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1Q26 Results Presentation PT Bank Tabungan Negara (Persero) Tbk . Jakarta, 15 April 2026
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IMPORTANT : The following forms part of, and should be read in conjunction with, the other material
in this presentation
This presentation contains privileged information and has been prepared solely for the recipient(s) . By accepting a copy (or the contents) of this
presentation, you are deemed to have acknowledged and agreed to the provisions appearing hereinafter . The existence of this presentation and the
contents thereof should not be disclosed, reproduced, copied or otherwise disseminated to any other person or published, in whole or in part, without
prior consent of PT Bank Tabungan Negara (Persero) Tbk . (“BTN” or the “Company”) .
This presentation does not constitute or form part of any offer for sale or invitation, or solicitation of an offer, to subscribe for or purchase any securities
and neither this document nor anything contained herein shall form the basis of or be relied on in connection with any contract or commitment whatsoever .
Any decision to purchase or subscribe for securities should be made only on the basis of the information contained in a prospectus or offering circular
issued by the Company in connection with any such offering .
Information and opinions contained in this presentation are provided for reference of the recipients only and are not to be relied upon as authoritative or
without the recipient’s own independent verification or taken in substitution for the exercise of the recipient’s own judgment . Any reference to past
performance should not be taken as an indication of future performance . In furnishing the presentation, the Company has not undertaken to provide the
recipient(s) with access to any additional information or updates . None of the Company warrant or guarantee whatsoever that this presentation will lead to
the successful completion, or consummation, of any transactions whether or not under contemplation .
Accordingly the Company disclaims any liability whatsoever in connection therewith and with any decisions that might be taken upon the basis of this
presentation, directly or indirectly . In particular, the Company owe no duty to the recipient (except as required by applicable laws) to exercise any
judgment on its behalf as to the merits or suitability of any transaction . The recipient agrees that the merits or suitability of any such transaction to its
particular situation will be independently determined by the recipient including consideration of the legal, tax, accounting, regulatory, financial and other
related aspects there of .
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Material Presentation Annual Report Sustainability Report
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Table of Contents
Macroeconomics & Management Highlights 05
Digital Initiatives 19
2026 : Strengthening E ngine for S ustainable F unding 25
BTN Financial Highlights 28
Asset Quality 41
ESG Update 47
Bank Only : Financial Highlights 62
Subsidiaries : Bank Syariah Nasional 64
Appendix 69
4
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Macroeconomics & Management Highlights
Page 6
Macroeconomic Highlights
Commodity Prices Rallied Owing to Widening Spread between IDRG10years and
Geopolitical Reason DXY vs IDR
UST10years
Spread IDR - USD (RHS)
Brent Oil (LHS) Coal (LHS) CPO (RHS) DXY (LHS) USD/IDR (RHS) (% ) IDRG10Y (LHS) (bps)
115.0 14,000
6,000 USDT10Y (LHS)
150 142.5
14,500 7.5 6.9 6.8 340
4,729 5,000 110.0 6.6
106.1
7.0
130 15,000 6.5 6.1 290
4,013 4,000 105.0 6.0
110 15,500 240
118.4 100.0 5.5
3,000 16,200
114.6 100.0 16,000 5.0 4.2 4.4 4.3 190
90 4.2
2,000 4.5
16,500 4.0 140
70 95.0 16,450 3.5
1,000 96.8 17,000 90
67.5 17,041 3.0
50 - 90.0 17,500 2.5 40
Mar-25
Mar-26
Mar-24
Mar-25
Mar-26
Dec-25
Mar-25
Mar-24
Sep-25
Mar-26
Jun-25
Dec-24
Mar-24
Sep-24
Jun-24
Dec-25
Sep-25
Jun-25
Dec-25
Dec-24
Sep-24
Sep-25
Jun-24
Jun-25
Dec-24
Sep-24
Jun-24
Higher Inflation due to Seasonality Consumer Confidence Index Remains Strong
Key Takeaways
(% ) CPI mom (LHS) CPI yoy (RHS) (% ) CCI Avg. 5 Years CCI ▪ Amid global turmoil, most commodity prices have
risen , posing risks to the economy .
2.0 1.6 6.0
127.7
4.8 127.0 ▪ Simultaneously, stronger DXY has put pressure on
1.5 5.0
125.2 Rupiah, which depreciated by 2 .2 % ytd as of March
3.0 4.0 2026 and keeping the Indonesian 10- year
1.0 2.9 123.5 122.9 government bond yield elevated at 6 .8 % .
0.4 3.5 3.0
0.5 0.4 122.6
1.6 0.6 2.0 ▪ Inflation reached 3 .5 % yoy in March 2026 , driven by
- a low base effect from electricity tariff discounts in
1.0
-0.5 1Q25 , with administered prices increased by 6 .1%
- 115.0
1.0 yoy .
-1.0 -1.0
▪ The Consumer Confidence Index (CCI) remained
Mar-25
Mar-26
Mar-24
Dec-25
Sep-25
Jun-25
Dec-24
Sep-24
Jun-24
Mar-25
Mar-26
Mar-24
Feb-26
Dec-25
Sep-25
Jun-25
Dec-24
Sep-24
Jan-26
Jun-24
strong at 122 .9 in Maret 2026 .
Source : Bloomberg, Bank Indonesia, Statistics Indonesia 6
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Banking Sector Highlights
Deposit growth continued to Outpace Lead to a lower Loan to Deposit Ratio Resulting to lower Time deposit rate across all
loan growth came from dana SAL placement tenors
(% yoy ) Deposit Growth Loan Growth (% ) (% )
90.1 1 Month 3 Months 6 Months 12 Months
90.1
10.3 10.8
9.6 88.7
9.7 10.2
4.7
4.6
2.8 4.5
4.1
Mar-25
Mar-24
Mar-25
Mar-25
Mar-24
Mar-24
Dec-25
Sep-25
Dec-23
Jun-25
Dec-24
Sep-24
Jan-26
Dec-25
Dec-25
Jun-24
Sep-25
Sep-25
Dec-23
Dec-23
Jun-25
Jun-25
Dec-24
Dec-24
Sep-24
Sep-24
Jan-26
Jan-26
Jun-24
Jun-24
Key Takeaways
Supported by CASA growth Manageable NPL
▪ Liquidity remains robust as deposit growth
(% yoy ) (%) Working Capital Investment Consumer continues to exceed loan growth, bringing the Loan
M2 CASA Total Deposits
to Deposit Ratio to 88 .7% as of January 2026 .
2.8
13.7 ▪ Time deposit rates has eased down across all
2.6
2.5 tenors , with 1- month tenor rate of 4 .1% .
9.9 2.3
10.8 ▪ Broad money (M 2 ) grew by 10.0 % yoy in January
1.8 1.9
9.6 10.0 2026 , while CASA increased by 13.7% yoy ,
3.5 indicating ample liquidity .
1.8
2.8 4.8 1.5 ▪ NPL ratios inline with with consumer loan recorded
1.4 at 2 .3 % .
1.6
Mar-25
Mar-24
Dec-25
Sep-25
Mar-25
Jun-25
Dec-24
Sep-24
Mar-24
Jan-26
Jun-24
Dec-25
Sep-25
Dec-23
Jun-25
Dec-24
Sep-24
Jan-26
Jun-24
Source : Bank Indonesia (SEKI), Financial Services Authority (SPI OJK) 7
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Liquidity Highlights
SRBI and IDRG10years yield increased as the BI absorb the liquidity back New Awarded vs maturity (IDR Tn)
Awarded Matured (IDR)
(% ) Weighted Average SRBI Rate BI Rate IDRG10Y
8.0 115.0
7.5 95.0 102.3
7.5 7.2 85.0 81.0 81.0 85.7
70.5 26.3
6.8 55.3
7.0 6.7 36.0 28.0 31.0 48.3 47.5
6.5 6.9 6.25 6.1 - 36.6 - 30.3 - 40.3 - 39.8 - 32.5 - 32.3
- 54.8 - 61.9
6.0 6.4 6.4 5.5 - 80.5 - 84.3 - 84.9
5.5 6.0 - 95.4
5.75 5.75 4.9 - 114.6
5.0 4.75 - 137.2
- 155.0
4.5
4.6
Mar-25
Mar-26
Mar-24
Dec-25
Sep-25
Dec-23
Sep-23
Jun-25
Dec-24
Sep-24
Jun-24
Mar-25
Mar-26
Apr-25
May-25
Oct-25
Nov-25
Feb-25
Aug-25
Jul-25
Feb-26
Dec-25
Sep-25
Jun-25
Jan-25
Jan-26
SRBI Outstanding uptick from the lowest on Oct - 25
Key Takeaways
(IDR Tn) ▪ SRBI rate showed an upward trend to 5 .5 % by March 2026 , reflecting
969.2
960.7
higher liquidity cost .
927.6
923.5
920.8
894.0
893.4
891.1
881.8
867.4
860.3
837.2
831.2
▪ The Indonesian
783.0
10- year government bond yield increased to 6 .8 % as of
754.8
740.8
730.9
723.2
721.1
715.6
709.1
705.8
March 2026 .
558.2
▪ SRBI's outstanding stood at IDR 831 .2 Tn as of March 2026 , indicating
410.7
405.0
399.4
350.0
liquidity being absorbed back from the system, yet still below its peak
254.5
197.7
outstanding at IDR 969 .2 Tn in Nov - 24 ).
130.2
71.5
▪ Bank Indonesia maintained its reference rate at 4 .75 % in March 2026 (vs
6 .00 % in Jan - 25 ).
Mar-25
Mar-26
Mar-24
Apr-25
May-25
Oct-25
Oct-23
Apr-24
Oct-24
Nov-25
May-24
Feb-25
Nov-23
Aug-25
Jul-25
Feb-26
Dec-25
Nov-24
Sep-25
Feb-24
Dec-23
Aug-24
Sep-23
Jul-24
Jun-25
Dec-24
Jan-25
Sep-24
Jan-26
Jun-24
Jan-24
Source : Bank Indonesia (Monetary Operation), Bloomberg, processed . 8
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-2
4
0
7
8
10
13
10
12
1 0.9
4 3.5
6 5.4
2 1.6
Dec-21 Dec-21
Mar-22 Mar-22
HPI Type 45
Jun-22 Jun-22
Source : BTN HPI 1Q26
Sep-22 Sep-22
6.7
1.8
Dec-22
6.8
1.8
Dec-22
Mar-23 Mar-23
National House Price Index
Jun-23 Jun-23
BTN-HPI
Sep-23 Sep-23
BTN-HPI
2.0
9.2
Dec-23
8.3
1.4
Dec-23
Mar-24
Mar-24
Jun-24
QoQ
QoQ
Jun-24
Sep-24
Sep-24
4.4
1.4
Dec-24
6.4
1.7
Dec-24
YoY
Mar-25 YoY Mar-25
Jun-25
Jun-25
4.6
1.6
Sep-25
0.6
4.9
Sep-25
Dec-25
BTN House Price Index (HPI) as of March 2026
Dec-25
Mar-26
4.5
Mar-26
0
0.8 50
0
100
150
200
250
1.2 20
40
5.3 60
80
120
100
4
0
8
10
12
-2
4
7
10
13
6 6.2
2 1.9
Dec-21
Dec-21
6.0
1 1.1
Mar-22 Mar-22
Jun-22 Jun-22
HPI Type 36
HPI Type 70
Sep-22 Sep-22
7.0
1.7
Dec-22 Dec-22
5.9
2.7
Mar-23 Mar-23
Jun-23 Jun-23
Sep-23
BTN-HPI
BTN-HPI
Sep-23
7.7
Dec-23
1.1
Dec-23
1.3
Mar-24
10.5
Mar-24
QoQ
Jun-24 Jun-24
QoQ
Sep-24 Sep-24
7.6
1.8
Dec-24 Dec-24
YoY
YoY
5.6
1.9
Mar-25 Mar-25
Jun-25 Jun-25
0.9
4.8
0.2
Sep-25
5.2
Sep-25
Dec-25 Dec-25
0.6
Mar-26
6.3
Mar-26
0
0
50
1.5 20
40
60
80
100
120
150
200
250
3.6 100
9
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Policy Update on FLPP - Affordable Vertical Housing Program
New Policy Update on Affordable Vertical Housing Program
FLPP Target in 2026
Regulation Kepmen No. 995/2021 Kepmen No. 23/2026
Landed
High Rise
Price
IDR 8.8 – 9.6 Mn per m 2 (e.g. Jakarta) IDR 13.5 – 14.5 Mn per m 2 (e.g. Jakarta)
House
FLPP 2026 (5% interest rate)
Tenor Up to 20 Years Up to 30 Years 350,000 Units
High Rise
Interest Rate 5% 6%
(6 % interest rate)
Other Scheme
Unit Area 21 – 36 m 2 21 – 45 m 2
Government SMF: Subsidy:
Annual Budget: IDR 6.6 Tn IDR 5.6 Tn
Price Range per M 2 in Each Region IDR 33.5 Tn
(75 % budget allocation) (25 % budget allocation)
High Rise
Kepmen No. 995/2021 Kepmen No. 23/2026 % increase
Price
2 2
SBUM: SSB:
Jabodetabek IDR 8.4 – 9.6 Mn per m IDR 13.0 – 14.5 Mn per m 51% – 55% IDR 1.2 Tn IDR 4.4 Tn
IDR 7.8 – 10.0 Mn per m 2 IDR 10.0 – 13.5 Mn per m 2 28% – 35%
Sumatera • The government has set the national target for FLPP to 350 ,000 units with
a total budget of IDR 40 .1 Tn , 75 % coming from Government Annual
Java IDR 7.2 – 7.9 Mn per m 2
IDR 11.0 – 12.5 Mn per m 2 53% – 58% budget of IDR 33 .5 Tn , while remaining IDR 6 .6 Tn sourced from SMF .
