PT Bank Central Asia Tbk : Capital and Risk Exposure Publication Report as of June 30, 2023

KEY METRICS RATIO

Bank Name : PT Bank Central Asia Tbk (Consolidated)

Reporting Position : June 2023

No	Information

Available Capital (amounts)

• Common Equity Tier 1 (CET1)
  2 Tier 1
  3 Total Capital
  Risk-Weighted Assets (amounts)
  4 Total Risk-Weighted Assets (RWA)
  Risk-based Capital Ratios as a percentage of RWA
  5 CET1 Ratio (%)
  6 Tier 1 Ratio (%)
  7 Total Capital Ratio (%)
  Additional CET1 buffer requirements as a percentage of RWA
  8 Capital Conservation Buffer requirement (2.5% from RWA) (%) 9 Countercyclical Buffer Requirement (0 - 2.5% dari RWA) (%)

1. Bank G-SIB and/or D-SIB additional requirements (1% - 2.5%) (%)
2. Total of bank CET1 specific buffer requirements (%) (Row 8 + Row 9 + Row 10)
3. CET1 available after meeting the bank's minimum capital requirements (%) Basel III Leverage Ratio
4. Total Basel III leverage ratio exposure measure
5. Basel III leverage ratio (%) (including the impact of any applicable temporary exemption of central bank reserves)

14b Basel III leverage ratio (%) (excluding the impact of any applicable temporary exemption of central bank reserves)

14c Basel III leverage ratio (%) (including the impact of any applicable temporary exemption of central bank reserves) incorporating mean values for SFT assets

14d Basel III leverage ratio (%) (excluding the impact of any applicable temporary exemption of central bank reserves) incorporating mean values for SFT assets

Liquidity Coverage Ratio (LCR)

1. Total High-Quality Liquid Assets (HQLA)
2. Total net cash outflow
3. LCR Ratio (%)
   Net Stable Funding Ratio (NSFR)
4. Total Available Stable Funding
5. Total Required Stable Funding
6. NSFR Ratio (%)

				in million Rupiah
		Period of
30 June, 2023	31 March, 2023	31 December, 2022	30 September, 2022	30 June, 2022
216,297,199	202,438,836	212,445,689		195,096,147
216,297,199	202,438,836	212,445,689		195,096,147
224,525,609	210,487,682	220,568,562		203,014,784
761,795,133	726,769,197	821,723,312		781,575,602
28.39%	27.85%	25.85%	25.53%	24.96%
28.39%	27.85%	25.85%	25.53%	24.96%
29.47%	28.96%	26.84%	26.52%	25.98%
2.500%	2.500%	2.500%	2.500%	2.500%
0.000%	0.000%	0.000%	0.000%	0.000%
2.500%	2.500%	2.500%	2.500%	2.500%
5.000%	5.000%	5.000%	5.000%	5.000%
19.48%	18.97%	16.85%	16.53%	15.99%
1,504,824,901	1,461,320,982	1,444,791,022		1,375,921,698
14.37%	13.85%	14.70%	14.36%	14.18%
14.37%	13.85%	14.70%	14.36%	14.18%
14.28%	13.63%	14.52%	14.32%	13.42%
14.28%	13.63%	14.52%	14.32%	13.42%
526,298,684	533,403,171	531,204,418		533,837,452
138,297,854	134,403,721	132,200,557		132,898,925
380.55%	396.87%	401.82%	413.73%	401.69%
1,135,505,112	1,092,917,147	1,103,506,263		1,065,323,706
641,685,291	647,658,062	644,875,861		612,646,898
176.96%	168.75%	171.12%	173.90%	173.89%

Capital - Composition of Capital (CC1)

As of 30 June, 2023

No.Component

Directly issued qualifying common share (and equivalent for non-joint stock companies) capital

1. plus related stock surplus
2. Retained earnings
3. Accumulated other comprehensive income (and other reserves)
4. Directly issued capital subject to phase out from CET1 (only applicable to non-joint stock companies)
   Common share capital issued by subsidiaries and held by third parties (amount allowed in group
5. CET1)
6. Common Equity Tier 1 capital before regulatory adjustments

