PT Bank Pan Indonesia Tbk : Consolidated Financial Statements of PT Bank Panin Tbk and Subsidiaries as of September 30, 2025 and 2024 (Unaudited)

About this update from Pt Bank Pan Indonesia Tbk

CONSOLIDATED FINANCIAL STATEMENTS STATEMENTS OF FINANCIAL POSITION AS OF SEPTEMBER 30, 2025 AND DECEMBER 31, 2024 (In Millions Rupiah) NO. DESCRIPTION INDIVIDUAL CONSOLIDATED SEP 30, 2025 DEC 31, 2024 SEP 30, 2025 DEC 31, 2024 ASSETS 1. Cash 1,237,584 1,798,494 1,255,200 1,809,940 2. Placement to Bank Indonesia 10,794,160 9,590,081 11,938,576 10,818,260 3. Interbank placement 3,129,728 5,207,819 3,049,810 5,227,436 4. Spot and derivatives / forward claims 33,531 40,010 33,531 40,010 5. Securities held 45,050,821 37,834,722 47,611,202 40,183,372 6. Securites sold under repurchase agreement (repo) 151,214 22,105,850 151,214 22,105,850 7. Claims on securites bought under reverse repo 5,711,460 1,095,467 5,711,460 1,095,467 8. Acceptance claims 1,542,957 1,415,079 1,542,957 1,415,079 9. Loans 121,280,766 129,253,393 141,989,441 148,901,716 10. Sharia financing - - - - 11. Equity investment 3,652,617 3,640,956 787,824 775,604 12. Other financial assets 1,053,129 1,135,391 1,835,333 1,854,386 13. Impairment on financial assets -/- a. Securities held (3) (21) (3) (21) b. Loans and sharia financing (6,355,135) (7,211,919) (6,782,080) (7,679,331) c. Others (9,123) (12,856) (22,819) (27,809) 14. Intangible Assets 562,224 536,022 656,019 622,647 Accumulated amortisation on intangible assets -/- (375,278) (339,405) (434,765) (392,766) 15. Fixed assets and equipment 10,052,455 9,885,156 10,561,424 10,385,887 Accumulated depreciation on fixed assets and equipments -/- (709,425) (422,596) (808,010) (487,625) 16. Non productive assets a. Abandoned properties 958,818 970,017 958,818 970,017 b. Foreclosed assets 1,536,864 1,542,234 2,955,284 2,929,399 c. Suspense accounts - - - - d. Interbranch assets * - - - - 17. Other assets 3,195,529 3,006,305 3,651,067 3,411,057 TOTAL ASSETS 202,494,893 221,070,199 226,641,483 243,958,575 LIABILITIES AND EQUITIES LIABILITIES 1. Current account 12,082,138 12,009,834 12,636,547 12,394,313 2. Saving account 47,401,373 50,748,530 48,500,969 52,649,977 3. Deposit 76,804,636 77,197,147 88,854,910 87,325,742 4. Electronic money 689 633 689 633 5. Liabilities to Bank Indonesia - - - 402,305 6. Interbank liabilities 3,043,033 821,073 3,175,705 952,588 7. Spot and derivatives / forward liabilities 38,352 43,308 38,352 43,308 8. Liabilities on securites sold under repurchase agreement (repo) 145,748 21,189,337 145,748 21,189,337 9. Acceptance liabilities 1,546,288 1,418,048 1,546,288 1,418,048 10. Issued securities 7,167,185 5,283,387 8,370,185 6,203,387 11. Loans received - - 3,004,932 2,937,757 12. Margin deposit 226,801 195,455 226,958 195,602 13. Interbranch liabilities * - - - - 14. Other liabilities 1,920,735 1,851,080 2,260,062 2,175,962 15. Minority interest - - 3,743,455 3,745,266 EQUITIES 16. Paid in capital a. Capital 9,600,000 9,600,000 9,600,000 9,600,000 b. Unpaid capital -/- (7,191,235) (7,191,235) (7,191,235) (7,191,235) c. Treasury stock -/- (2,187) (610) (2,187) (610) 17. Additional paid in capital a. Agio 3,421,684 3,440,707 3,421,684 3,440,707 b. Disagio -/- - - - - c. Fund for paid-up capital - - - - d. Other - - (269,072) (269,072) 18. Other comprehensive gain (loss) a. Gain 7,748,164 7,625,869 7,831,861 7,723,258 b. Loss -/- (33,653) (583,760) (33,653) (611,266) 19. Reserves a. General reserves 36,308,205 34,703,882 36,765,803 35,162,839 b. Appropriated reserves 140,000 140,000 140,000 140,000 20. Gain/loss a. Previous years 1,010,762 - 2,765,054 1,591,586 b. Current year 2,126,937 2,577,514 2,119,190 2,738,143 c. Dividends paid (1,010,762) - (1,010,762) - TOTAL EQUITIES ATTRIBUTABLE TO OWNERS 52,117,915 50,312,367 54,136,683 52,324,350 TOTAL LIABILITIES AND EQUITIES 202,494,893 221,070,199 226,641,483 243,958,575 *stated at net carrying value PT Bank