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Disclaimer: The contents of this document/information remain the intellectual property of Maybank and no part of this is to be
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Maybank Indonesia
Financial Results
1H 2026 ended 30 June 2026
11
Page 2
Table of Contents
Maybank
Macro- Executive Results Shariah
Indonesia in
economics Brief Summary Overview Business Unit
2 4
2 8 16
13 23
18
Awards and
Digital
Subsidiaries Sustainability Events
Banking
Highlights
25
20 30
20 25
33 29
37
Page 3
GDP Growth
Current
Economic
Account
Macroeconomics 5.61%
Growth
-0.9% to -0.1%
5.39%
and Industry 5.11% 5.12%
4.9% to 5.7%
of GDP
Updates 5.05%
4.95% 5.02%
4.87%
5.04%
Inflation Loan Growth
Indonesia’s economy
2.5% ± 1% 8% to 12%
remains resilient despite
global challenges,
1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026
supported by strong
Source: Statistics Indonesia (BPS) Bank Indonesia’s 2026 Prospect
domestic demand,
stable inflation, ample
foreign reserves, and Loan and Deposit Growth Shariah Financing and Funding Growth
fiscal discipline.
Continued policy 13.81% 13.55%
coordination and 12.36%
11.16%
structural reforms are 10.85% 10.46%
9.49%
expected to preserve 9.16%
13.70%
7.77% 7.70%
macroeconomic 9.63%
12.04%
11.25% 11.22%
10.09% 10.19%
stability and support 8.45% 9.17%
8.15%
7.04% 11.45%
medium-term growth 6.96%
10.41% 9.91% 9.28% 9.47%
with the deficit 4.48% 4.75% 6.91% 7.41%
projected at 2.68% of 5.59%
GDP in 2026, supporting
a sound debt trajectory. Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26
Loan Deposit Financing Funding
* All growth percentages noted are on
year-on-year (YoY) basis unless Source: Indonesia Banking Statistics (SPI) Source: Sharia Banking Statistics (SPS)
otherwise stated 3
Page 4
Table of Contents
Maybank
Macro- Executive Results Shariah
Indonesia in
economics Brief Summary Overview Business Unit
2 2
4 8 16
13 23
18
Awards and
Digital
Subsidiaries Sustainability Events
Banking
Highlights
25
20 30
20 25
33 29
37
Page 5
Our Presence
1988- 2014-
1959 2008 2019 2023 2026
1989 2015
Established in • Obtained license for Acquired by Malayan • Launched the Shariah Launched the new Provided Indonesia’s first TIME Asia-Pacific's Best
15 May 1959 foreign exchange Banking Berhad First Strategy M2U mobile banking ever Shariah Wealth Companies of 2026 –
transactions (Maybank) • Change of name from BII application Management solution Maybank Group
• Listed in stock exchange to Maybank Indonesia
Maybank Indonesia Market Presence Maybank Indonesia Footprint
Loans Market Share (as of Mar 26) Physical Footprint
Top 6
20.4% 19.8% 13th Total Assets 266 21 634
Branches (incl. KCP Mobile ATM* including
12.6% 11.6% Rp213.8 tn shariah and (Mobile Cash 26 Cash Recycle
5.1% 3.0% 1.5% Mumbai branch) Van) Machines (CRM)
Mandiri BRI BCA BNI BTN CIMBN MBI
Deposits Market Share (as of Mar 26) Digital Footprint Employee Strength
Top 6
19.2% 17.3%
14.3% 12.2% 16th Rating Calls >107,000 >4,100 >6,100
4.7% 2.9%
idAAA PEFINDO M2U Active M2E Active Maybankers
1.3%
Users Users
Mandiri BRI BCA BNI BTN CIMBN MBI
* Connected through ATM PRIMA, ATM BERSAMA, ALTO, CIRRUS networks, as well as linked to Maybank ATMs in Singapore, Malaysia, and Brunei
^ Data as of Jun-26 5
# Active users are defined as those who transact regularly through digital platforms
Page 6
Board of Commissioners
Dato’ Zulkiflee Abbas Abdul Hamid* Dato’ ‘Sri Khairussaleh Ramli** Datuk Lim Hong Tat DR. Hasnita Dato’ Hashim*
President Commissioner Commissioner Commissioner Commissioner
Hendar Putut Eko Bayuseno Marina R. Tusin Daniel James Rompas
Independent Commissioner Independent Commissioner Independent Commissioner Independent Commissioner
* Effective after obtaining OJK approval
** Dato’ Sri Khairussaleh Ramli still carries out his duty as President Commissioner until Dato’ Zulkiflee Abbas Abdul Hamid’s position as President Commissioner is obtained 6
Page 7
