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Page 1
PT Bank Raya Indonesia, Tbk
Corporate Presentation 1Q26
This document and information contained hereinafter confidential and proprietary to PT Bank Raya Indonesia Tbk and shall not be published or disclosed to
any third party without the express written consent by an authorized representative of PT Bank Raya Indonesia Tbk
Page 2
Outline
● Overview (Boards of Management and Macroeconomy)
● Transformation Journey
● Corporate Strategy and Value Proposition
● Highlight - 1Q26 Financial Performance
● Business Performance Overview & Strategy
● Others
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Overview
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Experienced Board of Management
Board of Commissioner
Muhamad Sidik Johanes Kuntjoro Retno Wahyuni Farid Rahman* Tatang Yuliono*
Heruwibowo Adisardjono Wijayanti
President Commissioner Independent Commissioner Independent Commissioner Independent Commissioner Commissioner
Experience in Banking Audit Experience in Compliance & GCG Experience in Corporate Experience in Banking & Experience in Tax, Trade and
Transformation & Strategy Investment Economics
Board of Director
Ida Bagus Ketut Subagia Rustarti Suri Pertiwi Danar Widyantoro Kicky Andrie Davetra Lukman Hakim
President Director Director of Finance Director of Compliance, Director of Business Director of Digital and
Experience in Micro Business Experience in Finance & Investor ERM and HR Experience in Consumer Business, Operations
Relation Experience in Digital Risk, Data Branchless Banking Experience in Banking IT Strategy,
Management, and IT Development & Strategy Development & Operation
4
*Effective upon OJK fit and proper test approval
Page 5
Economic Resilience Amid Global Uncertainty
Indonesia demonstrates strong economic resilience amid global uncertainty, supported by solid growth, easing
inflation, and accommodative monetary policy
Household Consumption and Government Spending Underpin Economic Growth During 1Q26
GDP Growth (% YoY) Indonesia Export-Import (USD Mn)
Mar ’25 Mar ’26
● Economic growth accelerated to 5.61%
in 1Q26 from 5.11% in FY25, mainly
Ekspor driven by stronger domestic
consumption and seasonal spending
during Ramadan and Eid festivities.
Supporting sectors included Hospitality
and Food Services, which continued to
Main Sectoral Contributors to GDP Growth
GDP Contributor record double-digit growth momentum.
(Top 5 Sector Contributors)
● Indonesia’s exports in Mar’26 softened
Impor
to USD22.5 Bn from USD23.2 Bn last
year. Imports rose to USD19.2 Bn, driven
by higher raw material and capital goods
imports, reflecting resilient domestic
industrial activity.
● Inflation in Apr’26 eased to 2.42%
staying within BI’s target range of 2.5%
± 1%, reflecting contained price pressures
amid softer global commodity prices and
stable domestic demand. BI held its
FY25 1Q26 benchmark rate steady at 4.75% during
1Q26, followed by a 50 bps increase to
Foreign Reserves Remain Solid Amid Global Uncertainty Stable Inflation Supporting Economic Resilience 5.25% in May ’26, reflecting efforts to
reinforce macroeconomic resilience amid
Foreign Reserve (USD Bn) Inflation & BI-7DDR external pressures while sustaining
domestic economic expansion.
● Indonesia FX reserves stood at
USD146.2 Bn in Apr ‘26 (-4.1% YoY),
equivalent to 5.8 months of imports.
Indonesia FX reserves above the 3-month
international adequacy standard,
indicating manageable resilience and
policy buffer.
Source: Central Bureau of Statistic, CEIC, and Tradingeconomics (2026)
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Transformation Journey
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Bank Raya Journey as BRI Group’s Digital Attacker
2021 Transformation Started
In November 2021, BRI Agro transformed
into Bank Raya, adopting a new vision as Exploit Business Synergy Opportunities
BRI Group’s digital attacker while within Ecosystems and Partnerships
revamping its portfolio and business 2024 - Enhance our value propositions through ongoing
model.
2025 improvement while optimizing business
opportunities within BRI Group via various
channels in the ecosystems and explore new
opportunities through partnerships.
