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PAPARAN PUBLIK PUBLIC EXPOSE PT Bank Oke Indonesia Tbk Jakarta, 20 Mei 2026
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Profil OK Bank
Profile OK Bank
AGENDA Kinerja 2025
2025 Performance
Strategi 2026
2026 Strategy
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PROFIL OK BANK Profile OK Bank
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PROFIL OK BANK KINERJA 2025 STRATEGY 2026
SUSUNAN PENGURUS MANAGEMENT
Dewan Komisaris Board of Commissioner
Komisaris Utama Sang Ton Sim President Commissioner
Komisaris Independen Sondang Martha Samosir Independent Commissioner
Komisaris Independen Chairudin Independent Commissioner
Direksi Board of Directors
Direktur Utama Kang Bong Joo President Director
Wakil Direktur Utama Hendra Lie Deputy President Director
Direktur Kredit Jong Ha Lee Credit Director
Direktur Bisnis* Sonny Firdaus Manopo* Business Director*
Direktur Kepatuhan Efdinal Alamsyah Compliance Director
*akan berlaku efektif setelah mendapatkan persetujuan dari Otoritas Jasa Keuangan (OJK) dan instansi berwenang lainnya.
Paparan Publik | Public Expose 4
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PROFIL OK BANK KINERJA 2025 STRATEGY 2026
SUSUNAN PENGURUS MANAGEMENT
Profil DewanKomisaris ProfilDireksi
Board of Commissioner’sProfile Directors’s Profile
Sang Ton Sim Kang Bong Joo Hendra Lie
Komisaris Utama Direktur Utama Wakil Direktur Utama
President Commissioner President Director Deputy President Director
Sondang Martha Samosir
Komisaris Independen
Independent Commissioner
Chairudin
Komisaris Independen Sonny Firdaus Manopo* Jong Ha Lee Efdinal Alamsyah
Independent Commissioner Direktur Bisnis* Direktur Kredit Direktur Kepatuhan
Business Director* Credit Director Compliance Director
Paparan Publik | Public Expose 5
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PROFIL OK BANK KINERJA 2024 STRATEGY 2025
KOMPOSISI PEMEGANG SAHAM COMPOTITION OF SHAREHOLDERS
31 Desember 2025
December 31, 2025
Nama Pemegang Saham Jumlah Saham
No. Persentase
Shareholders Name (Lembar Saham)
Percentage
Total Shares
(Shares) (%)
1. OK Next 15.288.673.243 90,51
2. Saham Treasury - -
3. Masyarakat 1.603.717.942 9,49
16.892.391.185 100,00
Jumlah
Pada 31 Desember 2025, OK Next (d/h APRO Financial) Co., Ltd. memiliki 15.288.673.243 lembar saham atau setara dengan 90,51% dari keseluruhan saham OK
BANK, sehingga OK Next (d/h APRO Financial) Co., Ltd. merupakan Pemegang Saham Utama dan Pemegang Saham Pengendali OK BANK. APRO Financial Co., Ltd.
merupakan perusahaan pembiayaan sektor kredit swasta terbesar di Korea yang didirikan tahun 1999 dengan nama awal A&O Financial. Pada tahun 2014,
melakukan ekspansi ke China dan Polandia dan mengubah nama menjadi APRO Financial Co., Ltd. Pada tanggal 18 Oktober 2023 usaha APRO berubah dari
financial menjadi non-financial. Pada tanggal 12 Desember 2023, APRO Financial Co., Ltd. berubah nama menjadi OK Next Co., Ltd.
