PT BANK CENTRAL ASIA Tbk & Subsidiaries STATEMENTS OF FINANCIAL POSITION As of December 31, 2017 & 2016 (In millions of Rupiah)

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1 No. ACCOUNTS PT BANK CENTRAL ASIA Tbk & Subsidiaries STATEMENTS OF FINANCIAL POSITION CONSOLIDATED Dec 31, 2017 Dec 31, 2016 Dec 31, 2017 Dec 31, 2016 ASSETS 1. Cash 16,726,199 15,925,338 16,754,289 15,943, Placement to Bank Indonesia 52,214,787 67,018,647 52,884,319 67,557, Interbank placement 17,350,899 20,108,863 18,699,562 21,345, Spot and derivatives claims 124,375 60, ,375 60, Securities 141,964, ,581, ,678, ,646,318 a. Measured at fair value through profit and loss 5,837,217 4,588,175 5,843,052 4,591,246 b. Available for sale 106,603,899 81,466, ,483,500 81,834,498 c. Held to maturity 22,986,375 26,764,128 23,732,921 27,391,411 d. Loan and receivables 6,537,374 3,762,828 6,619,177 3,829, Securities sold under repurchase agreement (repo) , , Claims on securities bought under reverse repo 8,729,981 2,196,231 9,261,626 2,549, Acceptance claims 10,316,068 7,345,920 10,316,068 7,345, Loans 467,619, ,278, ,508, ,896,245 a. Measured at fair value through profit and loss b. Available for sale c. Held to maturity d. Loan and receivables 467,619, ,278, ,508, ,896, Sharia financing - - 4,191,102 3,462, Equity investment 3,381,009 2,273, , , Impairment on financial assets -/- (14,117,471) (13,455,492) (14,634,168) (13,915,465) a. Securities (421,524) (744,085) (487,880) (855,485) b. Loans (13,243,452) (12,504,607) (13,243,869) (12,505,024) c. Others (452,495) (206,800) (902,419) (554,956) 13. Intangible assets 1,321, ,529 1,558, ,526 Accumulated amortization on intangible asset -/- (613,151) (447,287) (689,518) (513,071) 14. Fixed assets and equipment 25,331,475 24,736,910 25,949,420 25,233,946 Accumulated depreciation on fixed assets and equipment -/- (8,868,882) (8,070,163) (9,080,471) (8,243,111) 15. Non productive Asset 295, , , ,250 a. Abandoned property 32,538 14,981 32,538 14,981 b. Foreclosed accounts 239, , , ,594 c. Suspense accounts 17,857 10,784 17,857 10,784 d. Interbranch assets 5,040 32,891 5,040 32,891 i. Conducting operational activities in Indonesia 5,040 32,891 5,040 32,891 ii. Conducting operational activities outside Indonesia Impairment of non financial assets -/- - - (8,527) Consumer financing receivables and Net investments in finance leases - - 9,067,873 8,670, Deferred tax assets 2,967,032 3,349,886 3,219,241 3,548, Other assets 9,961,983 7,760,879 10,819,741 8,680,941 TOTAL ASSETS 734,705, ,594, ,319, ,738,753

2 PT BANK CENTRAL ASIA Tbk & Subsidiaries STATEMENTS OF FINANCIAL POSITION No. ACCOUNTS CONSOLIDATED Dec 31, 2017 Dec 31, 2016 Dec 31, 2017 Dec 31, 2016 LIABILITIES AND EQUITIES LIABILITIES 1. Current account 151,287, ,880, ,249, ,852, Saving account 292,416, ,351, ,416, ,351, Time deposit 137,478, ,933, ,448, ,928, Revenue sharing investment - - 4,456,413 3,831, Liabilities to Bank Indonesia Interbank liabilities 5,762,982 4,903,061 5,758,414 4,900, Spot and derivatives liabilities 51, ,067 53, , Liabilities on securities sold under repurchase agreement , , Acceptance liabilities 5,800,477 4,187,148 5,800,477 4,187, Issued securities ,499 2,332, Loans received ,706 3,040,390 2,789, Margin deposit 180, , , , Interbranch liabilities a. Conducting operational activities in Indonesia b. Conducting operational activities outside Indonesia Deferred tax liabilities Other liabilities 14,889,686 13,212,106 17,805,116 15,468, Profit sharing investment TOTAL LIABILITIES 607,869, ,520, ,917, ,023,694 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 