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20260210_BBTN_Laporan Informasi dan Fakta Material_32026810_lamp1.pdf
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Page 1
STATEMENTS OF FINANCIAL POSITION
PT Bank Tabungan Negara (Persero) Tbk
As of December 31, 2025 and 2024
(In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED
NO ACCOUNTS December 31, 2025 December 31, 2024 December 31, 2025 December 31, 2024
(Audited) (Audited) (Audited) (Audited)
ASSETS
1 Cash 2,032,540 2,105,620 2,154,839 2,105,620
2 Placements with Bank Indonesia 35,499,625 27,400,963 46,727,811 27,400,963
3 Placements with other banks 2,515,779 5,951,807 2,515,971 5,951,807
4 Spot and derivative receivables/forward - 102,843 - 102,843
5 Securities 53,320,577 57,339,639 59,746,562 57,339,639
6 Securities sold under repurchase agreements (Repo) 413,096 3,499,300 413,096 3,499,300
7 Securities purchased under resale agreements (Reverse Repo) 1,683,840 175,625 1,683,840 175,625
8 Acceptances receivables 574,901 941,898 574,901 941,898
9 Loans 345,702,924 314,080,105 345,702,924 314,080,105
10 Sharia financing - 43,892,827 54,873,163 43,892,827
11 Investment in share 7,188,001 - 29 -
12 Others financials assets 12,022,789 11,712,851 12,285,436 11,712,851
13 Allowance for impairment on financial assets -/-
a Securities (52) (787) (52) (787)
b Loans and Sharia financing (13,959,557) (13,057,188) (15,314,236) (13,057,188)
c Others (2,171) (4,557) (2,174) (4,557)
14 Intangible assets 782,364 137,531 1,319,789 137,531
Accumulated amortisation for intangible assets -/- (58,290) (15,523) (66,521) (15,523)
15 Premises and equipment 15,714,662 14,059,957 15,950,513 14,059,957
Accumulated depreciation on premises and equipment -/- (5,253,682) (4,883,826) (5,441,785) (4,883,826)
16 Non earning assets
a Abandoned properties 353 1,410 353 1,410
b Repossessed assets 77,591 77,591 77,591 77,591
c Suspense account - - - -
d Inter office assets - - - -
17 Other assets 4,207,361 6,096,416 4,591,370 6,096,416
TOTAL ASSETS 462,462,651 469,614,502 527,793,420 469,614,502
Page 2
STATEMENTS OF FINANCIAL POSITION
PT Bank Tabungan Negara (Persero) Tbk
As of December 31, 2025 and 2024
(In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED
NO ACCOUNTS December 31, 2025 December 31, 2024 December 31, 2025 December 31, 2024
(Audited) (Audited) (Audited) (Audited)
ASSETS
LIABILITIES AND EQUITY
LIABILITIES
1 Demand deposits 142,343,618 160,847,953 169,242,419 160,847,953
2 Savings deposits 35,205,257 45,509,861 43,884,181 45,509,861
3 Time deposits 201,163,224 175,309,187 224,271,277 175,309,187
4 Electronic money - - - -
5 Fund from Bank Indonesia - - - -
6 Fund from other banks 96,481 104,745 122,917 104,745
7 Spot and derivative liabilities/forward - - - -
8 Securities sold under repurchase agreements (Repo) 349,076 3,409,426 349,076 3,409,426
9 Acceptances liabilities 574,901 941,898 574,901 941,898
10 Securities issued 5,630,321 5,444,524 5,977,216 5,444,524
11 Fund borrowings 35,181,566 39,813,189 41,491,851 39,813,189
12 Margin deposits received 10,735 9,604 10,775 9,604
13 Inter office liabilities - - - -
14 Other liabilities 5,541,566 5,652,226 5,658,514 5,652,226
15 Minority interest - - 18 -
TOTAL LIABILITIES 426,096,745 437,042,613 491,583,145 437,042,613
EQUITY
16 Share capital
a Authorised capital 10,239,216 10,239,216 10,239,216 10,239,216
b Unpaid-in capital -/- (3,221,994) (3,221,994) (3,221,994) (3,221,994)
c Treasury stock -/- - - - -
17 Additional Paid-in Capital
a Agio 4,712,306 4,418,900 4,418,900 4,418,900
b Disagio -/- - - - -
c Funds for paid-up capital - - - -
d Others - - - -
18 Other comprehensive income
a Gain 3,988,158 3,565,773 4,049,670 3,565,773
b Losses -/- (1,170,911) (1,576,079) (1,170,911) (1,576,079)
19 Reserve
a General reserve 4,621,242 4,621,242 4,621,242 4,621,242
b Appropriated reserve 845,270 840,476 845,270 840,476
20 Retained Earning
a Previous years 13,679,561 11,377,225 13,679,561 11,377,225
b Current year 3,424,891 3,007,328 3,501,154 3,007,328