Common Equity Tier 1 capital: Regulatory Adjustments

1. Goodwill (net of related tax liability)
2. Other intangibles other than mortgage-servicing rights (net of related tax liability)
3. Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability)
4. Cash-flowhedge reserve
5. Shortfall on provisions to expected losses
6. Securitisation gain on sale (as set out in paragraph 562 of Basel II framework)
7. Gains and losses due to changes in own credit risk on fair valued liabilities
8. Defined-benefitpension fund net assets
9. Investments in own shares (if not already netted off paid-in capital on reported balance sheet)
10. Reciprocal cross-holdings in common equity
    Investments in the capital of Banking, financial and insurance entities that are outside the scope
11. of regulatory consolidation, net of eligible short positions, where the Bank does not own more than 10% of the issued share capital (amount above 10% threshold)
    Significant investments in the common stock of Banking, financial and insurance entities that
12. are outside the scope of regulatory consolidation, net of eligible short positions (amount above 10% threshold)
13. Mortgage servicing rights (amount above 10% threshold)
14. Deferred tax assets arising from temporary differences (amount above 10% threshold, net of related tax liability)
15. Amount exceeding the 15% threshold
16. significant investments in the common stock of financials
17. mortgage servicing rights
18. deferred tax assets arising from temporary differences
19. National specific regulatory adjustments
20. 1. Difference between allowance for possible losses and allowance for impairment losses on earning assets
    2. Allowance for losses on non productive assets required to be provided
    3. Deferred tax aset
    4. Investments in shares of stock
    5. Shortage of capital on insurance subsidiary company
    6. Securitisation Exposure
    7. Other deduction factor of common equity tier 1

27 Regulatory adjustments applied to Common Equity Tier 1 due to insufficient Additional Tier 1 and Tier 2 to cover deductions

28.

29. Common Equity Tier 1 capital (CET1)

Additional Tier 1 capital: instruments

1. Directly issued qualifying Additional Tier 1 instruments plus related stock surplus
2. classified as equity under applicable accounting standards
3. classified as liabilities under applicable accounting standards
4. Directly issued capital instruments subject to phase out from Additional Tier 1
   Additional Tier 1 instruments (and CET1 instruments not included in row 5) issued by
5. subsidiaries and held by third parties (amount allowed in group AT1)
6. Instruments issued by subsidiaries subject to phase out
7. Additional Tier 1 capital before regulatory adjustments

Additional Tier 1 capital: regulatory adjustments

37.

1. Reciprocal cross-holdings in Additional Tier 1 instruments
   Investments in the capital of Banking, financial and insurance entities that are outside the scope
2. of regulatory consolidation, net of eligible short positions, where the Bank does not own more than 10% of the issued common share capital of the entity (amount above 10% threshold)
3. Significant investments in the capital of Banking, financial and insurance entities that are outside the scope of regulatory consolidation (net of eligible short positions)
4. National specific regulatory adjustments
5. 1. Investments in Instruments issued by the other bank that meet the criteria for inclusion in additional tier 1
6. Regulatorydeductions adjustments applied to Additional Tier 1 due to insufficient Tier 2 to cover
7. Total regulatory adjustments to Additional Tier 1 capital
8. Additional Tier 1 capital (AT1)

45.

	(in million Rupiah)
Amount (in million	Reference from
Rupiah)	Consolidated
Consolidated	Statements of
Financial Position

7,252,306 f

203,519,273 i

16,518,531 h N/A

-

227,290,110

-

(1,113,614) a

(359,786) c

N/A

N/A

N/A

• k
• j

N/A

N/A

N/A

N/A

N/A

• b

N/A

N/A

N/A

N/A

-

(1,844,199)

(6,573,486) d

(1,101,826)

-

-

-

-

(10,992,911)

216,297,199

• g
• e

N/A

-

N/A

-

N/A

N/A

N/A

-

-

-

-

-

216,297,199

Tier 2 capital: instruments and provisions

1. Directly issued qualifying Tier 2 instruments plus related stock surplus
2. Directly issued capital instruments subject to phase out from Tier 2
3. Tier 2 instruments (and CET1 and AT1 instruments not included in rows 5 or 34) issued by subsidiaries and held by third parties (amount allowed in group Tier 2)
4. instruments issued by subsidiaries subject to phase out
5. General allowance for losses on earning assets that must be calculated with a maximum of 1.25% of RWA for Credit Risk
6. Tier 2 capital before regulatory adjustments
7. Investments in own Tier 2 instruments
8. Reciprocal cross-holdings in Tier 2 instruments and other TLAC liabilities
   Investments in the other TLAC liabilities of banking, financial and insurance entities that are outside the scope of regulatory consolidation and where the bank does not own more than 10%
9. of the issued common share capital of the entity: amount previously designated for the 5% threshold but that no longer meets the conditions (for G-SIBs only)

