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Public Expose BBYB 2025 PT Bank Neo Commerce Tbk 31 March 2026
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Disclaimer This following presentation has been prepared by PT Bank Neo Commerce, Tbk. (the “Company” or “BNC” ) solely for selected recipients for information purposes only and does not constitute a recommendation regarding any securities of the Company. Information contained in this document is being made available and intended solely for the personal reference and information of a Recipient. Neither this document nor any part thereof may be retained by the Recipient nor may any portion thereof by shared, copied, reproduced or redistributed to any other person in any manner. The information and opinions in this document are of a preliminary nature, subject to change without notice, and may not contain all material information concerning the Company. Neither the Company nor any of its affiliates (together with the Company, the “Group”), advisors and representatives make any representation, express or implied, regarding, and assumes any responsibility or liability whatsoever (in negligence or otherwise) for, the accuracy or completeness of, or any errors or omissions in, any information contained herein nor for any loss howsoever arising from any use of these materials. The information contained in this document should be considered in the context of the circumstances prevailing at the time and is subject to change without notice and will not be updated to reflect material developments that may occur after the date hereof. The statements contained in this document speak only as at the date as of which they are made, and the Company expressly disclaims any obligation or undertaking to supplement, amend or disseminate any updates or revisions to any statements contained herein to reflect any change in events, conditions or circumstances on which any such statements are based. Certain statements in these materials constitute “forward-looking statements” and information with respect to the future financial condition, results of operations and certain plans and objects of management of the Company. Forward-looking statements may include words or phrases such as the Company or any of its business components, or its management “believes”, “expects”, “anticipates”, “intends”, “plans”, “foresees”, or other words or phrases of similar import. Similarly, statements that describe the Company's objectives, plans or goals both for itself and for any of its business components also are forward-looking statements. No representation is being made that such forward-looking statements and information will actually be achieved. The Recipient should carefully consider such forward-looking statements and information (as well as the information in this presentation generally) and should not place undue reliance on these forward-looking statements.
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Agenda About Bank Neo Commerce Financial Performance
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Agenda About Bank Neo Commerce Financial Performance
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Vision & Mission
Vision
To become a bank that introduces a more practical, faster, and safer way of managing finances, aligned with
the needs and lifestyles of a progressive modern generation. Bank Neo Commerce aims to strengthen
financial literacy and collaboration to build an inclusive, empowered, and sustainable financial future through
technology-enabled banking services.
Mission
1. To provide banking services with digital capabilities that are accessible to communities across Indonesia.
2. To enhance public understanding of financial literacy, investment, and personal financial management
through interactive digital platforms.
3. To deliver banking services supported by AI and big data that are efficient, secure, and tailored to
customer needs.
4. To support inclusive economic growth by expanding access to capital, microfinance, business financing,
and a digital transaction ecosystem.
5. To develop banking services aligned with ESG principles and collaborate with stakeholders to promote
long-term sustainability.
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BNC’s Journey:
From a Legacy Bank to a Profitable Digital Bank
• [2022] Completed 6th
rights issue of IDR 1.7 tn
(USD 113 mio).
• [2020] Renamed to • [2022] neobank
• [2015] PT Bank PT Bank Neo reached 20.9 mio users.
Yudha Bhakti Commerce, Tbk.
went public • [2022-2023] Introduced
(BNC).
and received new features: Neo Loan,
the ticker code • [2020] Upgraded Neo Gold, CCW, mutual
BBYB. into a BUKU 2 bank. funds, and more.
1989 - 1998 2015 2019 2020 2021 22-23 24-25
• [1989] PT Bank Yudha • [2019] PT • [2021] Launched • [2024] Achieved
Bhakti (BYB) was Akulaku Silvrr neo+ mobile profitability for the first
established by the Indonesia banking app, time, with net profit of
Indonesian National Armed entered and rebranded as IDR 19 bn.
Forces cooperatives as a became one of neobank. • [2025] Continued on
pension bank. the main profitability path,
shareholders. • [2021] Launched
• [1998] PT Gozco Capital direct lending and reaching net profit of
completed a IDR 566 bn.
became the controlling
shareholder. rights issue of IDR
2.5 tn (USD 167
mio).
