PT Bank Negara Indonesia Persero Tbk : Quarterly Report I - 2026

INDIVIDUAL

CONSOLIDATED

MAR 31, 2026

(Unaudited)

DEC 31, 2025

(Audited)

MAR 31, 2026

(Unaudited)

DEC 31, 2025

(Audited)

1. Cash

11,531,619

13,257,078

11,602,746

13,352,065

2. Placements with Bank Indonesia

144,884,872

104,406,159

147,056,189

108,667,322

3. Placements with other banks

40,426,008

29,273,126

42,470,150

31,039,886

4. Spot and derivative/forward receivables

5,919,232

5,422,349

5,919,232

5,422,349

5. Securities

185,570,013

191,817,739

220,649,644

225,173,116

6. Securities sold under repurchase agreements (repo)

6,897,309

6,940,304

6,897,309

6,940,304

7. Receivables from securities purchased under resell agreements (reverse repo)

9,590,575

6,112,945

10,317,490

6,910,606

8. Acceptance receivables

16,396,958

19,559,625

16,406,189

19,582,746

9. Loans

903,339,746

883,013,377

919,319,826

899,530,691

10. Sharia financing

-

-

-

-

11. Equity investments

20,697,436

20,306,035

15,390,159

15,006,592

12. Other financial assets

17,131,247

15,629,282

17,265,294

15,762,592

13. Allowance of impairment losses on financial assets -/-

a. Securities

(53,657)

(44,176)

(53,662)

(44,181)

b. Loans

(35,816,452)

(35,090,063)

(36,609,810)

(35,860,626)

c. Others

(1,139,706)

(1,192,000)

(1,139,875)

(1,192,200)

14. Intangible assets

-

-

757,570

757,570

Accumulated amortization on intangible assets

-/-

-

-

(15,642)

(15,365)

15. Fixed assets and equipment

49,447,961

49,204,896

50,980,048

50,730,702

Accumulated depreciation on fixed assets and equipment

-/-

(19,502,656)

(18,907,776)

(20,257,509)

(19,618,067)

16. Non earning assets

a. Abandoned properties

2,278

2,428

2,278

2,428

b. Foreclosed assets

802,083

807,183

833,560

864,637

c. Suspense accounts

16,021

275

16,021

275

d. Interbranch assets

-

473,056

-

473,056

17. Other assets

15,384,243

15,341,904

18,917,864

18,487,338

18. Insurance & reinsurance contract assets

-

-

32,664

80,895

TOTAL ASSETS

1,371,525,130

1,306,333,746

1,426,757,735

1,362,054,731

LIABILITIES

1. Current accounts

441,496,314

433,720,089

446,881,788

439,498,864

2. Saving accounts

284,019,470

285,715,876

284,689,474

286,460,152

3. Time deposits

356,907,577

302,459,235

369,010,621

314,875,408

4. Electronic money

264,819

254,988

264,819

254,988

5. Liabilities to Bank Indonesia

336,038

290,873

336,038

290,873

6. Liabilities to other banks

12,429,890

11,382,812

12,464,558

11,399,595

7. Spot and derivative/forward liabilities

5,828,559

5,398,899

5,828,559

5,398,899

8. Liabilities on securities sold under repurchase agreements (repo)

10,289,153

7,251,381

10,289,153

7,251,381

9. Acceptances liabilities

1,998,462

2,301,384

2,007,693

2,324,505

10. Securities issued

24,700,804

32,686,013

24,595,184

32,593,178

11. Fund borrowings

37,200,896

35,529,430

40,355,295

38,912,702

12. Margin deposits received

676,330

577,803

679,999

583,981

13. Interbranch liabilities

1,755,671

-

1,755,671

-

14. Other liabilities

35,868,757

20,805,897

38,994,503

23,480,059

15. Insurance contract liabilities

-

-

22,682,489

22,381,021

16. Reinsurance contract liabilities

-

-

11,034

9,757

17. Minority Interest

-

-

6,787,150

6,866,224

TOTAL LIABILITIES

1,213,772,740

1,138,374,680

1,267,634,028

1,192,581,587

INDIVIDUAL

CONSOLIDATED

NO

ACCOUNTS

MAR 31, 2026

(Unaudited)

DEC 31, 2025

(Audited)

MAR 31, 2026

(Unaudited)

DEC 31, 2025

(Audited)

EQUITY

18.

Paid-in capital

8,979,807

9,054,807

8,979,807

9,054,807

a. Authorized capital

15,000,000

15,000,000

15,000,000

15,000,000

b. Unpaid-in capital -/-

(5,945,193)

(5,945,193)

(5,945,193)

(5,945,193)

c. Treasury stock -/-

(75,000)

-

(75,000)

-

19.