Panin, Tbk. & Subsidiaries STATEMENTS OF EARNING ASSET QUALITY AND OTHER INFORMATION AS OF SEPTEMBER 30, 2025 AND 2024 (In Millions Rupiah) NO. DESCRIPTION INDIVIDUAL SEP 30, 2025 SEP 30, 2024 C SM S D L TOTAL C SM S D L TOTAL I. RELATED PARTIES 1. Interbank placement a. Rupiah 100,000 - - - - 100,000 200,000 - - - - 200,000 b. Foreign currency 74,281 - - - - 74,281 361,645 - - - - 361,645 2. Spot and derivatives / forward claims a. Rupiah - - - - - - - - - - - - b. Foreign currency - - - - - - - - - - - - 3. Securities held a. Rupiah - - - - - - - - - - - - b. Foreign currency - - - - - - - - - - - - 4. Securities sold under repurchase agreement (repo) a. Rupiah - - - - - - - - - - - - b. Foreign currency - - - - - - - - - - - - 5. Claims on securities bought under reverse repo a. Rupiah - - - - - - - - - - - - b. Foreign currency - - - - - - - - - - - - 6. Acceptance claims - - - - - - - - - - - - 7. Loans and financing provided a. Micro, small and medium enterprises (UMKM) i. Rupiah 200,895 - - - 21,133 222,028 197,657 - - - 21,133 218,790 ii. Foreign currency - - - - - - - - - - - - b. Non micro, small and medium enterprises (UMKM) i. Rupiah 1,032,960 - - - 789,392 1,822,352 1,516,521 547,892 - - 239,386 2,303,799 ii. Foreign currency - - - - - - - - - - - - c. Restructured loans i. Rupiah - - - - 536,080 536,080 74,373 - - - 21,133 95,506 ii. Foreign currency - - - - - - - - - - - - 8. Equity investment 3,511,955 - - - - 3,511,955 3,511,955 - - - - 3,511,955 9. Other receivables - - - - - - - - - - - - 10. Commitments and contingencies a. Rupiah 540,458 - - - 42 540,500 641,050 15 - - - 641,065 b. Foreign currency - - - - - - - - - - - - II. NON-RELATED PARTIES 1. Interbank placement a. Rupiah 5,004 - - - - 5,004 12,300 - - - - 12,300 b. Foreign currency 2,950,443 - - - - 2,950,443 4,002,550 - - - - 4,002,550 2. Spot and derivatives / forward claims a. Rupiah 33,335 - - - - 33,335 120,209 - - - - 120,209 b. Foreign currency 196 - - - - 196 2 - - - - 2 3. Securities held a. Rupiah 43,661,330 - - - 70,826 43,732,156 39,608,189 - - - 74,167 39,682,356 b. Foreign currency 1,318,665 - - - - 1,318,665 1,193,504 - - - - 1,193,504 4. Securities sold under repurchase agreement (repo) a. Rupiah 151,214 - - - - 151,214 11,208,662 - - - - 11,208,662 b. Foreign currency - - - - - - - - - - - - 5. Claims on securities bought under reverse repo a. Rupiah 5,711,460 - - - - 5,711,460 - - - - - - b. Foreign currency - - - - - - - - - - - - 6. Acceptance claims 1,542,957 - - - - 1,542,957 2,067,503 - - - - 2,067,503 7. Loans and financing provided a. Micro, small and medium enterprises (UMKM) i. Rupiah 19,047,606 700,208 175,155 111,303 369,568 20,403,840 20,266,450 987,614 76,922 59,095 460,371 21,850,452 ii. Foreign currency 51,368 - - - - 51,368 52,052 - - - - 52,052 b. Non micro, small and medium enterprises (UMKM) i. Rupiah 81,928,472 7,929,560 254,698 396,197 1,510,091 92,019,018 86,604,513 9,432,967 335,734 597,454 2,040,550 99,011,218 ii. Foreign currency 6,578,595 121,159 - - 62,406 6,762,160 5,735,811 115,630 - - 56,695 5,908,136 c. Restructured loans i. Rupiah 4,796,569 7,323,658 308,061 146,957 1,040,168 13,615,413 4,615,049 9,158,563 67,718 485,325 1,823,977 16,150,632 ii. Foreign currency 898,818 121,159 - - - 1,019,977 865,018 115,630 - - - 980,648 8. Equity investment 140,662 - - - - 140,662 136,761 - - - - 136,761 9. Other receivables - - - - - - - - - - - - 10. Commitments and contingencies a. Rupiah 34,500,190 118,767 1,205 975 2,008 34,623,145 33,907,865 207,310 - - - 34,115,175 b. Foreign currency 4,197,815 - - - - 4,197,815 3,970,460 - - - - 3,970,460 III. OTHER INFORMATIONS 1. Assets pledged as collateral : a. To Bank Indonesia - - b. To other parties - - 2. Foreclosed assets 1,536,864 1,553,062 STATEMENTS OF CASH FLOWS FOR THE NINE MONTHS PERIOD ENDED SEPTEMBER 30, 2025 AND 2024 (In Millions Rupiah) DESCRIPTION CONSOLIDATED SEP 30, 2025 SEP 30, 2024 CASH FLOWS FROM