20260325_BHIT_Laporan Informasi dan Fakta Material_32055010_lamp2.pdf

FINANCIAL SERVICES

» BUSINESS UPDATES

Throughout 2025, BCAP strengthened its market position through a series of strategic collaborations that reinforced
its integrated digital ecosystem. A key milestone was the inclusion of BCAP in the FTSE Global Eguity Index
(Micro-Cap) in September 2025. This international recognition reflects growing global investor confidence in BCAP's
fundamentals, operating performance, and governance standards.

In advancing financial inclusion in Indonesia, BCAP collaborated with the Ministry of Micro, Small, and Medium
Enterprises to expand access to MNC Group's integrated financial services, including digital payments via
MotionPay, payment gateway services through FLASH, and insurance solutions.

Banking Business Segment

« PT Bank MNC Internasional Tbk (MNC Bank or IDX: BABP) recorded an 8.94, yoy increase in interest income
to Rp15 trilionin FY-2025 and generated anet profit of Rp81.8 billion, up 9.34 yoy. MNC Bank's total assets grew
to Rp20.3 trillion by the end of 2025. MNC Bank maintained a strong Capital Adeguacy Ratio (CAR) of 24.74 in
04-2025, well above the regulatory minimum. Loan disbursement was also managed optimally, with the gross
NPL ratio improving to 3.04 and net NPL at 2.14.

« In 2025, MotionPay by PT MNC Teknologi Nusantara (MTN) expanded its footprint internationally by enabling
transactions in Japan through the OR Cross Border feature. MTN also rebranded Flash Mobile into FLASH,
strengthening its payment gateway platform with enhanced speed and reliability. Throughout 2025, MTN's
transaction volume reached 101 billion, reflecting significant growth compared to year-end 2024.

e PT MNC Finance and PT MNC Guna Usaha Indonesia recorded total assets of Rp2.4 trilion in 2025,
representing an 11.744 yoy increase, driven by the growth of refinancing financing for property, vehicles, and
heavy eguipment. Financing guality also remained well maintained, with an NPF ratio of 1.394. In line with the
growth in financing, the overall financing business recorded revenue of Rp400 billion.

Capital Market Business Segment

» PT MNC Sekuritas launched MotionTrade Dual Version, a dual-interface feature within its MotionTrade online
trading application. The platform offers a user-friendly Lite Version alongside a Pro Version eguipped with
comprehensive tools. Supported by 167 points of sales in 2025, the Company successfully reached 250
thousands customers across Indonesia. The Company's position as one of Indonesia's leading and most trusted
securities firms was further solidified by 19 corporate awards and 59 Investment Gallery awards received
throughout 2025. Notable accolades include: MURI Record for the Highest Number of Sharia Stock and Sharia
Mutual Fund Investors Created from a Single Religious Higher Education Institution, MURI Record for the Largest
Sharia Financial Literacy Event for Students, and Most Active IDX Investment Gallery Partner Exchange Member
from the Indonesia Stock Exchange.

e PT MNC Asset Management delivered positive performance throughout 2025, with Assets Under
Management (AUM) growing by 47.34 compared to the beginning of 2025, reflecting increased investor
confidence in MNCAMS investment products. This AUM growth was driven by flagship products such as MNC
Dana Syariah- Fixed Income Mutual Fund and MNC Dana Lancar— Money Market Mutual Fund.

Insurance Business Segment

« PT MNC Asuransi Indonesia (MNC Insurance) has established a strategic partnership with PT Binasentra
Purna Insurance Broker to provide intermediary services across various general insurance lines, including
property, motor vehicle, marine cargo, heavy eguipment, and liability insurance.

e PT MNC Life Assurance (MNC Life) received the Top 20 Financial Institution Awards 2025 and Best CFO -Life
Insurance awards, reflecting its solid financial performance and strong corporate governance practices.
Throughout 2025, MNC Life achieved a significant increase in net profit, more than doubling compared to the
previous year, driven by the strengthening of its credit life insurance portfolio as a key growth driver to support
stable and sustainable premium expansion. MNC Life also actively promoted insurance literacy and inclusion
through its participation in HelloFello City 2025 event by offering Personal Accident Insurance solutions. Together
with MNC Insurance, MNC Life further supported the Business Protection Education Workshop for export-oriented
MSMEs organized by the Ministry of MSMEs of the Republic of Indonesia.

FINANCIAL SERVICES

The integrations and innovations achieved throughout 2025 have established a solid foundation for MNC Kapital to
accelerate performance in 2026 and beyond. Supported by a strengthened ecosystem, scalable technology
capabilities, and global market recognition, BCAP is well positioned to drive growth across its business lines. Going
forward, BCAP will continue to reinforce its competitive edge amid an increasingly dynamic fintech landscape, with
afocus on expanding strategic B2B partnerships and delivering sustainable, high-guality growth.

For further information, please contact: PT MNC Kapital Indonesia Tbk
Gladys Levina MNC Bank Tower 21/F, MNC Center
gladys.levina@emncgroup.com Jl. Kebon Sirih Kav 21-27, Menteng
irbcapamncgroup.com Central Jakarta, 10340, Indonesia

Phone: 62212970 9700

www.mncfinancialservices.com

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applicable securities laws.

The information and opinions contained in this Press Release have not been independentiy verified, and no representation or warranty, expressed orimplied, is made
as to, and no reliance should be placed on the fairness, accuracy, completeness or correctness of, the information or opinions contained herein. tis not theintention
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 subsidiiaries. 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) forthe 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 achievedi orthat The Company's assumptions are
correct, ctual results may differ materially from those forecasts and projected.

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