Interim report
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CONSOLIDATED FINANCIAL STATEMENT PT BANK RAKYAT INDONESIA (PERSERO) Tbk June 30, 2026
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STATEMENTS OF FINANCIAL POSITION PT BANK RAKYAT INDONESIA (PERSERO) Tbk As of June 30, 2026 and December 31, 2025 (in million rupiah) INDIVIDUAL CONSOLIDATED June 30, 2026 December 31, 2025 June 30, 2026 December 31, 2025 ASSETS 1. Cash 24,600,345 31,975,034 24,743,629 32,044,482 2. Placements with Bank Indonesia 100,207,247 39,576,502 101,094,935 40,254,114 3. Placements with other banks 64,696,528 53,075,759 67,571,394 55,168,542 4. Spot and derivative/forward receivables 1,731,055 1,161,614 1,738,256 1,167,029 5. Securities 306,946,529 357,542,499 338,714,632 391,644,693 6. Securities sold under repurchase agreement (repo) 96,666,148 29,340,140 98,486,313 29,340,192 7. Securities purchased with agreement to resell (reverse repo) 6,690,911 24,452 6,690,911 24,452 8. Acceptances receivables 7,697,911 13,078,567 7,697,911 13,078,567 9. Loans 1,437,597,532 1,342,673,712 1,580,422,630 1,460,729,418 10. Sharia Loans - - 61,208,742 56,350,282 11. Finance receivables - - 3,901,426 4,406,157 12. Investments in shares 51,161,679 51,300,972 8,737,698 8,834,868 13. Other financial assets 22,314,053 12,281,112 31,290,092 19,040,642 14. Impairment on financial assets -/- a. Securities (984,492) (554,918) (984,579) (555,017) b. Loans (75,894,403) (72,903,722) (85,756,765) (82,893,734) c. Others (254,078) (44,658) (602,902) (394,618) 15. Intangible assets - - 806,416 806,416 Accumulated amortisation for intangible assets -/- - - - - 16. Premises and equipment 69,749,464 68,708,433 95,745,381 94,045,303 Accumulated depreciation on premises and equipment -/- (25,390,335) (23,342,308) (33,351,611) (30,751,063) 17. Non-productive assets a. Abandoned property 17,311 17,311 17,311 17,311 b. Foreclosed assets 50,864 50,837 100,498 100,471 c. Suspense account - - - - d. Inter office assets 13,434 13,317 13,434 13,317 18. Other assets 25,519,724 27,561,204 44,094,837 42,899,281 TOTAL ASSETS 2,113,137,427 1,931,535,859 2,352,380,589 2,135,371,105 LIABILITIES AND EQUITY LIABILITIES 1. Demand deposits 450,904,972 450,129,463 449,565,770 448,203,670 2. Savings deposits 616,365,097 584,892,761 619,099,972 587,585,862 3. Time deposits 507,292,738 425,066,471 512,016,144 431,054,307 4. Electronic money 644,695 614,383 644,695 614,383 5. Liabilities to Bank Indonesia 47,491 47,462 48,226 47,462 6. Liabilities to other banks 18,175,089 17,908,511 18,017,852 17,601,436 7. Spot and derivative/forward payable 8,570,471 1,101,701 8,570,471 1,101,753 8. Liabilities on securities sold under repurchase agreements (repo) 94,063,132 27,932,749 95,791,406 27,932,749 9. Acceptances payable 7,697,911 13,078,567 7,697,911 13,078,567 10. Securities issued 16,143,518 11,596,380 42,556,211 40,901,648 11. Fund borrowings 50,243,098 32,599,096 180,583,166 129,657,345 12. Deposit guarantee 14,596 14,074 14,644 14,122 13. Inter office liabilities - - - - 14. Other liabilities 48,518,576 67,058,066 89,099,243 106,636,367 TOTAL LIABILITIES 1,818,681,384 1,632,039,684 2,023,705,711 1,804,429,671 No. DESCRIPTION
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STATEMENTS OF FINANCIAL POSITION PT BANK RAKYAT INDONESIA (PERSERO) Tbk As of June 30, 2026 and December 31, 2025 (in million rupiah) INDIVIDUAL CONSOLIDATED June 30, 2026 December 31, 2025 June 30, 2026 December 31, 2025 No. DESCRIPTION EQUITY 15. Share capital a. Authorised capital 15,000,000 15,000,000 15,000,000 15,000,000 b. Unpaid‐in capital -/- (7,422,050) (7,422,050) (7,422,050) (7,422,050) c. Treasury stock -/- (4,018,270) (4,463,270) (4,018,270) (4,463,270) 16. Additional Paid‐in Capital a. Agio 76,323,812 76,339,022 75,930,985 75,946,195 b. Disagio -/- - - - - c. Funds for paid up capital - - - - d. Others 450,711 575,039 2,209,291 2,333,619 17. Other comprehensive a Gain 20,179,230 20,820,990 20,973,140 22,174,083 b Loss -/- (1,974,234) (1,686,054) (2,345,311) (2,198,097) 18. Reserve a. General reserve 3,022,685 3,022,685 3,022,685 3,022,685 b. Appropriated reserves - - - - 19. Retained Earning a. Previous years 217,478,850 198,632,659 239,809,730 214,715,081 b. Current year 27,517,724 50,403,926 30,865,402 56,652,384 c. Dividends paid out -/- (52,102,415) (51,726,772) (52,102,415) (51,726,772) TOTAL EQUITIES ATRIBUTABBLE TO OWNERS 294,456,043 299,496,175 321,923,187 324,033,858 20. Minority interest - - 6,751,691 6,907,576 TOTAL EQUITIES 294,456,043 299,496,175 328,674,878 330,941,434 TOTAL LIABILITIES AND EQUITIES 2,113,137,427 1,931,535,859 2,352,380,589 2,135,371,105
