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PAPARAN PUBLIK PT Bank Ganesha Tbk (IDX: BGTG) Tahun 2026
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DISCLAIMER
Presentasi ini dipergunakan hanya untuk keperluan Public Expose. Tidak diperkenankan untuk
memperbanyak, mengedarkan dan/atau mengutip isi presentasi ini tanpa adanya persetujuan tertulis dari
PT Bank Ganesha Tbk (“Perseroan”). Perseroan tidak bertanggung jawab atas semua pengambilan keputusan
yang dibuat oleh para investor atau analis berdasarkan informasi yang disajikan dalam presentasi ini.
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Informasi Perseroan
Kinerja Keuangan
Perkembangan Layanan Digital
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Profil Perseroan
Layanan digital &
Peluncuran Jaringan
Mulai Beroperasi Mobile Banking • Pengembangan layanan digital di
Beroperasi sejak 30 April 1992 dan Memberikan layanan digital tahun 2025 dengan peluncuran
sejak April 2018 berupa “NEW BANGGA”.
memperoleh status Bank Devisa
internet banking dan • Pembukaan KC Denpasar-Bali
sejak 12 September 1995
mobile banking “BANGGA”.
pada Desember 2025.
Perusahaan Permodalan
Terbuka Telah memenuhi
ketentuan modal inti
Menjadi perusahaan
minimum Rp 3 Triliun
terbuka dan tercatat
untuk KBMI 1,
di Bursa Efek Indonesia
melalui Right Issue di tahun 2022
sejak 12 Mei 2016
(IDX: BGTG) 4
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Jaringan Kantor
Jaringan Kantor
12 (Cabang & Capem)
Jaringan ATM
27 unit
Jumlah Karyawan
350+
Jumlah Customer
37.000+
Digital Channels
Mobile Banking
Internet Banking
Website
www.bankganesha.co.id
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Pemegang Saham
Rincian Komposisi Kepemilikan Masyarakat/Publik 66,47%:
PT Equity
Development
Investment Tbk
33,53%
Masyarakat/Public
66,47%
Equity Global
International Limited
23,93%
Masyarakat/Public < 5%
UOB Kay Hian Pte Ltd 36,75%
5,79%
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Manajemen
DEWAN KOMISARIS DIREKSI
MARCELLO THEODORE TAUFIK SETIAWAN KUMALA
Presiden Komisaris Presiden Direktur
LISAWATI SUDARTO TRISNA CHANDRA SUROSO ARIF WICAKSONO IBRAHIM
Komisaris Komisaris Independen Komisaris Independen Direktur Direktur Direktur
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Informasi Harga Saham
Bank Ganesha Tbk PT
Closing Price & Trading Volume
2 Mar 2025 – 2 Mar 2026
IDX : BGTG
Jakarta, 24 November 2025
PT Bank Ganesha Tbk (BGTG) has officially moved from the
Development Board to the Main Board of the Indonesia Stock
Exchange (IDX), effective 28 November 2025. This upgrade
reflects BGTG’s fulfilment of the IDX’s criteria for well-
established and financially stable companies.
The move signifies that Bank Ganesha has met strict standards
in profitability, capital structure, and information disclosure,
and is expected to enhance investor interest and strengthen
Indonesia’s capital market quality.
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Informasi Perseroan
Kinerja Keuangan
Perkembangan Layanan Digital
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Industry vs KBMI-1 vs Bank Ganesha
Posisi Desember 2025
LOAN (Growth YoY) DEPOSIT (Growth YoY) CAR ROA
17.5 15,87% 15 13,81% 12,77% 100 4
15 78,73% 2,92%
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12.5 11,07% 75 3
10 9 2,11%
7.5 6 50 2 1,39%
5 29,84% 30,91%
2.5 3 25 1
0 0
-2.5 Industry KBMI 1 BGTG Industry KBMI 1 BGTG 0 0
-3
-5 Industry KBMI 1 BGTG Industry KBMI 1 BGTG
-7.5 -5,84% -6 -4,55%
NIM NPL (Gross) BOPO LDR
5 2.8 2,54% 100
83,50% 87
2,03% 77,22%
4,70% 4,70% 2.1 75 83,98%
64,92% 84
80,78%
1,40% 81
4.5 4,40% 1.4 50
77,52%
78
0.7 25
75
4 0 0 72
Industry KBMI 1 BGTG Industry KBMI 1 BGTG Industry KBMI 1 BGTG Industry KBMI 1 BGTG
