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                                                                                                                                                                   FINANCIAL STATEMENTS
                                                                                                                            PT BANK TABUNGAN NEGARA (PERSERO) Tbk
                        STATEMENTS OF FINANCIAL POSITION                                                                             STATEMENTS OF INCOME AND OTHER COMPREHENSIVE                                                                                                  STATEMENTS OF COMMITMENTS AND CONTINGENCIES                                                                                                                                   CALCULATION OF FINANCIAL RATIOS
                              As of June 30, 2025 and December 31, 2024                                                                                  For the Period Ended June 30, 2025 and 2024                                                                                                       As of June 30, 2025 and December 31, 2024                                                                                                                For the Period Ended June 30, 2025 and 2024
                                        (In Millions of Rupiah)                                                                                                      (In Millions of Rupiah)                                                                                                                         (In Millions of Rupiah)
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Jun 30, 2025            Jun 30, 2024
                                                                       INDIVIDUAL                CONSOLIDATED                                                                                         INDIVIDUAL                      CONSOLIDATED                                                                                                            INDIVIDUAL                           CONSOLIDATED                        No.                                      RATIOS                                                   (Audited)              (Unaudited)
No.                      DESCRIPTION                         Jun 30, 2025 Dec 31, 2024       30 Jun 2025    Dec 31, 2024     No.                      DESCRIPTION                           Jun 30, 2025       Jun 30, 2024      Jun 30, 2025      Jun 30, 2024        No.                           DESCRIPTION                                    Jun 30, 2025 Dec 31, 2024 Jun 30, 2025                       Dec 31, 2024          PERFORMANCE RATIOS		
                                                              (Audited)    (Audited)          (Audited)      (Audited)                                                                       (Audited)         (Unaudited)        (Audited)        (Unaudited)                                                                                       (Audited)    (Audited)    (Audited)                          (Audited)
                                                                                                                                                                                                                                                                                                                                                                                                                                        1.    Capital Adequacy Ratio (CAR)                                                                       16,93%                18,58%
ASSETS			                                                                                                                    OPERATING INCOME AND EXPENSES                                                                                                               I.     COMMITMENT RECEIVABLES                                                                                                                                  2.    Non performing earning assets and non earning assets
 1. Cash		                                                 1.705.979    2.105.620     1.706.034   2.105.620                   A.		 Interest Income and Expenses                                                                                                        		 1. Unused fund borrowings/financing facilities                                           -                   -                   -                   -       		     to total earning assets and non earning assets                                                      2,78%                 2,64%
                                                                                                                                                                                                                                                                                                                                                                                                                                        3.    Non performing earning assets to total earning assets                                               2,77%                 2,62%
 2. Placements with Bank Indonesia                        26.219.247 27.400.963     26.325.530   27.400.963                                                                                                                                                            		 2. Outstanding purchase position on spot                                                                                                                      4.    Allowance for impairment on financial assets to earning assets                                      3,26%                 3,64%
                                                                                                                              1. Interest income                                              18.496.217        14.974.674         18.500.569       14.974.674
 3. Placements with other banks                            2.581.761    5.951.807     2.583.465   5.951.807                                                                                                                                                            			 and derivative/forward                                                        105.884          1.963.590               105.884         1.963.590             5.    NPL gross                                                                                           3,31%                 3,13%
                                                                                                                              2. Interest expenses                                             9.153.596         8.949.468          9.153.572        8.949.468
 4. Spot and derivative receivables/forward                      396      102.843           396     102.843                                                                                                                                                            		 3. Others                                                                            -                  -                     -                 -             6.    NPL net		                                                                                           1,89%                 1,49%
 5. Securities                                            59.104.099 57.339.639     60.073.014   57.339.639                  		 Net interest income (Expenses)                                 9.342.621         6.025.206          9.346.997        6.025.206                                                                                                                                                                          7.    Return on Asset (ROA)                                                                               0,91%                 0,84%
                                                                                                                                                                                                                                                                         II.    COMMITMENT PAYABLES                                                                                                                                     8.    Return on Equity (ROE)                                                                             11,82%                11,06%
 6. Securities sold under repurchase agreements (Repo)             -    3.499.300             -   3.499.300                   B.    Operating Income and Expenses Other than Interest                                                                                                                                                                                                                                                   9.    Net Interest Margin (NIM)                                                                           4,39%                 3,00%
 7. Securities purchased under resale agreements                                                                                                                                                                                                                                                                                                                                                                                       10.    Operating Expenses to Operating Income                                                             89,39%                88,65%
                                                                                                                              1. Gain (loss) from increase (decrease) in fair value                                                                                    		 1. Unused loan facilities granted to customer				
		 (Reverse Repo)                                          1.954.805      175.625     1.954.805     175.625                                                                                                                                                                                                                                                                                                                            11.    Cost to Income Ratio (CIR)                                                                         47,81%                58,77%
                                                                                                                             		 of financial assets                                               208.664           53.963           208.580            53.963         			 a. Committed                                     43.065     86.184                                                     43.065             86.184            12.    Loan to Deposit Ratio (LDR)                                                                        92,36%                96,36%
 8. Acceptances receivables                                  622.813      941.898       622.813     941.898
                                                                                                                              2. Gain (loss) from decrease (increase ) in fair value                                                                                   			 b. Uncommitted                               13.910.363 15.528.711                                                 13.910.363         15.528.711
 9. Loans		                                              327.644.289 314.080.105 327.644.289 314.080.105                                                                                                                                                                                                                                                                                                                               COMPLIANCE
10. Sharia financing                                      48.466.126 43.892.827     48.466.126   43.892.827                  		 of financial liabilities                                                -                -                 -                 -         		 2. Outstanding irrevocable letters of credit     104.301    249.694                                                    104.301            249.694
                                                                                                                              3. Gain (loss) from sale of financial assets                        479.728          355.981           479.728           355.981         		 3. Outstanding sales position on spot                                                                                                                         1. a. Percentage violation of Legal Lending Limit
11. Investment in share                                    1.629.762            -            29           -                                                                                                                                                                                                                                                                                                                            			 i. Related parties                                0,00%                                                                       0,00%
                                                                                                                              4. Gain (Loss) from spot and derivative transaction/                                                                                     			 and derivative/forward                          105.488  1.806.505                                                     105.488         1.806.505
12. Others financials assets                              13.685.680 11.712.851     13.708.584   11.712.851                                                                                                                                                                                                                                                                                                                            			 i. Non - Related parties                          0,00%                                                                       0,00%
                                                                                                                             		 forward (realised)                                                  (26.959)        60.263            (26.959)          60.263         		 4. Others                                         14.683     14.353                                                      14.683            14.353            		 b. Percentage of excess of the Legal Lending Limit
13. Allowance for impairment on financial assets -/-						
                                                                                                                              5. Gain (Loss) from investment in shares                                                                                                                                                                                                                                                                 			 i. Related parties                                0,00%                                                                       0,00%
		 a. Securities                                                 (17)        (787)          (17)       (787)
                                                                                                                             		 under equity method                                                      -               -                  -                -          III.     CONTINGENT RECEIVABLES                                                                                                                                			 i. Non - Related parties                          0,00%                                                                       0,00%
		 b. Loans and Sharia financing                         (14.356.707) (13.057.187) (14.356.707) (13.057.187)                                                                                                                                                                                                                                                                                                                            2. Reserve requirement
                                                                                                                              6. Gain (Losses) from foreign currencies translation                  70.254          11.298             70.254           11.298         		 1. Guarantees received                                                      2.590.544           2.350.910            2.590.544          2.350.910
		 c. Others                                                  (2.029)      (4.558)       (2.029)     (4.558)                                                                                                                                                                                                                                                                                                                           		 a. Primary reserve requirement Rupiah
                                                                                                                              7. Dividend Income                                                         -               -                  -                -         		 2. Others                                                                  10.322.335           9.209.022           10.322.335          9.209.022            			 1.) Conventional		
14. Intangible assets                                        338.221      137.531       865.926     137.531
                                                                                                                              8. Comissions/provisions/fees and administrative                     711.223         762.393            711.183          762.393                                                                                                                                                                         				 - Daily                                          0,21%                                                                       0,04%
		 Accumulated amortisation for intangible assets -/-        (32.773)     (15.523)      (32.773)    (15.523)
                                                                                                                              9. Other income                                                      461.863         706.882            460.032          706.882          IV.     CONTINGENT PAYABLES                                                                                                                                    				 - Average                                        4,30%                                                                       5,00%