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STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE PT BANK RAKYAT INDONESIA (PERSERO) Tbk For the Six-Month Period Ended June 30, 2026 and 2025 (in million rupiah) INDIVIDUAL CONSOLIDATED June 30, 2026 June 30, 2025 June 30, 2026 June 30, 2025 (Unaudited) (Unaudited) OPERATING INCOME AND EXPENSES A. Interest Income and Interest Expenses, and Insurance Services Income and Expenses 1. Interest income 81,772,565 81,849,258 107,923,454 102,376,278 2. Interest expenses 22,541,287 25,689,560 27,393,012 29,101,706 Net Interest Income (Expenses) 59,231,278 56,159,698 80,530,442 73,274,572 3. Insurance Services Income - - 3,506,148 4,488,953 4. Insurance Services Expense - - 2,857,459 4,051,846 Net Insurance Services Income (Expenses) - - 648,689 437,107 Net Interest, and Net Insurance Services 59,231,278 56,159,698 81,179,131 73,711,679 B. Other Operating Income and Expenses 1. Gain (Loss) from increase (decrease) in fair value of financial assets 2,359,948 3,180,472 2,707,777 3,555,624 2. Gain (Loss) from decrease (increase) in fair value of financial liabilities - - - - 3. Gain (Loss) from sale of financial assets 1,279,061 1,194,542 1,244,010 1,240,437 4. Gain (Loss) from spot and derivative transaction/foward (realised) (2,078,730) (1,871,770) (2,066,472) (1,868,442) 5. Gain (Loss) from investment in shares under equity method 556,638 454,435 556,638 589,743 6. Gain (Loss) from foreign currencies translation - - 69 - 7. Dividend income 4,535,547 3,155,538 50 2,858 8. Comissions/provisions/fees and administrative 10,475,022 9,990,182 11,016,991 10,392,891 9. Other income 10,049,570 10,981,976 59,317,087 39,129,897 10. Impairment for financial assets 23,292,616 21,081,021 25,514,883 23,271,787 11. Losses related to operational risk 29,748 701,209 224,647 686,726 12. Salaries and employee benefits 14,075,517 15,287,123 21,590,299 21,735,052 13. Promotion expenses 642,705 993,321 846,970 1,120,148 14. Other expenses 14,575,417 13,931,930 65,598,671 44,940,086 Other Operating Income (Expenses) (25,438,947) (24,909,229) (40,999,320) (38,710,791) PROFIT (LOSS) FROM OPERATIONS 33,792,331 31,250,469 40,179,811 35,000,888 NON OPERATING INCOME AND EXPENSES 1. Gain (Loss) from sale of premises and equipment 2,399 10,418 19,316 11,766 2. Other non operating income (expenses) (193,746) (284,092) (197,918) (268,458) PROFIT FROM NON OPERATING (191,347) (273,674) (178,602) (256,692) PROFIT CURRENT YEAR BEFORE TAX 33,600,984 30,976,795 40,001,209 34,744,196 Income tax expenses a. Estimated current tax -/- 6,668,800 5,399,995 9,402,385 6,771,142 b. Deffered tax income (expenses) 585,540 (781,939) 583,762 (1,439,907) PROFIT (LOSS) CURRENT PERIOD 27,517,724 24,794,861 31,182,586 26,533,147 PROFIT (LOSS) MINORITY INTEREST - - - - OTHER COMPREHENSIVE INCOME 1. Unreclassified to profit (loss) a. - - (15,583) - b. 2,196,297 1,023,441 2,332,915 1,030,666 c. Others (417,296) (194,454) (447,288) (196,043) 2. Reclassified to profit (loss) a. (31,050) 238,092 (29,039) 236,447 b. (3,298,423) 2,470,313 (4,700,036) 3,083,809 c. Others 620,532 (481,004) 1,207,386 (658,237) OTHER COMPREHENSIVE INCOME CURRENT PERIOD AFTER INCOME TAX - NET (929,940) 3,056,388 (1,651,645) 3,496,642 TOTAL OTHER COMPREHENSIVE INCOME CURRENT PERIOD 26,587,784 27,851,249 29,530,941 30,029,789 Profit (loss) current period atributtable to : - Parent company 27,517,724 24,794,861 30,865,402 26,276,701 - Non controlling interest 317,184 256,446 TOTAL PROFIT (LOSS) CURRENT PERIOD 27,517,724 24,794,861 31,182,586 26,533,147 Total comprehensive profit (loss) current period atributtable to: - Parent company 26,587,784 27,851,249 29,517,245 29,619,862 - Non controlling interest 13,696 409,927 TOTAL COMPREHENSIVE PROFIT (LOSS) CURRENT PERIOD 26,587,784 27,851,249 29,530,941 30,029,789 TRANSFER PROFIT (LOSS) TO HEAD OFFICE - - - - DIVIDEND - - - - EARNING PER SHARE (In Rupiah) 183 165 205 174 Premises and equipment revaluation decrement Remeasurement from actuarial benefit program Gain (loss) from adjustments arising resulting from translation of financial statement Gain (Loss) from changes of financial assets on available for sale No. DESCRIPTION
