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Page 1
STATEMENTS OF FINANCIAL POSITION
PT Bank Tabungan Negara (Persero) Tbk
As of June 30, 2026 and December 31, 2025
(In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED
NO ACCOUNTS June 30, 2026 December 31, 2025 June 30, 2026 December 31, 2025
(Unaudited) (Audited) (Unaudited) (Audited)
ASSETS
1 Cash 1,716,888 2,032,540 1,855,344 2,154,839
2 Placements with Bank Indonesia 19,802,637 35,499,625 23,631,351 46,727,811
3 Placements with other banks 1,900,464 2,515,779 1,900,633 2,515,971
4 Spot and derivative receivables/forward 1,126 - 1,126 -
5 Securities 50,958,438 53,320,577 65,651,848 59,746,562
6 Securities sold under repurchase agreements (Repo) 6,152,928 413,096 6,152,928 413,096
7 Securities purchased under resale agreements (Reverse Repo) 8,460,772 1,683,840 8,460,772 1,683,840
8 Acceptances receivables 790,390 574,901 790,390 574,901
9 Loans 358,504,060 345,702,924 358,504,060 345,702,924
10 Sharia financing - - 59,607,104 54,873,163
11 Investment in share 7,188,001 7,188,001 29 29
12 Others financials assets 14,674,029 12,183,538 15,233,554 12,446,184
13 Allowance for impairment on financial assets -/-
a Securities (10) (52) (10) (52)
b Loans and Sharia financing (13,796,051) (13,959,557) (15,193,573) (15,314,236)
c Others (3,312) (2,171) (3,312) (2,174)
14 Intangible assets 883,358 782,364 1,420,783 1,319,789
Accumulated amortisation for intangible assets -/- (120,150) (58,290) (128,634) (66,521)
15 Premises and equipment 16,117,658 15,714,662 16,353,176 15,950,513
Accumulated depreciation on premises and equipment -/- (5,557,746) (5,253,682) (5,752,537) (5,441,785)
16 Non earning assets
a Abandoned properties 353 353 353 353
b Repossessed assets 77,591 77,591 77,591 77,591
c Suspense account - - - -
d Inter office assets - - - -
17 Other assets 5,718,423 4,046,612 6,598,350 4,430,622
TOTAL ASSETS 473,469,847 462,462,651 545,161,326 527,793,420
Page 2
STATEMENTS OF FINANCIAL POSITION
PT Bank Tabungan Negara (Persero) Tbk
As of June 30, 2026 and December 31, 2025
(In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED
NO ACCOUNTS June 30, 2026 December 31, 2025 June 30, 2026 December 31, 2025
(Unaudited) (Audited) (Unaudited) (Audited)
ASSETS
LIABILITIES AND EQUITY
LIABILITIES
1 Demand deposits 137,176,599 142,343,618 166,954,346 169,242,419
2 Savings deposits 38,207,489 35,205,257 45,832,661 43,884,181
3 Time deposits 196,144,312 201,163,224 220,214,582 224,271,277
4 Electronic money - - - -
5 Fund from Bank Indonesia - - 500,292 -
6 Fund from other banks 660,994 96,481 698,411 122,917
7 Spot and derivative liabilities/forward 408 - 408 -
8 Securities sold under repurchase agreements (Repo) 6,164,036 349,076 6,164,036 349,076
9 Acceptances liabilities 790,390 574,901 790,390 574,901
10 Securities issued 5,567,718 5,630,321 5,899,427 5,977,216
11 Fund borrowings 46,136,397 35,181,566 54,763,016 41,491,851
12 Margin deposits received 12,483 10,735 12,525 10,775
13 Inter office liabilities - - - -
14 Other liabilities 4,983,637 5,541,566 5,773,446 5,658,514
15 Minority interest - - 18 18
TOTAL LIABILITIES 435,844,463 426,096,745 507,603,558 491,583,145
EQUITY
16 Share capital
a Authorised capital 10,239,216 10,239,216 10,239,216 10,239,216
b Unpaid-in capital -/- (3,221,994) (3,221,994) (3,221,994) (3,221,994)
c Treasury stock -/- - - - -
17 Additional Paid-in Capital
a Agio 4,418,900 4,418,900 4,418,900 4,418,900
b Disagio -/- - - - -
c Funds for paid-up capital - - - -
d Others 293,406 293,406 - -
18 Other comprehensive income
a Gain 3,988,158 3,988,158 3,997,858 4,049,670
b Losses -/- (1,869,620) (1,170,911) (2,173,818) (1,170,911)
19 Reserve
a General reserve 4,621,242 4,621,242 4,621,242 4,621,242
b Appropriated reserve 845,270 845,270 845,270 845,270
20 Retained Earning
a Previous years 16,352,619 13,679,561 16,428,882 13,679,561
b Current year 1,958,187 3,424,891 2,402,212 3,501,154
c Paid Dividend -/- - (751,833) - (751,833)
