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Surabaya, 25 Mei 2026
Nomor : XXXVII/314/AA/SBY/05/2026
Lampiran : 1 (satu) set + 1 (satu) Lampiran
Perihal : Laporan Hasil Public Expose PT Bank Maspion Indonesia Tbk / Public Expose Report
xxxxxxxxDisclosure PT Bank Maspion Indonesia Tbk
Kepada Yth / To
PT Bursa Efek Indonesia / Indonesia Stock Exchange (IDX)
Gedung Bursa Efek Indonesia / Indonesia Stock Exchange Building
Jl. Jend Sudirman Kav 52 - 53
Jakarta 12190
Dengan Hormat, Dear Sir/Madam
Menunjuk Peraturan Bursa Efek No. 1-E tentang Referring to Indonesia Stock Exchange
kewajiban penyampaian informasi khususnya Regulation No. I-E regarding the obligation to
poin V.4 tentang tata cara pelaksanaan Public submit information, specifically point V.4
Expose Tahunan, bersama ini kami informasikan concerning the procedures for conducting the
bahwa Perseroan telah menyelenggarakan Annual Public Expose, we hereby inform you
acara Public Expose pada hari Rabu, 20 Mei 2026 that the Company has held its Public Expose
bertempat di Gedung Pacific Century Place, Jl. event on Wednesday, May 20, 2026, at Pacific
Jend. Sudirman kav 52-53 No. Lot 10 RT.5/RW.3, Century Place Building, Jl. Jend. Sudirman Kav.
Senayan, Kec. Kby. Baru, Jakarta Selatan, 12190. 52-53 No. Lot 10, RT.5/RW.3, Senayan, Kby. Baru
District, South Jakarta, 12190.
Acara tersebut dihadiri oleh Perwakilan The event was attended by the following
Manajemen Perseroan sebagai berikut; representatives of the Company’s Management:
Nama / Name Jabatan / Position
Kasemsri Charoensiddhi Direktur Utama / President Director
Irawan Rukmanto Direktur Operational / Operations Director
Jeffrey Bob Karman Direktur Risiko / Risk Director
Deasy Wulaningsih Chief Finance Officer
Iwan Djayawasita Head of Corporate Secretary
Kami lampirkan juga daftar hadir para undangan We also attach the attendance list of invited
beserta daftar tanya jawab dalam acara Public guests, along with the list of questions and
Expose. Materi yang disajikan dalam Public answers discussed during the Public Expose
Expose, sesuai dengan materi yang telah event. The materials presented in the Public
disampaikan oleh Perseroan pada tanggal 13 Expose were in accordance with the
Mei 2026. presentation submitted by the Company on May
13, 2026.
Demikian kami sampaikan, atas perhatiannya Thus, we hereby convey this information. Thank
kami sampaikan terima kasih. you for your kind attention.
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Hormat kami, PT Bank Maspion Indonesia Tbk Kasemsri Charoensiddhi Viktor Ebenheizer Fanggidae Direktur Direktur Utama PJS Direktur Bisnis / Direktur Kepatuhan / Compliance Director President Director serving as Acting Business Director
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TANYA JAWAB PELAKSANAAN PUBLIC EXPOSE
PT. BANK MASPION INDONESIA TBK
1. Dari: Ibu LIDIA TESA – Media KONTAN
Pertanyaan Question
1) Dominasi KBank di Bank Maspion saat ini 1) KBank’s ownership in Bank Maspion is
cukup signifikan. Bagaimana peta nasabah currently quite significant. What does Bank
Bank Maspion saat ini? Apakah kredit lebih Maspion’s customer portfolio look like
didominasi oleh segmen korporasi, dan today? Is lending predominantly focused on
berasal dari sektor apa saja? Apakah the corporate segment, and which sectors
didominasi oleh korporasi multinasional, contribute the most? Is the portfolio
khususnya di ASEAN? dominated by multinational corporations,
particularly those within ASEAN?
