PT Bank Pan Indonesia Tbk : Consolidated Financial Statements PT Bank Panin Tbk and Subsidiaries as of March 31, 2026 (Unaudited)

About this update from Pt Bank Pan Indonesia Tbk

CONSOLIDATED FINANCIAL STATEMENTS PT Bank Panin, Tbk. & Subsidiaries STATEMENTS OF FINANCIAL POSITION AS OF MARCH 31, 2026 AND DECEMBER 31, 2025 (In Millions Rupiah) NO. DESCRIPTION INDIVIDUAL CONSOLIDATED MAR 31, 2026 DEC 31, 2025 MAR 31, 2026 DEC 31, 2025 ASSETS 1. Cash 1,683,048 1,668,496 1,706,767 1,688,021 2. Placement to Bank Indonesia 7,857,627 3,855,334 8,978,943 5,251,779 3. Interbank placement 5,911,287 5,830,621 5,172,323 5,143,744 4. Spot and derivatives / forward claims 20,955 25,596 20,955 25,596 5. Securities held 44,936,101 49,947,785 48,095,052 52,377,756 6. Securites sold under repurchase agreement (repo) 765,296 4,256,811 765,296 4,256,811 7. Claims on securites bought under reverse repo 5,662,920 8,546,644 5,662,920 8,546,644 8. Acceptance claims 1,181,513 1,448,444 1,181,513 1,448,444 9. Loans 118,819,335 123,745,109 140,339,604 145,082,877 10. Sharia financing - - - - 11. Equity investment 3,683,657 3,668,913 844,568 827,455 12. Other financial assets 1,181,825 1,519,008 2,011,024 2,327,692 13. Impairment on financial assets -/- a. Securities held (3) (3) (3) (3) b. Loans and sharia financing (6,362,310) (6,218,943) (6,808,359) (6,639,565) c. Others (14,426) (13,967) (33,683) (29,700) 14. Intangible Assets 983,470 980,300 1,080,178 1,076,507 Accumulated amortisation on intangible assets -/- (409,448) (387,094) (472,714) (448,385) 15. Fixed assets and equipment 9,802,611 9,755,978 10,386,184 10,338,507 Accumulated depreciation on fixed assets and equipments -/- (337,003) (248,666) (450,550) (351,431) 16. Non productive assets a. Abandoned properties 955,512 956,403 955,512 956,403 b. Foreclosed assets 1,597,946 1,597,711 2,932,039 2,931,805 c. Suspense accounts - - - - d. Interbranch assets * - - - - 17. Other assets 2,786,483 2,347,881 2,993,940 2,515,729 TOTAL ASSETS 200,706,396 213,282,361 225,361,509 237,326,686 LIABILITIES AND EQUITIES LIABILITIES 1. Current account 12,484,909 12,597,617 13,522,681 13,337,796 2. Saving account 46,867,454 47,853,352 49,037,861 49,433,074 3. Deposit 74,047,940 81,954,534 84,877,084 94,144,775 4. Electronic money 637 687 637 687 5. Liabilities to Bank Indonesia - - - - 6. Interbank liabilities 1,516,730 3,228,293 1,631,958 3,352,724 7. Spot and derivatives / forward liabilities 18,959 25,922 18,959 25,922 8. Liabilities on securites sold under repurchase agreement (repo) 719,345 4,064,195 719,345 4,064,195 9. Acceptance liabilities 1,183,958 1,450,751 1,183,958 1,450,751 10. Issued securities 9,867,994 7,169,668 11,565,994 7,917,668 11. Loans received - - 2,460,435 2,402,440 12. Margin deposit 163,576 176,986 163,744 177,147 13. Interbranch liabilities * - - - - 14. Other liabilities 1,709,973 1,899,707 2,046,962 2,246,494 15. Minority interest - - 3,837,134 3,797,999 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 -/- (1,577) (1,577) (1,577) (1,577) 17. Additional paid in capital a. Agio 3,427,953 3,427,953 3,427,953 3,427,953 b. Disagio -/- - - - - c. Fund for paid-up capital - - - - d. Other - - (269,072) (269,072) 18. Other comprehensive gain (loss) a. Gain 7,785,519 7,908,076 7,879,479 8,007,333 b. Loss -/- (1,280,431) (33,097) (1,286,880) (33,097) 19. Reserves a. General reserves 36,335,248 36,332,477 36,792,846 36,790,075 b. Appropriated reserves 140,000 140,000 140,000 140,000 20. Gain/loss a. Previous years 2,678,052 1,010,762 4,504,713 2,765,352 