15. Premises and equipment                                14.613.334 14.059.957     14.618.179   14.059.957                                                                                                                                                                                                                                                                                                                            			 2.) Syariah                                       3,15%                                                                       6,08%
                                                                                                                             10. Impairment for financial assets                                 3.656.970         925.183          3.656.970          925.183
		Accumulated depreciation on premises and equipment -/- (5.188.392) (4.883.826)     (5.193.116) (4.883.826)                                                                                                                                                           		 1. Guarantees issued                                                        3.995.942           3.124.003             3.995.942         3.124.003            		 b. Reserve requirement Foreign currencies (Daily)  4,18%                                                                       9,88%
                                                                                                                             11. Losses related to operational risk                                      -               -                  -                -
16. Non earning assets						                                                                                                                                                                                                                                           		 2. Others                                                                           -		                 -		                   -		               -             3. Net Open Position - Overall                       1,19%                                                                       3,27%
                                                                                                                             12. Salaries and employee benefits                                  2.271.877       2.364.330          2.273.536        2.364.330
		 a. Abandoned properties                                     1.410        1.410         1.410       1.410
                                                                                                                             13. Promotion expenses                                                305.117         288.359            305.117          288.359
		 b. Repossessed assets                                      77.591       77.591        77.591      77.591                                                                                                                                                                                                                                              STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO
                                                                                                                             14. Other expenses                                                  2.845.864       2.470.840          2.846.965        2.470.840
		 c. Suspense account                                             -            -             -           -                                                                                                                                                                                                                                                                                   For the Period Ended June 30, 2025 and 2024
		 d. Inter office assets                                          -            -             -           -                  		Other Operating Income (Expenses)                              (7.175.055)       (4.097.932)        (7.179.770)      (4.097.932)                                                                                                                                           (In Millions of Rupiah)
17. Other assets                                           5.737.063    6.096.416     5.743.712   6.096.416                  		 PROFIT (LOSS) FROM OPERATIONS                                  2.167.566         1.927.274          2.167.227        1.927.274                                                                                                                                                                                                                                      Jun 30, 2025                                      Jun 30, 2024
TOTAL ASSETS                                                 484.802.658     469.614.502     484.807.261    469.614.502      NON OPERATING INCOME AND EXPENSES				                                                                                                                                                                                            CAPITAL COMPONENTS                                                                                                                     (Audited)                                         (Unaudited)
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          INDIVIDUAL CONSOLIDATED                        INDIVIDUAL      CONSOLIDATED
LIABILITIES AND EQUITY							                                                                                                 1. Gain (loss) from sale of premises and equipment                        938          1.915                938            1.915
                                                                                                                              2. Other non operating income (expenses)                              (38.154)       (52.057)           (37.786)         (52.057)     I. CORE CAPITAL (TIER 1)		                                                                                                                                                                                              29.643.033    30.740.877                        27.524.771      27.524.771
		LIABILITAS						                                                                                                                                                                                                                                                 		  1. Common Equity Tier 1 (CET 1)                                                                                                                                                                                      29.643.033    30.740.877                        27.524.771      27.524.771
                                                                                                                             		PROFIT (LOSS) FROM NON OPERATING                                     (37.216)       (50.142)           (36.848)         (50.142)
 1. Demand deposits                                    155.286.510 160.847.953 155.286.517 160.847.953                                                                                                                                                             			 1.1. Paid-in Capital (net of Treasury Stock)                                                                                                                                                                           7.017.222    7.017.222                         7.017.222        7.017.222
 2. Savings deposits                                    44.437.439 45.509.861   44.437.694   45.509.861                      		 PROFIT (LOSS) CURRENT PERIOD BEFORE TAX                        2.130.350         1.877.132          2.130.379        1.877.132     			 1.2. Disclosed Reserves		                                                                                                                                                                                            26.344.929    26.344.929                        23.706.289      23.706.289
 3. Time deposits                                      206.657.595 175.309.187 206.658.383 175.309.187                       		 Income tax expenses				                                                                                                            				 1.2.1 Additional Factor		                                                                                                                                                                                           27.321.989    27.321.989                        24.784.804      24.784.804
 4. Electronic money                                             -           -           -            -                      		 a. Estimated current tax -/-             -  (471.694)                                                    (664)        (471.694)    					           1.2.1.1 Other comprehensive income                                                                                                                                                                         3.642.936    3.642.936                         3.565.773        3.565.773
                                                                                                                                                                                                                                                                   						                    1.2.1.1.1 Excess differences arising from translation of financial statement                                                                                                                             -            -		                               -                -
 5. Fund from Bank Indonesia                                     -           -           -            -                      		 b. Deferred tax income (expenses) (423.961)   96.424                                                 (423.326)          96.424     						                    1.2.1.1.2 Potential gain due to increases of fair value of financial asset through other comprehensive income                                                                                            -            -		                               -                -
 6. Fund from other banks                                   95.487     104.745      95.487      104.745                      		PROFIT (LOSS) CURRENT PERIOD                                    1.706.389         1.501.862          1.706.389        1.501.862     						                    1.2.1.1.3 Surplus of fixed assets revaluation                                                                                                                                                    3.642.936    3.642.936                         3.565.773        3.565.773
 7. Spot and derivative liabilities/forward                      -           -           -		          -                                                                                                                                                            					           1.2.1.2 Other disclosed reserves                                                                                                                                                                         23.679.053    23.679.053                        21.219.031      21.219.031
                                                                                                                             		 PROFIT (LOSS) MINORITY INTEREST                                           -                -                 -                 -   						                    1.2.1.2.1 Agio                                                                                                                                                                                   4.418.900    4.418.900                         4.418.900        4.418.900
 8. Securities sold under repurchase agreements (Repo)           -   3.409.426           -    3.409.426                                                                                                                                                            						                    1.2.1.2.2 General reserves                                                                                                                                                                       4.621.242    4.621.242                         4.621.242        4.621.242
 9. Acceptances liabilities                                622.813     941.898     622.813      941.898                                                                                                                                                            						                    1.2.1.2.3 Previous year profit                                                                                                                                                                 12.932.522    12.932.522                        10.677.027      10.677.027
                                                                                                                             OTHER COMPREHENSIVE INCOME				                                                                                                        						                    1.2.1.2.4 Current year profit                                                                                                                                                                    1.706.389    1.706.389                         1.501.862        1.501.862
10. Securities issued                                    4.765.644   5.444.524   4.765.644    5.444.524
11. Fund borrowings                                     33.641.746 39.813.189   33.641.746   39.813.189                       1. Unreclassified to profit (loss) 				                                                                                              						                    1.2.1.2.5 Funds for paid-in capital                                                                                                                                                                      -		          -		                               -		              -
                                                                                                                                                                                                                                                                   						                    1.2.1.2.6 Others                                                                                                                                                                                         -		          -		                               -		              -
12. Margin deposits received                                 9.787       9.604       9.787        9.604                      		 a. Gain (loss) from revaluation of premises                                                                                        				      1.2.2 Deduction Factor		                                                                                                                                                                                          (977.060)    (977.060)                       (1.078.515)      (1.078.515)
13. Inter office liabilities                                     -           -           -            -                      			 and equipment                                77.163       -                                           77.163                  -   					           1.2.2.1 Other comprehensive income                                                                                                                                                                          (898.059)    (898.059)                         (999.514)        (999.514)
14. Other liabilities                                    5.359.639   5.652.226   5.363.174    5.652.226                      		 b. Gain (loss) from remeasurement on defined                                                                                       						                    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                                                                                   (898.059)    (898.059)                         (999.514)        (999.514)
15. Minority interest                                            -           -          18            -                      			 benefit plans                                84.426  36.645                                           84.426           36.645     					           1.2.2.2 Other disclosed reserves                                                                                                                                                                             (79.001)     (79.001)                          (79.001)         (79.001)
                                                                                                                             		 c. Others                                    (16.041) (9.161)                                         (16.041)          (9.161)    						                    1.2.2.2.1 Disagio                                                                                                                                                                                        -            -		                               -                -
		TOTAL LIABILITIES                                          450.876.660     437.042.613     450.881.263    437.042.613                                                                                                                                            						                    1.2.2.2.2 Previous year loss                                                                                                                                                                             -            -		                               -                -
                                                                                                                              2. Reclassified to profit (loss) 				                                                                                                						                    1.2.2.2.3 Current year loss                                                                                                                                                                              -            -		                               -                -
		EQUITY						                                                                                                               		 a. Gain (losses) from adjustments arising                                                                                          						                    1.2.2.2.4 Negative difference in allowance for possible losses and allowance for impairment on earning assets                                                                                            -		          -		                               -                -
16. Share capital						                                                                                                      			 from translation of financial statement                -        -                                           -                 -   						                    1.2.2.2.5 Negative difference in adjusment amounts from fair value of financial assets in trading book                                                                                                   -            -		                               -                -