Additional paid-in capital

a. Agio

19,633,584

19,633,584

17,010,254

17,010,254

b. Disagio -/-

-

-

-

-

c. Capital fund

-

-

-

-

d. Others*)

349,167

349,167

349,167

349,167

20.

Other comprehensive income

a. Gains

15,654,524

19,033,259

15,667,627

19,204,088

b. Losses -/-

-

-

-

-

21.

Reserves

a. General reserves

2,778,412

2,778,412

2,778,412

2,778,412

b. Specific reserves

-

-

-

-

22.

Income/loss

a. Previous years

117,737,553

110,711,202

121,704,133

114,987,052

b. Current year

5,645,800

20,349,974

5,660,764

20,040,703

c. Paid dividend -/-

(13,026,457)

(13,951,339)

(13,026,457)

(13,951,339)

TOTAL EQUITY ATTRIBUTABLE TO OWNERS

157,752,390

167,959,066

159,123,707

169,473,144

TOTAL EQUITY

157,752,390

167,959,066

159,123,707

169,473,144

TOTAL LIABILITIES AND EQUITY

1,371,525,130

1,306,333,746

1,426,757,735

1,362,054,731

INDIVIDUAL

CONSOLIDATED

JAN 1, 2026

JAN 1, 2025

JAN 1, 2026

JAN 1, 2025

TO

TO

TO

TO

MAR 31, 2026

MAR 31, 2025

MAR 31, 2026

MAR 31, 2025

(Unaudited)

(Unaudited)

(Unaudited)

(Unaudited)

A.

Interest Income and Expenses

1.

Interest income

18,497,224

16,231,108

18,998,562

16,713,050

2.

Interest expenses

7,714,503

6,661,821

7,972,552

6,878,614

Net interest income (expenses)

10,782,721

9,569,287

11,026,010

9,834,436

3.

Premium income and investments return

-

-

-

-

4.

Claim expenses

-

-

309

506

Net premium income (claim expenses)

-

-

(309)

(506)

Net interest income (expenses) and net premium income (claim expenses)

10,782,721

9,569,287

11,025,701

9,833,930

5.

Insurance income

-

-

516,600

412,851

6.

Insurance expenses

-

-

410,731

360,456

Net insurance income (expenses)

-

-

105,869

52,395

7.

Investment return

-

-

145,832

281,887

8.

Net insurance finance income (expenses)

-

-

(135,619)

(197,212)

Net insurance and investment result

-

-

116,082

137,070

Net Total Operating Income (Expenses)

10,782,721

9,569,287

11,141,783

9,971,000

B.

Operating Income and Expenses Other than Interest

1.

Gain (loss) from increase (decrease) in fair value of financial assets

202,293

(19,839)

202,330

(18,489)

2.

Gain (loss) from decrease (increase) in fair value of financial liabilities

-

-

-

-

3.

Gain (loss) from sale of financial assets

700,857

576,769

704,855

581,597

4.

Gain (loss) from spot and derivative/forward (realised)

137,600

272,407

137,802

272,643

5.

Gain (loss) from investment under equity method

440,112

411,555

442,708

401,554

6.

Gain (loss) from foreign exchange translation

-

-

-

-

7.

Dividend income

-

-

-

-

8.

Commission/provision/fee and administrative

2,645,030

2,443,292

2,647,014

2,430,245

9.

Other income

1,330,119

1,256,141

1,525,511

1,412,842

10.

Impairment losses (reversal) on financial assets

1,951,891

1,508,943

2,014,463

1,592,502

11.

Losses related to operational risk

7,751

535

7,972

721

12.

Personnel expenses

3,548,619

3,055,016

3,763,792

3,256,937

13.

Promotion expenses

178,782

168,098

182,160

179,677

14.

Other expenses

3,724,988

3,300,605

3,928,703

3,469,688

Net Operating Income (Expenses) Other than Net Interest

(3,956,020)

(3,092,872)

(4,236,870)

(3,419,133)

OPERATING INCOME (EXPENSES)

6,826,701

6,476,415

6,904,913

6,551,867

NON OPERATING INCOME AND EXPENSES

1. Gain (loss) from sale of fixed assets and equipment

992

65

1,242

970

2. Other non operating income (expenses)

3,318

2,436

(21,497)

(34,070)

NON OPERATING PROFIT (LOSS)

4,310

2,501

(20,255)

(33,100)

CURRENT YEAR PROFIT (LOSS) BEFORE TAX

6,831,011

6,478,916

6,884,658

6,518,767

Income taxes

a. Estimated current year tax -/-

(234,441)

(792,296)

(255,941)

(794,595)

b. Deferred tax income (expenses)

(950,770)

(308,583)

(942,933)

(311,233)

CURRENT YEAR NET PROFIT (LOSS)

5,645,800

5,378,037

5,685,784

5,412,939

CURRENT YEAR MINORITY INTEREST PROFIT (LOSS)

