Positioning for Better Growth

Corporate Presentation Positioning for Better Growth Analysts Meeting Jan Dec 2017 Results PT Bank Central Asia Tbk Jakarta, 8 th March 2018

Table of contents page Macroeconomic Environment Macroeconomic environment 4 Banking sector highlights December 2017 5 Performance Overview BCA key financial highlights 7 Seasonal increase at year-end loan demand 8 Strong mortgage performance 9 Maintaining solid loan loss coverage 10 A leading transaction banking business 11 Solid funding franchise 12 Lower net interest margin 13 Sustained profitability 14 Quality growth through enhanced relationship 15 page Financial Review Balance sheet summary 17 Income statement summary 18 Financial ratios 19 Diversified earning assets composition 20 Breakdown of earning assets yield 21 Balanced loan portfolio 22 Moderate consumer loan growth 23 Diversified industry concentration 24 NPL maintained at a low level 25 Active management of third party funds 26 Cost efficiency ratio 27 Appendix Government bonds profile 30 BCA maintains 8 subsidiaries in 6 business lines 31 BCA credit ratings 32 BCA share performance 33 BCA awards 34 2

Agenda Macroeconomic Environment Performance Overview Financial Review 3

Macroeconomic environment Indonesian economic growth 5.07% in 2017, up slightly from 5.03% in 2016 Modest domestic consumption growth Improvement in commodity prices and positive trade balance Ongoing infrastructure projects Low annual inflation of 3.6% in 2017 Rupiah stability in 2017 Bank Indonesia s easing monetary policy After several rate cuts, BI 7-day reverse repo rate stays at 4.25% since Sep-17 Inflation and BI Rates (%) 20% 16% 12% 8% 4% 18.38 12.75 8.75 8.33 Inflation 14.55 10.75 9.00 6.59 5.27 5.77 12.14 9.50 7.92 BI Rate (12-month term structure) 7.75 6.50 6.75 3.43 2.78 5.80 4.61 3.56 8.61 8.36 7.50 7.75 7.50 7.00 5.75 7.50 6.00 5.30 5.57 4.37 5.26 3.61 4.30 3.99 3.35 3.18 2.79 0% Jul-05 Oct-06 Jan-08 Apr-09 Jul-10 Oct-11 Jan-13 Apr-14 Jul-15 Oct-16 Feb-18 Source: Central Bureau of Statistics (BPS) and Bank Indonesia Rupiah/USD 15,000 13,000 11,000 9,000 10,775 9,450 8,703 8,690 11,050 12,650 12,100 10,501 9,378 9,125 8,464 11,649 9,868 12,240 11,293 11,764 14,693 14,016 13,383 13,762 12,984 13,012 7,000 Jul-05 Feb-07 Sep-08 Apr-10 Nov-11 Feb-13 Apr-14 Jun-15 Oct-16 Mar-18 Source: Bloomberg 4

Banking sector highlights December 2017 Banking sector performance off the bottom Banking Sector Financial Summary (Rp trillion) Dec-15 Dec-16 Dec-17 YOY Change Total sector loans of Rp4,738tn (+8.2% / Rp361 tn YoY) Total sector third party funds grew Rp452tn (+9.3% YoY) to Rp5,289tn Total Assets 6,129 6,730 7,387 9.8% Total Loans 4,058 4,377 4,738 8.2% Third Party Funds 4,413 4,837 5,289 9.3% Current Accounts 987 1,124 1,233 9.7% Savings 1,396 1,552 1,701 9.6% CAR stood at 23.2% and LDR at 90.0% Time Deposits 2,030 2,161 2,355 9.0% NPL ratio improved to 2.6%, enabling banks to record lower loan loss provisions Profitability grew 23.1% YoY to Rp131.1tn Net Profit 104.6 106.5 131.1 23.1% NIM 5.4% 5.6% 5.3% -30bp LDR * 92.1% 90.7% 90.0% -70bp NPL 2.5% 2.9% 2.6% -30bp CAR 21.4% 22.9% 23.2% 30bp Source: Bank Indonesia / Financial Services Authority (OJK) * LFR data is not available 5

Agenda Macroeconomic Environment Performance Overview Financial Review 6

BCA key financial highlights Outstanding loans grew Rp51.6tn or 12.4% YoY to Rp467.5tn Gross NPL ratio steady at 1.5% Third party funds increased Rp51.0tn or 9.6% YoY to Rp581.1tn CASA grew Rp35.5tn or 8.7% YoY to Rp443.7tn Time deposits increased Rp15.5tn or 12.7% YoY to Rp137.4tn Net profit grew 13.1% YoY to Rp23.3tn CAR stood at 23.1% and LFR at 78.2% (Rp billion) Dec-15 Dec-16 Dec-17 YOY Change Total Assets 594,373 676,739 750,320 10.9% Outstanding Loans 387,643 415,896 467,509 12.4% Third Party Funds 473,666 530,134 581,116 9.6% Net Interest Income 35,892 40,215 41,858 4.1% Non Interest Income 11,988 13,568 15,126 11.5% Operating Expenses (21,718) (23,383) (25,192) 7.7% Profit before Provisions & Tax 26,162 30,400 31,792 4.6% Pre-Tax Profit 22,657 25,839 29,159 12.8% Net Profit 18,019 20,606 23,310 13.1% EPS year to date Rp731 Rp836 Rp945 13.0% (Bank only) Dec-15 Dec-16 Dec-17 YOY Change ROA 3.8% 4.0% 3.9% -10bp ROE 21.9% 20.5% 19.2% -130bp NIM 6.7% 6.8% 6.2% -60bp LFR 81.1% 77.1% 78.2% 110bp NPL 0.7% 1.3% 1.5% 20bp CAR (credit and market risk) 21.5% 25.6% 27.1% 150bp CAR (credit, market and operational risk) 18.7% 21.9% 23.1% 120bp 7