Source: OJK – Statistik/Dataset 10
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Highlight Keuangan
Performa Tahun 2022 – 2025, dalam Jutaan Rp
ASSETS LOAN
12,000,000 11,340,390 7,000,000
10,358,251 5,816,614
8,968,132 9,402,309 6,000,000
10,000,000 5,019,832
5,000,000 4,335,772
8,000,000
4,000,000
6,000,000 2,912,792
3,000,000
4,000,000
2,000,000
2,000,000
1,000,000
- -
31-Dec-22 31-Dec-23 31-Dec-24 31-Dec-25
DEPOSIT PROFIT (before tax)
7,503,472 350,000
8,000,000
6,653,778 290,609
7,000,000 5,992,039 300,000 254,677
5,622,951
6,000,000 250,000
5,000,000
200,000
4,000,000 128,784
150,000
3,000,000
100,000 57,424
2,000,000
1,000,000 50,000
- -
31-Dec-22 31-Dec-23 31-Dec-24 31-Dec-25 31-Dec-22 31-Dec-23 31-Dec-24 31-Dec-25
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Highlight Rasio
Posisi Desember 2025
CAR NIM
106.10% 5.80%
110.00% 6.00% 5.43%
94.38%
100.00% 4.40%
5.00%
90.00% 78.73% 3.65%
80.00% 72.55% 4.00%
70.00% 3.00%
2022 2023 2024 2025 2022 2023 2024 2025
ROE NPL (Gross)
6.30% 6.57%
3.00% 2.01% 1.62%
6.00% 1.16% 1.40%
2.00%
3.45% 1.00%
4.00%
2.09% 0.00%
2.00% 2022 2023 2024 2025
2022 2023 2024 2025
ROA BOPO
86.63%
4.00% 2.76% 2.92% 90.00% 79.36%
1.55% 80.00%
2.00% 67.21% 64.92%
0.60% 70.00%
0.00% 60.00%
2022 2023 2024 2025 2022 2023 2024 2025
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Komposisi DPK dan CASA
Dalam Jutaan Rp
DEPOSITS PORTFOLIO CASA COMPOSITION
Rp7.503.472
Rp6.653.778 Dec-24 Dec-25
Total Deposit
↑12,7% 23,3%
17,5%
5.577.643
4.568.030 TD 8,1%
8,0%
↑ 22,1%
534.626 610.964 68,6% 74,3%
CASA
1.550.922 1.314.865
↓ 5,7%
Oct-24
Dec-24 Oct-25
Dec-25
CA SA TD CA SA TD
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Portofolio Pinjaman
Dalam Jutaan Rp
LOAN PORTFOLIO LOAN COMPOSITION
Rp5.816.614 Dec-25
6,000,000 Dec-24
Rp5.019.832 856,766
5,000,000 14.73%
957,754 415,460 19.08%
4,000,000 7.14%
652,288
3,000,000
2,000,000 4,544,388
3,409,789 12.99%
1,000,000
78.13%
67.93%
-
Dec-24 Dec-25
Working Capital Investment Consumer Working Capital Investment Consumer
LOAN PORTFOLIO LOAN SECTORAL INDUSTRY COMPOSITION
Loan Portfolio
6,000,000 Rp5.816.614 Dec-24 Dec-25
Rp5.019.832
5,000,000 13.68%
25.31% 26.40% 23.81%
4,000,000
5,122,464 TOP 5 14.69% TOP 5
3,000,000 4,275,242
2,000,000 MSME Ratio 74.69% 86.32%
7.27%
14.83% 12.93% 19.47%
1,000,000 13.68%
207,360 11.93% 185,201 9.09%
516,327 503,028
- 19.00% 14.66%
Dec-24 Dec-25 Processing Industry Finance & Insurance
Micro Small Medium Non-SME Household
Mining & quarrying
Wholesale & retail trade
Others
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Informasi Perseroan
Kinerja Keuangan
Perkembangan Layanan Digital
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Perkembangan Layanan Digital
Mobile Banking QRIS Mobile Banking
BANGGA Meluncurkan NEW-BANGGA
Meluncurkan layanan Meluncurkan mobile banking
internet banking pembayaran QRIS “NEW-BANGGA”.
dan mobile dalam aplikasi Peluncuran Online Onboarding,
banking dalam mobile banking Spending Tracker &
aplikasi “BANGGA” “BANGGA” Pocket Account
2018 2021 2025
2019 2023
ATM Debit GPN BI-FAST
Meluncurkan Debit Kemudahan
Card yang transfer antar Bank
tergabung dalam lebih cepat dan
Gerbang murah, dalam
Pembayaran aplikasi mobile
Nasional (GPN) banking “BANGGA”
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Terima Kasih
PT Bank Ganesha Tbk
IDX: BGTG
Head Office:
Wisma Hayam Wuruk Lt.2
Jl. Hayam Wuruk No.8, Jakarta
corpsect@bankganesha.co.id
www.bankganesha.co.id
Names mentioned 13 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Devisa
p.4
unresolved
org
Informasi Harga Saham Bank Ganesha Tbk
p.8
unresolved
org
Indonesia Stock Exchange
p.8
unresolved
org
Bank Ganesha Posisi
p.10
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