OPERATING ACTIVITIES Interest, loan commissions and fees received 11,597,601 11,216,941 Interest, prizes, fund commissions and fees paid (5,149,730) (4,719,317) Other operating revenues received 1,148,529 1,507,331 Other operating expenses paid (4,133,794) (4,333,868) Gain on foreign exchange transactions - net 95,733 102,548 Non-operating expense paid - net (16,012) (12,526) Income tax expense paid (553,998) (592,947) Operating cash flows before changes in operating assets and liabilities 2,988,329 3,168,162 Decrease (Increase) in operating assets Securities (measured at fair value through profit or loss) 10,985,338 (1,170,434) Loans 4,926,123 (1,599,749) Securities purchased with agreements to resell (4,615,993) 4,827,120 Finance lease receivables (93,283) (57,801) Consumer financing receivables 64,857 (645,355) Sales and lease-back receivables (22,064) (20,371) Other assets (214,041) 72,150 Increase (Decrease) in operating liabilities Liabilities payable immediately 77,958 66,095 Deposits (2,377,607) 7,860,230 Deposits from other banks 2,103,814 (1,426,434) Acceptances payable 362 1,027 Securities sold with agreements to repurchase (21,043,589) 1,158,143 Other liabilities 44,617 (44,644) Net cash (Used in) Provided by Operating Activities (7,175,179) 12,188,139 CASH FLOWS FROM INVESTING ACTIVITIES Securities sold (purchased) (other than those measured at fair value throught profit or loss) (21,088,336) (18,454,890) Proceed from securities sold and matured (other than those measured at fair value throught profit or loss) 25,853,406 4,540,802 Proceeds from sale of premises and equipment 7,542 19,096 Dividends received 49,576 52,102 Acquisition of premises and equipment (163,595) (255,124) Acquisition of intangible assets (91,750) (93,541) Net cash Provided by (Used in) Investing Activities 4,566,843 (14,191,555) CASH FLOWS FROM FINANCING ACTIVITIES Treasury stock purchase (20,600) - Bonds issuance cost (19,017) (2,091) Issuance of securities by parent entity 3,200,000 50,000 Payment of cash dividends by subsidiary (96,709) - Issuance of subordinated bonds by parent entity - 50,000 Lease liability payment (72,292) (74,599) Borrowings repayment by subsidiaries (1,467,856) (2,551,534) Borrowings received by subsidiaries 1,535,000 2,750,000 Subordinated bonds issuance cost - (2,147) Redemption of subordinated bonds (1,302,000) (2,400,000) Payment of cash dividends (1,010,762) - Net cash Provided by (Used in) Financing Activities 745,764 (2,180,371) NET DECREASE IN CASH AND CASH EQUIVALENTS (1,862,572) (4,183,787) CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 17,855,635 16,504,062 Effect of foreign exchange rate changes 250,524 (50,090) CASH AND CASH EQUIVALENTS AT END OF PERIOD 16,243,587 12,270,185 Cash and cash equivalents consist of: Cash on hand 1,255,200 1,067,823 Demand deposits with Bank Indonesia 10,969,576 4,626,251 Demand deposits with other banks 612,892 916,892 Placements with Bank Indonesia and other banks 3,405,919 5,659,219 Total cash and cash equivalents 16,243,587 12,270,185 STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO COMMERCIAL BANK AS OF SEPTEMBER 30, 2025 AND 2024 (In Millions Rupiah) COMPONENTS OF CAPITAL SEP 30, 2025 SEP 30, 2024 INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED I. Core Capital (Tier 1) 46,734,199 52,216,693 44,098,435 49,617,965 1 Core Capital/Common Equity Tier 1 (CET 1) 46,734,199 52,216,693 44,098,435 49,617,965 1.1 Paid-in Capital (net of Treasury Stock) 2,406,577 2,406,577 2,408,155 2,408,155 1.2 Capital Additional Reserves 48,149,703 49,863,195 46,176,400 47,978,526 1.2.1 Additional Tier 1 49,857,013 52,152,561 47,943,079 50,268,019 1.2.1.1 Other comprehensive income 8,000,187 8,091,592 7,798,196 7,884,767 1.2.1.1.1 Surplus of the financial statement translation - - - - 1.2.1.1.2 Potential benefits of the changes in financial assets measured at fair value through other comprehensive income 82,517 75,951 - - 1.2.1.1.3 Surplus of fixed assets revaluation 7,917,670 8,015,641 7,798,196 7,884,767 1.2.1.2 Other capital additional reserves (other disclosed reserves) 41,856,826 44,060,969 40,144,883 42,383,252 1.2.1.2.1 Agio 3,421,684 3,421,684 3,440,707 3,440,707 1.2.1.2.2 General reserves 36,308,205 36,765,803 34,664,880 35,123,837 1.2.1.2.3 Previous year profit - 1,754,292 - 1,630,761 1.2.1.2.4 Current year profit 2,126,937 2,119,190 2,039,296 2,187,947 1.2.1.2.5 Funds for paid-in capital - - - - 1.2.1.2.6 Others - - - - 1.2.2 Deduction Tier 1 (1,707,310) (2,289,366) (1,766,679) (2,289,493) 1.2.2.1 Other comprehensive income - - (337,293) (384,332) 1.2.2.1.1 Defisit of the financial statement translation - - - - 1.2.2.1.2 Potential losses from the changes in financial assets measured at fair value through other comprehensive income - - (337,293) (384,332) 1.2.2.2 Other capital additional reserves (other disclosed reserves) (1,707,310) (2,289,366) (1,429,386) (1,905,161) 1.2.2.2.1 Disagio - - - - 1.2.2.2.2 Previous year loss - - - - 1.2.2.2.3 Current year loss - - - - 1.2.2.2.4 Less difference between Provision for Asset Quality Assessment and the allowance for impairment losses on productive assets - - - - 1.2.2.2.5 Less difference of fair value adjustment of financial instruments in the Trading Book - - - - 1.2.2.2.6 Provision for Asset Quality Assessment non productive (1,707,310) (2,289,366) (1,429,386) (1,905,161) 1.2.2.2.7 Others - - - - 1.3 Non Controlling Interest - 989,010 - 967,025 1.4 Deduction Core Capital (3,822,081) (1,042,089) (4,486,120) (1,735,741) 1.4.1 Deffered tax calculated - (50,493) (653,488) (725,783) 1.4.2 Goodwill - - - - 1.4.3 Other intangible assets (186,946) (221,254) (201,377) (236,076) 1.4.4 Investments in share (3,635,135) (770,342) (3,631,255) (773,882) 1.4.5 Shortage of capital on insurance subsidiaries - - - - 1.4.6 Securitisation exposure - - - - 1.4.7 Other deduction core capital - - - - 1.4.7.1 Placement of funds in instrument AT 1 and/or Tier 2 to other bank - - - - 1.4.7.2 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - - 1.4.7.3 Exposure of Credit Risk because of settlement risk -Non Delivery Versus Payment - - - - 1.4.7.4 Subsidiaries' exposure because sharia transaction (if any) - - - - 2 Additional Core Capital/Additional Tier 1 (AT 1) - - - - 2.1 Instrument which comply with AT 1 - - - - 2.2 Agio/Disagio - - - - 2.3 Other deduction core capital - - - - 2.3.1 Placement of funds in instrument AT 1 and/or Tier 2 to other bank - - - - 2.3.2 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - - II. Supplemental Capital (Tier 2) 1,205,942 1,400,912 1,490,413 1,679,695 1 Capital Instrument in the form of Stock or others which comply with Tier 2 50,000 50,000 267,000 267,000 2 Agio/Disagio - - - - 3 General provision on earning assets (max. 1.25% Credit Risk Weighted Assets) 1,155,942 1,350,912 1,223,413 1,412,695 4 Deduction supplemental capital (Tier 2) - - - - 4.1 Sinking Fund - - - - 4.2 Placement of funds in instrument AT 1 and/or Tier 2 to other bank - - - - 4.3 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - - Total Core Capital and Supplemental Capital 47,940,141 53,617,605 45,588,848 51,297,660 SEP 30, 2025 SEP 30, 2024 SEP 30, 2025 SEP 30, 2024 INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED RISK WEIGHTED ASSETS CAPITAL ADEQUACY RATIO RISK WEIGHTED ASSETS 112,054,654 131,277,479 117,932,155 135,847,507 CET 1 Ratio (%) 38.03% 36.49% 33.48% 32.96% CREDIT RISK - WEIGHTED ASSETS 2,868,525 2,868,525 5,764,030 5,757,148 Tier 1 Ratio (%) 38.03% 36.49% 33.48% 32.96% MARKET RISK - WEIGHTED ASSETS 7,955,960 8,946,359 8,016,975 8,949,435 Tier 2 Ratio (%) 0.98% 0.98% 1.13% 1.12% OPERATIONAL RISK -WEIGHTED ASSETS 122,879,139 143,092,363 131,713,160 150,554,090 Capital Adequacy Ratio (%) 39.01% 37.47% 34.61% 34.08% TOTAL RISK WEIGHTED ASSETS 9.47% 9.51% 9.53% 9.56% CET 1 for Buffer (%) 29.54% 27.96% 25.08% 