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20250801_BCAP_Laporan Informasi dan Fakta Material_31929245_lamp2.pdf

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Page 1
                                           H1-2025 Performance :
                                           BCAP Sustains Growth Momentum,
                                           Revenue Jumps 22.3%

Jakarta, August 1, 2025 – PT MNC Kapital Indonesia Tbk (IDX: BCAP) reported solid financial results for the first half of
2025 (H1-2025), recording consolidated revenue of Rp1.87 trillion, a 22.3% year-on-year (yoy) jump compared to
H1-2024. Interest and dividends remained the primary revenue drivers, contributing 55.8% to total revenue, amounting
to Rp1.04 trillion, up 9.5% yoy from Rp951.1 billion in H1-2024.
Other BCAP’s revenue streams included net premium income, which skyrocketed by 129.5% yoy from Rp225.1 billion in
H1-2024 to Rp516.5 billion in H1-2025, representing a 27.7% contribution to total revenue. This was followed by digital
income of Rp182.4 billion, capital market income of Rp84.6 billion, sharia financing lease income of Rp18.6 billion, and
other operating income of Rp21.9 billion as of the end of June 2025.
In H1-2025, the Company’s net income rose to Rp107.1 billion, with net income attributable to the owners of the
company reaching Rp91.8 billion.
On the balance sheet side, BCAP’s total consolidated assets rose to Rp30.0 trillion as of June 30, 2025, compared to
Rp29.5 trillion as of December 31, 2024. Total consolidated liabilities increased to Rp24.0 trillion at the end of June 2025
from Rp22.3 trillion at the end of December 2024. In H1-2025, total equity stood at Rp6.0 trillion, compared to
Rp7.2 trillion in FY-2024.

    H1-2025 FINANCIAL HIGHLIGHTS                                           H1-2025 REVENUE CONTRIBUTION
   in million Rupiah                       H1-2025         H1-2024
   Profit or Loss
   Revenues                                 1,865,229       1,524,959
         Interest and dividends                1,041,181        951,126
         Net premium income                   516,546         225,053
         Digital income                        182,375          176,061
         Capital market income                  84,643          124,777
         Syariah financing lease income           18,621         16,454
         Other operating income                  21,863          31,488
   Income before tax                            108,414        108,250
   Net income                                    107,101       102,933
   Net income attributable to:
    - Owners of the company                    91,762           91,771
    - Non-controlling interests                15,339            11,162
   Comprehensive income (loss)                114,246         (2,776)
   Comprehensive income (loss)
   attributable to:
    - Owners of the company                    97,195         (3,409)
    - Non-controlling interests                 17,051            633     From a business unit perspective, MNC Bank
   Earning per share (in full Rupiah)             2.15            2.15    delivered the largest contribution at 44.8% in
                                                                          H1-2025, followed by MNC Life at 27.0%, MNC
   in million Rupiah                       H1-2025         FY-2024
                                                                          Insurance at 8.4%, MNC Finance at 5.8%, MNC
   Financial Position
                                                                          Sekuritas at 5.7%, MNC Leasing at 4.3%, MNC
   Total Assets                           29,986,398       29,455,830
   Total Liabilities                      24,039,989       22,283,273     Teknologi Nusantara at 3.1%, FM Digital Solution
   Total Equity                            5,946,409         7,172,557    at 0.5%, and MNC Asset Management at 0.3%.


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   BUSINESS UPDATE
                                                             BCAP, in partnership with iNews Media Group, has established
                                                             a strategic collaboration with PT Mitra Pedagang Indonesia
                                                             Tbk (MPStore) to broaden access to financial services and
                                                             accelerate the digitalization of millions of Micro, Small, and
                                                             Medium Enterprises (MSMEs) across Indonesia. This
                                                             collaboration is expected to pave the way for improved
                                                             business capacity and income growth for MSME players,
                                                             particularly traditional shop and merchant segments. BCAP is
                                                             fully committed to supporting the MPStore ecosystem with
                                                             a comprehensive suite of end-to-end digital financial
                                                             services, including financing and income-generating
                                                             opportunities for MPStore partners.