		 a. Authorised capital         10.239.216 10.239.216   10.239.216                                          10.239.216      		 b. Gain (losses) from changes of financial assets                                                                                  						                    1.2.2.2.6 Required allowance for non earning assets                                                                                                                                                (79.001)     (79.001)                          (79.001)         (79.001)
		 b. Unpaid-in capital -/-      (3.221.994) (3.221.994) (3.221.994)                                         (3.221.994)                                                                                                                                           						                    1.2.2.2.7 Others                                                                                                                                                                                         -            -		                               -                -
                                                                                                                             			 on available for sale                            244.940 (298.907)                                  244.940          (298.907)    			 1.3. Non Controlling Interest		                                                                                                                                                                                                -            -		                               -                -
		 c. Treasury stock -/-                  -           -           -                                                   -      		 c. Others                                           9.065   23.295                                     9.065            23.295     			 1.4. Deduction Factor of CET 1                                                                                                                                                                                        (3.719.118)  (2.621.274)                       (3.198.740)      (3.198.740)
17. Additional Paid-in Capital						                                                                                                                                                                                                                               				 1.4.1 Deferred tax calculation                                                                                                                                                                                       (1.785.739)  (1.786.374)                       (3.198.740)      (3.198.740)
                                                                                                                             		 OTHER COMPREHENSIVE INCOME FOR
		 a. Agio                        4.418.900		 4.418.900   4.418.900                                           4.418.900                                                                                                                                            				      1.4.2 Goodwill			                                                                                                                                                                                                        -     (527.705)                                -                -
                                                                                                                             		 THE YEAR AFTER TAX                                                399.553         (248.128)          399.553          (248.128)    				      1.4.3 Other intangible assets                                                                                                                                                                                     (305.448)    (307.195)                                -                -
		 b. Disagio -/-                         -           -           -                                                   -                                                                                                                                            				      1.4.4 Investments in share                                                                                                                                                                                      (1.627.931)           -		                               -                -
		 c. Funds for paid-up capital           -           -           -                                                   -      TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR                    2.105.942         1.253.734          2.105.942        1.253.734     				      1.4.5 Shortfall of capital on insurance subsidiaries                                                                                                                                                                     -            -		                               -                -
		 d. Others                              -           -           -                                                   -                                                                                                                                            				      1.4.6 Securitisation exposure                                                                                                                                                                                            -            -		                               -                -
                                                                                                                             Current Year Net Profit (Loss) Attributable to :				                                                                                  				      1.4.7 Other deduction of CET 1                                                                                                                                                                                           -            -		                               -                -
18. Other comprehensive income						
                                                                                                                             		 - Owner of Company                             1.706.389 1.501.862                                  1.706.389        1.501.862     					           1.4.7.1 Placement of funds in instrumen AT 1 and/or Tier 2 to other bank                                                                                                                                           -            -		                               -                -
		 a. Gain                        3.642.936   3.565.773   3.642.936                                            3.565.773                                                                                                                                           					           1.4.7.2 Cross-ownership in another entity acquired by the transition due to law, grants, or grants will                                                                                                            -            -		                               -                -
                                                                                                                             		 - Non Controlling Interest                             -         -		                                        -		              -
		 b. Losses -/-                 (1.253.689) (1.576.079) (1.253.689)                                          (1.576.079)                                                                                                                                          					           1.4.7.3 Exposure that give rise to credit risk due the settlement (settlement risk) - Non Delivery Versus Payment                                                                                                  -		          -                                 -                -
19. Reserve						                                                                                                            		TOTAL CURRENT YEAR NET PROFIT (LOSS)                            1.706.389         1.501.862          1.706.389        1.501.862     					           1.4.7.4 Exposures in subsidiaries that to business activity based on sharia principle                                                                                                                              -            -		                               -                -
		 a. General reserve             4.621.242   4.621.242   4.621.242                                           4.621.242      Total Comprehensive Profit (Loss) For The Year                                                                                        		 2. Additional Tier 1 (AT 1)		                                                                                                                                                                                                     -		                      -		                      -                     -
		 b. Appropriated reserve          840.476     840.476     840.476                                             840.476      Attributable to:				                                                                                                                  			 2.1. Instrument which comply with AT 1 requirements                                                                                                                                                                              -                        -		                      -                     -
20. Retained Earning						                                                                                                   		 - Owner of Company                          2.105.942 1.253.734                                     2.105.942        1.253.734     			 2.2. Agio / Disagio			                                                                                                                                                                                                           -                        -		                      -                     -
		 a. Previous years             13.684.355 11.377.225   13.684.355                                          11.377.225      		 - Non Controlling Interest                          -         -                                                                    			 2.3. Deduction Factor of AT 1		                                                                                                                                                                                                  -                        -		                      -                     -
                                                                                                                                                                                                                                                                   				      2.3.1 Placements of fund in instrument AT 1 and/or Tier 2 to other bank                                                                                                                                                    -		                      -		                      -                     -
		 b. Current year                1.706.389   3.007.328   1.706.389                                           3.007.328      		TOTAL COMPREHENSIVE PROFIT (LOSS)                                                                                                   				      2.3.2 Cross ownership in another entity acquired by the transition due to law, grants or grants will                                                                                                                       -		                      -		                      -                     -
		 c. Paid Dividend -/-            (751.833)   (700.198)   (751.833)                                           (700.198)     			 FOR THE YEAR                                                  2.105.942         1.253.734          2.105.942        1.253.734      II. SUPPLEMENTAL CAPITAL (TIER 2)                                                                                                                                                                                         2.474.028            2.474.438                 3.266.701                3.266.701
			TOTAL EQUITY ATTRIBUTABLE TO OWNER                         33.925.998      32.571.889      33.925.998     32.571.889      TRANSFER PROFIT (LOSS) TO HEAD OFFICE                                        -                -		               -		               -   		 1. Capital instrument in the form of stock or other which comply with Tier 2 requirements                                                                                                                                 400.000              400.000                 1.487.675                1.487.675
                                                                                                                                                                                                                                                                   		 2. Agio/Disagio			                                                                                                                                                                                                              -                    -		                       -                        -
			 TOTAL EQUITY                                              33.925.998      32.571.889      33.925.998     32.571.889      DIVIDEND				-                                                                                 -                 -		               -   		 3. General provision on earning assets (max. 1.25% credit risk - weighted assets)                                                                                                                                       2.074.028            2.074.438                 1.779.026                1.779.026
                                                                                                                                                                                                                                                                   		 4. Deduction supplemental capital		                                                                                                                                                                                             -                    -		                       -                        -
TOTAL LIABILITIES AND EQUITY                                 484.802.658     469.614.502     484.807.261    469.614.502      EARNINGS PER SHARE (in rupiah)                                            122             107                 122               107   			 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                                                                                                                           -                    -		                       -                        -
                                                                             Statements of Assets’ Quality and Other Information                                                                                                                                   		 TOTAL CORE AND SUPPLEMENTAL CAPITAL                                                                                                                                                                                    32.117.061           33.215.315                30.791.472               30.791.472
                                                                                            For the Period Ended June 30, 2025 and 2024
                                                                                                        (In Millions of Rupiah)                                                                                                                                                                                                                Jun 30, 2025                                       Jun 30, 2024                                                                                      Jun 30, 2025                                     Jun 30, 2024
                                                                                                                                                                                                                                                                                         DESCRIPTIONS                                           (Audited)                                         (Unaudited)                                        DESCRIPTIONS                                    (Audited)                                       (Unaudited)
                                                                                                                                              INDIVIDUAL
                                                                                                                                                                                                                                                                                                                                     INDIVIDUAL            CONSOLIDATED                INDIVIDUAL              CONSOLIDATED                                                               INDIVIDUAL          CONSOLIDATED              INDIVIDUAL             CONSOLIDATED
No.                   DESCRIPTION                                                          June 30, 2025 (Audited)                                                                      June 30, 22024 (Unaudited)
                                                                         RISK WEIGHTED ASSETS					 CAR RATIO
                                                             Current       Special Mention Sub Standard
                                                                           CREDIT RISK - WEIGHTED ASSETS     Doubtful
                                                                                                                 164.608.727 Loss
                                                                                                                             164.641.956    Total
                                                                                                                                         140.689.041        Current      Special Mention Sub Standard
                                                                                                                                                     140.689.041 		 CET 1 Ratio (%)                            Doubtful
                                                                                                                                                                                                          15,63%                    Loss             Total                                                                                                                                                                                                                                                           16,20%                          16,61%             16,61%