c Paid Dividend -/- (751,833) (700,198) (751,833) (700,198)
TOTAL EQUITY ATTRIBUTABLE TO OWNER 36,365,906 32,571,889 36,210,275 32,571,889
36,365,906 32,571,889 36,210,275 32,571,889
TOTAL EQUITY
TOTAL LIABILITIES AND EQUITY 462,462,651 469,614,502 527,793,420 469,614,502
Page 3
STATEMENTS OF INCOME AND OTHER COMPREHENSIVE
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended December 31, 2025 and 2024
(In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED
NO ACCOUNTS December 31, 2025 December 31, 2024 December 31, 2025 December 31, 2024
(Audited) (Audited) (Audited) (Audited)
OPERATING INCOME AND EXPENSES
A. Interest Income and Expenses
1 Interest income 36,011,212 29,550,197 36,338,992 29,550,197
2 Interest expenses 17,820,969 17,848,463 17,913,741 17,848,463
Net interest income (Expenses) 18,190,243 11,701,734 18,425,251 11,701,734
B. Operating Income and Expenses Other than Interest
1 Gain (loss) from increase (decrease) in fair value of financial assets 40,013 (10,269) 34,164 (10,269)
2 Gain (loss) from decrease (increase ) in fair value of financial liabilities - - - -
3 Gain (loss) from sale of financial assets 1,297,042 981,949 1,303,491 981,949
4 Gain (Loss) from spot and derivative transaction/forward (realised) 70,702 30,604 70,702 30,604
5 Gain (Loss) from investment in shares under equity method - - - -
6 Gain (Losses) from foreign currencies translation - - - -
7 Dividend Income - - - -
8 Comissions/provisions/fees and administrative 1,446,868 1,476,612 1,522,003 1,476,612
9 Other income 1,307,482 2,055,404 1,243,723 2,055,404
10 Impairment for financial assets 6,152,581 1,981,304 6,175,722 1,981,304
11 Losses related to operational risk 53,955 367 53,955 367
12 Salaries and employee benefits 4,971,794 4,445,575 5,000,561 4,445,575
13 Promotion expenses 609,120 551,571 639,591 551,571
14 Other expenses 6,161,862 5,406,156 6,230,794 5,406,156
Other Operating Income (Expenses) (13,787,205) (7,850,673) (13,926,540) (7,850,673)
PROFIT (LOSS) FROM OPERATIONS 4,403,038 3,851,061 4,498,711 3,851,061
NON OPERATING INCOME AND EXPENSES
1 Gain (loss) from sale of premises and equipment 992 3,989 992 3,989
2 Other non operating income (expenses) (115,760) (82,209) (117,739) (82,209)
PROFIT (LOSS) FROM NON OPERATING (114,768) (78,220) (116,747) (78,220)
PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 4,288,270 3,772,841 4,381,964 3,772,841
Income tax expenses
a Estimated current tax -/- - - (25,365) -
b Deferred tax income (expenses) (863,379) (765,513) (855,445) (765,513)
PROFIT (LOSS) CURRENT PERIOD 3,424,891 3,007,328 3,501,154 3,007,328
PROFIT (LOSS) MINORITY INTEREST - - - -
OTHER COMPREHENSIVE INCOME
1 Unreclassified to profit (loss)
a Gain (loss) from revaluation of premises and equipment 422,385 - 422,385 -
b Gain (loss) from remeasurement on defined benefit plans (191,598) 168,301 (191,589) 168,301
c Others 36,404 (31,977) 36,403 (31,977)
2 Reclassified to profit (loss)
a Gain (losses) from adjustments arising from translation of financial statement - - - -
b Gain (losses) from changes of financial assets on available for sale 631,965 (421,538) 708,453 (421,538)
c Others (71,603) 70,821 (86,587) 70,821
OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX 827,553 (214,393) 889,065 (214,393)
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 4,252,444 2,792,935 4,390,219 2,792,935
Current Year Net Profit (Loss) Attributable to :
- Owner of Company 3,424,891 3,007,328 3,501,154 3,007,328
- Non Controlling Interest - - - -
TOTAL CURRENT YEAR NET PROFIT (LOSS) 3,424,891 3,007,328 3,501,154 3,007,328
Total Comprehensive Profit (Loss) For The Year Attributable to:
- Owner of Company 4,252,444 2,792,935 4,390,219 2,792,935
- Non Controlling Interest - - - -
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 4,252,444 2,792,935 4,390,219 2,792,935
TRANSFER PROFIT (LOSS) TO HEAD OFFICE - - - -
DIVIDEND - - - -
EARNINGS PER SHARE (in rupiah) 244 214 249 214
Page 4
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
PT Bank Tabungan Negara (Persero) Tbk
