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Nomor | Number Lampiran | Attachment 2 (dua | two) Kepada Yth. | Attention to. Direktur PT Bursa Efek Indonesia Gedung BEI Menara | Lantai 6 Jl. Jendral Sudirman Kav. 52-53 Jakarta 242/DIR/BOI/V/2025 OK BANK Up. : Kepala Divisi Penilaian Perusahaan Sektor Jasa Perihal: Jakarta, 22 Mei 2025 Penyampaian Hasil Public Expose PT Subject: Submission of Public Expose Results Bank Oke Indonesia Tbk Of PT Bank Oke Indonesia Tbk Dear Sirs, Dengan Hormat, Memenuhi dan memperhatikan: 1. Surat Keputusan Direksi PT Bursa Efek Indonesia Nomor Kep-00066/BEI/09-2022 perihal Perubahan Peraturan Nomor I-E Tentang Kewajiban Penyampaian Informasi: 2. Surat Perseroan Nomor 229/DIR/BOI/V/2025 tanggal 19 Mei 2025 perihal Penyampaian Materi Public Expose PT Bank Oke Indonesia Tbk. | maka bersama ini kami sampaikan bahwa Paparan Publik PT Bank Oke Indonesia Tbk (“OK Bank”) telah terselenggara pada hari Kamis, 22 Mei 2025 bertempat di Gedung OK Bank lantai 1, Jakarta. Acara tersebut dihadiri oleh perwakilan Direksi dan Dewan Komisaris OK Bank serta beberapa media (daftar hadir terlampir). Adapun ringkasan acara tersebut adalah sebagai berikut: 1. Paparan Kinerja OK Bank , Direksi memaparkan kinerja keuangan dan beberapa hal sebagaimana yang tercantum dalam materi yang telah disampaikan sebelumnya. ja. Fulfill and regarding to: 1. Decree of the Board of Directors of the Indonesian Stock Exchange Number Kep- 00066/BE1/09-2022 concerning Amendments »to Regulation Number I-£ Concerning Obligations for Submitting Information: Company Letter Number ' 229/DIR/BOI/V/2025 dated May 19, 2025 concerning Submission of Public Expose ' Materials of PT Bank Oke Indonesia Tbk. We hereby inform that the Public Expose of PT Bank Oke Indonesia Tbk (“OK Bank”) was held on 5 Thursday, May 22, 2025 at OK Bank Building, 1" : floor, Jakarta. The event was attended by 'representatives of the Board of Directors and Board of Commissioner of OK Bank as well as several media (attendance list attached). The “summary of the event is as follows: ilaOK Bank Performance Disclosure The Board of Directors explains financial performance and several matters as previously presented. 2. Tanya jawab dalam paparan kinerja antara lain: Ouestions and Answers During the Performance Presentation Included: Indonesia No Pertanyaan dan Jawaban Ouestion and Answer 1) | Pertanyaan: Ouestion: @ Bagaimana kinerja OK Bank selama 2024 dan bagaimana pertumbuhannya hingga Kuartal 1- 2025? @ Apa saja rencana kerja OK Bank untuk 2025? e How was OK Bank's performance throughout 2024 and how has it grown up to A1 2025? e What are OK Bank's work plans for 2025? Jawab: Answer: 'ovanni.sylvana/2025.05.23 11:51 10of7 PT BANK OKE INDONESIA | www. Kantor Pusat: Jl. Ir. H. Juanda No 12 Jakarta Pusat 10120 Tel
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OK BANK Indonesia No Pertanyaan dan Jawaban Ouestion and Answer Poin 1: Sepanjang 2024, OK Bank mencatat kinerja positif. Laba bersih tumbuh signifikan sebesar 74,474 (YOY) menjadi Rp49,99 miliar. Pertumbuhan laba ini ditopang kenaikan pendapatan operasional dan efisiensi biaya. Dana pihak ketiga naik 10,7196 (YoY) menjadi 7.543,76 miliar. Penyaluran kredit meningkat 9,064 (YoY) menjadi Rp9.300,15 miliar. Aset bertambah sebesar 7,1896 (YoY) menjadi Rp11.870,49 miliar sedangkan kualitas aset membaik, tercermin dari penurunan NPL gross dari 3,80 menjadi 2,49X, dan NPL nett dari 2,304 ke 14596. Profitabilitas seperti ROA meningkat 0,6196 dan ROE naik 1,4196. Meski CAR menurun menjadi 46,83X, permodalan tetap kuat dan rasio efisiensi seperti BOPO