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Page 1
  Penjelasan Agenda dan Materi/Bahan                      Agenda Description and Materials of the
Rapat Umum Pemegang Saham Luar Biasa                         Extraordinary General Meeting of
                (“Rapat)                                               Shareholders
 PT Bank BTPN Syariah Tbk (“Perseroan”)                             (the “Meeting”) of
         Selasa 13 Oktober 2026                           PT Bank BTPN Syariah Tbk (“Company”)
                                                                Tuesday, 13 October 2026

Sehubungan dengan penyelenggaraan Rapat Umum          In relation to the convening of the Extraordinary
Pemegang Saham Luar Biasa (“RUPSLB”) PT Bank          General Meeting of Shareholders (the "EGMS") of PT
BTPN Syariah Tbk (“Perseroan“) pada hari Selasa, 13   Bank BTPN Syariah Tbk (the “Company"), on
Oktober    2026    (“Rapat”),   Perseroan     telah   Tuesday, October 13, 2026 (the “Meeting”), the
menyampaikan:                                         Company has published the following:

•   Pengumuman Rapat kepada Pemegang Saham            •   Announcement of the Meeting to Shareholders
    pada tanggal 4 September 2026 yang telah              on 4 September 2026 that has been uploaded to
    diunggah kedalam situs web Perseroan, situs web       the website of the Company, the website of the
    PT Bursa Efek Indonesia (“BEI”) dan aplikasi          Indonesia Stock Exchange (“BEI”) and the
    Electronic    General      Meeting       System       Electronic     General     Meeting     System
    (“eASY.KSEI”) dari PT Kustodian Sentral Efek          (“eASY.KSEI”) application from PT Kustodian
    Indonesia (“KSEI”)                                    Sentral Efek Indonesia (“KSEI”).

•   Pemanggilan Rapat kepada Pemegang Saham           •   The Summoning for the Meeting to the
    pada tanggal 21 September 2026, yang telah            Shareholders on September 21, 2026, that has
    diunggah kedalam situs web Perseroan, situs web       been uploaded to the website of the Company,
    BEI dan aplikasi eASY.KSEI                            the website of BEI and eASY.KSEI application.

Selanjutnya, dengan memperhatikan:                    Furthermore, with respect to:

•   Peraturan Otoritas Jasa Keuangan (“POJK”) No.     •   The Indonesia Financial Services Authority
    15/POJK.04/2020      tentang   Rencana    dan         (Otoritas Jasa Keuangan or ”OJK”) Regulation
    Penyelenggaraan Rapat Umum Pemegang Saham             Number 15/POJK.04/2020 regarding the Plan and
    (“RUPS”) Perusahaan Terbuka;                          Convening of the General Meeting of
                                                          Shareholders (the “GMS”) of the Public
                                                          Companies;

•   POJK No. 14 Tahun 2025 tentang Pelaksanaan        •   OJK Regulation Number Number 14 of the Year
    Rapat Umum Pemegang Saham, Rapat Umum                 2025 regarding the Convening of the General
    Pemegang Obligasi, dan Rapat Umum Pemegang            Meeting of Shareholders, the General Meetings of
    Sukuk Secara Elektronik;                              Bondholders, and the General Meeting of Sukuk
                                                          holders electronically;

•   Anggaran Dasar (“AD”) Perseroan;                  •   The Articles of Association (the “AoA”) of the
                                                          Company;

•   Surat dari Otoritas Jasa Keuangan Departemen      •   The letter from the Financial Services Authority,
    Pengawasan      Bank    Syariah   Nomor    S-         the Department of Sharia Bank Supervisory
    96/PB.22/2026 tanggal 27 Agustus 2026 perihal         Number S-98/PB.22/2026 dated August 27,
    Pembelian Kembali Saham PT Bank BTPN Syariah          2026, regarding the Buyback of Shares of PT
    Tbk, yang menyatakan telah mencatat dalam             Bank BTPN Syariah, Tbk., which states of having
                                                          been recorded in the supervisory administration

                                            Page 1 of 7
Page 2
       administrasi pengawasan Otoritas Jasa Keuangan          of the Financial Services Authority regarding the
       perihal Pembelian Kembali Saham PT Bank BTPN            Buyback of Shares of PT Bank BTPN Syariah, Tbk.
       Syariah Tbk

    Perseroan menyampaikan penjelasan untuk setiap          The Company hereby provides the explanation of
    mata acara Rapat, sebagai berikut:                      each agenda of the Meeting, as follows:

1   Mata Acara                                              Agenda

    Persetujuan atas Rencana Pembelian Kembali              Approval over the Plan for the Buyback of
    Saham (Buyback) Perseroan                               Shares of the Company

    Dasar Hukum:                                            Legal Basis:

    Sehubungan dengan Pasal 37 dan Pasal 38 ayat 1 dan      In relation to Article 37 and Article 38 paragraphs 1
    2 Undang-Undang Nomor 40 Tahun 2007 tentang             and 2 of Law Number 40 of the Year 2007 regarding
    Perseroan Terbatas; Pasal 2 ayat 1 dan Pasal 2 ayat 3   Limited Liability Company; Article 2 paragraph 1 and
    Peraturan Otoritas Jasa Keuangan Nomor 29 Tahun         Article 2 paragraph 3 of the Regulation of the
    2023 tentang Pembelian Kembali Saham yang               Financial Services Authority Number 29 of the Year
    Dikeluarkan oleh Perusahaan Terbuka.                    2023 regarding the Buyback of Shares Issued by
                                                            Public Companies.

    Penjelasan:                                             Explanation:
    Perseroan akan mengusulkan kepada pemegang              The Company will propose to the shareholders to:
    saham untuk:

    1) Menyetujui    pembelian    kembali   saham
                                                            1) Approve the Buyback of shares which have been
       (Buyback) yang telah dikeluarkan Perseroan
                                                               issued by the Company with the total nominal of
       dengan jumlah nominal seluruh saham yang
                                                               the entire shares to be repurchased shall not
       akan dibeli kembali tidak melebihi 10%
                                                               exceed 10% (ten percent) of the total issued
       (sepuluh persen) dari jumlah modal yang
                                                               capital in the Company and the incurred costs
       ditempatkan dalam Perseroan dan biaya yang
                                                               shall be at the most Rp1.000.000.000.000,- (one
       dikeluarkan    adalah   sebanyak-banyaknya
                                                               trillion rupiah), including the broker-dealer fee
       Rp1.000.000.000.000,- (satu triliun rupiah),
                                                               and other costs related to the buyback of shares
       termasuk biaya perantara pedagang efek dan
                                                               aforesaid; and
       biaya lain yang berkaitan dengan pembelian
       kembali saham tersebut; dan
                                                            2) Grant power of attorney and authorities to the
    2) Memberikan kuasa dan wewenang kepada
                                                               Board of Directors of the Company to take actions
       Direksi   Perseroan   untuk   melaksanakan
                                                               which are required in relation to the buyback of
       tindakan yang diperlukan sehubungan dengan
                                                               shares of the Company aforesaid, in accordance
       pembelian kembali saham Perseroan tersebut,
                                                               with the provisions of the prevailing laws and
       sesuai ketentuan peraturan perundang-
                                                               regulations, including, but not limited to,
       undangan yang berlaku, termasuk namun tidak
                                                               determining the price for the buyback of shares
       terbatas untuk menentukan harga pembelian
                                                               issued by the Company.
       kembali saham yang dikeluarkan Perseroan.




                                                 Page 2 of 7
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2   Ketentuan tentang Pembelian Kembali Saham              Provisions regarding the Buyback of Shares of
    Perseroan                                              the Company

    Penjelasan:                                            Explanation:

    Pembelian Kembali Saham tersebut akan dilakukan        The Buyback of Shares aforesaid will be carried out
    sesuai Peraturan Otoritas Jasa Keuangan Nomor 29       in accordance with the Regulation of the Financial
    Tahun 2023 tentang Pembelian Kembali Saham Yang        Services Authority Number 29 of the Year 2023
    Dikeluarkan Oleh Perusahaan Terbuka (“POJK             regarding the Buyback of Shares Issued by Public
    29/2023”), jo ketentuan yang diatur dalam pasal 37     Companies (the “POJK 29/2023”), in conjunction
    ayat (1) Undang-Undang Nomor 40 Tahun 2007             with the provisions stipulated in Article 37 paragraph
    tentang Perseroan Terbatas yang sebagian sudah         (1) of Law Number 40 of the Year 2007 regarding
    diubah dengan Undang-Undang Nomor 6 Tahun 2023         Limited Liability Company which has been partially
    tentang Penetapan Peraturan Pemerintah Pengganti       amended by Law Number 6 of the Year 2023
    Undang-Undang Nomor 2 Tahun 2022 tentang Cipta         regarding the Stipulation of Government Regulation
    Kerja Menjadi Undang-Undang (“UUPT”), yang             in Lieu of Law Number 2 of the Year 2022 regarding
    mengatur jumlah saham yang akan dibeli tidak           Job Creation to Become Law (the “Company Law”),
    melebihi 10% (sepuluh persen) dari jumlah modal        which stipulates the total number of shares to be
    yang ditempatkan dalam Perseroan, serta tidak          repurchased shall not exceed 10% (ten percent) of
    menyebabkan kekayaan bersih Perseroan menjadi          the total issued capital in the Company, as well as
    lebih kecil dari jumlah modal yang ditempatkan dalam   shall not cause the net profit of the Company to
    Perseroan, ditambah cadangan wajib yang telah          become smaller than the total issued capital in the
    disisihkan                                             Company, plus the mandatory reserve which has
                                                           been set aside.
3   Perkiraan Jadwal, Perkiraan Biaya Pembelian            Estimated Schedule, Estimated Cost for the
    Kembali Saham, dan Perkiraan Jumlah Nilai              Buyback, and the Estimated Total Nominal
    Nominal Seluruh Saham Yang Akan Dibeli                 Value of the Entire Shares to be Repurchased
    Kembali