5,564,552 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) (146,816) 19. Other comprehensive gain (loss) 4,896,524 4,120,938 5,231,681 4,478,069 a. Translation adjustment , ,923 b. Unrealized gain/loss on available for sale financial assets 1,679,740 (170,155) 1,698,693 (174,680) c. Effective portion of hedging against cashflow d. Reserves of fixed asset revaluation 6,587,497 6,591,827 6,587,497 6,591,827 e. Portion of other comprehensive income from associate entities f. Gain (loss) from actuary benefit program (3,934,371) (3,124,364) (3,978,686) (3,128,451) g. Income tax related to other comprehensive income 563, , , ,832 h. Others - - 1,385 10, Reserves of quasy reorganization Reserves of restructuring under common control Other Equity Reserves 1,463,952 1,257,895 1,463,952 1,257,895 a. General reserves 1,463,952 1,257,895 1,463,952 1,257,895 b. Appropriated reserves Gain/loss 113,223,474 96,443, ,518,007 99,591,623 a. Previous years 91,059,694 76,689,920 94,208,013 78,985,887 b. Current Year 22,163,780 19,753,384 23,309,994 20,605,736 TOTAL EQUITIES ATTRIBUTABLE TO OWNERS OF THE PARENT 126,836, ,074, ,303, ,433, Non-controlling interest 98, ,982 TOTAL EQUITIES 126,836, ,074, ,401, ,715,059 TOTAL LIABILITIES AND EQUITIES 734,705, ,594, ,319, ,738,753

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 year ended December 31, 2017 and 2016, that have been audited by Tanudiredja, Wibisana, Rintis & Rekan, Registered Public Accountants - a member firm of PwC Global Network (Partner in-charge: Lucy Luciana Suhenda, S.E., Ak., CPA) and Siddharta Widjaja & Rekan, Registered Public Accountants - a member firm of KPMG International (Partner in-charge: Kusumaningsih Angkawijaya, CPA), with unmodified opinion in its report dated February 14, 2018 and 2017, respectively. 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. Pursuant to 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, the financial statements of BCA's parent entity [PT Dwimuria Investama Andalan] have not yet been presented. - The main exchange rates used were as follows: Rate as of December 31, 2017 : 1 USD = Rp 13, HKD = Rp 1, Rate as of December 31, 2016 : 1 USD = Rp 13, HKD = Rp 1,737.34

4 PT BANK CENTRAL ASIA Tbk & Subsidiaries STATEMENTS OF COMPREHENSIVE INCOME For Years Ended December 31, 2017 & 2016 (In millions of Rupiah, except earning per share) No. ACCOUNTS CONSOLIDATED Dec 31, 2017 Dec 31, 2016 Dec 31, 2017 Dec 31, 2016 OPERATIONAL INCOME AND EXPENSES A. Interest income & expenses 1. Interest income 50,048,224 47,069,490 53,799,194 50,561,692 a. Rupiah currency 48,435,929 45,737,825 52,158,925 49,203,108 b. Foreign currencies 1,612,295 1,331,665 1,640,269 1,358, Interest expenses 11,439,382 9,762,726 11,941,465 10,346,736 a. Rupiah currency 11,272,292 9,690,246 11,747,908 10,271,085 b. Foreign currencies 167,090 72, ,557 75,651 Net interest income (expenses) 38,608,842 37,306,764 41,857,729 40,214,956 B. Operational Income and Expenses Other than Interest 1. Operational Income Other than Interest 16,393,056 14,977,007 18,109,041 16,262,353 a. Positive mark to market on financial assets 395,833 99, , ,377 i. Securities 50,331 64,044 50,331 65,757 ii. Loans iii. Spot and derivatives 344,519 24, ,519 24,924 iv. Other financial assets , ,696 b. Negative mark to market on financial liabilities c. Gain on sale of financial assets 742, , , ,603 i. Securities 718, , , ,603 ii. Loans iii. Other financial assets 23,304-25,835 - d. Gain on spot and derivatives (realised) 763,650 1,851, ,178 1,854,627 e. Dividend 454, ,351 1,025 1,071 f. Gain on investment