TOTAL EQUITY ATTRIBUTABLE TO OWNER 37,625,384 36,365,906 37,557,768 36,210,275
37,625,384 36,365,906 37,557,768 36,210,275
TOTAL EQUITY
TOTAL LIABILITIES AND EQUITY 473,469,847 462,462,651 545,161,326 527,793,420
Page 3
STATEMENTS OF INCOME AND OTHER COMPREHENSIVE
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended June 30, 2026 and 2025
(In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED
NO ACCOUNTS June 30, 2026 June 30, 2025 * June 30, 2026 June 30, 2025 *
(Unaudited) (Audited) (Unaudited) (Audited)
OPERATING INCOME AND EXPENSES
A. Interest Income and Expenses
1 Interest income 13,981,883 18,496,217 16,314,972 18,500,569
2 Interest expenses 6,780,562 9,153,596 7,719,752 9,153,572
Net interest income (Expenses) 7,201,321 9,342,621 8,595,220 9,346,997
B. Operating Income and Expenses Other than Interest
1 Gain (loss) from increase (decrease) in fair value of financial assets 31,174 208,664 23,759 208,580
2 Gain (loss) from decrease (increase ) in fair value of financial liabilities - - - -
3 Gain (loss) from sale of financial assets 240,022 479,728 274,900 479,728
4 Gain (Loss) from spot and derivative transaction/forward (realised) 89,028 43,435 89,028 43,436
5 Gain (Loss) from investment in shares under equity method - - - -
6 Gain (Losses) from foreign currencies translation - - - -
7 Dividend Income - - - -
8 Comissions/provisions/fees and administrative 712,767 711,237 792,271 711,198
9 Other income 655,416 461,666 659,350 459,835
10 Impairment for financial assets 1,159,329 3,656,970 1,414,729 3,656,970
11 Losses related to operational risk 21,335 - 21,335 -
12 Salaries and employee benefits 2,040,886 2,271,877 2,378,815 2,273,536
13 Promotion expenses 274,110 305,117 303,673 305,119
14 Other expenses 2,943,957 2,845,822 3,233,933 2,846,922
Other Operating Income (Expenses) (4,711,210) (7,175,056) (5,513,177) (7,179,770)
PROFIT (LOSS) FROM OPERATIONS 2,490,111 2,167,565 3,082,043 2,167,227
NON OPERATING INCOME AND EXPENSES
1 Gain (loss) from sale of premises and equipment 1,299 938 1,299 938
2 Other non operating income (expenses) (70,907) (38,154) (84,157) (37,786)
PROFIT (LOSS) FROM NON OPERATING (69,608) (37,216) (82,858) (36,848)
PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 2,420,503 2,130,349 2,999,185 2,130,379
Income tax expenses
a Estimated current tax -/- (98,494) - (233,151) (664)
b Deferred tax income (expenses) (363,822) (423,961) (363,822) (423,326)
PROFIT (LOSS) CURRENT PERIOD 1,958,187 1,706,388 2,402,212 1,706,389
PROFIT (LOSS) MINORITY INTEREST - - - -
OTHER COMPREHENSIVE INCOME
1 Unreclassified to profit (loss)
a Gain (loss) from revaluation of premises and equipment - 77,163 - 77,163
b Gain (loss) from remeasurement on defined benefit plans 326,275 84,426 338,676 84,426
c Others (61,992) (16,041) (64,348) (16,041)
2 Reclassified to profit (loss)
a Gain (losses) from adjustments arising from translation of financial statement - - - -
b Gain (losses) from changes of financial assets on available for sale (1,192,720) 244,940 (1,644,640) 244,940
c Others 229,728 9,065 315,593 9,065
OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX (698,709) 399,553 (1,054,719) 399,553
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 1,259,478 2,105,941 1,347,493 2,105,942
Current Year Net Profit (Loss) Attributable to :
- Owner of Company 1,958,187 1,706,388 2,402,212 1,706,389
- Non Controlling Interest - - - -
TOTAL CURRENT YEAR NET PROFIT (LOSS) 1,958,187 1,706,388 2,402,212 1,706,389
Total Comprehensive Profit (Loss) For The Year Attributable to:
- Owner of Company 1,259,478 2,105,941 1,347,493 2,105,942
- Non Controlling Interest - - - -
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 1,259,478 2,105,941 1,347,493 2,105,942
TRANSFER PROFIT (LOSS) TO HEAD OFFICE - - - -
DIVIDEND - - - -
EARNINGS PER SHARE (in rupiah) 140 122 171 122
* BTN's Profit and Loss and Other Comprehensive Income as of June 30, 2025, still includes the Sharia Business Unit (UUS) Profit.