• The lending rate on landed house is fixed at 5 .0 % with tenor max of 20
Bali & Nusa 2 2 years, while the high - rise is fixed at 6 .0 % (previously 5 .0 % ) with a tenor of
IDR 8.3 – 8.6 Mn per m IDR 10.0 – 13.0 Mn per m 20% – 51%
Tenggara up to 30 years .
• On FLPP funding structure, the portion from government is 75 % placed in
2 2
Kalimantan IDR 9.0 – 9.9 Mn per m IDR 12.0 – 14.0 Mn per m 33% – 41% the bank’s current account instrument with 0 .5% rate, the remaining 25 %
funding is coming from SMF with 4 .45 % rate .
Sulawesi & 2 2
IDR 6.9 – 9.6 Mn per m IDR 10.0 – 14.0 Mn per m 45% – 46%
Maluku Definition :
• SMF : Special Purpose Vehicle for Mortgage Disbursement
Papua IDR 10.7 – 15.7 Mn per m 2 IDR 13.5 – 28.0 Mn per m 2 26% – 78% • SBUM : Down Payment Assistance Subsidy
• SSB : Interest Rate Subsidy .
Source : Ministry of Public Works and Housing (2021 ), Ministry of Housing and Residential Area (2026 )
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Embarking on a New Journey through Ecosystem - driven Business Approach
Education
Tap Beyond Mortgage on
ituti ESG Initiatives
st
l In Go
a ve
ci
Expanding and diversifying loan
portfolio to non - housing Scale - up “Pay
n
rn
na
ecosystems “First bank to Your Mortgage
m
Fi
Installments with
en
upgrade ESG MSCI
Waste” Program
t
Acquiring institutional Rating to AA ”
partnership to tap into their
54 23.3 k
regional bale korpora Scale - up ”Low
ecosystem government users “First Social Bond
Emission
partnerships Issuance with a total
Supporting MSMEs through Housing” Project
of IDR 300 Bn
KUR Housing Program ~ 497 k
9 payroll accounts
Sales Center
Healthcare
new core
banking system
Integrated Ecosystem &
Unique Lifestyle
Comprehensive Digital
Targeting Less Crowded > 10,000 > 295 k Ecosystem
developers merchants
Segment
Splitting retail customers into
4.0 Mn 24
different segmentations digital stores
bale users
Increasing CASA acquisition
for a sustainable funding base
Capturing middle institutions
for lower funding cost
rs
etaile
R
11
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Serving the People of Indonesia as an Integrator and a Socially Driven Institution
Continuous Support on the National Housing Program with Subsidized Mortgage
BTN Mortgage Journey: Expanding Home Ownership Since 1976 Collaboration and support in the Subsidized Mortgage Program
▪ BTN contributes to expanding access to subsidized mortgages for the
Mortgage Disbursement since 1976 -
Mar’ 26
informal sector through partnerships, with informal community groups
More than 6 million and platforms, such as :
borrowers have been ~6.0 Mn housing units of Houses
delivered to public.
supported ito own
houses through BTN IDR 530 T n of Mortgage has been Indonesian
Mortgages, translating Disbursed Market Traders Barbers
Association. Association
to ~ 24 million of
people gaining access ▪ Partnerships with various ministries and government institutions under
to decent housing . segmented programs led by the Ministry of Public Housing, including
teachers, healthcare workers, media personnel, laborers, regional
1978
1976
1982
1992
2012
2018
1988
1986
1996
1998
2016
1980
1990
2010
1984
1994
2014
2022
2026
2002
2020
2008
2006
2024
2000
2004
government personnel resulting in the disbursement of 95 ,144 housing
units .
Subsidized Mortgage Disbursement by Segments Reducing Housing Backlogs Affordable Energy Access
Deliver targeted housing financing Provide houses with electricity at
programs for low - middle income adjusted, affordable rates for
By Gender By Segment Generation eligible income groups
segments to bridge the housing gap .
37.2 % 43.6 % Rising participation
Female Mille nnials & Others
of women and
strong dominance of Subsidized Mortgage
Gen Z as first - time
homebuyers ,
underscore BTN’s
role in expanding
home - ownership
56.4 % access for younger Sustainable Communities Clean Water & Sanitation
GenZ generations and Develop inclusive, safe, resilient, and Ensure reliable access to clean water
62.8 % sustainable neighborhoods within
female segments . and proper sanitation facilities,
Male subsidized housing complexes . managed sustainably .
12
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Serving the People of Indonesia as an Integrator and a Socially Driven Institution
Contributing through the disbursement of Housing Program Loans (KPP), to supporting the national housing program
Newly Launched KPP Program
▪ KPP, launched in late
Housing Program Loans – Supply Side
BTN’s KPP disbursement is mostly October 2025 , aims to
concentrated in West Java* and Sumatera . support the “3 Million
Optimizing the existing borrower base, targeting developers and their (# of BTN’s total KPP disbursement) Housing Program” by
ecosystem (contractors and building material suppliers) . expanding access on
affordable housing,
both supply and
demand .
17.5% ▪ The program reflects
24.7%
government’s
Developers Contractor Building Materials
commitment to improve
>10,000 developer Access to financing for Business
MSME contractors Financing support for
public welfare , support
partners ready to
support the Housing requiring initial capital suppliers, distributors, and In 3 M26 , BBTN has disbursed IDR 2 .2 Tn , job creation , and
Program Loans (KPP). for housing construction building material retailers to dominated by IDR 1.5 Tn from supply side . strengthen MSME
working capital. fund working capital. competitiveness .
KPP by Region (IDR Bn)
Housing Program Loans – Demand Side Supply Side Demand Side
▪ The top three regions
West Java* 378 East Java 183 by total disbursement
Pre - approved financing for qualified self - employed mortgage borrowers, Bale
Sumatra 321 West Java* 158 (both supply and
Agents and BTN merchants, as well as existing mortgage customers and fully
Central Java 179 DKI Jakarta 90 demand sides) are
repaid KUR borrowers .
Sulawesi 164 Central Java 80 West Java*, Sumatera,
Kalimantan 145 Sumatra 58 and East Java with an
East Java 118 Kalimantan 49 average ticket size of
Bali & NT** Bali & NT** 42 IDR 3 .7 Bn (supply side)
83
Sulawesi 33
and IDR 242 .0 Mn
DKI Jakarta 48
Home Ownership Home Construction Renovation (demand side) .
Maluku & Papua 33 Maluku & Papua 7
Providing accessible Financing solutions for MSMEs Financing for home ▪ KPP offers higher yield
housing solutions to who own land or land with improvements or compared to subsidized
support the sustainability
and growth of MSME
existing structures, enabling
home expansion to support
renovations for MSMEs
to better support their
IDR 1.5 Tn IDR 700 Bn mortgage .
businesses. their business activities. business activities. *including Banten
**Nusa Tenggara
Source : Ministry of Finance Policy, Ministry of Housing and Residential Area Policy, Coordinating Ministry for Economic Affairs Policy
1313
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Serving the People of Indonesia as an Integrator and a Socially Driven Institution
Through its role as a financial institution in the housing sector, BTN bridges stakeholders across the circular economy, incl udi ng ESG Initiatives and
supporting government’s policies for natural disaster in Sumatera Areas.
Supporting the Government’s Policies for Natural
Pay Your Mortgage With Waste Program
Disaster Areas in Sumatera.
In total of IDR 1.2 Tn loan affected by Restructured Loan for Natural Disaster
(IDR Bn)
the floods occurred in Sumatera at 325
the end of November 2025 .
151 80
33
58
128 211
2
4,728 affected debtors 3 20 42 14
Aceh North Sumatera West Sumatera
8,244 affected debtor
516 533
1,558 affected debtors 201 210
64 17 67
Since its launch in September 2025 , the “Pay Your Waste Mortgage with 251 4
5 9
256
Waste” program has empowered residents to manage waste sustainably Subsidized Non Subsidized Total
by using it toward mortgage payments, creating a circular ecosystem . BTN
Low Medium High
has accumulated 1,261 kilograms of waste from 21 clusters by the end of
March 2026 .
Low Carbon Emission Housing Program Flagship Programs to Solve Waste Problems in Indonesia
“Pay Your Mortgage Start - Up Waste
Household Waste
With Waste” Program Management
▪ Low Carbon Emission Housing was first introduced in 2024 to support
Net Zero Emissions by reducing massive carbon footprint from
households . ‘Low - emission Housing Eco - friendly
▪ BTN has collaborated with 30 developers and 5 suppliers , delivering a housing” Program Developers material supplier
total of 200 .1 tCO 2 e in emission reduction by the end of March 2026 .
14
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Cost Of Deposits Performance in 1Q26
Through various initiatives, low - cost CASA has begun to show significant growth, ultimately contributing to a reduction in the c ost of deposits.
CASA Low - Cost vs High Cost (Bank Only) The Initiatives Implemented have Effectively Supported a Lower Cost of Deposits
The cost of deposit slightly increased in March yet remain manageable at 3 .0 % mtd , with a
cumulative cost of deposit 3 .0 % by 3 M26 .
CASA Low Cost CASA High Cost
12.0
Consolidated Cost of Deposits (% mtd )
(IDR Tn) (IDR Tn)
6.5
10.0 6.3 6.4 6.4 6.3
16.8% 23.3% 6.0 6.2 5.9
yoy yoy 5.5
8.0
4.7
4.3 4.2 4.2 4.3 4.5 4.5
139.0 47.4 4.1 4.1 4.2
6.0 4.0 3.9
119.0
28.5 11.4 36.3
3.1 3.5
25.2 4.0
2.9 3.0
7.1 2.0 2.8
1.9 2.1 2.0 2.3
1.9 2.3
2.0 1.2 1.6 1.3 1.4 2.5
110.5 36.0
93.7 29.2 2.4 2.1
2.0 1.9 2.1 2.0 1.7 1.5 1.4 1.3 1.4
- 1.5
Mar-25
Mar-26
Mar-24
Feb-26
Dec-25
Sep-25
Jun-25
Dec-24
Sep-24
Jan-26
Jun-24
Mar-25 Mar-26 Mar-25 Mar-26
Current Acc . Saving Acc . Total
Current Acc. Saving Acc. Time Deposits
Low - cost CASA calculated based on savings and current accounts
Total Deposits
with counter rate
15
Page 16
Bank Syariah Nasional : Accelerating Business Growth as a Key New Driver in Advancing
Indonesia’s Islamic Economy and Strengthening the National Sharia Ecosystem
Obtaining Corporate rating from Pefindo Robust financial profile (as of 1Q26)
PT Bank Syariah Nasional (BSN) obtained a Pefindo
credit rating of idAA + with a Stable outlook ,
idAA + IDR 76.2 Tn IDR 56.5 Tn IDR 58.6 Tn
reflecting very strong capacity to meet long - term Stable Total Assets Total Financing Total Deposits
financial obligations .
4.2 % 0.9 % 37.3 %
Extending Financial Services Beyond the Housing Sector through NIM ( eqv .) CoC CAR
Collaboration with Strategic Institutional Partners
96.4 % 62.8 % 2.7 %
FDR CASA NPF (Gross)
Driving Sharia Economic Development through Digital Innovation
Strengthening Brand Image
Bale Syariah through Lifestyle Related Event
▪ BSN and PT Kereta Commuter Indonesia (KCI) established a strategic partnership performance
to integrate Islamic banking services with public transportation payments . since first
▪ This initiative aims to enhance cashless transactions , improve user convenience launched in
Official Sponsor
for millions of daily commuters, and expand the reach of inclusive, secure, and Dec - 25
5K Category for
accessible Islamic financial services within the urban mobility ecosystem . the BTN JAKIM
134 Tho 2026
User Acquisition
Expanding Reach through Product Innovation
Gold - Based product Offering (BSN Cicil Emas) Partnering with major IDR 1.9 Tn
619.0 % yoy gold providers in Value of Transaction
▪ Since Dec - 25 , BSN Cicil
(IDR Bn ) Indonesia Rendezvous Modest Market x BSN
Emas has demonstrated
strong growth, reaching
121.9
25 Tho Supporting
Amount of
IDR 121.9 Bn (+ 619 .0 % SME’s, fashion
Transaction
YoY) brands, and
17.0
▪ As one of BSN’s high - yield players within
products, Cicil Emas the sharia -
delivers an attractive yield based industry.
of 9 .4 % . 16
Page 17
Accelerating Growth Through New Initiatives in 2026
Acquiring Loan Portfolio to Drive Inorganic Growth Collaborating with Leading Multifinance to Enhance Capabilities
▪ As part of its growth strategy, BTN is ▪ Auto financing solution (Kredit Kendaraan Bermotor /KKB) are offered to
pursuing inorganic expansion through 18% both New to Bank (NTB) and existing customers, enabling the purchase of
30%
selective loan portfolio acquisition . new or used vehicles through joint finance schemes with multifinance
▪ This approach enables BTN to accelerate partner .
loan growth with better yield and shorter loan ▪ Such offering allows BTN to leverage the distribution and underwriting
tenor than mortgages, as well as to optimize 82% process of its partners, ensuring efficient loan origination and risk -
70%
portfolio composition (~ 30 % portion of non - sharing mechanisms . This product offers flexible tenors of up to 60
housing loan within the next 5 years) . months , delivering greater affordability and convenience while expanding
▪ By targeting high quality assets and access to vehicle ownership .
strategic segments through loan expansion, Mar-26 2030F ▪ This also supports BTN’s strategy to diversify loan portfolio beyond
BTN is aiming to generate higher returns housing , and capture growing demand for vehicle ownership,
while maintaining a measured risk profile . Housing Non Housing complementing the homeownership .