under equity method g. Commission/provision/fee and administration 10,260,158 9,237,996 10,388,000 9,404,541 h. Recovery of impairment 2,575,086 2,172,116 2,823,120 2,346,549 i. Other income 1,201, ,109 2,964,805 1,952, Operational Expenses Other than Interest 27,527,236 27,736,416 30,808,027 30,638,109 a. Negative mark to market on financial assets 89, ,526 90, ,526 i. Securities 61,544 9,276 61,975 9,276 ii. Loans iii. Spot and derivatives 17, ,250 17, ,250 iv. Other financial assets 10,696-10,696 - b. Positive mark to market on financial liabilities c. Loss on sale of financial assets 60,491 83,904 60,494 83,904 i. Securities 22,496 79,020 22,499 79,020 ii. Loans 37,995 4,884 37,995 4,884 iii. Other financial asset d. Loss on spot and derivatives (realised) 9,141 1,068 9,141 1,068 e. Impairment of financial assets 4,836,940 6,425,348 5,447,169 6,907,823 i. Securities 191,611 10, ,893 25,591 ii. Loans 4,387,007 6,287,886 4,387,007 6,288,303 iii. Sharia financing , ,748 iv. Other financial assets 258, , , ,181 f. Losses on operational risk 15,155 12,031 15,419 12,412 g. Losses on investment under equity method h. Commission/provision/fee and administration ,162 3,842 i. Impairment of other assets (non financial assets) - - 8,570 - j. Personnel expenses 9,995,399 9,345,147 11,037,329 10,386,896 k. Promotion expenses 889, , ,910 1,015,200 l. Others expenses 11,630,776 10,733,847 13,139,663 11,964,438 Net Operational Income (Expenses) Other than Interest (11,134,180) (12,759,409) (12,698,986) (14,375,756) CURRENT YEAR PROFIT (LOSS) BEFORE TAX 27,474,662 24,547,355 29,158,743 25,839,200 Income taxes 5,310,882 4,793,971 5,837,593 5,206,919 a. Estimated current period tax 5,188,000 5,129,551 5,762,403 5,593,753 b. Deferred tax income (expenses) (122,882) 335,580 (75,190) 386,834 NET PROFIT (LOSS) AFTER TAX 22,163,780 19,753,384 23,321,150 20,632,281 COMPREHENSIVE INCOME 1. Items that will not be reclassified subsequently to profit or loss a. Reserves of fixed asset revaluation (4,330) 6,591,827 (4,330) 6,591,827 b. Gain (loss) from actuary benefit program (810,007) 296,837 (850,232) 289,457 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 202,502 (74,209) 212,936 (72,364) 2. Items that will be reclassified subsequently to profit or loss a. Translation adjustment - - (1,823) (11,108) b. Unrealized gain/loss on available for sale financial assets 1,849,895 (44,487) 1,874,674 (36,908) c. Effective portion of hedging against cashflow d. Others - - (9,233) 3,284 e. Income tax related to items that will be reclassified subsequently to profit or loss (462,474) 11,122 (467,401) 8,276 NET COMPREHENSIVE INCOME FOR THE YEAR 775,586 6,781, ,591 6,772,464 TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 22,939,366 26,534,474 24,075,741 27,404,745 Net Profit (Loss) Attributable To : OWNERS OF THE PARENT 22,163,780 19,753,384 23,309,994 20,605,736 NON-CONTROLLING INTEREST 11,156 26,545 NET PROFIT (LOSS) 22,163,780 19,753,384 23,321,150 20,632,281 Net Comprehensive Income Attributable To : OWNERS OF THE PARENT 775,586 6,781, ,612 6,772,546 NON-CONTROLLING INTEREST 979 (82) TOTAL NET COMPREHENSIVE INCOME FOR THE YEAR 775,586 6,781, ,591 6,772,464 Total Comprehensive Profit (Loss) Attributable To : OWNERS OF THE PARENT 22,939,366 26,534,474 24,063,606 27,378,282 NON-CONTROLLING INTEREST 12,135 26,463 TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 22,939,366 26,534,474 24,075,741 27,404,745 DIVIDEND (5,177,553) (4,314,626) (5,177,553) (4,314,626) EARNINGS PER SHARE