As of December 31, 2025 and 2024
(In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED
NO ACCOUNTS December 31, 2025 December 31, 2024 December 31, 2025 December 31, 2024
(Audited) (Audited) (Audited) (Audited)
I. COMMITMENT RECEIVABLES
1 Unused fund borrowings/financing facilities - - - -
2 Outstanding purchase position on spot and derivative/forward - 1,963,590 - 1,963,590
3 Others - - - -
II. COMMITMENT PAYABLES
1 Unused loan facilities granted to customer
a Committed 206,428 86,184 206,428 86,184
b Uncommitted 19,260,697 15,528,711 20,737,126 15,528,711
2 Outstanding irrevocable letters of credit 211,017 249,694 211,017 249,694
3 Outstanding sales position on spot and derivative/forward - 1,806,505 - 1,806,505
4 Others 15,018 14,353 15,018 14,353
III. CONTINGENT RECEIVABLES
1 Guarantees received 4,344,026 2,350,910 4,344,026 2,350,910
2 Others 13,957,839 9,209,022 15,165,304 9,209,022
IV. CONTINGENT PAYABLES
1 Guarantees issued 5,741,994 3,124,003 5,742,151 3,124,003
2 Others - - - -
Page 5
Statements of Assets’ Quality and Other Information
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended December 31, 2025 and 2024
(In Millions of Rupiah)
INDIVIDUAL
December 31, 2025 December 31, 2024
NO ACCOUNTS (Audited) (Audited)
Special
Current Sub Standard Doubtful Loss Total Current Special Mention Sub Standard Doubtful Loss Total
Mention
I. RELATED PARTIES
1. Placements with other banks
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
2. Spot and derivative receivables/ forward
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
3. Securities
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
6. Acceptances receivables - - - - - - - - - - - -
7. Loans and financing provided
a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM)
i Rupiah - - - - - - - - - - - -
ii Foreign currencies - - - - - - - - - - - -
b. Bukan debitur UMKM
i Rupiah 64,955 - - - - 64,955 83,781 - - - - 83,781
ii Foreign currencies - - - - - - - - - - - -
c. Kredit yang direstrukturisasi
i Rupiah - - - - - - - - - - - -
ii Foreign currencies - - - - - - - - - - - -
8. Investments in shares - - - - - - - - - - - -
9 Other receivable - - - - - - - - - - - -
10 Commitments and contingencies
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
Page 6
INDIVIDUAL
December 31, 2025 December 31, 2024
NO ACCOUNTS (Audited) (Audited)
Special
Current Sub Standard Doubtful Loss Total Current Special Mention Sub Standard Doubtful Loss Total
Mention
II. NON RELATED PARTIES
1. Placements with other banks
a. Rupiah 84,164 - - - - 84,164 130,433 - - - - 130,433
b. Foreign currencies 2,429,572 - - - 2,043 2,431,615 5,819,625 - - - 1,749 5,821,374
2. Spot and derivative receivables/ forward
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - 102,843 - - - - 102,843
3. Securities
a. Rupiah 44,561,110 32,929 2,869 4,543 50,576 44,652,027 44,162,321 42,859 4,360 5,369 50,159 44,265,068
b. Foreign currencies 8,668,550 - - - - 8,668,550 13,074,571 - - - - 13,074,571
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah - - - - - - 3,499,300 - - - - 3,499,300
b. Foreign currencies 413,096 - - - - 413,096 - - - - - -
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah 1,683,840 - - - - 1,683,840 175,625 - - - - 175,625
b. Foreign currencies - - - - - - - - - - - -
6. Acceptances receivables 574,901 - - - - 574,901 941,898 - - - - 941,898
7. Loans and financing provided
a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM)
i Rupiah 6,147,385 153,967 17,367 57,589 503,457 6,879,765 7,705,470 98,035 23,693 53,894 745,971 8,627,063
ii Foreign currencies - - - - - - - - - - - -
b. Bukan debitur UMKM
i Rupiah 292,729,473 33,851,374 316,884 592,600 9,454,488 336,944,819 302,682,588 33,959,102 848,381 1,885,875 7,760,189 347,136,135
ii Foreign currencies 1,813,385 - - - - 1,813,385 2,125,953 - - - - 2,125,953
c. Kredit yang direstrukturisasi
i Rupiah 25,890,644 26,276,170 192,147 227,534 6,510,868 59,097,363 25,164,270 22,843,079 514,565 1,275,230 5,515,891 55,313,035