Penetrating and Collaborating into Large - Scale Ecosystems Leveraging Exclusive In - Branch Bancassurance Partnerships
Expanding large ecosystem acquisition through
Balé by BTN by unlocking exclusive travel ▪ Strengthening the BTN’s wealth management FBI from
promotions to popular destinations and enhancing proposition to accelerates the growth of fee based Bancassurance
customer value while strengthening ecosystem income (FBI) through exclusive in - branch (as of 3M26)
engagement . bancassurance collaborations .
▪ This initiatives enhance cross selling effectiveness,
Automated Bundling Solutions Tapping Institutional to boost CASA customer engagement, and maximizing the IDR 18.4 Bn
productivity .
▪ Providing convenient access for a Expanding institutional funding by
▪ In- branch bancassurance driving financial
comprehensive products of KPR, strengthening engagement with the
benefits , not only enhance Annual Premium
KAR, and KRING . Regional Government (PEMDA) as
▪ Integrating
improves
approach
customer
not only
experience
core entry point to support CASA
growth .
Equivalent (APE) but also creates beneficial
ecosystem , supporting both revenue optimization 2.2 %
and long term partnership sustainability . of Total FBI
but also supports sustainable
growth through cross - selling and
financial engagement . 17
Page 18
BTN’s 2026 Guidance - Consolidated
3M26 Guidance
Loan Growth 10.3 % 8 - 10%
Deposits Growth 9.9 % 7 - 9%
Cost of Credit 0.9 % 1.0 - 1.2 %
NPL Gross 3.1% <3.0 %
18
Page 19
Digital Initiatives
Page 20
Digital Initiative & Partnership Highlights
Balé Connect The World: Powering BTN’s Balé Wisata : Increasing E xposure through Balé Ayu: Powering Indonesia’s Creative
Cross - Border Ecosystem C ollaboration with Tourism and L ifestyle Lifestyle with Seamless Digital Banking
Crossborder
X ▪ BTN’s 2026 GlamLocal
sponsorship strengthened brand
relevance among lifestyle - driven
segments and accelerated digital
acquisition by converting event
▪ Expand cross - border ecosystem : Enables seamless ▪ Awareness at scale : Tourism partnerships amplify traffic into new users and
international transactions to broaden BTN’s ecosystem BTN’s brand visibility and accelerate digital customer transactions .
reach through QRIS Cross border and debit card . acquisition through highly engaged the communities .
▪ Unlock recurring monetization : Drives fee - based income ▪ Embedded payments and digital journeys expanded
▪ New revenue lanes : We monetize the tourism merchant engagement and reinforced BTN’s
via FX, remittance, and cross - border payments .
ecosystem via cashless ticketing, FnB & Merch positioning as a modern , everyday banking partner
▪ Increase customer stickiness : Strengthens engagement
transactions, and branded commerce, supporting within Indonesia’s creative economy .
and retention through end - to- end global use cases .
sustainable fee - based growth .
Balé Hype: Leveraging High Traffic Spots Balé Ngopi : Every coffee moment, seamless Balé Nonton , Balé Trans: High - Frequency
BTN payments. Everyday Monetization
▪ The story of coffee has always been about connection,
a bridge linking farmers and roasters, baristas and
▪ BTN’s 2026 concert & event sponsorships expanded drinkers, tradition and innovation . Balé Ngopi x
top - of - funnel reach and accelerated digital acquisition Indonesia Coffee Expo (ICX) is more than a showcase . Balé Nonton and Balé Trans function as a high - frequency
by converting high - traffic audiences into new app users It is a collaborative stage that connects the nation's monetization BTN’s digital ecosystem .
through onsite activations and cashless payments . heritage with the evolving world of specialty coffee By embedding payments into entertainment and mobility,
▪ Integrated ticketing and on - ground transactions ▪ The program theme “Brewing Business, Shaping
two structurally repeatable spending categories, BTN
increased usage frequency, deepened merchant increases transaction velocity, strengthen customer
Lifestyle and Coffee Excellence ”, ICX becomes a
partnerships, and supported sustainable fee - based lifetime value, and establishes a scalable, recurring fee -
space where craftsmanship, culture, lifestyle, and
income growth . based income stream through partner - driven expansion .
meaningful connections come together in every cup .
20
Page 21
balé by BTN to boost Low - Cost Funding Growth
Product Enhancements Driving User Total Saving Balance of Users (IDR Tn )
Bal é By BTN Registered Users
Activation & Transaction Expansion
(Mn Users) 67.5 % yoy 18.0 % yoy
4.0
3.7 23.9
22.8
19.7 20.3
2.2 2.4
11.8
1.1
Dec-23 Dec-24 Dec-25 Mar-25 Mar-26 Dec-23 Dec-24 Dec-25 Mar-25 Mar-26
▪ Cross - border QRIS Expansion (South Korea) Highest ever Bale by BTN Transactions Volume
▪ Lifestyle & Travel Ecosystem Integration
(Hotel & Flight) # of Transaction 8.1% yoy Transaction Value 48.2 % yoy
▪ Faster, Simplified Onboarding Experience (Mn Transaction ) (IDR Tn)
▪ Expanded Cash & Payment Accessibility 132.4 *
▪ Broader Product Offerings within bal é
ecosystem (bal é pinjam & bal é lelang ) 2,216.3 103.6
2,127.6 *
▪ Cardless cash deposit using PT Pos
81.1
1,236.6 57.5
33.1
492.1 531.9 22.3
341.9
FY23 FY24 FY25 1Q25 1Q26 FY23 FY24 FY25 1Q25 1Q26
*annualized 21
Page 22
balé Merchant , balé Bisnis dan balé Properti Performances
balé Merchant Merchant
balé Bisnis Bisnis
balé Properti Properti
Total Merchant s *) 295 Tho Avg. Balance IDR 14.4 Mn Total Users 14.7 Tho Avg. Balance IDR 100 .3 Mn Total Member s 998.1 Tho Total Visitors 27 .3 Mn
Total Merchants 101.5% yoy Total Users 503.9 % yoy Total Developers 15.1% yoy
QRIS BTN was launched in Feb - 23 Bale Bisnis first launched in Apr - 24
13,442 13,930
295,399 14,651 11,454 12,106
256,396 12,009 9,414
128,568 146,637
2,426
17,525 0 843
Dec-23 Dec-24 Dec-25 Mar-25 Mar-26
Dec-23 Dec-24 Dec-25 Mar-25 Mar-26 Dec-23 Dec-24 Dec-25 Mar-25 Mar-26
Number of Trx (Mn Times ) 140.4 % yoy Number of Trx (Thousand Times) Total Members (Mn Users) 24.3 % yoy
66.3 741.4 % yoy 1.0 1.0
61.7 0.8
0.7
44.6
0.5
22.8 25.0
8.4 10.4 5.3
0 3.8
12M23 12M24 12M25 3M25 3M26 12M23 12M24 12M25 3M25 3M26 Dec-23 Dec-24 Dec-25 Mar-25 Mar-26
Trx Value (IDR Tn ) 138.6 % yoy Trx Value (IDR Bn) Loan Disbursement (IDR T n) 48.1% yoy
643.2 % yoy
5.3 2.8
2.4
1,452.7 2.2
2.4 2.3 706.0 0.8
1.2 1.0 0.4
0 60.0 95.0
12M23 12M24 12M25 3M25 3M26 12M23 12M24 12M25 3M25 3M26
12M24 12M24 12M25 3M25 3M26
*) Merchant EDC & QRIS
22
Page 23
Bal é Korpora : Transforming Wholesale Banking with a Single Digital Access
Point
Thematic Industry Solution
Education Government Health Care Financial Inst. Energy
Employee Solution FX Solution
• Cross Currency
Payroll
Payment
• Spot, Forward, Swap
Collection Solution Payment Solution
Superior Features
• BTN Virtual Account to Support Client’s Business • Financial Dashboard
• Multi Debit Transaction • BTN Primo Account
Liquidity Solution Trade Finance Solution
▪ Cash Pooling & Distribution ▪ E - Guarantee
▪ Loan Management ▪ Financial Supply Chain
▪ BTN Healthcare ▪ Trade Finance
23
Page 24
Empowering Businesses through Seamless Transactions and Smart Cash
Management through bal é Korpora
Wholesale transactions showed significant progress in both transaction frequency and value, driven by
an increase in the number of users
Transaction Frequency Transaction Value 68.1 % yoy Bal é Korpora Users 20.4% yoy
55.6% yoy
(Mn Transaction ) (IDR T n) (Thousand Users )
265.9
3.3 218.3 23.8
3.0 22.6
19.7
164.2 17.6
14.7
1.4 1.2 92.7
0.8 55.2
FY23 FY24 FY25 1Q25 1Q26 FY23 FY24 FY25 1Q25 1Q26 Dec-23 Dec-24 Dec-25 Mar-25 Mar-26
Fee Based Income (IDR Bn)
34.4% yoy
57.1
30.7
24.8
9.1 12.3
12M23 12M24 12M25 3M25 3M26
https://korpora.btn.co.id/
24
Page 25
2026 : Strengthening E ngine for S ustainable F unding
Page 26
BTN’s 1Q26 Journey: Strengthening E ngine for S ustainable F unding
Reinforcing the bank’s funding base through CASA Capturing payroll and merchant ecosystem
Broadening Payroll Acquisitions Enhancing Bale Bisnis via
Tapping into new to bank (NTB) acquisition Reactivating inactive
Leveraging institutional partner - ships to Ecosystem - Based Approach
accounts
BTN recorded a total acquisition of capture and expand payroll accounts and
• Bale Agen
IDR 1.3 Tn with a total customer BTN revitalized 10,842 loan .
integrated to
a
acquisition of as of 3 M26 . savings accounts from (as of Ma r- 26)
Bale Bisnis for
existing borrowers , New payroll New disbursement MSME
Optimizing E xisting Customer Base in Bale by BTN increasing Bale users from payroll
IDR 130.8 Bn empowerment
BTN has optimized its consumer base by and overall transaction. accounts
70,181 customers • Bale Education
increasing its active users to 61.9 % of the total Hub for
registered users . IDR 10.0 Mn Payroll Outstanding managing
avg. Balance of IDR 2.9 Tn tuition
295,187 182,796 Active users IDR 8.5 T n payments
Registered users Active users 497,466 customers
58,154 customers
Higher Middle Institution Contribution Lead to a
Developing a Full - Fledged Retail Products
More Manageable CoF
Non - banking Sustainable growth in
Total Deposits Avg. Product Large & Middle Institution Portion (% )
Holding
product of total FUM Middle Institution
2.5 27.2%
(IDR Tn)
(> 15 Bn) IDR Tn 3.6x 56.1 T
28.2% 31.4% 35.7% 35.2% 36.1% 72.5 T
Mar - 25 Mar - 26
Total Deposits Avg. Product Non - banking
Holding product of total Cost of Fund (CoF ) from
34.4 FUM
71.8% 68.6% *) *) *) Middle Institution lower by
(500 Mn - 15 Bn) IDR Tn 3.3x 30.5% 64.3% 64.8% 63.9%
~127 bps than the Large
Institution
Non - banking
Total Deposits Avg. Product Large Middle
product of total Mar-25 Jun-25 Sep-25 Dec-25 Mar-26
Holding FUM Institution Institution
(300 Mn - 500 Mn)
8.7 Large Institution Middle Institution 4.5 % vs 3 .2 %
IDR Tn 3.2x 31.4% *) E xclude IDR2 8 Tn of Gov't fund placement 3M26 3M26
26
Page 27
BTN’s 1Q26 Journey: Enhancing Loan Processes and Loan Origination
Unlocking Potential through Seamless Transactions Diversifying Loan Portfolio & Fostering Partnerships
balé by BTN app has been growing at a decent pace while strengthening its High Yield Loan Initiatives KUR Housing Program Initiatives
market presence.
31.0% Personal Loan
• Accelerating growth through
In 3 M26 , BBTN has disbursed IDR 2.2
Tn, dominated by IDR 1.5 Tn from
4.0 Mn of new customer acquisition
through Online Onboarding
(OLOB) channels
inorganic partnership
• Rolling out BTN Paylater
supply side .
