Loans and Deposits Increase 11%, OCBC Maintains Growth Momentum in the First Half of 2026

Jakarta, 30 July 2026 - PT Bank OCBC NISP Tbk ("OCBC") reported positive financial performance in the first half of 2026. As of June 2026, total loans increased by 11% YoY to IDR 185.3 trillion. This growth was supported by an 11% YoY increase in total deposits, reaching IDR 239.9 trillion. The growth was underpinned by current account and savings account (CASA) expansion, which grew 26% YoY to IDR 145.2 trillion, lifting the CASA ratio to 60.5% and reflecting the Bank’s strong customer franchise.

OCBC also recorded a net profit of IDR 2.7 trillion, driven by a 6% increase in operating income to IDR 6.9 trillion, while other operating expenses increased by 1% YoY to IDR 3.1 trillion.

In line with this business growth, OCBC’s total assets increased by 11% to IDR 329.5 trillion, while total equity grew by 8% to IDR 44.4 trillion. This reflects the Bank’s increasingly strong fundamentals to support sustainable business growth.

Parwati Surjaudaja, President Director of OCBC, said, "Our solid performance in the first half of this year further strengthens OCBC’s foundation for healthy and sustainable growth, while continuing to uphold prudent banking principles. We continue to enhance our capabilities to serve the evolving needs of our customers, including the growing demand for wealth management solutions in Indonesia. With increasingly integrated capabilities and the strength of the OCBC Group ecosystem, we remain focused on being a long-term financial partner for our customers, helping them manage and grow their wealth sustainably."

As of June 2026, OCBC’s capital and liquidity positions remained sound, with a Capital Adequacy Ratio (CAR) of 23.1% and a Liquidity Coverage Ratio (LCR) of 233.2%. This provides the Bank with sufficient financial flexibility to capture growth opportunities and support sustainable business expansion.

Consistent with its commitment to sustainable growth, OCBC maintained a prudent approach to lending while preserving strong asset quality. Gross Non-Performing Loans (NPL) remained at 1.9% and Loan at Risk (LaR) improved to 4.8%, compared to 5.5% the previous year, with adequate NPL provisions at 230.0%.

Going forward, OCBC will continue to enhance its digital capabilities to deliver an increasingly relevant and seamless banking experience for customers. For the first semester 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 6% YoY, while active users of OCBC Business for corporate customers rose by 23% YoY.

In line with the aspiration of Large Scale, Deeper Expertise, Greater Impact, OCBC also continues to strengthen its wealth management capabilities to help customers manage, protect, and grow assets according to their financial needs and aspirations. One of them is by introducing innovations such as the Wealth Report as part of the financial planning and investment process known as Wealth Discovery. The Wealth Report provides comprehensive data and insights for customers to determine investment choices, that supported by increasingly easy access through OCBC Mobile.

In recognition of these achievements, OCBC received several prestigious national and international awards, including:

• The Asset Triple A Treasurise Awards 2026, presented by The Asset Publishing and Research Ltd. – Best Payments and Collections Solution in Indonesia.
• 19th Annual Treasury & FX Awards by Alpha Southeast Asia – Best FX Bank for Hedging Requirements (Onshore Middle Market & SMEs) and Best FX Bank for Structured Products: Commodities, Credit, FX and Multi-asset.
• HR Asia Awards 2026 – Best Companies to Work for in Asia, People Transformation Awards, and Sustainable Workplace Awards.
• Asian Banking & Finance Retail Banking Awards 2026 – Consumer Finance Product of the Year – Indonesia (Young Nyala), Gold and Precious Metals Bank of the Year – Indonesia (Gold Savings – Sharia Business Unit), and SME Bank of the Year – Indonesia; and
• Asian Banking & Finance Wholesale Banking Awards 2026 – Indonesia International Cash Management Bank of the Year.

A summary of the Bank’s financial statements and key financial ratios as of 30 June 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 June 30, 2026, OCBC serves customers through 192 office networks in 52 cities in Indonesia. Furthermore, customers could conduct transaction through the Bank's 504 ATM, about 85,000 ATM networks in Indonesia, and connected to more than 390 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