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Annual Public Expose
PT Bank Capital Indonesia Tbk
Jakarta, March 31, 2026
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Disclaimer This presentation is intended for Public Expose purposes only. Reproduction, distribution, and/or citation of its contents are prohibited without written permission from PT Bank Capital Indonesia Tbk (the "Company"). The Company is not responsible for any decisions made by investors or analysts based on the information presented in this presentation.
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COMPANY INFORMATION PT Bank Capital Indonesia Tbk began operations and was approved as a foreign exchange commercial bank in 1989. Listing on the Stock Exchange : October 4, 2007 Milestones
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COMPANY INFORMATION
Vision and Mission Shareholder Composition
VISION Danny Nugroho
To become a Sound and Trusted Retail
Bank by growing stably, inclusively and
sustainably. PT Capital Global Bank Julius Baer
Masyarakat
Public
Investama and Co Ltd Singapore
50.67% 24.03% 25.30%
MISSION
1. To provide financial services through
personal approach.
2. To provide added values and maximum Danny Nugroho is the Ultimate Beneficiary Owner of PT Capital Global Investama
advantage to the stakeholders of PT Bank
Capital Indonesia Tbk.
3. To support quality economic growth, and
have sustainability towards environment
and social aspects.
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COMPANY INFORMATION
Composition of The BOC and BOD
The Board of Commissioners
President Commissioner : Danny Nugroho
Independent Commissioner : Peter Kurniawan
Independent Commissioner : Andrey Jayanto
The Board of Directors
President Director : Kurniawan Halim
Director : Lim Migi Trisnadi E.
Director : Yenny Hoo
Director : Harri Setia Budhi
Director : Febriyanti Ika Sari
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COMPANY INFORMATION
AWARDS
2025 ❖ Awarded as one of Indonesia Digital Innovation and Achievement of The Year 2025, for The Best Digital Partnership 2025, from Business
Asia Indonesia, December 19, 2025.
❖ Awarded as one of Indonesia Digital Innovation and Achievement of The Year 2025, for The Best Digital Transformation Organization 2025,
from Business Asia Indonesia, December 19, 2025.
❖ Awarded for “The Best Leadership for Corporate 2025” to Febriyanti Ika Sari (Digital & Consumer Banking Director), as one of Indonesia
Digital Innovation and Achievement of The Year 2025, from Business Asia Indonesia, December 19, 2025.
❖ Awarded for “The Best CEO for Corporate 2025” to Kurniawan Halim (President Director), as one of Indonesia Digital Innovation and
Achievement of The Year 2025, from Business Asia Indonesia, December 19, 2025.
❖ Awarded as one of Infobank 200 The Next Future Leaders, for Digital & Consumer Banking Director – Febriyanti Ika Sari, from Infobank, 8
Desember 2025.
❖ Awarded as one of Indonesia Best Financial Award 2025 for Best Brand Image – KBMI 2 Category, from Iconomics, October 9, 2025.
❖ Awarded as one of Indonesia Best Bank Awards 2025 for Clean Energy Adoption, financial Growth and Public Communication Excellence –
KBMI 2 Category, from Warta Ekonomi, June 25, 2025.
❖ Awarded as one of “6th Indonesia Top Bank Awards 2025” – KBMI 2 Category, from Iconomics, May 27, 2025.
❖ Awarded as one of “Indonesia TOP Digital Public Relation Award 2025 for achievements in building Digital Public Relations” from
Infobrand, February 11, 2025.
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COMPANY INFORMATION
AWARDS
2024 ❖ Awarded as one of “Indonesia Greatest Living Legend Companies Award 2024” – Silver Category, from
Iconomics, September 10, 2024.
❖ Awarded as one of “Indonesia Best Digital finance Awards 2024 for Developing Innovative Digital through
Successful Service Integration” – KBMI 1 Category, from Warta Ekonomi, August 23, 2024.
❖ Awarded as one of “Indonesia Best Bank Award 2024 for The Accelerate Sustainable Financial Principles in
Business Activities” - KBMI 1 Category, from Warta Ekonomi, July 31, 2024.
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COMPANY INFORMATION
AWARDS
2023 ❖ Awarded as one of “The Best Digital Finance for Convenience and Security of Transactions in Mobile Banking” for KBMI 1, Private Banking
category, from Warta Ekonomi.
❖ Awarded as one of “The Best Digital GCG and IOT Implementation 2023 (Retail Banking)”, from Business Asia Indonesia.
❖ Awarded for Digital Banking Director – Febriyanti Ika Sari, as one of “Indonesia Digital Innovation and Achievement of The Year 2023, for The
Best Chief Technology Officer”, from Business Asia Indonesia.
❖ Awarded as one of “Indonesia Human Capital Brilliance Award 2023, for The Most Brilliant Strategic Execution 2023”, from Business Update.
❖ Awarded as one of “Indonesia Human Capital Brilliance Award 2023, for The Most Brilliant Leadership Quality 2023”, from Business Update.
❖ Awarded as one of “Indonesia Best Bank Award 2023 for The Financial Access Expansion” for KBMI 1, from Warta Ekonomi.