246,250

N/A

-

N/A

7,982,160

8,228,410

N/A

N/A

N/A

55.	Significant investments in the capital banking, financial and insurance entities that are outside	N/A
the scope of regulatory consolidation (net of eligible short positions)

56. National specific regulatory adjustments

1. Sinking fund
2. Investments in Instruments issued by the other bank that meet the criteria for inclusion in additional tier 2

-

-

-

57.		-
58.	Tier 2 capital (T2)	8,228,410
59.	Total capital (TC = T1 + T2)	224,525,609
60.	Total risk weighted assets	761,795,133
61.	Common Equity Tier 1 (as a percentage of risk weighted assets)	28.39%
62.	Tier 1 (as a percentage of risk weighted assets)	28.39%
63.		29.47%
	Institution specific buffer requirement (minimum CET1 requirement plus capital conservation
64.	buffer plus countercyclical buffer requirements plus G-SIB buffer requirement, expressed as a	5.000%
	percentage of risk weighted assets)
65.	capital conservation buffer requirement	2.500%
66.	Bank specific countercyclical buffer requirement	0.000%
67.	higher loss absorbency requirement	2.500%
68.	Common Equity Tier 1 available to meet buffers (as a percentage of risk weighted assets)	19.48%
	National minimal (if different from Basel 3)
70.	National Tier 1 minimum ratio (if different from Basel 3 minimum)	N/A
71.	National total capital minimum ratio (if different from Basel 3 minimum)	N/A
	Amounts below the thresholds for deduction (before risk weighting)

1. Non-significantinvestments in the capital and other TLAC liabilities of other financial entities
2. Significant investments in the common stock of financial entities
3. Mortgage servicing rights (net of related tax liability)
4. Deferred tax assets arising from temporary differences (net of related tax liability) Applicable caps on the inclusion of provisions in Tier 2
5. Provisions eligible for inclusion in Tier 2 in respect of exposures subject to standardised approach (prior to application of cap)
6. Cap on inclusion of provisions in Tier 2 under standardised approach
   Provisions eligible for inclusion in Tier 2 in respect of exposures subject to internal ratings-based
7. approach (prior to application of cap)
8. Cap for inclusion of provisions in Tier 2 under internal ratings-based approach

Capital instruments subject to phase-out arrangements (only applicable between 1 Jan 2018

and 1 Jan 2022)

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

80.		N/A
81.	Amount excluded from CET1 due to cap (excess over cap after redemptions and maturities)	N/A
82.	Current cap on AT1 instruments subject to phase out arrangements	N/A
83.	Amount excluded from AT1 due to cap (excess over cap after redemptions and maturities)	N/A
84.	Current cap on T2 instruments subject to phase out arrangements	N/A
85.	Amount excluded from T2 due to cap (excess over cap after redemptions and maturities)	N/A

Capital - Reconciliation of Capital (CC2)

No.ACCOUNTS

ASSETS

1. Cash
2. Placement to Bank Indonesia
3. Interbank placement
4. Spot and derivative/forward receivables
   5 Securities

1. Securities sold under repurchase agreement(repo)
2. Claims on securities bought under reverse repo
3. Acceptance receivables
4. Loans and financing

1. Sharia financing
2. Equity investment
3. Other financial assets
4. Impairment on financial assets -/-
5. 1. Securities
   2. Loans and Sharia financing
   3. Others
6. Intangible assets

Goodwill

Mortgage servicing rights

Other intangibles (excluding Mortgage servicing rights)

Accumulated amortization on intangible asset -/-

Goodwill

Mortgage servicing rights

Other intangibles (excluding Mortgage servicing rights)

1. Fixed assets and equipment
   Accumulated depreciation on fixed assets and equipment -/-
2. Non productive asset
3. 1. Abandoned property
   2. Foreclosed accounts
   3. Suspense accounts
   4. Interbranch assets
4. Other assets