-

-

25,020

32,466

INDIVIDUAL

CONSOLIDATED

JAN 1, 2026

JAN 1, 2025

JAN 1, 2026

JAN 1, 2025

TO

TO

TO

TO

MAR 31, 2026

MAR 31, 2025

MAR 31, 2026

MAR 31, 2025

(Unaudited)

(Unaudited)

(Unaudited)

(Unaudited)

1. Items that will not be reclassified to profit or loss

a. Gain (loss) from revaluation of properties

-

-

-

-

b. Gain (loss) from remeasurement on defined benefit plans

627,716

74,291

627,954

74,329

c. Others

-

-

-

-

2. Items that will be reclassified to profit or loss

a. Gain (loss) from translation of foreign currency financial statements

(23,316)

(8,058)

(23,265)

(7,122)

b. Gain (loss) from changes in fair value of financial assets debt instrument measured at

fair value through other comprehensive income

(3,355,419)

673,115

(3,617,526)

622,174

c. Others

-

-

-

-

OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX

(2,751,019)

739,348

(3,012,837)

689,381

TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR

2,894,781

6,117,385

2,672,947

6,102,320

Current Year Net Profit (Loss) Attributable to :

- OWNER OF COMPANY

5,645,800

5,378,037

5,660,764

5,380,473

- NON CONTROLLING INTEREST

25,020 32,466

TOTAL CURRENT YEAR NET PROFIT (LOSS)

5,645,800

5,378,037

5,685,784

5,412,939

Total Comprehensive Profit (Loss) For The Year Attributable to :

- OWNER OF COMPANY

2,894,781

6,117,385

2,752,020

6,097,879

- NON CONTROLLING INTEREST

(79,073) 4,441

TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR

2,894,781

6,117,385

2,672,947

6,102,320

PROFIT (LOSS) TRANSFER TO HEAD OFFICE

-

-

-

-

DIVIDEND

-

-

-

-

BASIC EARNINGS PER SHARE (in rupiah unit)

152 144

INDIVIDUAL

CONSOLIDATED

MAR 31, 2026

(Unaudited)

DEC 31, 2025

(Audited)

MAR 31, 2026

(Unaudited)

DEC 31, 2025

(Audited)

I. COMMITMENT RECEIVABLES

1. Undisbursed borrowings/financing facilities

-

-

-

-

2. Outstanding of foreign currency from spot and derivative/forward (purchased)

318,596,709

248,307,611

318,596,709

248,307,611

3. Others

158,853

156,123

158,853

156,123

II. COMMITMENT PAYABLES

1. Unused loan/financing facilities to debtors

a. Committed

2,333,842

2,339,156

5,151,618

5,578,648

b. Uncommitted

81,421,759

87,746,766

81,920,963

88,037,752

2. Outstanding irrevocable L/C

16,123,894

11,073,116

16,224,395

11,086,951

3. Outstanding of foreign currency from spot and derivative/forward (sold)

317,849,613

247,565,353

317,849,613

247,565,353

4. Others

158,853

156,123

158,853

156,123

III. CONTINGENT RECEIVABLES

1. Guarantees received

46,837,174

46,210,399

46,837,174

46,210,399

2. Others

640,640

633,540

640,640

633,540

IV. CONTINGENT PAYABLES

1. Guarantees issued

119,659,402

105,979,580

120,101,487

106,625,964

2. Others

4,612,097

4,447,674

4,615,052

4,449,289

INDIVIDUAL

MAR 31, 2026

(Unaudited)

MAR 31, 2025

(Unaudited)

1. Capital Adequacy Ratio (CAR)

18.53%

22.25%

2. Non performing earning assets and non earning assets to total earning assets and non earning assets

1.34%

1.43%

3. Non performing earning assets to total earning assets

1.29%

1.36%

4. Allowance of impairment on financial assets to total earning assets

3.07%

3.94%

5. Gross NPL

1.94%

1.96%

6. Net NPL

0.66%

0.71%

7. Return on Asset (ROA)

2.00%

2.40%

8. Return on Equity (ROE)

14.70%

14.69%

9. Net Interest Margin (NIM)

3.55%

3.94%

10. Operating Expenses to Operating Income

71.50%

69.41%

11. Cost to Income Ratio (CIR)

43.46%

43.48%

12. Loan to Deposit Ratio (LDR)

83.46%

93.15%

Compliance

1. a. Percentage Violation of Legal Lending Limit

I. Related parties

0.00%

0.00%

II. Non-related parties

0.00%

0.00%

b. Percentage Excess of Legal Lending Limit

I. Related parties

0.00%

0.00%

II. Non-related parties

0.00%

0.00%

2. Minimum Statutory Reserve Requirement

a. Minimum Statutory Reserve Requirement (Rupiah)

10.67%

5.51%

- Daily

0.00%

0.00%

- Average

10.67%

5.51%

b. Minimum Statutory Reserve Requirement (Foreign currencies)

4.01%

4.01%

- Daily

2.00%

2.00%

- Average

2.01%

2.01%

3. Net Open Position (Aggregate)

1.16%

0.94%

MAR 31, 2026

MAR 31, 2025

NO

CAPITAL COMPONENTS

Individual

(Unaudited)

Consolidated

(Unaudited)

Individual

(Unaudited)

Consolidated

(Unaudited)

I.