Board of Directors
Steffano Ridwan Irvandi Ferizal Widya Permana Bambang Andri Irawan
President Director Director Director Director
Yessika Effendi Romy Hardiansyah Shaiful Adhli Yazid Bianto Surodjo Mariana Husin
Director Director Director Director Director
7
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Table of Contents
Maybank
Macro- Executive Results Shariah
Indonesia in
economics Brief Summary Overview Business Unit
2 4
2 8 16
13 23
18
Awards and
Digital
Subsidiaries Sustainability Events
Banking
Highlights
25
20 30
20 25
33 29
37
Page 9
Summary Highlights
Profit Before Tax & Minority Interest Net Interest Income (NII)
Rp billion Rp billion
21.8% 3.9%
1H 2026 vs 1H 2025 766 933 3,574 3,712
Profit before tax
increased 21.8% to
Rp933 billion 1H 2026 Jun-25 Jun-26 Jun-25 Jun-26
The Bank recorded Profit Non-Interest Income (NoII) Net Interest Margin (NIM)
Rp billion
Before Tax (PBT) of Rp933 5.4% 0.08%
4.36% 4.28%
billion supported by a lower 975 923
cost of funds resulting from
an improved funding mix
Jun-25 Jun-26 Jun-25 Jun-26
and sustained cost
management. PATAMI Operating Expense Provision
Rp billion Rp billion
increased 21.2% to Rp698 0.8% 19.0%
billion. 3,315 3,342 492
398
* All numbers are based on Consolidated Financial Statements
which are in accordance with accounting classification unless
otherwise stated. The classifications differ from published
results which are in accordance with OJK’s classification. Jun-25 Jun-26 Jun-25 Jun-26
^ All growth percentages noted are on year-on-year (YoY) basis
unless otherwise stated 9
Page 10
Loan Deposit
Rp billion 3.8% Rp billion 8.2%
121,693 126,280 124,102
114,702
Loan & Deposit Growth
• Total outstanding
loans increased 3.8%
Jun-25 Jun-26 Jun-25 Jun-26
to Rp126.3 trillion,
marking a return to GIL CASA Ratio
7.40%
positive growth since 0.25%
FY2024. 4.09% 3.84%
56.23% 63.63%
• Total customer
deposits increased by
8.2% driven by strong
Jun-25 Jun-26 Jun-25 Jun-26
growth in CASA, further
strengthening the NPL LDR
Bank's funding mix. 0.22% 102.00% 2.19%
99.81%
2.35% 2.13% 89.13% 86.55%
2.58%
* All growth percentages noted are on Jun-25 Jun-26 Jun-25 Jun-26
year-on-year (YoY) basis unless
otherwise stated 10
LDR (Consolidated) LDR (Bank Only)
Page 11
Shariah Business Unit Asset Financing
Rp trillion 5.5% Rp trillion
11.7%
• Shariah Banking recorded a Profit 43.2 33.0
40.9 29.5
Before Tax of Rp488 billion, up by 55.1%,
supported by expanding financing
balances and continued funding
optimisation, while fee-based income
increased 20.0%. Jun-25 Jun-26 Jun-25 Jun-26
CASA NPF
• Shariah financing increased by 11.7% to Rp trillion 19.5% 0.17%
Rp33.0 trillion. Shariah CFS financing
24.7
grew 14.0% to Rp18.8 trillion through 20.7 2.35% 2.19%
continued growth in both retail and
non-retail financing, while Shariah GB
financing grew 8.9% to Rp14.2 trillion.
Jun-25 Jun-26 Jun-25 Jun-26
• Shariah’s CASA grew 19.5%. Current
Accounts rose 37.8% to Rp14.4 trillion,
while Savings Accounts slightly grew Financing to Deposit Ratio (FDR) stood at 94.53% in Jun-26 from
0.7% to Rp10.3 trillion, and Time Deposits 85.52% in Jun-25.
declined by 31.0%.
* All growth percentages noted are on year-on-year (YoY) basis
unless otherwise stated
11
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Subsidiaries
Maybank Finance PBT WOM Finance PBT
Rp billion Rp billion
• Maybank Finance’s
four-wheeled financing 40.0% 14.8% 121
394 105
increased 25.3% to
281
Rp8.6 trillion. PBT rose
40.0% to Rp394 billion
due to lower loan loss
provisions and Jun-25 Jun-26 Jun-25 Jun-26
investment income
from equity holdings. Maybank Finance WOM Finance
Financing Financing
Rp billion Rp billion
• WOM Finance’s 25.3% 6.0%
8,633
financing recorded an 6,888 6,346 6,729
increase of 6.0% to
Rp6.7 trillion and PBT
increased 14.8% to Rp121
billion.
