OCBC Posts IDR 1.36 Trillion Profit in The First Quarter of 2026

Jakarta, 29 April 2026 - PT Bank OCBC NISP Tbk (“OCBC”) recorded a resilient financial performance in the first quarter of 2026.

As of 31 March 2026, OCBC posted a net profit of IDR 1.36 trillion, representing a 5% year-on-year (YoY) increase. This growth was supported by a 6% YoY increase in operating income. Total assets also grew by 7% YoY to IDR 312.9 trillion.

OCBC's total loans grew to Rp171.0 trillion with maintained asset quality. Gross Non-Performing Loans (NPLs) remained at 2.1%, and Loan at Risk (LaR) improved to 5.3%, compared to 5.4% the previous year, with adequate NPL provisions at 221.8%.

On the funding side, total Deposits reached IDR 226.4 trillion, growing 4% YoY, supported by growth in Current Accounts and Savings Accounts (CASA) ratio to 61.9%.

Parwati Surjaudaja, President Director of OCBC, stated that this performance reflects the Bank’s balanced business model between growth and prudence: “We continue to see sustained growth momentum at the beginning of 2026, both in terms of intermediation and deposit gathering. Positive loan growth reflects our commitment to supporting customers’ needs and the broader economy, while the increase in CASA demonstrates stronger customer trust in our services. Supported by strong capital and adequate liquidity, we remain optimistic about accelerating growth prudently while maintaining the Bank’s resilience amid economic uncertainties.”

From a fundamentals perspective, the Bank’s capital position strengthened, with a Capital Adequacy Ratio (CAR) of 25.0%, providing ample room for future business expansion. Meanwhile, liquidity remained sound, as reflected in a Liquidity Coverage Ratio (LCR) of 236.7%.

In the first quarter of 2026, the total value of transactions through e-channels grew by 15% YoY. Active individual users of internet banking and OCBC Mobile increased by 8% YoY, while active users of OCBC Business Mobile for corporate customers rose by 20% YoY.

In line with its digital transformation, OCBC continues to strengthen its ecosystem service through Nyala, an integrated financial solution. Through this initiative, the Bank encourages the public to become #FUNanciallyFit, empowering individuals to be more informed, disciplined, and confident in managing their finances.

Particularly, OCBC also focuses on the young family segment through its Young Nyala offering, providing relevant products and solutions for family financial planning, from cash flow management and education savings to prudent long-term investments. This approach is expected to support customers and the broader public in maintaining prudent financial management, particularly amid ongoing economic uncertainties.

To further strengthen customer relationships, OCBC continues to introduce various flagship programs, including priority banking services that offer integrated financial solutions ranging from wealth management to investment advisory. In addition, within the business banking segment, OCBC offers Nyala Bisnis, accessible through OCBC Business Mobile, enabling customers to conveniently manage consolidated balances for both personal and business finances in an integrated manner. Various engagement programs, transactional promotions, and financial literacy initiatives have also contributed to enhancing customer loyalty.

The Bank’s continued commitment to service excellence and innovation is reflected in the accolades received by OCBC in the first quarter of 2026:

• Global Banking and Finance Review Awards 2026: Best Corporate Governance Bank Indonesia 2026, Best SME Bank Indonesia 2026, Best Private Bank Indonesia 2026, Best Forex Bank Indonesia 2026
• Euromoney Private Banking Awards 2026: Indonesia’s Best Bank for Succession Planning
• Global Finance Award 2025 (SME): Best SME Bank
• Global SME Banking Innovation Award 2026 (The Digital Banker): Best Overseas SME Bank (Indonesia)
• The 8th Infobank Satisfaction, Loyalty, and Engagement 2026 by Majalah Infobank, recognized in two categories: 2nd Most Satisfying KBMI 3 Bank in Teller Service and Customer Service
• Alternative Trading System Award 2026 from Indonesia Stock Exchange for category of Rising Star of The Year 2025

A summary of the Bank’s financial statements and key financial ratios as of 31 March 2026 is presented in the attached factsheet.

About OCBC
PT Bank OCBC NISP Tbk (OCBC) was established in Bandung in 1941 under the name Nederlandsch Indische Spaar en Deposito Bank. Over its 85 years of journey, the Bank has undergone several name changes, from 'Bank NISP' to 'Bank OCBC NISP', and 'OCBC' on November 14, 2023 As of March 31, 2026, OCBC serves customers through 201 office networks in 54 cities in Indonesia. Furthermore, customers could conduct transaction through the Bank's 510 ATM, about 85,000 ATM networks in Indonesia, and connected to more than 400 OCBC Group ATM networks in Singapore and Malaysia. OCBC also serves customers through various digital channels, including mobile banking and internet banking – both for individuals and corporations. For further information about OCBC please visit www.ocbc.id.

Brand & Communication Division, OCBC
OCBC Tower, Jl Prof Dr Satrio Kav 25, Jakarta 12940
Tel: 021- 25533888; Fax: (62)-021-57944000
Email: brand.communication@ocbc.id
Website: www.ocbc.id