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STATEMENTS OF COMMITMENTS AND CONTIGENCIES PT BANK RAKYAT INDONESIA (PERSERO) Tbk As of June 30, 2026 and December 31, 2025 (in million rupiah) INDIVIDUAL CONSOLIDATED June 30, 2026 December 31, 2025 June 30, 2026 December 31, 2025 I. COMMITMENT RECEIVABLES 1. Unused fund borrowings/financing facilities - - - - 2. Outstanding purchase position on spot and derivative 114,875,021 57,618,468 114,875,021 57,618,468 3. Others - - - - II. COMMITMENT PAYABLES 1. Unused loan facilities granted to customer a. Committed - - 141,386 115,673 b. Uncommitted 129,962,503 134,270,344 129,962,504 134,270,344 2. Outstanding irrevocable letters of credit 11,369,645 13,549,757 11,369,645 13,549,757 3. Outstanding sales position on spot and derivative 237,659,535 157,153,569 237,659,535 157,153,569 4. Others - - - - III. CONTINGENT RECEIVABLES 1. Guarantees received - - - - 2. Others 143,040 1,251,426 143,040 1,251,426 IV. CONTINGENT PAYABLES 1. Guarantees issued 74,410,059 66,915,676 74,410,059 66,915,676 2. Others 1,136,635 3,031,892 1,136,635 3,031,892 DESCRIPTIONNo.
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STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS PT BANK RAKYAT INDONESIA (PERSERO) Tbk As of June 30, 2026 (in million rupiah) INDIVIDUAL NO. TRANSACTION Notional Amount Type Derivative Receivables & Payables Trading Hedging Receivables Payables A. Exchange Rate Related 1 Spot 8,104,137 8,104,137 - 4,170 5,624 2 Forward 165,222,321 165,222,321 - 515,248 4,130,965 3 Option a. Written 10,680,840 10,680,840 - - 29,137 b. Purchased - - - - - 4 Future - - - - - 5 Swap 170,180,208 170,180,208 - 676,284 3,791,046 6 Others - - - - - B. Interest Rate Related 1 Spot - - - - - 2 Forward - - - - - 3 Option a. Written - - - - - b. Purchased - - - - - 4 Future - - - - - 5 Swap 14,846,962 14,846,962 - 141,488 148,308 6 Others - - - - - C. Others 29,269,813 29,269,813 - 393,865 465,391 TOTAL 398,304,281 398,304,281 - 1,731,055 8,570,471
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STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION PT BANK RAKYAT INDONESIA (PERSERO) Tbk As of June 30, 2026 and 2025 (in million rupiah) INDIVIDUAL June 30, 2026 June 30, 2025 (Unaudited) Current Special Mention Sub Standard Doubtful Loss Total Current Special Mention Sub Standard Doubtful Loss Total I. RELATED PARTIES 1. Placements with other banks a. Rupiah 220,000 - - - - 220,000 100,000 - - - - 100,000 b. Foreign currencies - - - - - - - - - - - - 2. Spot and derivative receivables/forward a. Rupiah - - - - - - - - - - - - b. Foreign currencies - - - - - - - - - - - - 3. Securities a. Rupiah - - - - - - - - - - - - b. Foreign currencies - - - - - - - - - - - - 4. Securities sold with agreement to repurchase (Repo) a. Rupiah - - - - - - - - - - - - b. Foreign currencies - - - - - - - - - - - - 5. a. Rupiah - - - - - - - - - - - - b. Foreign currencies - - - - - - - - - - - - 6. Acceptances receivables - - - - - - - - - - - - 7. Loans *) a. Micro, Small and Medium loans (UMKM) i. Rupiah 39,700 - - - - 39,700 - - - - - - ii. Foreign currencies - - - - - - - - - - - - b. Non UMKM i. Rupiah 541,122 - - - - 541,122 2,005,508 - - - - 2,005,508 ii. Foreign currencies - - - - - - - - - - - - c. Restructured loans i. Rupiah - - - - - - - - - - - - ii. Foreign currencies - - - - - - - - - - - - 8. Investments in shares - - - - - - - - - - - - 9. Other receivable - - - - - - - - - - - - 10. Commitments and contingencies a. Rupiah - - - - - - - - - - - - b. Foreign currencies - - - - - - - - - - - - Securities purchased with agreement to resell (Reverse Repo) DESCRIPTIONNo.