Seasonal increase at year-end loan demand Loans (Rp billion) 12.3% YoY (bank only) loan growth Stronger corporate loan growth, higher demand at year-end 364,846 346,563 347,101 335,576 387,643 387,042 386,112 373,732 415,896 408,693 433,258 439,657 467,509 Various promotional events on consumer loan products contributed to total loan growth Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Commercial & SME loans, supported by seasonal demand in December December 2017 loan utilization rate of 71.3% lower than 72.4% in December 2016 Loans Breakdown (Bank only, Rp billion) Dec-15 Dec-16 Dec-17 YoY Change Corporate 141,261 154,872 177,277 14.5% Commercial & SME* 146,237 151,852 167,487 10.3% Consumer* 100,510 109,555 122,856 12.1% Total Outstanding 388,008 416,279 467,620 12.3% Total Facilities** 526,930 575,057 655,682 14.0% * In December 2017 BCA reclassified from mortgage (consumer loans) to commercial & SME loans Rp5.4tn of commercial property loan for business purpose ** Including uncommitted facilities of Rp32.9tn in Dec-15, Rp38.6tn in Dec-16 and Rp48.3tn in Dec-17 8

Strong mortgage performance Competitive mortgage products enhance BCA s strategic position In Feb 2018, launched Fix and Cap product with historic low interest rate (2-year 5.61% p.a fixed rate + 3-year adjustable rate capped at 6.61% p.a.) Mortgages remain a mainstay of BCA s consumer loan portfolio Total Mortgage Portfolio (Bank only, Rp trillion) * 65.1 63.9 61.7 62.2 59.4 59.9 58.0 71.7 +14.2% YoY 73.9 73.0 Mortgage NPL ratio of 1.0% In December 2017 BCA reclassified from mortgage (consumer loans) to commercial & SME loans Rp5.4tn of commercial property loan for business purpose Mortgage Portfolio (Bank only) Dec-15 Dec-16 Dec-17 Number of Customers Accounts 95,549 97,856 99,184 Total Outstanding (Rp billion) 59,415 63,959 73,026 Average Loan Outstanding (Rp million) 622 654 736 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 * For comparison purpose, the above mortgage data excluded the value of commercial property loan for business purpose totaled to Rp1.0tn in Mar-17, Rp3.6tn in Jun-17, Rp4.9tn in Sep-17 9

2,801 4,029 5,241 5,622 5,452 6,025 6,373 9,026 6,729 6,945 9,469 10,113 11,300 12,505 12,250 12,511 12,842 13,243 Maintaining solid loan loss coverage Loan Quality (Bank only, Rp billion) Active monitoring of loan portfolio Nominal NPL increased Rp1.5tn, still within risk appetite limits NPL ratio stood at 1.5% in December 2017 NPL remained flat on QoQ Loan loss reserves up 5.9% YoY to Rp13.2tn in December 2017 Dec-15 Dec-16 Dec-17 Current 378,930 404,385 453,953 Special Mention 6,277 6,442 6,722 Performing Loans 385,207 410,827 460,675 Substandard 298 535 1,987 Doubtful 979 523 686 Loss 1,524 4,394 4,272 NPL 2,801 5,452 6,945 Total Loans 388,008 416,279 467,620 NPL Ratio - gross 0.7% 1.3% 1.5% NPL Ratio - net 0.2% 0.3% 0.4% NPL and Loan Provision (Bank only, Rp billion) 322.2% 235.0% 193.0% 201.0% 229.4% 203.3% 196.3% 190.8% 190.7% Provision/NPL coverage of 190.7% Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 NPL Loan Provision Loan Provision/NPL 10

A leading transaction banking business BCA s 17 million interconnected customer accounts benefit from the Bank s growing and multi-channel transaction banking platform Supported by 1,235 branches, 17,658 ATMs (of which 4,887 units are CRM) and more than 470,000 EDC s nationwide. 97% of transactions are digital. In-branch transactions account for 57% of transactions by value High cost in-branch transactions down due to growing digital transactions Branch Banking Number of Transactions (million) Transaction Value (Rp trillion) 14,494.5 14,610.7 14,130.8 ATM Number of Transactions (million) Transaction Value (Rp trillion) 1,847.4 2,024.0 2,178.2 174.2 169.7 159.6 1,782.3 1,839.9 1,910.9 Dec-15 Dec-16 Dec-17 Dec-15 Dec-16 Dec-17 Mobile Banking Internet Banking Number of Transactions (million) Transaction Value (Rp trillion) 722.4 970.5 Number of Transactions (million) Transaction Value (Rp trillion) 5,934.9 6,801.4 7,693.8 555.8 591.5 786.2 1,161.4 1,400.3 1,704.6 2,040.4 Dec-15 Dec-16 Dec-17 Dec-15 Dec-16 Dec-17 11