5 No. PT BANK CENTRAL ASIA Tbk & Subsidiaries COMMITMENTS & CONTINGENCIES ACCOUNTS CONSOLIDATED Dec 31, 2017 Dec 31, 2016 Dec 31, 2017 Dec 31, 2016 I. COMMITTED CLAIMS 11,356,718 4,861,083 15,316,290 8,569, Unused Borrowings - - 2,846,600 3,483,084 a. Rupiah currency - - 1,902,204 2,140,009 b. Foreign currencies ,396 1,343, Outstanding spot and derivatives (purchased) 11,356,718 4,861,083 12,469,690 5,086, Others II. COMMITTED LIABILITIES 232,826, ,220, ,485, ,688, Undisbursed loan facilities to debtors 185,374, ,492, ,033, ,961,200 a. BUMN 11,870,286 9,777,769 11,870,286 9,777,769 i. Committed 2,439,164 2,337,344 2,439,164 2,337,344 - Rupiah currency 2,439,164 2,337,344 2,439,164 2,337,344 - Foreign currencies ii. Uncommitted 9,431,122 7,440,425 9,431,122 7,440,425 - Rupiah currency 2,240, ,000 2,240, ,000 - Foreign currencies 7,190,775 7,140,425 7,190,775 7,140,425 b. Others 173,504, ,715, ,163, ,183,431 i. Committed 134,588, ,593, ,372, ,497,281 ii. Uncommitted 38,915,674 31,121,011 39,791,032 31,686, Undisbursed loan facilities to other banks 2,687,643 1,285,435 2,687,643 1,285,435 a. Committed 2,685,604 1,285,435 2,685,604 1,285,435 i. Rupiah currency 2,533,547 1,285,435 2,533,547 1,285,435 ii. Foreign currencies 152, ,057 - b. Uncommitted 2,039-2,039 - i. Rupiah currency 2,039-2,039 - ii. Foreign currencies Outstanding irrevocable letters of credit 7,753,880 5,778,889 7,753,880 5,778,889 a. Foreign L/C 5,641,234 4,371,461 5,641,234 4,371,461 b. Local L/C 2,112,646 1,407,428 2,112,646 1,407, Outstanding spot and derivatives (sold) 37,010,566 21,663,124 37,010,566 21,663, Others III. CONTINGENT CLAIMS 606, ,449 1,061, , Received guarantees 321,486 54, , ,392 a. Rupiah currency 39,555 38, , ,212 b. Foreign currencies 281,931 16, ,931 16, Accrued interest 285, , , ,828 a. Loan interest 285, , , ,236 b. Other interest ,469 14, Others IV. CONTINGENT LIABILITIES 13,813,154 11,339,637 13,814,478 11,345, Issued guarantees 13,813,154 11,339,637 13,814,478 11,345,249 a. Rupiah currency 11,301,335 9,139,743 11,302,659 9,145,355 b. Foreign currencies 2,511,819 2,199,894 2,511,819 2,199, Others

6 PT BANK CENTRAL ASIA Tbk EARNING ASSETS QUALITY AND OTHER INFORMATION No. ACCOUNTS December 31, 2017 () December 31, 2016 () 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 202, , , , 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) 32, ,037 20, ,357 i. Rupiah currency 32, ,037 20, ,357 ii. Foreign currencies b. Non micro, small and medium enterprises 4,602,946 1, ,604,689 4,157,169 4, ,161,916 i. Rupiah currency 4,567,813 1, ,569,556 4,111,334 4, ,116,081 ii. Foreign currencies 35, ,133 45, ,835 c. Restructured loans i. Rupiah currency ii. Foreign currencies d. Loan on property 72, ,552 70,600 4, , Equity investment 3,110, ,110,049 2,087, ,087, Temporary equity investment Other receivables 35, ,020 23, , Commitments and contingencies a. Rupiah currency 897, ,639 1,053, ,053,711 b. Foreign currencies 96, , , , Foreclosed assets II. OTHER PARTIES 1. Interbank Placement a. Rupiah currency 8,050, ,050,576 7,401, ,401,143 b. Foreign currencies 9,300, ,300,222 12,707, ,707, Spot and derivative claims a. Rupiah currency 123, ,039 59, ,241 b. Foreign currencies 1, , Securities a. Rupiah currency 121,146, , , ,511,849 99,113, ,038 99,521,809 b. Foreign currencies 20,128, ,103 20,250,938 16,405, ,333 16,729, Securities sold under repurchase agreement (repo) a. Rupiah currency Claims on securities bought under reverse repo a. Rupiah currency 8,729, ,729,981 2,196, ,196, Acceptance claims 10,313,088 1,939-1,041-10,316,068 7,345, ,345,920