ii Foreign currencies - - - - - - - - - - - -
8. Investments in shares 7,188,001 - - - - 7,188,001 - - - - - -
9 Other receivable - - - - - - - - - - - -
10 Commitments and contingencies
a. Rupiah 22,764,160 522,296 - 10,000 111,774 23,408,230 17,287,197 269,983 6,293 10,565 182,854 17,756,892
b. Foreign currencies 2,026,924 - - - - 2,026,924 1,246,053 - - - - 1,246,053
III. OTHER INFORMATION
1. Value of bank’s assets pledge as collateral:
a. To Bank Indonesia - -
b. To others - -
2. Repossessed assets 77,591 77,591
Page 7
Losses and Allowance for Asset Quality Assessment
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended December 31, 2025 and 2024
(In Millions of Rupiah)
INDIVIDUAL
December 31, 2025 December 31, 2024
(Audited) (Audited)
NO ACCOUNTS
Required allowance for Required allowance for
Allowance for Impairment Allowance for Impairment
losses on earning assets losses on earning assets
Stage 1 Stage 2 Stage 3 General Special Stage 1 Stage 2 Stage 3 General Special
1. Placements with other banks 4 - 2,043 25,137 2,043 822 - 1,749 59,501 1,749 (5,894,579)
2. Spot and derivative receivables/forward - - - - - - - - 1,028 -
3. Securities 52 - - 62,516 54,925 787 - - 63,607 55,591
4. Securities sold with agreement to repurchase (Repo) - - - 3,282 - - - - - -
5. Securities purchased with agreement to resell (Reverse Repo) - - - 16,830 - - - - 1,756 -
6. Acceptances receivables 124 - - 5,732 - 1,987 - - 9,419 -
7. Loans and financing provided 1,604,155 4,387,132 7,968,270 2,847,340 4,803,646 2,965,797 3,564,534 6,526,856 3,073,878 9,135,653
8. Investments in shares - - - 72,661 - - - - - - -
9. Other receivable - - - - - - - - - -
10. Commitments and contingencies 431 7 - 61,753 111,774 3,385 - - 57,246 13,500 66,468
Page 8
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended December 31, 2025 and 2024
(In Millions of Rupiah)
December 31, 2025 December 31, 2024
CAPITAL COMPONENTS (Audited) (Audited)
INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED
I CORE CAPITAL (TIER 1) 28,900,137 35,289,620 29,834,471 29,834,471
1 Common Equity Tier 1 (CET 1) 26,900,137 33,289,620 29,834,471 29,834,471
1.1 Paid-in Capital (net of Treasury Stock) 7,017,222 7,017,222 7,017,222 7,017,222
1.2 Disclosed Reserves 29,004,679 28,849,042 25,103,287 25,103,287
1.2.1 Additional Factor 29,674,325 29,457,182 26,290,270 26,290,270
1.2.1.1 Other comprehensive income 3,988,158 3,988,158 3,565,773 3,565,773
1.2.1.1.1 Excess differences arising from translation of financial statement - - - -
1.2.1.1.2 Potential gain due to increases of fair value of financial asset through other comprehensive income - - - -
1.2.1.1.3 Surplus of fixed assets revaluation 3,988,158 3,988,158 3,565,773 3,565,773
1.2.1.2 Other disclosed reserves 25,686,167 25,469,024 22,724,497 22,724,497
1.2.1.2.1 Agio 4,712,306 4,418,900 4,418,900 4,418,900
1.2.1.2.2 General reserves 4,621,242 4,621,242 4,621,242 4,621,242
1.2.1.2.3 Previous year profit 12,927,728 12,927,728 10,677,027 10,677,027
1.2.1.2.4 Current year profit 3,424,891 3,501,154 3,007,328 3,007,328
1.2.1.2.5 Funds for paid-in capital - - - -
1.2.1.2.6 Others - - - -
1.2.2 Deduction Factor (669,646) (608,140) (1,186,983) (1,186,983)
1.2.2.1 Other comprehensive income (591,702) (530,196) (1,107,982) (1,107,982)
1.2.2.1.1 Negative differences arising from translation of financial statement - - - -
1.2.2.1.2 Potential losses due to decreases of fair value of financial asset through other comprehensive income (591,702) (530,196) (1,107,982) (1,107,982)
1.2.2.2 Other disclosed reserves (77,944) (77,944) (79,001) (79,001)
1.2.2.2.1 Disagio - - - -
1.2.2.2.2 Previous year loss - - - -
1.2.2.2.3 Current year loss - - - -
1.2.2.2.4 Negative difference in allowance for possible losses and allowance for impairment on earning assets - - - -
1.2.2.2.5 Negative difference in adjusment amounts from fair value of financial assets in trading book - - - -
1.2.2.2.6 Required allowance for non earning assets (77,944) (77,944) (79,001) (79,001)
1.2.2.2.7 Others - - - -