The separation of the Bank's UUS will be effective on December 22, 2025, based on the approval of the Minister of Law and Human Rights regarding the Amendment to BSN's
Articles of Association, as stated in Letter No. AHU-AH.01-446 of 2025 dated December 15, 2025.
Page 4
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
PT Bank Tabungan Negara (Persero) Tbk
As of June 30, 2026 and December 31, 2025
(In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED
NO ACCOUNTS June 30, 2026 December 31, 2025 June 30, 2026 December 31, 2025
(Unaudited) (Audited) (Unaudited) (Audited)
I. COMMITMENT RECEIVABLES
1 Unused fund borrowings/financing facilities - - - -
2 Outstanding purchase position on spot and derivative/forward 904,928 - 904,928 -
3 Others - - - -
II. COMMITMENT PAYABLES
1 Unused loan facilities granted to customer
a Committed 48,419 206,428 48,419 206,428
b Uncommitted 19,843,285 19,260,697 20,911,808 20,737,126
2 Outstanding irrevocable letters of credit 397,579 211,017 397,579 211,017
3 Outstanding sales position on spot and derivative/forward 904,171 - 904,171 -
4 Others 15,355 15,018 15,355 15,018
III. CONTINGENT RECEIVABLES
1 Guarantees received 4,900,404 4,344,026 4,900,404 4,344,026
2 Others 15,161,841 13,957,839 16,384,478 15,165,304
IV. CONTINGENT PAYABLES
1 Guarantees issued 6,306,091 5,741,994 6,306,229 5,742,151
2 Others - - - -
Page 5
Statements of Assets’ Quality and Other Information
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended June 30, 2026 and 2025
(In Millions of Rupiah)
INDIVIDUAL
June 30, 2026 June 30, 2025 *
NO ACCOUNTS (Unaudited) (Audited)
Special
Current Sub Standard Doubtful Loss Total Current Special Mention Sub Standard Doubtful Loss Total
Mention
I. RELATED PARTIES
1. Placements with other banks
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
2. Spot and derivative receivables/ forward
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
3. Securities
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
6. Acceptances receivables - - - - - - - - - - - -
7. Loans and financing provided
a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM)
i Rupiah - - - - - - - - - - - -
ii Foreign currencies - - - - - - - - - - - -
b. Bukan debitur UMKM
i Rupiah 88,587 - - - - 88,587 76,975 - - - - 76,975
ii Foreign currencies - - - - - - - - - - - -
c. Kredit yang direstrukturisasi
i Rupiah - - - - - - - - - - - -
ii Foreign currencies - - - - - - - - - - - -
8. Investments in shares - - - - - - - - - - - -
9 Other receivable - - - - - - - - - - - -
10 Commitments and contingencies
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
* BTN's Productive Asset Quality and Other Information as of June 30, 2025, still includes the Productive Asset Quality of the Sharia Business Unit (UUS).
The separation of the Bank's UUS will be effective on December 22, 2025, based on the approval of the Minister of Law and Human Rights regarding the Amendment to the BSN Articles of Association, as stated in Letter No. AHU-AH.01-446 of 2025 dated December 15, 2025.
Page 6
INDIVIDUAL
June 30, 2026 June 30, 2025 *
NO ACCOUNTS (Unaudited) (Audited)
Special
Current Sub Standard Doubtful Loss Total Current Special Mention Sub Standard Doubtful Loss Total
Mention
II. NON RELATED PARTIES
1. Placements with other banks
a. Rupiah 136,936 - - - - 136,936 740,867 - - - - 740,867
b. Foreign currencies 1,761,401 - - - 2,127 1,763,528 1,838,907 - - - 1,987 1,840,894
2. Spot and derivative receivables/ forward
a. Rupiah 143 - - - - 143 40 - - - - 40
b. Foreign currencies 983 - - - - 983 356 - - - - 356
3. Securities
a. Rupiah 41,777,591 27,505 2,887 4,528 58,426 41,870,937 49,159,613 38,535 4,611 6,630 58,525 49,267,914
b. Foreign currencies 9,087,501 - - - - 9,087,501 9,836,185 - - - - 9,836,185
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah 6,152,928 - - - - 6,152,928 - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah 8,460,772 - - - - 8,460,772 1,954,805 - - - - 1,954,805
b. Foreign currencies - - - - - - - - - - - -
6. Acceptances receivables 790,390 - - - - 790,390 622,813 - - - - 622,813
7. Loans and financing provided
a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM)
i Rupiah 7,858,804 144,541 11,473 83,748 450,106 8,548,672 6,958,839 262,400 15,803 51,209 659,916 7,948,167
ii Foreign currencies - - - - - - - - - - - -
b. Bukan debitur UMKM
i Rupiah 301,771,968 35,147,387 413,261 752,423 9,145,806 347,230,845 315,161,600 39,430,332 960,901 1,543,654 9,248,319 366,344,806
ii Foreign currencies 2,635,956 - - - - 2,635,956 1,740,467 - - - - 1,740,467
c. Kredit yang direstrukturisasi
i Rupiah 24,065,790 27,123,267 309,132 459,577 6,215,282 58,173,048 23,525,307 26,421,146 525,435 957,985 6,496,241 57,926,114
ii Foreign currencies - - - - - - - - - - - -
8. Investments in shares 7,188,001 - - - - 7,188,001 1,629,762 - - - - 1,629,762
9 Other receivable - - - - - - - - - - - -
10 Commitments and contingencies
a. Rupiah 22,244,910 256,536 - - 376,698 22,878,144 16,619,260 628,694 14,905 5,197 148,860 17,416,916
b. Foreign currencies 3,702,163 - - - 30,422 3,732,585 651,438 - - - - 651,438
III. OTHER INFORMATION
1. Value of bank’s assets pledge as collateral:
a. To Bank Indonesia - -
b. To others - -
2. Repossessed assets 77,591 77,591
* BTN's Productive Asset Quality and Other Information as of June 30, 2025, still includes the Productive Asset Quality of the Sharia Business Unit (UUS).
