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Page 1
                                                              Third Quarter 2023 Performance,
                                                            BCAP's Net Income Rose by 15.7%

Jakarta, October 31, 2023 - PT MNC Kapital                                       On a quarterly basis, BCAP's total revenue gained
Indonesia Tbk (IDX: BCAP) published its                                          by 11.4% from Rp694.1 billion in Q2-2023 to
financial performance results ending on                                          Rp773.4 billion in Q3-2023, resulting in a net
September 30, 2023, with a total consolidated                                    income of Rp33.4 billion in Q3-2023, which
revenue of Rp2,194.1 billion, an increase of 5.6%                                represents a remarkable growth of 41.8% from Q2-
year-on-year (yoy) from 9M-2022. The largest                                     2023.
portion came from interest and dividends income,
which grew by 16.7% yoy from Rp1,201.1 billion to                                Compared to the same quarter last year, the
Rp1,401.2 billion in 9M-2023. Followed by capital                                Company's consolidated revenue was up by 11.8%
market income of Rp248.9 billion, digital income,                                from Rp691.9 billion in Q3-2022, with the net
which soared by 22.8% yoy to Rp246.3 billion, net                                income skyrocketing to 63.5% from Rp20.5 billion
premium income of Rp230.3 billion, sharia                                        in Q3-2022.
financing lease income of Rp19.7 billion, and other                              The highest contributor to BCAP’s revenue came
operating income of Rp47.7 billion.                                              from MNC Bank at 47.8% of total consolidated
BCAP recorded a 15.7% yoy jump in net income,                                    revenue, followed by MNC Life 9.2%, MNC
rising from Rp83.2 billion in 9M-2022 to Rp96.3                                  Insurance 9.1%, MNC Finance 8.4%, MNC
billion, with a total net profit attributable to owners                          Sekuritas 7.4%, MNC Guna Usaha Indonesia 5.8%,
of the Company reaching Rp76.3 billion in 9M-                                    FM Digital Solution 0.9%, MNC Teknologi
2023.                                                                            Nusantara 0.8%, MNC Asset Management 0.5%,
                                                                                 and others 10.1%.

 9M-2023 Financial Highlights
             in million Rupiah            9M-2023         9M-2022         %
 Profit and Loss
 Revenues                                  2,194,065       2,078,394      5.6%
  Interest and dividends income            1, 401, 150     1, 201, 144   16.7%
  Capital market income                      248, 900        275, 901
  Net premium income                         230, 331        271, 616
  Digital income                             246, 318        200, 559    22.8%
  S haria financing lease income              19, 674         10, 406
  Other operating income                      47, 692        118, 768
 Income Before Tax                           115,519          92,861     24.4%
 Net income                                   96,271          83,217     15.7%
 Total net income attributable to :
 - Owners of the company                      76, 290         68, 352    11.6%
 - Non-controlling interests                  19, 981         14, 865
 Total comprehensive income (loss) for
 the period                                    (2, 224)       49, 454
 Total comprehensive income (loss)
 attributable to :
 - Owners of the company                     (19, 227)        45, 304
 - Non-controlling interests                  17, 003          4, 150
 E arnings per share (in f ull R upiah)          1.79            1.62
           in million Rupiah              9M-2023         FY-2022         %
 Balance Sheet
 Total assets                             25, 270, 323    24, 306, 227    4.0%
 Total liabilities                        19, 063, 899    18, 105, 414    5.3%
 Total equity                              6, 206, 424     6, 200, 813    0.1%




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  Business Updates
BCAP and Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat) collaborate to provide sharia
financing facilities as well as banking and remittance services to Indonesian Migrant Workers (IMW) in
Malaysia. This partnership aims to facilitate IMW obtaining capital before departure and providing funds
for the family back in their home country. Bank Rakyat will act as a banking service partner for IMW in
Malaysia to perform automatic deduction transactions from the salaries received while working in
Malaysia directly to MotionBank accounts, the digital banking application owned by MNC Kapital.