2022 Established the Foundation Optimize Digital Business
We executed our revamped business Opportunities
model and drove digital innovation 2026 - Exploit potential synergies and
through the launch of Raya Apps and
Pinang Dana Talangan, establishing a
onwards explore new business opportunities
strong digital foundation. along with innovative digital products
and services.
Upscale Digital Products
2023 Development
Significant improvements and innovations in digital
products and services were made this year, resulting
in a strong product proposition, new partnerships,
and expanded networks in O2O services.
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Corporate Strategy and Value Proposition
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Corporate Strategy Framework
Expanding digital opportunities through ecosystem synergy and mass market penetration while providing digital
financial solutions with the broadest O2O access across Indonesia.
Mission
● Optimizing BRI Group synergy and prudent exploration of the
mass market, especially in the micro and small segments.
● Providing products and services that are relevant to customer
needs (customer centric) end-to-end digital approach.
Vision ● Developing through a Hybrid Network Distribution approach, by
leveraging synergies with the BRI Group offline network and
A leading digital bank providing digital other partners.
financial solutions with the broadest O2O ● Creating integration between Business & Technology.
access across Indonesia
● Strengthening Governance, Risk and Compliance to establish
Good Corporate Governance.
Exploit Market Potential Explore Digital Opportunity
Value Proposition
Digital Bank with Strong O2O Networks across Indonesia
Digital Digital Funding & Value Chain With 1.9 million access points across Indonesia, we aim to meet customer needs by
Productive Consumptive Transaction Business 1 offering not only online services but also offline access, ensuring easy and convenient
transactions.
Building Brand Value
Continuous Innovations in Providing Comprehensive Cross
Hybrid Network Distribution
Segment Digital Products
2 Comprehensive digital savings and lending solutions, supported by continuous
Digital Centric Human Capital Organization Capability innovation, designed for seamless transactions across personal and business needs.
Resilient Technological Support
Optimize the Role as Digital Attacker through Synergy
Strong Governance, Risk Management & Compliance
within BRI Group
3 Support BRI Group in providing digital products and services to customers, primarily
MSMEs, with smaller, shorter, faster and more accessible options for customers
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1 Digital Bank With Strong O2O Networks Across Indonesia
With more than 1.9 million access points across Indonesia, we aim to meet customer needs by offering
not only online services but also offline access, ensuring easy and more convenient transactions.
1.9 Mn point of access Cash In - Cash Out (CICO)
across Indonesia Transaction
Cardless transaction through 1.2 Mn BRILink
agents, 25 Bank Raya outlets and
Indomaret across Indonesia
North Sumatera
Total of 25 outlets Bank Raya Networks
• CB Medan
● 23 Community Branch (CB) Payment
7.377 BRI Offices
● 2 Cash Office Experience the seamless ease of handling
● 454 BRI Branch Offices
Riau ● 555 BRI Sub Branch Offices transactions effortlessly
• CB Pekanbaru ● 5k BRI Units
• CB Kasikan ● 490 BRI Cash Offices Raya Apps Transaction (1Q26)
Palembang
• CB Ujung Batu ● CB Palembang
• CB Air Molek
• CB Lubuk Dalam
Lampung
● CB Lampung Makassar
DKI Jakarta
• CB Menara Brilian • CB Makassar
• CB Warung Jati Bali 1.4 Mn
• CB Denpasar Transaction
West Java
• CB Bandung
Central Java East Java
• CB Cirebon
• CB Semarang • CB Sidoarjo
• CB Bekasi
• CB Solo • CB Surabaya ● 11k ATM
• CB Temanggung • CB Lamongan ● 9k CRM
• CB Yogyakarta • CB Malang 1.2 Mn BRILink Agents ● 618k EDC
Cash Withdrawals
Other networks Cardless cash withdrawals through BRI’s
23k Indomaret Outlets ATM and 23k Indomaret outlets across
Indonesia
MSME’s Marketing Channels
Nearly 50% of MSME’s marketing channels
are from offline shop. Therefore, cash basis Raya Apps is embedded in BRImo
transactions are still needed in the market. Allows users to easily access Raya accounts
through BRImo
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2 Comprehensive Cross Segment Digital Products
Unlock effortless transactions with our innovative products, perfectly tailored for personal, business and
community along with digital loans for consumptive and productive segments
Digital Saving Digital Loans
Productive Loans
Saku Personal
Ensure users daily financial transactions are carried Intraday loans for transaction purpose to
out easily and conveniently banking agents and other agents
Invoice based financing for retails business
Saku Bareng
Offers seamless
Personal jointmanagement
financial accounts for communities Supply chain financing for Micro business
Channeling loans
Uang Saku
Simple and easy transactions for young customers Consumptive Loans
Personal
through financial management
limited-feature with parental monitoring
Bank Raya addresses all customer needs by Simplified digital payroll based loans
offering a wide range of comprehensive
Saku Bisnis digital products across various segments Raya PayLater
Provide financial management tools for personal A multi-purpose loans embedded in QRIS
business owner and MSME business transactions for Raya apps active users
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3 Optimize the Role as Digital Attacker through Synergy
within BRI Group
BRI Group Portfolio
Micro, small & consumptive
Management
Financing BRI Group
Optimizing synergy within BRI Group ecosystem
Mass Market through strategic collaborations that strengthen
Bank Raya’s performance by expanding
integrated digital solutions for MSMEs across
products and services.