2) Terkait LDR, bagaimana strategi Bank 2) With regard to the Loan-to-Deposit Ratio
Maspion ke depan dalam membiayai kredit? (LDR), what is Bank Maspion’s forward
Apakah Bank Maspion juga terbuka untuk strategy in funding its loan growth? Is Bank
menerbitkan surat utang? Bagaimana Maspion also open to issuing debt
prospek penerbitan surat utang tersebut? securities? How do you view the prospects
for such debt issuance going forward?
3) Sehubungan dengan kenaikan BI Rate 3) Following the 50 basis point increase in the
sebesar 50 basis poin, bagaimana prospek BI Rate, how does Bank Maspion view the
terhadap penyaluran kredit dan kinerja bank outlook for loan disbursement and the
ke depan? Bank’s performance going forward?
Jawaban Answer
1) (Dijawab oleh Direktur Risiko, Bapak 1) (Answered by Risk Director, Mr. Jeffrey
Jeffrey Bob Karman): Bob Karman):
Saat ini Bank Maspion tidak secara khusus At present, Bank Maspion is not specifically
fokus pada pembiayaan perusahaan di focused on financing companies in the
kawasan ASEAN maupun luar negeri. Fokus ASEAN region or overseas. Our focus
kami masih kepada perusahaan-perusahaan remains on local companies in Indonesia as
lokal di Indonesia sebagai bagian dari part of our commitment to supporting
dukungan terhadap pertumbuhan ekonomi national economic growth, including
nasional, termasuk perusahaan yang terkait companies affiliated with institutions such
dengan institusi seperti KPEI maupun BUMN as KPEI and other state-owned enterprises
lainnya. (SOEs).
(Tambahan jawaban oleh Direktur Utama, (Additional response by President Director,
Ibu Kasemsri Charoensiddhi): Ms. Kasemsri Charoensiddhi):
Mayoritas kredit Bank Maspion masih The majority of Bank Maspion’s lending
berada pada segmen korporasi domestik. portfolio remains concentrated in the
Berdasarkan komposisi sektor, portofolio domestic corporate segment. Based on
terbesar berada pada sektor jasa keuangan, sector composition, the largest portion of
termasuk aktivitas keuangan dan asuransi, the portfolio is in the financial services
yang mencapai sekitar 32,78% dari total sector, including financial and insurance
portofolio. Sektor terbesar berikutnya activities, which accounts for approximately
adalah industri manufaktur sebesar 32,12%, 32.78% of the total portfolio. The next
diikuti oleh sektor perdagangan besar dan largest sector is manufacturing at 32.12%,
eceran sebesar 16,93%.
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followed by wholesale and retail trade at
16.93%.
2) (Dijawab oleh Chief Finance Officer, Ibu 2) (Answered by Chief Finance Officer, Mrs.
Deasy Wulaningsih): Deasy Wulaningsih):
Rasio Loan to Deposit Ratio (LDR) Bank Bank Maspion’s Loan to Deposit Ratio (LDR)
Maspion pada tahun 2025 tercatat sebesar in 2025 stood at 148%. To support loan
148%. Dalam mendukung pertumbuhan growth, the Company manages its funding
kredit, Perseroan mengelola pendanaan through a combination of several funding
melalui kombinasi beberapa sumber, sources, including long-term loan facilities
termasuk fasilitas pinjaman jangka panjang from its Head Quarter (KBank). As of
dari Head Quarter (KBank). Hingga December 2025, Bank Maspion had
Desember 2025, Bank Maspion telah obtained long-term loan facilities from
memperoleh fasilitas pinjaman jangka KBank amounting to approximately IDR 1.3
panjang dari KBank sebesar sekitar Rp1,3 trillion. This support also helped reduce the
triliun. Dukungan tersebut turut membantu Macroprudential Intermediation Ratio
menurunkan Rasio Intermediasi (RIM) to around 131%. With adequate
Makroprudensial (RIM) menjadi sekitar liquidity support from KBank, the Company
131%. Dengan dukungan likuiditas yang currently has no plans to issue debt
masih memadai dari KBank, hingga saat ini securities.