                                                                           MARKET RISK - WEIGHTED ASSETS           4.715.877   4.715.877   6.015.918   6.015.918 		 Tier 1 Ratio (%)                      15,63%                                                                                                                                                                                                                                                                                                     16,20%                          16,61%             16,61%
I.		    RELATED PARTIES                                                    OPERATIONAL RISK - WEIGHTED ASSETS     20.388.527  20.388.527  19.055.594  19.055.594 		 Tier 2 Ratio (%)                       1,30%                                                                                                                                                                                                                                                                                                      1,30%                           1,97%              1,97%
                                                                         TOTAL RISK WEIGHTED ASSETS              189.713.131 189.746.360 165.760.553 165.760.553 		 Capital Adequacy Ratio (%)            16,93%                                                                                                                                                                                                                                                                                                     17,51%                          18,58%             18,58%
 1.     Placements with other banks													
		      a. Rupiah                                - - - - - - - - - - - - CAR BASED ON RISK PROFILE (%)                9,33%       9,33%       9,25%       9,25%    CET 1 for Buffer (%)                    7,60%                                                                                                                                                                                                                                                                                                      8,18%                           9,33%              9,33%
		      b. Foreign currencies                    - - - - - - - - - - - - CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE					 PERCENTAGE OF BUFFER MANDATORY FILLED BY BANK (%)
 2.     Spot and derivative receivables/ forward													              From CET1 (%)                              8,03%       8,03%       7,28%       7,28%		 Capital Conservation Buffer (%)         2,500%                                                                                                                                                                                                                                                                                                     2,500%                          2,500%             2,500%
		      a. Rupiah                                - - - - - - - - - - - -   From AT1 (%)                               0,00%       0,00%       0,00%       0,00%		 Countercyclical Buffer (%)              0,000%                                                                                                                                                                                                                                                                                                     0,000%                          0,000%             0,000%
		      b. Foreign currencies                    - - - - - - - - - - - -   From Tier 2 (%)                            1,30%       1,30%       1,97%       1,97%		 Capital Surcharge for Systemic Bank (%) 1,000%                                                                                                                                                                                                                                                                                                     1,000%                          1,000%             1,000%
 3. Securities													
		 a. Rupiah                                    - - - - -      -      -  - - - -      -                                   STATEMENT OF CASH FLOWS                                                                                                                                                                                                                                                                                               STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
		 b. Foreign currencies                        - - - - -      -      -  - - - -      -                               For the Period Ended June 30, 2025 and 2024                                                                                                                                                                                                                                                                                                                        As of June 30, 2025
 4. Securities sold with agreement                                                                                                     (In Millions of Rupiah)                                                                                                                                                                                                                                                                                                                         (In Millions of Rupiah)
		 to repurchase (Repo)												
		 a. Rupiah                                    - - - - -      -      -  - - - -      -                                                                               CONSOLIDATED                                                                                                                                                                                                                                                                                                                                                                             Derivative
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   Notional                Type                               Receivables
		 b. Foreign currencies                        - - - - -      -      -  - - - -      -                                  DESCRIPTION                           Jun 30, 2025     Jun 30, 2024                                                                                                                                                                                                                                            No.            TRANSACTION
                                                                                                                                                                (Audited)       (Unaudited)                                                                                                                                                                                                                                                                                                        Amount
 5. Securities purchased with agreement                                                                                                                                                                                                                                                                                                                                                                                                                                                                           Trading              Hedging Receivables Payables
		 to resell (Reverse Repo)													                                                CASH FLOWS FROM OPERATING ACTIVITIES				
		 a. Rupiah                                    - - - - -      -      -  - - - -      -                                                                                                                                                                                                                                                                                                                                                  A.    Exchange Rate Related
		 b. Foreign currencies                        - - - - -      -      -  - - - -      -    Interest, profit sharing, and margin                                  15.000.681       14.666.984
                                                                                           Recoveries from loan debts written-off                                    416.797          451.629                                                                                                                                                                                                                                            1.    Spot                                                    32.470                -                   -              40              -
 6. Acceptances receivables                     - - - - -      -      -  - - - -      -    Interest and bonus, fees and commissions paid                         (9.353.842 )     (9.021.130 )                                                                                                                                                                                                                                           2.    Forward                                                 73.058                -                   -             356              -
 7. Loans and financing provided                                                           Corporate income tax paid                                                (358.072 )       (619.666 )                                                                                                                                                                                                                                          3.    Option
		 yang diberikan													                                                             Other operating expenses - net                                         (3.811.140 )     (3.211.151 )                                                                                                                                                                                                                                         		     a. Written                                                     -              -                   -               -              -
		 a. Micro, Small and Medium loans (UMKM)													                                    Other non-operating expense - net                                         135.853          (37.353 )                                                                                                                                                                                                                                         		     b. Purchased                                                   -              -                   -               -              -
			 i. Rupiah                                   - - - - -      -      -  - - - -      -    Cash receipts before changes in operating assets and liabilities        2.030.277 		     2.229.313                                                                                                                                                                                                                                            4.    Future                                                         -              -                   -               -              -
                                                                                                                                                                                                                                                                                                                                                                                                                                         5.    Swap                                                           -              -                   -               -              -
			 ii. Foreign currencies                      - - - - -      -      -  - - - -      -    Changes in operating assets and liabilities:			                                                                                                                                                                                                                                                                                               6.    Others                                                         -              -                   -               -              -
		 b. Non UMKM													                                                                Decrease (increase) in operating assets: 			
			 i. Rupiah                              76.975 - - - - 76.975 91.221 17 - - - 91.238                                                                                                                                                                                                                                                                                                                                                  B.    Interest Rate Related
                                                                                           Fair value through profit or loss securities                             (749.926 )   (13.966.343 )
			 ii. Foreign currencies                      - - - - -      -      -  - - - -      -    Fair value through profit or loss government bonds                      2.184.785         (949.624 )                                                                                                                                                                                                                                          1.    Forward                                                        -              -                   -               -              -
		  c. Restructured loans													                                                     Acceptance Receivable                                                           1         (284.567 )                                                                                                                                                                                                                                          2.    Option
			 i. Rupiah                                   - - - - -      -      -  - - - -      -    Derivative  Receivable                                                          -          (63.869 )                                                                                                                                                                                                                                         		     a. Written                                                     -              -                   -               -              -
                                                                                           Loans and sharia financing/receivables                               (16.973.567 )    (20.017.784 )                                                                                                                                                                                                                                          		     b. Purchased                                                   -              -                   -               -              -
			 ii. Foreign currencies                      - - - - -      -      -  - - - -      -
                                                                                           Other assets                                                          (1.795.812 )     (2.682.152 )                                                                                                                                                                                                                                           3.    Future                                                         -              -                   -               -              -
 8. Investments in shares                       - - - - -      -      -  - - - -      -                                                                                                                                                                                                                                                                                                                                                  4.    Swap                                                           -              -                   -               -              -
                                                                                           Increase (decrease) in operating liabilities:			
 9. Other receivable                            - - - - -      -      -  - - - -      -                                                                                                                                                                                                                                                                                                                                                  5.    Others                                                         -              -                   -               -              -
10. Commitments and contingencies													                                             Current liabilities                                                       105.719          843.383
                                                                                           Deposits from customer 			                                                                                                                                                                                                                                                                                                                    C.    Others                                                         -              -                   -               -              -
		 a. Rupiah                                    - - - - -      -      -  - - - -      -
                                                                                        		 Demand deposits                                                       (9.349.760 )         780.521
		 b. Foreign currencies                        - - - - -      -      -  - - - -      -                                                                                                                                                                                                                                                                                                                                                 		     TOTAL                                                  105.528                -                   -             396              -
                                                                                        		 Wadiah demand deposits                                                  2.986.275        2.680.557
                                                                                                                                                                                                                                                                       		 Savings deposits                                                                                                 (2.166.927 )          (3.306.745 )
