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20250730_BABP_Laporan Informasi dan Fakta Material_31928700_lamp2.pdf
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MNC Bank’s Q2-2025 Performance:
Sustainable MNC
GrowthBank Kembali
in Loans and ThirdCatat Kinerja
Party Funds, NetPositif,
Profit Rises 41.50%
Laba Meningkat 34% di Q1-2025
Jakarta, July 31, 2025 – PT Bank MNC Internasional Tbk (IDX: BABP) or MNC Bank, a subsidiary of PT MNC Kapital
Indonesia Tbk (IDX: BCAP), a member of the MNC Group, delivered strong performance in Q2-2025. MNC Bank posted
a net profit of Rp41.71 billion until the second quarter of 2025, representing a notable 41.50% year-on-year (yoy)
increase from Rp29.48 billion recorded in the same period in 2024. Interest revenue rose to Rp773.37 billion, marking a
13.64% yoy increase from Rp680.53 billion in the previous year, while other operating revenue reached Rp73.05 billion,
supporting the overall growth in net profit. MNC Bank has shown its capacity to maximize non-interest income
streams, including fee-based income from transaction and loan services and treasury operations.
This excellent performance highlights the successful execution of the strategy, in preserving with MNC Bank's
commitment to consistently deliver positive growth throughout the period. Furthermore, as of June 2025, MNC Bank
recorded total assets of Rp21.06 trillion, a 15.68% yoy growth compared to the same period in 2024.
Rita Montagna – President Director of MNC Bank explained, “The increase in total assets in second quarter of 2025 was
primarily driven by a 7.83% yoy increase in Third Party Funds (TPF) to Rp14.86 trillion, up from Rp13.78 trillion in the
second quarter of 2024," said Rita. She added that as of June 2025, MNC Bank has disbursed Rp11.22 trillion in loans, up
5.63% from Rp10.62 trillion throughout the same period a year before, in line with Indonesia's banking loan growth,
which reached 7.78% in Q2-2025.
Q2-2025 BABP Financials Highlights
in million Rupiah Q2-2025 Q2-2024 %
Profit and Loss
Revenues
Interest Revenues 773,366 680,528 13.64%
Interest Expenses 494,684 410,238 20.58%
Net Interest Revenues 278,683 270,290 3.11%
Profit Before Tax 52,357 37,870 38.26%
Net Profit 41,713 29,478 41.50%
Balance Sheet
Total assets 21,056,972 18,202,174 15.68%
Total liabilities 17,349,494 14,588,857 18.92%
Total equity 3,707,478 3,613,317 2.61%
Specifically, the TPF acquisition consisted of deposits of Rp12.25 trillion, savings of Rp1.73 trillion, and current accounts of
Rp884 billion in Q2-2025. This affirms that, despite ongoing geopolitical uncertainties and macroeconomic pressures,
public trust in MNC Bank continues to strengthen.
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Meanwhile, on the lending side, MNC Bank's loan distribution was dominated by the Corporate-Commercial segment,
which stood at Rp9.62 trillion, followed by the Consumer segment, amounting to Rp1.60 trillion. The net non-
performing loan (NPL) ratio improved from 3.17% in the second quarter of 2024 to 3.01% in the second quarter of 2025
as a result of prudent and measured risk management execution.
Rita further commented that the robust net profit performance was driven by the Bank’s sustainable strategy focused
on strengthening both funding and lending ecosystems, "We ensure this level of accomplishment will persist in the
future. We continue to provide the best banking services for our customers, in order to enable MNC Bank to become
one of Indonesia's most competitive bank," Rita stated.
MotionBank Acceleration Fuels MNC Bank's Business Growth
In line with its mission to deliver an exceptional banking experience
and foster sustainable growth for all stakeholders, MNC Bank
continues to provide the latest innovations through its digital
banking service, MotionBank, in response to the banking industry's
growing market dynamics. MNC Bank additionally continues to
enhance its MNC eBiz Banking (Corporate Internet Banking) service
as part of its business strengthening plan in order to reach more
corporate customers. Low-cost funds, also known as Current
Account Savings Accounts (CASA), and fee-based income are
projected to rise as a result of these two services.
MotionBank's digital ecosystem is also constanly expanding, as more
merchants join and as a variety of appealing deals are offered to
attract new consumers. In the end, this aims to improve the CASA
composition.
Performance-wise, as of June 2025, MotionBank recorded 8.04%
annual user growth. Meanwhile, MotionBank facilitated over 2 million
transactions through the second quarter of 2025, representing an
18% yoy increase compared to the same period last year. This is solid
evidence of the effectiveness of MNC Bank’s digital innovations.
For more information about MNC Bank, kindly reach out to the MNC Bank Call Center at 1500188 or MotionBank
Customer Service via WhatsApp chat at 08888888888, visit www.mncbank.co.id and www.motionbank.id, and follow
MNC Bank's official social media accounts, @officialmncbank and @motionbankid on Instagram, MNC Bank on Facebook
dan @MNCBank on X.
Enjoy MNC Bank's digital banking services by downloading the MotionBank app on the Play Store or App Store via the
link bit.ly/MotionBankMNC.
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For further information, please contact PT Bank MNC Internasional Tbk
Heru Sulistiadhi MNC Bank Tower 10/F, MNC Center
Corporate Secretary Jl. Kebon Sirih No.21-27, Menteng
heru.sulistiadhi@mncbank.co.id Central Jakarta 10340, Indonesia
Phone: +6221-29805555
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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Bank Call Center
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Kebon Sirih
· Corporate Secretary
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