dan CIR menunjukkan perbaikan, menandakan pengelolaan yang semakin optimalffKondisi ini menunjukkan kepercayaan / masyarakat semakin tinggi pada Perseroan. ' Hingga Kuartal I-2025, OK Bank mencatat kenaikan laba bersih sebesar 60696 (YoY) mencapai Rp30,4 miliar atau mencapai 29,3196 dari target 2025. Kenaikan laba 'ini mencerminkan kinerja operasional yang efisien dan terkendali dimana BOPO'turun dari / 93,645 ke 86,494. Posisi permodalan tetap! kuat dengan CAR sebesar 45,2746. Total aset meningkat 3,1596(YTD) menjadi Rp12.243,83 miliar dan kredit tumbuh 4,5696(YTD) menjadi Rp9.724,16 miliar. DPK melaju 3,724(YTD) menjadi Rp7.824,21 miliar. Para Poin 2: | Sepanjang 2025, OK Bank fokus pada Peningkatan Aset melalui penyaluran kredit di segmen korporasi dan komersial sebagai motor utama. Pada kredit korporasi, penyaluran kredit Bank tetap menyasar pada kelompok konglomerasi sedangkan pembiayaan komersial bank mengutamakan pembiayaan yang prudent serta memiliki potensial bisnis terpercaya. Bank lebih aktif melakukan kerjasama pendanaan sindikasi dengan berbagai Bank yang memiliki kapasitas lead arranger. Point 1: Throughout 2024, OK Bank recorded positive performance. Net profit increased significantly by 74.474 YoY to IDR 49.99 billion, driven by an increase in operating income and cost efficiency. Third-party funds (TPF) rose by 10.7196 YoY to IDR 7,543.76 billion, while loan disbursement grew by 9.069 YoY to IDR 9,300.15 billion. Total assets increased by 7.1896 YoY to IDR 11,870.49 billion, with improving asset guality, as indicated by a decline in gross NPL from 3.805 to 2.494 and net NPL from 2.305 to 1.454. Profitability indicators such as ROA increased by 0.6196, and ROE rose by 1.4195. Although the CAR decreased to 46.834, capital remained strong. Efficiency ratios like BOPO and CIR improved, reflecting increasingly optimal management. This condition shows growing public confidence in the Bank. By A1 2025, OK Bank posted a 6069 YoY increase in net profit, reaching IDR 30.4 billion or 29.319 of the 2025 target. This profit growth reflects efficient and controlled operations, as seen in the decline of BOPO from 93.644 to 86.4946. Capital adeguacy remains strong, with CAR at 45.2796. Total assets rose by 3.154 YTD to IDR 12,243.83 billion, loans grew by 4.569 YTD to IDR 9,724.16 billion, and TPF increased by 3.7296 YTD to IDR 7,824.21 billion. Point2 : In 2025, OK Bank is focused on asset growth through loan disbursement in the corporate and commercial segments as the main drivers. For corporate lending, the Bank continues to target conglomerate groups, while — commercial financing emphasizes prudent and credible business potential. The Bank is also actively engaging in syndicated loan collaborations with banks capable of acting as lead arrangers. (ovanni.sylvana/2025.05.23 11:51 20f7 PT BANK OKE INDONESIA | www,okbank.co.id Kantor Pusat: Jl. Ir. H. Juanda No 12 Jakarta Pusat 10120 Tel. #62 21 231 2633 | Fa
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OK BANK Indonesia No Pertanyaan dan Jawaban Ouestion and Answer Kedua, Segmen Retail tetap menjadi fokus Secondly, the retail segment remains a key focus. Bank. Bank melakukan peningkatan penerapan The Bank is enhancing credit scoring scoring debitur dan pengembangan sistem implementation and developing an auto-debit auto debit sebagai langkah mitigasi resiko system as part of risk mitigation, especially for terutama resiko pembiayaan sindikasi. syndicated financing. Ketiga, Pendanaan Bank fokus pada Thirdly, on the funding side, the Bank focuses on peningkatan volume dengan tetap increasing volume