Jun-25 Jun-26 Jun-25 Jun-26
* All growth percentages noted are on
year-on-year (YoY) basis unless
otherwise stated 12
Page 13
Table of Contents
Maybank
Macro- Executive Results Shariah
Indonesia in
economics Brief Summary Overview Business Unit
2 4
2 8 13
16 23
18
Awards and
Digital
Subsidiaries Sustainability Events
Banking
Highlights
25
20 30
20 25
33 29
37
Page 14
Income Statement - Consolidated
Rp billion 1H 2026 1H 2025 YoY 2Q 2026 1Q 2026 QoQ
Interest Income 6,445 6,636 -2.9% 3,311 3,134 5.7%
Interest Expense (2,733) (3,062) -10.8% (1,414) (1,319) 7.2%
Net Interest Income 3,712 3,574 3.9% 1,897 1,815 4.5%
GM related 62 178 -65.2% 42 20 114.7%
Non-GM related 861 797 8.0% 479 382 25.2%
Non Interest Income 923 975 -5.4% 521 402 29.6%
Gross Operating Income 4,635 4,550 1.9% 2,418 2,217 9.1%
Personnel (1,712) (1,709) 0.2% (834) (879) -5.1%
General & Administrative (1,630) (1,605) 1.5% (815) (815) 0.0%
Operating Expenses (3,342) (3,315) 0.8% (1,648) (1,694) -2.7%
Operating Income before Provisions 1,293 1,235 4.7% 770 523 47.1%
Provisions (398) (492) -19.0% (275) (123) >100%
Operating Income After Provision 895 743 20.4% 495 400 23.8%
Non Operating Income 38 23 66.7% 41 (3) >100%
Profit Before Tax & Minority Interest 933 766 21.8% 536 397 34.8%
Tax & Minority Interest (235) (190) 23.5% (137) (98) 39.9%
Profit After Tax & Minority Interest (PATAMI) 698 576 21.2% 398 299 33.2%
14
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Maintain disciplined pricing to support margins
NII & NIM NoII Composition
4.36% 4.28%
21.44% 19.92%
3,712
3,574
3.9% Total
975 923 Recovery
5.4%
172 98
NII (Rp bn) Forex
85
68
NIM (%) 110 MS
196
169
Fee & commissions
other than loans
Others
567
457
NoII to Total Income
(%)
(23)
Jun-25 Jun-26
Jun-25 Jun-26
Net Interest Income (NII) increased by 3.9% to Rp3.7 trillion, while Non-Interest Income (NOII) declined by 5.4% to
Rp923 billion due to Global Markets (GM), impacted by continued market volatility and geopolitical uncertainties.
.
15
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Continue to expand lending portfolio across corporate and SME
businesses
Loans by Currency Loans Portfolio Breakdown
Rp trillion Jun-26 Mar-26 Jun-25 YoY QoQ Composition
15% 15% Global Banking 55.0 51.1 52.4 5.0% 7.5% 43.5%
LLC 16.3 12.6 13.8 18.0% 29.3% 12.9%
Jun-25 Jun-26 Business Banking 18.9 17.5 15.2 24.3% 8.1% 14.9%
SOE 9.2 9.2 12.6 -26.9% 0.4% 7.3%
85% 85% FIG 9.9 11.2 10.2 -2.3% -11.6% 7.9%
Mumbai 0.6 0.6 0.6 10.0% -0.1% 0.5%
Rupiah Foreign Exchange CFS 71.3 70.9 69.3 2.9% 0.6% 56.5%
CFS Non-Retail 22.7 22.4 22.3 1.7% 1.1% 18.0%
Loans by Segment
SME+ 7.3 7.1 6.3 14.4% 2.8% 5.7%
RSME 15.4 15.4 16.0 -3.4% 0.3% 12.2%
CFS Retail 48.6 48.4 47.0 3.4% 0.4% 38.5%
43% 44% Auto Loan 27.0 26.8 25.3 6.5% 0.5% 21.3%
Jun-25 Jun-26
57% 56% WOM 6.7 6.7 6.3 6.0% 0.4% 5.3%
MIF 20.2 20.1 19.0 6.7% 0.6% 16.0%
Mortgage 16.6 16.8 17.1 -2.8% -1.3% 13.1%
Unsecured Loans 4.5 4.3 4.1 11.2% 6.1% 3.6%
GB CFS
Others 0.6 0.6 0.6 -2.3% -1.0% 0.5%
Total 126.3 122.0 121.7 3.8% 3.5% 100.0%
* Unsecured Loans consists of Credit Card and Personal Loans
16
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Maintaining prudent risk management and healthy asset quality
Special Mention Loans Special Mention Loans by Segment
5.98% 5.84%
5.48% 5.54%
5.16%
GB
3.51% 3.37% 3.38% 3.17%
3.04%
2.19% 2.44% 2.16% CFS Retail
1.98% 1.98%
CFS Non-Retail
1.51%
1.07% 1.05% 0.97% 1.06%
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
NPL Gross NPL by Segment
5.52% 5.74%
5.29% 5.28%
4.91%
2.35% 2.43% Gross
2.17% 2.25% 2.13% GB
Net 2.03% 2.02% 1.90% 1.98% 2.07%
CFS Retail
CFS Non-Retail
1.45% 1.46% 1.31% 1.35% 1.27%