Solid funding franchise Strong liquidity with secondary reserves totaling Rp63.6tn or 10.9% of third party funds Loan to Funding Ratio stood at 78.2%, compared to 77.1% in the previous year Total third party funds of Rp581.1tn rose 9.6% or Rp51.0tn YoY CASA (Current & Savings Accounts) grew 8.7% YoY to Rp443.7tn Third Party Funds (Rp billion) 572,247 574,387 581,115 530,134 535,145 493,075 145,292 146,390 137,449 121,929 129,725 107,636 126,215 137,853 137,126 148,654 144,716 151,250 259,224 270,352 268,294 278,301 283,281 292,416 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Savings Accounts Current Accounts Time Deposits Third Party Funds (as of 31 December 2017) CASA ratio 76.3% Time Deposits grew 12.7% YoY to Rp137.4tn attributable to a significant increase in first half of 2017 Lower time deposit rates in second half of 2017 reduced total balances Savings Accounts 50.3% Current Accounts 26.0% Time Deposits 23.7% Rp581,115 billion 12

Lower net interest margin NIM stabilized in the last quarter, but declined by 60bps YoY Lower cost of funds offset lower earning asset yield in 2H17 NIM, Yield and Cost of Funds (Bank only) 16% 12.67 12% Yield 10.66 9.10 9.78 9.93 8.29 8.03 7.79 8.71 8.63 8.48 7.37 7.12 7.49 7.87 8% 5.28 6.09 6.40 5.29 5.68 5.90 6.18 6.53 6.72 6.81 6.19 4% 5.76 NIM CoF 3.94 4.05 3.64 3.55 2.95 2.57 1.77 1.95 2.61 2.31 1.97 2.02 0% NIM (ytd,%, Bank only) Interest Rate* 16% 6.88 6.81 6.32 6.26 6.19 6.19 8.58 8.48 8.12 8.05 7.98 7.87 1.98 1.97 2.05 2.07 2.09 2.02 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 12% 8% 4% 0% 7.43 5.50 3.75 13.00 12.74 9.50 5.00 Savings 11.24 Rupiah Current Accounts 1M SBI / BI Term Deposits 8.25 8.50 6.80 6.00 6.25 5.75 1M Rupiah Time Deposits 4.00 5.50 3.25 2.50 3.00 3.50 3.76 2.20 9.25 1.90 8.00 6.40 6.75 5.90 5.25 1.70 6.00 4.59 4.00 2.15 1.55 Earning Assets Yield Cost of Funds NIM * Maximum interest rate offered 13

Sustained profitability Combined Net Interest Income and Non Interest Income grew 6.0% YoY to Rp57.0tn Net Interest Income increased 4.1% YoY to Rp41.9tn while Non Interest Income grew 11.5% YoY to Rp15.1tn Bank-only Cost Efficiency Ratio of 44.4% Consolidated Net Profit up 13.1% YoY to Rp23.3tn Profitability (Rp billion) 53,783 56,984 41,858 40,215 30,400 31,792 20,606 23,310 13,568 15,126 Dec-16 Dec-17 Net Interest Income Profit before Provisions and Tax Non Interest Income Net Profit Non Interest Income (Rp billion) 15,126 13,568 4,738 4,164 Bank-only Net Profit up 12.2% YoY to Rp22.2tn Non recurring income from a property sale of Rp468bn 9,404 10,388 Dec-16 Dec-17 MTM & Trading Gains, Forex and Others Fees and Commissions 14

Quality growth through enhanced relationship Growth Expand transaction banking presence Promote a well balanced and diversified loan portfolio Strengthen subsidiaries businesses Deepen customer relationships Growth Quality Maintain and enhance the quality of: Loan portfolio Banking operations Products and services Efficiency Growth Optimize existing human resources, infrastructure and logistics Automate, simplify operational and administration procedures Continue developing digital solutions 15

