paid up capital e. Others - - (162,391) (162,391) 19. Other comprehensive gain (loss) 2,980,761 4,896,524 3,341,315 5,231,681 a. Translation adjustment , ,100 b. Unrealized gain/loss on available for sale financial assets (574,049) 1,679,740 (586,073) 1,698,693 c. Effective portion of hedging against cashflow d. Reserves of fixed asset revaluation 6,587,497 6,587,497 6,587,497 6,587,497 e. Portion of other comprehensive income from associate entities f. Gain (loss) from actuary benefit program (3,934,371) (3,934,371) (3,978,025) (3,978,686) g. Income tax related to other comprehensive income 901, , , ,692 h. Others - - 1,385 1, Reserves of quasy reorganization Reserves of restructuring under common control Other Equity Reserves 1,697,052 1,463,952 1,697,052 1,463,952 a. General reserves 1,697,052 1,463,952 1,697,052 1,463,952 b. Appropriated reserves Gain/loss 126,427, ,223, ,478, ,518,007 a. Previous years 108,675,748 91,059, ,970,281 94,208,013 b. Current Year 17,751,395 22,163,780 18,508,015 23,309,994 TOTAL EQUITIES ATTRIBUTABLE TO OWNERS OF THE PARENT 138,357, ,836, ,606, ,303, Non-controlling interest 98,603 98,139 TOTAL EQUITIES 138,357, ,836, ,705, ,401,694 TOTAL LIABILITIES AND EQUITIES 783,814, ,705, ,966, ,319,671

3 - The above consolidated financial information was derived from the consolidated financial statements of PT Bank Central Asia Tbk and Subsidiaries as of and for the nine month periods ended September 30, 2018 that have been unaudited. As the above consolidated financial information was derived from the consolidated financial statements; therefore, the consolidated financial information do not represent a complete presentation of the consolidated financial statements. The consolidated financial information has been presented to meet the requirements of Financial Services Authority Regulation No. 32/POJK.03/2016 dated August 8, 2016 concerning amendment to the requirements of Financial Services Authority Regulation No. 6/POJK.03/2015 dated March 31, 2015 concerning the Transparency and Publication of Banks Reports, Regulation No. VIII.G.7 as included in attachment to the Decree of Chairman of Capital Market and Financial Institution Supervisory Board No. Kep-347/BL/2012 dated June 25, 2012 concerning the Presentation and Disclosures of Publicly Listed Companies Financial Statements. - The main exchange rates used were as follows: Rate as of September 30, 2018 : 1 USD = Rp 14, HKD = Rp 1, Rate as of December 31, 2017 : 1 USD = Rp 13, HKD = Rp 1,736.21

4 PT BANK CENTRAL ASIA Tbk & Subsidiaries STATEMENTS OF COMPREHENSIVE INCOME For Periods Ended September 30, 2018 & 2017 (In millions of Rupiah, except earning per share) No. ACCOUNTS CONSOLIDATED Unaudited Unaudited Unaudited Unaudited Sep 30, 2018 Sep 30, 2017 Sep 30, 2018 Sep 30, 2017 OPERATIONAL INCOME AND EXPENSES A. Interest income & expenses 1. Interest income 38,778,455 37,321,034 41,678,485 40,081,834 a. Rupiah currency 36,955,779 36,141,356 39,829,593 38,881,256 b. Foreign currencies 1,822,676 1,179,678 1,848,892 1,200, Interest expenses 8,015,784 8,734,483 8,318,974 9,109,704 a. Rupiah currency 7,874,902 8,612,142 8,164,961 8,969,021 b. Foreign currencies 140, , , ,683 Net interest income (expenses) 30,762,671 28,586,551 33,359,511 30,972,130 B. Operational Income and Expenses Other than Interest 1. Operational Income Other than Interest 16,760,181 12,621,708 18,101,925 13,783,684 a. Positive mark to market on financial assets 3,735, ,464 3,735, ,464 i. Securities 13,130 10,298 13,379 10,298 ii. Loans iii. Spot and derivatives 3,722, ,572 3,722, ,572 iv. Other financial assets - 8,594-8,594 b. Negative mark to market on financial liabilities c. Gain on sale of financial assets 686, , , ,262 i. Securities 685, , , ,656 ii. Loans iii. Other financial assets 1,527 13,606 1,527 13,606 d. Gain on spot and derivatives (realised) 787, , , ,873 e. Dividend 587, ,979 11, f. Gain on investment under equity method g. Commission/provision/fee and administration 8,543,675 7,477,405 8,609,532 7,567,153 h. Recovery of impairment 1,870,947 2,657,587 2,132,371 2,855,141 i. Other income 548, ,863 2,118,379 1,845, Operational Expenses Other than Interest 25,401,664 21,163,073 28,149,561 23,648,944 a. Negative mark to market on financial assets 2,285,146 95,210 2,285,240 95,998 i. Securities 42,861 62,859 42,955 63,647 ii. Loans iii. Spot and derivatives 2,241,302 21,655 2,241,302 21,655 iv. Other financial assets , ,696 b. Positive mark to market on financial liabilities c. Loss on sale of financial assets 263,554 56, ,568 56,862 i. Securities 263,409 18, ,423 18,867 ii. Loans , ,995 iii. Other financial asset d. Loss on spot and derivatives (realised) 845,041 24, ,041 24,860 e. Impairment of financial assets 3,448,695 4,233,871 3,879,594 4,683,524 i. Securities 2, ,817 2, ,587 ii. Loans 3,319,880 3,965,729 3,319,880 3,965,729 iii. Sharia financing , ,619 iv. Other financial assets 126,519 79, , ,589 f. Losses on operational risk 5,841 11,440 6,031 11,530 g. Losses on investment under equity method h. Commission/provision/fee and administration - - 1,419 1,920 i. Impairment of other assets (non financial assets) j. Personnel expenses 8,755,132 8,173,666 9,592,504 8,973,648 k. Promotion expenses 597, , , ,414 l. Others expenses 9,201,228 8,071,268 10,539,693 9,200,281 Net Operational Income (Expenses) Other than Interest (8,641,483) (8,541,365) (10,047,636) (9,865,260) CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 22,121,188 20,045,186 23,311,875 21,106,870 Income taxes 4,369,793 3,886,477 4,801,937 4,255,690 a. Estimated current period tax 3,984,173 3,804,689 4,415,128 4,182,618 b. Deferred tax income (expenses) (385,620) (81,788) (386,809) (73,072) NET PROFIT (LOSS) AFTER TAX 17,751,395 16,158,709 18,509,938 16,851,180 COMPREHENSIVE INCOME 1. Items that will not be reclassified subsequently to profit or loss a. Reserves of fixed asset revaluation b. Gain (loss) from actuary benefit program (841) c. Portion of other comprehensive income from associate entities d. Others e. Income tax related to items that will not be reclassified subsequently to profit or loss (196,719) - (196,884) Items that will be reclassified subsequently to profit or loss a. Translation adjustment ,891 (5,019) b. Unrealized gain/loss on available for sale financial assets (2,253,789) 1,687,934 (2,286,711) 1,702,422 c. Effective portion of hedging against cashflow d. Others (9,233) e. Income tax related to items that will be reclassified subsequently to profit or loss 534,745 (421,771) 543,218 (424,245) NET COMPREHENSIVE INCOME FOR THE PERIOD (1,915,763) 1,266,163 (1,891,825) 1,263,294 TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 15,835,632 17,424,872 16,618,113 18,114,474 Net Profit (Loss) Attributable To : OWNERS OF THE PARENT 17,751,395 16,158,709 18,508,015 16,841,680 NON-CONTROLLING INTEREST 1,923 9,500 NET PROFIT (LOSS) 17,751,395 16,158,709 18,509,938 16,851,180 Net Comprehensive Income Attributable To : OWNERS OF THE PARENT (1,915,763) 1,266,163 (1,890,366) 1,262,536 NON-CONTROLLING INTEREST (1,459) 758 TOTAL NET COMPREHENSIVE INCOME FOR THE PERIOD (1,915,763) 1,266,163 (1,891,825) 1,263,294 Total Comprehensive Profit (Loss) Attributable To : OWNERS OF THE PARENT 15,835,632 17,424,872 16,617,649 18,104,216 NON-CONTROLLING INTEREST ,258 TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 15,835,632 17,424,872 16,618,113 18,114,474 DIVIDEND (4,314,626) (3,205,152) (4,314,626) (3,205,152) EARNINGS PER SHARE

