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Public Expose BBYB 2025 PT Bank Neo Commerce Tbk 16 Dec 2025
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Disclaimer This following presentation has been prepared by PT Bank Neo Commerce, Tbk. (the “Company” or “BNC” ) solely for selected recipients for information purposes only and does not constitute a recommendation regarding any securities of the Company. Information contained in this document is being made available and intended solely for the personal reference and information of a Recipient. Neither this document nor any part thereof may be retained by the Recipient nor may any portion thereof by shared, copied, reproduced or redistributed to any other person in any manner. The information and opinions in this document are of a preliminary nature, subject to change without notice, and may not contain all material information concerning the Company. Neither the Company nor any of its affiliates (together with the Company, the “Group”), advisors and representatives make any representation, express or implied, regarding, and assumes any responsibility or liability whatsoever (in negligence or otherwise) for, the accuracy or completeness of, or any errors or omissions in, any information contained herein nor for any loss howsoever arising from any use of these materials. The information contained in this document should be considered in the context of the circumstances prevailing at the time and is subject to change without notice and will not be updated to reflect material developments that may occur after the date hereof. The statements contained in this document speak only as at the date as of which they are made, and the Company expressly disclaims any obligation or undertaking to supplement, amend or disseminate any updates or revisions to any statements contained herein to reflect any change in events, conditions or circumstances on which any such statements are based. Certain statements in these materials constitute “forward-looking statements” and information with respect to the future financial condition, results of operations and certain plans and objects of management of the Company. Forward-looking statements may include words or phrases such as the Company or any of its business components, or its management “believes”, “expects”, “anticipates”, “intends”, “plans”, “foresees”, or other words or phrases of similar import. Similarly, statements that describe the Company's objectives, plans or goals both for itself and for any of its business components also are forward-looking statements. No representation is being made that such forward-looking statements and information will actually be achieved. The Recipient should carefully consider such forward-looking statements and information (as well as the information in this presentation generally) and should not place undue reliance on these forward-looking statements.
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Agenda About Bank Neo Commerce Financial Performance Latest Updates
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Agenda About Bank Neo Commerce Financial Performance Latest Updates
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Vision & Mission
Vision
To become a bank that introduces innovative approaches to financial management—more practical, faster, more secure, and
aligned with the progressive lifestyles of the modern generation. We foster financial literacy and collaboration to build an
inclusive, empowering, and sustainable financial future.
Mission
1. Providing digital banking services that are easily accessible to communities across Indonesia.
2. Educating the public on financial literacy, investment, and personal financial management through interactive digital
technologies.
3. Delivering financial services powered by AI and big data that are efficient, user-friendly, tailored to customer needs, and secure.
4. Offering financial services that support grassroots economic growth through access to capital, micro-financing, business loans,
and a digital transaction ecosystem.
5. Developing services based on ESG principles and collaborating with stakeholders to realize a sustainable future.
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BNC’s Journey:
From a Legacy Bank to a Profitable Digital Bank
• [2022] Completed 6 th
rights issue of IDR 1.7 tn
(USD 113 mio).
• [2020] Renamed to • [2022] neobank
• [2015] PT Bank PT Bank Neo reached 20.9 mio users.
Yudha Bhakti Commerce, Tbk.
went public • [2022-2023] Introduced
(BNC).
and received new features: Neo Loan,
the ticker code • [2020] Upgraded Neo Gold, CCW, mutual
BBYB. into a BUKU 2 bank. funds, and more.
1989 - 2008 2015 2019 2020 2021 22-23 24-25
• [1989] PT Bank Yudha • [2019] PT • [2021] Launched • [2024] Achieved
Bhakti (BYB) was Akulaku Silvrr neo+ mobile profitability for the first
established by the Indonesia banking app, time, with net profit of
Indonesian National Armed entered and rebranded as IDR 19 bn.
Forces cooperatives as a became one of neobank. • [10M 2025] Continued
pension bank. the main on profitability path,
shareholders. • [2021] Launched
• [2008] PT Gozco Capital direct lending and reaching net profit of
IDR 515 bn.
became the controlling completed a
shareholder. rights issue of IDR
2.5 tn (USD 167
mio).