Available to BRILink,
Corporate / HNWI Pegadaian agents,
and BRI Merchants
Digital Attacker
BRI Group Medium Premium
Other Raya’s Synergy within BRI Group
Small Middle Class
Payroll Consumer Loans Supply Chain Financing
Mass
Pegadaian
(Micro and Ultra Micro) 1.9M point of access to
x Networks
optimize customer needs
for easier transactions
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Highlight - 1Q26 Financial Performance
Page 14
Balance Sheet - Overview
Digital loans and savings have become key drivers of balance sheet position, driving assets growth and low-cost
funding, supported by ample liquidity and capital.
Total Asset Loans, Digital Loans and Compositions
(IDR Tn) (IDR Tn) LDR and RIM
32% 40% 32% 46%
7.1 7.7 7.3 6.9
2.3 3.1 2.4 3.1
Total Deposits, Digital Savings Total Capital (IDR Tn), Tier 1 CAR (%)
(IDR Tn) and CASA and CAR (%)
● Total assets declined primarily due to write-off initiatives as
CASA Digital Total TPF Non part of strategy to improve asset quality and strengthen
Ratio Savings Deposits Digital Savings balance sheet resilience. Despite this adjustment, digital
loans recorded strong growth of 33.1% YoY to IDR3.1 T,
28% 34% 28% 36%
increasing their contribution to total loans up to 46% in
9.5 44.29% 40.25% 41.04% 41.80%
1Q26.
8.4
8.1 2.2 8.4 ● Total deposits grew 0.9% YoY, supported by growing
2.3 customer base of 1.22 million users. Digital savings
1.4
1.3 increased significantly by 63.9% YoY to IDR2.3 T, driven
by continued CASA growth, with CASA ratio improving to
36%, equivalent to IDR3.0 T.
6.8 7.3 7.0 6.1 ● Liquidity remained well managed, as reflected by LDR of
81.64% and RIM of 84.60%, supported by a strong capital
position with CAR at 41.80%, providing ample capacity to
support future business growth while maintaining
prudent risk management.
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Digital Loans - Overview
Digital loan growth was driven by three products contributing nearly 98%, reflecting the amplification of business
opportunities within the BRI Group ecosystem. Higher yield and manageable asset quality remain the focus to
ensure sustainable growth.
Digital Loan Disbursement Digital Loans Outstanding Digital Loan Composition
(IDR Tn) (IDR Tn)
● Bank Raya recorded
continued momentum in its
digital lending business, with
disbursement reaching
YoY Yo
Y
IDR8.1 T, reflecting a 28.9%
9%
28. .1%
YoY. Correspondingly, digital
33
loans outstanding reached
IDR3.14 T or grew by 33.1%
YoY.
● As a result, digital loans
composition reached to 46%
of its total loans portfolio by
1Q26, underpinned` primarily
by strong contributions from
Digital Loan Yield Digital Loan NPL Gross Digital Loan Products Composition Pinang Dana Talangan,
Pinang Flexi, and Pinang
Maksima.
