20260402_BABP_Laporan Informasi dan Fakta Material_32057112_lamp1.pdf

   MNC Bank Posts Resilient 2025 Performance: Net Profit Grows,
         Efficiency Increases, Fundamentals Strengthen



Jakarta, April 1, 2026 – PT Bank MNC Internasional Tbk (IDX: BABP), or MNC Bank, a
subsidiary of PT MNC Kapital Indonesia Tbk (IDX: BCAP) and part of the MNC Group, has
reported its financial performance for the fiscal year ending December 31, 2025. Amid
macroeconomic dynamics, MNC Bank demonstrated resilience by recording sustainable net
profit growth and strengthening various key financial indicators.
Solid and Sustainable Profit Growth
Based on the 2025 audited financial report, MNC Bank successfully recorded a Net Profit for
the Year of Rp81.78 billion, a 9.26% year-on-year (YoY) increase compared to Rp74.85
billion in 2024. This profit growth was driven by an increase in net interest income, higher non-
interest operating income, and operational expense efficiency.
MNC Bank's Operating Profit also rose by 23.28% YoY to Rp93.26 billion, up from Rp75.65
billion in 2024. This reflects the success of management’s strategy in enhancing asset
productivity and business process effectiveness across all organizational lines.
Revenue Growth and Operational Efficiency
MNC Bank recorded an increase in Total Interest Income to Rp1.52 trillion by the end of
2025, growing from Rp1.40 trillion the previous year. This rise was supported by selective and
prudent Credit Distribution, with total loans (before allowance for impairment losses)
increasing to Rp11.61 trillion.
Furthermore, other operating income rose to Rp193.48 billion, primarily driven by a net gain
from the sale of securities as well as an increase in foreign exchange transaction income. These
achievements highlight the solid diversification of MNC Bank’s revenue sources.
Rita Montagna – President Director of MNC Bank, emphasized the importance of innovation in
facing digital banking competition. "The significant increase in other operating income shows
that MNC Bank has successfully captured opportunities in the capital market and other banking
services. Moving forward, we will continue to strengthen our digital ecosystem through
MotionBank to provide a more inclusive and efficient banking experience for the Indonesian
people," Rita Montagna stated.
Strong Fundamentals and Growing Customer Trust
MNC Bank's capital structure strengthened further, with Total Equity growing to Rp3.75
trillion as of December 31, 2025. This increase provides broader room for growth, allowing
MNC Bank to pursue business expansion and technology investments in the future.
In terms of liquidity, public trust remains high, reflected in Total Deposits (Third-Party Funds)
rising to Rp14.69 trillion, proving that MNC Bank remains a top choice for customers
entrusting their funds.