1.3 Non Controlling Interest - - - -
1.4 Deduction Factor of CET 1 (9,121,764) (2,576,644) (2,286,038) (2,286,038)
1.4.1 Deferred tax calculation (1,209,689) (1,323,347) (2,286,038) (2,286,038)
1.4.2 Goodwill - (527,705) - -
1.4.3 Other intangible assets (724,074) (725,563) - -
1.4.4 Investments in share (7,188,001) (29) - -
1.4.5 Shortfall of capital on insurance subsidiaries - - - -
1.4.6 Securitisation exposure - - - -
1.4.7 Other deduction of CET 1 - - - -
1.4.7.1 Placement of funds in instrumen AT 1 and/or Tier 2 to other bank - - - -
1.4.7.2 Cross-ownership in another entity acquired by the transition due to law, grants, or grants will - - - -
1.4.7.3 Exposure that give rise to credit risk due the settlement (settlement risk) - Non Delivery Versus Payment - - - -
1.4.7.4 Exposures in subsidiaries that to business activity based on sharia principle - - - -
2 Additional Tier 1 (AT 1) 2,000,000 2,000,000 - -
2.1 Instrument which comply with AT 1 requirements 2,000,000 2,000,000 - -
2.2 Agio / Disagio - - - -
2.3 Deduction Factor of AT 1 - - - -
2.3.1 Placements of fund in instrument AT 1 and/or Tier 2 to other bank - - - -
2.3.2 Cross ownership in another entity acquired by the transition due to law, grants or grants will - - - -
II SUPPLEMENTAL CAPITAL (TIER 2) 4,082,270 4,276,886 2,438,559 2,438,559
1 Capital instrument in the form of stock or other which comply with Tier 2 requirements 2,216,667 2,216,667 549,605 549,605
2 Agio/Disagio - - - -
3 General provision on earning assets (max. 1.25% credit risk - weighted assets) 1,865,603 2,060,219 1,888,954 1,888,954
4 Deduction supplemental capital - - - -
4.1 Sinking Fund - - - -
4.2 Placement of funds in instrumen Tier 2 to other bank - - - -
4.3 Cross-ownership in another entity acquired by the transition due to law, grants, or grants will - - - -
TOTAL CORE AND SUPPLEMENTAL CAPITAL 32,982,407 39,566,506 32,273,030 32,273,030
December 31, 2025 December 31, 2024 December 31, 2025 December 31, 2024
(Audited) (Audited) (Audited) (Audited)
INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED
RISK WEIGHTED ASSETS CAR RATIO
CREDIT RISK -WEIGHTED ASSETS 148,080,382 163,844,282 149,287,750 149,287,750 CET 1 Ratio (%) 15.52% 17.60% 17.10% 17.10%
MARKET RISK -WEIGHTED ASSETS 4,900,688 4,900,688 6,101,634 6,101,634 Tier 1 Ratio (%) 16.67% 18.66% 17.10% 17.10%
OPERATIONAL RISK - WEIGHTED ASSETS 20,388,527 20,388,527 19,055,594 19,055,594 Tier 2 Ratio (%) 2.35% 2.26% 1.40% 1.40%
TOTAL RISK WEIGHTED ASSETS 173,369,597 189,133,497 174,444,978 174,444,978 Capital Adequacy Ratio (%) 19.02% 20.92% 18.50% 18.50%
CAR BASED ON RISK PROFILE (%) 9.25% 9.25% 9.25% 9.25% CET 1 for Buffer (%) 8.62% 10.61% 9.25% 9.25%
CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FILLED BY BANK (%)
From CET1 (%) 6.90% 6.99% 7.85% 7.85% Capital Conservation Buffer (%) 2.500% 2.500% 2.500% 2.500%
From AT1 (%) 0.00% 0.00% 0.00% 0.00% Countercyclical Buffer (%) 0.000% 0.000% 0.000% 0.000%
From Tier 2 (%) 2.35% 2.26% 1.40% 1.40% Capital Surcharge for Systemic Bank (%) 1.000% 1.000% 1.000% 1.000%
Page 9
STATEMENT OF CASH FLOWS
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended December 31, 2025 and 2024
(in Millions of Rupiah)
CONSOLIDATED
CASH FLOWS December 31, 2025 December 31, 2025
(Audited) (Audited)
CASH FLOWS FROM OPERATING ACTIVITIES
Interest, profit sharing, and margin 31,416,682 29,689,639
Recoveries from loan debts written-off 1,024,936 1,421,221
Interest and bonus, fees and commissions paid (18,234,167) (17,973,763)
Corporate income tax paid (393,150) (912,208)
Other operating (expense) - net (7,997,638) (6,372,541)
Other non-operating income (expense) - net 25,951 (63,538)
Cash receipts before changes in operating assets and liabilities 5,842,614 5,788,810
Changes in operating assets and liabilities:
Decrease (increase) in operating assets:
Fair value through profit or loss
securities 3,763,859 (18,286,677)
Fair value through profit or loss
government bonds 174,072 490,445
Acceptance Receivable 366,997 (397,331)
Derivative Receivable 146,925 (70,666)