Tier 1 Capital

145,131,698

150,062,291

148,403,898

153,787,421

1. Common Equity Tier 1 (CET 1)

134,934,998

139,865,591

138,467,898

143,851,421

1.1 Paid in Capital (excluding treasury stock)

8,979,807

8,979,807

9,054,807

9,054,807

1.2 Reserve additional capital

148,062,040

148,404,260

154,741,653

155,516,209

1.2.1 Additional Factors

149,873,825

150,037,156

156,233,884

156,810,969

1.2.1.1 Other comprehensive income

16,646,723

16,692,474

16,646,723

16,692,474

1.2.1.1.1 Excess adjustment due to financial statement translation

-

-

-

-

1.2.1.1.2 Potential gain due to increases of fair value of financial asset through other comprehensive income

-

-

-

-

1.2.1.1.3 Fixed assets revaluation

16,646,723

16,692,474

16,646,723

16,692,474

1.2.1.2 Other disclosed reserves

133,227,102

133,344,682

139,587,161

140,118,495

1.2.1.2.1 Agio

19,633,584

17,010,254

19,633,584

17,010,254

1.2.1.2.2 General reserves

2,778,412

2,778,412

2,778,412

2,778,412

1.2.1.2.3 Previous years profit

105,169,306

107,926,086

111,797,128

114,977,801

1.2.1.2.4 Current year profit

5,645,800

5,629,930

5,378,037

5,352,028

1.2.1.2.5 Paid in capital fund

-

-

-

-

1.2.1.2.6 Others

-

-

-

-

1.2.2 Deduction Factors

(1,811,785)

(1,632,896)

(1,492,231)

(1,294,760)

1.2.2.1 Other comprehensive income

(992,199)

(807,442)

(858,840)

(634,017)

1.2.2.1.1 Negative adjustment due to financial statement translation

(148,757)

(147,611)

(105,290)

(104,120)

1.2.2.1.2 Potential losses due to impairment of fair value of financial asset through other comprehensive income

(843,442)

(659,831)

(753,550)

(529,897)

1.2.2.2 Other disclosed reserves

(819,586)

(825,454)

(633,391)

(660,743)

1.2.2.2.1 Disagio

-

-

-

-

1.2.2.2.2 Previous years losses

-

-

-

-

1.2.2.2.3 Current year loss

-

-

-

-

1.2.2.2.4 Negative differences between regulatory provision and allowance for impairment losses of earning assets

-

-

-

-

1.2.2.2.5 Negative differences on adjustment of fair value on financial instrument in the trading book

-

-

-

-

1.2.2.2.6 Regulatory provision on non earning assets

(819,586)

(825,454)

(633,391)

(660,743)

1.2.2.2.7 Others

-

-

-

-

1.3 Minority Interest

-

-

-

-

1.4 Deduction Factors of CET 1

(22,106,849)

(17,518,476)

(25,328,562)

(20,719,595)

1.4.1 Deferred tax

(1,532,405)

(1,635,378)

(6,332,044)

(6,413,314)

1.4.2 Goodwill

-

(727,786)

-

(727,786)

1.4.3 Other intangible assets

-

(14,142)

-

(15,251)

1.4.4 Equity investment

(20,574,444)

(15,141,170)

(18,996,518)

(13,563,244)

1.4.5 Shortfall on the capital of insurance subsidiary

-

-

-

-

1.4.6 Exposure of securitization

-

-

-

-

1.4.7 Other deduction factors of CET 1

-

-

-

-

1.4.7.1 Investment on AT 1 and/or Tier 2 Instrument in other bank

-

-

-

-

1.4.7.2 Cross-ownership in another entity acquired by the transition due to the law, a grant or grants will

-

-

-

-

1.4.7.3 Exposures that give rise to Credit Risk due to settlement failure (settlement risk) - Non Delivery Versus Payment

-

-

-

-

1.4.7.4 Exposures in Subsidiary Companies that carry out business activities based on sharia principles (if any)

-

-

-

-

MAR 31, 2026

MAR 31, 2025

Individual

(Unaudited)

Consolidated

(Unaudited)

Individual

(Unaudited)

Consolidated

(Unaudited)