Agenda Macroeconomic Environment Performance Overview Financial Review 16

Balance sheet summary (Rp billion) Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 YOY Change Total Assets 660,145 676,739 689,596 738,199 739,883 750,320 10.9% Secondary Reserves gross 79,030 60,320 80,862 77,625 95,651 63,617 5.5% SBI & Other Placement in BI 73,386 51,441 74,180 67,659 87,536 54,011 5.0% Placement with other Banks 5,644 8,879 6,682 9,966 8,115 9,606 8.2% Loans 386,112 415,896 408,693 433,258 439,657 467,509 12.4% Government Bonds 71,363 66,585 68,592 64,890 65,042 70,621 6.1% Marketable Securities 24,633 29,303 28,802 31,261 32,207 37,819 29.1% Impairment on financial assets (12,765) (13,915) (13,860) (14,276) (14,535) (14,634) 5.2% Third Party Funds 493,075 530,134 535,145 572,247 574,387 581,115 9.6% Savings 259,224 270,352 268,294 278,301 283,281 292,416 8.2% Current Accounts 126,215 137,853 137,126 148,654 144,716 151,250 9.7% Time Deposits 107,636 121,929 129,725 145,292 146,390 137,449 12.7% Equity (Bank only) 107,492 110,190 115,580 118,458 124,992 127,964 16.1% Tier 1 103,226 105,542 111,050 113,599 120,082 122,730 16.3% Tier 2 4,266 4,648 4,530 4,859 4,910 5,234 12.6% Exchange Rate Rp/USD 13,051 13,473 13,326 13,328 13,472 13,568 0.7% * Including SBI categorized as securities sold under repurchase agreement 17 *

Income statement summary (Rp billion) 1Q-17 2Q-17 3Q-17 4Q-17 FY-16 FY-17 YOY Change Net Interest Income 10,072 10,300 10,600 10,886 40,215 41,858 4.1% Non Interest Income 3,432 3,617 3,702 4,375 13,568 15,126 11.5% Fees and commissions 2,379 2,556 2,632 2,821 9,404 10,388 10.5% Gain on spot & derivative (realized) net 232 325 91 121 1,853 769-58.5% Mark to market on financial assets net 13 12 94 187 (161) 306 NA Gain on sale of financial assets net 194 114 262 127 518 697 34.6% Others 614 610 623 1,119 1,954 2,966 51.8% Operational Expenses (6,988) (6,259) (5,540) (6,405) (23,383) (25,192) 7.7% Personnel Expenses (4,034) (2,830) (2,110) (2,063) (10,387) (11,037) 6.3% Other Expenses (2,954) (3,429) (3,430) (4,342) (12,996) (14,155) 8.9% Profit before Provisions and Tax 6,516 7,658 8,762 8,856 30,400 31,792 4.6% Provision (248) (688) (893) (804) (4,561) (2,633) -42.3% Pre-Tax Profit 6,268 6,970 7,869 8,052 25,839 29,159 12.8% Income Tax (1,279) (1,421) (1,556) (1,582) (5,207) (5,838) 12.1% Net Profit 4,990 5,545 6,307 6,468 20,606 23,310 13.1% 18

Financial ratios (Bank only, %) Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 ROA 4.0 4.0 3.5 3.7 3.8 3.9 ROE 20.9 20.5 17.1 18.3 19.1 19.2 NIM 6.9 6.8 6.3 6.3 6.2 6.2 CAR (credit and market risk) 25.2 25.6 27.7 26.2 28.0 27.1 CAR (credit, market and operational risk) 21.5 21.9 23.1 22.1 23.6 23.1 LFR 77.3 77.1 75.1 74.5 74.7 78.2 Cost Efficiency Ratio* 44.3 43.9 52.8 48.6 45.0 44.4 Cost to Income Ratio (BOPO)** 61.3 60.4 65.2 61.8 59.9 58.6 NPL Ratio - gross 1.5 1.3 1.5 1.5 1.5 1.5 NPL Ratio - net 0.4 0.3 0.4 0.4 0.4 0.4 Provision/NPL 201.0 229.4 203.3 196.3 190.8 190.7 NOP 0.4 0.2 0.2 0.6 0.2 0.5 19 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 EPS year to date (Rp)*** 614 836 202 427 683 945 Book Value/Share (Rp) 4,426 4,560 4,791 4,892 5,164 5,326 * Cost Efficiency Ratio = operational expenses to net interest income and non interest income ** Cost to Income Ratio (BOPO) = all expenses (operating expenses included interest expenses and provision for assets losses) to all revenues (operational income included interest income and reversal of provision for assets losses) *** Based on consolidated financial statement

Diversified earning assets composition Interest Income Contribution 100% 2.6% 2.8% 3.5% 3.4% 3.5% 3.6% 90% 80% 70% 60% 84.0% 83.5% 81.3% 81.6% 81.2% 81.0% 50% 40% 30% 20% Earning Assets Composition (as of 31 December 2017) Loans & Consumer Financing 71.5% Secondary Reserves 9.5% Rp672,235 billion Government Bonds 10.5% Marketable Securities & Others 8.5% Government Bonds and Loans Profile (as of 31 December 2017) Fixed Rate 29.4% 10% 0% 6.0% 6.7% 8.7% 8.6% 8.3% 8.4% 7.4% 7.0% 6.5% 6.4% 7.0% 7.0% Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Marketable Securities & Others Loans & Consumer Financing Government Bonds Secondary Reserves Variable Rate 70.6% 20

Breakdown of earning assets yield Dec-15 Dec-16 Dec-17 Bank Only Balance (Rp billion) Yield (%) Balance (Rp billion) Yield (%) Balance (Rp billion) Yield (%) Secondary Reserves 65,433 4.99% 58,561 4.59% 61,741 (+5.4% YoY) 4.48% Marketable Securities 14,790 5.52% 28,521 5.28% 36,426 (+27.7% YoY) Loans 388,008 10.47% 416,279 10.19% 467,620 (+12.3% YoY) Government Bonds 29,758 6.26% 66,050 6.60% 69,945 (+5.9% YoY) 5.17% 9.38% 6.80% 21