Loans and sharia financing/receivables (42,240,730) (27,739,554)
Other assets 594,912 (136,021)
Increase (decrease) in operating liabilities:
Current liabilities (485,935) (441,930)
Deposits from customer
Demand deposits 1,275,000 11,653,971
Wadiah demand deposits 6,264,837 5,443,299
Savings deposits (2,494,892) (22,012)
Savings deposits Wadiah 205,144 245,340
Time deposits 47,812,161 12,615,733
Deposits from other banks 26,445 (21,277)
Acceptance liabilities (366,997) 397,331
Other liabilities 806,053 (416,997)
Temporary syirkah funds 2,634,462 2,141,920
Net Cash provided (used in) by Operating Activities 24,324,927 (8,755,616)
CASH FLOWS FROM INVESTING ACTIVITIES
Acquisition of fixed assets (1,874,406) (1,634,521)
Sale of fixed assets 1,155 3,045
Receipt (purchase) of amortized cost securities 189,716 (2,878,561)
Receipt (purchase) of amortized cost government bonds 7,821,715 562,232
Receipt (purchase) in fair value through other comprehensive income securities (579,617) (31,199)
(Purchase) receipt in fair value through other comprehensive income government bonds (9,161,824) (1,163,910)
Receipt of securities purchased under agreement to resell 51,039,138 20,704,263
Placement of securities purchased under agreement to resell (52,522,635) (20,867,689)
Acquisition of Subsidiary with Cash (1,540,067) -
Net Cash used in Investing Activities (6,626,825) (5,306,340)
CASH FLOWS FROM FINANCING ACTIVITIES
Payment of matured securities issued (1,754,979) (3,572,500)
Proceeds of securities issued 300,000 680,913
Payments of dividends (751,833) (700,198)
Receipt from fund borrowings 7,499,533 11,144,193
Payment from fund borrowings (3,020,603) (11,385,262)
Proceeds from securities sold under repurchase agreements 51,431,824 143,153,604
Payments of matured securities sold under repurchase agreements (54,544,966) (139,744,766)
Payment of lease liabilities (88,347) (93,408)
Receipt of subordinated borrowings 4,000,000 -
Payment of subordinated borrowings (4,828,500) (3,000,000)
Net Cash Provided by (used in) Financing Activities (1,757,871) (3,517,424)
Page 10
STATEMENT OF CASH FLOWS
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended December 31, 2025 and 2024
(in Millions of Rupiah)
CONSOLIDATED
CASH FLOWS December 31, 2025 December 31, 2025
(Audited) (Audited)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 15,940,231 (17,579,380)
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 35,458,390 53,037,770
CASH AND CASH EQUIVALENTS AT END OF PERIOD 51,398,621 35,458,390
The details of cash and cash equivalents at end of period are as follows:
Cash 2,154,839 2,105,620
Current accounts with Bank Indonesia 33,797,873 22,739,920
Current accounts with other banks 2,515,971 5,951,746
Placements with Bank Indonesia and other banks - maturing within
three months or less since the acquisition date 12,929,938 4,661,104
TOTAL OF CASH AND CASH EQUIVALENTS 51,398,621 35,458,390
Page 11
CALCULATION OF FINANCIAL RATIOS
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended December 31, 2025 and 2024
(in %)
INDIVIDUAL
RATIOS December 31, 2025 December 31, 2024
(Audited) (Audited)
PERFORMANCE RATIOS
1. Capital Adequacy Ratio (CAR) 19.02% 18.50%
2. Non performing earning assets and non earning assets to total earning assets and
non earning assets 2.56% 2.62%
3. Non performing earning assets to total earning assets 2.59% 2.60%
4. Allowance for impairment on financial assets to earning assets 3.45% 3.07%
5. NPL gross 3.17% 3.16%
6. NPL net 1.85% 1.89%
7. Return on Asset (ROA) 0.89% 0.83%
8. Return on Equity (ROE) 11.57% 10.76%
9. Net Interest Margin (NIM) 4.20% 2.86%
10. Operating Expenses to Operating Income 89.04% 88.70%
11. Cost to Income Ratio (CIR) 49.19% 57.15%
12. Loan to Deposit Ratio (LDR) 91.28% 93.79%
COMPLIANCE
1. a. Percentage violation of Legal Lending Limit
i. Related parties 0.00% 0.00%
ii. Non - Related parties 0.00% 0.00%
b. Percentage of excess of the Legal Lending Limit
i. Related parties 0.00% 0.00%
ii. Non - Related parties 0.00% 0.00%