24.52% CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FILLED BY BANK (%) From CET 1 (%) 8.49% 8.53% 8.40% 8.44% Capital Conservation Buffer (%) 2.500% 2.500% 2.500% 2.500% From AT 1 (%) 0.00% 0.00% 0.00% 0.00% Countercyclical Buffer (%) 0.000% 0.000% 0.000% 0.000% From Tier 2 (%) 0.98% 0.98% 1.13% 1.12% Capital surcharge for D-SIB (%) 1.000% 1.000% 1.000% 1.000% IMPAIRMENT LOSS ALLOWANCE AS OF SEPTEMBER 30, 2025 AND 2024 (In Millions Rupiah) No. Description SEP 30, 2025 SEP 30, 2024 Allowance for Impairment Required Allowance for Possible Losses on Earning Assets Allowance for Impairment Required Allowance for Possible Losses on Earning Assets Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific 1. Interbank placement 133 - - 31,297 - 255 - - 45,765 - 2. Spot and derivatives / forward claims - - - 335 - - - - 1,202 - 3. Securities held 296 64,919 - 6,038 70,826 68,281 - - 2,128 74,167 4. Securities sold under repurchase agreement (repo) - - - - - - - - - - 5. Claims on securities bought under reverse repo 377 - - - - - - - - - 6. Acceptances claims 5,036 - - 11,513 - 7,919 - - 14,790 - 7. Loans and financing provided 642,434 544,003 5,168,698 1,057,256 1,833,861 1,307,032 1,940,351 3,732,594 1,111,739 2,049,995 8. Equity investment - - - 36,526 - - - - 36,487 - 9. Other receivables - - - - - - - - - - 10. Commitment and contingencies 39,191 1,422 19 12,977 8,651 64,495 217 5 11,302 10,365 STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE NINE MONTHS PERIOD ENDED SEPTEMBER 30, 2025 AND 2024 (In Millions Rupiah) NO. DESCRIPTION INDIVIDUAL CONSOLIDATED SEP 30, 2025 SEP 30, 2024 SEP 30, 2025 SEP 30, 2024 OPERATIONAL INCOME AND EXPENSES A. Interest income and expenses 1. Interest income 9,890,278 9,534,532 11,667,584 11,404,083 2. Interest expenses 4,304,115 3,931,471 5,104,112 4,720,932 Net interest income (expenses) 5,586,163 5,603,061 6,563,472 6,683,151 B. Operational Income and Expenses Other than Interest 1. Positive (negative) mark to market on financial assets 191,756 59,664 191,756 59,664 2. Positive (negative) mark to market on financial liabilities - - - - 3. Gain (loss) on sale of financial assets 235,816 138,242 235,816 138,242 4. Gain (loss) on spot and derivatives / forward (realised) 39,202 43,673 39,202 43,673 5. Gain (loss) on investment under equity method - - 32,243 39,611 6. Gain (loss) on foreign exchange translation 7,522 10,138 7,522 10,138 7. Dividend income 152,147 52,102 18,256 14,518 8. Commision/provision/fee and administration income 326,200 337,272 469,303 537,796 9. Other income 602,938 679,950 793,094 849,901 10. Provision (recovery) of financial assets' impairment 772,073 464,586 1,220,136 902,989 11. Losses on operational risk 7,227 65,662 7,291 65,662 12. Personnel expenses 1,522,326 1,541,680 1,908,272 1,957,265 13. Promotion expenses 13,492 12,911 24,878 53,335 14. Other expenses 2,092,361 2,181,211 2,354,155 2,443,857 Net Operational Income (Expenses) Other than Interest (2,851,898) (2,945,009) (3,727,540) (3,729,565) OPERATIONAL PROFIT (LOSS) 2,734,265 2,658,052 2,835,932 2,953,586 NON OPERATIONAL INCOME (EXPENSES) 1. Gain (loss) on sale of fixed assets and equipment 1,401 1,247 1,766 6,466 2. Other non operational income (expenses) (50,449) (55,693) (53,024) (59,253) NON OPERATIONAL PROFIT (LOSS) (49,048) (54,446) (51,258) (52,787) CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 2,685,217 2,603,606 2,784,674 2,900,799 Income taxes a. Estimated current period tax -/- 523,312 552,556 554,424 595,067 b. Deferred tax income (expenses) (34,968) (11,754) (35,342) (10,567) NET PROFIT (LOSS) 2,126,937 2,039,296 2,194,908 2,295,165 MINORITY INTEREST PROFIT (LOSS) 75,718 107,218 OTHER COMPREHENSIVE INCOME 1. Items that will not be reclassified to profit or loss a. Gain on fixed asset revaluation 4,788 9,580 4,788 9,580 b. Gain (loss) on defined benefit actuarial program - - - - c. Others - - (364) (383) 2. Items that will be reclassified