• [2021] neobank
reached 13.3 mio
users.
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Management of BNC
Inkawan D. Jusi Kreisna D. Gozali Pramoda Dei Sudarmo
Independent President Commissioner Commissioner Independent Commissioner
Eri Budiono Aditya W. Windarwo Ricko Irwanto
President Director Business Director Compliance Director
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Agenda About Bank Neo Commerce Financial Performance
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Strong performance in 2025 | Path to sustainable profitability
What we have done
Revenue Loan Provision PBT
(In IDR’bn)
well…
(In IDR’bn) (in IDR’bn)
1. Improved risk
564
management
3.539
3.312
2.665 2. Addressing internal
2.765
governance
19
2.238
3. Path to profitability
2.161
1.294
-574
963
-786
445 -990
149
2021 2022 2023 2024 2025
2021 2022 2023 2024 2025 2021 2022 2023 2024 2025
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Profitability Metrics | Building on a track record of stable performance
Maintain NIM above industry average Ample liquidity with LDR below 70% in the
past two years
18,4% 77,7%
17,3% 70,9%
67,5%
13,8% 14,4%
52,6% 51,2%
5,2%
2021 2022 2023 2024 2025 2021 2022 2023 2024 2025
Robust CAR supported by growth in Improved ROE since 2024
profitability in 2025
55,5%
15,1%
49,1% 0,6%
36,8% 35,3%
27,9% -17,6%
-32,7%
-84,6%
2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 10
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Financials: Balance Sheet and Profit & Loss Balance Sheet (In IDR 'tn) 2021 2022 2023 2024 2025 Cash & Short Term Money Market 2.4 4.6 2.4 1.5 3.1 Marketable Securities 3.4 3.5 4.0 6.6 8.2 Loans 4.3 10.2 10.8 8.8 7.2 Total Assets 11.3 19.7 18.2 17.4 19.0 CASA 1.6 4.1 4.0 3.6 4.2 Time Deposits 6.5 10.3 9.9 9.6 9.9 Total Third Party Funds 8.1 14.5 13.9 13.2 14.1 Total Liabilities 8.4 15.9 14.8 13.9 14.7 Total Equity 2.9 3.7 3.3 3.6 4.2 Profit & Loss (In IDR 'bn) 2021 2022 2023 2024 2025 Net Interest Income 316 1,526 2,774 2,741 2,353 Fee based Income & Other Income 129 635 765 571 412 Total Income 445 2,161 3,539 3,312 2,765 Operating Expense (1,256) (1,874) (1,351) (970) (866) Operating Profit before Provision (811) 287 2,188 2,342 1,899 Provision Expenses (179) (1,073) (2,762) (2,323) (1,335) Profit before Tax (990) (786) (574) 19 564 Net Profit after Tax (986) (789) (573) 20 566 11 Note: Total Third Party Funds Includes Interbank Deposits
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Financials: Key Ratios
Key Ratios (YTD) 2021 2022 2023 2024 2025
NIM 5.2% 13.8% 18.4% 17.3% 14.4%
BOPO 224.0% 127.3% 112.3% 99.3% 84.2%
CIR 254.7% 86.6% 41.5% 31.5% 31.3%
NPL Ratio 1.8% 2.6% 3.7% 3.3% 3.6%
NPL Coverage Ratio 151.4% 80.3% 155.4% 218.1% 200.3%
LAR 12.7% 17.1% 15.9% 12.8% 13.1%
LAR Coverage Ratio 21.0% 12.0% 36.4% 56.4% 54.7%
CoC 4.2% 13.4% 25.1% 23.9% 16.1%
ROA -13.7% -5.2% -3.0% 0.1% 3.1%
ROE -84.6% -32.7% -17.6% 0.6% 15.1%
CAR Ratio 55.5% 36.8% 27.9% 35.3% 49.1%
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Loan | Targeting growth in Consumer Loan through channeling with partners & NeoLoan
Corporate, Multifinance, & SME
Consumer NON AL
Consumer AL Q3 2025 vs
Others & Legacy Q4 2025
Loan Yield
35,2% 33,7% 36,2% 33,0% 31,7% 33,4% 33,6% 84bp
28,7%
In IDR’tn
9,3 9,3
9,0
8,8
8,5
1,0 8,1
1,2 2,0 -4.1%