Perseroan belum memiliki rencana untuk
menerbitkan surat utang.
3) (Dijawab oleh Direktur Utama, Ibu Kasemsri 3) (Answered by President Director, Ms.
Charoensiddhi): Kasemsri Charoensiddhi):
Kenaikan BI Rate sebesar 50 basis poin The 50 basis point increase in the BI Rate
merupakan kenaikan yang cukup signifikan was a fairly significant hike and exceeded
dan berada di atas ekspektasi awal the Company’s initial expectation, which
Perseroan yang sebelumnya memperkirakan had previously projected an increase of
kenaikan di kisaran 25 basis poin. Menyikapi around 25 basis points. In response to these
kondisi tersebut, Perseroan terus melakukan conditions, the Company continues to
evaluasi terhadap strategi penyesuaian suku evaluate its loan interest rate adjustment
bunga kredit dengan tetap strategy while taking market competition
mempertimbangkan kondisi persaingan di into consideration. On the other hand,
pasar. Di sisi lain, kondisi likuiditas yang relatively tight liquidity conditions have also
masih relatif ketat juga mendorong encouraged the Company to be more
Perseroan untuk lebih selektif dan berhati- selective and prudent in managing funding
hati dalam pengelolaan funding agar biaya in order to keep the cost of funds under
dana (cost of fund) tetap terjaga. Perseroan control. The Company will continue to
akan terus memonitor perkembangan pasar monitor market developments as a basis for
sebagai dasar dalam menentukan langkah determining its future strategies and
dan strategi ke depan. actions.
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2. Dari: Bapak DONO – Media SWA
Pertanyaan Question
1) Melengkapi Pertanyaan Sebelumnya: 1) Melengkapi Pertanyaan Sebelumnya:
Mohon penjelasan terkait pendapatan dan Mohon penjelasan terkait pendapatan dan
laba bersih pada akhir tahun 2025 laba bersih pada akhir tahun 2025
dibandingkan dengan tahun 2024. Selain itu, dibandingkan dengan tahun 2024. Selain itu,
bagaimana kinerja hingga Triwulan I 2026 bagaimana kinerja hingga Triwulan I 2026
serta proyeksi hingga akhir tahun 2026 dari serta proyeksi hingga akhir tahun 2026 dari
Bank Maspion? Bank Maspion?
Jawaban Answer
1) (Dijawab oleh Chief Finance Officer, Ibu 1) (Answered by Chief Finance Officer, Mrs.
Deasy Wulaningsih): Deasy Wulaningsih):
Pada tahun 2025, Bank Maspion berhasil In 2025, Bank Maspion successfully recorded
membukukan laba bersih sebesar Rp31,8 a net profit of IDR 31.8 billion, improving
miliar, membaik dibandingkan tahun 2024 from a net loss of IDR 247.2 billion in 2024.
yang masih mencatatkan rugi bersih sebesar This improvement reflects the strengthening
Rp247,2 miliar. Perbaikan tersebut of the Company’s business performance and
mencerminkan penguatan kinerja bisnis dan the effectiveness of the strategies
efektivitas strategi yang dijalankan implemented. Entering 2026, the Company
Perseroan. Memasuki tahun 2026, remains focused on maintaining its growth
Perseroan tetap berfokus untuk menjaga momentum and delivering positive
tren pertumbuhan dan membukukan kinerja performance while taking into account the
yang positif dengan tetap memperhatikan established business plan, liquidity
rencana bisnis yang telah ditetapkan, kondisi conditions, as well as the evolving dynamics
likuiditas, serta dinamika pasar dan industri of the market and banking industry.
perbankan yang terus berkembang.
3. Dari: Bapak BAYU – Media Property & Bank
Pertanyaan Question
1) Bagaimana posisi Bank Maspion 1) How does Bank Maspion position itself
dibandingkan Bank swasta lain di Indonesia? compared to other private banks in
Indonesia?