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STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION PT BANK RAKYAT INDONESIA (PERSERO) Tbk As of June 30, 2026 and 2025 (in million rupiah) INDIVIDUAL June 30, 2026 June 30, 2025 (Unaudited) Current Special Mention Sub Standard Doubtful Loss Total Current Special Mention Sub Standard Doubtful Loss Total DESCRIPTIONNo. II THIRD PARTIES 1. Placements with other banks a. Rupiah 1,605,311 - - - - 1,605,311 792,470 - - - - 792,470 b. Foreign currencies 62,871,217 - - - - 62,871,217 48,607,852 - - - - 48,607,852 2. Spot and derivative receivables/forward a. Rupiah 959,570 - - - - 959,570 2,248,160 - - - - 2,248,160 b. Foreign currencies 771,485 - - - - 771,485 212,553 - - - - 212,553 3. Securities a. Rupiah 150,624,395 420,819 - - - 151,045,214 214,790,096 515 - - - 214,790,611 b. Foreign currencies 155,901,315 - - - - 155,901,315 141,070,642 - - - - 141,070,642 4. Securities sold with agreement to repurchase (Repo) a. Rupiah 92,898,051 - - - - 92,898,051 16,619,815 - - - - 16,619,815 b. Foreign currencies 3,768,097 - - - - 3,768,097 4,483,613 - - - - 4,483,613 5. a. Rupiah 6,690,911 - - - - 6,690,911 3,626,119 - - - - 3,626,119 b. Foreign currencies - - - - - - - - - - - - 6. Acceptances receivables 7,697,911 - - - - 7,697,911 11,506,967 - - - - 11,506,967 7. Loans *) a. Micro, Small and Medium loans (UMKM) i. Rupiah 594,779,309 36,810,341 3,180,054 6,311,315 22,314,353 663,395,372 594,594,971 46,957,799 3,906,829 7,958,952 18,014,043 671,432,594 ii. Foreign currencies 1,478,365 3,170 - - - 1,481,535 956,149 36,689 - - - 992,838 b. Non UMKM i. Rupiah 550,889,996 13,013,816 1,052,787 3,361,656 8,841,257 577,159,512 417,666,336 13,753,004 654,769 3,124,798 5,518,443 440,717,350 ii. Foreign currencies 191,792,740 3,027,317 1,895 3,123 155,216 194,980,291 142,454,159 3,115,656 1,452 319,042 1,291,715 147,182,024 c. Restructured loans i. Rupiah 35,221,989 23,158,177 1,453,093 4,851,834 11,506,893 76,191,986 31,876,924 26,161,218 1,697,498 5,289,672 8,266,844 73,292,156 ii. Foreign currencies 4,959,563 2,779,706 - - 148,004 7,887,273 3,974,494 3,673,426 - 134,677 - 7,782,597 8. Investments in shares 51,161,679 - - - - 51,161,679 50,536,322 - - - - 50,536,322 9. Other receivable - - - - - - - - - - - - 10. Commitments and contingencies a. Rupiah 147,810,625 3,514,588 78,702 138,167 603,281 152,145,363 128,465,409 290,513 29,229 47,981 402,470 129,235,602 b. Foreign currencies 63,238,053 352,498 826 1,503 3,964 63,596,844 82,571,876 56,635 1,680 5,598 16,002 82,651,791 III OTHER INFORMATIONS 1. Value of bank’s assets pledge as collateral: a. To Bank Indonesia - - b. To others - - 2. Repossessed assets 50,864 53,124 *) Point a and b is included restructured loans. Point c is restructured loans for UMKM and non-UMKM borrowers Securities purchased with agreement to resell (Reverse Repo)
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STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO COMMERCIAL BANK PT BANK RAKYAT INDONESIA (PERSERO) Tbk As of June 30, 2026 and 2025 (in million rupiah) June 30, 2026 June 30, 2025 Individual Consolidated Individual Consolidated (Unaudited) (Unaudited) I CORE CAPITAL (TIER 1) 240,378,986 298,949,408 238,524,516 290,373,889 1 CET 1 240,378,986 298,949,408 238,524,516 290,373,889 1.1Paid-in Capital (net of Treasury Stock) 3,559,680 3,559,680 3,002,111 3,002,111 1.2Disclosed Reserves 290,380,956 311,569,641 291,780,291 305,467,490 1.2.1Additional Factor 292,419,886 314,114,324 292,119,232 305,883,331 1.2.1.1Other comprehensive income 20,086,283 20,833,799 19,878,151 20,155,745 1.2.1.1.1Excess differences arising from translation of financial statement 195,024 198,020 32,038 31,815 1.2.1.1.2 35,993 - - - 1.2.1.1.3Surplus of fixed assets