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20250430_BHIT_Laporan Informasi dan Fakta Material_31879735_lamp1.pdf
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MNC Bank Delivers Strong Performance,
Net Income Increases by 34% in Q1-2025
Jakarta, April 30, 2025 – PT Bank MNC Internasional Tbk (IDX: BABP), or MNC Bank, a subsidiary
of PT MNC Kapital Indonesia Tbk (IDX: BCAP) and part of the MNC Group, successfully
continued its positive growth trajectory in the first quarter of 2025. This achievement is
reflected in its net income, which rose by 34.04% year-on-year (yoy) from Rp14.85 billion in
Q1-2024 to Rp19.90 billion in Q1-2025. MNC Bank also recorded a 13.49% yoy increase in total
assets, from Rp18.29 trillion to Rp20.76 trillion as of the end of March 2025.
Amidst the challenges of a slowing global economy and ongoing geopolitical uncertainties,
MNC Bank competently upheld public trust in the collection of Third Party Funds (TPF). In the
first quarter of 2025, total TPF stood at Rp13.40 trillion, comprising Deposits of Rp10.67 trillion,
Savings of Rp1.83 trillion, and Current Accounts of Rp910 billion.
MNC Bank also maximized its intermediary function by disbursing loans totaling Rp11.40 trillion
in Q1-2025, an increase of 11.51% compared to Rp10.23 trillion in the same period last year. As a
result of this credit expansion, interest revenues grew by 17.40% yoy from Rp335.78 billion to
Rp394.21 billion in Q1-2025. MNC Bank’s loan portfolio was predominantly composed of the
Commercial segment at Rp9.73 trillion, followed by the Consumer segment at Rp1.67 trillion.
Q1-2025 BABP Financials Highlights
in million Rupiah Q1-2025 Q1-2024
Profit and Loss
Revenues
Interest Revenues 394,212 335,776
Interest Expenses 252,270 202,086
Interest Revenues - Net 141,943 133,691
Income Before Tax 24,704 19,076
Net income 19,904 14,849
Earnings per share (in full Rupiah) 0.49 0.46
Balance Sheet
Total assets 20,756,664 18,290,069
Total liabilities 17,073,505 14,686,762
Total equity 3,683,159 3,603,307
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These achievements were supported by well-maintained financial ratios. MNC Bank’s Capital
Adequacy Ratio (CAR) stood strong at 24.22% in Q1-2025, reflecting solid fundamentals and
well above the minimum regulatory requirements. Furthermore, loan disbursement was
managed prudently through strict risk assessment procedures, resulting in improved Non-
Performing Loan (NPL) ratios. Gross NPL was recorded at 4.34%, while Net NPL stood at 2.94%.
Rita Montagna, President Director of MNC Bank, emphasized that this achievement establishes
a crucial foundation for sustaining consistent performance in 2025. “This quarter’s results
reflect our commitment to delivering positive growth each period. Nevertheless, we are
determined to maintain this momentum and drive long-term, sustainable growth,“ said Rita.
Meanwhile, MNC Bank continues to strengthen its MotionBank
application, with a focus on enhancing the user interface and user
experience (UI/UX) to ensure smoother navigation and a more
seamless transaction journey for users. As part of its ongoing
digital transformation, MotionBank now showcases a fresh, modern
design aimed at maximizing user convenience.
Looking ahead, MNC Bank remains committed to expanding
MotionBank’s features and services as part of its strategic efforts
to promote financial inclusion and broaden access to digital
financial solutions. Upcoming innovations include the launch of the
MotionBank virtual card for secure online transactions without the
need for a physical card and the integration of various financial
services from MNC Group's business units to deliver
comprehensive, end-to-end financial solutions.
About MNC Bank
PT Bank MNC Internasional Tbk (IDX: BABP) or MNC Bank, is a subsidiary of MNC Kapital that
engages in full-service banking activities.
MNC Bank offers digital and conventional banking products and services, including savings
accounts, loan facilities, debit and credit cards, treasury, trade finance, and RDN, focusing on
consumer, wholesale, and MSME segments. MNC Bank also provides digital banking services
through the MotionBank application and continuously innovates to become a future-ready
bank based on cutting-edge technology.
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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.
For further information, please contact: PT Bank MNC Internasional Tbk
Heru Sulistiadhi MNC Bank Tower 8/F, MNC Center
Corporate Secretary Jl. Kebon Sirih Kav 21-27, Menteng
Email: heru.sulistiadhi@mncbank.co.id Central Jakarta 10340, Indonesia
Phone : +6221-29805555
www.mncbank.co.id
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 Delivers Strong Performance
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Kebon Sirih
· Corporate Secretary
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