The separation of the Bank's UUS will be effective on December 22, 2025, based on the approval of the Minister of Law and Human Rights regarding the Amendment to the BSN Articles of Association, as stated in Letter No. AHU-AH.01-446 of 2025 dated December 15, 2025.
Page 7
Losses and Allowance for Asset Quality Assessment
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended June 30, 2026 and 2025
(In Millions of Rupiah)
INDIVIDUAL
June 30, 2026 June 30, 2025 *
(Unaudited) (Audited)
NO ACCOUNTS
Required allowance for Required allowance for
Allowance for Impairment Allowance for Impairment
losses on earning assets losses on earning assets
Stage 1 Stage 2 Stage 3 General Special Stage 1 Stage 2 Stage 3 General Special
1. Placements with other banks 1 - 2,127 18,983 2,127 6 - 1,987 22,798 1,987 (3,709,504)
2. Spot and derivative receivables/forward - - - 11 - - - - 4 -
3. Securities 10 - - 67,272 62,498 17 - - 168,834 64,459
4. Securities sold with agreement to repurchase (Repo) - - - - - - - - - -
5. Securities purchased with agreement to resell (Reverse Repo) - - - - - - - - - -
6. Acceptances receivables 1,184 - - 7,836 - 36 - - 6,212 -
7. Loans and financing provided 1,697,068 5,246,650 6,852,333 3,031,167 6,358,375 2,846,767 4,053,609 7,456,331 3,173,405 5,455,091
8. Investments in shares - - - 71,880 - - - - 16,279 - -
9. Other receivable - - - - - - - - - -
10. Commitments and contingencies 364 2 - 62,966 407,120 2,819 - 27 55,231 154,447 66,468
* BTN's Allowance for Impairment Losses and Provision for Asset Quality Assessment as of June 30, 2025, still included the Sharia Business Unit (UUS).
The separation of the Bank's UUS will be effective on December 22, 2025, based on the approval of the Minister of Law and Human Rights regarding the Amendment to BSN's Articles of Association, as stated in Letter No. AHU-AH.01-446 of 2025 dated December 15, 2025.