revaluation 19,855,266 20,635,779 19,846,113 20,123,930 1.2.1.2Other disclosed reserves 272,333,603 293,280,525 272,241,081 285,727,586 1.2.1.2.1Agio 76,323,812 75,930,986 76,284,193 75,891,367 1.2.1.2.2General reserves 3,022,685 3,022,685 3,022,685 3,022,685 1.2.1.2.3Previous year profit 165,376,435 183,694,711 167,530,406 180,085,993 1.2.1.2.4Current year profit 27,517,724 30,632,143 24,794,861 26,398,576 1.2.1.2.5Funds for paid-in capital - - - - 1.2.1.2.6Others 92,947 - 608,936 328,965 1.2.2Deduction Factor 2,038,930 2,544,683 338,941 415,841 1.2.2.1Other comprehensive income 1,974,234 2,129,752 275,146 350,839 1.2.2.1.1Negative differences arising from translation of financial statement - - - - 1.2.2.1.2Potential losses from the decrease in the fair value of financial assets available for sale 1,974,234 2,129,752 275,146 350,839 1.2.2.2Other disclosed reserves 64,696 414,931 63,795 65,002 1.2.2.2.1Disagio - - - - 1.2.2.2.2Previous year loss - - - - 1.2.2.2.3Current year loss - - - - 1.2.2.2.4Negative difference in allowance for possible losses and allowance for impairment on earning assets - - - - 1.2.2.2.5Negative difference in adjusment amounts from fair value of financial assets in trading book - - - - 1.2.2.2.6 64,696 65,903 63,795 65,002 1.2.2.2.7Others - 349,028 - - 1.3Non Controlling Interest - 398,424 - 465,618 1.4Deduction Factor of CET 1 53,561,650 16,578,337 56,257,886 18,561,330 1.4.1Deffered tax calculation 5,874,917 8,678,029 8,434,452 10,574,012 1.4.2Goodwill - 806,416 - 806,416 1.4.3Other intangible assets 3,992,151 4,426,249 4,128,852 4,513,259 1.4.4Investments in share 43,694,582 2,667,643 43,694,582 2,667,643 1.4.5Shortfall of capital on insurance subsidiaries - - - - 1.4.6Securitisation exposure - - - - 1.4.7Other deduction of CET 1 - - - - 2 Additional Tier 1 (AT 1) - - - - 2.1Instrument which comply with AT 1 requirements - - - - 2.2Agio/Disagio - - - - 2.3Deduction Factor of AT 1 - - - - 2.3.1Placements of fund in instrument AT 1 and/or Tier 2 to other bank - - - - 2.3.2Cross ownership in anoyher entity acquired by the transition due to law, grants or grants will - - - - COMPONENTS OF CAPITAL Potential gain of the increase in the fair value of financial assets available for sale Required allowance for non earning assets
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STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO COMMERCIAL BANK PT BANK RAKYAT INDONESIA (PERSERO) Tbk As of June 30, 2026 and 2025 (in million rupiah) June 30, 2026 June 30, 2025 Individual Consolidated Individual Consolidated (Unaudited) (Unaudited) COMPONENTS OF CAPITAL II SUPPLEMENTAL CAPITAL (TIER 2) 14,525,394 15,629,664 12,511,202 13,487,645 1 Capital instrument in the form of stock or other which comply with Tier 2 requirements 208,333 208,333 308,333 308,333 2 Agio/Disagio - - - - 3 General provison on earning assets (max. 1.25% credit risk - weighted assets) 14,317,061 15,421,331 12,202,869 13,179,312 4 Deduction supplemental capital - - - - 4.1Sinking Fund - - - - 4.2Placement of funds in instrumen AT 1 and/or Tier 2 to other bank - - - - 4.3Cross-ownership in another entity acquired by the transition due to law, grants, or grants will - - - - TOTAL CAPITAL 254,904,380 314,579,072 251,035,718 303,861,534 June 30, 2026 June 30, 2025 June 30, 2026 June 30, 2025 Individual Consolidated Individual Consolidated Individual ConsolidatedIndividual Consolidated (Unaudited) (Unaudited) (Unaudited) (Unaudited) RISK WEIGHTED ASSETS KPMM RATIO CREDIT RISK - WEIGHTED ASSETS1,142,243,905 1,230,585,480 974,238,013 1,052,353,477 CET 1 Ratio (%) 18.25% 20.42% 21.55% 23.90% MARKET RISK - WEIGHTED ASSETS45,692,252 61,936,207 17,139,015 24,491,452 Tier 1 Ratio (%) 18.25% 20.42% 21.55% 23.90% OPERATIONAL RISK - WEIGHTED ASSETS129,048,304 