                                                                                                                                              INDIVIDUAL                                                                                                               		 Savings deposits Wadiah                                                                                              11.205               109.834                                                       PRIME LENDING RATE
                                                                                                                                                                                                                                                                       		 Time deposits                                                                                                    30.539.595            13.200.938
No.                  DESCRIPTION                                                                                                                                                                                                                                         Deposits from other banks                                                                                             (9.488 )           2.213.306                                                             As of June 30, 2025
                                                                                           June 30, 2025 (Audited)                                                                      June 30, 2024 (Unaudited)                                                                                                                                                                                                                                                                                                                                             (% per annum)
                                                                                                                                                                                                                                                                         Acceptance liabilities                                                                                                     -               284.567
                                                             Current       Special Mention Sub Standard      Doubtful        Loss           Total           Current      Special Mention Sub Standard          Doubtful             Loss             Total               Other liabilities                                                                                                    (59.233 )            (909.406 )
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Prime Lending Rate
                                                                                                                                                                                                                                                                         Temporary syirkah funds                                                                                            2.621.084             1.511.201
II.		   NON RELATED PARTIES                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   Business Segment
                                                                                                                                                                                                                                                                         Net Cash provided (used in) by Operating Activities                                                                9.374.228 		        (18.326.870 )
 1. Penempatan pada bank lain                                                                                                                                              CASH FLOWS FROM INVESTING ACTIVITIES				                                                                                                                                                                                                                                                           Non MSME Loan                       MSME Loan
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Mortgage        Non
		 a. Rupiah                                     740.867          -       -         -         -     740.867     364.835          -       -         -         -     364.835                                                                                                                                                                                                                                                                                                                                                                                            Mortgage
                                                                                                                                                                                Receipt (purchase) of amortized cost securities                                     288.929       309.592                                                                                                                                                                                 Corporate       Retail       Medium        Small               Micro
		 b. Foreign currencies                       1.838.907          -       -         -     1.987   1.840.894   6.230.838          -       -         -     1.830   6.232.668      Acquisition of fixed assets                                                        (479.020 )    (583.967)
 2. Spot and derivative receivables/ forward													                                                                                                                       Sale of fixed assets                                                                  1.155             -
		 a. Rupiah                                          40          -       -         -         -          40           -          -       -         -         -           -      Receipt (purchase) of amortized cost government bonds                             1.431.307     4.092.252                                                                                                                                               Prime Lending Rate                  8,76%         8,90%         9,90%        10,48%             13,75%           8,04%         10,80%
		 b. Foreign currencies                             356          -       -         -         -         356      96.045          -       -         -         -      96.045      Receipt (purchase) in fair value through other comprehensive income securities       34.376       217.465
 3. Securities													                                                                                                                                                     (Purchase) receipt in fair value through other comprehensive income
                                                                                                                                                                                                                                                                                                                                                                                                                                       Catatan :
                                                                                                                                                                           		 government bonds                                                                     (989.584 )    (474.005)                                                                                                                                             1) The above interim consolidated financial information has been derived from the consolidated financial statements of PT Bank
		 a. Rupiah                                  49.159.613     38.535   4.611     6.630    58.525  49.267.914  37.048.084     52.615   5.449     6.812    48.948  37.161.908      Placement of securities purchased under agreement to resell                      (1.827.208 )           -                                                                                                                                                  Tabungan Negara (Persero) Tbk and its subsidiaries as of June 30, 2025, and for the six-month period then ended, which
		 b. Foreign currencies                       9.836.185          -       -         -         -   9.836.185   9.806.536          -       -         -         -   9.806.536      Acquisition of Subsidiary with Cash                                              (1.540.067 )           -                                                                                                                                                  were prepared by the Bank’s management in accordance with Indonesian Financial Accounting Standards, and audited
 4. Securities sold with agreement                                                                                                                                               Net Cash used in Investing Activities                                           (3.080.112 )   3.561.337                                                                                                                                                  by the Public Accounting Firm Purwanto, Susanti & Surja (“PSS”) (a member firm of Ernst & Young Global Limited), with
		 to repurchase (Repo)													                                                                                                                                                                                                                                                                                                                                                                                                       Christophorus Alvin Kossim as the engagement partner, an independent auditor, in accordance with the Auditing Standards
                                                                                                                                                                           CASH FLOWS FROM FINANCING ACTIVITIES 				                                                                                                                                                                                                                       established by the Indonesian Institute of Certified Public Accountants, with an unmodified audit opinion, as stated in their
		 a. Rupiah                                           -          -       -         -         -           -   4.722.319          -       -         -         -   4.722.319                                                                                                                                                                                                                                                                 report dated August 28, 2025, which is not included in this publication. As the financial information above has been extracted
		 b. Foreign currencies                               -          -       -         -         -           -           -          -       -         -         -           -      Payment of matured securities issued                                               (679.489 )  (1.729.725 )
                                                                                                                                                                                                                                                                                                                                                                                                                                           from the financial statements, such information does not constitute a complete presentation of the financial statements.			
                                                                                                                                                                                Proceeds of securities issued                                                             -       162.437
 5. Securities purchased with agreement                                                                                                                                         Payments of dividends                                                              (751.833 )    (700.198 )                                                                                                                                            2) The above published Financial Statements are presented to comply with:		
		 to resell (Reverse Repo)													                                                                                                                                        Penerimaan dari pinjaman yang diterima                                              333.591     2.158.184                                                                                                                                                  a) Financial Services Authority Regulation (POJK) Number 37/POJK.03/2019 Dated December 19, 2019 regarding
		 a. Rupiah                                   1.954.805          -       -         -         -   1.954.805           -          -       -         -         -           -      Payment from fund borrowings                                                    (1.745.586 )   (6.513.038 )                                                                                                                                                      “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
		 b. Foreign currencies                               -          -       -         -         -           -           -          -       -         -         -           -      Proceeds from securities sold under repurchase agreements                       28.427.367      4.546.919
                                                                                                                                                                                                                                                                                                                                                                                                                                                 “Transparency and Published Financial Statements of The Commercial Banks”.
 6. Acceptances receivables                      622.813          -       -         -         -     622.813     829.134          -       -         -         -     829.134      Payments of matured securities sold under repurchase agreements                (31.836.205 )            -                                                                                                                                                  c) Financial Services Authority Regulation (POJK) Number 27/POJK.03/2022 Dated December 26, 2022 on Second
                                                                                                                                                                                Payment of lease liabilities                                                        (56.822 )     (50.321 )                                                                                                                                                      Amendments of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy Ratio for The Commercial Banks” and
 7. Loans and financing provided													                                                                                                                                   Payment of subordinated borrowings                                              (4.828.500 )            -                                                                                                                                                        Financial Services Authority Regulation (POJK) Number 34/POJK.03/2016 Dated September 22, 2016 on Amendments
		 a. Micro, Small and Medium loans (UMKM)													                                                                                                                         Net Cash Provided by (used in) Financing Activities                            (11.137.477 )   (2.125.742 )                                                                                                                                                      of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy Ratio for The Commercial Banks”.
			 i Rupiah                                   6.958.839    262.400  15.803    51.209   659.916   7.948.167   7.064.705    153.282  25.854    25.985   773.442   8.043.268                                                                                                                                                                                                                                                                 d) Financial Services Authority Regulation (POJK) Number 14/POJK.04/2022 Dated August 18, 2022 regarding “Submission
			 ii Foreign currencies                              -          -       -         -         -           -           -          -       -         -         -           - NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS                                 (4.843.361 )  (16.891.275 )                                                                                                                                                      of Periodic Financial Statements for Issuers or Public Companies”
                                                                                                                                                                           CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD                                     35.458.390     53.037.770                                                                                                                                                  e) Capital Market and Financial Institution Supervisory Agency (Bapepam-LK) Regulation Number VIII.G.7, Decision of
		 b. Non UMKM													                                                                                                                                                                                                                                                                                                                                                                                                                      Chairman of Bapepam-LK Number KEP-347/BL/2012 Dated June 25, 2012 regarding “Presentation and Disclosure of
			 i Rupiah                                 315.161.600 39.430.332 960.901 1.543.654 9.248.319 366.344.806 298.221.543 32.985.752 934.354 1.706.867 7.555.503 341.404.019 CASH AND CASH EQUIVALENTS AT END OF PERIOD                                           30.615.029     36.146.495                                                                                                                                                        Periodic Financial Statements for Issuers or Public Companies”.