b. Current year 631,392 2,678,052 698,530 2,750,044 c. Dividends paid - (1,010,762) - (1,010,762) TOTAL EQUITIES ATTRIBUTABLE TO OWNERS 52,124,921 52,860,649 54,294,757 54,975,014 TOTAL LIABILITIES AND EQUITIES 200,706,396 213,282,361 225,361,509 237,326,686 *stated at net carrying value STATEMENTS OF EARNING ASSET QUALITY AND OTHER INFORMATION AS OF MARCH 31, 2026 AND 2025 (In Millions Rupiah) NO. DESCRIPTION INDIVIDUAL MAR 31, 2026 MAR 31, 2025 C SM S D L TOTAL C SM S D L TOTAL I. RELATED PARTIES 1. Interbank placement a. Rupiah 750,000 - - - - 750,000 1,300,000 - - - - 1,300,000 b. Foreign currency 247,332 - - - - 247,332 140,900 - - - - 140,900 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 221,053 - - - - 221,053 203,233 - - - 21,133 224,366 ii. Foreign currency - - - - - - - - - - - - b. Non micro, small and medium enterprises (UMKM) i. Rupiah 1,273,478 - - - 789,378 2,062,856 1,227,024 549,945 - - 239,386 2,016,355 ii. Foreign currency - - - - - - - - - - - - c. Restructured loans i. Rupiah - - - - 514,947 514,947 45,487 514,947 - - 21,133 581,567 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 552,754 - - - 55 552,809 640,102 102 - - - 640,204 b. Foreign currency - - - - - - - - - - - - II. NON-RELATED PARTIES 1. Interbank placement a. Rupiah 1,408,350 - - - - 1,408,350 1,765,302 - - - - 1,765,302 b. Foreign currency 3,505,605 - - - - 3,505,605 3,221,067 - - - - 3,221,067 2. Spot and derivatives / forward claims a. Rupiah 19,763 - - - - 19,763 42,848 - - - - 42,848 b. Foreign currency 1,192 - - - - 1,192 - - - - - - 3. Securities held a. Rupiah 43,555,623 - - - 71,420 43,627,043 38,278,542 - - - 71,168 38,349,710 b. Foreign currency 1,309,058 - - - - 1,309,058 1,295,721 - - - - 1,295,721 4. Securities sold under repurchase agreement (repo) a. Rupiah 765,296 - - - - 765,296 8,530,396 - - - - 8,530,396 b. Foreign currency - - - - - - - - - - - - 5. Claims on securities bought under reverse repo a. Rupiah 5,662,920 - - - - 5,662,920 5,348,942 - - - - 5,348,942 b. Foreign currency - - - - - - - - - - - - 6. Acceptance claims 1,181,513 - - - - 1,181,513 1,562,917 - - - - 1,562,917 7. Loans and financing provided a. Micro, small and medium enterprises (UMKM) i. Rupiah 18,945,995 712,138 63,539 135,409 532,058 20,389,139 19,651,750 861,628 70,628 107,190 564,266 21,255,462 ii. Foreign currency 48,628 - - - - 48,628 56,469 - - - - 56,469 b. Non micro, small and medium enterprises (UMKM) i. Rupiah 80,319,584 7,762,727 100,775 116,819 1,431,164 89,731,069 83,749,538 8,299,529 439,824 224,550 2,290,627 95,004,068 ii. Foreign currency 6,182,592 120,358 - - 63,640 6,366,590 5,789,320 123,328 - - 62,013 5,974,661 c. Restructured loans i. Rupiah 4,621,930 6,956,220 41,819 83,969 991,647 12,695,585 5,326,520 7,491,084 360,345 154,226 1,998,474 15,330,649 ii. Foreign currency 881,217 120,358 - - - 1,001,575 921,722 123,328 - - - 1,045,050 8. Equity investment 171,702 - - - - 171,702 129,001 - - - - 129,001 9. Other receivables 11,000 - - - - 11,000 - - - - - - 10. Commitments and contingencies a. Rupiah 37,242,319 120,921 840 696 1,588 37,366,364 36,838,578 126,316 393 1,001 3,338 36,969,626 b. Foreign currency 3,258,358 - - - - 3,258,358 4,410,696 - - - - 4,410,696 III. OTHER INFORMATIONS 1. Assets pledged as collateral : a. To Bank Indonesia - - b. To other parties - - 2. Foreclosed assets 1,597,946 1,547,557 STATEMENTS OF CASH FLOWS FOR THE THREE MONTHS PERIOD ENDED MARCH 31, 2026 AND 2025 (In Millions Rupiah) DESCRIPTION CONSOLIDATED MAR 31, 2026 MAR 31, 2025 CASH FLOWS FROM OPERATING