1.19% 1.22% 1.04% 1.09% 0.98%
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
17
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CASA improved by 22.4% to strengthen funding mix
Customer Deposits by Business Segment Customer Deposits Breakdown
Jun-26 Mar-26 Jun-25 YoY QoQ Composition
Current Account 55.1 50.4 41.7 32.1% 9.3% 44.4%
40% Global Banking
46%
Jun-25 54% Jun-26 Saving Account 23.9 22.1 22.8 4.8% 8.2% 19.3%
CFS
60%
CASA 79.0 72.5 64.5 22.4% 9.0% 63.6%
Time Deposit 45.1 45.9 50.2 -10.1% -1.6% 36.4%
Customer Deposits by Type Total 124.1 118.4 114.7 8.2% 4.9% 100.0%
CASA Ratio 63.63% 61.22% 56.23% 7.40% 2.40%
36% Current Account 37%
44% 44%
Jun-25 Saving Account Jun-26
Time Deposit
20% 19%
Customer Deposits by Currency
26% 28%
Foreign Currency
Jun-25 Rupiah
Jun-26
74% 72%
18
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A higher CASA mix supports funding stability
Liquidity Indicators
61.22% 63.63%
56.23% 57.55%
52.26%
CASA Ratio
102.00% 103.62% 99.15% 99.81%
88.30%
LDR
89.13% 90.31% 85.49% 86.55%
77.51%
LDR (Bank only) LDR (Consolidated)
162.93% 176.20%
150.70%
LCR 142.85% 139.87%
124.05% 119.94% 120.59% 118.82%
106.71%
NSFR
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
19
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Strong capital position to support sustainable business growth
26.62% 27.07% 27.31% 26.34%
24.32% CAR
25.45% 25.90% 26.14% 25.17%
23.15% Tier I
1.17% 1.17% 1.17% 1.17% 1.17%
Tier II
128,653
118,140 120,649
115,321 116,275
Risk Weighted Asset
(Rp billion)
30,697 31,472 32,265 31,785 31,289
Total Capital
(Rp billion)
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
20
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Balance Sheet - Consolidated
Rp billion Jun-26 Mar-26 Jun-25 YoY QoQ
Loans 126,280 121,994 121,693 3.8% 3.5%
Other Earning Assets 57,024 50,122 46,397 22.9% 13.8%
Other Assets 30,503 20,051 16,823 81.3% 52.1%
Total Assets 213,808 192,167 184,913 15.6% 11.3%
Deposits from Customer 124,102 118,353 114,702 8.2% 4.9%
- Current Account 55,068 50,381 41,696 32.1% 9.3%
- Saving Account 23,892 22,078 22,796 4.8% 8.2%
- Time Deposit 45,142 45,894 50,210 -10.1% -1.6%
Deposits from Other Banks 5,378 4,682 5,490 -2.0% 14.9%
Borrowings & Repo 29,655 21,018 20,190 46.9% 41.1%
Securities Issued 6,853 5,369 3,950 73.5% 27.6%
Subordinated Debt 100 100 100 0.0% 0.0%
Other Liabilities 15,454 9,904 8,936 73.0% 56.0%
Total Liabilities 181,541 159,426 153,366 18.4% 13.9%
Equity (attributable to equity holders) 31,619 32,116 30,944 2.2% -1.5%
Minority Interest 647 625 603 7.2% 3.5%
Total Equity 32,267 32,741 31,547 2.3% -1.4%
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Financial Ratios
Consolidated Bank only
Jun-26 Mar-26 Jun-25 YoY QoQ Jun-26 Mar-26 Jun-25 YoY QoQ
Profitability
Return On Assets 0.92% 0.83% 0.82% 0.10% 0.09% 0.48% 0.48% 0.68% -0.20% 0.00%
Return On Equity 4.64% 3.94% 3.93% 0.71% 0.70% 2.87% 2.74% 4.27% -1.40% 0.13%
Net Interest Margin 4.28% 4.34% 4.36% -0.08% -0.06% 3.16% 3.13% 3.26% -0.10% 0.03%
Efficiency & Productivity Ratio
Cost to Income Ratio 71.57% 75.02% 73.58% -2.01% -3.45% 81.62% 84.78% 76.88% 4.74% -3.16%
BOPO 87.99% 88.94% 90.24% -2.25% -0.95% 92.83% 92.15% 90.89% 1.94% 0.68%
Earning Asset Quality
Impaired Loans - Gross 3.84% 3.95% 4.09% -0.25% -0.11% 4.12% 4.31% 4.38% -0.26% -0.19%
Impaired Loans - Net 2.09% 2.12% 2.16% -0.07% -0.03% 2.25% 2.32% 2.32% -0.07% -0.07%
NPL - Gross 2.13% 2.25% 2.35% -0.22% -0.12% 2.21% 2.39% 2.46% -0.25% -0.18%
NPL - Net 1.27% 1.35% 1.45% -0.18% -0.08% 1.33% 1.46% 1.54% -0.21% -0.13%
Balance Sheets Structure
LDR 99.81% 99.15% 102.00% -2.19% 0.66% 86.55% 85.49% 89.13% -2.58% 1.06%
