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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
Interest, profit sharing, and margin 15.000.681 14.666.984
b. Foreign currencies - - - - - - - - - - - - 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 income 1.288.854 - a. Written - - - - -
a. Micro, Small and Medium loans (UMKM) Other operating expenses - net (3.811.140 ) (3.211.151 ) b. Purchased - - - - -
Other non-operating expense - net 135.853 (37.353 ) 4. Future - - - - -
i. Rupiah - - - - - - - - - - - -
Cash receipts before changes in operating assets and liabilities 5.525.252 2.229.313 5. Swap - - - - -
ii. Foreign currencies - - - - - - - - - - - - 6. Others - - - - -
b. Non UMKM Changes in operating assets and liabilities:
i. Rupiah 76.975 - - - - 76.975 91.221 17 - - - 91.238 Decrease (increase) in operating assets: B. Interest Rate Related
ii. Foreign currencies - - - - - - - - - - - - Fair value through profit or loss securities (749.926 ) (13.966.343 ) 1. Forward - - - - -
c. Restructured loans Fair value through profit or loss government bonds 2.184.785 (949.624 ) 2. Option
i. Rupiah - - - - - - - - - - - - Acceptance Receivable 1 (284.567 ) a. Written - - - - -
Derivative Receivable - (63.869 ) b. Purchased - - - - -
ii. Foreign currencies - - - - - - - - - - - - Loans and sharia financing/receivables (16.973.567 ) (20.017.784 ) 3. Future - - - - -
8. Investments in shares - - - - - - - - - - - - Other assets (1.795.812 ) (2.682.152 ) 4. Swap - - - - -
9. Other receivable - - - - - - - - - - - - Increase (decrease) in operating liabilities: 5. Others - - - - -
10. Commitments and contingencies Current liabilities 105.719 843.383 C. Others - - - - -
a. Rupiah - - - - - - - - - - - - Deposits from customer
b. Foreign currencies - - - - - - - - - - - - Demand deposits (9.349.760 ) 780.521 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
No. DESCRIPTION Time deposits 30.539.595 13.200.938 As of June 30, 2025
June 30, 2025 (Audited) June 30, 2024 (Unaudited) Deposits from other banks (9.488 ) 2.213.306 (% per annum)
Current Special Mention Sub Standard Doubtful Loss Total Current Special Mention Sub Standard Doubtful Loss Total Acceptance liabilities - 284.567
Other liabilities (59.233 ) (909.406 ) Prime Lending Rate
II. NON RELATED PARTIES Temporary syirkah funds 2.621.084 1.511.201
Business Segment
Net Cash provided (used in) by Operating Activities 9.374.228 (18.326.870 )
1. Penempatan pada bank lain Non MSME Loan MSME Loan
CASH FLOWS FROM INVESTING ACTIVITIES 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
2. Spot and derivative receivables/ forward Acquisition of fixed assets (479.020 ) (583.967)
Sale of fixed assets 1.155 - Prime Lending Rate 8,76% 8,90% 9,90% 10,48% 13,75% 8,04% 10,80%
a. Rupiah 40 - - - - 40 - - - - - - Receipt (purchase) of amortized cost government bonds 1.431.307 4.092.252
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 :
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 government bonds (989.584 ) (474.005) 1) The above interim consolidated financial information has been derived from the consolidated financial statements of PT Bank
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 by the Public Accounting Firm Purwanto, Susanti & Surja (“PSS”) (a member firm of Ernst & Young Global Limited), with
Net Cash used in Investing Activities (3.080.112 ) 3.561.337
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.
5. Securities purchased with agreement Proceeds of securities issued - 162.437
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 - - - - - - “Transparency and Published Financial Statements of The Banks”
Payment from fund borrowings (1.745.586 ) (6.513.038 ) 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) of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy Ratio for The Commercial Banks”.
Net Cash Provided by (used in) Financing Activities (11.137.477 ) (2.125.742 )
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
Cash 1.706.034 1.558.429 Published Financial Statements
c. Restructured loans Current accounts with Bank Indonesia 15.205.849 15.952.471
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 3) Related Parties in the Statements of Assets’ Quality and Other Information are presented in accordance with Bank Indonesia
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
Names mentioned 29 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.1 ×8
unresolved
org
PT Bank Placement
p.1
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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