			 ii Foreign currencies                      1.740.467          -       -         -         -   1.740.467   2.527.186          -       -         -         -   2.527.186 The details of cash and cash equivalents at end of period are as follows:                                                                                                                                                                                       f) Circular Letter of Financial Services Authority Number S-2/PB.11/2020 dated January 20, 2020 regarding Changes to
		  c. Restructured loans													                                                                                                                                     Cash  		                                                                               1.706.034     1.558.429                                                                                                                                                        Published Financial Statements
                                                                                                                                                                           Current accounts with Bank Indonesia                                                 15.205.849     15.952.471                                                                                                                                              3) Related Parties in the Statements of Assets’ Quality and Other Information are presented in accordance with Bank Indonesia
			 i Rupiah                                  23.525.307 26.421.146 525.435   957.985 6.496.241  57.926.114  30.456.405 20.329.968 589.908 1.257.416 5.510.680  58.144.377 Current accounts with other banks                                                      1.850.995     6.597.442                                                                                                                                                  Regulation Number 7/3/PBI/2005 dated January 20, 2005 regarding the Amendment of Financial Services Authority Regulation
			 ii Foreign currencies                              -          -       -         -         -           -           -          -       -         -         -           - Placements with Bank Indonesia and other banks - maturing within		                                                                                                                                                                                              Number 38/POJK.03/2019 dated December 19, 2019 regarding the Amendment of Financial Services Authority Regulation
 8. Investments in shares                      1.629.762          -       -         -         -   1.629.762           -          -       -         -         -           -       three months or less since the acquisition date                                11.852.151     12.038.153                                                                                                                                                  Number 32/POJK.03/2018 regarding The Legal Lending Limit and Provisions of Large Fund for Commercial Banks.
 9. Other receivable                                   -          -       -         -         -           -           -          -       -         -         -           - Total of cash and cash equivalents                                                   30.615.029     36.146.495                                                                                                                                              4) Exchange rate of 1 US Dollar as at June 30, 2025 , December 31, 2024 and June 30, 2024 were Rp. 16.235,00 , Rp. 16.095,00
                                                                                                                                                                                                                                                                                                                                                                                                                                           dan Rp. 16.375,00 respectively.		
10. Commitments and contingencies													
                                                                                                                                                                                                                                                                                                                                                                                                                                       5) Basic earnings per share is computed by dividing income for the year available to shareholders of ordinary shares (residual
		 a. Rupiah                                  16.619.260    628.694  14.905     5.197   148.860  17.416.916  17.148.180    424.771   8.818       190   185.592  17.767.551                                                                                                                                                                                                                                                                 income) by the weighted average number of ordinary shares outstanding during the current year.
		 b. Foreign currencies                         651.438          -       -         -         -     651.438   1.270.261          -       -         -         -   1.270.261                                          MANAGEMENT               OF   THE    BANK
                                                                     Board of Commissioner		                                                                                                                                                                                                                                                                                                                                           Head Office :
                                                                     President Commissioner      : Suryo Utomo *
III.    OTHER INFORMATION						                                      Vice President Commissioner : Dwi Ary Purnomo *                                                                                                                                                                                                                                                                                                                   Menara Bank BTN
                                                                     Independent Commissioner    : Panangian Simanungkalit ***
 1.     Value of bank’s assets pledge as collateral:													    Independent Commissioner    : Pietra Machreza Paloh ***                                                                                                                                                                                                                                                                                                           Jl. Gajah Mada No. 1 Jakarta 10130, Phone. (021) 6336789. 6332666 Fax. (021) 6346704
		      a. To Bank Indonesia						                        - 						 - Independent Commissioner    : Ida Nuryanti **                                                                                                                                                                                                                                                                                                                     Branch Office :
                                                                     Commissioner                : Fahri Hamzah **                                                                                                                                                                                                                                                                                                                     • Ambon • Balikpapan • Bandar Lampung • Bandung • Bandung Timur • Bangkalan • Banjarmasin • Banjarbaru • Batam
		      b. To others						                                                                                                                         - 						                                                                                                 -
                                                                                                                                                                                                                                                                               Board of Directors		                                                                                                                                    • Banyuwangi • Bekasi • Bengkulu • Bintaro Jaya • Bogor • Bumi Serpong Damai • Cibinong • Cibubur • Cikarang • Cilegon
 2.     Repossessed assets						                                                                                                              77.591 						                                                                                            77.591                  President Director                           : Nixon L.P. Napitupulu                                                                                    • Cimahi • Ciputat • Cirebon • Denpasar • Depok • Gresik • Gorontalo • Harapan Indah • Jakarta Agung Sedayu
                                                                                                                                                                                                                                                                               Vice President Director                      : Oni Febriarto Rahardjo                                                                                   • Jakarta Cawang • Jakarta Kuningan • Jakarta Harmoni • Jakarta Melawai • Jakarta Pluit • Jambi • Jayapura • Jember
                                                                                                                                                                                                                                                                               Director of Risk Management                  : Setiyo Wibowo                                                                                            • Karawaci • Karawang • Kelapa Gading Square • Kebon Jeruk • Kediri • Kendari • Kudus • Kupang • Madiun • Magelang
                                                                                                                                                                                                                                                                               Director of Consumer Banking                 : Hirwandi Gafar
                                                                                                                                                                                                                                                                                                                                                                                                                                       • Makassar • Malang • Mamuju • Manado • Mataram • Medan • Mojokerto • Mulyosari • Padang • Palangkaraya
                                                                LOSSES AND ALLOWANCE FOR ASSET QUALITY ASSESSMENT                                                                                                                                                              Director of Finance & Strategy
                                                                                                                                                                                                                                                                               Director of Human Capital & Compliance
                                                                                                                                                                                                                                                                                                                            : Nofry Rony Poetra
                                                                                                                                                                                                                                                                                                                            : Eko Waluyo                                                                                               • Palembang • Palu • Panakukkang • Pangkal Pinang • Pare-Pare • Pekalongan • Pekanbaru • Pematang Siantar
                                                                              As of June 30, 2025 and 2024                                                                                                                                                                     Director of Network & Retail Funding
                                                                                                                                                                                                                                                                               Director of Operations
                                                                                                                                                                                                                                                                                                                            : Rully Setiawan ****
                                                                                                                                                                                                                                                                                                                            : I Nyoman Sugiri Yasa ****
                                                                                                                                                                                                                                                                                                                                                                                                                                       • Pontianak • Purwakarta • Purwokerto • Samarinda • Semarang • Sidoarjo • Singaraja • Solo • Sukabumi • Surabaya
                                                                                                                                                                                                                                                                                                                                                                                                                                       • Surabaya Bukit Darmo • Tangerang • Tanjung Pinang • Tarakan • Tasikmalaya • Tegal • Ternate • Yogyakarta.
                                                                                                           (In Millions of Rupiah)                                                                                                                                             Director of Commercial Banking               : Hermita ****
                                                                                                                                                                                                                                                                               Director of Treasury & International Banking : Venda Yuniarti *****
                                                                                                                                                                                                                                                                               Director of Corporate Banking                : Helmy Afrisa Nugroho *****
                                                                                                  June 30, 2025 (Audited)                                                                  June 30, 2024 (Unaudited)                                                           Director of Information Technology           : Tan Jacky Chen *****                                                                                                                         Jakarta, August 28, 2025
                                                                                                                                                                                                                                                                               Sharia Supervisory Board		                                                                                                                                                                          S.E. & O
No,                         DESCRIPTION                                         Allowance for Impairment                     Required allowance for                     Allowance for Impairment                           Required allowance for                              Chairman                  : M. Quraish Shihab
                                                                                                                                                                                                                                                                               Member                    : Mohammad Bagus Teguh Perwira                                                                                                                          PT BANK TABUNGAN NEGARA (PERSERO) Tbk
                                                                                                                            losses on earning assets                                                                      losses on earning assets                             Member                    : Muhammad Faiz
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Directors
                                                                           Stage 1           Stage 2          Stage 3        General           Special            Stage 1              Stage 2           Stage 3            General                Special                                                                        SHAREHOLDER
                                                                                                                                                                                                                                                                               Ultimate Shareholder			
  1.    Placements with other banks                                                 6                 -            1.987          22.798             1.987                   80                 -             1.830                 65.955               1.830                     - Republic of Indonesia                               : 0,00%
  2.    Spot and derivative receivables/forward                                     -                 -                -               4                 -                    -                 -                 -                    960                   -                 Non Ultimate Shareholder through Capital Market ( 5%)     : Nihil
                                                                                                                                                                                                                                                                               Non Ultimate Shareholder through non Capital Market ( 5%) : - PT Danantara Asset Management (Persero) : 60,00%
  3.    Securities                                                                 17                 -                -         168.834            64.459                   19                 -                 -                265.492              55.802
  4.    Securities sold with agreement to repurchase (Repo)                         -                 -                -               -                 -                    -                 -                 -                 21.500                   -
                                                                                                                                                                                                                                                                   *     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                                 Nixon L.P. Napitupulu                                           Nofry Rony Poetra
                                                                                                                                                                                                                                                                         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.