2,170.2
User Acquisition (IDR Bn)
• Strengthening payroll through
IDR 33.1 Tn Lifestyle Feature Development ecosystem - based approach
Home Equity Loan
1,447.0
Value of Transaction 759.7
• Offering direct sales to payroll
customers and institutions
531 Bn • Expanding external partners
through partnership and fintech
Amount of Transaction 1M26 2M26 3M26
Enhancing Collection Practices to Drive Efficiency Improving Loan Origination through Loan Factory
Progress in Cluster Collection by Far What’s Next? Fully Optimizing Loan Processing Improving Loan Origination
(Eastern Java and Jakarta area)
BTN will launch its third phase in Eastern Day Past Due (DPD)
1 Higher Visit Rate part of Indonesia and Sumatera Region of 12 - months Loan 0.7% 0.3%
Improving higher 28.6 % on 10 April 2026 . Booking
Mar - 25 Mar - 26
productivity per collector
Day Past Due (DPD)
2 Operation cost efficiency/ month Loan Factory 9.0% 6.4%
of 24 - months Loan
3.8 Bn 3.0 Bn
IDR
(Before)
IDR
(After)
21.4 % Booking
Mar - 25 Mar - 26
BTN has fully integrated and
centralized its consumer loan Time to Yes (Loan approval)
3 Upgrade NPL to PL The cluster collection process will be
Improving loan Coll. 24.9 % implemented across the remaining
processing by enhancing service within 5 days
quality and driving efficiency with
upgrade from NPL to PL
regional offices, covering 34 .2 % of the Time to Disburse
minimal human intervention .
per collector on a monthly basis. within 13 days
total consumer loan .
27
Page 28
BTN Financial Highlights
Page 29
Financial Snapshots - Consolidated
Financial Highlights 2023 2024 2025 1Q25 1Q26 yoy Growth (%)
Asset/ Liabilities
Total Assets (IDR Bn) 438,750 469,615 527,793 468,531 517,543 10.5% yoy
Total Loan & Financing (IDR Bn) 333,698 357,973 400,576 363,112 400,631 10.3% yoy
Total Deposits (IDR Bn) 349,933 381,667 437,398 384,703 422,632 9.9% yoy
Profitability
Net Profit (IDR Bn) 3,501 3,007 3,501 904 1,108 22.6% yoy
NIM 3.8% 2.9% 4.2% 3.6% 3.6% (4) bps
CIR 45.3% 57.1% 49.3% 53.6% 49.9% (369) bps
RoE (Tier - 1) 13.9% 10.8% 11.7% 12.5% 12.4% (6) bps
RoRWA – after tax 2.4% 1.8% 1.9% 2.1% 2.3% 24 bps
RoA (Return on Asset) 1.1% 0.8% 0.9% 1.0% 1.1% 9 bps
Asset Quality
NPL (Gross) 3.0% 3.2% 3.1% 3.3% 3.1% (17) bps
Loan at Risk (LAR) 21.1% 19.7% 19.4% 20.3% 19.6% (70) bps
NPL Coverage 155.2% 115.4% 123.9% 104.6% 124.0% 1,939 bps
Cost of Credit (CoC) 1.2% 0.6% 1.6% 1.1% 0.9% (15) bps
Liquidity
LDR 95.4% 93.8% 91.6% 94.4% 94.8% 41 bps
LFR 83.2% 83.2% 82.5% 84.9% 85.8% 94 bps
CASA 53.7% 54.1% 48.7% 51.1% 50.2% (93) bps
Capital
CAR (Tier 1) 17.5% 17.1% 18.7% 16.4% 18.4% 204 bps
Total CAR 20.1% 18.5% 20.9% 17.7% 20.6% 283 bps
29
Page 30
Balance Sheet
Balance Sheet Summary
Dec - 23 Dec - 24 Mar - 25 Dec - 25 Mar - 26 qoq yoy % Assets
(IDR Bn)
Total Earning Assets 389,827 428,794 434,274 473,771 478,478 1.0% 10.2% 92.5%
Term Deposit with BI 12,149 2,810 9,222 8,260 2,834 - 65.7% - 69.3% 0.5%
Total Loan & Financing 333,698 357,973 363,112 400,576 400,631 0.0% 10.3% 77.4%
Securities 41,200 61,015 59,022 61,843 71,557 15.7% 21.2% 13.8%
Other Earning Assets 2,780 6,997 2,918 3,091 3,456 11.8% 18.4% 0.7%
Provision on Earning Asset (15,641) (13,063) (12,491) (15,316) (15,485) 1.1% 24.0% - 3.0%
Total Non Earning Assets 64,563 53,883 46,747 69,339 54,550 - 20.7% 16.7% 10.5%
Total Assets 438,750 469,615 468,531 527,793 517,543 - 1.8% 10.5% 100.0%
CASA 188,007 206,358 196,679 213,127 212,112 - 0.5% 7.8% 41.0%
Current Account 143,535 160,848 151,671 169,242 168,808 - 0.3% 11.3% 32.6%
Saving Account 44,472 45,510 45,008 43,884 43,304 - 1.3% - 3.8% 8.4%
Time Deposits 161,927 175,309 188,024 224,271 210,520 - 6.1% 12.0% 40.7%
Third Party Deposits 349,933 381,667 384,703 437,398 422,632 - 3.4% 9.9% 81.7%
Securities issued 6,835 5,445 5,405 5,977 5,938 - 0.7% 9.9% 1.1%
Deposits from Other Banks 1,300 105 111 123 104 - 15.8% - 7.1% 0.0%
Repurchase Agreements 0 3,409 2,957 349 0 - - 0.0%
Borrowings 42,875 39,813 34,754 41,492 43,782 5.5% 26.0% 8.5%
Non Interest Bearing Liabilities 7,327 6,604 7,063 6,244 8,317 33.2% 17.8% 1.6%
Total Liabilities 408,271 437,043 434,993 491,583 480,774 - 2.2% 10.5% 92.9%
Total Equity 30,479 32,572 33,537 36,210 36,769 1.5% 9.6% 7.1%
Total Liabilites & Equity 438,750 469,615 468,531 527,793 517,543 - 1.9% 10.5% 100.0%
30
Page 31
Loan Mix
Dec - 23 Dec - 24 Mar - 25 Dec - 25 Mar - 26
Loan Type (IDR Bn) qoq yoy
Outs % Outs % Outs % Outs % Outs %
Housing Loan 284,617 85.3% 305,590 85.4% 311,451 85.8% 328,387 82.0% 329,935 82.4% 0.5% 5.9%
Subsidized Mortgage 161,746 48.5% 173,844 48.6% 179,704 49.5% 191,185 47.7% 193,556 48.3% 1.2% 7.7%
Non - Subsidized Mortgage 96,175 28.8% 105,956 29.6% 106,809 29.4% 113,041 28.2% 112,568 28.1% - 0.4% 5.4%
Other Housing Loan 7,871 2.4% 8,652 2.4% 8,713 2.4% 9,092 2.3% 9,102 2.3% 0.1% 4.5%
Construction Loan 18,826 5.6% 17,138 4.8% 16,225 4.5% 15,069 3.8% 14,709 3.7% - 2.4% - 9.3%
Non - Housing Loan 49,081 14.7% 52,382 14.6% 51,660 14.2% 72,189 18.0% 70,696 17.6% - 2.1% 36.8%
Consumer Loan 7,264 2.2% 7,813 2.2% 7,420 2.0% 8,237 2.1% 8,488 2.1% 3.1% 14.4%
Commercial Loan 12,901 3.9% 15,237 4.3% 12,622 3.5% 13,887 3.5% 14,170 3.5% 2.0% 12.3%
Corporate Loan 28,916 8.7% 29,332 8.2% 31,618 8.7% 50,066 12.5% 48,038 12.0% - 4.0% 51.9%
Total Loan & Financing 333,698 100.0% 357,973 100.0% 363,112 100.0% 400,576 100.0% 400,631 100.0% 0.0% 10.3%
Mortgage 257,921 77.3% 279,800 78.2% 286,513 78.9% 304,226 75.9% 306,124 76.4% 0.6% 6.8%
Gross Loan (IDR Tn) 10.3 % yoy Composition by Business Segment Housing Loan
Non Housing Loan
400.6 401.0
358.0 363.0
333.7 14.7% 14.6% 18.0% 14.2% 17.6%
85.8%
85.4%
85.3%
82.4%
82.0%
Dec-23 Dec-24 Dec-25 Mar-25 Mar-26 Dec-23 Dec-24 Dec-25 Mar-25 Mar-26
31
Page 32
Loan Composition
Loan Mix by Segment (IDR Bn) Loan Growth Strategy
% yoy Main contributors for growth
Focusing on housing - related higher yield whilst
400,631
Total Loan 10.3% excelling in mortgages
363,112 Corporate Loan 51.9 % Continuing to build up corporate segment with
48,038
key focus on the housing - related sectors
31,618 14,170
8,488
12,622 9,102 Targeting high - growth SME sectors (KUR) within the
7,420 Commercial Loan 12.3% housing ecosystem
8,713
Tapping captive mortgage market with extensive soft
Consumer Loan 14.4 % loan (KRING) offers also optimizing Payroll - based
loans with several new institutions
13.1%
Optimizing home equity loans (KAR) from existing
Other Housing 4.5 % performing mortgage customers through tele sales,
Loan upselling and cross selling for existing customers
306,124
286,513
▪ Pursuing a sustainable growth in housing loans
with subsidized mortgages as the main driver
6.8% ▪ Disbursing selectively on non - subsidized
Mortgage
mortgage to non - fixed income individuals,
focusing more on the emerging affluent segment
through Sales Center
Construction Reprofiling Construction Loan Portfolio
- 9.3% Focus on landed house and selected TOD high - rise
Loan
16,225 14,709 housing projects
Mar-25 Mar-26
32
Page 33
Loan Disbursement
Loan by Segment (IDR Bn) 12M23 12M24 12M25 1Q25 4Q25 1Q26 QoQ yoy
Housing Loan 56,893 57,142 53,127 14,860 13,834 10,230 - 26.1% - 31.2%
Subsidized Mortgage 25,632 24,915 31,756 9,307 8,186 5,904 - 27.9% - 36.6%
Non - Subsidized Mortgage 19,073 19,808 11,332 3,131 2,883 2,365 - 18.0% - 24.5%
Other Housing Loan 2,378 2,399 1,681 407 465 344 - 26.0% - 15.5%
Construction Loan 9,810 10,020 8,359 2,015 2,301 1,618 - 29.7% - 19.7%
Non - Housing Loan 36,794 34,038 69,486 9,108 34,011 17,302 - 49.1% 89.9%
Consumer Loan 3,853 3,216 3,260 561 1,071 964 - 10.0% 71.7%
Commercial Loan 14,573 19,436 24,254 3,759 9,437 5,943 - 67.8% 58.1%
Corporate Loan 18,368 11,385 41,972 4,789 23,503 10,395 - 28.3% 117.1%
Total Loan & Financing 93,687 91,180 122,613 23,969 47,844 27,531 - 42.5% 14.9%
Mortgage 44,705 44,723 43,088 12,438 11,068 8,269 - 25.3% - 33.5%
33
Page 34
Total Deposits
Customer Deposits (IDR Tn) 12.0 Cumulative Cost of Deposits (%)
6.3
By Segments Dec - 23 Dec - 24 Dec - 25 Mar - 25 Mar - 26 YoY
10.0
6.1 6.1 6.1 6.2 6.0 6.1 6.1 5.3
CASA 188.0 206.4 213.1 196.7 212.2 7.9% 5.8
5.3
8.0
4.2 4.1 4.1 4.1 4.1 4.1 4.1
Current Account 143.5 160.8 169.2 151.7 168.9 11.3% 3.9 4.7 4.3
3.7 4.4 4.5
6.0
Savings Account 44.5 45.5 43.9 45.0 43.3 - 3.8% 3.1 3.0
2.9 3.3
4.0
Time Deposits 161.9 175.3 224.3 188.0 210.5 12.0% * 2.1 2.0 2.1 2.2
1.8 2.0 2.0 2.2 2.1
2.0 1.6 1.5 1.4
2.3
Total 349.9 381.7 437.4 384.7 422.7 9.9% **
2.2 2.5 2.3 2.2 2.1 2.2 2.1 2.0 1.9 1.4 1.4 1.4
* - 2.9 % if exclude IDR2 8 Tn of Gov't fund placement - 1.3
** 2.6 % if exclude IDR2 8 Tn of Gov't fund placement 12M23 3M24 6M24 9M24 12M24 3M25 6M25 9M25 12M25 1M26 2M26 3M26
CASA and Cost of Fund (%) Monthly Cost of Deposits (%)
3.7% 4.1% 3.9% 4.0% 12.0
3.0% 6.0
10.0
6.3 6.4 6.4 6.3
6.0 6.2 5.9 5.0
TD 4.3 4.1 4.2 4.2
8.0
4.0 4.1 3.9
46.3% 45.9% 51.3% 48.9% 49.8% 4.7 4.5 4.0
CASA 6.0 4.3 4.2
2.9 3.1 3.0
2.8
CoF (ytd ) 4.0
3.0
2.0 1.9 2.1 2.0 2.3
1.9 2.3
2.0 1.2 1.6 1.3 1.4 2.0
53.7% 54.1% 48.7% 51.1% 50.2% 2.4 2.0 1.9 2.1 2.1 2.0 1.7 1.5 1.4 1.3 1.4
- 1.0
Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Jan-26 Feb-26 Mar-26
Dec-23 Dec-24 Dec-25 Mar-25 Mar-26 Current Acc. Saving Acc. Time Deposits
Total Deposits (RHS)
34
Page 35
Capital
Capital December March
Growth
(IDR Bn)
2023 2024 2025 2025 2026
Tier – 1 Capital 27,154 29,834 35,289 29,075 35,709 22.8% yoy
Tier – 2 Capital 4,076 2,439 4,277 2,398 4,167 73.8% yoy
Total Capital 31,230 32,273 39,566 31,472 39,875 26.7% yoy
Total RWA 155,590 174,445 189,133 177,325 193,734 9.3% yoy
RWA – Credit Risk 136,692 149,288 163,884 152,267 168,485 10.7% yoy
RWA – Market Risk 942 6,102 4,901 4,669 5,158 10.5% yoy
RWA – Operational Risk 17,956 19,056 20,389 20,389 20,091 - 1.5% yoy
RWA Density 35.5% 37.1% 35.8% 37.8% 37.4% (41) bps
CAR Tier 1 (Tier 1/Total RWA) 17.5% 17.1% 18.7% 16.4% 18.4% 204 bps
CAR Tier 2 2.6% 1.4% 2.3% 1.4% 2.2% 80 bps
CAR BI ((Tier 1+2)/Total RWA) 20.1% 18.5% 20.9% 17.7% 20.6% 283 bps
Capital Conservation Buffer 2.5% 2.5% 2.5% 2.5% 2.5% - bps
Countercyclical Buffer 0.0% 0.0% 0.0% 0.0% 0.0% - bps
Capital Surcharge (D - SIB) 1.0% 1.0% 1.0% 1.0% 1.0% - bps