2) Layanan digital saat ini merupakan salah 2) Digital banking services have become one of
satu layanan yang sangat efektif bagi semua the most effective services across the
perbankan di Indonesia. Bagaimana strategi banking industry in Indonesia today. What is
Bank Maspion dalam mengembangkan Bank Maspion’s strategy in developing its
layanan digital ini? digital banking services?
Jawaban Answer
Jawaban (Direktur Utama, Ibu Kasemsri Answers (President Director, Ms. Kasemsri
Charoensiddhi): Charoensiddhi):
1) Per akhir tahun 2025, posisi Bank Maspion 1) As of the end of 2025, Bank Maspion ranked
berada pada peringkat ke-32 di industri 32nd in the Indonesian banking industry
perbankan Indonesia berdasarkan posisi based on loan position, rather than total
kredit (loan position), bukan berdasarkan assets.
total aset.
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Jawaban (Direktur Utama, Ibu Kasemsri Answers (President Director, Ms. Kasemsri
Charoensiddhi): Charoensiddhi):
2) Saat ini Bank Maspion sedang berfokus pada 3) Currently, Bank Maspion is focusing on
penguatan fundamental, khususnya pada strengthening its fundamentals, particularly
sistem core banking. Dalam proses tersebut, its core banking system. As part of this
Perseroan memiliki rencana untuk process, the Company plans to enhance and
melakukan peningkatan dan kemungkinan potentially upgrade its existing core banking
penyesuaian pada sistem core banking yang system. Following the completion of this
digunakan saat ini. Setelah penguatan foundational strengthening, the Company
fundamental tersebut selesai, Perseroan will continue to expand its digital banking
akan melanjutkan pengembangan kapasitas capabilities through internet banking and
layanan digital, baik melalui internet banking mobile banking services, including the
maupun mobile banking, termasuk enhancement of cash management services.
penguatan layanan cash management. Overall, Bank Maspion remains committed
Secara keseluruhan, Bank Maspion akan to strengthening all aspects of its digital
terus memperkuat seluruh aspek layanan capabilities to improve the Company’s
digital guna meningkatkan kapabilitas dan competitiveness and long-term growth.
daya saing Perseroan ke depan.
4. Dari: Bapak ERMAN – Media InfoBank
Pertanyaan Question
1) Mohon informasi terkait rencana belanja 1) Could you please provide information
modal (CAPEX) Perseroan untuk tahun ini? regarding the Company’s capital
expenditure (CAPEX) plan for this year?
Jawaban, oleh Chief Finance Officer, Ibu Answer by Chief Finance Officer, Mrs. Deasy
Deasy Wulaningsih: Wulaningsih:
1) Belanja modal (capital expenditure/CAPEX) 1) The Company’s capital expenditure (CAPEX)
Perseroan pada tahun 2026 diproyeksikan in 2026 is projected to remain relatively
relatif stabil dibandingkan tahun 2025, stable compared to 2025, with no significant
tanpa adanya perubahan yang signifikan. changes expected. The current recorded
Saat ini saldo yang tercatat berada di kisaran balance stands at approximately IDR 100
Rp100 miliar, yang mencerminkan posisi billion, which reflects a balance position
balance dan bukan nilai pengeluaran rather than actual expenditure (expense).
(expense). Dengan demikian, realisasi CAPEX Accordingly, the Company’s CAPEX
Perseroan tetap terjaga stabil dibandingkan realization remains stable compared to the
tahun sebelumnya. previous year.
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Indonesia Stock Exchange
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PJS
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LIDIA TESA
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Bank Maspion
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Bank Bank Maspion
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Bank Maspion’s
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KPEI
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Bank Maspion’s Loan
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Kasemsri
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Charoensiddhi
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DONO
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BAYU
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Deasy Deasy Wulaningsih
p.6 ×3
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