ACTIVITIES Interest, loan commissions and fees received 4,089,581 3,841,729 Interest, prizes, fund commissions and fees paid (1,534,547) (1,854,696) Other operating revenues received 348,005 285,104 Other operating expenses paid (1,459,338) (1,486,307) Gain on foreign exchange transactions - net 35,066 33,665 Non-operating income received - net 25,297 13,855 Income tax expense paid (197,780) (206,605) Operating cash flows before changes in operating assets and liabilities 1,306,284 626,745 Decrease (Increase) in operating assets Securities (measured at fair value through profit or loss) (139,469) 6,412,600 Loans 4,806,153 3,771,052 Securities purchased with agreements to resell 2,883,724 (4,253,475) Finance lease receivables (33,226) 12,642 Consumer financing receivables (138,708) (69,160) Sales and lease-back receivables 18,584 12,916 Factoring receivables (829) - Other assets (219,601) (68,139) Increase (Decrease) in operating liabilities Liabilities payable immediately 141,626 (26,297) Deposits (9,478,020) (2,783,505) Deposits from other banks (770,765) (409,540) Acceptances payable 138 845 Securities sold with agreements to repurchase (3,344,850) (12,949,634) Other liabilities (93,940) 21,859 Net cash Used in Operating Activities (5,062,899) (9,701,091) CASH FLOWS FROM INVESTING ACTIVITIES Securities sold (purchased) (other than those measured at fair value throught profit or loss) (3,207,046) (5,916,652) Proceed from securities sold and matured (other than those measured at fair value throught profit or loss) 9,326,478 11,673,271 Proceeds from sale of premises and equipment 337 2,551 Acquisition of premises and equipment and right-of-use assets (72,123) (52,732) Acquisition of intangible assets (17,988) (19,627) Net cash Provided by Investing Activities 6,029,658 5,686,811 CASH FLOWS FROM FINANCING ACTIVITIES Post-employment benefits liability payment - (41,320) Bonds issuance cost (16,616) - Issuance of securities by parent entity 2,712,000 - Lease liability payment (26,480) (32,369) Borrowings repayment by subsidiaries (576,187) (565,474) Borrowings received by subsidiaries 634,699 635,000 Net cash Provide by (Used in) Financing Activities 2,727,416 (4,163) NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 3,694,175 (4,018,443) CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 12,083,544 17,855,635 Effect of foreign exchange rate changes 80,313 158,531 CASH AND CASH EQUIVALENTS AT END OF PERIOD 15,858,032 13,995,723 Cash and cash equivalents consist of: Cash on hand 1,706,767 2,002,965 Demand deposits with Bank Indonesia 8,540,624 5,618,262 Demand deposits with other banks 743,208 752,654 Placements with Bank Indonesia and other banks 4,867,433 5,621,842 Total cash and cash equivalents 15,858,032 13,995,723 CAPITAL ADEQUACY RATIO (CAR) AS OF MARCH 31, 2026 AND 2025 (In Millions Rupiah) COMPONENTS OF CAPITAL MAR 31, 2026 MAR 31, 2025 INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED I. Core Capital (Tier 1) 45,715,462 51,332,827 45,823,660 51,302,419 1 Core Capital/Common Equity Tier 1 (CET 1) 45,715,462 51,332,827 45,823,660 51,302,419 1.1 Paid-in Capital (net of Treasury Stock) 2,407,187 2,407,187 2,408,155 2,408,155 1.2 Capital Additional Reserves 47,678,878 49,552,590 47,269,796 49,003,053 1.2.1 Additional Tier 1 51,185,201 53,634,189 49,393,301 51,718,710 1.2.1.1 Other comprehensive income 8,112,555 8,210,147 7,950,268 8,048,650 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 - - - - 1.2.1.1.3 Surplus of fixed assets revaluation 8,112,555 8,210,147 