35
Page 36
Profit and Loss
PL Summary (IDR Bn) 1Q25 4Q25 1Q26 QoQ YoY
Interest Income 8,210 9,760 8,004 - 18.0% - 2.5%
Interest Expense (4,432) (4,096) (3,736) - 8.8% - 15.7%
Net Interest Income 3,778 5,663 4,268 - 24.6% 13.0%
Non - Interest Income 1,039 1,027 954 - 7.2% - 8.2%
Other Operating Expense (Exclude Provision) (2,692) (3,402) (2,884) - 15.2% 7.1%
Pre - Provision Operating Profit (PPOP) 2,125 3,288 2,338 - 28.9% 10.0%
Provision (979) (1,694) (903) - 46.7% - 7.7%
Profit From Operations 1,146 1,594 1,434 - 10.0% 25.2%
Non - Operating Income (Expense) (14) (74) (47) - 36.5% 237.6%
Profit Before Tax 1,132 1,520 1,387 - 8.7% 22.5%
Net Profit 904 1,198 1,108 - 7.6% 22.6%
36
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Profit and Loss Composition (1/3)
Interest Income
% portion
Interest Income (IDR Bn) 1Q25 4Q25 1Q26 QoQ YoY
of 3M26
Placement with Bank Indonesia 85 176 100 - 43.1% 17.9% 1.3%
Placement with other bank 3 8 6 - 22.5% 91.7% 0.1%
Securities 620 1,082 645 - 40.4% 4.0% 8.1%
Loan 6,608 8,015 6,256 - 21.9% - 5.3% 78.2%
Others 11 5 35 642.1% 226.3% 0.4%
Income from Syariah 884 474 962 102.8% 8.9% 12.0%
Total 8,210 9,760 8,004 - 18.0% - 2.5% 100.0%
Interest Expense
% portion
Interest Expense (IDR Bn) 1Q25 4Q25 1Q26 QoQ YoY
of 3M26
Deposits from Bank Indonesia 0 0 2 - - 0.0%
Deposits from Other Banks 22 7 7 8.3% - 66.0% 0.2%
Deposits from Non - Banks 3,847 3,469 3,153 - 9.1% - 18.0% 84.4%
Securities Issued 77 46 47 2.2% - 38.8% 1.3%
Fund Borrowings 460 563 520 - 7.6% 13.1% 13.9%
Others 27 11 7 - 31.7% - 72.1% 0.2%
Total 4,432 4,096 3,736 - 8.8% - 15.7% 100.0%
37
Page 38
Profit and Loss Composition (2/3)
Non - interest Income
Non - interest Income (IDR Bn) 1Q25 4Q25 1Q26 QoQ YoY
Non - Recurring Income 676 555 492 - 11.5% - 27.2%
Gain from Treasury Transaction 400 269 207 - 23.1% - 48.2%
Recovery 162 256 130 - 49.2% - 19.6%
Others 114 30 154 418.7% 35.4%
Recurring Income 363 471 462 - 2.0% 27.2%
Loan Related Transaction 93 122 139 14.3% 49.6%
Deposits & Banking Service Related 239 274 275 0.3% 15.0%
Sharia Related Transaction 31 76 48 - 36.4% 53.7%
Total 1,039 1,027 954 - 7.2% - 8.2%
Non - interest Income 3M26 Non - interest Income Breakdown (%)
(IDR Bn) 4,612
4,174 5.1%
3,922
1,541
1,500 1,644 21.7%
Treasury
28.8% Recovery
3,071 1,039 954 Others
2,422 2,530 13.7%
363 Loan Related
462
676 492 Deposits & Banking Service
14.6%
2023 2024 2025 1Q25 1Q26 16.2% Sharia Related
Non Recurring Recurring Income
38
Page 39
Profit and Loss Composition (3/3)
Other Operating Expense (exclude Provisions)
Other Operating Expense (IDR Bn) % portion
1Q25 4Q25 1Q26 QoQ YoY
Excluding Provision of 3M26
Salaries & Employee Benefit 1,003 1,335 1,142 - 14.4% 13.9% 39.6%
General Administration 447 494 346 - 29.9% - 22.5% 12.0%
Others 1 41 34 - 16.0% 5,075.9% 1.2%
Rent, Service & Maintenance 257 371 295 - 20.6% 14.5% 10.2%
Depreciation 193 285 244 - 14.6% 26.0% 8.4%
Promotion 153 189 132 - 30.0% - 13.5% 4.6%
Collector Fees & Consultant 376 472 438 - 7.2% 16.7% 15.2%
Insurance Premium 215 223 238 6.8% 10.7% 8.3%
Training 24 39 9 - 77.6% - 64.3% 0.3%
Research & Development 0 3 1 - 72.3% 58.5% 0.0%
Other Taxes 2 2 2 - 22.8% - 28.2% 0.1%
Loss (transaction spot, derivative, and forex) 21 (51) 3 106.7% - 83.6% 0.1%
Marked to Market 0 0 0 - - -
Total 2,692 3,402 2,884 - 15.2% 7.1% 100.0%
3939
Page 40
Key Financial Ratios
RO RW A 1 – After Tax ROA 2 – After Tax
0.9% 0.9%
2.4% 2.3% 0.8%
2.1% 0.7% 0.7%
1.8% 1.9%
Dec-23 Dec-24 Dec-25 Mar-25 Mar-26 Dec-23 Dec-24 Dec-25 Mar-25 Mar-26
1Calculated based on net profit/average of Total Credit Risk-Weighted asset (RWA)
2Calculated based on net profit/average total asset
ROE 3 – Tier 1 Capital ROE 4 – Balance Sheet
13.9%
12.5% 12.4% 11.5% 12.1%
11.7% 10.3% 10.9%
10.8% 9.6%
Dec-23 Dec-24 Dec-25 Mar-25 Mar-26 Dec-23 Dec-24 Dec-25 Mar-25 Mar-26
3Calculated based on net profit/average Tier 1 Capital based on Bank Indonesia regulation 4Calculated based on net profit/total stakeholder’s equity
40
Page 41
Asset Quality
Page 42
Update on Risk Management Initiatives
Enhancing collection practices to a more advanced stage Developing the Loan Factory as a strategic refinement
to drive greater process effectiveness. to improve loan origination.
Through Loan Factory, BTN have centralized consumer loan processing
Collection’s Business Process
and portfolio risk management by enhancing service quality, driving
Improvement with Clustering Based Model
efficiency, and ensuring process excellence , with minimal human
❑ Shifting from branch - based allocation intervention .
to a regional cluster approach in
collection area management . Loan Factory
❑ Delivers higher efficiency and better
collection teams' productivity . 1 Centralized
Progress in Cluster Collection
Eastern Java and Jakarta Area
in What’s Next?
Cluster Collection will be
1 Higher visit rate implemented in every Regional
Loan Factory’s inauguration on 13
Offices 10 April 2026 .
April - 26 marks the formal launch of
Increased by
28.6 % BTN’s centralized
aimed at
loan origination,
standardizing loan
2 Segment Based Model
processing . Loan Factory implements
centralized and standardized
2 Operation cost efficiency/ month processes , with loan origination
managed separately for
Subsidized, Non - Subsidized, and
Decreased by
21.4 % Consumer segments .
BTN will implement the cluster Establishing New
Upgrade NPL to PL 3
3 collection process in Eastern Area Organization Structure
and Sumatera Regions with a total Loan Factory
Improved by
24.9 % of 34 .2 % of total consumer loan .
The Loan Factory command center is Operational Risk Head
designed to support monitoring and Risk Control Loan Factory
diagnose bottlenecks in the loan Opt. Head
origination process .
42
Page 43
Loan Quality
Dec - 23 Dec - 24 Mar - 25 Dec - 25 Mar - 26
Collectibility
IDR Bn % IDR Bn % IDR Bn % IDR Bn % IDR Bn %
Current 297,251 89.1% 312,598 87.3% 313,307 86.3% 350,674 87.5% 347,237 86.7%
Special Mention 26,399 7.9% 34,057 9.5% 37,866 10.4% 37,545 9.4% 40,910 10.2%
Performing Loan (PL) 323,649 97.0% 346,655 96.8% 351,173 96.7% 388,219 96.9% 388,147 96.9%
Substandard 571 0.2% 872 0.2% 1,086 0.3% 614 0.2% 925 0.2%
Doubtful 678 0.2% 1,940 0.5% 2,006 0.6% 869 0.2% 907 0.2%
Loss 8,800 2.6% 8,506 2.4% 8,847 2.4% 10,874 2.7% 10,652 2.7%
Non Performing Loan (NPL) 10,049 3.0% 11,318 3.2% 11,938 3.3% 12,357 3.1% 12,484 3.1%
Total Loan & Financing 333,698 100.0% 357,973 100.0% 363,112 100.0% 400,576 100.0% 400,631 100.0%
NPL Gross 3.01 % 3.16% 3.29% 3.08 % 3.12%
NPL Nett 1.32 % 1.89% 1.95% 1.70% 1.80%
NPL Breakdown by Segment Quarterly SML Trend
By Segment (%) Dec - 23 Dec - 24 Dec - 25 Mar - 25 Mar - 26
Housing Loan 3.2% 3.3% 3.5% 3.6% 3.5%
Subsidized Mortgage 1.5% 1.7% 1.4% 1.8% 1.4%
Non - Subsidized Mortgage 2.0% 3.7% 5.3% 4.9% 5.2%
Other Housing Loan 3.7% 4.4% 3.9% 4.8% 3.8%
Construction Loan 23.8% 16.0% 16.4% 14.5% 17.4%
10.6%
10.4%
10.4%
10.2%
9.7%
9.5%
9.5%
9.4%
9.4%
9.1%
9.3%
8.8%
Non - Housing Loan 1.9% 2.4% 1.1% 1.2% 1.5%
7.9%
Consumer Loan 1.6% 1.5% 1.2% 1.1% 1.3%
Commercial Loan 6.2% 7.3% 4.8% 4.4% 4.6%
Corporate Loan 0.1% 0.1% 0.0% 0.0% 0.1%
Mar Jun Sep Dec
Total Loan & Financing 3.0% 3.2% 3.1% 3.3% 3.1%
Mortgage 1.7% 2.5% 2.9% 3.0% 2.8% 2023 2024 2025 2026
43
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NPL, Cost of Credit and New Loan Booking Quality
NPL & NPL Coverage Day Past Due (DPD) of 12 - months Loan Booking
155.2% 115.4% 123.9% 104.6% 124.0%
0.7%
0.7%
3.0% 3.2% 3.1% 3.3% 3.1% 0.5%
15.6 15.3 15.5
13.1 12.4 12.5 11.9 12.5 0.4%
10.0 11.3
0.3%
Dec-23 Dec-24 Dec-25 Mar-25 Mar-26
Provision Amount (IDR Tn) NPL Amount (IDR Tn) Mar-25 Jun-25 Sep-25 Dec-25 Mar-26
NPL Coverage (%) NPL (%)
Cost of Credit Day Past Due (DPD) of 24 - months Loan Booking
Annualized Provision Charge (IDR Tn) Cost of Credit (%)
1.6% 9.0%
1.2% 1.1% 0.9%
0.6% 8.7%
6.2 8.0%
3.7 3.8 3.6
2.0
6.5% 6.5%
FY23 FY24 FY25 3M25 3M26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26
44
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LAR and Total Restructured by Segment
LAR & LAR Coverage Total Restructured Loan by Segment
22.1% 16.8%
19.7% 19.8% 20.3% 19.7% 15.4% 15.8% 15.5% 15.4%
21.1%
19.4% 19.6%
18.6%
17.0% (IDR Bn)
(IDR Bn)
77,545 78,465 63,093
73,675 2,500 61,833
70,406 70,344 5,379
369 2,627 56,194 5,346 56,248 2,467
2,634 6,272 55,236 112 1,858
326 6,202 1,875
4,992 6,211 93 5,040
6,315 303 2,540 2,160 4,829 5,181 6,152
3,751 3,053 6,211 1,787
298 319 2,086 6,476 3,276 1,768
85 69 1,982
9,930 6,949 1,913 68 2,563 5,592
1,760 8,795 6,053
1,937 1,552
32,162 1,666 1,448
30,513 25,157 26,218
26,234
22,412 24,311
19,378 20,443
18,976
30,292 29,936 32,445 23,673 24,350
27,086 27,741 19,515 20,457
18,568
Dec-23 Dec-24 Dec-25 Mar-25 Mar-26 Dec-23 Dec-24 Dec-25 Mar-25 Mar-26
Subsidized Mortgages Non-Subsidized Mortgages Other Housing Subsidized Mortgages Non-Subsidized Mortgages Other Housing
Construction Loan Consumer Loan Commercial Loan Construction Loan Consumer Loan Commercial Loan
Corporate Loan Total % LAR Corporate Loan Total Loan % of Total Loan
% LAR Coverage
45
Page 46
LAR and Restructured Loans
LAR by Collectability (%) Total Restructured Loan by Collectability (%)
14.3% 16.0% 15.9% 16.2% 15.9% 11.6% 13.1% 12.2% 13.2% 12.3%
27.9%
37.5% 40.6% 44.0% 44.4% 47.1%
47.6% 48.4% 51.4% 52.1%
60.4%
48.2% 46.3% 43.8% 42.4% 40.5%
36.4% 35.6% 32.4% 32.0%
Dec-23 Dec-24 Dec-25 Mar-25 Mar-26 Dec-23 Dec-24 Dec-25 Mar-25 Mar-26
LAR by Collectability (IDR Bn) Total Restructured Loan by Collectability (IDR Bn)
63,093 61,833
77,545 78,465 56,194 55,236 56,248
73,675 7,667 7,628
70,406 70,344
12,357 12,484 6,546 7,258 7,429
10,049 11,938
11,280
15,689 27,782 29,133
22,402 24,949
26,399 37,545 40,910
33,489 37,866
33,959
33,959 25,576 27,643 23,870 25,072
25,576 27,643 23,870 25,072
Dec-23 Dec-24 Dec-25 Mar-25 Mar-26 Dec-23 Dec-24 Dec-25 Mar-25 Mar-26
Current SML NPL
46
Page 47
ESG Update
Page 48
BTN ESG Journey
BTN aims to establish a sustainable business processes by integrating environmental, good governance, and social values in a comprehensive
ESG framework .
