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Page 1
PT BANK MNC INTERNASIONAL Tbk
(IDX: BABP)
PAPARAN PUBLIK
TAHUN BUKU 31 DESEMBER 2025
member of MNC Group
Page 2
Overview
Page 3
MNC GROUP’S ECOSYSTEM 3
Page 4
MNC FINANCIAL SERVICES OVERVIEW 4
Page 5
5
5
MNC Bank at Glance: Ecosystem
& Evolution
In 2014, MNC Group acquired MNC Bank from ICB
Our Vision
“To become the bank of the future, powered by advanced
technology, making financial transactions seamless and
accessible while maintaining alignment between economic,
social, and environmental interests.“ 2023-2025
2014-2020, Infrastructure & Integration
2021
Focused on infrastructure strengthening, operational
efficiency, and deep integration into the broader MNC
Layanan Digital MNC Bank
Financial Services ecosystem. 2015
2021-Present, Digital Transformation & Ecosystem
Partnership
2014
Launch and rapid scaling of MotionBank, pivoting to a
digital-first model with integrated onboarding, lending, and
payments.
5
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BOARD OF COMMISSIONERS BOARD OF DIRECTORS 6
Ponky N. Pudijanto Peter Fajar Rita Montagna Hermawan Tiolina Tumanggor
President Commissioner Commissioner President Director Director Compliance Director
(Independent)
*) Telah diangkat melalui RUPSLB dan Efektif
setelah lulus ujian kepatutan OJK
**) Telah Lulus ujian Kepatutan OJK dan
Frederikus P Weoseke Aris Palembangan*
Independent Commissioner Director diangkat melalui RUPSLB Maret 2026.
CHIEF OFFICERS
Lukito Adisubrata** Donny Kushendratno* Parman Suparman Musya Ismail
Director Director Chief Technology Chief Digital Business 6
Officer Officer
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CREDIT CARDS PENSION CREDIT
MNC Bank’s Credit Cards Products
• Pre-Pension
The Core of Our Financial Ecosystem •
•
Regular Pension
Pension Payroll
• Auto Deduction Installment
• Tabungan Dahsyat Savings
• Motion Bonus Savings
• Customer Fund Account (RDN) Co-Brand Credit Cards
Administrator Bank
Funding • MotionBank app
• Bancassurance
• Credit Cards including Co-Brand
• Credit Channelling
• Pension Credit
• Commercial Loans
Lending
• Treasury as a Profit Centre
• Foreign Exchange Transactions
• Remittances
• Fund Transfers
Transactional • Wealth management
• Custodian bank
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MotionBank Features 8
Current Upcoming MotionBank Awards:
Features Features
2024
Digital Onboarding Debit Online • Excellence in Digital
Time Deposit Acc Opening BNPL (Buy Now Pay Later)
Innovation by Digibank
Award
Transfer Cardless Cash Withdrawal
• Best Digital Service by
QRIS Payment QRIS Acquiring Infobank Award
Top Up/Payment QRIS Card Present Merchant
Debit/Credit Card Apply QR Cross Border 2023
RDN
• Best Digital Innovation by
QR Tap (NFC)
SWA Indonesia
Cash In/Out Indomaret FX Online
• The Best Bank with
House/Car Loan Remittance Digital Service by
Infobank
Product & Features development
Phone Securities
Biometric Credit card Digital BI-Fast Virtual number Account
login features lending QRIS transfer credit/debit card transfer (RDN) Super
Super
App
App
Digital Top-up Post office Online MotionPay Minimart Digital CC Split Open 10
onboarding E-wallet cash in/out time deposit integration cash in/out onboarding bill Banking
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MotionBank At Glance
Offering digital financial services to customers by providing a satisfying banking experience for mass
market (banked, underbanked, unbanked, pension) through banking innovations (MotionBank) that
produce stability in-term of funding fluctuation and integrated with the latest information technology
which contribute to sustainable growth
Account Opening e-Wallet Top Up, Data
Credit
Kartu Card
Kredit
& Loan Access Package & PLN
RDN/ Rekening Saham Bills Payment
MNC Group
Fund Transfer Bills Payment
Cash In – Cash Out
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AUDITED
FINANCIAL
PERFORMANCE
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Financial Performance Highlights
NET PROFIT LOANS INTEREST INCOME CAPITAL ADEQUACY (CAR)
IDR 81.78 B IDR 11.61 T IDR 1.52 T 24.66%
▲ 9.26% YoY ▲ 3.32% YoY ▲ 8.94% YoY Strong Capital Base
Net Profit Growth Trend (IDR NPL Ratio Improvement (%)
Billion) 5.00%
84
82 4.00%
80
3.00%
78
2.00%
76
74 1.00%
72
0.00%
70 2024 2025
2024 2025 Gross Net
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Sustainable Financial Performance In Billion IDR
Loan Net Profit
11,613
81,775
11,240
77,916
10,253 74,850
Third Party Funds
FY23 FY24 FY25 14,687 FY23 FY24 FY25
14,431
13,402
FY23 FY24 FY25
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KEY FINANCIAL RATIOS
CAR RIM
31.00%
86.11%
24.53% 24.66%
82.21%
77.45%
FY 23 FY 24 FY 25
FY 23 FY 24 FY 25
NPL Gross & Net
3.96% 3.90%
2.63% 2.99%
2.50%
2.08%
NPL GROSS
NPL NET
FY 23 FY 24 FY 25
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OUR ACCOMPLISHMENTS 14
14th Digital Brand Award 2025 by Infobank-Isentia ““ 14th Digital Brand Award 2025 by Infobank-Isentia “The 14th Digital Brand Award 2025 by Infobank-Isentia “The
category Asset IDR 10 The 2nd Best Conventional Best Credit Card Bank KBMI 1“ category Asset IDR 10 Best Debit Card Conventional Bank KBMI 1“ category
Bank KBMI 1to <25 Trillion to <25 Trillion Asset IDR 10 to <25 Trillion
14th Digital Brand Award 2025 by Infobank-Isentia “The 14th Digital Brand Award 2025 by Infobank-Isentia “The
Best Deposits Conventional Bank KBMI 1“ category Best Saving Account Conventional Bank KBMI 1“
Asset IDR 10 to <25 Trillion category Asset IDR 10 to <25 Trillion
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THANK YOU
PT Bank MNC Internasional Tbk
MNC Bank Tower 8 Flor
MNC Center
Jl. Kebon Sirih Kav 21-27
Menteng, Central Jakarta
www.mncbank.co.id
Names mentioned 7 people and organisations named in the text · linked when the evidence is strong
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