Bank Sinarmas Strengthens Business Fundamentals and Digital Transformation
for Sustainable Growth in 2026

PT. Bank Sinarmas Tbk. emphasized the Company's consistent strategy of strengthening its business fundamentals and accelerating digital transformation as a foundation for healthier and more sustainable growth going forward. This was conveyed at the 2025 Public Expose held today, December 1, 2025, in Jakarta.

Based on the Consolidated Financial Statements as of September 30, 2025, consolidated Profit Before Tax was recorded at IDR 376.1 billion, a 2.8% year-on-year growth. This profit increase was supported by a significant surge in non-interest operating income, which grew by 73.4%. This achievement also strengthens the Company's financial position, with Total Consolidated Assets now reaching IDR 55.7 trillion and Total Equity of IDR 8.7 trillion, reflecting the Bank's increasingly robust capital structure to support future business expansion.

Digital Transformation Improves Efficiency and Customer Experience

Bank Sinarmas consistently expands its digital capabilities, particularly through the SimobiPlus application, which provides easy, secure, and convenient banking transaction services. The number of active SimobiPlus users increased to 207,000, representing a 17.03% year-on-year growth.

Frenky Tirtowijoyo, President Director of PT. Bank Sinarmas Tbk., stated, "We are committed to maintaining quality profitability through sound funding and prudent lending. Digital transformation will continue to be our primary focus in strengthening our competitiveness and maintaining measurable and sustainable growth. Customers remain atthe center of our innovation, and disciplined governance is the foundation for creating longterm value for all stakeholders."

Strategy 2026: Focus on Quality Business and Risk Governance

The Company has established its future business direction with the following main priorities:

• Recovering its credit portfolio in the corporate, commercial, and MSME segments while maintaining prudential principles
• Increasing CASA-based funding for cost efficiency
• Diversifying non-interest income sourcesImproving asset quality and disciplined NPL management
• Strengthening digital infrastructure and cyber security

Synergy with the Sinar Mas Financial Services ecosystem strengthens the Company's ability to develop products, expand services, and reach broader market segments.

Subsidiary Development: Bank Nano Syariah Promotes Financial Inclusion

PT Bank Nano Syariah, which has been operating as a separate entity since 2024, recorded solid performance through September 2025:

• Assets of IDR 8.8 trillion
• Equity of IDR 1.4 trillion
• Profit before tax of IDR 139 billion
• 350,000 customers and 44,000 AIRA digital users
• Supported by a network of 31 branch offices, 10 sub-branch offices, and 40 ATMs

"Together with Bank Nano Syariah, we play an active role in expanding access to modern and inclusive Islamic financial services for the Indonesian people," added Frenky Tirtowijoyo.

Remaining Present for the Community

Throughout 2025, Bank Sinarmas implemented various social initiatives focused on increasing financial literacy and inclusion, as well as community empowerment. These efforts have received recognition in the form of national awards, strengthening the Company's position and reputation in the banking industry.

"The growth we are building is growth that provides real benefits to the community and the economy," concluded Frenky Tirtowijoyo.