PT Bank BTPN Syariah (BTPS) investor relations material

Executive summary

• Net income for the six months ended 30 June 2026 reached Rp 655,488 million, up 1.8% year-over-year from Rp 643,849 million.

• Total assets increased to Rp 23,301,720 million as of 30 June 2026, compared to Rp 22,751,076 million at year-end 2025.

• The bank maintained strong capital adequacy and asset quality, with a focus on sharia-compliant financing and risk management.

Financial highlights

• Operating income for the period was Rp 2,311,189 million, slightly down from Rp 2,359,271 million year-over-year.

• Net operating income rose to Rp 835,941 million from Rp 820,909 million year-over-year.

• Earnings per share (basic/diluted) were Rp 85, up from Rp 84 in the prior year.

• Gross non-performing financing (NPF) ratio for murabahah receivables was 2.74%, with net NPF at 0.01%.

• Allowance for impairment losses on murabahah receivables covered 459.74% of the minimum required by OJK.

Outlook and guidance

• The bank continues to prioritize prudent risk management and compliance with sharia principles.

• Capital adequacy ratio (CAR) remains robust at 58.71%, well above the minimum regulatory requirement.

• No material exposure to foreign currency risk or significant changes in market risk profile.