Page 8
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended June 30, 2026 and 2025
(In Millions of Rupiah)
June 30, 2026 June 30, 2025
CAPITAL COMPONENTS (Unaudited) (Audited)
INDIVIDUAL CONSOLIDATED INDIVIDUAL * CONSOLIDATED
I CORE CAPITAL (TIER 1) 29,725,165 36,627,437 29,643,033 30,740,877
1 Common Equity Tier 1 (CET 1) 27,725,165 34,627,437 29,643,033 30,740,877
1.1 Paid-in Capital (net of Treasury Stock) 7,017,222 7,017,222 7,017,222 7,017,222
1.2 Disclosed Reserves 29,706,469 29,922,205 26,344,929 26,344,929
1.2.1 Additional Factor 31,339,106 31,859,394 27,321,989 27,321,989
1.2.1.1 Other comprehensive income 3,988,158 3,988,158 3,642,936 3,642,936
1.2.1.1.1 Excess differences arising from translation of financial statement - - - -
1.2.1.1.2 Potential gain due to increases of fair value of financial asset through other comprehensive income - - - -
1.2.1.1.3 Surplus of fixed assets revaluation 3,988,158 3,988,158 3,642,936 3,642,936
1.2.1.2 Other disclosed reserves 27,350,948 27,871,236 23,679,053 23,679,053
1.2.1.2.1 Agio 4,418,900 4,418,900 4,418,900 4,418,900
1.2.1.2.2 General reserves 4,621,242 4,621,242 4,621,242 4,621,242
1.2.1.2.3 Previous year profit 16,352,619 16,428,882 12,932,522 12,932,522
1.2.1.2.4 Current year profit 1,958,187 2,402,212 1,706,389 1,706,389
1.2.1.2.5 Funds for paid-in capital - - - -
1.2.1.2.6 Others - - - -
1.2.2 Deduction Factor (1,632,637) (1,937,189) (977,060) (977,060)
1.2.2.1 Other comprehensive income (1,554,693) (1,859,245) (898,059) (898,059)
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 (1,554,693) (1,859,245) (898,059) (898,059)
1.2.2.2 Other disclosed reserves (77,944) (77,944) (79,001) (79,001)
1.2.2.2.1 Disagio - - - -
1.2.2.2.2 Previous year loss - - - -
1.2.2.2.3 Current year loss - - - -
1.2.2.2.4 Negative difference in allowance for possible losses and allowance for impairment on earning assets
1.2.2.2.5 Negative difference in adjusment amounts from fair value of financial assets in trading book - - - -
1.2.2.2.6 Required allowance for non earning assets - - - -
1.2.2.2.7 Others (77,944) (77,944) (79,001) (79,001)
- - - -
1.3 Non Controlling Interest - - - -
1.4 Deduction Factor of CET 1 (8,998,526) (2,311,990) (3,719,118) (2,621,274)
1.4.1 Deferred tax calculation (1,047,317) (1,019,812) (1,785,739) (1,786,374)
1.4.2 Goodwill - (527,705) - (527,705)
1.4.3 Other intangible assets (763,208) (764,444) (305,448) (307,195)
1.4.4 Investments in share (7,188,001) (29) (1,627,931) -
1.4.5 Shortfall of capital on insurance subsidiaries - - - -
1.4.6 Securitisation exposure - - - -
1.4.7 Other deduction of CET 1 - - - -
1.4.7.1 Placement of funds in instrumen AT 1 and/or Tier 2 to other bank - - - -
1.4.7.2 Cross-ownership in another entity acquired by the transition due to law, grants, or grants will - - - -
1.4.7.3 Exposure that give rise to credit risk due the settlement (settlement risk) - Non Delivery Versus Payment - - - -
1.4.7.4 Exposures in subsidiaries that to business activity based on sharia principle - - - -
2 Additional Tier 1 (AT 1) 2,000,000 2,000,000 - -
2.1 Instrument which comply with AT 1 requirements 2,000,000 2,000,000 - -
2.2 Agio / Disagio - - - -
2.3 Deduction Factor of AT 1 - - - -
2.3.1 Placements of fund in instrument AT 1 and/or Tier 2 to other bank - - - -
2.3.2 Cross ownership in another entity acquired by the transition due to law, grants or grants will - - - -
II SUPPLEMENTAL CAPITAL (TIER 2) 3,877,981 4,102,242 2,474,028 2,474,438
1 Capital instrument in the form of stock or other which comply with Tier 2 requirements 1,866,667 1,866,667 400,000 400,000
2 Agio/Disagio - - - -
3 General provision on earning assets (max. 1.25% credit risk - weighted assets) 2,011,314 2,235,575 2,074,028 2,074,438
4 Deduction supplemental capital - - - -
4.1 Sinking Fund - - - -
4.2 Placement of funds in instrumen Tier 2 to other bank - - - -
4.3 Cross-ownership in another entity acquired by the transition due to law, grants, or grants will - - - -
TOTAL CORE AND SUPPLEMENTAL CAPITAL 33,603,146 40,729,679 32,117,061 33,215,315
June 30, 2026 June 30, 2025 June 30, 2026 June 30, 2025
(Unaudited) (Audited) (Unaudited) (Audited)
INDIVIDUAL CONSOLIDATED INDIVIDUAL * CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL * CONSOLIDATED
RISK WEIGHTED ASSETS CAR RATIO
CREDIT RISK -WEIGHTED ASSETS 159,791,142 177,328,545 164,608,727 164,641,956 CET 1 Ratio (%) 14.77% 17.04% 15.63% 16.20%
MARKET RISK -WEIGHTED ASSETS 5,675,345 5,845,956 4,715,877 4,715,877 Tier 1 Ratio (%) 15.83% 18.03% 15.63% 16.20%
OPERATIONAL RISK - WEIGHTED ASSETS 22,301,567 20,016,225 20,388,527 20,388,527 Tier 2 Ratio (%) 2.07% 2.02% 1.30% 1.30%
TOTAL RISK WEIGHTED ASSETS 187,768,054 203,190,726 189,713,131 189,746,360 Capital Adequacy Ratio (%) 17.90% 20.05% 16.93% 17.51%
CAR BASED ON RISK PROFILE (%) 9.25% 9.25% 9.33% 9.33% CET 1 for Buffer (%) 7.58% 9.81% 7.60% 8.18%
CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FILLED BY BANK (%)
From CET1 (%) 7.18% 7.23% 8.03% 8.03% Capital Conservation Buffer (%) 2.500% 2.500% 2.500% 2.500%
From AT1 (%) 0.00% 0.00% 0.00% 0.00% Countercyclical Buffer (%) 0.000% 0.000% 0.000% 0.000%
From Tier 2 (%) 2.07% 2.02% 1.30% 1.30% Capital Surcharge for Systemic Bank (%) 1.000% 1.000% 1.000% 1.000%
* The calculation of BTN's Minimum Capital Adequacy Requirement (KPMM) as of June 30, 2025, remains within the Sharia Business Unit (UUS).
