Pt Bfi Finance Indonesia Tbk · IDX:BFIN
Pt Bfi Finance Indonesia Tbk — Q1 2026 Earnings Presentation
12 slides from Pt Bfi Finance Indonesia Tbk's earnings presentation, Apr 30, 2026
Slide 1: Investor Presentation
INVESTOR PRESENTATION PT BFI FINANCE INDONESIA TBK 30 April 2026
Slide 2: Key Financial Highlights
Key Financial Highlights Slower Growth Reflects Ongoing Global Tension and Soft Consumer Sentiment • Bookings stable QoQ and declined 6.5% YoY Rp5,529 billion Growth • Total Managed Receivables grew 5.5% YoY and 1.9% QoQ, at Rp26,795 billion • NPF ratio at 1.57% in Mar-26, higher by 28 bps YoY and 1
Slide 3: Balance Sheet Highlights
Balance Sheet Highlights Robust Balance Sheet Allows for Risk Absorption in Challenging Times In Rp bil * 1Q26 1Q25 YoY ∆ 1Q26 4Q25 QoQ ∆ (unless otherwise stated) New Bookings** 5,529 5,912 6.5% 5,529 5,547 0.3% Managed Receivables^ 26,795 25,406 5.5% 26,795 26,283 1.9% Total Net Receivable
Slide 4: Balance Sheet Highlights: Quarterly Bookings Trend
Balance Sheet Highlights Muted growth – Ongoing Macro Risks and Soft Consumer Sentiments Quarterly Bookings (excl Pinjam Modal) Trend (1Q22-1Q26) 6,354 6,317 5,835 5,912 5,480 5,547 5,529 5,198 5,130 4,983 4,626 4,783 4,425 4,306 4,104 3,983 4,155 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q
Slide 5: Product Breakdown
Product Breakdown NDF Remains our Core Product and We Continue to Maintain Market Leadership in this Category Breakdown of Bookings (excl Pinjam Modal) Breakdown of Receivables (incl Pinjam Modal) 1Q25 vs 1Q26 1Q25 vs 1Q26 2% 2% 1% 0% 3% 3% 3% 3% 6% 12% 5% 16% 15% 15% 11% 13% 7% 8% 59% 49% 53% 50% 1
Slide 6: Profit & Loss Highlights
Profit & Loss Highlights Tighter Underwriting and Active Provisioning Prioritized Over Short Term Profitability In Rp bil * 1Q26 1Q25 YoY ∆ 1Q26 4Q25 QoQ ∆ (unless otherwise stated) Interest Income 1,201 1,142 5.2% 1,201 1,202 0.1% Financing Cost 219 233 6.0% 219 226 3.2% Net Interest Income
Slide 7: Key Ratios
Key Ratios Margins Temporarily Softer But Rigorous Risk Management is in Place 1Q26 1Q25 YoY ∆ 1Q26 4Q25 QoQ ∆ Net Interest Spread 11.9% 11.8% 17 bps 11.9% 12.0% 4 bps Cost to Income 42.2% 42.7% 53 bps 42.2% 48.1% 599 bps CoC / Avg. Rec. 5.7% 4.4% 134 bps 5.7% 3.5% 221 bps ROAA (after ta
Slide 8: Strong Balance Sheet Quality
Strong Balance Sheet Quality NPF Trend Still Consistently Below Industry NPF Trend Write-Off Trend 2022-1Q26 2022-1Q26 3.0% 4.5% 3.9% 4.0% 2.5% 3.6% 3.3% 3.5% 3.5% 2.0% 3.0% 3.0% 2.9% 1.57% 2.5% 1.36% 1.39% 2.6% 1.5% 1.25% 2.4% 2.0% 1.8% 1.00% 1.0% 1.5% 1.0% 0.5% 0.5% 0.8 % 0.0% 0.0% 2022 2023 2024
Slide 9: Historical Financials
Historical Financials Proven Track Record – Consistently outperforming the Industry PAT (Rp bil) Track Record ROA vs Industry ROE vs Industry 2022-1Q26 2022-1Q26 2022-1Q26 1,807 21.9% 12.2% 1,644 1,565 1,581 17.7% 15.7% 7.9% 14.8% 8.0% 14.4% 15.0% 13.8% 13.0% 7.0% 8.4% 10.7% 5.7% 5.6% 4.2% 5.0% 354
Slide 10: Strong Capital Base
Strong Capital Base Funding sources still dominated by bank borrowings Source of Funding External Funding Sources 2022-1Q26 1Q26 JF 9,500 10,182 10,653 10,953 19% 8,756 103 494 1,223 2,817 3,068 1,581 Borrowings IDR 4,721 2,936 50% 3,226 2,971 Bonds 18% 10,247 10,823 Borrowings USD 8,666 10,370 10,1
Slide 11: Distribution Network
Distribution Network Multichannel Selling Strategy with Extensive Branch and Non-Branch Touchpoints Across the Archipelago 349 Outlets* Sumatera 8% Kalimantan 13% 25 outlets 40 outlets Sulawesi and East Indonesia 46 outlets 15% 64% Java & Bali 192 outlets * Consists of 191 branches, 112 kiosks and P
Slide 12: Thank You
BEI FINANCE Thank You BFI Finance berizin dan diawasi oleh Otoritas Jasa Keuangan #SelaluAdaJalan
PT BFI Finance Indonesia — Q1 2026 Earnings Presentation on 6ix