2. Reserve requirement
a. Primary reserve requirement Rupiah
- Daily 2.69% 0.38%
- Average 6.70% 5.00%
b. Reserve requirement Foreign currencies (Daily) 4.02% 4.18%
3. Net Open Position - Overall 1.95% 1.29%
Page 12
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
PT Bank Tabungan Negara (Persero) Tbk
As of December 31, 2025
(Audited)
(In Millions of Rupiah)
INDIVIDUAL
NO TRANSACTION
Type Derivative Receivables & Payables
Notional Amount
Trading Hedging Tagihan Liabilitas
A. Exchange Rate Related
1. Spot - - - - -
2. Forward - - - - -
3. Option - - - - -
a. Written - - - - -
b. Purchased
4. Future - - - - -
5. Swap - - - - -
6. Others - - - - -
B. Interest Rate Related
1. Forward - - - - -
2. Option
a. Written - - - - -
b. Purchased - - - - -
3. Future - - - - -
4. Swap - - - - -
5. Others - - - - -
C. Others
TOTAL - - - - -
Page 13
PRIME LENDING RATE
PT Bank Tabungan Negara (Persero) Tbk
As of December 31, 2025
(% per annum)
Prime Lending Rate
Business Segment
Description
Non MSME Loan MSME Loan
Mortgage Non Mortgage
Corporate Retail Medium Small Micro
Prime Lending Rate 8.76% 8.90% 9.90% 10.48% 13.75% 8.04% 10.80%
Page 14
Catatan :
1) The Consolidated Financial Statements information above is taken from the Consolidated Financial Statements of PT Bank
Tabungan Negara (Persero) Tbk and its subsidiaries as of December 31, 2025 and for the year then ended, prepared by
the Bank's management in accordance with Indonesian Financial Accounting Standards, which have been audited by the
Public Accounting Firm Purwanto Susanti and Surja (“PSS”) (a member firm of Ernst & Young Global Limited) with the
partner in charge being Christophorus Alvin Kossim, an independent auditor, based on Auditing Standards established by
the Indonesian Institute of Certified Public Accountants, with an unmodified audit opinion, as stated in its report dated
February 10, 2026 which is not included in this publication. Since the financial information above is taken from the
consolidated financial statements, therefore the information is not a complete presentation of the consolidated financial
statements.
2) The above published Financial Statements are presented to comply with:
a) Financial Services Authority Regulation (POJK) Number 37/POJK.03/2019 Dated December 19, 2019 regarding
“Transparency and Published Financial Statements of The Banks”
b) Circular Letter of Financial Services Authority (SEOJK) Number 9/SEOJK.03/2020 Dated June 30, 2020 regarding
“Transparency and Published Financial Statements of The Commercial Banks”.
c) Financial Services Authority Regulation (POJK) Number 27/POJK.03/2022 Dated December 26, 2022 on Second
Amendments of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy Ratio for The Commercial Banks” and
Financial Services Authority Regulation (POJK) Number 34/POJK.03/2016 Dated September 22, 2016 on
Amendments of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy Ratio for The Commercial Banks”.
d) Financial Services Authority Regulation (POJK) Number 14/POJK.04/2022 Dated August 18, 2022 regarding
“Submission of Periodic Financial Statements for Issuers or Public Companies”
e) Capital Market and Financial Institution Supervisory Agency (Bapepam-LK) Regulation Number VIII.G.7, Decision of
Chairman of Bapepam-LK Number KEP-347/BL/2012 Dated June 25, 2012 regarding “Presentation and Disclosure of
Periodic Financial Statements for Issuers or Public Companies”.
f) Circular Letter of Financial Services Authority Number S-2/PB.11/2020 dated January 20, 2020 regarding Changes to
Published Financial Statements
3) Related Parties in the Statements of Assets' Quality and Other Information are presented in accordance with Bank
Indonesia Regulation Number 7/3/PBI/2005 dated January 20, 2005 regarding the Amendment of Financial Services
Authority Regulation Number 38/POJK.03/2019 dated December 19, 2019 regarding the Amendment of Financial Services
Authority Regulation Number 32/POJK.03/2018 regarding The Legal Lending Limit and Provisions of Large Fund for
Commercial Banks.