2025
2025
2023
2023 ▪ Obtaining an upgraded ESG MSCI
▪ Establishing ESG framework, Rating from BBB to AA
roadmap, and initiative ▪ Launching ”Pay Your Mortgage
strategies in 2023 - 2028 to Installment With Waste ” program
Become an ESG Champion ▪ Scaling up the low emission
▪ Forming a dedicated ESG Unit housing program to 10,000 units
(Enterprise & ESG Risk ▪ Hosting Queen Maxima visit to
Management Division) and BTN’s houses that supports
establishing an ESG committee inclusivity and accessibility for low
▪ Joining UNEPFI Signatory to middle income communities
▪ Publishing Sustainable Finance
Framework and Social Finance
2019 2024
2024 Framework
▪ Issuing Social Bonds
▪ Publishing BTN’s 1st ▪ Launching 1,000 low emission
sustainability report housing program
▪ Obtaining Platinum Green
Building certification for BTN
Tower 2
▪ Implementing a uniform
recycling program (repurposing
old corporate logo uniforms into
souvenirs)
48
Page 49
BTN ESG Framework : The Future of Finance
BTN aims to establish a sustainable business processes by integrating environmental, good governance, and social values in a comprehensive ESG
framework .
The Future of Finance
BTN’s ESG Roadmap
ESG in Value Chain Accelerate Phase
(2026 – 2028 )
Climate Change & Ecosystem
Advance Phase
(2025 – 2026)
Sustainable Finance People & Community
Stakeholder Inclusiveness
Action
Integrated GRC
Phase
(2023 –
2025)
BTN seeks to improve ESG
practices that accelerate
Governance Risk Compliance positive impacts on the
environment, economy,
and society through BTN’s
ESG Roadmap.
Integrated GRC
49
Page 50
Indonesia’s Housing Landscape and the Sustainability Challenge
As BTN enables millions to achieve home ownership, households remain the largest source of national waste, underscoring the
urgency to embed sustainability within the housing ecosystem.
Empowering Indonesia’s Housing Sector Transforming Households into Sustainability Agents
As a key player in the housing market, BTN empowers millions of Households remain the largest contributors to Indonesia’s total waste,
Indonesians to achieve their dream home, while supporting a resilient and generating ~ 46 .3 % of the national waste , yet only 31.3 % is managed
sustainable housing ecosystem . through formal waste handling systems .
Waste Generation
34.1 Mn ton /year
Waste Management
10.7 Mn ton /year
Key Housing Achievement Mortgage Portfolio Composition
Household wastes comes from:
Borrowers
Food Waste Other Waste
3.0 Mn
37%
Clusters
38.2% 61.8%
154.3
Thousand According to the Ministry of Environment and Forestry (KLHK), over 270
63%
million Indonesian people produce around 0 .7 – 1.0 kg of waste each day .
Developers This emphasizes the urgent need for waste management and BTN’s role
in fostering environmentally responsible communities .
10.9 Subsidized Non Subsidized
Thousand
Source: Ministry of Environment and Forestry
50
50
Page 51
Positioning BTN at the Heart of Indonesia’s Circular Economy
Through its role as a financial institution in the housing sector, BTN bridges stakeholders across the circular economy, tran sfo rming household waste into
economic value through “ Pay Your Mortgage Installment With Waste” and “Low - emission Housing ” programs.
9 Important Actors in Championing Circular Economy
Source: Lucia Karina, 2019.
ernment
As one of Indonesia’s leading financial institutions, BTN plays an
Gov demia Ke
Aca y essential role in advancing the circular economy agenda through
Le O
a the housing sector .
Inclu
pi rs
s
nio
de
ircular E ive
co
n
C Together with families, waste management partners, suppliers, and
ducer
no
developers, BTN develops collaborative solutions that address
my
P u b li c
waste challenges comprehensively , from upstream through "Pay
Pro
Your Mortgage with Waste" program to downstream through "Low -
emission Housing" program .
h
NG T ec t or
M edia O Se c
BTN launches flagship programs to solve waste problem in housing eco from upstream to downstream
Invaluable Waste
Eco - friendly Housing
material supplier Developers
Household Waste “Pay Your Mortgage
With Waste” Start - Up Waste
Valuable Waste ‘Low - emission
Program Management
Goes to Waste housing” Program
Market
Upstream Downstream 51
Page 52
Integrating ESG Principle within the Housing Ecosystem
BTN introduced ”Pay Your Mortgage Installment With Waste” program as a way to integrate ESG priciples into housing clusters to reduce household
waste . This program help borrowers reduce monthly mortgage installments with valuable waste and utilize non - valuable waste into recycled materials .
1 Point = IDR 1 Pay Your Mortgage Installment With Waste
As of Mar 2026
1,261
Kilogram
Total waste
collected
21
Total Cluster
with waste
management
services
52
Page 53
Low Emission Housing Project
BTN developed a “Low Emission Housing” roadmap , with a total target of 150,000 housing units by 2029.
Number of Low Emission Houses Disbursed & Emissions
Low Carbon Emission Roadmap
Reduced
Advance Phase Accelerate Phase Low Carbon Total Total Waste
Action Phase Total Supplier Total Emission
• 15% Eco Material • 30% Eco Material • 30% Eco Material Emission Houses Housing Unit Avoided
Reduction
• 10.000 Housing Pilot • 30 .000 Housing Pilot • 50.000 Housing Pilot
Projects Projects Projects
5 Suppliers 30 Developers 14,487
Units
72.4
Ton*
200.1 3,335
2027 Trees/year ***
2025 2026 2028 2029 tCO 2 e**
Jabodetabek , West Jabodetabek , West
5 53
**) 1kg plastic waste used can avoid 2.7625kg CO 2e
Advance Phase Accelerate Phase
Java, and Central
Java
Java, and Central
Java
*) 1 housing unit uses 5kg 3 tree planting:
***) CO2 sequestration from
plastic waste 0.06 TCO2e / tree / year
• 20% Eco Material • 30% Eco Material
• 20 .000 Housing Pilot Projects • 40.000 Housing Pilot
Projects
• Air circulation by increasing List of Suppliers
Energy ventilation
Efficiency • Window to wall ratio 15% to 30%
• Using low flow faucets
Water • Proper sanitation
Low Efficiency management
• Having an infiltration well
Carbon • Using PDAM for water supply
Emission
House Waste Conducting waste sorting with
appropriate waste bins These suppliers offers
Management
interlock bricks, paving
• Have carbon absorbing plants blocks, and floor decks
(1tree per house)
Pollution • Eco - friendly materials minimum
made of recycled
Reduction 15% per house materials .
• Green and open spaces in house
and public facilities minimum 10%
53
53
Page 54
BTN ESG Development Plan in the Future
BTN aims to broaden the geographic coverage of the “Low - Emission Housing ” and “Pay Your Mortgage Installment With Waste ” initiatives across
Indonesia .
North Sumatra
▪ Medan BTN will expand the “Low -
East Kalimantan Emission Housing” and “Pay
Your Mortgage Installments with
▪ Balikpapan
Waste” programs to 8 provinces
and 15 regencies/cities across
Indonesia .
West Sumatra
Bali
▪ Padang
▪ Denpasar
Banten
West java
▪ Tangerang
▪ Serang ▪ Bogor Central Java Implemented in 2025
▪ Bekasi East Java
▪ Kendal Expanding to more geographical areas in 2026
▪ Karawang ▪ Gresik
▪ Bandung ▪ Madura
▪ Cirebon ▪ Situbondo
▪ Purwakarta ▪ Pasuruan 54
Page 55
Real Impacts on Environmental Sustainability
BTN’s sustainability initiatives have translated into real reductions in emissions, energy use, and paper consumption across ope rations.
Paperless Operations
Internal Paper Usage (rim) Paper Sheet Reduction from
Digitalization
3,318,019 Paperless
8,449 Efficiency
1,873,392
5,794
713,925
713,925
Sheet Paper reduction
1,494
2024 2025 Mar-26 ~ 42.8
▪ Internal letter distribution through digital tCO2e
2024 2025 Mar-26 apps
BTN is progressively reducing internal paper consumption through digitalization of
▪ Mortgage
Properti
▪ Management
applications through
fees, parking fees, and
BTN
714
operational processes, enhancing efficiency and supporting the bank’s transition Trees/year saved
toward paperless operations . other housing maintenance through BTN
Smart Residence
Green Transportation Green Premises
Electrical Vehicle Transportation Solar Panel 14 Solar Panel
48 51 Emission Reduction Efficiency
36 28,714 liters 7
140,011 kWh
As of Mar 2026 As of Mar 2026
~69.4 2 ~119.0 tCO2e
tCO2e
2024 2025 Mar-26
1,156 2024 2025 Mar-26 1,983
Trees/year saved
51 Unit Electric vehicles for operational Trees/year Saved* 14 Unit Installed Solar panels and targeting minimum
(31 electric cars & 20 electric motorcycles) will be 15% of Branch Offices by 2026 and 30 % by 2028 .
increased around 200 units by 2029 55
Page 56
Sustainable Finance Portfolio
Our sustainable finance portfolio reflects BTN’s journey in turning sustainability commitments into real, measurable impact f or people, planet, and the
economy.
Green Financing Social Financing
% of total loan Loan Outstanding (IDR Bn) % of total loan Loan Outstanding (IDR Bn)
2.5% 50.1% 50.0% 49.8%
49.5% 49.0%
1.8%
1.4% 10,120 199,712
1.1% 196,432
165,177 178,906
0.6% 7,014 149,366
5,025
3,531
1,805
2022 2023 2024 2025 Mar-26 2022 2023 2024 2025 Mar-26
Sustainable Financing Highlight Social Bonds
Green Financing Strong Market Appetite Reaching 5.47x Oversubscription
Environmentally Sustainable Sustainable Water and
IDR 1,078 Bn Buildings Aligned with National, IDR 529 Bn Wastewater Management 0.3 1 Affordable Housing
Regional, and International Financing and/or refinancing of mortgage or
Certification Standards Environmentally Friendly home ownership with the FLPP scheme
IDR 127 Bn Transportation
IDR 544 Bn Energy Efficiency
2 Job Creation & Unemployment Programs
(SME and Microfinance Financing)
IDR 1,745 Bn Renewable Energy IDR 3,691 Bn
Sustainable Natural
Resource and Land Use
Management
IDR 10 Tn
• SMEs and MSMEs
• Support MSMEs borrowers in times of need
(ex . loan restructuring, natural disaster, etc .)