                       by MNC Bank
In addition to having various features to facilitate customers in meeting their day-to-day financial
transaction needs, MotionBank also features the opening of Tabungan Pensiun Motion accounts,
allowing retired Civil Servants (ASN) to withdraw their pension funds without visiting physical MNC Bank
branches. They can do this through ATMs and the Indomaret network spread throughout Indonesia.
Furthermore, MNC Bank collaborates with the Social Security Agency for Employment (BPJAMSOSTEK)
to facilitate participants accessing BPJAMSOSTEK membership services through MotionBank.
MotionBank also adopts the Banking as a Service (BaaS) business model, which enables non-banking
companies to access banking services through APIs. The BaaS business model can expand the
ecosystem of non-banking companies with integrated financial services.
As of the third quarter of 2023, MotionBank managed to improve its performance with an 11.06% yoy
growth in the number of users and a 6.37% yoy hike in the number of transactions.

                   by MNC Sekuritas
MNC Sekuritas has successfully achieved four award categories in the Indonesia Human Capital
Brilliance Awards (IHCBA) 2023 organized by Business Update, in collaboration with Rumah Mentor
Indonesia (RUMI) and supported by NawaCita Research Institute (LKN), Indonesia Public Relations
Association (PERHUMAS), and professionals in the human capital field. Additionally, MotionTrade was
also awarded as "The Innovative Online Trading System" at the IDX Channel Anugerah Inovasi Indonesia
2023 (ICAII 2023).
With endless innovations and a firm commitment to be an integrated solution in the domestic capital
market investment industry, the number of MotionTrade users climbed by 13.27% yoy as of the end of
September 2023.




                             “Most Brilliant                               “The Innovative Online
                          Company Agility”                                        Trading System”

                                     IHCBA 2023                                               ICAII 2023




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                         and                           by MNC Teknologi Nusantara
MNC Teknologi Nusantara, as the operator of FlashMobile, further solidifies its position as a trusted
payment gateway provider for financial transactions based on international information security system
standards in accordance with regulatory requirements. One of the proofs of this commitment is through
the Payment Card Industry Data Security Standard (PCI DSS) 3.2.1 certification for PCI DSS - Internet
Payment Gateway, which was officially obtained in August 2023.




   For further information, please contact:                                         PT MNC Kapital Indonesia Tbk
      Natassha Yunita                                                               MNC Bank Tower 21/F, MNC Center
      Head of Investor Relations                                                    Jl. Kebon Sirih Kav 21-27, Menteng
      natassha.yunita@mncgroup.com                                                  Jakarta Pusat 10340, Indonesia
      ir.bcap@mncgroup.com                                                          Phone : +6221 2970 9700
                                                                                    www.mncfinancialservices.com



DISCLAIMER
By accepting this Press Release, you agree to be bound by the restrictions set out below. Any failure to comply with these restrictions may
constitute a violation of applicable securities laws.
The information and opinions contained in this Press Release have not been independently verified, and no representation or warranty,
expressed or implied, is made as to, and no reliance should be placed on the fairness, accuracy, completeness or correctness of, the
information or opinions contained here in. It is not the intention to provide, and you may not rely on this Press Release as providing, a
complete or comprehensive analysis of the condition (financial or other), earnings, business affairs, business prospects, properties or results of
operations of The Company or its subsidiaries. The information and opinions contained in this Press Release are provided as at the date of this
presentation and are subject to change without notice. Neither The Company (including any of its affiliates, advisors and representatives) nor
the underwriters (including any of their respective affiliates, advisors or representatives) shall have any responsibility or liability whatsoever (in
negligence or otherwise) for the accuracy or completeness of, or any errors or omissions in, any information or opinions contained herein nor
for any loss howsoever arising from any use of this Press Release.
In addition, the information contained in this Press Release contains projections and forward-looking statements that reflect The Company's
current views with respect to future events and financial performance. These views are based on a number of estimates and current
assumptions which are subject to business, economic and competitive uncertainties and contingencies as well as various risks and these may
change over time and in many cases are outside the control of The Company and its directors. No assurance can be given that future events
will occur, that projections will be achieved, or that The Company's assumptions are correct. Actual results may differ materially from those
forecasts and projected.
This Press Release is not and does not constitute or form part of any offer, invitation or recommendation to purchase or subscribe for any
securities and no part of it shall form the basis of or be relied upon in connection with any contract, commitment or investment decision in
relation thereto.




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