Pt Bank Neo Commerce Tbk · IDX:BBYB
Pt Bank Neo Commerce Tbk — Q2 2026 Earnings Presentation
21 slides from Pt Bank Neo Commerce Tbk's earnings presentation, Aug 6, 2026
Slide 1: Investor Presentation 2Q2026
Investor Presentation 2Q2026 6 August 2026
Slide 2: Disclaimer
Disclaimer This following presentation has been prepared by PT Bank Neo Commerce, Tbk. (the “Company” or “BNC” ) solely for selected recipients for information purposes only and does not constitute a recommendation regarding any securities of the Company. Information contained in this document is be
Slide 3: BNC Key Highlights
BNC Key Highlights Strong Profitability Net Profit grew by 15% QoQ, driven by lower CoF and higher fee-based income Healthy Asset Quality NPL gross ratio reduced by 16bps QoQ, maintained at healthy level of 2.99% Stable Funding Base with Ample Liquidity Position LDR remains below 60% followed with L
Slide 4: Financial Snapshot – Balance Sheet
Financial Snapshot – Balance Sheet Equity growth supported by strong performance of the Bank in IDR'tn 2Q25 3Q25 4Q25 1Q26 2Q26 QoQ YoY Cash & Short Term Money Market 1.6 2.3 3.1 3.6 2.8 (21.5%) 78.3% Marketable Securities a 7.7 8.0 8.2 7.2 6.8 (6.0%) (12.5%) Loans 8.1 7.5 7.2 7.0 7.1 1.5% (11.8%) T
Slide 5: Financial Snapshot – Profit & Loss
Financial Snapshot – Profit & Loss Strong profitability in 2Q26 as a result of loan growth, lower cost of fund and optimizing other source of revenue in IDR'bn 1Q26 2Q26 QoQ YTD Jun 25 YTD Jun 26 YoY Interest Income 739 739 0.1% 1,599 1,478 (7.6%) Interest Expense (192) (178) (7.3%) (391) (369) (5.6
Slide 6: Financial Snapshot – Financial Ratios
Financial Snapshot – Financial Ratios Strengthening capital and rentability ratios with sustained efficiency Key Ratios (YTD) Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 QoQ YoY NIM 15.2% 14.8% 14.4% 13.5% 13.9% 0.4% -1.3% BOPO 84.8% 82.8% 84.2% 83.7% 82.3% -1.4% -2.5% CIR 29.9% 31.6% 31.3% 32.9% 31.6% -1.3%
Slide 7: Loan Performance
Loan Performance Key focus remains targeting Consumer Loans YoY (11.8%) % YTD Jun'25 YTD Jun'26 YoY Total Loan Yield 32.3% 34.5% 2.2% 8.1 (in IDR’tn) 7.5 Consumer (AL) 63.2% 64.4% 1.3% 7.2 7.0 7.1 Corporate, Consumer (NON AL) 17.0% 23.2% 6.2% Multifinance, 2.6 1.9 1.5 1.3 1.3 Corporate, Multifinance
Slide 8: Asset Quality
Asset Quality Good asset quality with selective consumer loan growth NPL Coverage maintained >200% Continuous risk strategy review NPL Gross LAR 3.6% 13.1% 13.4% 13.0% 3.1% 3.1% 3.0% 10.8% 11.5% 2.9% NPL Coverage CoC (YTD annualized) 237.4% 224.6% 226.2% 16.8% 221.9% 16.3% 15.2% 16.1% 16.4% 200.3% N
Slide 9: Asset Quality – by Segment
Asset Quality – by Segment Asset quality remains robust LAR increased mainly due to one-off downgrade of a Risk remains well-controlled and within risk appetite commercial banking client – fully provided LAR 2Q25 3Q25 4Q25 1Q26 2Q26 NPL 2Q25 3Q25 4Q25 1Q26 2Q26 Total LAR - IDR Bn 877 861 941 944 927
Slide 10: Funding Performance
Funding Performance Ample liquidity with drive towards CASA Ample liquidity with room to boost loan growth and improve Total Third Party Fund* YoY CASA Ratio (in IDR’tn) (8.1%) LDR 13.7 14.1 13.4 13.5 60.6% 12.3 55.0% 58.0% 51.2% 52.4% Time 9.4 9.8 9.9 9.4 CASA Ratio Deposits 8.3 32.2% 30.1% 29.7% 3