Deferred tax assets

TOTAL ASSETS

	(in million Rupiah)
PUBLISHED STATEMENTS	CONSOLIDATED
STATEMENTS OF
OF FINANCIAL POSITION
FINANCIAL POSITION
AS OF 30 June, 2023	UNDER	No.
	REGULATORY	Reference
CONSOLIDATED	SCOPE OF
CONSOLIDATION AS
	OF 30 June, 2023
18,463,789	18,463,722
120,589,139	120,589,139
18,528,531	17,119,521
103,584	103,584
295,144,873	292,306,280
252,814	252,814
130,369,491	130,369,491
13,239,179	13,239,179
727,916,545	727,915,618
7,882,355	7,882,355
939,646	2,037,044
16,824,026	16,125,366
(36,198,216)	(36,198,216)
(137,116)	(137,116)
(35,623,317)	(35,623,317)
(437,783)	(437,783)
3,928,733	3,886,135
1,158,201	1,157,121	a
-	-	b
2,770,532	2,729,014	c
(2,435,163)	(2,412,736)
(43,512)	(43,508)	a
-	-	b
(2,391,651)	(2,369,228)	c
36,543,732	36,398,566
(11,203,593)	(11,104,676)
1,969,245	1,969,245
63,315	63,315
1,859,841	1,859,841
9,962	9,962
36,127	36,127
13,898,692	13,594,345
6,671,559	6,573,486	d
1,356,757,402	1,352,536,776

	PUBLISHED STATEMENTS	CONSOLIDATED
	STATEMENTS OF
	OF FINANCIAL POSITION
	FINANCIAL POSITION
	AS OF 30 June, 2023	UNDER	No.
No.	ACCOUNTS
REGULATORY	Reference
	CONSOLIDATED	SCOPE OF
	CONSOLIDATION AS
		OF 30 June, 2023

LIABILITIES AND EQUITIES

LIABILITIES

1. Current account
2. Saving account
3. Time deposit
4. Electronic money
5. Liabilities to Bank Indonesia
6. Interbank liabilities
7. Spot and derivative/forward liabilities
8. Liabilities on securities sold under repurchase agreement
9. Acceptance liabilities

1. Issued securities
2. Loans/financing received Recognized in AT 1 Not recognized in capital
3. Margin deposit
4. Interbranch liabilities
5. Other liabilities
6. Non-controllinginterest
   TOTAL LIABILITIES

EQUITIES

1. Paid in capital
2. 1. Capital
      a.1. amount eligible for CET 1 a.2. amount eligible for AT 1
   2. Unpaid capital -/-
      b.1. amount eligible for CET 1 b.2. amount eligible for AT 1
   3. Treasury stock -/-
      c.1. amount eligible for CET 1 c.2. amount eligible for AT 1
3. Additional paid in capital
4. 1. Agio
   2. Disagio -/-
   3. Fund for paid up capital
   4. Others
5. Other comprehensive gain/(loss)
6. 1. Gains
      a.1. Translation of financial statements in foreign currency
      a.2. Unrealized gain on financial assets measured through other comprehensive income a.3. Revaluation surplus of fixed assets
      a.4. Others
   2. Losses -/-
      b.1. Actuarial Losses
7. Reserves
8. 1. General reserves
   2. Appropriated reserves
9. Gain/loss
10. 1. Previous years
       a.1. Gain/Loss previous years
       a.2. Gain/Loss due to changes in own credit risk on fair valued liabilities a.3. Securitisation gain on sale
    2. Current Year
       b.1. Gain/Loss current year
       b.2. Gain/Loss due to changes in own credit risk on fair valued liabilities b.3. Securitisation gain on sale
    3. Dividen paid -/-
       TOTAL EQUITIES

TOTAL LIABILITIES AND EQUITIES

328,879,023	328,911,380
535,849,035	535,849,035
206,509,292	206,667,752
1,163,578	1,163,578
577	577
10,587,681	10,587,681
200,994	200,994
218,155	218,155
7,178,104	7,178,104
500,000	500,000
1,772,972	1,772,972
-	-	e
1,772,972	1,772,972
212,576	212,576
5,728	5,728
38,908,430	35,270,634
172,645	101,994
1,132,158,790	1,128,641,160
1,540,938	1,540,938
11,500,000	11,500,000
11,500,000	11,500,000	f
-	-	g
(9,959,062)	(9,959,062)
(9,959,062)	(9,959,062)	f
-	-	g
-	-
-	-	f
-	-	g
5,548,977	5,618,537
5,711,368	5,711,368	f
-	-	f
-	-	f
(162,391)	(92,831)
10,012,852	9,982,719
13,315,647	13,285,767
404,165	404,165	h
2,197,752	2,168,115	h
10,712,345	10,712,102	h
1,385	1,385
(3,302,795)	(3,303,048)
(3,302,795)	(3,303,048)
3,234,149	3,234,149	h
3,234,149	3,234,149
-	-
204,261,696	203,519,273
201,028,248	200,404,273
201,028,248	200,404,273	i
-	-	j
-	-	k
24,190,206	24,071,758
24,190,206	24,071,758	i
-	-	j
-	-	k
(20,956,758)	(20,956,758)	i
224,598,612	223,895,616
1,356,757,402	1,352,536,776