Nobu Bank Records Impressive Performance in 2025

Net Profit Surges 46%, QRIS Ecosystem Surpasses 2 Million Merchants

Tangerang, 1 April 2026 — PT Bank Nationalnobu Tbk (“Nobu Bank” or the “Company”)recorded an impressive performance throughout the 2025 financial year, achieving growthacross key financial indicators in line with the continued expansion of its retail business, thedevelopment of its digital payment ecosystem, and prudent business management.

Throughout FY2025, the Company recorded a net profit of IDR 481.3 billion, representinga 46.30% increase compared to the previous year. This performance reflects the Company’ssuccess in maintaining a balance between business growth, operational efficiency, andstrengthening transaction-based income streams.

In line with this growth, the Company’s total assets reached IDR 41.2 trillion, representinga year-on-year (yoy) increase of 23.67%, which places Nobu Bank in the Top 25 nationalprivate banks currently. Meanwhile, third-party funds (TPF) amounted to IDR 28.9 trillion,growing 18.76% (yoy), reflecting the increasing trust of customers in the Company’s productsand services.

On the intermediation side, the Company’s loan portfolio reached IDR 24.2 trillion, growing20.07% (yoy), primarily driven by the consumer segment, particularly mortgage loans, as wellas the SME and micro segments. This growth was accompanied by prudent riskmanagement, allowing the Company to maintain strong asset quality with a gross NonPerforming Loan (NPL) ratio of 0.44% and a loan loss coverage ratio (CKPN to NPL) of 222%.

The Company’s fee-based income also recorded significant growth, contributing 16.6% oftotal income. This increase was supported by the expansion of digital banking transactionservices, agent banking, bancassurance, and loan administration services.

In developing its digital business, Nobu Bank continues to expand its QRIS merchantnetwork, which as of the end of 2025 has surpassed 2 million merchants and more than143 thousand agent banking partners across various regions in Indonesia. This ecosystemfurther strengthens the Company’s position as Indonesia’s leader in digital payment.

From a credit portfolio perspective, the consumer segment remains the main growth driver,expanding 18.23% (yoy) and accounting for 56.9% of the Company’s total loan portfolio atthe end of 2025. This growth was primarily driven by the marketing of primary mortgageproducts, as well as Nobu Bank’s active participation in supporting the Government’s housingprograms.

The Company also participates in various strategic housing sector programs, including theHousing Financing Liquidity Facility (FLPP) for Low-Income Communities (MBR) andthe Housing Program Credit (KUR Perumahan). These programs provide financingschemes with faster processes, competitive interest rates, and broad access for developers,contractors, suppliers, and other supporting industries within the housing sector.

The Company’s positive performance is also reflected in its healthy financial ratios. TheCapital Adequacy Ratio (CAR) remained strong at 22.29%, indicating a solid capital positionto support future business expansion.

Meanwhile, Return on Assets (ROA) stood at 1.67% and Return on Equity (ROE) at13.07%, reflecting the Company’s ability to optimize its assets and capital to generatesustainable profitability. In terms of liquidity, the Loan to Deposit Ratio (LDR) was recordedat 83.68%, indicating a healthy funding structure and ample room for further credit expansion.

Going forward, Nobu Bank will continue to strengthen its focus on the development of thedigital payment ecosystem, expansion of its merchant network, and the growth of high-qualitylending in sectors with strong and sustainable growth potential.

With an increasingly solid business foundation, strong capital support, and a strategy thatadapts to economic dynamics and the ongoing digitalization of financial services, Nobu Bankremains optimistic about continuing to create sustainable value for customers, businesspartners, and shareholders.