7,5
2,3 7,2
2,5 -20.6%
2,8 2,6
1,9 1,5
2,9
3,0
2,6
2,5 14.9%
2,5 2,8 3,2
5,1
4,5
3,9 3,6
3,2 -9.6%
2,8 2,6
2,4
0,4 0,3 0,3 0,3 0,3 0,2 0,2 0,1
1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25
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Asset Quality | Continues with prudent growth
Lower NPL and Improved Coverage Continuous Risk Strategy Review
NPL Gross LAR
3,9% 3,9% 17,2%
3,7%
3,6% 14,4%
13,8% 12,8% 13,1%
3,3% 3,2% 3,1% 11,4% 10,8% 11,5%
2,9%
NPL Coverage CoC (YTD annualized)
237,4% 25,1% 25,6%
218,1% 221,9% 23,5% 23,9%
210,8%
200,3%
156,5%
146,2% 139,0% 16,3% 16,1%
15,4% 15,2%
NPL Provision
(in IDR’bn) (in IDR’bn)
667
603 572
366 350 344 479
291 270 363 362
250 257 352
219
258
1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25
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Funding | Focus on wealth management and transactional capabilities to drive CASA
CASA
Time Deposits Q3 2025 vs
CASA Ratio Q4 2025
Quarterly Cost of Funds (CoF)
29,7% 30,2% 30,1% 28,4% 29,6%
27,6% 27,6% 27,7%
118bp
6,08% 6,17% 6,04% 5,98% 5,93% 5,83% 5,85% 5,79%
-5bp
In IDR’tn
14,9
14,4 14,2 14,1 3.0%
13,7 13,7
13,2 13,4
4,0 4,4
3,9
3,9 4,2 7.7%
3,6 4,1 4,0
10,4 10,5 10,3 9,9
9,6 9,6 9,4 9,8 1.1%
1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25
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Revenue | Focus on better asset quality
Non-Interest Income
Net Interest Income
932
Q3 2025 vs
In IDR’bn
838 Q4 2025
159 819
114
723 720
155 690 685
669
-2.4%
104
143 99 108 101 -6.3%
773
724
664
616 591
580 578 568 -1.6%
1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25
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Operational Costs | Operating with better efficiency and cost conscious
Marketing Expenses
Personnel Expenses
G&A Expenses
Q3 2025 vs
In IDR’bn
Q4 2025
261
248
18 239
235
226 22 11
26 209 212 -13.9%
18 206
84 10 15
21 91.5%
83
99
86 88
92 90
90 8.2%
160
145
122 121 127
107 106
95 -34.6%
1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25
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Capital & Liquidity | Capacity for growth with sound Capital and Liquidity conditions
Sound Capital Position Comfortable HQLA position Aiming to optimize LDR at 70-75%
Tier 1 Capital Deposits In IDR’tn
2024
2025 Reserve Requirement Loan
LDR RIM
Marketable Securities Liquid Assets 14,1
55%
49,1% In IDR’tn
34,8% 6,9
7,8
14,1
2,7
7,2
4,0
1,1
CAR Ratio Source of Funds Uses of Funds Loan & Third Party
Corporate Bonds Funds
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Thank You. Copyright©2025 PT Bank Neo Commerce
Tbk. All Rights Reserved.
The information in this document may contain
predictive statements including, without limitation,
statement regarding the future financial and
operating results, future product portfolio, new
technology, etc. There are a number of factors that
could cause actual result and developments to differ
materially from those expressed or implied in the
predictive statements. PT Bank Neo Commerce Tbk
may change the information at any time without
notice.
Names mentioned 11 people and organisations named in the text · linked when the evidence is strong
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Bank Neo Commerce Financial Performance
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