7 PT BANK CENTRAL ASIA Tbk EARNING ASSETS QUALITY AND OTHER INFORMATION No. ACCOUNTS December 31, 2017 () December 31, 2016 () C SM S D L Total C SM S D L Total 7. Loans a. Micro, small and medium enterprises (UMKM) 54,187, ,479 53, , ,153 55,683,787 46,819, ,532 42, , ,848 48,137,726 i. Rupiah currency 53,552, ,479 53, , ,694 55,038,213 46,153, ,647 42, , ,932 47,453,980 ii. Foreign currencies 634, , , ,945 6, , ,746 b. Non micro, small and medium enterprises 395,130,046 5,958,005 1,932, ,330 3,710, ,299, ,388,007 5,788, , ,853 3,897, ,958,937 i. Rupiah currency 368,148,935 5,895,843 1,761, ,426 3,523, ,858, ,247,702 5,747, , ,853 3,698, ,418,393 ii. Foreign currencies 26,981,111 62, ,307 37, ,562 27,440,046 25,140,305 40, , ,163 25,540,544 c. Restructured loans 3,141,037 1,230, , ,381 1,196,532 6,568,422 3,945,899 1,254, , , ,142 6,531,279 i. Rupiah currency 3,034,368 1,230, , ,477 1,162,573 6,218,583 3,807,351 1,247,544 94, , ,823 6,186,966 ii. Foreign currencies 106, ,307 37,904 33, , ,548 6, ,658-38, ,313 d. Loan on property 57,401,720 1,745, , , ,333 60,734,871 54,477, ,126 61,308 66, ,617 56,127, Equity investment 270, , , , Temporary equity investment Other receivables 77, ,535 38, , Commitments and contingencies a. Rupiah currency 182,275, ,149 24,784 24, ,928, ,369, , , ,750,268 b. Foreign currencies 25,668,302 5,119-33,192-25,706,613 22,987, ,987, Foreclosed assets , , , ,594 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 14,117,471 13,455, Total Allowance for productive assets required to be provided 8,309,949 8,247, Percentage small to medium scale loan (UMKM) to total loans 11.91% 11.57% 5. Percentage small scale loan to total loans 1.77% 1.24% 6. Percentage total small to medium scale loan debtors to total loans debtors 9.78% 7.59% 7. Percentage total small scale loan debtors to total loans debtors 3.86% 2.61% 8. Others a. Chanelling of loans b. Mudharabah Muqayyadah Funding - - c. Write-off on earning assets 1,109, ,313 d. Recovery of write-off on earning assets 302, ,039 e. Write-off on earning assets with elimination of right to collect 416, ,049

8 PT BANK CENTRAL ASIA Tbk ALLOWANCE FOR LOSSES December 31, 2017 () December 31, 2016 () 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 - - 1, Securities 410,548 10, , , ,371 12, , , Securities sold under repurchase agreement (repo) Claims on securities bought under reverse repo Acceptance claims , , ,528 73, Loans 3,611,482 9,631,970 4,425,015 2,769,942 3,287,597 9,217,010 3,938,665 2,575, Equity investment - 34,414 33, ,335 22, Temporary equity investment Other receivables - 1,439 1, , Commitments and Contingencies ,274 42, ,989 53,318

9 PT BANK CENTRAL ASIA Tbk & Subsidiaries CALCULATION OF CAPITAL ADEQUACY RATIO / CAR Individual Consolidated Individual Consolidated I. Tier 1 Capital 122,730, ,239, ,541, ,246,294 1 Common Equity Tier 1 122,730, ,239, ,541, ,246, Pain-in Capital (After the deduction of treasury stock) 1,540,938 1,540,938 1,540,938 1,540, Disclosed Reserves 127,973, ,553, ,638, ,077, Addition Factor 128,246, ,825, ,197, ,637, Other comprehensive income 7,847,302 8,205,983 6,784,698 7,138, Translation adjustment - 352, , Unrealized gain on available for sale financial assets 1,259,805 1,266, , , Reserves of fixed asset revaluation 6,587,497 6,587,497 6,591,827 6,591, Other disclosed reserves 120,398, ,619, ,412, ,498, Agio 5,711,368 5,711,368 5,711,368 5,711, General Reserves 1,463,952 1,463,952 1,257,895 1,257, Previous year's profit 91,059,694 94,145,652 76,689,920 78,947, Current year's profit 22,163,780 23,298,570 19,753,384 20,581, Fund for paid-in capital Others Deduction Factor (272,140) (272,140) (559,062) (559,242) Other comprehensive income - - (320,487) (320,667) Translation adjustment Unrealized loss on available for sale financial assets - - (320,487) (320,667) Other disclosed reserves (272,140) (272,140) (238,575) (238,575) 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 (272,140) (272,140) (238,575) (238,575) Others Non-controlling interest Deduction Factor of Common Equity Tier 1 (6,784,773) (4,854,442) (5,637,465) (4,372,548) Deferred tax (2,967,032) (3,140,295) (3,349,886) (3,494,178) Goodwill (122,759) (93,885) Other intangible assets (708,692) (738,713) (201,242) (214,453) Investments in shares of stock (3,109,049) (852,675) (2,086,337) (570,032) 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 5,233,938 5,367,880 4,648,337 4,772,769 1 Instruments issued by the bank that meet the criteria for inclusion in tier 2 capital Agio / disagio General allowance for losses on earning assets (max. 1.25% from risk-weighted assets) 5,233,938 5,367,880 4,648,337 4,772,769 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 127,964, ,607, ,190, ,019,063 RISK-WEIGHTED ASSETS (RWAs) Dec 31, 2017 Dec 31, 2016 DESCRIPTION Dec 31, 2017 Dec 31, 2016 Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated CAR RATIO Dec 31, 2017 Dec 31, 2016 RWAs CONSIDERING CREDIT RISK 468,654, ,186, ,659, ,953,804 CET 1 Ratio (%) 22.12% 22.66% 20.97% 21.29% RWAs CONSIDERING MARKET RISK 3,063,943 2,728,225 1,810,509 2,488,638 Tier 1 Ratio (%) 22.12% 22.66% 20.97% 21.29% RWAs CONSIDERING OPERATIONAL RISK 83,104,965 87,544,008 72,767,308 76,347,337 Tier 2 Ratio (%) 0.94% 0.94% 0.92% 0.92% TOTAL RISK-WEIGHTED ASSETS 554,823, ,459, ,236, ,789,779 CAR Ratio (%) 23.06% 23.60% 21.90% 22.21% Min. capital requirements based on risk profile 9.99% 9.99% 9.99% 9.99% CET 1 FOR BUFFER (%) 13.07% 13.61% 11.91% 12.22% REGULATORY MINIMUM CAPITAL REQUIREMENT ALLOCATION REGULATORY BUFFER PERCENTAGE REQUIRED BY BANK From CET 1 (%) 9.05% 9.05% 9.07% 9.07% Capital Conservation Buffer (%) 1.250% 1.250% 0.625% 0.625% From AT 1 (%) 0.00% 0.00% 0.00% 0.00% Countercyclical Buffer (%) 0.000% 0.000% 0.000% 0.000% From Tier 2 (%) 0.94% 0.94% 0.92% 0.92% Capital Surcharge For Systemic Bank (%) 1.000% 1.000% 0.500% 0.500%

10 PT BANK CENTRAL ASIA Tbk FINANCIAL RATIOS CALCULATION TABLE Ratio (%) Dec 31, 2017 Dec 31, 2016 Performance Ratio 1. Capital Adequacy Ratio 23.06% 21.90% 2. Non performing earning assets and non earning assets to total earning assets and non earning assets 0.90% 0.84% 3. Non perfoming earning assets to total earning assets 1.13% 1.05% 4. Impairment provision on earning assets to total earning assets 2.14% 2.27% 5. Gross NPL 1.49% 1.31% 6. Net NPL 0.45% 0.31% 7. Return on Asset (ROA) 3.89% 3.96% 8. Return on Equity (ROE) 19.20% 20.46% 9. Net Interest Margin (NIM) 6.19% 6.81% 10. Operating Expenses to Operating Revenues 58.65% 60.44% 11. Loan to Funding Ratio (LFR) 78.22% 77.12% 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) 7.04% 7.25% b. Reserve Requirement (Foreign currency) 8.49% 8.46% 3. Net Open Position 0.51% 0.15%

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 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. 216 dated 26 August 2016, 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 December 31, 2017 No. TRANSACTION Notional Objectives Derivative Receivables and Payables Amount Trading Hedging Receivables Payables A. Related to Exchange Rate 48,367,283 48,367, ,375 51, Spot 4,247,046 4,247,046-1,909 2, Forward 10,029,000 10,029,000-28,481 12, Option a. Put b. Call Future Swap 34,091,237 34,091,237-93,985 36, Others B. Related to Interest Rate Forward Option a. Put b. Call Future Swap Others C. Others TOTAL 124,375 51,389