The separation of the Bank's UUS will be effective on December 22, 2025, based on the approval of the Minister of Law and Human Rights regarding the Amendment to BSN's Articles of Association, as stated in Letter No. AHU-AH.01-446 of 2025 dated December 15, 2025.
Page 9
STATEMENT OF CASH FLOWS
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended June 30, 2026 and 2025
(in Millions of Rupiah)
CONSOLIDATED
CASH FLOWS June 30, 2026 June 30, 2025
(Unaudited) (Audited)
CASH FLOWS FROM OPERATING ACTIVITIES
Interest, profit sharing, and margin 12,819,413 15,000,681
Recoveries from loan debts written-off 422,499 416,797
Interest and bonus, fees and commissions paid (7,816,436) (9,353,842)
Corporate income tax paid (188,204) (358,072)
Other operating (expense) - net (4,827,249) (3,811,140)
Other non-operating income - net 71,132 135,853
Cash receipts before changes in operating assets and liabilities 481,155 2,030,277
Changes in operating assets and liabilities:
Decrease (increase) in operating assets:
Fair value through profit or loss
securities (4,017,895) (749,926)
Fair value through profit or loss
government bonds (4,366,051) 2,184,785
Acceptance Receivable (215,489) 1
Derivative Receivable (1,126) -
Loans and sharia financing/receivables (16,691,710) (16,973,567)
Other assets (3,481,125) (1,795,812)
Increase (decrease) in operating liabilities:
Current liabilities 520,466 105,719
Deposits from customer
Demand deposits (5,262,478) (9,349,760)
Wadiah demand deposits 2,376,217 2,986,275
Savings deposits 3,002,232 (2,166,927)
Savings deposits Wadiah 191,465 11,205
Time deposits (5,025,698) 30,539,595
Deposits from other banks 561,369 (9,488)
Acceptance liabilities 215,489 -
Other liabilities (666,715) (59,233)
Temporary syirkah funds 326,097 2,621,084
Net Cash provided (used in) by Operating Activities (32,053,797) 9,374,228
CASH FLOWS FROM INVESTING ACTIVITIES
Acquisition of fixed assets (458,030) (479,020)
Sale of fixed assets - 1,155
Receipt (purchase) of amortized cost securities (101,861) 288,929
Receipt (purchase) of amortized cost government bonds (966,823) 1,431,307
Receipt (purchase) in fair value through other comprehensive income securities (519,318) 34,376
Receipt (purchase) in fair value through other comprehensive income government bonds (2,623,499) (989,584)
Receipt (placement) of securities purchased under agreement to resell (6,775,098) (1,827,208)
Acquisition of Subsidiary with Cash - (1,540,067)
Net Cash used in Investing Activities (11,444,629) (3,080,112)
CASH FLOWS FROM FINANCING ACTIVITIES
Payment of matured securities issued (79,489) (679,489)
Payments of dividends - (751,833)
Receipt from fund borrowings 17,349,602 333,591
Payment from fund borrowings (3,579,808) (1,745,586)
Proceeds from securities sold under repurchase agreements 50,023,340 28,427,367
Payments of matured securities sold under repurchase agreements (44,207,042) (31,836,205)
Payment of lease liabilities (19,469) (56,822)
Payment of subordinated borrowings - (4,828,500)
Net Cash Provided by (used in) Financing Activities 19,487,134 (11,137,477)
Page 10
STATEMENT OF CASH FLOWS
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended June 30, 2026 and 2025
(in Millions of Rupiah)
CONSOLIDATED
CASH FLOWS June 30, 2026 June 30, 2025
(Unaudited) (Audited)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS (24,011,292) (4,843,361)
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 51,398,620 35,458,390
CASH AND CASH EQUIVALENTS AT END OF PERIOD 27,387,328 30,615,029
The details of cash and cash equivalents at end of period are as follows:
Cash 1,855,344 1,706,034
Current accounts with Bank Indonesia 20,660,001 15,205,849
Current accounts with other banks 1,900,633 1,850,995
Placements with Bank Indonesia and other banks - maturing within