while maintaining @ memperhatikan biaya dana (Cost of Fund) yang competitive and measured cost of funds to ensure kompetitif dan terukur sehingga Net Interest a sustainable Net Interest Margin. Margin Bank tetap terjaga. Fourth, the Bank prioritizes IT development, Keempat, Pengembangan IT. Perseroan fokus especially in expanding digital services (Internet & pada pengembangan teknologi khususnya Mobile Banking) and strengthening IT security pengembangan layanan digital (Internet & systems. Mobile Banking) diikuti penguatan sistem Keamanan IT 2) | Pertanyaan: Ouestion: e Apa dampak tidak langsung ps e Whatare the indirect impacts of the US-China antara Amerika dengan Tipnekak pada trade war on OK Bank's growth? pertumbuhan OK Bank? 1 e Peluang apa yang dilihat dan akan '|e What opportunities does OK Bank see to dilakukan OK Bank untuk meningkatkan improve its performance in the current performancenya pada kondisi ekonomi challenging economic conditions? yang sedang tidak baik-baik tersebut? Jawab: | | Answer: Poin 1. Point 1. Dampak perang dagang secara tidak langsung | The trade war has indirect effects on the national dirasakan perbankan nasional. Bagi OK Bank | banking sector. For OK Bank, the impact is related dampaknya berkaitan pemberian kredit pada | to credit disbursement to borrowers. A direct debitur. Berdampak langsung jika debitur | impact is feltif borrowers are highly dependenton memiliki ketergantungan pada pasar Amerika. | the US market, particularly when reciprocal tariffs Utamanya, saat resiprokal tarif diberlakukan. | are imposed. Indirect impacts affect borrowers Terdampak tidak langsung bagi debitiif'katena | through supply chain disruptions involving the berkaitan sistem supply chain pengadaan bahan procurement of raw materials from other baku dari Negara lain. Dampak 'ini tentu | countries. This can affect the borrowers' business mempengaruhi ekspansi bisnis debitur Bank | expansion, reduce market share, or increase the atau berpotensi menghilangkan pangsa pasar | risk of default. dan default. Poin 2. Point 2. Manajeman Bank tetap yakin selalu ada peluang | Bank Management remains optimistic that dari kondisi tersebut. Potensi investor ke | opportunities exist. The growing interest of kawasan Asia Tenggara kian terbuka guna | investors in Southeast Asia, as they seek to avoid menghindari tarif tinggi yang dikenakan pada | the high tariffs imposed on China, presents d China khususnya. OK Bank melihat peluang ini | chance for OK Bank. The Bank aims to leverage untuk menjalin kerjasama pinjaman sindikasi | this opportunity by initiating syndicated loan dengan Bank lain untuk mengurangi resiko. partnerships with other banks to mitigate risks. 3) | Pertanyaan: Ouestion: ovanni.sylvana/2025.05.23 11:51 3of7 PT BANK OKE INDONESIA | www.okbank.co.id Kantor Pusat: Jl. Ir H. Juanda No 12 Jakart: a Pusat 10120 Tel. t62 21 231 26 Fax. 462 21 231 260
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OK BANK Indonesia No Pertanyaan dan Jawaban Guestion and Answer # Berapa target laba bersih dan pendapatan |e What are the net profit and revenue targets perseroan tahun ini? Bagaimana CAPEX, for this year? How much CAPEX has been sudah terserap berapa dan dialokasikan absorbed and what are the allocations? untuk apa saja? @ What were the main profit drivers for OK Bank @# Apa motor pembentuk laba signifikan OK in the previous fiscal year and in the first Bank tahun lalu dan selama Kuartal I- 2025? guarter of 2025? Jawab: Answer: Poin 1. Point 1. OK Bank menargetkan laba bersih sebesar | OK Bank is targeting a net profit of IDR 103.83 Rp103,83 miliar