Balanced loan portfolio Loan Portfolio (Bank only, Rp billion) * Consumer Commercial & SME Corporate 439,884 433,606 416,279 408,910 386,246 27.9% 28.1% 26.3% 27.1% 27.6% 36.5% 35.0% 35.2% 35.6% 37.9% 467,620 26.3% 35.8% Loans Breakdown (Bank only, Rp billion) Dec-15 Dec-16 Dec-17 Outstanding Loans by Currency (as of 31 December 2017) YoY Change Corporate 141,261 154,872 177,277 14.5% Commercial & SME* 146,237 151,852 167,487 10.3% Consumer* 100,510 109,555 122,856 12.1% Total Outstanding 388,008 416,279 467,620 12.3% Total Facilities** 526,930 575,057 655,682 14.0% * In December 2017 BCA reclassified from mortgage (consumer loans) to commercial & SME loans Rp5.4tn of commercial property loan for business purpose ** Including uncommitted facilities of Rp32.9tn in Dec-15, Rp38.6tn in Dec-16 and Rp48.3tn in Dec-17 34.5% 37.2% 37.3% 37.1% 36.7% 37.9% IDR 93.9% Forex 6.1% Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 22

Moderate consumer loan growth Consumer Loans (Bank only, Rp billion) Credit Cards Vehicles Mortgage # 120,956 106,430 109,555 110,639 9.2% 9.1% 9.8% 9.5% 31.5% 32.5% 31.8% 31.7% 123,381 122,856 8.9% 9.4% 31.2% 31.2% Consumer Loans (Bank only + vehicle loans booked by BCA Subsidiaries, Rp billion) Dec-15 Dec-16 Dec-17 YoY Change Mortgage 59,415 63,959 73,026 14.2% Vehicles * 31,612 34,817 38,302 10.0% Credit Cards 9,483 10,779 11,528 6.9% Total 100,510 109,555 122,856 12.1% 58.4% 58.4% 58.8% 59.2% 59.9% 59.4% Vehicle loans booked by BCA Finance & 7,694 8,507 8,885 4.4% CS Finance ** Grand Total 108,204 118,062 131,741 11.6% Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 # For comparison purpose, the above mortgage data excluded the value of commercial property loan for business purpose * Including 2 wheeler financing of Rp4.3tn in Dec-15, Rp3.9tn in Dec-16 and Rp2.6tn in Dec-17 ** Including 2 wheeler financing of Rp2.1tn in Dec-15, Rp1.8tn in Dec-16 and Rp1.8tn in Dec-17 23

Diversified industry concentration Top Ten Industry Sectors in Corporate, Commercial and SME Sectors Dec-15 Dec-16 Dec-17 1. Distributor, Wholesaler and Retailer 6.1% 7.3% 9.0% 2. Plantation and Agriculture 6.7% 6.9% 7.1% 3. Building Material and Other Construction Related 7.1% 7.3% 6.4% 4. Automotive and Transportation 6.1% 5.6% 5.7% 5. Financial Services 2.1% 4.0% 5.5% 6. Properties and Construction 4.6% 4.9% 5.2% 7. Food and Beverages 4.9% 5.2% 4.7% 8. Textile and Garment 4.7% 4.6% 4.4% 9. Chemicals and Plastics 6.1% 5.4% 4.1% 10. Transportation and Logistics 5.3% 4.9% 4.0% Total 53.7% 56.1% 56.1% 24

NPL maintained at a low level NPL by Loan Segments (bank only, %) NPL by Consumer Loans (bank only, %) Dec-15 Dec-16 Dec-17 Dec-15 Dec-16 Dec-17 3.5% 3.8% 3.0% 0.3% 0.8% 1.4% 1.1% 2.1% 1.8% 1.0% 0.7% 0.8% 0.4% 0.7% 1.0% 0.7% 0.6% 0.6% 1.8% 1.9% 1.9% Corporate Commercial & SME Consumer Mortgage 2 Wheeler 4 Wheeler Credit Card 25

259,224 270,352 268,294 278,301 283,281 292,416 126,251 137,880 137,155 148,707 144,755 151,288 107,640 121,933 129,730 145,302 146,435 137,479 Active management of third party funds Third Party Funds & Cost of Funds (Bank only, Rp billion) Interest Rate Adjustments* 1.98% 1.97% 2.05% 2.07% 2.09% 2.02% 14.0% 13.00 10.0% 8.0% 6.0% 4.0% 2.0% 1 Month Rupiah Time Deposits 9.50 9.25 8.50 8.50 8.00 7.50 7.00 7.00 6.50 6.75 6.25 6.25 5.00 6.00 5.50 5.75 5.75 4.75 4.50 5.25 4.00 Savings 4.00 3.50 3.00 Rupiah Current Accounts 3.50 2.50 2.25 2.20 1.90 1.70 6.00 4.00 2.15 1.55 12.0% 12.00 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Time Deposits Current Accounts Savings Accounts Cost of Funds 0.0% * Maximum interest rate offered 26