three months or less since the acquisition date 2,971,350 11,852,151
TOTAL OF CASH AND CASH EQUIVALENTS 27,387,328 30,615,029
Page 11
CALCULATION OF FINANCIAL RATIOS
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended June 30, 2026 and 2025
(in %)
INDIVIDUAL
RATIOS June 30, 2026 June 30, 2025 *
(Unaudited) (Audited)
PERFORMANCE RATIOS
1. Capital Adequacy Ratio (CAR) 17.90% 16.93%
2. Non performing earning assets and non earning assets to total earning assets and
non earning assets 2.48% 2.78%
3. Non performing earning assets to total earning assets 2.46% 2.77%
4. Allowance for impairment on financial assets to earning assets 3.23% 3.26%
5. NPL gross 3.03% 3.31%
6. NPL net 1.90% 1.89%
7. Return on Asset (ROA) 1.06% 0.91%
8. Return on Equity (ROE) 13.36% 11.82%
9. Net Interest Margin (NIM) 3.46% 4.39%
10. Operating Expenses to Operating Income 84.15% 89.39%
11. Cost to Income Ratio (CIR) 52.27% 47.81%
12. Loan to Deposit Ratio (LDR) 96.49% 92.36%
COMPLIANCE
1. a. Percentage violation of Legal Lending Limit
i. Related parties 0.00% 0.00%
ii. Non - Related parties 0.00% 0.00%
b. Percentage of excess of the Legal Lending Limit
i. Related parties 0.00% 0.00%
ii. Non - Related parties 0.00% 0.00%
2. Reserve requirement
a. Primary reserve requirement Rupiah
- Daily 1.63% 0.21%
- Average 5.10% 4.30%
b. Reserve requirement Foreign currencies (Daily) 4.53% 4.18%
3. Net Open Position - Overall 3.61% 1.19%
* BTN's financial ratio as of June 30, 2025, still includes the Sharia Business Unit (UUS).
The separation of the Bank's UUS will be effective on December 22, 2025, based on the Minister of Law's approval of the Amendment to
BSN's Articles of Association, as stated in Letter No. AHU-AH.01-446 of 2025 dated December 15, 2025.
Page 12
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
PT Bank Tabungan Negara (Persero) Tbk
As of June 30, 2026
(Unaudited)
(In Millions of Rupiah)
INDIVIDUAL
NO TRANSACTION
Type Derivative Receivables & Payables
Notional Amount
Trading Hedging Tagihan Liabilitas
A. Exchange Rate Related
1. Spot 558,518 - - 234 313
2. Forward - - - - -
3. Option - - - - -
a. Written - - - - -
b. Purchased
4. Future - - - - -
5. Swap 346,469 - - 849 13
6. Others - - - - -
B. Interest Rate Related
1. Forward - - - - -
2. Option
a. Written - - - - -
b. Purchased - - - - -
3. Future - - - - -
4. Swap - - - - -
5. Others 200,000 - - 43 82
C. Others
TOTAL 1,104,987 - - 1,126 408
Page 13
PRIME LENDING RATE
PT Bank Tabungan Negara (Persero) Tbk
As of June 30, 2026
(% per annum)
Prime Lending Rate
Business Segment
Description
Non MSME Loan MSME Loan
Mortgage Non Mortgage
Corporate Retail Medium Small Micro
Prime Lending Rate 8.50% 8.75% 9.80% 10.35% 13.65% 7.95% 10.65%
Page 14
Catatan :
1) The Interim Consolidated Financial Statements information above is taken from the Consolidated Financial Statements of
PT Bank Tabungan Negara (Persero) Tbk ("Bank") and its subsidiaries for the period ended June 30, 2026 and 2025
prepared by the Bank's management in accordance with Indonesian Financial Accounting Standards where the
Consolidated Financial Statements on the dates and years ended December 31, 2025 have been audited by the Public
Accounting Firm Purwanto Susanti and Surja ("PSS") (a member firm of Ernst & Young Global Limited) with partner in
charge Christophorus Alvin Kossim, independent auditor, based on Auditing Standards established by the Indonesian
Institute of Certified Public Accountants, with an unmodified audit opinion, as stated in its report dated February 10, 2026
which is not included in this publication. Because the above Consolidated Financial Statements information is taken from
the Audited Consolidated Financial Statements, therefore the information is not a complete presentation of the Audited
Consolidated Financial Statements.
