Pt Bfi Finance Indonesia Tbk · IDX:BFIN
Pt Bfi Finance Indonesia Tbk — FY2025 Earnings Presentation
12 slides from Pt Bfi Finance Indonesia Tbk's earnings presentation, Mar 10, 2026
Slide 1: Investor Presentation
INVESTOR PRESENTATION PT BFI FINANCE INDONESIA TBK 10 March 2026
Slide 2: Key Financial Highlights
Key Financial Highlights Slower Growth Reflects Ongoing Weak Consumer Sentiment and Affordability • YoY bookings increased by 9.3% to Rp21,922 billion and QoQ bookings increased by 1.2% to Growth Rp5,547 billion • Total Managed Receivables grew 8.9% YoY and 1.1% QoQ, at Rp26,283 billion • NPF ratio
Slide 3: Balance Sheet Highlights
Balance Sheet Highlights Robust Balance Sheet Allows for Risk Absorption in Challenging Times In Rp bil * FY25 FY24 YoY ∆ 4Q25 3Q25 QoQ ∆ (unless otherwise stated) New Bookings** 21,922 20,054 9.3% 5,547 5,480 1.2% Managed Receivables^ 26,283 24,133 8.9% 26,283 25,992 1.1% Total Net Receivab
Slide 4: Balance Sheet Highlights: Quarterly Bookings Trend
Balance Sheet Highlights Gradual QoQ Recovery – Indonesia Auto Market Continues to Face Sluggish Demand and Lower Spending Quarterly Bookings (excl Pinjam Modal) Trend (2021-2025) 6.354 6.317 5.835 5.912 5.480 5.547 5.198 5.130 4.983 4.626 4.783 4.425 4.306 4.104 3.983 4.155 3.895 3.137 3.196 2.921
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) FY24 vs FY25 FY24 vs FY25 2% 2% 1% 0% 3% 3% 4% 4% 6% 5% 15% 14% 15% 15% 11% 12% 7% 8% 52% 53% 50% 55% 1
Slide 6: Profit & Loss Highlights
Profit & Loss Highlights Healthy Bottomline Amid Challenging Market – QoQ Growth is Strong In Rp bil * FY25 FY24 YoY ∆ 4Q25 3Q25 QoQ ∆ (unless otherwise stated) Interest Income 4,690 4,335 8.2% 1,202 1,183 1.7% Financing Cost 939 931 1.0% 226 239 5.2% Net Interest Income 3,751 3,404 10.2%
Slide 7: Key Ratios
Key Ratios Improve on overall QoQ performance FY25 FY24 YoY ∆ 4Q25 3Q25 QoQ ∆ Net Interest Spread 11.7% 11.9% 19 bps 12.0% 11.6% 36 bps Cost to Income 44.2% 46.4% 214 bps 48.1% 42.9% 520 bps CoC / Avg. Rec. 4.3% 3.4% 88 bps 3.5% 4.5% 95 bps ROAA (after tax) 6.3% 6.5% 21 bps 6.6% 6.4%
Slide 8: Strong Balance Sheet Quality
Strong Balance Sheet Quality NPF Trend Consistently Below Industry NPF Trend Write-Off Trend 2021-2025 2021-2025 4,0% 4,5% 3,9% 4,0% 3,5% 4,0% 3,5% 3,5% 3,3% 3,0% 3,0% 2,5% 3,0% 2,5% 2,6% 2,0% 1,8% 2,4% 2,0% 2,3% 1,25% 1,36% 1,39% 1,5% 1,25% 1,5% 1,00% 1,0% 1,0% 0,5% 0,5% 0,8% 0,0% 0,0% 2021 2022 20
Slide 9: Historical Financials
Historical Financials Proven Track Record – Consistently outperforming the Industry PAT (Rp bil) Track Record ROA vs Industry ROE vs Industry 2021-2025 2021-2025 2021-2025 1.807 21,9% 1.644 1.565 1.581 17,7% 9,6% 16,2% 15,7% 12,2% 8,4% 8,0% 15,0% 14,8% 1.131 7,9% 13,8% 14,4% 12,9% 5,0% 11,4% 5,7% 5,
Slide 10: Strong Capital Base
Strong Capital Base Funding sources still dominated by bank borrowings Source of Funding External Funding Sources 2021-2025 2025 JF 17% 8.756 9.500 10.182 10.653 7.429 494 103 1.223 2.817 Borrowings 1.581 45 2.936 IDR 48% 4.721 3.226 2.487 Bonds 20% 10.247 10.823 Borrowings USD 8.666 10.370 15% 4.78
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% 40 outlets 25 outlets Sulawesi and East Indonesia 46 outlets 15% Java & Bali 64% 193 outlets * Consists of 191 branches, 113 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 — FY2025 Earnings Presentation on 6ix