    Penjelasan:                                            Explanation:

    Pembelian Kembali Saham Perseroan akan                 The Buyback of Shares of the Company will be carried
    dilakukan dalam jangka waktu paling lama 12 (dua       out within a period of at the latest 12 (twelve)
    belas) bulan setelah disetujui pada RUPSLB             months after having been approved in the EGMS of
    Perseroan yang akan diselenggarakan pada Selasa        the Company to be convened on Tuesday, dated
    tanggal 13 Oktober 2026.                               October 13, 2026.

    Jika dana yang dialokasikan untuk Pembelian            If the fund allocated for the Buyback of Shares of the
    Kembali Saham Perseroan telah habis dan/atau           Company has been exhausted and/or the total
    jumlah saham yang akan dibeli kembali terpenuhi,       number of shares to be repurchased have been
    maka Perseroan akan melakukan keterbukaan              fulfilled, then, the Company will carry out information
    informasi terkait dengan penghentian pelaksanaan       disclosure related to the termination of
    Pembelian Kembali Saham.                               implementation of Buyback of Shares.




                                                Page 3 of 7
Page 4
4   Perkiraan Biaya Pembelian Kembali Saham              Estimated Cost for the Buyback of Shares

    Penjelasan:                                          Explanation:

    Perkiraan biaya yang diperlukan untuk melakukan      The estimated cost required to carry out the Buyback
    Pembelian Kembali Saham Perseroan adalah             of Shares of the Company shall be at the most
    sebanyak-banyaknya Rp1.000.000.000.000,- (Satu       Rp1.000.000.000.000,- (One Trillion rupiah).
    Triliun Rupiah).

    Biaya tersebut telah termasuk komisi perantara       The cost aforesaid has included the broker-dealer
    pedagang efek dan biaya lainnya sehubungan           commission and other costs in relation to the
    dengan pelaksanaan Pembelian Kembali Saham           implementation of Buyback of Shares of the
    Perseroan.                                           Company.

5   Perkiraan Jumlah Nominal Seluruh Saham               Estimated Total Nominal of the Entire Shares
    Yang Akan Dibeli Kembali                             to be Repurchased

    Penjelasan:                                          Explanation:

    Pembelian Kembali Saham Perseroan dari               The Buyback of Shares of the Company from public
    pemegang saham publik tidak akan melebihi 10%        shareholders shall not exceed 10% (ten percent) of
    (sepuluh persen) dari jumlah modal yang              the total issued capital in the Company (the
    ditempatkan      dalam    Perseroan (maksimum        maximum purchase based on regulation) as well as
    pembelian berdasarkan regulasi) serta tidak          shall not cause the net profit of the Company to
    menyebabkan kekayaan bersih Perseroan menjadi        become smaller than the total issued capital in the
    lebih kecil dari jumlah modal yang ditempatkan       Company, plus the mandatory reserve which has
    dalam Perseroan, ditambah cadangan wajib yang        been set aside based on the Company Law.
    telah disisihkan berdasarkan UUPT.