● Digital lending segment
continue to serve as a key
growth engine, supported by
a relatively high yield of
22.76% and a manageable
NPL Gross of 3.2%, reflecting a
balance risk-return profile .`
44
.9
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Income Statement - Overview
Digital loans and savings contributed positively to top-line performance, reflecting stronger growth in digital
business. Meanwhile, deterioration in asset quality weighed on the bottom line.
Interest Income (IDR Bn) NII (IDR Bn) OPEX (IDR Bn) Net Profit (IDR Bn)
● Interest income increased
by 7.5% YoY to IDR308 billion.
Meanwhile, net interest
income demonstrated
stronger growth of 19.9%
YoY reaching IDR196 billion,
YoY oY supported by improved
7.5% %Y
19.9 asset yields driven by the
high-yield digital lending
portfolio as well as
enhanced funding
efficiency.
● Net profit in 1Q26 showed
improvement compared to
FY25, although still
reflecting a recovery
Total Loan Yield Cost of Fund NIM BOPO trajectory from the prior year
base. This performance was
supported by higher total
loan yield, which increased
s ps by 86 bps to 12.63%.
bp 91
b
86 -7
3
bp ● We managed to lower cost
s
of funds by 73 bps to 5.07%,
drove 91 bps improvement
in NIM to 5.78% and
reflecting the Bank’s ability
to optimize asset pricing
and funding structure.
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Business Performance Overview & Strategy
Page 18
Life of Bank Raya’s Customer
Easy way to manage financial transactions for daily life, social and business in one device
Joel
Bicycle workshop owner and coffee shop entrepreneur
Personal Business
Joel’s Saku Personal Joel’s Saku Joel’s Line of Business
for daily life transactions Bareng
Saku Bujet :
Food
budget
Coffee Shop Bicycle Reparation Registered as BRILink Agents
Cycling
budget
Joel as treasurer of cycling
community bank account for bike
Joel’s Saku Bisnis Joel’s Digital Loan
Transport members
budget
Intraday Loan for
Saku Pintar Joel’s Uang Payroll BRILink transaction
for 2025 Bali trip from Pinang Dana
Saku
Talangan
Savings in Saku Jaga
Joel uses Uang Saku to Cashier Access
Bike spare part
help his child manage distributor is
Monthly Donation financial transaction funded by Pinang
independently, in a safe Maksima
and controlled way. Qris Acquirer
Invest through
BRIFINE Joel’s employee
Joel’s Raya are funded by
Mass Transfer Pinang Flexi
Digital Debit Paylater
VISA Card
Joel uses Raya Bike spare part
Paylater for buying Same Day Fund procurement is
QRIS CPM bike’s apparels funded by Pinang
Reconciliation Performa
through e-commerce.
Raya apps makes Joel’s life easier in managing personal financial needs and his own business both simultaneously. From personal budgeting,
act as treasurer for his bike community, and also managing his business from payment matters up to expanding business from taking loans.
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Digital Saving: Unlock Effortless Transactions With
Innovative Products
Perfectly tailored for personal, business and community
Savings Loans Payment Investment
Saku Utama BRIFine DPLK BRI
Core account for daily banking activities
Raya PayLater
● Kartu Debit GPN
(financial transactions, debit card payments & Features paylater (up to IDR 5 Mn) Investment and retirement planning
transfers) features
● Virtual Debit Visa
Pinang Flexi
Saku Bujet
Auto-budgeting Payroll loans for BRI and Bank Raya ● Online Payment
Personal
(monthly expenses, food & beverages, bills, and employees (up to IDR 25 Mn)
(QRIS CPM, Virtual Account, E-Wallet,
transportation)
BPJS Kesehatan, Credit Card, Mobile
Saku Pintar top-up services, Internet and TV, PLN,
Automated goal-based savings
Charity, Multifinance, PDAM)
Set your target amount and time frame
Saku Jaga
Emergency savings solution Additional Features
(competitive yield offering of up to 6%)
Rewards, Point and Membership Raya Story Financial Menu
Uang Saku
Youth savings management (ages 10–16) Reward points redeemable for gifts User cash flow insights, promotions, Financial analytics
(Allowance distribution and QRIS transactions) and monthly earnings summary across all wallets
Saku Bareng Total Digital Saving Number of Users Total Trx Raya apps
Community
● Managing community-based
savings (IDR Tn) (Thousands) (Thousands)
● Collaborative savings and
payment collection
● Transaction monitoring with
partners Pakai
Raya
Saku Bisnis oY .2%
Yo
Y
7%
YoY Terus
%Y 20 36.