2. Additional Tier 1 (AT 1)

10,196,700

10,196,700

9,936,000

9,936,000

2.1 Instrument which comply with AT 1 regulations

10,196,700

10,196,700

9,936,000

9,936,000

2.2 Agio/Disagio

-

-

-

-

2.3 Deduction factors of AT 1

-

-

-

-

2.3.1 Investment on AT 1 and/or Tier 2 Instrument in other bank

-

-

-

-

2.3.2 Cross-ownership in another entity acquired by the transition due to the law, a grant or grants will

-

-

-

-

II. Tier 2 Capital

9,771,083

9,982,183

9,871,199

10,076,179

1. Capital Instrument in the form of Stock or others which comply with Tier 2 regulations

-

-

1,656,000

1,656,000

2. Agio/Disagio

-

-

-

-

3. General provision of earning assets (maximum 1.25% of RWA for Credit Risk)

9,771,083

9,982,183

8,215,199

8,420,179

4. Deduction Factor of Tier 2 Capital

-

-

-

-

4.1 Sinking Fund

-

-

-

-

4.2 Investment on Tier 2 Instrument in other bank

-

-

-

-

4.3 Cross-ownership in another entity acquired by the transition due to the law, a grant or grants will

-

-

-

-

TOTAL CAPITAL

154,902,781

160,044,474

158,275,097

163,863,600

MAR 31, 2026

MAR 31, 2025

MAR 31, 2026

MAR 31, 2025

Individual

(Unaudited)

Consolidated

(Unaudited)

Individual

(Unaudited)

Consolidated

(Unaudited)

Individual

(Unaudited)

Consolidated

(Unaudited)

Individual

(Unaudited)

Consolidated

(Unaudited)

RISK WEIGHTED ASSET

CAPITAL ADEQUACY RATIO (CAR)

RISK WEIGHTED ASSET (RWA) FOR CREDIT RISK

781,686,611

798,574,625

657,215,905

673,614,339

CET 1 Ratio (%)

16.14%

16.38%

19.47%

19.70%

RISK WEIGHTED ASSET (RWA) FOR MARKET RISK

8,739,827

9,286,208

13,629,425

15,379,928

Tier 1 Ratio (%)

17.36%

17.57%

20.87%

21.06%

RISK WEIGHTED ASSET (RWA) FOR OPERATIONAL RISK

45,529,753

46,261,581

40,383,955

41,084,588

Tier 2 Ratio (%)

1.17%

1.17%

1.38%

1.38%

RISK WEIGHTED ASSET (RWA) TOTAL

835,956,191

854,122,414

711,229,285

730,078,855

CAR (%)

18.53%

18.74%

22.25%

22.44%

CAR BASED ON RISK PROFILE (%)

9.95%

9.95%

9.95%

9.95%

CET 1 Allocation for Buffer (%)

8.58%

8.79%

12.30%

12.49%

CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE

PERCENTAGE OF CAPITAL BUFFER (%)

From CET 1 (%)

7.56%

7.59%

7.17%

7.21%

Capital Conservation Buffer (%)

2.50%

2.50%

2.50%

2.50%

From AT 1 (%)

1.22%

1.19%

1.40%

1.36%

Countercyclical Buffer (%)

0.00%

0.00%

0.00%

0.00%

From Tier 2 (%)

1.17%

1.17%

1.38%

1.38%

Capital Surcharge for D-SIB (%)

1.50%

1.50%

1.50%

1.50%

INDIVIDUAL

MAR 31, 2026 (Unaudited)

MAR 31, 2025 (Unaudited)

Current

Special Mention

Substandard

Doubtful

Loss

Total

Current

Special Mention

Substandard

Doubtful

Loss

Total

I.

RELATED PARTIES

1.

Placement with other banks

-

-

-

-

- -

-

-

-

-

- -

a. Rupiah

-

-

-

-

- -

-

-

-

-

- -

b. Foreign currency

-

-

-

-

- -

-

-

-

-

- -

2.

Spot and derivative/forward receivables

-

-

-

-

- -

-

-

-

-

- -

a. Rupiah

-

-

-

-

- -

-

-

-

-

- -

b. Foreign currency

-

-

-

-

- -

-

-

-

-

- -

3.

Securities

97,425

-

-

-

- 97,425

999

-

-

-

- 999

a. Rupiah

97,425

-

-

-

- 97,425

999

-

-

-

- 999

b. Foreign currency

-

-

-

-

- -

-

-

-

-

- -

4.

Securities sold under repurchase

agreements (repo)

-

-

-

-

- -

-

-

-

-

- -

a. Rupiah

-

-

-

-

- -

-

-

-

-

- -

b. Foreign currency

-

-

-

-

- -

-

-

-

-

- -

5.

Receivables from securities bought under resell agreements (reverse repo)

-

-

-

-

- -

-

-

-

-

- -

a. Rupiah

-

-

-

-

- -

-

-

-

-

- -

b. Foreign currency

-

-

-

-

- -

-

-

-

-

- -

6.