5 No. PT BANK CENTRAL ASIA Tbk & Subsidiaries COMMITMENTS & CONTINGENCIES As of September 30, 2018 and December 31, 2017 ACCOUNTS CONSOLIDATED Unaudited Audited Unaudited Audited Sep 30, 2018 Dec 31, 2017 Sep 30, 2018 Dec 31, 2017 I. COMMITTED CLAIMS 5,670,594 11,356,718 10,813,894 15,316, Unused Borrowings - - 5,143,300 2,846,600 a. Rupiah currency - - 3,355,000 1,902,204 b. Foreign currencies - - 1,788, , Outstanding spot and derivatives (purchased) 5,670,594 11,356,718 5,670,594 12,469, Others II. COMMITTED LIABILITIES 275,219, ,826, ,502, ,485, Undisbursed loan facilities to debtors 204,472, ,374, ,755, ,033,413 a. BUMN 14,518,777 11,870,286 14,518,777 11,870,286 i. Committed 5,162,606 2,439,164 5,162,606 2,439,164 - Rupiah currency 5,162,606 2,439,164 5,162,606 2,439,164 - Foreign currencies ii. Uncommitted 9,356,171 9,431,122 9,356,171 9,431,122 - Rupiah currency 2,267,129 2,240,347 2,267,129 2,240,347 - Foreign currencies 7,089,042 7,190,775 7,089,042 7,190,775 b. Others 189,954, ,504, ,237, ,163,127 i. Committed 139,819, ,588, ,497, ,372,095 ii. Uncommitted 50,134,196 38,915,674 50,739,720 39,791, Undisbursed loan facilities to other banks 1,725,033 2,687,643 1,725,033 2,687,643 a. Committed 1,723,251 2,685,604 1,723,251 2,685,604 i. Rupiah currency 1,723,251 2,533,547 1,723,251 2,533,547 ii. Foreign currencies - 152, ,057 b. Uncommitted 1,782 2,039 1,782 2,039 i. Rupiah currency 1,782 2,039 1,782 2,039 ii. Foreign currencies Outstanding irrevocable letters of credit 11,140,078 7,753,880 11,140,078 7,753,880 a. Foreign L/C 7,462,068 5,641,234 7,462,068 5,641,234 b. Local L/C 3,678,010 2,112,646 3,678,010 2,112, Outstanding spot and derivatives (sold) 57,881,065 37,010,566 57,881,065 37,010, Others III. CONTINGENT CLAIMS 443, , ,672 1,061, Received guarantees 86, , , ,486 a. Rupiah currency 86,920 39, , ,555 b. Foreign currencies - 281, , Accrued interest 356, , , ,654 a. Loan interest 356, , , ,185 b. Other interest ,627 17, Others IV. CONTINGENT LIABILITIES 14,989,638 13,813,154 15,017,129 13,814, Issued guarantees 14,989,638 13,813,154 15,017,129 13,814,478 a. Rupiah currency 12,208,260 11,301,335 12,235,751 11,302,659 b. Foreign currencies 2,781,378 2,511,819 2,781,378 2,511, Others

6 PT BANK CENTRAL ASIA Tbk EARNING ASSETS QUALITY AND OTHER INFORMATION As of September 30, 2018 & 2017 No. ACCOUNTS September 30, 2018 (Unaudited) September 30, 2017 (Unaudited) C SM S D L Total C SM S D L Total I. RELATED PARTIES 1. Interbank Placement a. Rupiah currency Spot and derivative claims a. Rupiah currency Securities a. Rupiah currency 113, , , , Securities sold under repurchase agreement (repo) a. Rupiah currency Claims on securities bought under reverse repo a. Rupiah currency Acceptance claims Loans a. Micro, small and medium enterprises (UMKM) 36, ,586 89, ,489 i. Rupiah currency 36, ,586 89, ,489 ii. Foreign currencies b. Non micro, small and medium enterprises 1,428,733 3, ,432,437 2,023,656 3, ,027,180 i. Rupiah currency 1,422,274 3, ,425,978 1,985,323 3, ,988,847 ii. Foreign currencies 6, ,459 38, ,333 c. Restructured loans i. Rupiah currency ii. Foreign currencies d. Loan on property 60,469 2, ,441 77,557 3, , Equity investment 3,110, ,110,049 2,363, ,363, Temporary equity investment Other receivables 30, ,344 11, , Commitments and contingencies a. Rupiah currency 3,508, ,508,315 