Business
#bankdigitalpilihanmu
.9
Business Account for Raya Partners
63
● Multiple transfers
● Employee payroll payment
● Accepts QRIS payment
● Business Financial Reporting
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Pinang Dana Talangan : An End-to-End Digital Champion
Product Optimizing Synergy within the BRI Group
Acquired BRILink Agents
and its Potential & 15 minutes
For loan process
Supporting BRILink agents and other 21%
financial agents in amplifying Potential of Continuing our success
transaction opportunities through BRILink Agents story, Pinang Dana
intraday loans that enable faster and Talangan has expanded to
easier access. 1.2 Mn provide intraday loans for
BRILink 4% BRI merchants and
Agents Acquired Pegadaian agents
k BRILink Agents recording outstanding
Brilin ts
n
Age ony loans of Rp2.46 billion and
im
Test successfully acquiring 199
Pegadaian agents.
Net Promoter Score
65.2
Disbursement Outstanding BRILink Agent Acquired
Great
(IDR Bn) (IDR Bn) (Thousand)
oY Y
%Y % Yo
33.4 63.0
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Pinang Flexi and Pinang Maksima : Strengthen Digital
Lending Across Consumer and Productive Financing
Pinang Maksima provides retail productive financing
is a fully digital, end-to-end consumer lending facility for Bank Raya and BRI from >IDR 100 million to IDR 10 billion, supporting
payroll customers, while also targeting broader ecosystems. business expansion and operational capacity.
Business Partnerships Outstanding (IDR Bn) Product Overview
Outstanding (IDR Bn)
BRI Group Ecosystem
Pinang Flexi apps
embedded in
1.8% YoY
Productive loans for
New BRI Group invoice financing
ecosystems
Y
acquired Loan Ceiling: Yo
6%
71.
IDR 100M up to 10B
Target:
Third Parties Retail productive segment
Disbursement (IDR Bn)
Customers Acquired
(Thousand)
-16.6
% YoY
Net Promoter Score
68.2
Great
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Bank Raya’s Strategy : Ecosystem Exploration and
Exploitation to Drive Digital Business Growth
The exploitation strategy focuses on optimizing existing products and ecosystems, while the exploration strategy
drives business expansion into new markets and ecosystems.
Collaboration with
other partners
Exploration
Eksplorasi :
2026 - Other Agents
Agen Lainnya
onwards
Exploitation
BRI Group ecosystem Exploration :
Payroll BRI Group & Raya Mass Market
(with wider potential) Raya Paylater
BRI Merchants Exploration new markets
through new partnerships
2025 Exploitation BRI Group
ecosystem through BRI and
Bank Raya Payroll
Exploitation the existing
supply chain
Exploration community
42K BRILink agent through Saku Bareng
acquired
2024
Payroll BRI & Raya
Exploration MSME merchants through
Saku Bisnis & QRIS Merchant
261 clusters acquisitions
across Indonesia (1Q26) Distribution Access :
O2O Channel : 1.9 Million access
Exploitation the potential of the BRI (~7.5K BRI and Bank Raya outlets, ~20K
BRI ATM & CRM, 1.2 Mn Agen BRILink,
Group ecosystem through “Saku”
~23K Indomaret) 522
and other features in Raya Apps
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Engaging Marketing Strategies to Boost Customer Loyalty
and Participation
Bank Raya employs a multi-faceted approach focused on maximizing rewards and enriching experiences to boost
customer loyalty and engagement.