Slide 11: Net Interest Income
Net Interest Income Lower Net Interest Income as a result of slower loan growth and excess liquidity NIM QoQ YoY YoY 33.4% 34.3% 34.6% 34.5% 31.7% 15.2% 13.9% Loan -15bp +278bp -129bp Yield* NII (IDR’bn) 5.83% 5.85% 5.79% 5.64% CoF* 5.43% 1,209 -21bp -41bp 1,109 -8% Treasury & Loan Balance (in IDR’t
Slide 12: Non-Interest Income
Non-Interest Income The focus on wealth management and transactional capabilities comes to deliver results QoQ YoY 18.7% 17.8% 17.7% 19.2% Non-Interest YoY Non-Interest 16.7% +148bp +251bp Income (in IDR’bn) Income/NII 2Q25 3Q25 4Q25 1Q26 2Q26 203 205 +1% Funding & Digital Services (in IDR’bn) 63 62
Slide 13: Operational Costs
Operational Costs Operating with better efficiency and cost conscious QoQ YoY Operational Costs YoY (in IDR’bn) 31.6% 31.3% 32.9% 31.6% 29.9% CIR -132bp +166bp 422 419 -1% 25 28 Total Operational Costs (in IDR’bn) 239 182 212 11 205 212 207 -4bn -4bn 173 Marketing 15 14 14 83 21 Personnel 90 90 84 9
Slide 14: Capital & Liquidity Positions
Capital & Liquidity Positions Capacity for growth with sound Capital and Liquidity conditions Sound Capital Position Aiming to optimize LDR at 70-75% Comfortable HQLA position Deposits Liquid Assets Tier 1 Capital Marketable Securities Loan Reserve Requirement LDR RIM 12.3 1.3% 63% 50.6% 50.2% In ID
Slide 15: BNC Core Proposition
BNC Core Proposition Digital Account Neo WOW Regular Savings Neo Green Neo Wish NOW Savings Time Deposits Neo Business Mutual Wealth Lending Neo Loan BNPL* Bancassurance Gold Loan* Funds Management Corporate Banking Business Accounts Payroll Bills & Top Up Cash Management Payment Collection Bills &
Slide 16: Wealth Management
Wealth Management Growing Assets, Securing Futures Proposition Performance Roadmap Diverse Investment Choices Rapid Growth Broader Portfolio Mutual Fund AUM Now Neo Savings 374 Green Mutual Cryptocurrency* 297 WOW time Funds 116 Deposit 2024 2025 YTD Jun 2026 in (IDR ‘bn) Gold Digital Stocks** Neo W
Slide 17: BNC QRIS
BNC QRIS Accelerating Payments, Enabling Regional Expansion Proposition Performance Roadmap Faster Settlement Proven Growth Regional Expansion 307 267 CHINA JAPAN THAILAND 63 MALAYSIA Transactions settle SINGAPORE TIMES 3 Already live 2024 2025 YTD Jun 2026 INDONESIA Upcoming QRIS # of transactions
Slide 18: Neo Loan
Neo Loan Unlocking Credit, Powering Growth Proposition Performance Roadmap Instant Access Strong Growth Diversified Products Neo Loan 685 472 312 1,858 1,214 947 2024 2025 YTD Jun 2026 Loan Disbursement (IDR ‘bn) Loan Balance (IDR ‘bn) Fast loan approval in ~10 minutes, Loan disbursement and balance
Slide 19: Partnership
Partnership Various partnership through multiple services Merchant Payment Partner Channelling Fintech Partner 21
Slide 20: Strategic direction for 2026
Strategic direction for 2026 1 Optimize loan growth through new products and new partners while maintaining quality of portfolio. 2 Drive transactional and wealth management business to improve stickiness. 3 Developing AI financial assistance features for our clients to better manage cashflow and fi
Slide 21: Let’s Collaborate and Grow Together!
Let’s Collaborate and Grow Together!