3,022, ,022,051 b. Foreign currencies 143, ,658 83, , Foreclosed assets II. OTHER PARTIES 1. Interbank Placement a. Rupiah currency 7,583, ,583,520 7,066, ,066,176 b. Foreign currencies 7,502, ,502,209 10,620, ,620, Spot and derivative claims a. Rupiah currency 42, , , ,559 b. Foreign currencies 4, ,491 1, , Securities a. Rupiah currency 96,266, ,266, ,810, , , ,480,736 b. Foreign currencies 30,972, ,972,758 10,775, ,308 11,099, Securities sold under repurchase agreement (repo) a. Rupiah currency , , Claims on securities bought under reverse repo a. Rupiah currency 10,032, ,032,437 49,798, ,798, Acceptance claims 11,279, , ,284,859 8,897,548 2,807-7,253-8,907, Loans a. Micro, small and medium enterprises (UMKM) 60,897,579 1,145,626 84, , ,887 63,048,517 48,493, ,107 86,893 95, ,541 50,245,672 i. Rupiah currency 60,205,499 1,131,969 78, , ,616 62,325,548 47,893, ,546 86,730 95, ,155 49,633,717 ii. Foreign currencies 692,080 13,657 5,961-11, , ,845 1, , ,955 b. Non micro, small and medium enterprises 434,631,668 10,009, , ,130 4,613, ,045, ,762,575 6,828,446 1,534, ,925 3,666, ,521,254

7 PT BANK CENTRAL ASIA Tbk EARNING ASSETS QUALITY AND OTHER INFORMATION As of September 30, 2018 & 2017 No. ACCOUNTS September 30, 2018 (Unaudited) September 30, 2017 (Unaudited) C SM S D L Total C SM S D L Total i. Rupiah currency 402,170,584 9,744, , ,130 4,448, ,947, ,590,103 6,763,611 1,365, ,996 3,478, ,895,825 ii. Foreign currencies 32,461, , , ,772 33,097,960 26,172,472 64, ,304 30, ,889 26,625,429 c. Restructured loans 3,350,020 2,227, ,375 66, ,157 7,201,634 2,599,569 1,604, , , ,477 6,276,208 i. Rupiah currency 3,285,864 2,227, ,966 66, ,157 6,930,069 2,485,536 1,603, , , ,226 5,925,510 ii. Foreign currencies 64, , , ,033 1, ,304 30,929 35, ,698 d. Loan on property 61,316,650 2,135, , ,026 1,202,766 64,862,347 57,355,809 1,859, , , ,203 60,093, Equity investment 270, , , , Temporary equity investment Other receivables 31, ,521 68, , Commitments and contingencies a. Rupiah currency 201,632,504 1,015,518 10, , ,697, ,463, ,742 8,489 24, ,080,879 b. Foreign currencies 25,943,025 4,278 23,975-7,024 25,978,302 25,128,838 67,358-45,663-25,241, Foreclosed assets , , , ,903 III. OTHER INFORMATION 1. Value of bank's assets pledge as collateral : a. To Bank Indonesia - - b. To Other Parties Total Allowance for impairment of financial asset to earning assets 14,291,218 14,042, Total Allowance for productive assets required to be provided 9,601,405 8,776, Percentage small to medium scale loan (UMKM) to total loans 12.24% 11.44% 5. Percentage small scale loan to total loans 1.78% 1.72% 6. Percentage total small to medium scale loan debtors to total loans debtors 10.91% 6.89% 7. Percentage total small scale loan debtors to total loans debtors 4.47% 3.49% 8. Others a. Chanelling of loans b. Mudharabah Muqayyadah Funding - - c. Write-off on earning assets 1,067, ,949 d. Recovery of write-off on earning assets 215, ,148 e. Write-off on earning assets with elimination of right to collect 296, ,827

8 PT BANK CENTRAL ASIA Tbk ALLOWANCE FOR LOSSES As of September 30, 2018 & 2017 September 30, 2018 (Unaudited) September 30, 2017 (Unaudited) No. ACCOUNTS Allowance for Impairment Allowance required to be provided Allowance for Impairment Allowance required to be provided Individual Collective General Special Individual Collective General Special 1. Placements to Bank Indonesia , , Spot and derivative claims , Securities - 11, , ,536 10, , , Securities sold under repurchase agreement (repo) Claims on securities bought under reverse repo Acceptance claims 3, , , , ,731 88,976 3, Loans 3,712,012 10,143,811 4,853,747 3,747,705 3,672,849 9,168,787 4,146,797 2,827, Equity investment - 34,414 33, ,946 26, Temporary equity investment Other receivables , Commitments and Contingencies ,880 95, ,391 55,871