As of December 31, 2025, OK Next (formerly APRO Financial) Co., Ltd. has 15,288,673,243 shares, equivalent to 90.51% of OK BANK’s total shares, resulting in OK
Next (formerly APRO Financial) Co., Ltd. as the Major Shareholder and Controlling Shareholder of OK BANK. APRO Financial Co., Ltd. is the largest private-sector
credit financing company in Korea, established in 1999 initially under the name A&O Financial. In 2014, it expanded into China and Poland and changed its name to
APRO Financial Co., Ltd. On October 18, 2023, APRO’s business changed from financial to non-financial. Subsequently, on December 12, 2023, APRO Financial Co.,
Ltd. changed its name to OK Next Co., Ltd. Paparan Publik | Public Expose 6
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PROFIL OK BANK KINERJA 2024 STRATEGY 2025
JARINGAN BRANCHES
Wilayah OperasiOKBANK Berdasarkan Jumlah Provinsi
Based on Number of Provinces
OK BANK OperationalArea Kantor Pusat
Head Office
Kantor Pusat Kantor Cabang Kantor Cabang Pembantu
Head Office Branch Office Sub-Branch Office 1 DKI Jakarta Kantor Pusat
Head Office
1 DKI Jakarta 1 DKI Jakarta 8 DKI Jakarta Kantor Cabang
Branch Office PT Bank Oke Indonesia, Tbk.
1 1 1 Jl. Ir. H. Juanda No.12
DKIJakarta Jawa Tengah Bali Jakarta Pusat 10120, Indonesia
Central Java Phone : 021 - 2312633
1 Fax : 021 - 2312604
1
Jawa Barat Jawa Timur E-mail : customercare@okbank.co.id
West Java East Java
Kantor Cabang Pembantu
Sub-Branch Office
8 1 1
DKI Jakarta Banten Jawa Barat
West Java
Kantor Cabang Pembantu
Sub-Branch Office Kantor Cabang
Branch Office
1 Banten
1 Bali
ATM OK Bank
Kantor Cabang
Branch Office
Jakarta (3)
Kantor Cabang Kantor Cabang
Branch Office Branch Office
1 Jawa Timur Jawa Timur East Java (1)
1 Jawa Barat 1 Jawa Tengah Bali (1)
Paparan Publik | Public Expose 7
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KINERJA 2025 2025 Performance
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PROFIL OK BANK KINERJA 2025 STRATEGY 2026
KINERJA 2025 2025 PERFORMANCE
Uraian
2025 2024 2023
Description
Aset │ Assets 13.417.628 11.870.492 11.075.151
Dana Pihak Ketiga │ Third Party Funds 8.978.371 7.543.763 6.814.007
Pinjaman yang Diberikan │ Loans 10.734.810 9.300.153 8.527.881
Pendapatan Bunga Bersih │ Net Interest Income 688.876 601.419 603.360
Laba Bersih │ Net Profit 159.975 49.988 28.652
Total Ekuitas │ Total Equity 3.797.430 3.635.682 3.584.486
Modal Ditempatkan dan Disetor Penuh │ Issued and Fully
1.689.239 1.703.779 1.703.779
Paid Capital
KPMM │ Capital Adequacy Ratio 42,21 46,83 49,22
Return on Asset (RoA) 1,70 0,61 0,35
Return on Equity (RoE) 4,35 1,41 0,46
Margin Bunga Bersih │ Net Interest Margin (NIM) 5,67 5,58 5,87
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PROFIL OK BANK KINERJA 2025 STRATEGY 2026
KINERJA 2025 2025 PERFORMANCE
Paparan Publik | Public Expose 10
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STRATEGI 2026 2026 Strategy
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PROFIL OK BANK KINERJA 2025 STRATEGY 2026
STRATEGI 2026 2026 STRATEGY
Penguatan Aset
Assets Strengthening
Menjelang tahun 2026, OK BANK berfokus pada penguatan aset sebagai dasar
pertumbuhan yang berkelanjutan. Strategi utama mencakup peningkatan kualitas
portofolio debitur, ekspansi kredit ritel dan korporasi secara selektif, serta diversifikasi
produk dan layanan.
Selain itu, Bank mengoptimalkan jaringan secara strategis, memperkuat manajemen risiko,
serta meningkatkan efisiensi operasional. Seluruh upaya ini diarahkan untuk memperkuat
fondasi keuangan dan mendorong pertumbuhan yang stabil dan sehat.