  5.    Securities purchased with agreement to resell (Reverse Repo)                -                 -                -               -                 -                    -                 -                 -                      -                   -     **    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                                     President Director                                   Director of Finance & Strategy
                                                                                                                                                                                                                                                                         General Meeting of Shareholders dated March 26, 2025, and shall become effective upon obtaining approval from the Financial Services Authority (OJK) on
  6.    Acceptances receivables                                                    36                 -                -           6.212                 -                  287                 -                 -                  8.264                   -           the Fit and Proper Test assessment and compliance with the prevailing laws and regulations.
  7.    Loans and financing provided                                        2.846.767         4.053.609        7.456.331       3.173.405         5.455.091            2.381.493         3.372.760         9.207.465              3.049.901           9.937.424     *** 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.
  8.    Investments in shares                                                       -                 -                -          16.279                 -                    -                 -                 -                      -                   -
  9.    Other receivable                                                            -                 -                -               -                 -                    -                 -                 -                      -                   -
                                                                                                                                                                                                                                                                   **** 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.                                                    Contact Center : 1500286
                                                                                                                                                                                                                                                                                                                                                                                                                                                                               www.btn.co.id
                                                                                                                                                                                                                                                                   ***** 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
 10.    Commitments and contingencies                                           2.819                 -               27          55.231           154.447                1.074                 -                 -                 48.896             187.861           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.			
Page 2
                                                             FINANCIAL STATEMENTS
                                            PT BANK TABUNGAN NEGARA (PERSERO) Tbk
                    STATEMENT OF FINANCIAL POSITION                                                                  STATEMENT OF INCOME AND OTHER COMPREHENSIVE
                        As of June 30, 2025 and December 31, 2024                                                                     For the Period Ended June 30, 2025 and 2024
                                  (In Millions of Rupiah)                                                                                         (In Millions of Rupiah)
                                                                   Jun 30, 2025       Dec 31, 2024                                                                                Jun 30, 2025      Jun 30, 2024
NO.                               ACCOUNT                             (Audited)            (Audited)          NO.                           DESCRIPTION                             (Audited)        (Unaudited)
		  ASSETS			                                                                                           			    OPERATING INCOME AND EXPENSES				
 1. Cash                                            103.411                                   117.279         A.     Operating Income and Expenses			
 2. Placement with Bank Indonesia                 5.566.064                                 4.530.152         1.     Revenue from Fund Management as Mudharib			
 3. Placement with Other Bank                           201                                       201         		     a. Income from Receipable Financing                       1.524.014              1.404.985
 4. Investments in Marketable Securities         11.208.237                                10.436.953         		     b. Income from Revenue Sharing Financing                    248.924                179.408
 5. Receivable Financing                         41.586.101                                37.852.489         		     c. Income from Revenue from Ijarah                              505                     81
 6. Revenue Sharing Financing                     6.863.194                                 6.030.813
                                                                                                              		     d. Other Main Operating Income                              380.394                412.748
 7. Ijarah Receivable                                16.831                                     9.525
 8. Other Productive Assets                               -                                         -         2.     Third Parties Share on Returns of Temporary Syirkah Funds  (944.376)              (880.139)
 9. Allowance for Impairment on Finansial Assets (1.315.528 )                              (1.329.256)        		     a. Non Profit Sharing                                      (944.376)              (880.139)
10. Premisses and Equipment                          87.511                                    40.574         		     b. Profit Sharing                                                 -                      -
11. Non Productive Assets                                 -		                                       -         3.     Revenue after Sharing Distribustion                       1.209.461              1.117.083
12. Other Assets                                  1.446.249                                 2.872.227
                                                                                                              B.     Other Operating Income and Expenses
		 TOTAL ASSETS                                                      65.562.271            60.560.957         1.     Gain (Loss) from foreign Currencies Transaction                         -                -
                                                                                                              2.     Income Bank as Mudharib from Revenue Sharing                            -                -
      LIABILITIES
                                                                                                              3.     Comissions / Provisions / Fees and Administrative                  67.960           50.972
 1.   Wadiah Deposits			                                                                                      4.     Other Income                                                            -                -
		    a. Current Accounts           21.869.034                                             18.882.766         5.     Bonus on Wadiah Demand Deposite                                  (143.625)         (56.713)
		    b. Saving Accounts             1.533.137                                              1.521.932         6.     Impairment for Financial Assets                                  (264.054)        (167.601)
 2.   Temporary Syirkah Fund			                                                                               7.     Losses Related to Financial Assets                                      -                -
		    a. Current Accounts            1.743.975                                                941.925         8.     Impairment for Other Financial Assets                              28.000           31.451
		    b. Saving Accounts             7.371.080                                              6.287.780         9.     Salaries and Employee Benefits                                   (222.297)        (188.340)
		    c. Time Deposits              22.721.899                                             21.987.804         10.    Other Expense                                                    (274.320)        (416.553)
 3.   Liabilities to Bank Indonesia          -                                                      -
 4.   Liabilities to Other Bank         32.175                                                 31.244         		     Other Operating Income (Expenses)                                (808.336)        (746.784)
 5.   Securities Issued                362.082                                                377.269         		     PROFIT AND LOSS FROM OPERATIONS                                   401.125          370.299
 6.   Other Liabilities              5.044.994                                              5.193.194
                                                                                                              NON OPERATING INCOME AND EXPENSES
 7.   Profit Sharing Deposits                -                                                      -
 8.   Business Fund                  4.465.573                                              4.468.824         1. Gain (Loss) for Sales of Premises and Equipment                              -                -
 9.   Retained Earning			                                                                                     2. Other Non Operating Income (Expenses)                                      (31)              39
		    a. Other Comprehensive Income     12.434                                                (8.978)         		 PROFIT AND LOSS FROM NON OPERATIONS                                        (31)              39
		    b. Previous Year                   4.794                                                 4.794
		    c. Current Year                  401.094                                               872.403          PROFIT AND LOSS CURRENT PERIOD BEFORE TAX                                401.094          370.338

		 TOTAL LIABILITIES                                                 65.562.271            60.560.957         		 Income Tax Expenses                                                            -                  -
                                                                                                              PROFIT AND LOSS CURRENT PERIOD                                           401.094          370.338
                      REVENUE SHARING DISTRIBUTION                                                            OTHER COMPREHENSIVE INCOME				
                                      Period June 30, 2025                                                    1. Unreclasiffied to Profit (Loss)      -   -
                                     (In Millions of Rupiah)                                                  2. Reclasiffied to Profit (Loss)   21.412 221
                                       Net Revenue Sharing                                                    		 OTHER COMPREHENSIVE INCOME FOR THE YEAR
                                                                                                              		 AFTER TAX                                                              21.412               221
                                                                   SHARE OF SHAHIBUL MAAL
                                      AVERAGE        INCOME
NO.      COLLECTIVE TYPE                                                      BONUS AND                       TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR                           422.506          370.559
                                      BALANCE       THAT MUST                                INDIKASI
                                                                 RATIOS        REVENUE
                                                    BE DIVIDED                                 EQV,
                                                                               SHARING                               STATEMENT OF COMMITMENTS AND CONTINGENCIES
                                                                                                                                       As of June 30, 2025 and December 31, 2024