9 PT BANK CENTRAL ASIA Tbk & Subsidiaries CALCULATION OF CAPITAL ADEQUACY RATIO / CAR As of September 30, 2018 & 2017 Individual Consolidated Individual Consolidated I. Tier 1 Capital 134,438, ,706, ,081, ,702,070 1 Common Equity Tier 1 134,438, ,706, ,081, ,702, Pain-in Capital (After the deduction of treasury stock) 1,540,938 1,540,938 1,540,938 1,540, Disclosed Reserves 139,509, ,850, ,889, ,982, Addition Factor 140,503, ,844, ,096, ,189, Other comprehensive income 6,668,193 7,068,184 7,730,374 8,081, Translation adjustment - 399, , Unrealized gain on available for sale financial assets 80,696 80,696 1,138,547 1,140, Reserves of fixed asset revaluation 6,587,497 6,587,497 6,591,827 6,591, Other disclosed reserves 133,835, ,776, ,366, ,108, Agio 5,711,368 5,711,368 5,711,368 5,711, General Reserves 1,697,052 1,697,052 1,463,952 1,463, Previous year's profit 108,675, ,896,496 93,032,095 96,118, Current year's profit 17,751,395 18,471,265 16,158,709 16,815, Fund for paid-in capital Others Deduction Factor (993,843) (994,342) (207,383) (207,383) Other comprehensive income (539,935) (533,553) Translation adjustment Unrealized loss on available for sale financial assets (539,935) (533,553) Other disclosed reserves (453,908) (460,789) (207,383) (207,383) Disagio Previous year's losses Current year's losses Difference between allowance for possible losses and allowance for impairment losses on earning assets Difference on the total of fair value adjustment from financial instruments in trading book Allowance for losses on non productive assets required to be provided (453,908) (460,789) (207,383) (207,383) Others Non-controlling interest Deduction Factor of Common Equity Tier 1 (6,612,848) (4,684,524) (5,348,396) (3,821,355) Deferred tax (2,919,438) (3,085,838) (2,846,327) (2,988,669) Goodwill (122,759) (93,885) Other intangible assets (584,361) (606,419) (139,796) (156,790) Investments in shares of stock (3,109,049) (869,508) (2,362,273) (582,011) Shortage of capital on insurance subsidiary company Securitisation Exposure Other deduction factor of common equity tier Investments in Instruments issued by the other bank that meet the criteria for inclusion in additional tier 1 and tier Cross ownership of other entities obtained due to transfer because of law, grant, or bequest Additional Tier 1 Capital Instruments issued by the bank that meet the criteria for inclusion in additional tier 1 capital Agio / Disagio Deduction factor Investments in Instruments issued by the other bank that meet the criteria for inclusion in additional tier 1 and tier Cross ownership of other entities obtained due to transfer because of law, grant, or bequest II. Tier 2 Capital 6,256,447 6,376,983 4,910,245 5,031,733 1 Instruments issued by the bank that meet the criteria for inclusion in tier 2 capital 500, , Agio / disagio General allowance for losses on earning assets (max. 1.25% from risk-weighted assets) 5,756,447 5,876,983 4,910,245 5,031,733 4 Deduction Factor of Tier 2 Capital Sinking Fund Investments in Instruments issued by the other bank that meet the criteria for inclusion in additional tier Cross ownership of other entities obtained due to transfer because of law, grant, or bequest Total Capital 140,694, ,083, ,991, ,733,803 RISK-WEIGHTED ASSETS (RWAs) Unaudited Unaudited Unaudited Unaudited Sep 30, 2018 Sep 30, 2017 DESCRIPTION Sep 30, 2018 Sep 30, 2017 Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated CAR RATIO RWAs CONSIDERING CREDIT RISK 511,812, ,258, ,536, ,963,442 CET 1 Ratio (%) 22.16% 22.72% 22.69% 23.09% RWAs CONSIDERING MARKET RISK 3,647,446 4,216,825 1,475,444 1,970,275 Tier 1 Ratio (%) 22.16% 22.72% 22.69% 23.09% RWAs CONSIDERING OPERATIONAL RISK 91,331,739 96,258,426 83,104,965 87,544,008 Tier 2 Ratio (%) 1.03% 1.02% 0.93% 0.92% TOTAL RISK-WEIGHTED ASSETS 606,791, ,733, ,116, ,477,725 CAR Ratio (%) 23.19% 23.74% 23.62% 24.01% Min. capital requirements based on risk profile 9.99% 9.99% 9.99% 9.99% CET 1 FOR BUFFER (%) 13.20% 13.75% 13.63% 14.02% REGULATORY MINIMUM CAPITAL REQUIREMENT REGULATORY BUFFER PERCENTAGE REQUIRED BY ALLOCATION BANK From CET 1 (%) 8.96% 8.97% 9.06% 9.07% Capital Conservation Buffer (%) 1.875% 1.875% 1.250% 1.250% From AT 1 (%) 0.00% 0.00% 0.00% 0.00% Countercyclical Buffer (%) 0.000% 0.000% 0.000% 0.000% From Tier 2 (%) 1.03% 1.02% 0.93% 0.92% Capital Surcharge For Systemic Bank (%) 1.500% 1.500% 1.000% 1.000% Unaudited Unaudited Sep 30, 2018 Sep 30, 2017

10 PT BANK CENTRAL ASIA Tbk FINANCIAL RATIOS CALCULATION TABLE As of September 30, 2018 & 2017 Ratio (%) Unaudited Unaudited Sep 30, 2018 Sep 30, 2017 Performance Ratio 1. Capital Adequacy Ratio 23.19% 23.62% 2. Non performing earning assets and non earning assets to total earning assets and non earning assets 0.84% 0.93% 3. Non perfoming earning assets to total earning assets 1.04% 1.19% 4. Impairment provision on earning assets to total earning assets 2.01% 2.16% 5. Gross NPL 1.44% 1.53% 6. Net NPL 0.42% 0.43% 7. Return on Asset (ROA) 3.86% 3.83% 8. Return on Equity (ROE) 18.42% 19.06% 9. Net Interest Margin (NIM) 6.07% 6.19% 10. Operating Expenses to Operating Revenues 60.17% 59.86% 11. Loan to Deposit Ratio (LDR) 80.88% 74.74% 12. Net Stable Funding Ratio (NSFR) a. NSFR - individual % b. NSFR - consolidated % Compliance 1. a. Percentage Violation of Legal Lending Limit i. Related parties 0.00% 0.00% ii. Non related parties 0.00% 0.00% b. Percentage Lending in excess of Legal Lending Limit i. Related Parties 0.00% 0.00% ii. Non related parties 0.00% 0.00% 2. Reserve Requirement a. Primary Reserve Requirement (Rupiah) 6.54% 7.14% b. Reserve Requirement (Foreign currency) 8.57% 11.48% 3. Net Open Position 0.17% 0.21%

11 BOARD OF COMMISSIONERS & DIRECTORS 1) BANK'S OWNERS BOARD OF COMMISSIONERS - President Commissioner : Djohan Emir Setijoso PT Dwimuria Investama Andalan *) : 54.94% - Commissioner : Tonny Kusnadi Anthoni Salim : 1.76% - Independent Commissioner : Cyrillus Harinowo Public **) : 43.30% - Independent Commissioner : Raden Pardede - Independent Commissioner : Sumantri Slamet Total % BOARD OF DIRECTORS *) - President Director : Jahja Setiaatmadja - Deputy President Director : Eugene Keith Galbraith - Deputy President Director : Armand Wahyudi Hartono **) - Director : Suwignyo Budiman - Director / Compliance Director : Tan Ho Hien / Subur known as Subur Tan - Director : Henry Koenaifi - Independent Director : Erwan Yuris Ang - Director : Rudy Susanto - Director : Lianawaty Suwono - Director : Santoso - Director : Inawaty Handoyo - Director : Vera Eve Lim The 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. In the composition of shares held by the public, 2.49% of the shares are owned by parties affiliated with PT Dwimuria Investama Andalan. 1) Composition of the Board of Commissioners & Board of Directors as evident in the Statement of Resolutions of Shareholders' Meeting of PT Bank Central Asia Tbk No. 180 dated 26 April 2018 drawn up before Dr. Irawan Soerodjo, S.H., MSi., Notary Public in Jakarta.