7,950,268 8,048,650 1.2.1.2 Other capital additional reserves (other disclosed reserves) 43,072,646 45,424,042 41,443,033 43,670,060 1.2.1.2.1 Agio 3,427,953 3,427,953 3,440,707 3,440,707 1.2.1.2.2 General reserves 36,335,248 36,792,846 34,708,855 35,171,603 1.2.1.2.3 Previous year profit 2,678,052 4,504,713 2,577,514 4,326,245 1.2.1.2.4 Current year profit 631,393 698,530 715,957 731,505 1.2.1.2.5 Funds for paid-in capital - - - - 1.2.1.2.6 Others - - - - 1.2.2 Deduction Tier 1 (3,506,323) (4,081,599) (2,123,505) (2,715,657) 1.2.2.1 Other comprehensive income (1,565,720) (1,568,956) (581,605) (602,138) 1.2.2.1.1 Deficit 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 (1,565,720) (1,568,956) (581,605) (602,138) 1.2.2.2 Other capital additional reserves (other disclosed reserves) (1,940,603) (2,512,643) (1,541,900) (2,113,519) 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 (1,940,603) (2,512,643) (1,541,900) (2,113,519) 1.2.2.2.7 Others - - - - 1.3 Non Controlling Interest - 1,005,526 - 961,135 1.4 Deduction Core Capital (4,370,603) (1,632,476) (3,854,291) (1,069,924) 1.4.1 Deffered tax calculated (130,406) (197,926) (42,014) (94,834) 1.4.2 Goodwill - - - - 1.4.3 Other intangible assets (574,022) (607,464) (188,782) (222,706) 1.4.4 Investments in shares (3,666,175) (827,086) (3,623,495) (752,384) 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) 1,209,578 1,413,847 1,340,030 1,528,918 1 Capital Instrument in the form of Stock or others which comply with Tier 2 50,000 50,000 136,800 136,800 2 Agio/Disagio - - - - 3 General provision on earning assets (max. 1.25% Credit Risk Weighted Assets) 1,159,578 1,363,847 1,203,230 1,392,118 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 46,925,040 52,746,674 47,163,690 52,831,337 MAR 31, 2026 MAR 31, 2025 MAR 31, 2026 MAR 31, 2025 INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED RISK WEIGHTED ASSETS CAPITAL ADEQUACY RATIO CREDIT RISK - WEIGHTED ASSETS 110,695,587 130,873,940 114,567,377 132,840,392 CET 1 Ratio (%) 37.74% 36.08% 35.80% 34.84% MARKET RISK - WEIGHTED ASSETS 2,042,272 2,042,272 5,462,987 5,463,240 Tier 1 Ratio (%) 37.74% 36.08% 35.80% 34.84% OPERATIONAL RISK -WEIGHTED ASSETS 8,397,670 9,348,152 7,955,960 8,946,359 Tier 2 Ratio (%) 1.00% 0.99% 1.05% 1.04% TOTAL RISK WEIGHTED ASSETS 121,135,529 142,264,364 127,986,324 147,249,991 Capital Adequacy Ratio (%) 38.74% 37.07% 36.85% 35.88% CAR BASED ON RISK PROFILE 9.70% 9.69% 9.44% 9.47% CET 1 for Buffer (%) 29.04% 27.38% 27.41% 26.41% CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FILLED BY BANK (%) From CET 1 (%) 8.70% 8.70% 8.39% 8.43% 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 (%) 1.00% 0.99% 1.05% 1.04% Capital surcharge for D-SIB (%) 1.000% 1.000% 1.000% 1.000% STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE THREE MONTHS PERIOD ENDED MARCH 31, 2026 AND 2025 (In Millions Rupiah) NO. DESCRIPTION INDIVIDUAL CONSOLIDATED MAR 31, 2026 MAR 31, 2025 MAR 31, 2026 MAR 31, 2025 OPERATIONAL INCOME AND EXPENSES A. Interest income and expenses 1. Interest income 3,230,663 3,334,005 3,838,786 3,931,112 2. Interest expenses 1,262,608 1,496,713 1,506,582 1,761,093 Net interest income (expenses) 1,968,055 1,837,292 2,332,204 2,170,019 B. Operational Income and Expenses Other than Interest 1. Positive (negative) mark to market on financial assets (54,827) 22,623 (54,827) 22,623 2. Positive (negative) mark to market on financial liabilities - - - - 3. Gain (loss) on sale of financial assets 75,886 66,777 75,886 66,777 4. Gain (loss) on spot and derivatives / forward (realised) 14,812 15,215 14,812 15,215 5. Gain (loss) on investment under equity method - - 2,427 (5,726) 6. Gain (loss) on foreign exchange translation 3,908 (42) 3,908 (42) 7. Dividend income - - - - 8. Commision/provision/fee and administration income 84,589 105,647 139,072 150,436 9. Other income 180,380 176,668 247,369 246,957 10. Provision (recovery) of financial assets' impairment 224,861 97,008 350,724 263,376 11. Losses on operational risk 961 1,487 961 1,498 12. Personnel expenses 497,832 510,752 636,927 643,657 13. Promotion expenses 10,026 5,072 13,061 10,043 14. Other expenses 728,894 694,613 818,785 789,165 Net Operational Income (Expenses) Other than Interest (1,157,826) (922,044) (1,391,811) (1,211,499) OPERATIONAL PROFIT (LOSS) 810,229 915,248 940,393 958,520 NON OPERATIONAL INCOME (EXPENSES) 1. Gain (loss) on sale of fixed assets and equipment 238 1,121 564 1,061 2. Other non operational income (expenses) 121 3,002 (1,108) 1,494 NON OPERATIONAL PROFIT (LOSS) 359 4,123 (544) 2,555 CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 810,588 919,371 939,849 961,075 Income taxes a. Estimated current period tax -/- 185,533 199,461 204,268 206,605 b. Deferred tax income (expenses) 6,337 (3,953) 7,724 (5,022) NET PROFIT (LOSS) 631,392 715,957 743,305 749,448 MINORITY INTEREST PROFIT (LOSS) 44,775 17,943 OTHER COMPREHENSIVE INCOME 1. Items that will not be reclassified to profit or loss a. Gain on fixed asset revaluation 205 889 205 889 b. Gain (loss) on defined benefit actuarial program - - - - c. Others - - (58) (33) 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 (1,367,325) 186,942 (1,384,574) 195,502 c. Others - - - - OTHER COMPREHENSIVE INCOME OF THE CURRENT PERIOD - NET OF APPLICABLE INCOME TAX (1,367,120) 187,831 (1,384,427) 196,358 CURRENT PERIOD TOTAL COMPREHENSIVE INCOME (735,728) 903,788 (641,122) 945,806 Profit attributable to: 631,392 715,957 EQUITY HOLDERS OF THE PARENT ENTITY 698,530 731,505 NON CONTROLLING INTEREST 44,775 17,943 CURRENT PERIOD TOTAL PROFIT 631,392 715,957 743,305 749,448 Total Comprehensive Profit (Loss) Attributable to: (735,728) 903,788 EQUITY HOLDERS OF THE PARENT ENTITY (680,257) 925,065 NON CONTROLLING INTEREST 39,135 20,741 TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE CURRENT PERIOD (735,728) 903,788 (641,122) 945,806 TRANSFER OF PROFIT (LOSS) TO HEAD OFFICE - - - - DIVIDEND - - - - NET EARNINGS (LOSS) PER SHARE 26.23 29.72 29.02 30.37 IMPAIRMENT LOSS ALLOWANCE AS OF MARCH 31, 2026 AND 2025 (In Millions Rupiah) No. Description MAR 31, 2026 MAR 31, 2025 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 1,344 - - 59,113 - 1,574 - - 64,273 - 2. Spot and derivatives / forward claims - - - 210 - - - - 428 - 3. Securities held 315 66,090 - 6,635 71,420 17 64,985 - 2,203 71,168 4. Securities sold under repurchase agreement (repo) - - - - - - - - - - 5. Claims on securities bought under reverse repo 2,937 - - - - 2,370 - - - - 6. Acceptances claims 5,867 - - 8,798 - 6,033 - - 11,888 - 7. Loans and financing provided 751,734 743,967 4,866,609 1,035,324 1,685,055 685,194 679,096 5,883,525 1,074,957 1,883,544 8. Equity investment - - - 36,837 - - - - 36,410 - 9. Other receivables 1 - - 110 - - - - - - 10. Commitment and contingencies 40,745 342 1 12,551 8,163 41,763 1,062 14 13,071 10,201 STATEMENTS OF COMMITMENTS AND CONTINGENCIES AS OF MARCH 31, 2026 AND DECEMBER 31, 2025 (In Millions Rupiah) NO. DESCRIPTION INDIVIDUAL CONSOLIDATED MAR 31, 2026 DEC 31, 2025 MAR 31, 2026 DEC 31, 2025 I. COMMITTED CLAIMS 1. Unused borrowing / financing - - - - 2. Foreign currency positions to be received from spot and derivative / forward transactions 5,119,564 4,087,810 5,119,564 4,087,810 3. Others - - - - II. COMMITTED LIABILITIES 1. Undisbursed loan / financing facilities to debtors a. Committed 29,663,557 29,522,492 30,554,947 30,328,807 b. Uncommitted 9,541,049 8,425,494 11,386,908 10,112,564 2. Outstanding irrevocable L/C 754,292 649,369 754,292 649,369 3. Foreign currency positions to be submitted for spot and derivative / forward transactions 4,965,931 4,110,885 4,965,931 4,110,885 4. Others - - - - III. CONTINGENT CLAIMS 1. Received guarantees - - - - 2. Others 1,425,360 1,469,465 1,425,360 1,469,465 IV. CONTINGENT LIABILITIES 1. Issued guarantees 1,218,633 1,167,715 1,560,088 1,407,643 2. Others 246,143 233,618 246,143 233,618 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 : Munadi Umar - 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 - Director : Sugiono Sutanto Janis SHAREHOLDERS I. Ultimate Shareholder : 3) Through : - 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 MARCH 31, 2026 AND 2025 (in %) MAR 31, 2026 MAR 31, 2025 Performance Ratio Consolidated 1. Capital Adequacy Ratio (CAR) 37.07 35.88 2. Non performing earning assets and non earning assets to total earning assets and non earning assets 3.21 3.39 3. Non performing earning assets to total earning assets 2.11 2.34 4. Impairment provision on financial assets to total earning assets 3.42 3.75 5. Gross NPL 3.00 3.33 6. Net NPL 1.11 0.89 7. Return on Asset (ROA) 1.58 1.64 8. Return on Equity (ROE) 5.40 5.74 9. Net Interest Margin (NIM) 4.60 4.16 10. Operating Expense to Operating Revenue 77.96 78.35 11. Cost to Income Ratio (CIR) 53.24 54.45 Individual 1. Capital Adequacy Ratio (CAR) 38.74 36.85 2. Non performing earning assets and non earning assets to total earning assets and non earning assets 2.57 2.79 3. Non performing earning assets to total earning assets 1.83 2.16 4. Impairment provision on financial assets to total earning assets 3.58 3.88 5. Gross NPL 2.72 3.23 6. Net NPL 0.70 0.64 7. Return on Asset (ROA) 1.60 1.77 8. Return on Equity (ROE) 5.44 6.32 9. Net Interest Margin (NIM) 4.44 3.97 10. Operating Expense to Operating Revenue 77.08 75.40 11. Loan to Deposit Ratio (LDR) 89.05 90.45 12. Cost to Income Ratio (CIR) 54.47 54.82 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 *) 5.47 3.59 - Average **) 5.92 5.22 b. Reserve requirement - Foreign currency (daily) *) 4.01 4.01 3. Net Open Position 0.46 0.10 *) Realization of Daily Primary Reserves as of March 31, 2026 and 2025 **) Realization of Average Primary Reserves as of March 31, 2026 and 2025 CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY FOR THE THREE MONTHS PERIOD ENDED MARCH 31, 2026 AND 2025 (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 Surplus 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, 2025 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 Transfer of surplus revaluation of premises and equipment to retained earning arising from sale of revalued premises and equipment - - - - (5,280) - - - - 5,280 - - - Net income for the current period - - - - - - - - - 731,505 731,505 17,943 749,448 Other comprehensive income-after tax - - - - 889 - 192,704 (33) - - 193,560 2,798 196,358 Balance as of March 31, 2025 2,408,765 (610) 3,440,707 (269,072) 7,661,308 37,404 (402,881) 4,441 140,000 40,229,353 53,249,415 3,766,007 57,015,422 Treasury Stock - (967) - - - - - - - - (967) - (967) Additional Paid-in Capital - - (12,754) - - - - - - - (12,754) - (12,754) 