Modified LDR *) 74.58% 78.48% 81.01% -6.43% -3.90% 68.85% 72.72% 75.54% -6.69% -3.87%
LCR 139.87% 150.70% 142.85% -2.98% -10.83% 138.20% 146.19% 152.19% -13.99% -7.99%
NSFR 118.82% 120.59% 106.71% 12.11% -1.77% 110.66% 112.38% 106.79% 3.87% -1.72%
CASA 63.63% 61.22% 56.23% 7.40% 2.41% 64.06% 61.62% 56.96% 7.10% 2.44%
CAR 24.32% 26.34% 26.62% -2.30% -2.02% 21.97% 24.32% 24.57% -2.60% -2.35%
* Financial Ratios are based on published financial statements which are in accordance with OJK’s classification
^ Modified LDR is based on internal calculation and defined as (Loans excl. Rural Banks) / (Third Party Deposits + Borrowings + Repo + Securities Issued + Sub Debt)
22
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Table of Contents
Maybank
Macro- Executive Results Shariah
Indonesia in
economics Brief Summary Overview Business Unit
2 4
2 8 16
13 23
18
Awards and
Digital
Subsidiaries Sustainability Events
Banking
Highlights
25
20 30
20 25
33 25
37
Page 24
Shariah Business Unit’s (UUS) PBT increased by 55.2% to Rp488 billion
Financing Total Asset Deposits
Rp billion Rp billion Rp billion
72.18%
59.96%
11.7% 5.5%
43,151
40,907
32,965 34,495 0.7% 34,237
29,501 TD
9,526 CASA
13,811
CASA
Ratio
24,711
20,685
Jun-25 Jun-26 Jun-25 Jun-26 Jun-25 Jun-26
NPF FDR
Key Drivers
NPF gross NPF net
• UUS recorded a PBT of Rp488 billion in 1H26, compared with Rp315 billion in 1H25.
• Total Shariah financing increased 11.7% YoY to Rp33.0 trillion, driven by strong growth Shariah 94.53%
85.52%
GB, which increased 8.9% YoY, particularly in the Financial Institutions Group (FIG) and Large
Local Corporates (LLC) segments. Meanwhile, Shariah CFS financing grew 14.0% YoY, 2.35% 2.19%
supported by continued growth in both retail and non-retail financing. Total Shariah assets
increased 5.5% YoY.
1.63% 1.47%
• Shariah CASA increased 19.5% YoY, while Time Deposits declined 31.0% YoY, reflecting
continued funding optimisation. Although customer deposits declined marginally by 0.7% Jun-25 Jun-26 Jun-25 Jun-26
YoY, the CASA ratio improved to 72.18% as at June 2026 from 59.96% as at June 2025.
24
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Table of Contents
Maybank
Macro- Executive Results Shariah
Indonesia in
economics Brief Summary Overview Business Unit
2 4
2 8 16
13 23
18
Awards and
Digital
Subsidiaries Sustainability Events
Banking
Highlights
25
20 30
20 25
33 25
37
Page 26
M2U’s Financial Transaction volume keeps growing 1. M2U Txn Frequency (in Mn)
20.5% YoY
M2U financial transaction reached more than 8.7 million in Q2’26.
8.69 8.77
8.41
113% YoY 7.76
M2U QR Pay & QR Cardless Withdrawal transactions in Q2’26 and reach 7.28
more than IDR 750 billion in transaction volume.
Digital Customer Acquisition & CASA Growth
More than 59k saving accounts have been opened digitally through Q2'25 Q3'25 Q4'25 Q1'26 Q2'26
digital platform in Q2’26.
2. M2E Txn Frequency (in Mn)
23% YoY
The total CASA balance opened through digital platform reached IDR 6.1 Tn.
1.35
1.29
M2E 1.24 1.28
1.17
5.6% YoY
Total financial transaction frequency in Q2’26 reach more than 1.28 million
with current account balance of M2E users in Q2’26 reached more than IDR
44.7 trillion, grow by more than 34.2% YoY
Q2'25 Q3'25 Q4'25 Q1'26 Q2'26
Page 27
M2U ID offers a comprehensive investment solution
through a fully STP online system, enabling
customers to seamlessly open and access a wide Managing finance easily with the M2U ID App’s
range of investment products, including Fixed 360 Digital Wealth Feature
Deposits, Mutual Funds, Bonds & Gold which are
available in both Conventional & Sharia. All of
which can be managed conveniently through 360
Digital Wealth Feature.