Acceptance receivables

-

-

-

-

- -

-

-

-

-

- -

7.

Loans and financing provided

1,644,720

-

-

-

- 1,644,720

1,886,771

-

-

-

- 1,886,771

a. Micro, small, and medium

enterprises (UMKM)

-

-

-

-

- -

-

-

-

-

- -

i. Rupiah

-

-

-

-

- -

-

-

-

-

- -

ii. Foreign currency

-

-

-

-

- -

-

-

-

-

- -

b. Non micro, small and medium

enterprises (Non UMKM)

1,644,720

-

-

-

- 1,644,720

1,886,771

-

-

-

- 1,886,771

i. Rupiah

1,644,720

-

-

-

- 1,644,720

1,886,771

-

-

-

- 1,886,771

ii. Foreign currency

-

-

-

-

- -

-

-

-

-

- -

c. Restructured loans

-

-

-

-

- -

-

-

-

-

- -

i. Rupiah

-

-

-

-

- -

-

-

-

-

- -

ii. Foreign currency

-

-

-

-

- -

-

-

-

-

- -

8.

Equity investment

-

-

-

-

- -

-

-

-

-

- -

9.

Other bills *)

-

-

-

-

- -

-

-

-

-

- -

10.

Commitment and contingencies

22.689

-

-

-

- 22.689

165,460

-

-

-

- 165,460

a. Rupiah

22.689

-

-

-

- 22.689

165,460

-

-

-

- 165,460

b. Foreign currency

-

-

-

-

- -

-

-

-

-

- -

INDIVIDUAL

MAR 31, 2026 (Unaudited)

MAR 31, 2025 (Unaudited)

Current

Special Mention

Substandard

Doubtful

Loss

Total

Current

Special Mention

Substandard

Doubtful

Loss

Total

II.

NON-RELATED PARTIES

1.

Placement with other banks

40,426,008

-

-

-

-

40,426,008

33,214,028

-

-

-

-

33,214,028

a. Rupiah

830,183

-

-

-

-

830,183

375,111

-

-

-

-

375,111

b. Foreign currency

39,595,825

-

-

-

-

39,595,825

32,838,917

-

-

-

-

32,838,917

2.

Spot and derivative/forward receivables

5,919,232

-

-

-

-

5,919,232

2,026,011

-

-

-

-

2,026,011

a. Rupiah

5,623,782

-

-

-

-

5,623,782

1,155,844

-

-

-

-

1,155,844

b. Foreign currency

295,450

-

-

-

-

295,450

870,167

-

-

-

-

870,167

3.

Securities

185,222,777

-

249,811

-

-

185,472,588

149,759,030

-

326,937

-

-

150,085,967

a. Rupiah

155,015,311

-

-

-

-

155,015,311

115,989,357

-

-

-

-

115,989,357

b. Foreign currency

30,207,466

-

249,811

-

-

30,457,277

33,769,673

-

326,937

-

-

34,096,610

4.

Securities sold under repurchase

agreements (repo)

6,897,309

-

-

-

-

6,897,309

12,389,811

-

-

-

-

12,389,811

a. Rupiah

5,739,288

-

-

-

-

5,739,288

11,259,641

-

-

-

-

11,259,641

b. Foreign currency

1,158,021

-

-

-

-

1,158,021

1,130,170

-

-

-

-

1,130,170

5.

Receivables from securities bought under resell agreements (reverse repo)

9,590,575

-

-

-

-

9,590,575

11,499,596

-

-

-

-

11,499,596

a. Rupiah

8,949,386

-

-

-

-

8,949,386

10,663,558

-

-

-

-

10,663,558

b. Foreign currency

641,189

-

-

-

-

641,189

836,038

-

-

-

-

836,038

6.

Acceptance receivables

16,396,958

-

-

-

-

16,396,958

18,114,937

250,036

867

-

-

18,365,840

7.

Loans and financing provided

856,821,016

27,373,677

1,561,142

1,881,759

14,057,432

901,695,026

700,394,173

33,446,386

2,871,064

2,415,325

9,411,170

748,538,118

a. Micro, small, and medium

enterprises (UMKM)

110,440,667

3,839,567

460,610

838,319

3,868,836

119,447,999

100,524,923

4,151,485

971,497

1,181,734

3,383,362

110,213,001

i. Rupiah

109,637,382

3,839,567

460,610

838,319

3,830,059

118,605,937

99,704,676

4,137,612

971,497

1,181,734

3,345,576

109,341,095

ii. Foreign currency

803,285

-

-

-

38,777

842,062

820,247

13,873

-

-

37,786

871,906

b. Non micro, small and medium

enterprises (Non UMKM)