As part of its commitment to expanding access to inclusive, innovative, and impactful digital banking services for the
wider public, MNC Kapital’s banking subsidiary, PT Bank MNC Internasional Tbk (IDX: BABP), has entered into a
partnership with Perumda BPR Bank Kota Bogor. Through the Motion white-label collaboration, BABP will provide a
digital financial services platform for BPR Bank Kota Bogor, offering services such as Virtual Accounts, Retail APIs,
co-branded products, e-Money top-ups, QRIS, and various other digital banking solutions.
In the first half of 2025, BABP secured an "irA" credit rating from PT Kredit Rating Indonesia, reflecting strong capability in
meeting financial obligations and reaffirming that MNC Bank’s long-term growth strategy remains on track.
Meanwhile, PT MNC Teknologi Nusantara (MTN), the financial technology company operating MotionPay and the
FlashMobile payment gateway, continues to strengthen its B2B market penetration through an expanding network of
partnerships. As of the first half of 2025, MTN recorded a transaction volume of 427.2 million, marking a significant surge
from the same period last year.
PT MNC Sekuritas, through its flagship application MotionTrade, offers a wide range of investment services, including
stock trading, 170 mutual fund products from 36 investment managers, as well as bonds, warrants, and ETFs.
Cementing its position as one of the leading players in the retail securities market, PT MNC Sekuritas served over
225,000 customers as of June 2025. The total value of stock transactions through the MotionTrade platform grew
significantly by 54% yoy in H1-2025. Additionally, mutual fund Assets Under Management (AUM) on MotionTrade rose
by 91% yoy in H1-2025.
In the insurance group, PT MNC Life Assurance (MNC Life) expanded its reach into Eastern Indonesia through strategic
partnerships with PT Bank Pembangunan Daerah Sulawesi Utara dan Gorontalo (Bank SulutGo) and PT Bank
Pembangunan Daerah Sulawesi Tenggara (Bank Sultra) to provide Credit Life Insurance products to customers. As of
June 2025, MNC Life recorded robust growth, with Gross Written Premiums (GWP) soaring by 157% yoy compared to
H1-2024. Alongside this outstanding business performance, MNC Life was honored with the Best Life Insurance Award
at the 14th Infobank–Isentia Digital Brand Appreciation 2025, recognizing its success in strengthening digital brand
presence. Moreover, PT MNC Asuransi Indonesia (MNC Insurance) received the MAIPARK Award 2025 by PT Reasuransi
MAIPARK Indonesia for its contribution to bolstering Indonesia’s resilience against natural disaster risks.




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For further information, please contact:                         PT MNC Kapital Indonesia Tbk
  Gladys Levina                                                  MNC Bank Tower 21/F, MNC Center
  gladys.levina@mncgroup.com                                     Jl. Kebon Sirih Kav 21-27, Menteng
  ir.bcap@mncgroup.com                                           Central Jakarta 10340, Indonesia
                                                                 Phone : +6221 2970 9700
                                                                 www.mncfinancialservices.com


DISCLAIMER
By accepting this Press Release, you agree to be bound by the restrictions set out below. Any failure to comply with
these restrictions may constitute a violation of applicable securities laws.
The information and opinions contained in this Press Release have not been independently verified, and no
representation or warranty, expressed or implied, is made as to, and no reliance should be placed on the fairness,
accuracy, completeness or correctness of, the information or opinions contained herein. It is not the intention to
provide, and you may not rely on this Press Release as providing, a complete or comprehensive analysis of the
condition (financial or other), earnings, business affairs, business prospects, properties or results of operations of The
Company or its subsidiaries. The information and opinions contained in this Press Release are provided as at the date of
this presentation and are subject to change without notice. Neither The Company (including any of its affiliates,
advisors and representatives) nor the underwriters (including any of their respective affiliates, advisors or
representatives) shall have any responsibility or liability whatsoever (in negligence or otherwise) for the accuracy or
completeness of, or any errors or omissions in, any information or opinions contained herein nor for any loss
howsoever arising from any use of this Press Release.
In addition, the information contained in this Press Release contains projections and forward-looking statements that
reflect The Company’s current views with respect to future events and financial performance. These views are based
on a number of estimates and current assumptions which are subject to business, economic and competitive
uncertainties and contingencies as well as various risks and these may change over time and in many cases are
outside the control of The Company and its directors. No assurance can be given that future events will occur, that
projections will be achieved, or that The Company’s assumptions are correct. Actual results may differ materially from
those forecasts and projected.
This Press Release is not and does not constitute or form part of any offer, invitation or recommendation to purchase
or subscribe for any securities and no part of it shall form the basis of or be relied upon in connection with any
contract, commitment or investment decision in relation thereto.




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Names mentioned 15 people and organisations named in the text · linked when the evidence is strong

linked org MNC Kapital Indonesia Tbk p.1 ×5
linked org Mitra Pedagang Indonesia Tbk p.2 ×2
linked org Bank MNC Internasional Tbk p.2 ×2
unresolved org Bank Earning p.1
unresolved org Bank Kota Bogor. Through p.2
unresolved org Bank Kota Bogor p.2
unresolved org PT MNC Teknologi Nusantara p.2
unresolved org PT MNC Sekuritas p.2 ×2
unresolved org PT MNC Life Assurance p.2
unresolved org PT Bank Pembangunan Daerah Sulawesi Utara p.2
unresolved org Bank SulutGo p.2
unresolved org PT Bank Pembangunan Daerah Sulawesi Tenggara p.2
unresolved org Bank Sultra p.2
unresolved org PT MNC Asuransi Indonesia p.2
unresolved org PT Reasuransi MAIPARK Indonesia p.2

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