atau tumbuh lebih dari 10096 | billion, more than double the previous year's dibandingkan tahun lalu. Pendapatan bunga | figure. Interest income is projected at IDR 1.16 sebesar Rp1,16 triliun. Realisasi belanja modal trillion. As of A1 2025, 796 of the total CAPEX (CAPEX) hingga kuartal I-2025 sudah menyerap | budget has been absorbed, amounting to IDR 2.06 76 dari keseluruhan CAPEX Bank yang | billion out of the IDR 29.5 billion allocated for dianggarkan sebesar Rp29,5 miliar pada 2025. | 2025. The CAPEX allocation highlights OK Bank's Hingga Maret 2025 terealisasi sebesar Rp2,06 | strategic focus on enhancing operational miliar. Alokasi CAPEX tersebut menunjukkan infrastructure and technology-based service fokus strategis OK Bank pada peningkatan guality. infrastruktur operasional dan kualitas layanan! berbasis teknologi. $ 2 Poin 2. 2 Point 2. Laba signifikan OK Bank selama 2024 terutama || In 2024, OK Banks significant profit was driven by ditopang kenaikan pendapatan operasional | | a 66.955 YoY increase in other operating income, lainnya sebesar 66,9596 (YoY) menjadi Rp28,30” | reaching IDR 28.30 billion, and an 18.3596 YoY miliar dan penurunan beban umum dan, | decrease in general and administrative expenses, administrasi sebesar 18,3596 (Yo) menjadi | which dropped to IDR 143.7 billion. This decline Rp143,7 miliar. Penurunan ini terutama berasal was mainly due to substantial savings in fees and dari penghematan signifikan beban fee'dan | commissions, consulting fees, and promotion komisi, tenaga ahli dan promosi. Meskipun 3 costs. While net interest income remained pendapatan bunga bersih relatif stabil, relatively stable, the combination of non-interest kombinasi peningkatan pendapatan non-bunga income growth and cost efficiency drove the dan efisiensi beban mendorong kenaikan laba 74.475 rise in net profit to IDR 49.99 billion. bersih sebesar 74,4796 menjadi Rp49,99/Miliar. Selama Kuartal I-2025, Laba signifikan OK Bank | In A1 2025, OK Bank earned IDR 30.43 billion in mencapai Rp30,43 miliar. Hal ini ditopang net profit, supported by an 11.9996 YoY increase in peningkatan pendapatan bunga bersih'sebesar | net interest income to IDR 159.14 billion, ad 11,994 (YoY) atau mencapai Rp 159,14 miliar | 148.369 YoY increase in other operating income dan peningkatan pendapatan operasional to IDR 6.41 billion, and a 31.179 YoY decline in lainnya sebesar 148,86?6 (YoY) atau mencapai | provision expenses to IDR 49.29 billion. sebesar 6,41 miliar serta efisiensi beban penyisihan kerugian penurunan nilai aset sebesar 31,174 (YoY) menjadi Rp49,29 miliar. 4) | Pertanyaan: Ouestion: » Segmen apa yang menjadi target e What segments are targeted for loan growth pertumbuhan kredit OK Bank di 2025? e Mitigasi apa saja yang akan dilakukan OK Bank dengan kondisi ekonomi saat ini dan in 2025? e Whatrisk mitigations will OK Bankimplement amid the current economic conditions, and ovanni.sylvana/2025.05.23 11:51 40of7 PT BANK OKE INDONESIA | www.okbank.co.id Kantor Pusat: Jl Ir. H, Juanda No 12 Jakarta Pusat 10120 Tel. 462 21 231 2633 | Fax. 622
