20260303_BTPN_Laporan Informasi dan Fakta Material_32040404_lamp3.pdf

PRESS RELEASE
For Immediate Release

    SMBC Indonesia Records Growth in 2025 to Serve a More Meaningful Life for
                              Millions of People

Jakarta, March 3, 2026 — PT Bank SMBC Indonesia Tbk. (SMBC Indonesia) targeted growth in 2025
through risk management and prudent principles to consistently provide comprehensive financial
services to various retail and business segments, from ultra-micro to corporate.

"SMBC Indonesia's consolidated performance for the 2025 period reflects our strategy of focusing on
business fundamentals underpinned by good governance," said Henoch Munandar, President Director
of SMBC Indonesia.

As of the end of December 2025, SMBC Indonesia's total consolidated assets reached Rp245.9 trillion,
growing 2.0% year-on-year (yoy).

In terms of credit, SMBC Indonesia recorded consolidated growth of 3.3% yoy to Rp185.4 trillion at the
end of 2025. This growth was driven by a number of segments, such as the corporate and commercial,
which increased by 6.5% yoy and Jenius’ credit realization, excluding Digital Micro, which grew by
11.3% yoy.

Consolidated credit realization throughout 2025 was also supported by an increasingly efficient
funding structure, with low-cost funding (CASA) increasing by 16.7% yoy to Rp53.2 trillion and the
CASA ratio growing to 40.6%. On a consolidated basis, SMBC Indonesia's total third-party funds grew
8.0% yoy to Rp131.0 trillion at the end of last year to support 2025 funding needs.

SMBC Indonesia consistently maintained healthy liquidity and funding ratios, with a liquidity coverage
ratio (LCR) of 229.4% and a net stable funding ratio (NSFR) of 123.0% as of December 31, 2025. Both
ratios reflect SMBC Indonesia's efforts to implement prudent principles to maintain strong liquidity and
capital.

The company also recorded consolidated capital adequacy ratio (CAR) of 29.3% at the end of 2025.
This figure is above the industry average of 25.9% and demonstrates the bank’s room to further
develop its business and serve more customers across various segments going forward.

The bank recorded a gross non-performing loan ratio of 2.6% at the end of December 2025, a slight
improvement compared to 2.8% at the end of September 2025. This improvement is the result of
SMBC Indonesia's efforts to consistently implement sound risk management.

SMBC Indonesia recorded a consolidated operating income of Rp18.4 trillion, an increase of 5.8% yoy.
Net Interest income grew 4.6% yoy, with net interest margin (NIM) maintained at 7.0% amid
competitive credit interest rates, rising funding costs, and ongoing market volatility.

On a consolidated basis, SMBC Indonesia strengthened its provision for impairment losses (CKPN),
particularly at its subsidiary, the OTO Group. SMBC Indonesia considers this provision a prudent
response to economic dynamics in 2025, as well as the efforts of its financial conglomerate holding
company (PIKK) to implement prudent principles and maintain solid capital.

"The increase in the consolidated CKPN also reflects our efforts as PIKK to continuously improve the
standards of good corporate governance, as well as to maintain asset quality and bank resilience, while
strengthening the foundation for more sustainable growth. With that said, SMBC Indonesia's
consolidated net profit attributable to owners of the parent entity was recorded at Rp506 billion for
2025" explained Henoch.