Cost efficiency ratio Quarterly Operating Income & Expense (Rp billion) and YTD Cost Efficiency Ratio (%) 44.3% 43.9% 52.8% 48.6% 45.0% 44.4% Operating Income Operating Expense 13,545 14,110 13,504 13,917 14,302 15,261 YTD Cost Efficiency Ratio (Bank only) 5,462 5,848 6,988 6,259 5,540 6,405 3Q-16 4Q-16 1Q-17 2Q-17 3Q-17 4Q-17 Quarterly Breakdown of Operating Expenses (Rp billion) Personnel Expenses Other Expenses 3,472 1,990 2,106 3,742 4,034 2,954 2,830 3,429 3,430 2,110 2,063 4,342 3Q-16 4Q-16 1Q-17 2Q-17 3Q-17 4Q-17 27

Thank you

Appendix 29

Government bonds profile Government Bond Maturity (Bank only, Rp billion) Nominal Value as of 31 December 2017 24,745 14,259 16,718 Fixed Rate [Rp 68,240 billion (99.9%)] Variable Rate [Rp 100 billion (0.1%)] 10,536 100 1,652 - - - 195 - - 51-2 - 1-8 - 0 - - 4-50 - 0 - - 6-4 - 9 - Maturity 2018 2019 2020 2021 2022 2023 2024 2025 2027 2028 2031 2032 2033 2036 2038 2047 2048 (Rp bn) 2018 2019 2020 2021 2022 2023 2024 2025 2027 2028 2031 2032 2033 2036 2038 2048 2048 Total Trading 156 16 42-9 41 10 2 1 8-4 50-6 4 9 358 Available for Sale 15,525 12,881 8,201 7,327 176 1,611 - - - - - - - - - - - 45,721 Investment 9,164 1,362 8,475 3,209 10-41 - - - - - - - - - - 22,261 Total 24,845 14,259 16,718 10,536 195 1,652 51 2 1 8-4 50-6 4 9 68,340 30

BCA maintains 8 subsidiaries in 6 business lines Business lines Subsidiaries Business overview Vehicle Financing Insurance Securities Sharia Banking Remittance Venture Capital (acquired: 2001) (established: 2010) (acquired: 2010) (established: 2013) (acquired: 2011) (acquired: 2009) (acquired: 1996) (established: 2017) One of the largest 4-wheeler financing companies in Indonesia Offering attractive products with competitive interest rates through a joint financing scheme with BCA Maintaining a quality loan portfolio through prudent lending policies and by focusing on financing popular car models Multi-finance company engaged in 2-wheeler financing through joint financing with BCA Enhancing the risk management infrastructure and pursuing prudent marketing strategies Expanding general insurance presence by offering insurance products to BCA s consumer finance customers Setting up a solid base for providing life insurance products to BCA s diversified customer base Building a solid securities business by focusing on wholesale underwriting and retail brokerage Leader in the fixed income underwriting market Offering Sharia banking products to a growing market Became a BUKU II category Sharia bank in 2015 Enhancing cross-border remittance business BCA s trade finance representative in Hong Kong A venture capital company that invests in and collaborates with fin-tech companies as well as support companies in the financial industry that will enhance the overall financial service ecosystem of BCA and its subsidiaries 31

BCA credit ratings Fitch Ratings Moody s Published on April 2017 Published on January 2018 Description Rating Description Rating Outlook Stable Outlook Positive Local long term rating AAA (idn) Bank Deposits Baa3 / P-3 Baseline Credit Assessment baa3 Issuer default long term rating BBB- Adjusted Baseline Credit Assessment baa3 Issuer default short term rating F3 Counterparty Risk Assessment Baa2(cr) / P-2(cr) Support rating 3 Issuer Rating Baa3 32

BCA share performance BCA Shareholding Structure (as of 31 December 2017) Number of Shares Ownership Percentage PT Dwimuria Investama Andalan * 13,545,990,000 54.94% Anthoni Salim 434,079,976 1.76% BCA Share Performance vs IDX (28 December 2007 to 6 March 2017) BCA 28,000 24,000 20,000 16,000 12,000 8,000 4,000 BCA IDX (RHS) IDX 8,000 7,000 6,000 5,000 4,000 3,000 2,000 1,000 Public ** 10,674,940,024 43.30% Total 24,655,010,000 100.00% Note: * Shareholder of PT Dwimuria Investama Andalan are Mr. Robert Budi Hartono and Mr. Bambang Hartono, therefore ultimate shareholder 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. - - Jan-08 Jan-09 Jan-10 Jan-11 Feb-12 Feb-13 Feb-14 Feb-15 Feb-16 Mar-17 Mar-18 Relative Performance 635% BCA IDX 535% 435% 335% 235% 135% 35% -65% Jan-08 Jan-09 Jan-10 Jan-11 Feb-12 Feb-13 Feb-14 Feb-15 Feb-16 Mar-17 Mar-18 33