to profit or loss a. Translation adjustment from foreign currency - - - - b. Changes in financial assets of debt instrument measured at fair value through other comprehensive income 705,185 250,220 739,206 264,322 c. Others - - - - OTHER COMPREHENSIVE INCOME OF THE CURRENT PERIOD - NET OF APPLICABLE INCOME TAX 709,973 259,800 743,630 273,519 CURRENT PERIOD TOTAL COMPREHENSIVE INCOME 2,836,910 2,299,096 2,938,538 2,568,684 Profit attributable to: 2,126,937 2,039,296 EQUITY HOLDERS OF THE PARENT ENTITY 2,119,190 2,187,947 NON CONTROLLING INTEREST 75,718 107,218 CURRENT PERIOD TOTAL PROFIT 2,126,937 2,039,296 2,194,908 2,295,165 Total Comprehensive Profit (Loss) Attributable to: 2,836,910 2,299,096 EQUITY HOLDERS OF THE PARENT ENTITY 2,843,695 2,456,853 NON CONTROLLING INTEREST 94,843 111,831 TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE CURRENT PERIOD 2,836,910 2,299,096 2,938,538 2,568,684 TRANSFER OF PROFIT (LOSS) TO HEAD OFFICE - - - - DIVIDEND - - - - NET EARNINGS (LOSS) PER SHARE 88.30 84.66 87.98 90.83 STATEMENTS OF COMMITMENTS AND CONTINGENCIES AS OF SEPTEMBER 30, 2025 AND DECEMBER 31, 2024 (In Millions Rupiah) NO. DESCRIPTION INDIVIDUAL CONSOLIDATED SEP 30, 2025 DEC 31, 2024 SEP 30, 2025 DEC 31, 2024 I. COMMITTED CLAIMS 1. Unused borrowing / financing - - - - 2. Foreign currency positions to be received from spot and derivative / forward transactions 4,551,500 3,676,853 4,551,500 3,676,853 3. Others - - - - II. COMMITTED LIABILITIES 1. Undisbursed loan / financing facilities to debtors a. Committed 28,516,687 29,574,125 29,179,058 29,935,533 b. Uncommitted 8,887,050 9,098,233 10,515,941 10,445,605 2. Outstanding irrevocable L/C 979,074 679,377 979,074 679,377 3. Foreign currency positions to be submitted for spot and derivative / forward transactions 4,424,315 3,724,236 4,424,315 3,724,236 4. Others - - - - III. CONTINGENT CLAIMS 1. Received guarantees - - - - 2. Others 1,502,538 1,776,230 1,502,538 1,776,230 IV. CONTINGENT LIABILITIES 1. Issued guarantees 978,649 1,031,138 1,132,952 1,209,001 2. Others 234,156 209,574 234,156 209,574 BANK'S MANAGEMENT BOARD OF COMMISSIONERS - President Commissioner/Independent Commissioner : Nelson Tampubolon - Deputy President Commissioner/Independent Commissioner : Lintang Nugroho - Commissioner : Chandra Rahardja Gunawan - Commissioner : Johnny - Commissioner : Gregory James Terry - Independent Commissioner : Drs. H. Riyanto DIRECTORS - President Director : Herwidayatmo - Deputy President Director : Hendrawan Danusaputra - Director : Edy Heryanto - Director : Januar Hardi - Director : Gunawan Santoso - Director : Lionto Gunawan - Compliance Director : Antonius Ketut Dwirianto - Director : Suwito Tjokrorahardjo SHAREHOLDERS I. Ultimate Shareholder : 3) Melalui : - PT Panin Financial Tbk. : 46.04% - Votraint No. 1103 Pty Limited : 38.82% II. Non Ultimate Shareholder through non Capital Market ( ≥ 5%) : Nil III. Public (< 5% each) : 15.14% FINANCIAL RATIOS CALCULATION AS OF SEPTEMBER 30, 2025 AND 2024 (in %) SEP 30, 2025 SEP 30, 2024 Performance Ratio Consolidated 1. Capital Adequacy Ratio (CAR) 37.47 34.08 2. Non performing earning assets and non earning assets to total earning assets and non earning assets 3.38 3.21 3. Non performing earning assets to total earning assets 2.26 2.25 4. Impairment provision on financial assets to total earning assets 3.41 3.55 5. Gross NPL 3.16 3.17 6. Net NPL 1.11 1.09 7. Return on Asset (ROA) 1.59 1.68 8. Return on Equity (ROE) 5.50 6.04 9. Net Interest Margin (NIM) 4.24 4.44 10. Operating Expense to Operating Revenue 78.92 77.45 11. Cost to Income Ratio (CIR) 51.53 54.08 Individual 1. Capital Adequacy Ratio (CAR) 39.01 34.61 2. Non performing earning assets and non earning assets to total earning assets and non earning assets 2.79 2.66 3. Non performing earning assets to total earning assets 2.08 2.05 4. Impairment provision on financial assets to total earning assets 3.58 3.69 5. Gross NPL 