746,380,349

23,534,110

1,100,532

1,043,440

10,188,596

782,247,027

599,869,250

29,294,901

1,899,567

1,233,591

6,027,808

638,325,117

i. Rupiah

596,658,574

21,218,978

1,100,532

909,627

8,322,749

628,210,460

443,588,275

23,877,804

1,769,175

1,004,478

5,180,687

475,420,419

ii. Foreign currency

149,721,775

2,315,132

-

133,813

1,865,847

154,036,567

156,280,975

5,417,097

130,392

229,113

847,121

162,904,698

c. Restructured loans

33,230,959

19,994,741

909,292

646,072

6,736,152

61,517,216

33,604,696

26,615,610

2,229,267

872,248

3,574,385

66,896,206

i. Rupiah

22,429,171

17,679,609

909,292

512,259

4,886,215

46,416,546

23,467,335

21,469,812

2,098,875

643,136

3,071,985

50,751,143

ii. Foreign currency

10,801,788

2,315,132

-

133,813

1,849,937

15,100,670

10,137,361

5,145,798

130,392

229,112

502,400

16,145,063

8.

Equity investment

20,697,436

-

-

-

-

20,697,436

19,120,010

-

-

-

-

19,120,010

9.

Other bills *)

17,130,604

643

-

-

-

17,131,247

15,395,715

-

-

-

-

15,395,715

10.

Commitment and contingencies

217.768.582

1.161.062

52.016

65.201

469.347

219.516.208

137,175,954

2,114,332

44,786

66,336

571,997

139,973,405

a. Rupiah

150.590.777

998.620

52.016

65.201

466.709

152.173.323

77,753,523

662,899

44,786

66,336

571,997

79,099,541

b. Foreign currency

67.177.805

162.442

-

-

2.638

67.342.885

59,422,431

1,451,433

-

-

-

60,873,864

III.

OTHER INFORMATION

1. Assets pledged as collateral

-

-

a. To Bank Indonesia

-

-

b. To other parties

-

-

2. Foreclosed assets

802,083

822,283

INDIVIDUAL

MAR 31, 2026 (Unaudited)

MAR 31, 2025 (Unaudited)

Allowance for impairment

Required allowance for losses on earning assets

Allowance for impairment

Required allowance for losses on earning assets

Stage 1

Stage 2

Stage 3

General

Special

Stage 1

Stage 2

Stage 3

General

Special

1. Placement with other banks

15

-

-

404,260

-

75

-

-

332,140

-

2. Spot and derivative/forward receivables

-

-

-

59,192

-

-

-

-

20,260

-

3. Securities

53,657

-

-

413,153

37,472

30,303

-

-

320,787

49,041

4. Securities sold under repurchase agreements (repo)

-

-

-

68,973

-

-

-

-

123,898

-

5. Receivables from securities bought under resell agreements (reverse repo)

-

-

-

95,906

-

-

-

-

114,996

-

6. Acceptance receivables

47,012

44,599

-

163,970

-

41,319

138,360

3,296

181,149

12,632

7. Loans and financing provided

3,891,939

14,650,163

17,274,350

8,584,657

16,601,167

4,189,384

16,595,736

17,887,546

7,022,809

12,721,811

8. Equity investment

-

-

-

206,974

-

-

-

-

191,200

-

9. Other bills *)

1,042,796

5,284

-

171,306

32

1,046,686

714

-

153,957

-

10. Commitment and contingencies

657,316

727,416

37,073

1,354,958

567,803

566,394

898,434

25,352

829,234

717,600

INDIVIDUAL

Notional Amount

Type

Derivative Receivables and Payables

Trading

Hedging

Receivable

Payable

NO

TRANSACTIONS

A.

Exchange Rate Related

1.

Spot

23,503,223

23,503,223

- 4,275

4,792

2.

Forward

18,767,917

18,767,917

- 89,433

102,809

3.

Option

a. Sell

49,793,885

49,793,885

- -

4,861,874

b. Buy

49,793,885

49,793,885

- 4,795,199

-

4.

Future

-

-

- -

-

5.

Swap

117,799,454

117,799,454

- 399,278

362,681

6.

Others

-

-

- -

-

B.

Interest Rate Related

1.

Forward

-

-

- -

-

2.

Option

a. Sell

-

-

- -

-

b. Buy

-

-

- -

-

3.

Future

-

-

- -

-

4.

Swap

6,327,223

6,327,223

- 100,038

96,984

5.

Others

-

-

- -

-

C.