Making financial plans for future goals
Managing the entire asset & loan portfolio
Monitoring every expenses
Monitoring & Managing Capabilities:
Mutual
Saving Deposit Bonds Gold Bancassurance
Funds
Mortgage Maybank Credit Unsecured Portfolio Management Expense Tracker Goal Based Investment
Cards Load
Page 28
From Today’s Decisions to Tomorrow’s Wealth, All in M2U ID App for Smarter Financial Planning
Digital Wealth in M2U ID App supports customers’ long-term financial
aspirations by providing seamless access to Mutual Funds, Bonds, Gold and
Bancassurance through a single digital platform, enabling portfolio
diversification and efficient wealth management.
Mutual Funds
Mutual funds on M2U ID App allow customers to invest from IDR
100,000, including Sharia-compliant options, through a seamless
digital experience.
Bonds
Government bonds on M2U ID App provide access to retail and
Sharia-compliant securities in Rupiah or foreign currencies,
backed by the Government of Indonesia.
Gold
M2U ID App enables customers to buy and manage gold easily and
securely anytime, anywhere, enhancing access to gold investment
opportunities.
Bancassurance
M2U ID App offers MyProtection Simple & MyProtection Cash insurance,
providing reliable coverage for both life and health protection.
Page 29
Scalling Financing Through End-to-End Digital Journey
Digital Financing in M2U supports sustainable growth by enabling end-to-
end digital onboarding and management of credit cards and personal loans
through the M2U ID App. The platform enhances customer convenience and
operational efficiency via fully digital processes, while targeted X-Cash &
Personal Loan offerings expand access to financing for selected customers
and support overall portfolio quality.
Credit Card Management
Activation Card Detail Information
Installment Conversion Card Replacement
Increase Limit Card Control Security
Virtual Credit Card Application
Existing Customer Add-On Card
New Customer Supplementary Card
Digital Unsecured Loans
X-Cash Personal Loan
Page 30
Table of Contents
Maybank
Macro- Executive Results Shariah
Indonesia in
economics Brief Summary Overview Business Unit
2 4
2 8 16
13 23
18
Awards and
Digital
Subsidiaries Sustainability Events
Banking
Highlights
25
20 30
20 25
33 25
37
Page 31
Maybank Finance Performance
Balance Sheet Unit Financing
Rp billion Jun-26 Mar-26 Jun-25 YoY QoQ
(in unit)
Total Asset 9,066 8,962 7,257 24.9% 1.2%
Financing 8,633 8,613 6,888 25.3% 0.2% 46,870
42,633 Total Unit
% to Total MBI Loans (%) 6.84% 7.06% 5.66% 1.18% -0.22% 39,582 YoY: 24.0%
1,107
4,589 4,419 4,036 13.7% 3.8% 537
Total Equity 1,002
Asset Quality 26,738
21,563
% Jun-26 Mar-26 Jun-25 YoY QoQ 726 Used Car
45,763 486 YoY: 49.4%
Gross NPF 0.31% 0.28% 0.31% 0.00% 0.04% 42,096 38,580
Net NPF 0.12% 0.12% 0.14% -0.01% 0.01% 26,012
21,077
Income Statement New Car
Dec-23 Dec-24 Dec-25 Jun-25 Jun-26 YoY: 23.4%
Rp billion 1H 2026 1H 2025 YoY 2Q 2026 1Q 2026 QoQ
Revenue 697 566 23.1% 365 332 10.1% New Car Used Car
Operating Expense 138 130 5.8% 70 68 2.4%
Profit Before Tax 394 281 40.0% 217 177 22.5%
% to Total MBI PBT 42.23% 36.73% 5.50% 42.23% 44.58% -2.35%
No of Total Unit
Customer Branch Financed
126,150 30 26,738
31
Page 32
WOM Finance Performance
Balance Sheet Unit Financing
Rp billion Jun-26 Mar-26 Jun-25 YoY QoQ
(in unit)
Total Asset 8,380 8,781 8,552 -2.0% -4.6%
Total Unit
6,729 6,702 6,346 6.0% 0.4% 212,259 YoY: -9.6%
Financing
1,044 184,348 181,571
% to Total MBI Loans (%) 5.33% 5.49% 5.21% 0.11% -0.17% Hajj
Total Equity 2,037 1,968 1,898 7.3% 3.5% 67,431 833 861 Multiservice
Ijarah YoY:
46,518 44,412
Asset Quality >100%
% Jun-26 Mar-26 Jun-25 YoY QoQ 86,434 Precious Metal
78,096
YoY: -13.2%
Gross NPF 2.54% 2.20% 2.59% -0.05% 0.33%
143,784 136,997 20,434
Net NPF 1.14% 0.95% 1.23% -0.09% 0.18% 135,838 19,382
New Unit
65,561 57,868 YoY: -5.1%
Income Statement
Rp billion 1H 2026 1H 2025 YoY 2Q 2026 1Q 2026 QoQ Dec-23 Dec-24 Dec-25 Jun-25 Jun-26 Multipurpose
YoY: -11.7%
Revenue 1,116 1,053 6.0% 567 548 3.5% Multipurpose New Precious Metal Hajj Multiservice Ijarah
Operating Expense 596 581 2.6% 296 299 -1.1%
Profit Before Tax 121 105 14.8% 87 33 161.2%