12 PT BANK CENTRAL ASIA Tbk SPOT AND DERIVATIVE TRANSACTIONS As of September 30, 2018 No. TRANSACTION Notional Objectives Derivative Receivables and Payables Amount Trading Hedging Receivables Payables A. Related to Exchange Rate 63,551,659 63,551,659-46,814 2,198, Spot 7,224,101 7,224,101-4,331 7, Forward 5,262,134 5,262,134-32,280 25, Option a. Put b. Call Future Swap 51,065,424 51,065,424-10,203 2,164, Others B. Related to Interest Rate Forward Option a. Put b. Call Future Swap Others C. Others TOTAL 46,814 2,198,031

13 PT BANK CENTRAL ASIA Tbk & Subsidiaries CONSOLIDATED STATEMENTS OF CASH FLOWS For Periods Ended September 30, 2018 & 2017 No. ACCOUNTS CONSOLIDATED Unaudited Unaudited Sep 30, 2018 Sep 30, 2017 I. CASH FLOWS FROM OPERATING ACTIVITIES 1. Receipts of interest and sharia, fees and commissions 49,241,608 47,547, Other operating income 2,442,956 1,850, Payments of interest and sharia, fees and commissions (8,241,341) (9,000,293) 4. (Loss) gain from foreign exchange transactions - net (205,311) 275, Other operating expenses (19,889,860) (17,918,554) 6. Payment of tantiem to Board of Commissioners and Directors (354,950) (308,114) 7. Other increase/decrease affecting cash : a. Placements with Bank Indonesia and other banks -mature more than 3 months from the date of acquisition 2,484,544 39,648 b. Financial assets held for trading 3,121,203 1,765,634 c. Acceptance receivables (968,791) (1,561,688) d. Bills receivable (2,243,349) (1,165,656) e. Securities purchased under agreements to resell (816,672) (47,593,247) f. Loans receivable (49,616,826) (24,904,062) g. Consumer financing receivables 1,588, ,362 h. Investments in finance leases - net (3,411) (6,729) i. Assets related to sharia transactions (671,532) (534,186) j. Other assets 467,890 (28,483) k. Deposits from customers 32,777,769 44,253,251 l. Sharia deposits (8,927) 84,832 m. Deposits from other banks (529,552) 2,753,668 n. Acceptance payables 673,135 1,475,831 o. Accruals and other liabilities 1,685, ,396 p. Temporary syirkah deposits 522, ,036 Net cash provided by (used in) operating activities before income tax 11,455,008 (1,685,019) 8. Payment of income tax (3,735,638) (3,782,447) Net cash provided by (used in) operating activities 7,719,370 (5,467,466) II. CASH FLOWS FROM INVESTING ACTIVITIES 1. Sale of investment securities 45,279 35, Acquisition of investment securities (73,551,742) (61,210,819) 3. Proceeds from investment securities that had matured during the period 87,657,479 56,826, Cash dividends received from investment in shares 11, Acquisition of a subsidiary's ownership from non-controlling interest - (75,936) 6. Acquisition of a subsidiary, net of cash and cash equivalents acquired Acquisitions of fixed assets (1,289,436) (1,037,094) 8. Proceeds from sale of fixed assets 6,511 16,819 Net cash provided by (used in) investing activities 12,879,596 (5,444,189) III. CASH FLOWS FROM FINANCING ACTIVITIES 1. Increase (decrease) in debt securities issued 99,098 (1,721,624) 2. Increase (decrease) in borrowings - net (1,514,530) (120,991) 3. Additional share capital payment of a subsidiary by non-controlling interest Payments of cash dividens (4,314,626) (3,205,152) 5. Increase (decrease) in liabilities on securities sold under repurchase agreement (61,360) 352,595 Net cash provided by (used in) financing activities (5,791,418) (4,695,172) NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS 14,807,548 (15,606,827) CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD 83,377, ,319,853 EFFECT OF FOREIGN EXCHANGE RATE FLUCTUATIONS ON CASH AND CASH EQUIVALENTS 1,585, ,220 CASH AND CASH EQUIVALENTS, END OF PERIOD 99,770,548 85,165,246 IV. CASH AND CASH EQUIVALENTS CONSIST OF : 1. Cash 14,712,333 15,290, Current accounts with Bank Indonesia 43,406,897 45,812, Current accounts with other banks 6,669,278 10,516, Placements with Bank Indonesia and other banks - mature within 3 months or less from the date of acquisition 34,982,040 13,545,655 Total cash and cash equivalents 99,770,548 85,165,246