171,381,408 115,666,470 138,261,965 Tier 2 Ratio (%) 1.10% 1.07% 1.13% 1.11% TOTAL RISK WEIGHTED ASSETS1,316,984,461 1,463,903,095 1,107,043,498 1,215,106,894 KPMM Ratio (%) 19.35% 21.49% 22.68% 25.01% CAR BASED ON RISK PROFILE (%) 9.70% 9.70% 9.66% 9.66%CET 1 for BUFFER (%) 9.65% 11.79% 13.02% 15.35% 5.000% 5.000% 5.000% 5.000% From CET 1 (%) 8.60% 8.63% 8.53% 8.55% Capital conservation buffer (%) 2.500% 2.500% 2.500% 2.500% From AT 1 (%) 0.00% 0.00% 0.00% 0.00% Countercyclical Buffer (%) 0.000% 0.000% 0.000% 0.000% From Tier 2 (%) 1.10% 1.07% 1.13% 1.11% Capital Surcharge for Systemic Bank (%) 2.500% 2.500% 2.500% 2.500% CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FILLED BY BANK(%)
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CALCULATION OF FINANCIAL RATIOS PT BANK RAKYAT INDONESIA (PERSERO) Tbk As of June 30, 2026 and 2025 (in %) June 30, 2026 June 30, 2025 (Unaudited) Performance Ratios 1. Capital Adequacy Ratio (CAR) 19.35 22.68 2. Non performing earning assets and non performing non earning assets to total earning assets and non earning assets 2.11 2.10 3. Non performing earning assets to total earning assets 2.10 2.10 4. Allowance for impairment on financial assets to earning assets 4.03 4.32 5. Gross NPL 3.15 3.23 6. Net NPL 1.04 0.99 7. Return on Asset (ROA) 1) 3.30 3.29 8. Return on Asset (ROA) 2) 2.70 2.63 9. Return on Equity (ROE) 3) 22.59 21.09 10. Return on Equity (ROE) 4) 18.50 16.95 11. Net Interest Margin (NIM) 6.40 6.58 12. Operating Expenses to Operating Income 69.56 71.80 13. Cost to Income Ratio (CIR) 35.49 38.52 14. Loan to Deposit Ratio (LDR) 91.30 85.52 Compliance 1. a. Percentage violation of Legal Lending Limit i. Related parties 0.00 0.00 ii. Third parties 0.00 0.00 b. Percentage of excess of the Legal Lending Limit i. Related parties 0.00 0.00 ii. Third parties 0.00 0.00 2. Reserve requirement a. Primary reserve requirement Rupiah - Daily 0.00 0.00 - Average 4.72 4.15 b. Reserve requirement Foreign currencies (daily) 2.00 2.00 3. Net Open Position - Overall 4.87 1.07 1)Calculation using profit before tax divided by average total assets. 2)Calculation using profit after tax divided by average total assets. 3)Calculation using profit after tax divided by average total Tier 1 equity. 4)Calculation using profit after tax divided by average total equity. Ratio
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STATEMENTS OF CASH FLOW PT BANK RAKYAT INDONESIA (PERSERO) Tbk For the Six-Month Period Ended June 30, 2026 and 2025 (in million rupiah) CONSOLIDATED DESCRIPTION June 30, 2026 June 30, 2025 (Unaudited) CASH FLOWS FROM OPERATING ACTIVITIES Income received Interest and investment income 88,425,010 95,722,342 Sharia income 7,251,363 6,851,543 Revenue from gold sold 48,243,990 27,245,007 Insurance Services Income 2,898,597 4,488,953 Expenses paid Interest expense (26,215,727) (32,204,204) Sharia expenses (936,799) (626,841) Cost of revenue from gold sold (46,137,541) (26,385,092) Insurance Services Expense (2,847,438) (6,060,148) Recoveries of written-off assets 9,436,501 10,183,753 Other operating income 15,138,502 15,441,124 Other operating expenses (43,411,183) (43,023,617) Other expense (245,386) (280,017) Payment of corporate income tax (8,033,868) (6,480,756) Cash Flows Before Changes in Operating Assets and Liabilities 43,566,021 44,872,047 Changes in operating assets and liabilities: Decrease (Increase) in operating assets: Placements with Bank Indonesia and other financial institutions (7,974,796) (287,328) (4,889,279) 1,738,248 Export bills and other receiveables (63,157) (17,774,589) Securities purchased under agreement to resell (6,666,459) 13,219,571 Loans (138,820,169) (80,051,328) Sharia Loans (5,860,204) (5,000,465) Finance Receivables 504,731 946,175 