20251030_BABP_Laporan Informasi dan Fakta Material_31980888_lamp1.pdf

This accountable growth in loan distributions was additionally fostered by the implementation of prudent
and measured risk management, which had a positive impact on the Gross Non-Performing Loan ratio,
improved from 4.69% in Q3-2024 to 4.00% in Q3-2025. The Net Non-Performing Loan ratio also improved
from 3.32% in Q3-2024 to 2.80% in Q3-2025.

In terms of third-party funds, MNC Bank acquired Rp13.66 trillion. Time deposits accounted for Rp11.24 trillion,
followed by saving accounts at Rp795.62 billion and savings accounts at Rp1.63 trillion.

Rita additionally pointed out that the excellent result was strengthened by strong capital fundamentals.
"MNC Bank's capital adequacy ratio (CAR) is now at 24.50%. This demonstrates strong capitalization and
significantly more than the regulatory requirement,“ Rita stated.

Diversifying Revenue Streams

To further strengthen its revenue stream for sustainable performance growth, MNC Bank leverages the
treasury business unit to generate other income from both interest-based and fee-based sources, while
managing company’s liquidity prudently, optimally, and efficiently.

These efforts are executed by optimizing equities investments and bank transactional services, which
include Foreign Exchange transactions. "We believe this initiative will further strengthen MNC Bank's position
in the industry, ensuring to continue its positive trend for sustainable long-term growth," Rita concluded.

About MNC Bank
PT Bank MNC Internasional Tbk (IDX: BABP) or MNC Bank, is a subsidiary of MNC Kapital that engages in full-service
banking activities.

MNC Bank offers digital and conventional banking products and services, including savings accounts, loan facilities,
debit and credit cards, treasury, trade finance, and RDN, focusing on consumer, wholesale, and MSME segments. MNC
Bank also provides digital banking services through the MotionBank application and continuously innovates to become
a future-ready bank based on cutting-edge technology.


  For more information about MNC Bank, kindly reach out to the MNC Bank Call Center at 1500188 or MotionBank
  Customer Service via WhatsApp chat at 08888888888, visit www.mncbank.co.id and www.motionbank.id, and
  follow MNC Bank's official social media accounts, @officialmncbank and @motionbankid on Instagram, MNC Bank
  on Facebook dan @MNCBank on X.

  Enjoy MNC Bank's digital banking services by downloading the MotionBank app on the Play Store or App Store via
  the link bit.ly/MotionBankMNC.


For further information, please contact:                      PT Bank MNC Internasional Tbk
   Heru Sulistiadhi                                           MNC Bank Tower 10/F, MNC Center
   Corporate Secretary                                        Jl. Kebon Sirih Kav 21-27, Menteng
   Email: heru.sulistiadhi@mncbank.co.id                      Central Jakarta 10340, Indonesia
                                                              Phone : +6221-29805555
                                                              www.mncbank.co.id




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