Others

17,177,586

17,177,586

- 531,009

399,419

TOTAL

283,163,173

283,163,173

- 5,919,232

5,828,559

CONSOLIDATED

MAR 31, 2026

(Unaudited)

MAR 31, 2025

(Unaudited)

CASH FLOWS FROM OPERATING ACTIVITIES

Receipts from interest income

18,714,883

17,085,836

Payments of interest expense

(6.838.940)

(7,367,330)

Claim expenses

(309)

(506)

Cash received from insurance activity

2,620,286

694,738

Cash paid from insurance activity

(885,767)

(360,456)

Investment return

145,832

-

Other operating income

12,169,218

6,939,353

Other operating expenses

(9.488.002)

(7,284,782)

Non-operating income (expenses) - net

(20,259)

(33,100)

Payment of income tax

(243,825)

(696,626)

Cash flows before changes in operating assets and liabilities

16.173.117

8,977,127

Changes in operating assets and liabilities:

(Increase)/decrease in operating assets :

Placements with Bank Indonesia and other banks

(15,259,322)

454,041

Marketable securities and Government Bonds at fair value through profit or loss

1.593.701

(3,385,271)

Securities purchased under agreements to resell

(3,406,884)

(4,362,327)

Bills and other receivables

(1,293,725)

354,038

Loans

(21,561,360)

7,554,475

Acceptances receivables

3,176,557

(2,362,055)

Prepaid expenses

(655,419)

(1,064,769)

Insurance and reinsurance contract assets

213,261

909,368

Other Assets

(1,225,720)

(6,922,794)

(Decrease)/increase in operating liabilities:

Obligations due immediately

1,377,706

2,753,016

Deposits from customers

59,747,459

14,069,551

Deposits from other banks

1,080,501

(4,541,016)

Foreign exchange term

(213,261)

(909,368)

Accrued expenses

(105,367)

6,145

Employee benefits

(3,920,433)

(17,307)

Acceptances payables

(316,812)

78,056

Taxes payable

23,708

7,561

Other liabilities

5,468,138

1,386,789

Net cash (used in) provided from operating activities

40.895.845

12.985.260

CASH FLOWS FROM INVESTING ACTIVITIES

Proceed from marketable securities measured at fair value through other comprehensive income and amortised cost

76,427,450

59,586,924

Placement from marketable securities measured at fair value through other comprehensive income and amortised cost

(84,292,644)

(60,723,298)

Proceed of Government Bonds at fair value through other comprehensive income and amortised cost

84,814,229

34,900,952

Placement of Government Bonds at fair value through other comprehensive income and amortised cost

(79,972,667)

(35,124,651)

Acquisition of fixed assets

(950,988)

(403,293)

Proceeds from sale of fixed assets

15,911

2,889

Net cash used in investing activities

(3,958,709)

(1,760,477)

CASH FLOWS FROM FINANCING ACTIVITIES

Receipt from borrowings

897.617

3.537.938

Payment for borrowings

(118.746)

(8.864.453)

Receipt in securities sold under agreements to repurchase

5.012.639

13.189.433

Payment in securities sold under agreements to repurchase

(1.508.633)

(9.637.417)

Payment for subordinated securities

(8.735.926)

-

Treasury stocks

(75.000)

-

Receipt in securities issued

275

-

Payment of lease liabilities

(111.178)

(183.767)

Net cash provided from (used in) financing activities

(4.638.952)

(1,958,266)

NET INCREASE/(DECREASE) IN CASH AND CASH EQUIVALENTS

32,298,184

9,266,517

CASH AND CASH EQUIVALENTS AT BEGINNING OF THE PERIOD

152,852,268

104,074,764

Effect of foreign currency exchange rate changes

512,305

(92,531)

CASH AND CASH EQUIVALENTS AT THE END OF THE PERIOD

185,662,757

113,248,750

COMPONENTS OF CASH AND CASH EQUIVALENTS:

Cash

11,602,746

13,413,543

Current accounts with Bank Indonesia

105,782,613

43,169,144

Current accounts with other banks

37,040,986

30,149,960

Placement with Bank Indonesia and other banks - maturing within three months of acquisition date

31,236,412

26,516,103

Total cash and cash equivalents

185,662,757

113,248,750

BOARD OF COMMISSIONERS BOARD OF DIRECTORS

President Commissioner/Independent Commissioner

: Omar Sjawaldy Anwar

President Director (CEO)

:

Putrama Wahju Setyawan

Vice President Commissioner

: Tedi Bharata

Vice President Director

:

Alexandra Askandar

Independent Commissioner

: Vera Febyanthy

Finance & Strategy Director

:

Hussein Paolo Kartadjoemena

Independent Commissioner

: Didik Junaedi Rachbini

Risk Management Director

:

David Pirzada

Commissioner

: Febrio Nathan Kacaribu*)

Corporate Banking Director

:

Agung Prabowo

Commissioner

: Donny Hutabarat

Commercial Banking Director

:

Muhammad Iqbal

Operations Director

:

Ronny Venir

Network & Retail Funding Director

:

Rian Eriana Kaslan

Consumer Banking Director

:

Corina Leyla Karnalies

Information Technology Director

:

Toto Prasetio

Human Capital & Compliance Director

:

Munadi Herlambang

Treasury & International Banking Director

:

Abu Santosa Sudrajat

Institutional Banking Director

:

Eko Setyo Nugroho