BCA winning awards - 2017 AsiaMoney AsiaMoney Bank Indonesia Asian Banking & Finance Bisnis Indonesia Net Promoter Customer Loyalty Award 2017 Best Managed Company in Indonesia - Large Cap Overall Best Sales Service for Local Currency Commodity Derivatives IDR Overall Best Local Currency Interest Rates Research & Market Coverage IDR Overall Best Pricing for Local Currency Commodity Derivatives IDR The Asiamoney Awards 2017 Best Brand for Banking in Indonesia Best Domestic Bank in Indonesia Bank Indonesia Awards 2017 BCA The Best Bank in Reporting BCA The Best Supporting Bank in Financial Market BCA The Best Supporting Bank in LMKM for Categories BUKU 3 & BUKU 4 BCA Best SKNBI Participants Retail Banking Awards 2017 BCA Indonesia Digital Banking Initiative of the Year Bisnis Indonesia Award 2017 The Best Issuer for Category Commercial Private Bank Jahja Setiaatmadja Best CEO Euromoney FinanceAsia FinanceAsia Forbes Frontier Consulting Group & Marketing Magazine Euromoney Awards for Excellence 2017 The Best Bank in Indonesia FinanceAsia Country Awards for Achievement 2017 Best Asian Bank Best Bank in Indonesia Asia s Best Companies 2017 (Indonesia) Best Investor Relations (2 nd place) Best at Corporate Social Responsibility (4 th place) Best Managed Companies (6 th place) Most Committed to Corporate Governance (6 th place) Global 2000 Awards BCA One of the World s Biggest Public Companies of 2017 Top Brand Award 2017 BCA Received Awards for Categories: Deposit Account Credit Card Prepaid Card Flazz Internet Banking KlikBCA Mobile Banking m-bca Saving Account Tahapan BCA Call Center HaloBCA 34

BCA winning awards - 2017 Frontier Consulting Group Infobank Infobank Magazine Investor Magazine Investor Magazine & Berita Satu Media Holding Corporate Image Award 2017 BCA The Best in Building and Managing Corporate Image for the category National Bank with Assets > Rp250 trillion Infobank Digital Brand Awards 2017 The Best Digital Brand 2012-2016 for Categories Conventional Bank: Debit Card & Time Deposits Digital Brand for Categories Conventional Bank: Wealth Management, Debit Card, Credit Card, Savings & Time Deposits Infobank Awards 2017 Bank with Excellent Financial Performance from 2002-2016 Referensi Investasi Award 2017 BCA The Best Issuer in Banking Sector Investor Best Bank 2017 The Best Bank in Indonesia for Category Commercial Bank with asset > Rp 100 trillion JCB Marketeers Markplus.Inc Markplus Inc. & Nikkei BP Consulting Inc. MillwardBrown & WPP JCB Awards of Appreciation 2017 BCA The Best Acquiring Bank Partner of the Year 2016 in Indonesia Indonesia Top Performance in ASEAN Award 2017 Indonesia WOW Brand Award 2017 Gold Champion Category Saving Account, Mobile Banking, Call Center, Internet Banking & ATM Silver Champion Category Mortgage, Credit Card, e- Money Top 3 Most Powerful Financial Institution in Indonesia 2017 BrandZ Top 50 Most Valuable Indonesian Brands 2017 BCA recognized as the Most Valuable Indonesian Brand 35

BCA winning awards - 2017 Public Relation Indonesia Magazine Service Excellence Magazine & Carre CCSL Service Excellence Magazine & Carre CCSL Service Excellence Magazine & Carre CCSL SWA Magazine and Hachiko Net Promoter Public Relation Indonesia Award 2017 BCA Main Winner for Categories Media Relation Service Quality Award 2017 Priority Banking Regular Banking Corporate Banking Gold Credit Card Silver Credit Card Platinum Credit Card Excellent Service Experience Award 2017 BCA Excellent for the Categories Regular Banking Contact Center Service Excellence Award 2017 Excellent Award: Halo BCA Twitter Customer Service Halo BCA Facebook Customer Service Exceptional Award: Halo BCA Categories: Regular Banking, Priority Banking, Credit Card, Customer Service Email Center & Platinum Credit Card Good Service Performance: Bank BCA for Banking Category KlikBCA in Delivering Positive Customer Engagement Net Promoter Customer Loyalty Award 2017 NPS Leader for: Credit Card, Mortgage, Mobile Banking and Internet Banking NPS Good for: Savings Accounts SWA Magazine & MARS SWA Magazine, Brand Finance & WIR Global SWA Network Tempo Media Group & Indonesia Banking School The Asian Banker Indonesia Best Brand Award 2017 Indonesian Best Brand Award for 10 Consecutive Years for Tahapan BCA & Kartu Kredit BCA Indonesia s Most Valueable Brands 2017 Strongest Brand in Indonesia 2017 Most Value able Indonesia Brands (5 th Place) SWA 100: Indonesia s Best Wealth Creators 2017 Indonesia Best Public Companies (1 st Place) Category Banks Indonesia Best Overall Public Companies (4 th Place) ASEAN Best Public Companies (2 nd Place) Category Banks ASEAN Best Overall Public Companies (9 th Place) Indonesia Banking Award 2017 Best Bank in Retail Banking Services Best Bank in Digital Services Most Reliable Bank Most Efficient Bank Diversity of the Board Strongest Bank by Balance Sheet in Indonesia 2017 BCA Main Winner for Categories Media Relation 36