Promotion Fest Loyalty Memberships
Loyalty Program Raya
The gamification of the banking experience allows
Lala Market Fest customers to earn rewards as their balance increasing
Kawan Sobat
Lala Market Fest offers a dynamic
Free admin Free admin & transfer,
marketplace experience featuring exclusive Cashback QRIS & Top up
promotions and immersive customer e-wallet
engagement activities, held from 6 March Kawan Baik Bestie
2026 to 38 March 2026. Free admin & Free admin & transfer,
transfer, QRIS Cashback QRIS, bills, & Top
Cashback up e-wallet
Sundown Markette Fest
Sundown Markette is a Ramadan-themed
Raya Points Loyalty Program
evening market featuring a diverse range of
merchants, attractive promotions, and
engaging lifestyle experiences designed to Reward Points
enhance customer participation and Enhance customers experience by giving reward
shopping activity. points for transactions, referral, upgrade
memberships. Every points can be used to
redeem the rewards
Periodic Promotions Pesta Raya
Lottery Program
Pesta Raya is Bank Raya’s rewards and lottery
Exclusive Monthly Promotions program that enables eligible customers to earn
Monthly campaigns featuring Raya Poin Raya Points through balance growth and
redemptions, cashback across multiple transactions on the Raya App. Points can be
redeemed for instant rewards or converted into
merchants, and MVP rewards to drive
lottery entries, while supporting customer
engagement and reinforce brand positioning. acquisition and retention, deposit growth, CASA
23
expansion, and increased digital transaction activity.
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Continuous Improvement in Business Enabler
Continuous improvements in technology, talent, and risk management to drive sustainable business growth.
Enhance Technology, Information, Ensure Smooth and Responsible Operations
and Cybersecurity Measures
Cloud Contact Center Accelerate Operation Automation
Contact Center utilizes infrastructure, Empowering developer to solve their own challenges
Big Data Technology reducing configuration time to under 1 day and add more value to company
Comprehensive big data to support business
decision effectively Robotic Processing Automation IT for Customer Securities
Enhance business processes to boost Enhance customer security by implementing ISO 27001
Single Core Banking - RayaNet productivity through the use of automation for an Information Security Management System (ISMS)
Strengthens the bank’s independence, agility, and
long-term strategic advantage.
Collection Voice Bot Sapa RAYA
A streamlined collection method that uses a
Cloud Infrastructure Enhance customer satisfaction by responding to requests
voice bot to enhance productivity
Gives business more flexibility without heavy
in under 2 minutes and resolving cases within 1 day
investment in physical infrastructure Good Governance in Operations
Implemented ISO 9001 (QMS & AML), ISO 20000-1 (IT Service Management), ISO 37001 (Anti-Bribery), and ISO/IEC
Enhancement of IT Governance 27001:2013 (Information Security).
Effective governance through comprehensive
assessments of IT maturity, cybersecurity risk, and
SOE security profiles
Enhance Talents’ Capabilities Sustainable Risk Management Improvement
IT Policy
Comprehensive policy for strong IT management Updating IT Knowledge & Skills Machine Learning for Credit Scoring
Enhancing and updating technological Enhance credit risk scoring using machine learning for a
Personal Data Protection knowledge through regular IT e-learning smoother loan process
Implement robust data protection measures to
ensure the security of customer information
Fraud Detection System
Strong Digital Talents Early Warning System using machine learning & statistics
Periodic training to improve digital
Cybersecurity Limit Monitoring
capabilities
Ensure customers security by implementing
Effective monitoring through automation to ensure
comprehensive cybersecurity measures
Risk and Compliance Culture accurate customer risk profiling
Agile Tech-Business Team Strengthening risk, compliance of procedure Integrated Risk Management
Remote collaboration between tech and business, and policy awareness Implementation of iCOFR, Risk Library and Data Privacy
ie: RayaWorkSpace, RayaTech
Protection
24
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Others
Page 26
Environment, Social, and Governance (ESG)
Continuously building a sustainable business, especially in digital, while creating positive impacts on Environment,
Social, and Governance.
Across ESG pillars, 11 initiative groupings comprising 33 programs were implemented
Green Banking Human Capital Product Governance
● Pinang Dana Talangan expanded through
Achieving sustainable growth through Green ● Achieved all key certifications (BSMR, SPPUR,
partners.
Audit, and General Banking).
Portfolio in FY25 :
● Pinang Performa Merchant Financing in limited
● Internal education (e-learning ESG, sharing pilot.
knowledge, and others.
● QRIS acquiring via Raya Open API at final stage.