IDR 2,045 Bn Other Environmentally Business
Activities 3 Basic Infrastructure
Drinking water supply systems, including water
Social Financing A total of IDR 10 Tn have been approved
treatment facilities and distribution networks
by the OJK to be disbursed in the next 2
Job Creation & Unemployment years. BTN have fully allocated IDR 300
IDR 6,155 Bn IDR 193,556 Bn Affordable Housing
Programs (SME and Microfinance Bn to finance loans for SMEs in 2025.
Financing) 56
Page 57
Housing Finance Center (HFC) to Support Housing Industry in Indonesia
Through BTN Housing Finance Centre (HFC), BTN assists prospective new developers through a learning & advisory program and providing basic
education to prospective developers
Mini MBA in Property
Housing Finance Center (HFC) ❑ Collaboration with SBM ITB for Mini
MBA in Property with a total of more
To become a leading center for research,
than 800 participants in 24 batches on
education and consultancy on housing
a regular and 1 batch on request (in -
finance
house) .
❑ In 1Q26 , HFC held a graduation
ceremony for Mini MBA in property
Implementing the HFC’s flagship work batch 23 , 24 , and Makassar batch .
program in seminars, workshops, and
Learning short courses both online and offline in Seminar
collaboration with well - known universities
in Indonesia, Islamic boarding schools Property Outlook 2026
and other stakeholders . BTN held a Seminar on Property Outlook
2026 as a strategic platform for
Conducting collaboration, coaching, graduates to get insight from experts,
Advisory mentoring and carrying out advisory such as developers, regulators, experts
functions with academics, practitioners, in housing sector, and many more
government and community to training experts .
participants of HFC Program in property
sector Seminar on Leadership Skills
❑ BTN has collaborated with many
Research implementation within the national universities across
Research property sphere through various studies Indonesia .
on the housing market and developing the ❑ In 1Q26 , BTN collaborated with
House Price Index (HPI) . Universitas Sumatera Utara held a
seminar on leadership skills for
Academic Senate Members .
57
Page 58
Human Capital Composition and Policy
Respectful Workplace Policy Management Composition ESG Training & Culture
❑ Recognize and respect differences in diverse
work environment with a wide range of
Commissioner Composition
Commisioner Independent
16.7% In achieving the goal of becoming an
# ESGChampion , good internal support from the Bank
of the BOD is needed . BTN has implemented learning & training
ethnicities, races, nationalities, skin colors, composition are
ages, religions, genders, disabilities, or other 43% 43% related to ESG for internal Bank employees .
50% 67% women
characteristics and perspectives to promote a
productive environment . 50% 33% 57% 57% 14.3% 9,975 16,100 5 8
❑ Ensure that everyone is treated equally and 2023 2024 2025 Mar-26
of the Commissioner Completed Self - Completed ESG Employees ESG related
have the same opportunity accessing the composition are Learning ESG learning & training become BUMN cultural
*2025 after AGMs results women awareness (delivered online & Green initiatives in
facilities and infrastructure . (delivered online) onsite) Ambassador 2024
❑ Create a working environment of mutual
Gender Diversity ESG Curriculum
respect , non - discrimination, and harassment in
any form . 1. Responsible Marketing and Product
7. AML/CFT
Activities
47% 48% 49% 50% 50% 2. Data Privacy Governance 8. Tax Avoidance
Female
Diversity, Equity and Inclusion Policy
9. Compliance with International
3. Data Security Issues
53% 52% 51% 50% 50% Male Regulations
BTN provides broad opportunities 10. Anti-Bribery and Anti-
4. ESG Risk Identification
Corruption
for all parties to contribute to BTN 2022 2023 2024 2025 Mar-26
by implementing policies related to 5. Mentorship 11. Code of Ethics
Diversity, Equity and Inclusion Employee Composition
6. Diversity and Guidelines
(DEI) in the company's Human
Capital operations . of the Top Management (as of Mar - 26)
> 19.9 % composition are women ESG Knowledge Portal
Top Management*)
Employee Wellbeing Program > 23 Disabled Employees Manager & Senior
2 .3 % The ESG Knowledge
Staff & Officer
By
Manager Portal is an internal
> platform integrated in
BTN implemented Employee Well - Being G rade 59.4% 38.3%
Framework mandated by BUMN to keep BTNBest as a
stakeholders healthy, safe, and happy as *) Consists of AVP, VP, SVP and EVP education channel
well as improve EVP, additional value, and accessed by the
performance of individuals and business > By Age ≤30 31 - 50 ≥51 employees regarding
units . 37.7% 55.8% 6.5% the importance of
ESG principles .
58
Page 59
Governance Sustainability Highlights (1/2)
Gratification Data Privacy & Cyber Security ESG Aspect in Credit Analysis
The Gratification Data Privacy has become
To create impact through
Control Unit is a unit in BTN's main priority to
Sustainable Finance , BTN
the Compliance and protect customer and
is committed to provide
Governance Division internal data . In 2024 , 67
policies related to ESG
with a task to receive employees and 5 people
aspects in loan analysis .
gratification reports from IIKPA are given the
and reports to the Anti Corruption certi -
Komisi Pemberantasan fication .
Korupsi (KPK) .
Whistle Blowing System (WBS) Signatories Anti - Money Laundering
https://btnsiips.tioffs.info
Email : btnsiips@tipoffs.info BTN strengthens aspects
of corporate governance
by enhancing policies,
Msg./WA + 62 813 8870 1117 and implementing the
Telp. + 62 21 - 5092882/3 awareness related to
Anti - Money Laundering
The objective of the Company's WBS is to (APU) & Prevention of
strengthen internal control mechanisms to Terrorism Financing
support business growth, through : (PPT)
❑ Early detection and prevention of BTN has joined national and international
irregularities or violations ; environmental and social sustainability
❑ To build an open, sincere, honest, and communities .
responsible work climate .
59
Page 60
Governance Sustainability Highlights (2/2)
Compliance Management System Anti Anti Corruption Anti Bribery
BTN obtained ISO BTN has an Anti BTN implemented Anti
Certification 37301 :2021 Corruption Program Bribery Management
on Compliance Manage - and Forum consisted System (ISO 37001 :2016 ) in
ment System in 30 of 96 Certified 16 areas : Credit Risk,
December 2022 applied in Integrity Officer Commercial Banking,
the Compliance & (CIO) and 67 Anti Corporate Banking, MSME,
Governance Division, Correuption 6 MSME restructured units,
which includes Instructor (PAKSI) 4 Commercial Business
compliance, corporate certification across Center (CBC), Credit
governance, and money all units . Operations, and
laundering prevention procurement .
functions .
Anti Fraud Sub Committee ESG Committee ESG Principles
BTN established ESG BTN integrated ESG
BTN established an Anti principles to 76 internal
Fraud Sub Committee to Committee to supervise
and drive the polcies ensure ESG
supervise and implement principles are embedde d to
Anti Fraud Strategy implementation of ESG
principles on the Bank’s the Bank’s operational and
business . strategic framework .
60
Page 61
Multiple Accolades Awarded to BTN for its Excellence in Governance and Sustainability
Performance
ACGS Rating CSR HUB Refinitiv
Low
Top
Combined ESG Score B+
75
with overall score of
ESG Ranking (%) Bank BTN’s ESG
120.75 Compared Within
43,262 Companies
Environmental
Pillar Score
Social Pillar
Score
Governance
Pillar Score
performance ranked at
78 out of 1,158 Banking
Services Company as
Top 5 Indonesia PLCs assessed by Refinitiv
ASEAN Asset Class C A- B
Threshold
Corporate Governance Perception Index
MSCI ESG Rating Included in some ESG Indices
(CGPI)
(as of Sep - 25 )
IDX LQ45
Low Carbon Leaders
91.8 with overall score of
SRI Kehati Index
AA Leader
91.5
1. SRI Kehati
2. ESG Sector Leaders
90.0
90.5 91.8
3. ESG Quality 45 Category :
A company with a mixed or unexceptional “Most Trusted
track record of managing the most significant Company”
2025
2022
2023
2024
ESG risks and opportunities relative to Top 50 ASEAN PLCs
industry peers
Governance Sustainability 61
Page 62
Bank Only : Financial Highlights
Page 63
Financial Snapshots – BTN’s Bank Only
Financial Highlight *) Dec - 23 Dec - 24 Dec - 25 1Q25 1Q26 yoy Growth (%)
Asset/ Liabilities
Total Assets (IDR Bn) 438,750 469,615 462,463 468,531 448,450 - 4.3% yoy
Total Loan & Financing (IDR Bn) 333,698 357,973 345,703 363,112 344,125 - 5.2% yoy
Total Deposits (IDR Bn) 349,933 381,667 378,712 384,703 364,061 - 5.4% yoy
Profitability
Net Profit (IDR Bn) 3,501 3,007 3,425 904 883 - 2.3% yoy
NIM 3.8% 2.9% 4.3% 3.6% 3.5% (14) bps
CIR 45.3% 57.1% 49.2% 53.6% 51.9% (176) bps
RoE (Tier - 1) 13.9% 10.8% 11.6% 12.5% 12.1% (35) bps
RoA (Return on Asset) 1.1% 0.8% 0.9% 1.0% 1.0% (1) bps
Asset Quality
NPL (Gross) 3.0% 3.2% 3.2% 3.3% 3.2% (11) bps
Loan at Risk (LAR) 21.1% 19.7% 20.5% 20.3% 20.7% 37 bps
NPL Coverage 155.2% 115.4% 127.6% 104.6% 128.9% 2,433 bps
Cost of Credit (CoC) 1.2% 0.6% 1.9% 1.1% 0.9% (15) bps
Liquidity
LDR 95.4% 93.8% 91.3% 94.4% 94.5% 14 bps
LFR 83.2% 83.2% 82.3% 84.9% 86.0% 115 bps
CASA 53.7% 54.1% 46.9% 51.1% 48.2% (296) bps
Capital
CAR (Tier 1) 17.5% 17.1% 16.7% 16.4% 16.3% (5) bps
Total CAR 20.1% 18.5% 19.0% 17.7% 18.6% 82 bps
*) The numbers shown from 2023 – 1Q25 are at consolidated figures, while for Dec - 25 numbers are including BTN’s Sharia Business Unit Pre Spin - Off (from 1 Jan 25 – 18 Dec 25).