• [2021] neobank
reached 13.3 mio
users.
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Management of BNC
Inkawan D. Jusi Kreisna D. Gozali Pramoda Dei Sudarmo
Independent President Commissioner Non-Independent Commissioner Independent Commissioner
Eri Budiono Aditya W. Windarwo Ricko Irwanto
President Director Business Director Compliance Director
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Agenda About Bank Neo Commerce Financial Performance Latest Updates
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Financials: Balance Sheet and Profit & Loss Balance Sheet (in IDR 'tn) 2021 2022 2023 2024 10M25 Cash & Short Term Money Market 2.4 4.6 2.4 1.5 2.7 Marketable Securities 3.4 3.5 4.0 6.6 7.8 Loans 4.3 10.2 10.8 8.8 7.4 Total Assets 11.3 19.7 18.2 17.4 18.5 CASA 1.6 4.1 4.0 3.6 4.0 Time Deposits 6.5 10.3 9.9 9.6 9.7 Total Third Party Funds 8.1 14.5 13.9 13.2 13.7 Total Liabilities 8.4 15.9 14.8 13.9 14.3 Total Equity 2.9 3.7 3.3 3.6 4.2 Profit & Loss (in IDR'bn) 2021 2022 2023 2024 10M25 Net Interest Income 316 1,526 2,774 2,741 1,981 Fee based Income & Other Income 129 635 765 571 354 Total Income 445 2,161 3,539 3,312 2,334 Operating Expense (1,256) (1,874) (1,351) (970) (750) Operating Profit before Provision (811) 287 2,188 2,342 1,584 Provision Expenses (179) (1,073) (2,762) (2,323) (1,069) Profit before Tax (990) (786) (574) 19 515 Net Profit after Tax (986) (789) (573) 20 517 12
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Financials: Key Ratios
Key Ratios (YTD) 2021 2022 2023 2024 10M25
NIM 5.2% 13.8% 18.4% 17.3% 14.7%
BOPO 224.0% 127.3% 112.3% 99.3% 82.8%
CIR 254.7% 86.6% 41.5% 31.5% 32.2%
NPL Ratio 1.8% 2.6% 3.7% 3.3% 2.9%
NPL Coverage Ratio 151.4% 80.3% 155.4% 218.1% 236.9%
LAR 12.7% 17.1% 15.9% 12.8% 12.2%
LAR Coverage Ratio 21.0% 12.0% 36.4% 56.4% 56.2%
CoC 3.9% 13.4% 25.1% 23.9% 15.1%
ROA -13.7% -5.2% -3.0% 0.1% 3.4%
ROE -84.6% -32.7% -17.6% 0.6% 16.9%
CAR Ratio 55.5% 36.8% 27.9% 35.3% 47.8%
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Agenda About Bank Neo Commerce Financial Performance Latest Updates
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BNC Core Proposition
Digital Account
Neo WOW
Regular Savings Neo Green Neo Wish NOW Savings Time Deposits
Lending Neo Loan Bancassurance Gold Mutual Funds Wealth
Management
Corporate Banking
Digital Service Payroll Bills & Top Up Cash Management Payment Collection
Bills & Top Up
Mobile & Data PLN PDAM eWallet Internet & Cable TV BPJS Credit Card
Pertagas PBB Tax eSamsat Education Fee Donation
Banking As a Services
Channeling Direct Lending API Lending 22
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Awards & Recognition
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Thank You. Copyright©2025 PT Bank Neo Commerce
Tbk. All Rights Reserved.
The information in this document may contain
predictive statements including, without limitation,
statement regarding the future financial and
operating results, future product portfolio, new
technology, etc. There are a number of factors that
could cause actual result and developments to differ
materially from those expressed or implied in the
predictive statements. PT Bank Neo Commerce Tbk
may change the information at any time without
notice.
Names mentioned 12 people and organisations named in the text · linked when the evidence is strong
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Bank Neo Commerce Financial Performance Latest Updates
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PT Bank Neo
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PT Bank Yudha
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Non-Independent
· President Commissioner
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