% to Total MBI PBT 12.96% 13.74% -0.79% 12.96% 8.42% 4.53%
No of Total Unit
Customer Branch Financed
266,946 189 78,096
32
Page 33
Table of Contents
Maybank
Macro- Executive Results Shariah
Indonesia in
economics Brief Summary Overview Business Unit
2 4
2 8 16
13 23
18
Awards and
Digital
Subsidiaries Sustainability Events
Banking
Highlights
25
20 30
20 33
25 25
37
Page 34
Maybank’s Commitments on Sustainability
The Next Phase of Sustainability Leadership
Impact Society Positively
Environmental Social
A Champion for Good that Distinguished through
01 02 helps businesses & Social Impact by
Mobilising RM80 billion in Improving the lives of two communities transition to a enabling well-being
Sustainable Finance by 2025 million households across resilient, low-carbon, & for all
ASEAN by 2025 inclusive economy
Achieving a carbon Achieving one million
neutral position of our own hours per annum on Governance
emissions by 2030 and Net sustainability and
Zero Carbon equivalent delivering one thousand A “sustainability-first”
position by 2050 significant UN SDG-related corporate culture and
transparent stakeholder
03 outcomes by 2025
04 communication
The year 2025 marked the successful conclusion of Maybank’s M25+ With the conclusion of M25+, Maybank Group launched the
strategy phase to enter the next five-year cycle, closing the journey on ROAR30 Strategy to define the next phase of growth and
a strong note with excellent performance and key milestone sustainability leadership. Maybank Group has set a target to
achievements. Maybank Group as well as Maybank Indonesia not only mobilise RM300 billion in sustainable finance by 2030, advance
achieved but surpassed all four Sustainability Commitment targets carbon neutrality by 2030 and achieve net zero by 2050, aims
under M25+. positively impact 3 million lives and double our social financing for
individuals and SMEs from a baseline of RM12 billion in FY2024.
34
34
Page 35
Support for Sustainable
Development Goals
Sustainable Finance Portfolio
Management of
Sustainable Finance Portfolio reached Energy Efficiency
Natural Resources
and
Rp19.23 trillion as of Jun26 Sustainable Land Use
Contributing 17.3% to the Bank’s loan portfolio
Rp589 billion Rp539 billion
Environmentally
17.30% Renewable Energy Friendly
Transportation
Rp472 billion Rp906 billion
82.70%
Micro, Small,
and Medium Rp16.72
Sustainable Finance Portofolio Bank Loan (Bank Only)
Enterprises
(UMKM) trillion
* Sustainable finance in accordance with POJK 51 2017 (Kateogri Kegiatan Usaha Berkelanjutan/KKUB)
35
35
Page 36
Support for Sustainable
Development Goals
Sustainability-related Events in 2Q 2026
Maybank Indonesia Sustainable Finance Forum
ESG Champion Shark Tank #1 Industrial Update – Social Loan 2026: Navigating Transition for Industry: From
Policy Signals to Market Action
Maybank Indonesia conducted the ESG Champion As part of Maybank Indonesia's ongoing sustainability
Shark Tank in April, providing participants with a capacity-building initiatives, an Industrial Update on
Maybank Indonesia for the first time held the
hands-on coaching session to strengthen their ability Social Loan session was conducted to deepen
Sustainable Finance Forum on 30 Jun 2026, bringing
to identify sustainable financing opportunities. Using participants' understanding of social finance and its
together stakeholders, business partners, regulators,
a "shark tank" pitching format, members of the Board role in supporting inclusive economic development.
and industry leaders to exchange insights, foster
of Directors acted as the "sharks", challenging The session featured guest speakers from PT
dialogue, and explore practical solutions to support
participants to present practical ESG solutions based Permodalan Nasional Madani (PNM), a long-
the industry’s transition toward sustainable finance.
on real client cases. standing partner of Maybank Indonesia since 2018,
Held over two days, with the first day focused for
and PT Sarana Multigriya Finansial (SMF), a client of
internal Maybankers, the forum was attended by ±230
Working in teams, the ESG Champions analysed case the Bank since 2024.