BCA winning awards - 2017 Properti Indonesia Magazine Property & Bank Magazine Metro TV Indonesia Institute for Corporate Directorship (IICD) & Investor Magazine Properti Indonesia Award 2017 The Innovative in Property Loan Services Indonesia Property & Bank Award 2017 Jahja Setiaatmadja CEO of the year BCA The Best in Building Corporate Image & Digital Banking Indonesia Best Companies in Creating Leaders from Within 2017 BCA Indonesia Best Companies in Creating Leaders from Within (rank 2 nd ) Economic Challenges Award 2017 The Innovative in Property Loan Services The 9 th IICD Corporate Governance Award & Conference Top 50 The Biggest Market Capitalization Public Listed Companies Best Disclosure & Transparency Ministry of Finance Indonesia Business News & ASIA business research center Asian Payment Network Investor Magazine SWA Magazine & IICG SUN Selling Agent for Retail Investors with the Best Performance in 2016 Best Retail Sukuk Selling Agent Series SR-009 in 2017 The Best Dealer with Best Performance of 2016 The Best SBSN Auctions Participants in 2017 Top Capital Market 2017 BCA: Top Issuer 2017 Top Stock 2017 APN CEOs Forum Jahja Setiaatmadja in Recognition for your Invaluable experience sharing on Embracing The New Era of Tech Social Innovation Indonesian Financial Figures 2017 Jahja Setiaatmadja Top National Banker 2017 Indonesia Trusted Companies Award 2017 Indonesia Most Trusted Companies Award, Category: Most Trusted. Based on Corporate Governance Perception Index (CGPI) 37

BCA winning awards - 2017 Forbes & Statista Inc JCB Contact Center World Contact Center World Contact Center World Forbes 2017 Global 2000 Top Regarded Companies Rank 40 Top Regarded Companies Rank 123 World s Best Employers JCB Award of Appreciation BCA The Best Acquiring Bank Partner of the Year 2016 in Indonesia CCW Asia Pacific - Individual Gold: WFM Support, IT Support, Supervisor, Trainer Silver: Analyst, Sales Manager, Sales Professional Bronze: CS Professional Runner Up: Quality Auditor, HR Support CCW Global London Gold: Best Contact Center, Help Desk, Customer Service, Analyst, CC Support Pro WFM, CC Support Pro IT, CC Trainer Silver: Best Incentive Scheme, Use of Social Media, Recruitment Campaign, Green Contact Center, Customer Loyalty Program, Outbound Campaign, CC Sales Pro Bronze: Best Outsourcing Partnership, CC Supervisor CCW Asia Pacific - Corporate Gold: Social Media, Recruitment Campaign, Helpdesk, Best in Customer Service, Mega Contact Center Silver: Incentive Scheme, Outsourcing Partnership, Green Contact Center, Outbound Campaign, Customer Loyalty Bronze: Sales Campaign, Self Service Technology, Technology Innovation, Community Spirit Runner Up: Direct Response Indonesia Central Securities Depository The Asian Banker The Asian Banker Warta Ekonomi Magazine Warta Ekonomi Magazine 20 th Innovate for the Nation Investor Fund Account Administrator (RDN) Bank with The Largest Number of Clients Issuer with The Highest Value of Scripless Securities Indonesia Country Awards Programme for Retail Financial Services Mortgage and Home Loans Product of the Year (Fix & Cap) Best Smart Branch Project The International Excellence in Retail Financial Services Award 2017 BCA Best Retail Bank in Indonesia Indonesia Most Admired CEO 2017 Jahja Setiaatmadja Top 5 Most Admired CEO in Bank Sector Indonesia Best Banking Brand Award 2017 Top 5 Best Consumer Choice Private Foreign Exchange National Bank Good Financial Performance Category: Private Foreign Exchange National Bank 38

BCA winning awards - 2017 Warta Ekonomi Magazine Warta Ekonomi Magazine Warta Ekonomi Warta Ekonomi Magazine Indonesia Best Corporate Reputation Award 2017 Top 5 Most Reputable Companies in Banking Sector with Core Capital Above Rp30 Trillion Indonesia Digital Innovation Award for Banking 2017 BCA The Winner of Digital Innovation Award for Banking Bank BUKU 4 Social Business Innovation Award 2017 Social Business Innovation Award Category Bank The Best Green CEO Category Bank Indonesia Top Performing Mutual Fund & Consumer Choice Award 2017 BCA Best Perform in Custodian Bank Warta Ekonomi Magazine Warta Ekonomi Magazine Warta Ekonomi Magazine Indonesia Most Admired Company 2017 BCA Indonesia s Most Admired Company 2017 Top 10 - Indonesia Most Admired Company Netizen Choice 2017 Indonesia Most Innovative Business Award 2017 BCA The Winner of Indonesia Most Innovative Business Award 2017 Category Bank Indonesia Prestige Brand Award 2017 BCA Brand Used Most Often and The Highest Top of Mind Brand for Category National Private Bank 39