Other assets 33,909,671 14,380,836 Increase (Decrease) in operating liabilities: Liabilities due immediately (17,724,403) (8,389,300) Deposits: Demand deposits 1,362,100 39,928,174 Savings deposits 31,514,110 12,036,041 Time deposits 80,961,837 64,705,658 Deposits from other banks and other financial institutions 416,416 (3,717,810) Securities sold under agreements to repurchase 67,796,125 (4,032,689) Other liabilities (2,224,377) 3,776,360 Net Cash Provided by Operating Activities 75,808,167 76,349,601 CASH FLOWS FROM INVESTING ACTIVITIES Proceeds from sale of premises and equipments 66,879 19,245 Dividend income 234,967 159,610 Acquisition of premises and equipments (2,046,831) (4,585,479) (6,706,711) (7,840,824) Net Cash Used In Activities (8,451,696) (12,247,448) Securities measured at fair value through profit or loss Increase in marketable securities classified as fair value through other comprehensive income and amortized cost
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STATEMENTS OF CASH FLOW PT BANK RAKYAT INDONESIA (PERSERO) Tbk For the Six-Month Period Ended June 30, 2026 and 2025 (in million rupiah) CONSOLIDATED DESCRIPTION June 30, 2026 June 30, 2025 (Unaudited) CASH FLOWS FROM FINANCING ACTIVITIES Proceeds of fund borrowings 62,561,305 27,689,093 Payment of fund borrowings (12,956,260) (22,319,386) Treasury stock (145,005) (248,936) Distribution of income for dividends (52,248,379) (51,734,508) Proceeds from marketable securities issued 9,883,594 13,426,357 Payments of marketable securities matured (8,670,902) (5,507,831) Net Cash Used in Financing Activities (1,575,647) (38,695,211) NET INCREASE IN CASH AND CASH EQUIVALENTS 65,780,824 25,406,942 EFFECT OF EXCHANGE RATE CHANGES ON FOREIGN CURRENCIES (2,216) (22,597) CASH AND CASH EQUIVALENTS AT BEGINNING OF THE PERIOD 131,235,715 205,328,380 CASH AND CASH EQUIVALENTS AT THE END OF THE PERIOD 197,014,323 230,712,725 Cash and cash equivalents at the end of period consist of: Cash 24,743,629 26,438,079 Current accounts with Bank Indonesia 90,559,819 64,358,693 Current accounts with other banks 49,530,007 38,334,030 18,770,868 83,181,455 13,410,000 18,400,468 Total Cash and Cash Equivalents 197,014,323 230,712,725 Placements with Bank Indonesia and other financial institutions - maturing within three months or less since the acquisition date Certificates of Bank Indonesia - maturing within three months or less since the acquisition date
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ALLOWANCES FOR IMPAIRMENT PT BANK RAKYAT INDONESIA (PERSERO) Tbk As of June 30, 2026 and 2025 (in million rupiah) June 30, 2026 June 30, 2025 (Unaudited) No. DESCRIPTION Allowance for Impairment Minimum Required Allowance for Asset Quality Assesment Allowance for Impairment Minimum Required Allowance for Asset Quality Assesment Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific 1. Placements with other banks 18,531 - - 646,965 - 10,376 - - 495,003 - 2. Spot and derivative receivables/forward - - - 17,311 - - - - 24,607 - 3. Securities 564,687 419,805 - 1,431,284 21,041 1,206,783 515 - 985,243 26 4. Securities sold with agreement to repurchase (Repo) - - - 966,661 - 160 - - 211,034 - 5. Securities purchased with agreement to resell (Reverse Repo)- - - - - - - - - - 6. Acceptances receivables 215,142 20,405 - 76,979 - 36,331 - - 115,070 - 7. Loans 21,200,813 24,345,661 30,347,929 13,395,212 39,426,816 17,231,737 26,222,619 28,798,901 11,576,771 34,403,212 8. Investments in shares - - - 74,671 - - - - 68,417 - 9. Other receivable - - - - - - - - - - 10. Commitments and contingencies 817,191 1,559,123 - 828,947 882,365 1,048,649 1,298,085 - 718,198 467,254