● Digital lending reached IDR 3.20 Tn Total MSME loans
● Digital savings at IDR 2.30 Tn. (outstanding)
Human Right Corporate Governance
● Owning IDR 103 Bn in Green Bonds IDR 3.20 Tn
Sustainable land use ● RMI increased by 0.02 to 3.76 (prior: 3.74 last
Environment
Female employees make up 42.55% of the
Governance
and resources year).
IDR 1.59 Tn workforce.
● Bank Raya’s CGPI is steady at 85.05
Social
Addressing Scope
Financial Inclusion Business Ethics
Greenhouse Gas
● CSAT (Customer Satisfaction Score) scored 4.66, ● ISO 37001 will be implemented in 2H26.
Carbon emissions were reported on
exceeding the 4.20 target. ● ISO 9001 will be implemented in 2H26.
Sustainability Report and Responsible
Lending / Financing Disclosure ● Inspiraya program promoted public literacy 9
times (1Q26). Inspiraya was held three times in
Mar ‘26.
Information System &
Cybersecurity
● Security scorecard reached 92, exceeding the
Operational Efficiency target of 91.
● Energy usage decreased by 3.12% YoY. Corporate Social Responsibility ● Ketahanan dan Keamanan Siber (KKS)
● Paper consumption decreased by Mangrove planting achieved 100% success, guidelines were issued in Feb ‘26.
0.30% YoY. carbon uptake expected in May ‘26.
● PII dashboards migrated to Superset, Rayasim
dashboards fully accessible.
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Awards
Bank Raya has earned significant recognition across various categories, receiving multiple prestigious awards
Best Stock Awards 2025 Top 100 Digital Banks 2025 Indonesia Digital Innovation The 2nd Best Digital Bank 2025
Investor Trust The Banker Awards 2025 Infobank
February ’25 March ’25 Warta Ekonomi March ’25
March ’25
7th Anniversary Indonesia Best BUMN Entrepreneur The Best Investor Trust Awards 2025 Digital Innovation Awards 2025
CSR Awards 2025 Marketing Award 2025 Investor Trust iNews
The Iconomics Markplus May’25 May ’25
May ’25 May ’25
27
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Awards
Bank Raya has earned significant recognition across various categories, receiving multiple prestigious awards
The 2nd Best Digital Bank In SPEx2 Awards 2025 Solopos Best Brand and Innovation Investortrust BUMN Awards
Excellence Mobile Opening Account Kontan Awards 2025 2025
Infobank June ’25 Solopos Investor Trust
June ’25 July ’25 July ’25
IICD Awards 2025 Kata Data Green Safe Award Corporate Secretary Awards
IICD Kata Data SWA
September ’25 September ’25 September ’25
28
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Awards
Bank Raya has earned significant recognition across various categories, receiving multiple prestigious awards
Indonesia Best CX-EX IDX Channel Anugerah Anugerah Inspiratif Investor Daily ESG Appreciation
Strategy 2025 Inovasi Indonesia 2025 Liputan6.com 2025 Investor Daily
SWA IDX Channel Liputan6 November ’25
October ’25 October ’25 October ’25
Indonesia Good Corporate Governance Grab Ads Trailblazer Awards Disway Awards 2025
Award 2025 Grab Disway
SWA November ’25 December ’25
November ’25
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Awards
Bank Raya has earned significant recognition across various categories, receiving multiple prestigious awards
Most Trusted Financial
Indonesia Popular Digital
Brands Awards 2026
Product Awards 2026
Investor Trust
Iconomics
March ’25
February ’26
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Thank You
PT Bank Raya Indonesia Tbk is licensed and supervised by Financial Services Authority and
is a participant of Deposit Insurance Corporation
PT Bank Raya Indonesia, Tbk
Menara BRILian
Jl Jend. Gatot Subroto No. 177A
South Jakarta 12870
Phone. (021) 5093.1300 Fax. (021) 5093.1494
investor.relation@bankraya.co.id
This document and information contained hereinafter confidential and proprietary to PT Bank Raya Indonesia Tbk and shall not be published or disclosed to
any third party without the express written consent by an authorized representative of PT Bank Raya Indonesia Tbk
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