participants, including Chairperson of OJK,
studies from the biofuel, waste management, representative of the Ministry of Finance, Vice Minister
financial institution, palm oil, and automotive The discussion explored the evolution of social
of Industry, representative of Danantara, and industry
sectors. Notably, two of the five proposed solutions financing in Indonesia, covering its alignment with the
players. The event reinforced Maybank Indonesia’s
progressed into actual financing opportunities, Sustainable Development Goals (SDGs), approaches
thought leadership and commitment to advancing
demonstrating the programme's contribution to to balancing commercial performance with
sustainable finance.
building a sustainable financing pipeline. measurable social impact, and the range of social
finance solutions offered by both institutions.
36
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Table of Contents
Maybank
Macro- Executive Results Shariah
Indonesia in
economics Brief Summary Overview Business Unit
2 4
2 8 16
13 23
18
Awards and
Digital
Subsidiaries Sustainability Events
Banking
Highlights
25
20 30
20 25
33 29
37
Page 38
Awards & Events Highlights in 2Q 2026
APRIL
● 23 APRIL ● 24 APRIL
● 9 APRIL Maybank Indonesia, through its Wealth Maybank Indonesia and Bank Sinarmas officially
Allianz Syariah has partnered with Maybank Management business unit, has once again established a strategic partnership in Sharia
Indonesia launch MyProtection Amanah, a strengthened its international reputation by Restricted Investment Account (SRIA)
sharia-compliant life insurance plan that winning the Indonesia’s Best for Premier Banking transaction Under the transaction, Bank Sinarmas
combines long-term life protection until age 100 award at the Euromoney Private Banking Awards placed Rp500 billion fund under the mudharabah
and investment potentials as well as waqf and 2026. muqayyadah structure.
shodaqoh features.
● 30 APRIL
● 17 APRIL ● 23 APRIL Maybank Indonesia successfully received the
The Annual General Meeting of Shareholders Maybank Indonesia won the Best CEO Awards, Indonesia Human Capital Award 2026 from
(AGMS) 2026 of Maybank Indonesia announced Best CHRO Awards, and Best COO Awards 2026 at Warta Ekonomi. The award was presented for
changes on the Bank’s Board of Commissioners the 7th Anniversary Indonesia Best 50 CEO Performance-Based Human Capital Management
and Directors and approved the distribution of Awards 2026 at the category “Most Popular” given to Produce Competent Employees in the
cash dividends worth Rp580 billion. by theiconomics.com. Conventional Bank category.
38
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Awards & Events Highlights in 2Q 2026
MAY JUNE
● 29 JUNE
● 6 MAY ● 4 JUNE Maybank Indonesia Extraordinary General
Maybank Indonesia through its Shariah Business Maybank Indonesia and Allianz Life have Meeting of Shareholders (EGMS) approved the
Unit has partnered with Muslim Pro to launch the strengthened their collaboration with the launch Bank’s acquisition of shareholdings in PT Maybank
Amanah Pro app, which is the first Islamic Banking of MyProtection Income Plus, a traditional life Asset Management, PT Maybank Sekuritas
as a Service (iBaaS) platform in Indonesia and insurance solution with a five-year regular Indonesia, and PT Asuransi Etiqa Internasional
enables non-bank partners to provide banking premium payment term. Indonesia as part of the establishment of
services more flexibly and in accordance with Maybank Indonesia as the Operational Financial
regulations Conglomerate Holding Company for the Maybank
Financial Conglomerate.
● 5 JUNE
Maybank Indonesia has been awarded the ISO
● 30 JUNE
37001:2026 Anti-Bribery Management System
Maybank Indonesia, together with Maybank
● 22 MAY certification by SIRIM QAS International Sdn Bhd.
Group, held the Sustainable Finance Forum 2026
Maybank won 10 awards at the Infobank-Isentia ISO 37001 is an internationally recognised
to strengthen its commitment to advancing
Digital Brand Awards 2026, including eight standard for organisations that have
ASEAN’s sustainability agenda by facilitating
awards in the conventional banking category and implemented an effective anti-bribery
Indonesian industry players in accelerating the
two awards in the Islamic banking category. management system.
transition towards a low-carbon economy.
39
Page 40
40
Names mentioned 25 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.3
unresolved
org
Bank Indonesia’s
p.3
unresolved
person
DR. Hasnita Dato’ Hashim
p.6
unresolved
—
Daniel James Romp
· Independent Commissioner
p.6
unresolved
org
Ministry of Finance
p.36
unresolved
org
PT Maybank Amanah Pro
p.39
unresolved
org
PT Asuransi Etiqa Internasional
p.39
unresolved
org
SIRIM QAS International Sdn Bhd.
p.39
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