PT Bank BTPN Syariah (BTPS) investor relations material

Executive summary

• Achieved AAA (idn) Fitch rating with stable outlook as of February 2026.

• Serving approximately 7 million customers, with 3.77 million active accounts across 26 provinces.

• Recognized for strong social impact and multiple awards in 2025, including ESG and gender equality honors.

• Consolidated financial statements for the year ended 31 December 2025 were audited and received an unqualified opinion, confirming fair presentation in accordance with Indonesian Financial Accounting Standards.

• The audit identified allowance for impairment losses of murabahah receivables and IT systems/controls as key audit matters due to significant management judgment and estimation uncertainty.

Financial highlights

• Total assets reached Rp 22,751,076 million at year-end FY 2025, up from Rp 21,747,580 million in 2024.

• Profit after tax (consolidated) for FY 2025 was Rp 1,201 billion, up 13% year-over-year.

• Net margin income for FY 2025 was IDR 4,730 billion, down 3% year-over-year.

• Earnings per share (basic/diluted) rose to Rp 156 from Rp 138 year-over-year.

• Total equity grew to Rp 9,961,512 million from Rp 9,316,594 million year-over-year.

Outlook and guidance

• Fitch confirmed a stable outlook for the institution in February 2026.

• The Bank continues to maintain a strong capital position, with a total capital adequacy ratio (CAR) of 57.74%, well above the minimum requirement of 9–10%.

• No material uncertainties regarding going concern were identified.