13 PT BANK CENTRAL ASIA Tbk & Subsidiaries CONSOLIDATED STATEMENTS OF CASH FLOWS For Years Ended December 31, 2017 & 2016 No. ACCOUNTS CONSOLIDATED Dec 31, 2017 Dec 31, 2016 I. CASH FLOWS FROM OPERATING ACTIVITIES 1. Receipts of interest and sharia, fees and commissions 62,896,141 57,248, Other operating income 2,554,654 2,062, Payments of interest and sharia, fees and commissions (11,900,029) (10,313,905) 4. Post-employment benefits paid (1,488,730) (1,510,616) 5. (Loss) gain from foreign exchange transactions - net 200,959 1,763, Other operating expenses (22,390,235) (20,631,629) 7. Payment of tantiem to Board of Commissioners and Directors (308,114) (269,600) 8. Other increase/decrease affecting cash : a. Placements with Bank Indonesia and other banks -mature more than 3 months from the date of acquisition (549,529) (2,224,735) b. Financial assets held for trading (522,860) (3,335,070) c. Acceptance receivables (2,970,148) 454,808 d. Bills receivable (2,759,868) (1,311,522) e. Securities purchased under agreements to resell (6,712,029) (2,034,498) f. Loans receivable (52,854,462) (29,288,974) g. Consumer financing receivables (635,341) (1,066,291) h. Investments in finance leases - net (19,526) 14,322 i. Assets related to sharia transactions (817,728) (562,567) j. Other assets (2,500,050) 818,537 k. Deposits from customers 50,981,817 56,467,413 l. Sharia deposits 113,943 13,088 m. Deposits from other banks 857, ,889 n. Acceptance payables 1,613,329 (187,791) o. Accruals and other liabilities 2,136,940 1,638,789 p. Temporary syirkah deposits 510, ,601 Net cash provided by (used in) operating activities before income tax 15,437,314 49,154, Payment of income tax (5,778,687) (5,681,162) Net cash provided by (used in) operating activities 9,658,627 43,473,049 II. CASH FLOWS FROM INVESTING ACTIVITIES 1. Sale of investment securities 35,500 29, Acquisition of investment securities (90,070,128) (138,127,963) 3. Proceeds from investment securities that had matured during the year 70,914,740 82,343, Cash dividends received from investment in shares 1,025 1, Acquisition of a subsidiary's ownership from non-controlling interest (269,936) - 6. Acquisition of a subsidiary, net of cash and cash equivalents acquired Acquisitions of fixed assets (1,736,651) (2,728,366) 8. Proceeds from sale of fixed assets 505,430 80,123 Net cash provided by (used in) investing activities (20,620,020) (58,401,942) III. CASH FLOWS FROM FINANCING ACTIVITIES 1. Increase (decrease) in debt securities issued (1,721,672) (488,794) 2. Increase (decrease) in borrowings - net 252,050 1,045, Additional share capital payment of a subsidiary by non-controlling interest 30, Payments of cash dividens (5,177,553) (4,314,626) 5. Increase (decrease) in liabilities on securities sold under repurchase agreement (38,523) 96,146 Net cash provided by (used in) financing activities (6,655,698) (3,662,059) NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS (17,617,091) (18,590,952) CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR 100,319, ,661,241 EFFECT OF FOREIGN EXCHANGE RATE FLUCTUATIONS ON CASH AND CASH EQUIVALENTS 674, ,564 CASH AND CASH EQUIVALENTS, END OF YEAR 83,377, ,319,853 IV. CASH AND CASH EQUIVALENTS CONSIST OF : 1. Cash 16,754,289 15,943, Current accounts with Bank Indonesia 43,472,752 40,596, Current accounts with other banks 9,093,572 12,466, Placements with Bank Indonesia and other banks - mature within 3 months or less from the date of acquisition 14,056,826 31,313,116 Total cash and cash equivalents 83,377, ,319,853