6   Penjelasan, Pertimbangan, dan Alasan                 Explanation, Considerations, and Reasons for
    Dilakukannya Pembelian Kembali Saham                 Carrying Out the Buyback of Shares

    Penjelasan:                                          Explanation:

    a. Perseroan      memiliki  kesempatan      serta    a. The Company has the opportunity as well as the
       fleksibilitas untuk melaksanakan Pembelian           flexibility to carry out the Buyback of Shares at
       Kembali Saham setiap saat berdasarkan kondisi        any time based on the market condition, within a
       pasar, dalam jangka waktu 12 (dua belas) bulan       period of 12 (twelve) months starting as of the
       terhitung sejak persetujuan RUPSLB        atas       approval of the EGMS over the Plan for the
       Rencana Pembelian Kembali Saham Perseroan            Buyback of Shares of the Company is acquired;
       diperoleh;

    b. Rencana Pembelian Kembali Saham diharapkan        b. The Plan for the Buyback of Shares is expected
       dapat meningkatkan likuiditas perdagangan            to be able to increase the trading liquidity of the
       saham Perseroan sehingga harga saham                 shares of the Company, therefore, the price of
       Perseroan diharapkan dapat mencerminkan              the shares of the Company is expected to be able
       nilai fundamental Perseroan; dan                     to reflect the fundamental value of the Company;
                                                            and




                                                Page 4 of 7
Page 5
    c.   Dengan dilaksanakannya Pembelian Kembali       c. With the carrying out of the Buyback of Shares of
         Saham     Perseroan   diharapkan    dapat         the Company, it is expected to be able to provide
         memberikan tingkat pengembalian yang baik         good rate of return for the shareholders as well
         bagi pemegang saham serta menjaga                 as to maintain the interest of the all shareholders.
         kepentingan semua pemegang saham.

7   Perkiraan    Menurunnya      Pendapatan             Estimated Decrease of Revenue of the
    Perseroan Sebagai Akibat Pelaksanaan                Company as the Result of Implementation of
    Pembelian Kembali Saham dan Dampak Atas             the Buyback of Shares and the Impact over the
    Biaya Pembiayaan Perseroan                          Cost of Financing of the Company

    Penjelasan:                                         Explanation:

    Perseroan meyakini bahwa pelaksanaan Pembelian      The Company believes that the implementation of
    Kembali Saham tidak memberikan dampak negatif       the Buyback of Shares does not give negative impact
    terhadap pendapatan Perseroan mengingat             towards the revenue of the Company, bearing in
    Perseroan memiliki saldo laba ditahan serta arus    mind that the Company has retained earnings
    kas yang mencukupi untuk membiayai pelaksanaan      balance as well as sufficient cash flow to finance the
    Pembelian Kembali Saham bersamaan dengan            implementation of the Buyback of Shares
    kegiatan usaha Perseroan.                           simultaneously with the business activities of the
                                                        Company.
8   Proforma Laba Perseroan Per Saham Setelah           Proforma Profit of the Company Per Share
    Pembelian Kembali Saham Dilaksanakan                After the Buyback of Shares is Implemented

    Penjelasan:                                         Explanation:

    Proforma laba Perseroan setelah Pembelian Kembali   The proforma profit of the Company after the
    Saham dilaksanakan yang dihitung dengan             Buyback of Shares is implemented which is calculated
    menggunakan asumsi bahwa biaya Pembelian            by using the assumption that the cost for the
    Kembali        Saham         adalah       sebesar   Buyback of Shares shall be in the amount of
    Rp1.000.000.000.000,- (Satu Triliun Rupiah),        Rp1.000.000.000.000,- (One Trillion Rupiah),
    termasuk komisi perantara pedagang efek dan biaya   including the broker-dealer commission and other
    lainnya sehubungan dengan pelaksanaan Pembelian     costs in relation to the implementation of the
    Kembali Saham:                                      Buyback of Shares;




                                               Page 5 of 7
Page 6
                                                  Periode Laporan Keuangan
                                        Yang Berakhir pada 30 Juni 2026 (Tidak Diaudit)
                                           (dalam jutaan Rupiah, kecuali dinyatakan lain)
                                                   Period of Financial Statement
                                              Ended on June 30, 2026 (Unaudited)
                                           (in million Rupiah, unless stipulated otherwise)
         Keterangan/Remarks
                                        Sebelum          Dampak/Impact                Setelah
                                       Pembelian                                  Pembelian
                                        Kembali                                    Kembali
                                     Saham/Before                                Saham/After
                                     the Buyback of                             the Buyback of
                                         Shares                                     Shares
         Total Aset/Total Assets         23.301.720            (1.000.000)             22.301.720
         Laba Tahun                         655.488                (5.328)                650.160
         Berjalan/Current Year
         Profit
         Ekuitas/Equity                  10.258.399            (1.000.000)              9.258.399
         Laba per saham Dasar                 85,09                  10,45                  94,54
         (Rupiah penuh)/Profit
         per basic share (full
         Rupiah)

9    Pembatasan Harga Saham untuk Pembelian            Restriction on the Price of Shares for the
     Kembali Saham                                     Buyback of Shares

     Penjelasan:                                       Explanation:

     Perseroan akan melakukan Pembelian Kembali        The Company will carry out the Buyback of Shares
     Saham dengan harga yang dianggap wajar oleh       with the price considered fair by the Company with
     Perseroan dengan tetap memperhatikan POJK         due observance of POJK 29/2023.
     29/2023.