❖ Awarded Certificate from Indonesia TOP Digital Public Relation Award 2023
2022 ❖ Awarded as one of “The Best Digital Organization in Retail Banking 2022” at the Indonesia Digital Innovation & Achievement Award 2022
from Business Update & Business Asia Indonesia
❖ Awarded as one of “Indonesia Best Bank 2022 for The Prioritizing Customers Experience Through Banking Services” for KBMI 1, Private
Banking category from Warta Ekonomi Magazine.
2021 ❖ Ranked 1st as a Company classified in The Most BPJSTKU Application Users in 2021 by BPJS Ketenagakerjaan.
❖ Awarded a Certification of Merit from Indonesian Red Cross for the support and collaboration at Blood Donor Activities in Dealing with the
Pandemic held on December 3, 2021
2020 ❖ In 2020, Bank Capital obtained a Certificate of Appreciation from BPJS Ketenagakerjaan for its participation and commitment to monthly
BPJS Ketenagakerjaan payments in a timely manner with proper administration
2019 ❖ Awarded ‘Excellent” on the Financial Performance of 2018 at the event of “24th Infobank Award”.
❖ Awarded “Excellent” on the Financial Performance of 2014 – 2018 by Infobank Magazine at the event of “Infobank Award 2019”
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COMPANY INFORMATION
COMPANY RATING
REC CERTIFICATE
Pefindo Ratings
Information Rating
Corporate Rating idBBB+/Stable >
ISO CERTIFICATION
> >
On April 30, 2025, the Company purchased Renewable Energy
Certificate (REC) of 2098-Megawatt hour (MWh) through ICDX
(Indonesia Commodity and Derivatives Exchange) as the organizer of
Certification of ISO 37001:2016 Certification of ISO 9001:2015 the Renewable Electricity Exchange. The Company shows its
>
Anti-Bribery Management System Quality Management System
commitment in promoting the principles of Environmental, Social, and
Certification of ISO/IEC 27001:2022 Governance (ESG) to achieve green economic growth.
Information Security Management System
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OFFICE NETWORK
Office Network
Bank Capital has a total
of 73 branch offices in
Jakarta, Tangerang,
Bekasi, Bandung, Solo,
Surabaya, Semarang,
Medan, Kupang,
Palembang and
Makassar.
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OFFICE NETWORK
71st Office in Medan
Graha Merah Putih Building
Jl. Putri Hijau No. 1, Medan, Sumatera Utara 20236
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OFFICE NETWORK
In 2025, Palembang and Makassar Branch Offices were opened
July 28, 2025 – PALEMBANG BRANCH OFFICE August 7, 2025 – MAKASSAR BRANCH OFFICE
Sudirman City Center – Beston Hotel Baruga Telkomsel Building
Lantai 1st Floor FF01-FF02 Lobby Lantai Dasar Jl. A.P. Pettarani No. 3, Kelurahan Mannuruki,
Jl. Jend. Sudirman No. 57, Kelurahan 20 Ilir D.I, Kecamatan Tamalate, Makassar, Sulawesi Selatan 90221
Kecamatan Ilir Tim. I, Palembang - Sumatera Selatan 30125
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FINANCIAL PERFORMANCE
In billion Rp
THIRD-PARTY
ASSETS LOAN NET PROFIT
FUNDS
28.038
22.591 127,98
19.259 18.254
11.035
12.573 109,38
12.518
7.833 101,77
7.054
2023 2024 2025 2023 2024 2025 2023 2024 2025 2023 2024 2025
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FINANCIAL PERFORMANCE
Important Ratios
31 Desember
Rasio Audited
2023 2024 2025
CAR 35.57% 40.08% 36.86%
NPL gross 0.07% 0.06% 0.37%
NPL Net 0.00% 0.00% 0.07%
ROA 0.64% 0.72% 0.68%
ROE 3.15% 2.75% 1.92%
BOPO 97.21% 97.13% 97.69%
LDR 56.35% 62.30% 60.67%
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FUTURE STRATEGIC PLANS • Optimizing quality financing and funding in the retail, Micro, Small and Medium Enterprises, pension, and corporate segments. • Strengthening strategic collaboration with partners (multi finance companies, cooperatives, fintech) to expand the business ecosystem. • Expanding the branch network and developing digital services, as well as synergizing with strategic partners. • Prudently optimizing ALM, liquidity, and securities portfolios. • Strengthening governance, risk management, and compliance (including AML/CFT). • Organizational development and improving the quality of professional and productive human resources.
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PT Bank Capital Indonesia Tbk
Head Office :
Menara BPJamsostek (Utara Buiding) 6th Floor
Jl. Jend. Gatot Subroto No. 38
Jakarta Selatan
Phone : 021-27938989
Email : helpdesk.corpsec@bankcapital.co.id
www.bankcapital.co.id
Names mentioned 12 people and organisations named in the text · linked when the evidence is strong
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Bank Julius Baer Masyarakat Public Investama
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Co Ltd
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Peter Kurniawan
· Commissioner
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Bank Awards
p.6 ×2
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Bank Award
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