3.04 3.01 6. Net NPL 0.86 0.83 7. Return on Asset (ROA) 1.76 1.74 8. Return on Equity (ROE) 6.18 6.36 9. Net Interest Margin (NIM) 4.08 4.21 10. Operating Expense to Operating Revenue 76.11 75.51 11. Loan to Deposit Ratio (LDR) 88.97 91.78 12. Cost to Income Ratio (CIR) 51.02 54.93 Compliance 1. a. Percentage violation of Legal Lending Limit i. Related parties - - ii. Non related parties - - b. Percentage of excess of violation of the Legal Lending Limit i. Related parties - - ii. Non related parties - - 2. Reserve Requirement a. Primary reserve requirement - Rupiah - Daily *) 7.52 3.05 - Average **) 4.21 6.71 b. Reserve requirement - Foreign currency (daily) *) 4.01 4.01 3. Net Open Position 0.46 0.43 *) Realization of Daily Primary Reserves as of September 30, 2025 and 2024 **) Realization of Average Primary Reserves as of September 30, 2025 and 2024 CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY FOR THE NINE MONTHS PERIOD ENDED SEPTEMBER 30, 2025 AND 2024 (In Millions Rupiah) Capital Stock Treasury Stock Additional Paid-in Capital Difference in value of equity transaction with non-controlling interest Other Comprehensive Income Retained Earnings Equity attributable to owners of the parent entity Non-Controlling Interest Total Revaluation of premises and equipment Remeasurement of defined benefit obligation Changes in fair value on marketable securities measured at fair value through other comprehensive income Shares in other comprehensive income of associate Appropriated Unappropriated Balance as of January 1, 2024 2,408,765 (610) 3,440,707 (269,072) 7,676,494 190,446 (498,473) 5,508 140,000 36,611,051 49,704,816 3,607,669 53,312,485 Transfer of surplus revaluation of premises and equipment to retained earning arising from sale of revalued premises and equipment - - - - (143,547) - - - - 143,547 - - - Net income for the current period - - - - - - - - - 2,187,947 2,187,947 107,218 2,295,165 Other comprehensive income-after tax - - - - 9,580 - 259,709 (383) - - 268,906 4,613 273,519 Balance as of September 30, 2024 2,408,765 (610) 3,440,707 (269,072) 7,542,527 190,446 (238,764) 5,125 140,000 38,942,545 52,161,669 3,719,500 55,881,169 Transfer of surplus revaluation of premises and equipment to retained earning arising from sale of revalued premises and equipment - - - - (40,947) - - - - 40,947 - - - Transfer to retained earnings - - - - - - 41,120 - - (41,120) - - - Net income for the current period - - - - - - - - - 550,196 550,196 21,402 571,598 Other comprehensive income-after tax - - - - 164,119 (153,042) (397,941) (651) - - (387,515) 4,364 (383,151) Balance as of December 31, 2024 2,408,765 (610) 3,440,707 (269,072) 7,665,699 37,404 (595,585) 4,474 140,000 39,492,568 52,324,350 3,745,266 56,069,616 Treasury Stock - (1,577) - - - - - - - - (1,577) - (1,577) Additional Paid-in Capital - - (19,023) - - - - - - - (19,023) - (19,023) Distribution of dividends - - - - - - - - - (1,010,762) (1,010,762) - (1,010,762) Dividends from subsidiary paid to non-controlling interest - - - - - - - - - - - (96,654) (96,654) Transfer of surplus revaluation of premises and equipment to retained earning arising from sale of revalued premises and equipment - - - - (38,289) - - - - 38,289 - - - Net income for the current period - - - - - - - - - 2,119,190 2,119,190 75,718 2,194,908 Other comprehensive income-after tax - - - - 4,788 - 720,081 (364) - - 724,505 19,125 743,630 Balance as of September 30, 2025 2,408,765 (2,187) 3,421,684 (269,072) 7,632,198 37,404 124,496 4,110 140,000 40,639,285 54,136,683 3,743,455 57,880,138 STATEMENTS OF FOREIGN EXCHANGE AND DERIVATIVE / FORWARD TRANSACTION AS OF SEPTEMBER 30, 2025 (In Millions Rupiah) No. Transaction Individual Notional Amount Type Derivatives Receivables and Payables Trading Hedging Receivables Payables A. Exchanged Rate Related 1. Spot 2,441,396 2,441,396 - 686 1,461 2. Forward 1,778,747 1,778,747 - 17,575 11,429 3. Option a. Written - - - - - b. Purchased - - - - - 4. Future - - - - - 5. Swap 4,755,673 4,755,673 - 15,270 25,462 6. Others - - - - - B. Interest Rate Related 1. Forward - - - - - 2. Option a. Written - - - - - b. Purchased - - - - - 3. Future - - - - - 4. Swap - - - - - 5. Others - - - - - C. Others - - - - - TOTAL 8,975,816 8,975,816 - 33,531 38,352 The Best KBMI 3 Bank in Marketing Engagement Index - Infobank Award 2025 Most Active Bank - Total Nilai Transaksi Terbesar yang Diberikan kepada 1 Institusi Kategori Bank, IDX SPPA Award 2024 - Bursa Efek Indonesia Best First Mover - Total Nilai Transaksi Terbesar untuk Instrumen Non-government Bond - SPPA Scaling Up Campaign 2024 - Bursa Efek Indonesia Most Active Price Giver Trader Total Nilai Transaksi Terbesar Sebagai Price Giver/ Responder Kategori Transaksi RFQ -SPPA Scaling Up Campaign 2024 - Bursa Efek Indonesia Most Active RFO Trader Total Nilai Transaksi Terbesar Kategori Transaksi RFO - SPPA Scaling Up Campaign 2024 - Bursa Efek Indonesia Dealer Utama Surat Berharga Syariah Negara Terbaik Tahun 2024 di Pasar Sekunder - Kemenkeu RI Dealer Utama Surat Utang Negara Terbaik Tahun 2024 di Pasar Perdana - Kemenkeu RI The Best Conventional Bank in Excellent Website - 22nd Indonesian Best Bank Service Excellence 2025 - Infobank dan MRI The Best Conventional Bank in Excellent Branch ATM - 22nd Indonesian Best Bank Service Excellence 2025 - Infobank dan MRI Best Bank 2025 for Empowering Housing Ownership through Strategic Mortgage Partnerships and KPR Innovation -Warta Ekonomi Notes: The financial information as of and for the year ended December 31, 2024, was derived from the consolidated financial statements, which have been audited by Public Accounting Firm Liana Ramon Xenia & Rekan (member (as such term is used in Regulation of the Ministry of Finance Number 186/PMK.01/2021 and Regulation of the Financial Services Authority Number 9 of 2023) of Deloitte Southeast Asia Limited), with engagement partner Fonny Alimin, CPA expressing an unmodified opinion. This consolidated financial statement have been prepared in accordance with the Financial Services Authority Regulation No. 37/POJK.03/2019 dated December 19, 2019 concerning "Transparency and Publication of Bank's Report", copy of the OJK's Circular Letter No.9/SEOJK.03/2020 dated June 30, 2020 regarding "Transparency and Publication of Convensional Commercial Bank's Report", Financial Services Authority Regulation (POJK) No. 14/POJK.04/2022 dated August 18, 2022 concerning "Submission of Periodic Financial Statements of Issuers or Public Companies" and Bapepam-LK Regulation No.VIII.G.7 included in the Appendix of the Decree of the Chairman of Bapepam-LK (currently OJK) No. KEP-347/BL/2012 dated June 25, 2012 regarding "Presentation and Disclosure of Issuer or Public Companies' Financial Statements" related to the presentation of consolidated financial statement above. The ultimate shareholders of PT Panin Financial Tbk are Gunadi Gunawan, Mu'min Ali Gunawan, Muljadi Koesumo and Tidjan Ananto. The ultimate shareholder of Votraint No. 1103 Pty Limited is ANZ Banking Group (Based on Financial Services Authority Regulation No. SR-233/PB.12.2019 dated September 9, 2019). The exchange rates are as of September 30, 2025 USD 1 = Rp 16,665.-; December 31, 2024 USD 1 = Rp 16,095.- and September 30, 2024 USD 1 = Rp 15,140.-. The composition of the Bank's management will change in accordance with the Decision of the Annual General Meeting of Shareholders (AGMS) on June 26, 2025 after the Company's Board of Directors and Board of Commissioners receive the original letter of approval for the fit & proper test in the name of Sugiono Sutanto Janis as Director and Munadi Umar as member of the Company's Board of Commissioners. Jakarta, October 27, 2025 PT BANK PANIN Tbk. Herwidayatmo President Director Hendrawan Danusaputra Deputy President Director

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