 I.   Liabilities to Other Bank                 -            -            -            -                 -                                       (In Millions of Rupiah)
II. Mudharabah Current Deposits					                                                                                                                                              Jun 30, 2025      Dec 31, 2024
		 a. Bank                              -     -       -                                -             -        NO.                           DESCRIPTION
                                                                                                                                                                                    (Audited)         (Audited)
		 b. Non Bank                  1.400.378 9.816 10,21%                             1.002        0,86%
                                                                                                               1.    COMMITMENT RECEIVABLES		
III, Mudharabah Saving Deposits					                                                                          		     1. Unused Fund Borrowing/Financing Fasilities                   - -
		 a. Bank                         21.044    147 33,12%                               49        2,79%         		     2. Outstanding Purchase Position on Spot and Derivative/forward - -
		 b. Non Bank                  6.926.358 48.548 29,66%                           14.398        2,49%         		     3. Others                                                       - -
IV. Mudharabah Time Deposits					                                                                              2.    COMMITMENT PAYABLES		
		  a. Bank					                                                                                              		     1. Unused Loan Fasilities Granted to Customer                1.606.515 1.404.788
   				 1 Month                      -      -       -		                               -              -        		     2. Outstanding Sales Position on Spot and Derivative/forward		
   				 3 Month                      -      -       -		                               -              -        		     3. Others		
   				 6 Month                    300      2 29,50%                                  1         2,48%
					12 Month                        -      -       -                                 -              -         3.    CONTIGENT RECEIVABLE                                                    -                 -
                                                                                                              		     1. Guarantees Received                                                  -                 -
		 b. Non Bank					                                                                                           		     2. Income in Progress                                                   -                 -
   				 1 Month              2.819.648 19.764 28,87%                               5.706        2,43%         		     3. Others                                                       3.825.267         3.449.747
     		 3 Month              9.546.588 66.914 29,50%                              19.740        2,48%
   				 6 Month                842.950  5.908 29,50%                               1.743        2,48%          4. CONTIGENT PAYABLES		
  			 12		Month                 95.546    670 29,50%                                 197        2,48%         		 1. Guarantees Issued 166 166
                                                                                                              		 2. Others              -   -
 V.   Fund Borrowings                  4.547.040        93.646    18,01%          16.862        4,45%
		 TOTAL                              26.199.852       245.415 		                 59.698                            REPORT OF THE SOURCES AND USE OF WITNESS FUNDS
                                                                                                                                        As June 30, 2025 and December 31, 2024
                                                                  AVERAGE               INCOME                                                   (In Millions of Rupiah)
NO.                TYPE OF DISBURSEMENT
                                                                  BALANCE              RECEIVED                                                                                   Jun 30, 2025      Dec 31, 2024
                                                                                                              NO.                           DESCRIPTION                             (Audited)         (Audited)
  I. Placement with Other Bank       201       -  1. Beginning Balance of Benevolent Funds                              1.087            468
 II. Murabahah Receivable 			                     2. Sources of Benevolent Funds
		 a. Bank                             -       - 		 a. Sources of Benevolent Funds                                           -              -
		 b. Non Bank                 8.994.847 159.145 		 b. Repayment of productive benevolent funds                              -              -
III. Istishna Receivable                         		  c.  Penalty; and                                                   1.124         1.063
                                                 		 d. Non halal income                                                      1             3
		 a. Bank                             -       -
                                                 		 e. Other			
		 b. Non Bank                   558.577  40.136 		 Total benevolent funds received                                     1.125         1.066
IV. Multi-Service Receivable                      3. Uses of Benevolent Funds					
		 a. Bank                             -       - 		 a. Productive benevolent funds                                           -              -
		 b. Non Bank                    23.909     185 		 b. Charity                                                               -              -
 V. Rahn Financing                               		 c. Other uses for public interest                                        1           447
		 a. Bank                             -       - 		 Total uses of benevolent funds                                           1           447
		 b. Non Bank                         -       -  4. Surplus (deficit) of Benevolent Funds                              1.124            619
VI. Mudharabah Financing                          5. Ending Balance of Benevolent Funds                                 2.211         1.087
		 a. Bank                             -       -
		 b. Non Bank                    94.595       1                                       FINANCIAL RATIOS
VII. Musyarakah Financing                                               For the Period Ended June 30, 2025 and 2024
		 a. Bank                             -       -                                                                 Jun 30, 2025 Jun 30, 2024
		 b. Non Bank                 6.316.181  41.343 NO.                               RATIOS                          (Audited)     (Unaudited)
VIII. Ijarah Receivable                           1. Total Assets Sharia Unit to Total Assets Consolidation            13,52%		      12,19%
		 a. Bank                             -       -  2. Non Performing Productive Assets to Total Productive Assets         2,33%		      2,40%
		 b. Non Bank                    16.928     323  3. Allowance for Impairment on Productive Assets
                                                 		 to Total Productive Assets                                           2,20%		      2,99%
IX. Other Financing
                                                  4. Gross NPF                                                           2,87%		      2,83%
		 a. Bank                             -       -  5. Nett NPF                                                            0,54%		      0,74%
		 b. Non Bank                         -       -  6. Return On Assets (ROA)                                              1,29%		      1,34%
                                                                                                               7.    Financing Revenue Sharing to Total Financing                       14,16%		          11,66%
		 TOTAL                                                            16.005.238                241.133          8.    Financing to Deposit Ratio (FDR)                                   87,74%		          89,84%
                                                                                                              Notes :
 REPORT OF SOURCES AND DISTRIBUTION OF ZAKAT AND WAQF FUNDS                                                   - Circular Letter of Financial Services Authority (SEOJK) Number 10/SEOJK.03/2020 regarding
                         As June 30, 2025 and December 31, 2024                                                 “Transparency and Published Financial Statements of The Sharia Commercial Bank and Sharia Unit.”
                                      (In Millions of Rupiah)
                                                                   Jun 30, 2025       Dec 31, 2024            Head Office :
NO.                          DESCRIPTION                              (Audited)            (Audited)          BTN Sharia Center Tanah Abang
                                                                                                              Jl. K.H. Mas Mansyur No.86 RT. 10/RW. 6, Kebon Melati, Kecamatan Tanah Abang,
 A.   Sources and Distribution of Zakat Funds                                                                 Jakarta Pusat 10230
 1.   Zakat Funds Received From:			
		    a. Internal UUS                         2 7                                                             Sharia Branch Office :
		    b. External UUS                         -                                                               •		
                                                                                                                Balikpapan • Banda Aceh • Bandar Lampung • Bandung • Banjarmasin • Batam • Bekasi
		    Total Zakat Funds Received              2 7                                                             • Bengkulu • Bogor • Cirebon • Depok • Jakarta Harmoni • Jakarta Pasar Minggu • Jambi
                                                                                                              • Jember • Karawang • Kendari • Lhokseumawe • Makassar • Malang • Mataram • Medan
 2.   Distribution of Zakat Funds			                                                                          • Padang • Palembang • Palu • Pekanbaru • Pontianak • Semarang • Serang • Solo
		    a. Zakat Receiving Institutions         - 7                                                             • Surabaya • Tangerang • Tasikmalaya • Tegal • Yogyakarta
		    b. Zakat Receiving Body		
		    Total Zakat Funds Distributed           - 7                                                                                                Jakarta, August 28, 2025
 B.   Sources and Distributions of Waqf Funds                                                                                          PT BANK TABUNGAN NEGARA (PERSERO) Tbk
 1.   Waqf Fund Received From:			                                                                                                                 Sharia Business Unit
		    a. Internal UUS                         - -
		    b. External UUS                         - -
		    Total Waqf Funds Received               - -
 2.   Distribution of Waqf Funds
		    a. Badan Wakaf Indonesia                - -
		    b. Other Nadzir                         - -
		    c. Other                                - -                                                                         M. Quraish Shihab                                     Hirwandi Gafar
		    Total Waqf Funds Distributed            - -                                                                      Sharia Supervisory Board                          Director of Consumer Banking

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Names mentioned 28 people and organisations named in the text · linked when the evidence is strong

linked person Suryo Utomo p.1
linked person Dwi Ary Purnomo · President Commissioner p.1 ×2
linked person Panangian Simanungkalit p.1
linked person Pietra Machreza Paloh p.1
linked person Ida Nuryanti p.1
linked person Fahri Hamzah p.1
linked org Bumi Serpong Damai p.1
linked person Oni Febriarto Rahardjo p.1
linked person Setiyo Wibowo p.1
linked person Hirwandi Gafar p.1 ×2
linked person Nofry Rony Poetra p.1 ×2
linked person Eko Waluyo p.1
linked person Rully Setiawan p.1
linked person I Nyoman Sugiri Yasa p.1
linked person Venda Yuniarti p.1
linked person Helmy Afrisa Nugroho p.1
linked person Tan Jacky Chen p.1
linked person M. Quraish Shihab p.1 ×2
possible person Agung Sedayu p.1
unresolved org Bank Indonesia p.1 ×8
unresolved org Tabungan Negara (Persero) Tbk p.1
unresolved org Young Global Limited p.1
unresolved org Financial Services Authority p.1 ×11
unresolved org Bapepam-LK p.1 ×4
unresolved person K.H. Mas Mansyur p.2
unresolved org Wakaf Indonesia p.2

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