20260424_BTPN_Laporan Informasi dan Fakta Material_32073436_lamp3.pdf

PRESS RELEASE
For Immediate Distribution

       SMBC Indonesia Records Positive Performance in Q1-2026, Continues to Drive
                       Collaboration for More Meaningful Growth

Jakarta, April 24, 2026 — PT Bank SMBC Indonesia Tbk. (SMBC Indonesia) continued to record positive
performance both on a consolidated and bank-only bases in Q1-2026, supported by the bank's
collaborative efforts with its subsidiaries to serve various retail and business segments.

As a financial holding company, SMBC Indonesia consistently implements a culture of collaboration
with its subsidiary, PT Bank BTPN Syariah Tbk. (BTPN Syariah) and the OTO Group—a financing
company for two- and four-wheeled vehicles—to support more meaningful shared growth.

SMBC Indonesia President Director Henoch Munandar said that the performance during the period
was supported by loan disbursement growth in Q1-2026 and a strengthened funding structure.

"This sustained loan growth reflects our selective and balanced approach amidst market dynamics,
while prioritizing prudent principles," explained Henoch.

SMBC Indonesia recorded loan disbursement of Rp191.8 trillion in the first quarter of 2026, a 2.0%
year-on-year (yoy) increase. This growth was driven by several segments, including corporate and
commercial loans, which grew 4.1% yoy, loans from Jenius (excluding Digital Micro) by 12.0% yoy, and
OTO Group financing, which increased 5.0% yoy. Financing from BTPN Syariah also grew 3.7% yoy.

On a consolidated basis, the bank also succeeded in reducing credit costs by 7.9% yoy to Rp1.2 trillion,
in line with SMBC Indonesia's efforts to implement prudent and proactive credit risk management
practices and maintain adequate reserve levels to safeguard portfolio quality.

Additionally, SMBC Indonesia's total assets increased by 4.1% yoy to Rp250.0 trillion as of the end of
March 2026, supported by 22.2% yoy growth in liquid assets, primarily from placements in securities.
Net profit after tax (consolidated) attributable to owners of the parent entity was recorded at Rp456
billion. Meanwhile, the bank's net profit alone showed positive growth of 6.5% year-on-year to Rp221
billion, reflecting the bank's continued solid core performance.

The performance of its subsidiaries also contributed positively to SMBC Indonesia's consolidated
performance. BTPN Syariah recorded a net profit of Rp319 billion in the first quarter of 2026, growing
2.8% yoy, with financing disbursement reaching Rp10.6 trillion. Meanwhile, the OTO Group posted a
net profit of Rp113 billion, a 45.5%-yoy increase.

CASA Strengthening Supports a More Efficient Funding Structure

SMBC Indonesia recorded strengthening low-cost funds (current account, savings account, or CASA)
as a key driver of funding quality in the first quarter of 2026. The CASA balance recorded a significant
40.6% yoy increase to Rp59 trillion at the end of March 2026, compared to Rp41.9 trillion in the same
period                    in                      the                   previous                   year.

Consequently, the CASA ratio increased from 35.7% to 44.1%, reflecting the success of the bank's
strategy to optimize the composition of third-party funds for a more efficient and sustainable manner.

"This increase in CASA strengthens the bank's funding structure and supports cost efficiency, thus
maintaining sustainable performance," said Henoch.

CASA growth was driven by contributions from the corporate and commercial segments, as well as
small and medium enterprises (SMEs), in line with increased transaction activity and customer trust in
the bank’s services.