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OK BANK Indonesia No Pertanyaan dan Jawaban Ouestion and Answer apa saja dampaknya terhadap debitur what are the potential impacts on borrowers maupun kualitas kredit Bank kedepannya? and credit guality? Jawab: Answer: Poin 1. Point 1. OK Bank fokus pada penyaluran pinjaman di segmen korporasi dan komersial. Serta secara bertahap melakukan penyaluran kredit pada segmen retail. Poin 2. OK Bank melakukan mitigasi melalui proses penilaian kredit yang ketat. Bank akan memperhatikan penyaluran pinjaman yang prudent serta melihat potensi bisnis dari para debitur. Segmen retail telah mempersiapkan dua inisiatif yaitu peningkatan system scoring serta pengembangan system auto debit bagi setiap debiturnya. Langkah mitigasi ini , merupakan bagian dari pre- HN 2 OK Bank is focusing on loan disbursement in the corporate and commercial segments, while gradually expanding into the retail segment. Point 2. OK Bank implements risk mitigation through a rigorous credit assessment process. The Bank emphasizes prudent lending while considering borrowers' business potential. In the retail segment, two initiatives are in place: enhancing the credit scoring system and developing an auto- debit system. These mitigation steps apply both in pre-disbursement and post-disbursement phases through early warning detection systems designed by the Special Asset Management (SAM) team. Moving forward, these measures are expected to help the Bank maintain credit guality, with a targeted gross NPL ratio of 2.484 by end- 2025. 5) Pertanyaan: @ Berapa pertumbuhan DPK yani . perusahaan untuk tahun ini ? Stra yang akan diambil OK Bank memastikan DPK tersebut bertumbul @ Berapa target Pertumbuhan Kredit, dan NPL nett untuk tahun 2025? Apa strategi untuk mencapai target tersebut? Ouestion: e What is the targeted TPF growth for this year and what strategies will OK Bank implement to achieve it? e What are the targets for loan growth, CAR, and net NPL for 2025? What strategies are in place to achieve these targets? Jawab: j Poin 1. BA OK Bank menargetkan pertumbuhan Dana Pihak Ketiga (DPK), baik dari nasabah dan simpanan dari Bank lain sekitar 1256 pada tahun 2025: Untuk mencapai target ini, Bank menerapkan strategi komprehensif di sisi pendanaan dan layanan, antara lain dengan penambahan tenaga marketing funding di setiap kantor, peningkatan kualitas layanan dan produk untuk menjaga loyalitas nasabah. Bank juga fokus pada peningkatkan brand awareness melalui promosi digital, memperkuat layanan digital seperti Internet & Mobile Banking, serta menawarkan program simpanan menarik guna meningkatkan stickiness nasabah. Answer: Point 1. OK Bank is targeting a 1296 growth in Third-Party Funds (TPF) from both customers and interbank placements in 2025. To achieve this, the Bank has developed a comprehensive strategy on funding and services, including adding funding marketing personnel at each branch, improving service and product guality to retain customer loyalty, increasing brand awareness through digital promotions, strengthening digital services (Internet & Mobile Banking), and offering attractive savings programs to enhance customer stickiness. ovanni.sylvana/2025.05.23 11:51 5of7 PT BANK OKE INDONESIA | www.okbank.co.id Kantor Pusat: Ji Ir. H. Juanda No 12 Jakarta Pusat 10120 Tel, 462 21 2 231 2633| Fax, 4622
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OK BANK Indonesia No Pertanyaan dan Jawaban Ouestion and Answer Poin 2. Point 2. OK Bank menargetkan Kredit meningkat sekitar | OK Bank targets loan growth of around 114, CAR 114, CAR 43X dan NPL Nett turun ke 1,394. of 434, and net NPL of 1.394 in 2025. Untuk mencapai target pertumbuhan kredit, To achieve these targets, the Bank applies Bank menerapkan strategi penyaluran kredit | tightened credit disbursement analysis, enhances yang mencakup pengetatan analisa keputusan debtor monitoring, and develops both corporate pencairan dan monitoring debitur, | and retail segments. The Bank is also recruiting pengembangan segmen korporasi dan ritel, experienced lending officers, expanding digital serta penambahan tenaga lending