In preparation for 2026, OK BANK is focusing on strengthening its assets as the foundation
for sustainable growth. Key strategies include improving the quality of the loan portfolio,
selectively expanding retail and corporate lending, and diversifying products and services.
In addition, the Bank is optimizing its network strategically, strengthening risk
management, and enhancing operational efficiency. All of these efforts are aimed at
reinforcing the Bank’s financial foundation and driving stable and healthy growth.
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PROFIL OK BANK KINERJA 2025 STRATEGY 2026
STRATEGI 2026 2026 STRATEGY
Profitabilitas
Profitability
OK BANK mendorong peningkatan profitabilitas melalui transformasi digital, efisiensi
operasional, serta pengembangan layanan berbasis teknologi. Fokus pada penyaluran
kredit yang berkualitas, diversifikasi produk, dan penerapan manajemen risiko yang
prudent menjadi kunci dalam menghasilkan pendapatan yang berkelanjutan.
Langkah-langkah ini diharapkan mampu menjaga stabilitas keuangan sekaligus
meningkatkan kinerja Bank secara berkesinambungan.
OK BANK is driving profitability growth through digital transformation, operational
efficiency, and the development of technology-based services. A focus on high-quality
lending, product diversification, and the implementation of prudent risk management
serves as the key to generating sustainable income.
These initiatives are expected to maintain financial stability while enhancing the Bank’s
performance on an ongoing basis.
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PROFIL OK BANK KINERJA 2025 STRATEGY 2026
STRATEGI 2026 2026 STRATEGY
Penguatan Liabilitas & Pendanaan
Liability & Funding Strengthening
OK BANK memperkuat struktur pendanaan guna mendukung OK BANK strengthens its funding structure to support sustainable
pertumbuhan bisnis yang berkelanjutan, diantaranya: business growth, including the following initiatives:
1. Meningkatkan fitur dan layanan pada produk tabungan dan 1. Enhancing features and services of savings and current account
giro untuk memperkuat daya saing, meningkatkan products to strengthen competitiveness, improve transaction
kenyamanan bertransaksi, serta menyesuaikan penawaran convenience, and align product offerings with increasingly
produk dengan kebutuhan nasabah yang semakin dinamis. dynamic customer needs.
2. Mengembangkan program pendanaan jangka menengah 2. Developing medium-term funding programs with competitive
dengan manfaat yang kompetitif guna menjaga stabilitas benefits to maintain the stability of third-party funds, increase
dana pihak ketiga, meningkatkan loyalitas nasabah, serta customer loyalty, and support sustainable funding growth.
mendukung pertumbuhan pendanaan yang berkelanjutan. 3. Participating as a sub-distribution partner in the marketing of
3. Berpartisipasi sebagai sub-mitra distribusi dalam pemasaran government-issued retail bonds (SBN) to expand investment
produk Surat Berharga Negara (SBN) ritel yang diterbitkan alternatives for customers while supporting the deepening of
pemerintah, sebagai upaya memperluas alternatif investasi the national financial market.
bagi nasabah sekaligus mendukung pendalaman pasar 4. Strengthening payroll services to increase transaction volumes,
keuangan nasional. expand the customer base, and create opportunities for the
4. Memperkuat layanan payroll untuk meningkatkan volume development of other banking products and services on a
transaksi, memperluas basis nasabah, serta membuka sustainable basis.
peluang pengembangan produk dan layanan perbankan
lainnya secara berkelanjutan.
Paparan Publik | Public Expose 14
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Terima kasih Thank you Jakarta, 20 Mei 2026
Names mentioned 18 people and organisations named in the text · linked when the evidence is strong
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Bank Profile OK Bank
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Deputy
· President Director
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Pemegang Saham Pengendali OK BANK. APRO Financial Co., Ltd.
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OK BANK. APRO Financial Co., Ltd.
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Ir. H. Juanda
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org
Bank Kantor Cabang Branch Office
p.7
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