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 - - - - (57,579) - - - - 57,579 - - - Net income for the current period - - - - - - - - - 2,018,539 2,018,539 102,431 2,120,970 Other comprehensive income-after tax - - - - 180,198 (72,245) 624,473 (883) - - 731,543 26,215 757,758 Balance as of December 31, 2025 2,408,765 (1,577) 3,427,953 (269,072) 7,783,927 (34,841) 221,592 3,558 140,000 41,294,709 54,975,014 3,797,999 58,773,013 Transfer of surplus revaluation of premises and equipment to retained earning arising from sale of revalued premises and equipment - - - - (2,850) - - - - 2,850 - - - Net income for the current period - - - - - - - - - 698,530 698,530 44,775 743,305 Other comprehensive income-after tax - - - - 205 - (1,378,934) (58) - - (1,378,787) (5,640) (1,384,427) Balance as of March 31, 2026 2,408,765 (1,577) 3,427,953 (269,072) 7,781,282 (34,841) (1,157,342) 3,500 140,000 41,996,089 54,294,757 3,837,134 58,131,891 STATEMENTS OF FOREIGN EXCHANGE AND DERIVATIVE / FORWARD TRANSACTION AS OF MARCH 31, 2026 (In Millions Rupiah) No. Transaction Individual Notional Amount Type Derivatives Receivables and Payables Trading Hedging Receivables Payables A. Exchanged Rate Related 1. Spot 3,331,367 3,331,367 - 1,224 1,005 2. Forward 1,977,866 1,977,866 - 3,748 7,773 3. Option a. Written - - - - - b. Purchased - - - - - 4. Future - - - - - 5. Swap 4,572,327 4,572,327 - 15,316 10,181 6. Others 203,934 203,934 - 667 - B. Interest Rate Related 1. Forward - - - - - 2. Option a. Written - - - - - b. Purchased - - - - - 3. Future - - - - - 4. Swap - - - - - 5. Others - - - - - C. Others - - - - - TOTAL 10,085,494 10,085,494 - 20,955 18,959 Notes: Business Matching Selebrasi Hijau Pembiayaan Indonesia 2025 - Bank Indonesia Most Engage Dealer (Repo Category) -IDX SPPA Awards 2025 High Market Capitalization - 2025 - Tempo-IDNFinancials 52 US Dollar Payment - Straights Through Processing Excellent Award 2025 - Citibank US Dollar Clearing MT103 99.92% - 2025 Elite Quality Recognition Award - JP Morgan USD Clearing payment - STP Award - 2025 - Standard Chartered STP award 2024 - Bank of New York The Best Conventional Bank in Excellent Website - 22 nd Indonesian Best Bank Service Excellence 2025 - Infobank dan MRI The Best Conventional Bank in Excellent Branch ATM - 22 nd 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 The financial information as of and for the year ended December 31, 2025, was derived from the consolidated financial statements, which have been audited by Public Accounting Firm Liana Ramon Xenia & Rekan ("LRX"), with engagement partner Fonny Alimin, CPA expressing an unmodified opinion. LRX is a 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 (the "Relevant Law")) of Deloitte Southeast Asia Limited ("DSEAL"). DSEAL is the registered Foreign Audit Organisation ("Organisasi Audit Asing" or "OAA") to LRX for the purposes of the Relevant Law. LRX is a legally separate and independent entity liable for its own acts and omissions and it cannot obligate or bind DSEAL in respect of third parties. 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 Mu'min Ali Gunawan. The ultimate shareholder of Votraint No. 1103 Pty Limited is ANZ Banking Group. The exchange rates are as of March 31, 2026 USD 1 = Rp16,994.50 ; December 31, 2025 USD 1 = Rp 16,675.- and March 31, 2025 USD 1 = Rp 16,560.-. Jakarta, April 30, 2026 PT BANK PANIN Tbk. Herwidayatmo President Director Hendrawan Danusaputra Deputy President Director

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