yang | credit access, maximizing collaboration with loan berpengalaman. Selain itu, OK Bank | agents, and accelerating credit proposal memperluas akses kredit melalui layanan digital | turnaround time. The improved guality of the (Internet & Mobile Banking), memaksimalkan lending team follows IFRS 9 (PSAK 71) to ensure kerjasama dengan agen penjualan (loan guality and sustainable growth. agency), serta mempercepat proses turn around time proposal kredit. Peningkatan kualitas tim ini mengacu pada PSAK 71 untuk memastikan pertumbuhan yang berkualitasidan berkelanjutan. 6) | Pertanyaan: Guestion: Apakah ada perubahan kompolii Direksi dan. Dewan Komisaris dari hasil RUPSLB Bagaimana susunan manajemennya? ini? Were there any changes to the composition of the Board of Directors and Commissioners following the EGM? What is the current management structure? Jawab: 1 Komposisi manajemen OK Bank setelah RUPSIB hari ini: | | Dewan Komisaris Komisaris Utama :Sang TonSim Komisaris Independen — : Sondang Martha Samosir Komisaris Independen: Chairudiny Direksi . Direktur Utama" — : Kang Bong Joo” Wakil Direktur : Hendra Lie Utama Direktur Bisnis Direktur Kredit" Direktur Kepatuhan :VM Djuniwati Wijaya : Jong Ha Lee" : Efdinal Alamsyah Jabatan manajemen baru OK Bank ini berlaku efektif setelah mendapatkan persetujuan dari Answer: The composition of OK Bank's management Jollowing today's EGM is as follows: The board of commissioners President : Sang Ton Sim Commissioner Independent : Sondang Martha Commissioner Samosir Independent : Chairudin Commissioner The board of directors President Director : Kang Bong Joo" Deputy President: Hendra Lie Director Credit Director "Jong Ha Lee" Business Director : VM Djuniwati Wijaya Compliance Director — : Efdinal Alamsyah The new management position of OK Bank's will be effective after obtaining approval from the cvenni.sylvana/2025.05.23 11:51 60of7 PT BANK OKE INDONESIA | www.okbank.co.id Kantor Pusat: Jl. Ir. H, Juanda No 12 Jakarta Pusat 101 Tel. #62 21 231 2633 | Fax t622
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OK BANK Indonesia No Pertanyaan dan Jawaban Guestion and Answer Otoritas Jasa Keuangan dan instansi berwenang | Financial Services Authority and other authorized lainnya. agencies. Demikian yang dapat kami sampaikan, atas perhatian Please do accept in regards to our explanation. dan arahannya kami ucapkan terima kasih. Thank you for your kind attention. Hormat kami, | Regards, PT Bank Oke Indonesia Tbk apa ' ke Efdinal Alamsyah Direktur | Director Tembusan : | Copy to: 1. Yth. Kepala Eksekutif Pengawas Pasar M nilaian Keuangan Perusahaan Sektor Jasa Otoritas Jasa Keuangan 70f7 .ovanni.sylvana/2025.05.23 11:51 PT BANK OKE INDONESIA | www.okbank.co.id Kantor Pusat: Jl. Ir, H, Juanda No 12 Jakarta Pusat 10120 Tel. 462 21231 2633 | Fax. 462 21 231 260
Names mentioned 17 people and organisations named in the text · linked when the evidence is strong
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Public Expose Results Bank Oke Indonesia Tbk
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PT Bank Oke
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Ir. H. Juanda
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BANK Indonesia
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Sang TonSim
· Komisaris Utama
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Chairudiny
· Komisaris Independen
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VM Djuniwati
· Director
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Financial Services Authority
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