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MANAGEMENT OF THE BANK SHAREHOLDER BOARD OF COMMISSIONERS Ultimate shareholder : - President Commissioner : Kartika Wirjoatmodjo Ultimate shareholder : - Vice President Commissioner/ - Republic of Indonesia through (Concurrently Independent Commissioner) : Parman Nataatmadja State-Owned Enterprises Regulatory Agency (BP BUMN): 0.532% - Independent Commissioner : Lukmanul Hakim - Independent Commissioner : Edi Susianto - Commissioner : Helvi Yuni Moraza Non ultimate shareholder through capital market (≥ 5%) : - Commissioner : Awan Nurmawan Nuh - None Non ultimate shareholder not through capital market (≥ 5%) : DIRECTORS - PT Danantara Asset Management (Persero): 52.656% - President Director : Hery Gunardi - Vice President Director : Viviana Dyah Ayu R. K - Director : Ahmad Solichin Lutfiyanto - Director : Achmad Royadi - Director : Akhmad Purwakajaya Jakarta, August 31, 2026 - Director : Alexander Dippo Paris Y. S. Board of Directors - Director : Farida Thamrin PT Bank Rakyat Indonesia (Persero) Tbk - Director : Riko Adythia - Director : Aquarius Rudianto - Director : Aris Hartanto - Director : Hakim Putratama - Director : Ety Yuniarti - Director : Saladin Dharma Nugraha Effendi Hery Gunardi Achmad Royadi President Director Director Notes : 1. 2. The Information of consolidated financial statements as above have been prepared and presented in accordance with the following matters: a. b. c. d. 3. 4. The Regulation No. VIII.G.7, Appendix to Decision letter of Chairman of the Capital Market and Financial Institution Supervisory Agency (Bapepam-LK) No. KEP- 347/BL/2012 dated June 25, 2012 on "Presentation and Disclosure of Financial Statements for Public Companies". The Foreign currency exchange rate for 1 USD as of June 30, 2026, December 31, 2025 and June 30, 2025 were Rp17,880.00, Rp16,675.00, dan Rp16,235.00., POJK Number 18 2025 regarding Transparency and Publication of Bank Reports and Financial Services Authority Circular Letter Number 9/SEOJK.03/2020 regarding Transparency and Publication of Conventional Commercial Bank Reports. The Minimum Capital Requirement for Commercial Banks is presented in accordance with POJK Number 11/POJK.03/2016 dated January 29, 2016 regarding Minimum Capital Requirements for Commercial Banks as amended by OJK Regulation (POJK) Number 34/POJK.03/2016 dated September 22, 2016 and lastly amended by POJK Number 27, 2022 dated December 26, 2022. The basic earnings per share is calculated by dividing the income for the six-month period ended June 30, 2026 attributable to owners of Parent Entity by the weighted average number of the issued and fully paid shares during the period. The above interim consolidated financial information is taken from the interim consolidated financial statements of PT Bank Rakyat Indonesia (Persero) Tbk ("the Bank") and its subsidiaries as of June 30, 2026 and for the six-month period then ended, which were prepared by the Bank's management in accordance with Indonesian Financial Accounting Standards, which have been audited by the Public Accounting Firm Purwanto Susanti and Surja ("PSS"), a member firm of Ernst & Young Global Limited, with the partner in charge is Rindra Sulindro, an independent auditor, in accordance with Standards on Auditing established by the Indonesian Institute of Certified Public Accountants, with an unmodified audit opinion, as stated in their report dated August 31, 2026 which are not included in this publication. Since the above interim consolidated financial information is taken from the interim consolidated financial statements, it is therefore not a complete presentation of the Interim consolidated financial statements. Financial Services Authority Regulation (POJK) Number 14/POJK.04/2022 dated August 18, 2022 regarding Submission of Periodic Financial Statements for Issuers or Public Companies.