10   Metode Yang Digunakan Untuk Membeli               Method Used to Buyback of Shares
     Kembali Saham

     Penjelasan:                                       Explanation:

     Perseroan akan melaksanakan Pembelian Kembali     The Company will carry out the Buyback of Shares
     Saham dengan metode sebagaimana yang diatur       with the method as stipulated in POJK 29/2023.
     dalam POJK 29/2023.

11   Pembahasan   dan    Analisis  Manajemen           Management      Discussion    and   Analysis
     Mengenai Pengaruh Pembelian Kembali               Regarding the Influence of Buyback of Shares
     Saham Terhadap Kegiatan Usaha dan                 Towards Business Activities and Growth of the
     Pertumbuhan Perseroan di Masa Mendatang           Company in the Future

     Penjelasan:                                       Explanation:

     Perseroan meyakini bahwa pelaksanaan Pembelian    The Company believes that the implementation of
     Kembali Saham tidak akan mempengaruhi kegiatan    Buyback of Shares will not affect the business and
     usaha dan operasional, serta pertumbuhan usaha    operational activities, as well as business growth of


                                              Page 6 of 7
Page 7
     Perseroan di masa mendatang karena Perseroan       the Company in the Future because the Company has
     telah memiliki kecukupan modal (CAR) yang cukup    sufficient capital adequacy (CAR) to carry out the
     untuk menjalankan kegiatan usaha Perseroan.        business activities of the Company.

12   Sumber Dana Yang Akan Digunakan Untuk              Source of Fund to be Used for                      the
     Pelaksanaan Pembelian Kembali Saham                Implementation of Buyback of Shares

     Penjelasan:                                        Explanation:

     a. Sumber dana yang akan digunakan untuk           a. The source of fund to be used for the
        pelaksanaan Pembelian Kembali Saham                implementation of Buyback of Shares are entirely
        sepenuhnya berasal dari Ekuitas Perseroan.         deriving from the Equity of the Company.

     b. Penggunaan dana untuk Pembelian Kembali         b. The utilization of fund for the Buyback of Shares
        Saham tersebut tidak akan mempengaruhi             aforesaid will not significantly affect the financial
        kemampuan keuangan Perseroan secara                capability of the Company.
        signifikan.

13   Rencana Perseroan       Atas    Saham    Hasil     Plan of the Company over the Shares Resulting
     Pembelian Kembali                                  from the Buyback

     Penjelasan:                                        Explanation:

     Perseroan akan melakukan pengalihan atas saham     The Company will carry out the transfer of shares
     hasil Pembelian Kembali dengan cara sebagaimana    resulting from the Buyback in the manner as
     yang diatur dalam POJK 29/2023.                    stipulated in POJK 29/2023.




                                               Page 7 of 7

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Names mentioned 24 people and organisations named in the text · linked when the evidence is strong

linked org Bank BTPN Syariah Tbk p.1 ×14
possible org PT Bursa Efek Indonesia p.1
possible org Otoritas Jasa Keuangan p.1 ×6
unresolved org PT BTPN Syariah Tbk p.1
unresolved org Syariah Tbk p.1
unresolved org Bank BTPN Syariah Tbk (the “Company"), on p.1
unresolved org Indonesia Stock Exchange p.1
unresolved — Stock Exchange p.1
unresolved org PT Kustodian Sentral Efek p.1
unresolved org (“eASY.KSEI”) application from PT p.1
unresolved — Sentral p.1
unresolved — Shareholders on September 21, 2026, that has p.1
unresolved — been uploaded to p.1
unresolved — eASY.KSEI application. p.1
unresolved — Furthermore, with respect to: p.1
unresolved org Financial Services Authority p.1 ×4
unresolved — 15/POJK.04/2020 regarding the Plan p.1
unresolved — Convening of the General Meeting p.1
unresolved — 2025 regarding the Convening of the General p.1
unresolved — Meeting of Shareholders, the General Meetings p.1
unresolved — Bondholders, and the General Meeting of Sukuk p.1
unresolved — S-98/PB.22/2026 dated August 27, p.1
unresolved org 2026, regarding the Buyback of Shares of PT p.1
unresolved org Bank BTPN Syariah, Tbk., which states of having p.1

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