4) Exchange rate of 1 US Dollar as at December 31, 2025, and Desember 31, 2024 were Rp. 16.675,00 and Rp. 16.095,00
respectively.
5) Basic earnings per share is computed by dividing income for the year available to shareholders of ordinary shares (residual
income) by the weighted average number of ordinary shares outstanding during the current year.
Page 15
Management of The Bank
Board of Commissioner
President Commissioner : Suryo Utomo *
Vice President Commissioner : Dwi Ary Purnomo *
Independent Commissioner : Panangian Simanungkalit **
Independent Commissioner : Pietra Machreza Paloh **
Independent Commissioner : Ida Nuryanti ***
Commissioner : Fahri Hamzah ****
Board of Directors
President Director : Nixon L.P. Napitupulu
Vice President Director : Oni Febriarto Rahardjo
Director of Risk Management : Setiyo Wibowo
Director of Consumer Banking : Hirwandi Gafar
Director of Finance & Strategy : Nofry Rony Poetra
Director of Human Capital & Compliance : Eko Waluyo
Director of Network & Retail Funding : Rully Setiawan *****
Director of Operations : I Nyoman Sugiri Yasa *****
Director of Commercial Banking : Hermita *****
Director of Treasury & International Banking : Venda Yuniarti ******
Director of Information Technology : Tan Jacky Chen ******
Director of Corporate Banking : Helmy Afrisa Nugroho *******
Shareholder
Ultimate Shareholder
- Republic of Indonesia : 0.00%
Non Ultimate Shareholder through Capital Market (≥ 5%) : Nihil
Non Ultimate Shareholder through non Capital Market (≥ 5%)
- PT Danantara Asset Management (Persero) : 60.00%
* Appointed as a member of the Board of Commissioners of PT Bank Tabungan Negara (Persero) Tbk pursuant to the resolution of the
Company’s Annual General Meeting of Shareholders dated March 26, 2025, and has been effective in office based on OJK Letter No.
SR-210/PB.02/2025 dated June 26, 2025.
** Appointed as a member of the Board of Commissioners of PT Bank Tabungan Negara (Persero) Tbk pursuant to the resolution of the
Company’s Annual General Meeting of Shareholders dated March 26, 2025, and has been effective in office based on OJK Letter No.
SR-323/PB.02/2025 dated August 15, 2025.
*** Appointed as a member of the Board of Commissioners of PT Bank Tabungan Negara (Persero) Tbk pursuant to the resolution of the
Company’s Annual General Meeting of Shareholders dated March 26, 2025, and has been effective in office based on OJK Letter No.
SR-420/PB.02/2025 dated October 9, 2025.
**** Appointed as a member of the Board of Commissioners of PT Bank Tabungan Negara (Persero) Tbk pursuant to the resolution of the
Company’s Annual General Meeting of Shareholders dated March 26, 2025, and has been effective in office based on OJK Letter No.
SR-529/PB.02/2025 dated December 18, 2025.
***** Appointed as a member of the Board of Directors of PT Bank Tabungan Negara (Persero) Tbk pursuant to the resolution of the
Company’s Annual General Meeting of Shareholders dated March 26, 2025, and has been effective in office based on OJK Letter No.
SR-279/PB.02/2025 dated July 25, 2025.
****** Appointed as a member of the Board of Directors of PT Bank Tabungan Negara (Persero) Tbk pursuant to the resolution of the
Company’s Annual General Meeting of Shareholders dated March 26, 2025, and has been effective in office based on OJK Letter No.
SR-357/PB.02/2025 dated September 1, 2025.
******* Appointed as a member of the Board of Directors of PT Bank Tabungan Negara (Persero) Tbk pursuant to the resolution of the
Company’s Annual General Meeting of Shareholders dated March 26, 2025, and shall become effective upon obtaining approval from
the Financial Services Authority (OJK) on the Fit and Proper Test assessment and compliance with the prevailing laws and
regulations.
Jakarta, February 10, 2026
S.E. & O
PT BANK TABUNGAN NEGARA (PERSERO) Tbk
Board of Director
Nixon L.P. Napitupulu Nofry Rony Poetra
Direktur Utama Direktur Finance & Strategy
Names mentioned 23 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.1 ×6
unresolved
org
Young Global Limited
p.14
unresolved
org
Financial Services Authority
p.14 ×9
unresolved
org
Bapepam-LK
p.14 ×4
unresolved
org
Bank Indonesia Regulation
p.14
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