63
Page 64
Subsidiary :Bank Syariah Nasional
Page 65
Performance Highlights Bank Syariah Nasional in 1Q26
Total Assets continue to grow , with total Sustainable Growth of Financing to IDR 57 Tn Resilient Total Deposits, to IDR 59 Tn
outstanding of IDR 76 Tn
(IDR Tn) (IDR Tn)
(IDR Tn)
73 76
59 59
55 57
61 50
54 42
44
45 37 35
32
2022 2023 2024 2025 3M26 2022 2023 2024 2025 3M26 2022 2023 2024 2025 3M26
Improving NPF Gross to 2.7% as of Mar 2026 NIM increase to 4.1% as of Mar 2026 CASA Deposits of 62.8 %
(% ) (%) (%)
60.7 62.8
5.0 5.0
3.3 4.2 4.1 55.7
2.9 2.7 3.8 50.0
2.4 2.6
43.6
Dec-22 Dec-23 Dec-24 Dec-25 Mar-26 2022 2023 2024 2025 3M26 2022 2023 2024 2025 3M26
*) 2024 and prior - year financial figures based on BTN Syariah’s performance. 65
Page 66
Bank Syariah Nasional: Financing & Deposits Composition
Financing Business Composition
Dec - 23 Dec - 24 Dec - 25 Mar - 25 Mar - 26
Financings Type (IDR Bn) QoQ YoY
Outs % Outs % Outs % Outs % Outs %
Housing Financing 36,587 98.6% 43,217 98.5% 52,903 96.4% 45,703 98.8% 54,731 96.9% 3.5% 19.8%
Subsidized Mortgage 22,966 61.9% 26,522 60.4% 33,883 61.7% 28,509 61.6% 35,252 62.4% 4.0% 23.7%
Non - Subsidized Mortgage 11,604 31.3% 14,303 32.6% 16,935 30.9% 14,945 32.3% 17,561 31.1% 3.7% 17.5%
Other Housing Financing 33 0.1% 41 0.1% 39 0.1% 41 0.1% 38 0.1% - 2.6% - 6.8%
Construction Financing 1,982 5.3% 2,351 5.4% 2,046 3.7% 2,207 4.8% 1,879 3.3% - 8.2% - 14.9%
Non - Housing Financing 528 1.4% 675 1.5% 1,970 3.6% 560 1.2% 1,775 3.1% - 9.9% 217.2%
Consumer Financing 169 0.5% 290 0.7% 495 0.9% 303 0.7% 632 1.1% 27.7% 109.1%
Commercial Financing 359 1.0% 385 0.9% 1,475 2.7% 257 0.6% 1,143 2.0% - 22.5% 344.4%
Total Financing 37,114 100.0% 43,893 100.0% 54,873 100.0% 46,262 100.0% 56,506 100.0% 3.0% 22.1%
Mortgage Financing 34,571 93.2% 40,825 93.0% 50,818 92.6% 43,454 93.9% 52,814 93.5% 3.9% 21.5%
Deposits Composition CASA Ratio (%)
Deposits (IDR Bn) Dec - 23 Dec - 24 Dec - 25 Mar - 25 Mar - 26 yoy 3.7% 3.9% 3.8% 2.6%
2.1%
CASA 20,915 27,634 35,578 30,307 36,825 21.5%
Current Account 14,166 19,825 26,899 21,910 29,145 33.0% TD
44.3% 39.4% 41.0% 37.2%
50.0% CASA
Savings Account 6,750 7,810 8,679 8,397 7,679 - 8.5%
CoF
Time Deposits 20,888 21,988 23,108 21,090 21,804 3.4%
55.7% 60.6% 59.0% 62.8%
50.0%
Total 41,803 49,622 58,686 51,397 58,629 14.1%
Dec-23 Dec-24 Dec-25 Mar-25 Mar-26
*) Mar - 25 and prior - year financial figures based on BTN Syariah’s performance. 66
Page 67
Bank Syariah Nasional : Asset Quality
Non - Performing Financing (NPF) Special Mentioned Financing (SMF)
Financings Type Dec - 23 Dec - 24 Dec - 25 Mar - 25 Mar - 26 Financings Type Dec - 23 Dec - 24 Dec - 25 Mar - 25 Mar - 26
Housing Financing 2.3% 2.8% 2.6% 2.8% 2.8% Housing Financing 7.1% 7.2% 6.7% 7.5% 7.2%
Subsidized Mortgage 1.1% 1.6% 1.4% 1.5% 1.6% Subsidized Mortgage 7.1% 7.7% 6.7% 8.1% 7.1%
Non - Subsidized Mortgage 2.0% 2.9% 3.6% 3.3% 4.1% Non - Subsidized Mortgage 7.3% 7.1% 7.3% 7.4% 8.0%
Other Housing Financing 1.8% 0.4% 3.3% 0.5% 4.2% Other Housing Financing 11.0% 13.0% 11.5% 13.7% 10.8%
Construction Financing 18.1% 16.2% 14.6% 15.8% 12.8% Construction Financing 5.7% 1.3% 1.3% 0.9% 1.9%
Non - Housing Financing 10.0% 6.6% 1.0% 6.4% 1.1% Non - Housing Financing 1.6% 0.8% 0.4% 1.1% 0.3%
Consumer Financing 3.6% 2.0% 1.8% 2.0% 1.6% Consumer Financing 3.8% 1.8% 1.4% 2.1% 0.9%
Commercial Financing 13.0% 10.1% 0.8% 11.6% 0.9% Commercial Financing 0.5% 0.0% 0.0% 0.0% 0.0%
Total Financing 2.4% 2.9% 2.6% 2.8% 2.7% Total Financing 7.0% 7.1% 6.4% 7.5% 7.0%
Mortgage Financing 1.4% 2.0% 2.2% 2.1% 2.4% Mortgage Financing 7.1% 7.5% 6.9% 7.9% 7.4%
NPF & NPF Coverage
158.1%
105.4% 95.9% 100.8% 14.4%
89.1% 13.1% 13.2% 13.0%
12.3%
1.6%
1.1% 0.9% 0.6%
0.7%
2.9% 2.6% 2.8% 2.7% 12.8% 12.0% 12.3% 12.5%
2.4% 11.7%
Dec-23 Dec-24 Dec-25 Mar-25 Mar-26 Dec-23 Dec-24 Dec-25 Mar-25 Mar-26
NPF NPF Coverage FAR Consumer FAR Commercial Total FAR
*) 2024 and prior - year financial figures based on BTN Syariah’s performance. 67
67
Page 68
Appendix
Page 69
BTN’s Network and Distribution as of March 2026
Java Kalimantan Sulawesi
Regional Office 5 Regional Office 1 Regional Office 1
Branch Offices 51 Branch Offices 7 Branch Offices 8
National Mar - 26 FY25 FY24
Sub - Branch Offices 387 Sub - Branch Offices 32 Sub - Branch Offices 30
Regional Office 9 8 8
Sharia Branch Offices 18 Sharia Branch Offices 3 Sharia Branch Offices 3
Branch Offices 84 82 82
Sharia Sub - Branch Offices 55 Sharia Sub - Branch Offices 4 Sharia Sub - Branch Offices 2
Sub - Branch
546 548 536
ATM & CRM 1,415 ATM & CRM 133 ATM & CRM 133 Offices
Sharia Branch
35 35 35
Offices
Sumatera Bali dan Nusa Tenggara Maluku dan Papua Sharia Sub -
83 83 75
Branch Offices
Regional Office 2 Regional Office - Regional Office -
Outlets 757 756 736
Branch Offices 11 Branch Offices 4 Branch Offices 3
ATM and CRM 2,089 2,090 2,071
Sub - Branch Offices 74 Sub - Branch Offices 15 Sub - Branch Offices 8
Sharia Branch Offices 10 Sharia Branch Offices 1 Sharia Branch Offices -
Sharia Sub - Branch Offices 21 Sharia Sub - Branch Offices 1 Sharia Sub - Branch Offices -
ATM & CRM 306 ATM & CRM 68 ATM & CRM 34
69
Page 70
BBTN’s Rating, Indices and Shareholder Structure
Current BTN Ratings From Various
Rating Agencies BBTN are included in some indices Geographics of BBTN Ownership (as of Mar - 26)
including ESG indices up to Mar - 26 (of total public Portion)
Region Asia
Euro Region 133.3 mn shares
As of October 2025 USA 538.3 mn shares
(2.4%)
988.6 mn shares (9.6 %)
Local Index : (17.6 %)
Outlook : Positive • LQ 45
National Short - Term Rating : F1+ ( idn ) • IDX 80 Indonesia
National Long - Term Rating : AAA ( idn ) • IDXFINANCE 3,811 mn shares
Senior Unsecured : AAA • IDX BUMN 20 British Territory
(67.9%)
• IDX Small - Mid Cap (IDX SMC) Composite 12.4 mn shares
• IDX Small - Mid Cap (IDX SMC) Liquid America ex USA (0.2%)
• MBX 101.7 mn shares
(1.8%) Australia
• Kompas 100 28.2 mn shares
As of February 2026
• Infobank 15 (0.5%)
• IDX Value 30
• Investor 33
Outlook : Negative • ECONOMIC 30
Counterparty Risk Rating : Baa2/P - 2
• Tempo – IDX Financials 52 (High Dividend
Bank Deposits : Baa2/P - 2
Index) Shareholder Structure (as of Mar - 26)
Baseline Credit Assessment : ba2
Adj Baseline Credit Assessment : ba2 • SRI - KEHATI *
Counterparty Risk Assessment : Baa2 ( cr )/P - 2( cr ) • IDX LQ 45 Low Carbon Leaders * *)
• ESG Sector Leaders IDX Kehati * **)
• ESG Quality 45 IDX Kehati *
International Index :
• MSCI Indonesia
Government of Indonesia *) Public ***)
• MSCI Emerging Market (EM)
• MSCI EM Small Cap 60% 40%
As of August 2025 • MSCI EM Investable Market Index (IMI)
• FTSE All - World Ex US Small Cap Index
• FTSE Global All Cap Index Fund
Outlook : Stable • MSCI Total International Stock
Corporate Rating : F1+ ( idn )
National Long - Term Rating : AAA ( idn )
Senior Unsecured : AAA *) 1% (84 ,206 ,666 Shares) of Serie A Dwiwarna ownership by Government of Indonesia
**) 8 ,336 ,459 ,982 Shares of Serie B ownership by Danantara Asset Management
***) Includes 0 .01% share ownership by the Board of Commissioners and Directors
*ESG Indices
70
Page 71
Board of Commissioner
*) Effective following approval of Fit & Proper Test by Otoritas Jasa Keuangan (OJK)
Panangian Suryo Utomo Dwi Ary Purnomo Pietra Machreza Paloh
Ida Nuryanti Vice President Commissioner Independent Commissioner Fahri Hamzah
Independent Commissioner
Simanungkalit President Commissioner Didyk Choiroel *)
Independent Commissioner Commissioner Commissioner
Served as Head of Served as President Served as Directorate Currently serving as Served as Commissioner Currently serving as Vice
of PT Mandiri Energindo Currently serving as
Human Resources Director of Panangian General of Taxes of Assistant Deputy of Risk Minister of Ministry of
Sejahtera and Director Secretary General of
Department of Bank School of Property . Ministry of Finance . Management and Housing and Residential
Operations of PT Walinusa . Housing and Residential
Indonesia and Head of Compliance of Ministry of Area (Kementerian PKP) . Area (Kementerian PKP) .
Payment System State - Owned Enterprise
Management Department (SOE) .
of Bank Indonesia .
71
Page 72
Board of Director (1/2)
Hirwandi Gafar Nofry Rony Poetra Oni Febriarto Rahardjo Nixon L.P. Napitupulu Setiyo Wibowo Eko Waluyo
Director Consumer Banking Director Finance & Strategy Vice President Director President Director Director Risk Management Director Human Capital &
Compliance
Served as Subsidized Served as Vice President Served as Vice President Served as Consumer Credit Served as Human Capital
Served as Treasury Division
Mortgage Lending Division Director at Perum Perumnas Director and Director of Risk & Analytics Group Head Management Division Head
Head and Head of Regional
Head and Business and Director of Commercial Finance Planning and and Credit Portfolio Risk and Corporate Secretary
Office I at PT Bank Tabungan
Development of Subsidized Banking at PT Bank Tabungan Treasury at PT Bank Group Head at PT Bank Division Head at PT Bank
Negara (Persero) Tbk
Mortgage Dept Head at PT Negara (Persero) Tbk Tabungan Negara (Persero) Mandiri (Persero) Tbk Tabungan Negara (Persero)
Bank Tabungan Negara Tbk Tbk
(Persero) Tbk
72
Page 73
Board of Director (2/2)
*) Effective following approval of Fit & Proper Test by Otoritas Jasa Keuangan (OJK)
Tan Jacky Chen Hermita I Nyoman Sugiri Yasa Rully Setiawan Venda Yuniarti
Director Information Director Treasury &
Helmy Afrisa Nugroho *)
Director Commercial Banking Director Operations Director Network & Retail
Technology International Banking Director Corporate Banking
Funding
Served as Digital Banking Served as SEVP Consumer Served as SEVP Operations at Served as Interim President Served as Group Head Served as Group Head of
Product Development Division Banking at PT BPD Jawa PT Bank Rakyat Indonesia Director of PT Mandiri Utama Overseas Banking Network Corporate Banking 3 at PT
Head and Digital Banking Timur Tbk and SVP of Smart (Persero) Tbk . Finance and Director Finance and Group Head Financial Bank Mandiri (Persero) Tbk .
Division Head at PT Bank City, Business Optimalization and Risk Management of PT Institution at PT Bank Mandiri
Tabungan Negara (Persero) at PT Bank Negara Indonesia Mandiri Utama Finance . (Persero) Tbk .
Tbk . (Persero) Tbk .
73
Page 74
Thank You. Investor Relations PT Bank Tabungan Negara (Persero) Tbk. Menara BTN 16th Floor Jl. Gajah Mada No. 1 Jakarta 10130 Email: investor_relations@btn.co.id Website: www.btn.co.id
Names mentioned 50 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.6 ×8
unresolved
org
Ministry of Public Works and Housing
p.10
unresolved
org
Ministry of Housing and Residential Area
p.10
unresolved
org
Ministry of Public Housing
p.12
unresolved
org
Ministry of Finance Policy
p.13
unresolved
org
Ministry of Housing and Residential Area Policy
p.13
unresolved
org
PT Kereta Commuter Indonesia
p.16
unresolved
org
Digital Initiative & Partners
p.20
unresolved
org
Ministry of Environment and Forestry
p.50 ×2
unresolved
person
Completed Self
· Commissioner
p.58
unresolved
org
Bank BTN’s ESG
p.61
unresolved
org
Bank Only Financial Highlight
p.63
unresolved
org
Bank Deposits
p.70
unresolved
—
Served
· Commissioner
p.71
unresolved
org
PT Mandiri Energindo
p.71
unresolved
org
Minister of Ministry
p.71
unresolved
org
Ministry of Finance
p.71
unresolved
org
PT Walinusa
p.71
unresolved
org
Kementerian PKP
p.71 ×2
unresolved
org
PT Bank Tabungan Development
p.72
unresolved
org
PT Bank Tabungan
p.72
unresolved
org
Negara (Persero) Tbk
p.72
unresolved
org
Mandiri (Persero) Tbk
p.72
unresolved
org
PT BPD Jawa
p.73
unresolved
org
PT Mandiri Utama
p.73
unresolved
org
Timur Tbk
p.73
unresolved
org
PT Bank Mandiri Tabungan
p.73
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