2) The above published Financial Statements are presented to comply with:
a) Financial Services Authority Regulation (POJK) Number 37/POJK.03/2019 Dated December 19, 2019 regarding
“Transparency and Published Financial Statements of The Banks”
b) Circular Letter of Financial Services Authority (SEOJK) Number 9/SEOJK.03/2020 Dated June 30, 2020 regarding
“Transparency and Published Financial Statements of The Commercial Banks”.
c) Financial Services Authority Regulation (POJK) Number 27/POJK.03/2022 Dated December 26, 2022 on Second
Amendments of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy Ratio for The Commercial Banks” and
Financial Services Authority Regulation (POJK) Number 34/POJK.03/2016 Dated September 22, 2016 on
Amendments of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy Ratio for The Commercial Banks”.
d) Financial Services Authority Regulation (POJK) Number 14/POJK.04/2022 Dated August 18, 2022 regarding
“Submission of Periodic Financial Statements for Issuers or Public Companies”
e) Capital Market and Financial Institution Supervisory Agency (Bapepam-LK) Regulation Number VIII.G.7, Decision of
Chairman of Bapepam-LK Number KEP-347/BL/2012 Dated June 25, 2012 regarding “Presentation and Disclosure of
Periodic Financial Statements for Issuers or Public Companies”.
f) Circular Letter of Financial Services Authority Number S-2/PB.11/2020 dated January 20, 2020 regarding Changes to
Published Financial Statements
3) Related Parties in the Statements of Assets' Quality and Other Information are presented in accordance with Bank
Indonesia Regulation Number 7/3/PBI/2005 dated January 20, 2005 regarding the Amendment of Financial Services
Authority Regulation Number 38/POJK.03/2019 dated December 19, 2019 regarding the Amendment of Financial Services
Authority Regulation Number 32/POJK.03/2018 regarding The Legal Lending Limit and Provisions of Large Fund for
Commercial Banks.
4) Exchange rate of 1 US Dollar as at June 30, 2026, Desember 31, 2025, dan June 30, 2025 were Rp. 17.880,50 , Rp.
16.675,00 and Rp. 16.235,00 respectively.
5) Basic earnings per share is computed by dividing income for the year available to shareholders of ordinary shares (residual
income) by the weighted average number of ordinary shares outstanding during the current year.
Page 15
Management of The Bank
Board of Commissioner
President Commissioner : Suryo Utomo
Vice President Commissioner : Endra Gunawan *
Independent Commissioner : Panangian Simanungkalit
Independent Commissioner : Pietra Machreza Paloh
Independent Commissioner : Ida Nuryanti
Commissioner : Fahri Hamzah
Commissioner : Didyk Choiroel **
Board of Directors
President Director : Nixon L.P. Napitupulu
Vice President Director : Oni Febriarto Rahardjo
Director of Risk Management : Setiyo Wibowo
Director of Consumer Banking : Hirwandi Gafar
Director of Finance & Strategy : Nofry Rony Poetra
Director of Human Capital & Compliance : Eko Waluyo
Director of Network & Retail Funding : Rully Setiawan
Director of Operations : I Nyoman Sugiri Yasa
Director of Commercial Banking : Hermita
Director of Treasury & International Banking : Venda Yuniarti
Director of Information Technology : Tan Jacky Chen
Director of Corporate Banking : Helmy Afrisa Nugroho ***
Shareholder
Ultimate Shareholder
- Badan Pengaturan Badan Usaha Milik Negara (BP BUMN) : 0.60%
Non Ultimate Shareholder through Capital Market (≥ 5%) : Nihil
Non Ultimate Shareholder through non Capital Market (≥ 5%)
- PT Danantara Asset Management : 59.40%
* Appointed as a Vice President of Board of Commissioners of PT Bank Tabungan Negara (Persero) Tbk based on the Extraordinary
General Meeting of Shareholders dated April 23, 2026 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.
** Appointed as a member of Board of Commissioners of PT Bank Tabungan Negara (Persero) Tbk based on the Extraordinary General
Meeting of Shareholders dated January 7, 2026 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.
*** 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-322/PB.13/2026 dated April 29, 2026.
Jakarta, July 17, 2026
S.E. & O
PT BANK TABUNGAN NEGARA (PERSERO) Tbk
Board of Director
Nixon L.P. Napitupulu Nofry Rony Poetra
Direktur Utama Direktur Finance & Strategy
Names mentioned 27 people and organisations named in the text · linked when the evidence is strong
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Bank Indonesia
p.1 ×6
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Minister of Law and Human Rights
p.3 ×5
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Minister of Law's
p.11
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Young Global Limited
p.14
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Financial Services Authority
p.14 ×10
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Bapepam-LK
p.14 ×4
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Bank Indonesia Regulation
p.14
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Pengaturan Badan Usaha Milik Negara
p.15
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