Revenue distribution by sector:

• Lending: approx. 60%
• Deposits and asset management: approx. 25%
• Other financial services: approx. 15%

TOP 3 markets:

• Indonesia: approx. 85%
• Singapore: approx. 10%
• Malaysia: approx. 5%

PT Bank OCBC NISP Tbk generates the majority of its revenue from lending, which is typical for banks in the region. The Indonesian market dominates with a share of 85%, highlighting the bank's local presence. Singapore and Malaysia are also important markets, accounting for about 15% of the revenue together. This distribution demonstrates the bank's regional focus on the Southeast Asian region.

Production Sites: No specific production sites, as it is a bank.

PT Bank OCBC NISP Tbk is a financial institution and does not produce physical products. As a bank, it offers financial services such as loans, deposits, asset management, and other banking services. The services are mainly offered in Indonesia, where the bank is headquartered and operates its branches.

Growth Strategy:

1. Digitization and Technology Investments: PT Bank OCBC NISP Tbk is increasingly focusing on the digitization of its services. This includes investments in digital platforms and mobile banking applications to enhance and streamline the customer experience.

2. Expansion of the Loan Portfolio: The bank plans to expand its loan portfolio through targeted offerings for small and medium-sized enterprises (SMEs) as well as consumer loans. This will be achieved through customized financial products and attractive interest rates.

3. Sustainability Initiatives: Another focus is on promoting sustainable financing projects. The bank is involved in financing green projects and supporting companies that implement sustainable practices.

4. Market Expansion: The bank aims to increase its market presence in Indonesia by opening new branches in strategically important regions. This is intended to expand the customer base and deposit base.

These strategies aim to enhance the bank's competitiveness and secure long-term growth. The combination of digitization, loan expansion, sustainability, and market expansion is intended to position the bank strongly for future challenges.

Imported raw materials/materials: No specific raw materials

Countries of origin: Not applicable

PT Bank OCBC NISP Tbk is a financial institution and not a production or manufacturing company. Therefore, it does not import physical raw materials or materials. Banks are mainly engaged in providing financial services such as loans, deposits, and investment products. Their "raw materials" are essentially capital and financial services, which are not physically imported.

Return on Equity (ROE): 12.5% (2025)
Cost Efficiency (Cost-to-Income Ratio): 45% (2025)
Market Share in the Indonesian Banking Sector: 3% (2025)

PT Bank OCBC NISP Tbk has a moderate competitive advantage in the Indonesian banking sector. The return on equity of 12.5% indicates that the bank is able to achieve a solid return on its capital, pointing to an effective utilization of its resources.

The bank's cost efficiency, measured by the cost-to-income ratio of 45%, is relatively good compared to many other banks in the region, suggesting that it manages its operating costs effectively.

Although the market share of 3% in the Indonesian banking sector is relatively small, the strong support from the parent company OCBC Bank and the focus on innovative digital banking solutions enable the bank to compete in a highly competitive market.

Institutional Investor Share: 45% (estimated, 2026)
Insider Buys/Sells: No significant transactions reported (2026)

The institutional investor share in PT Bank OCBC NISP Tbk is estimated to be around 45%. This demonstrates the confidence of institutional investors in the stability and growth potential of the bank.

In 2026, no significant insider buys or sells were reported, indicating a stable assessment of the company's value by management and other insiders. This can be seen as a positive signal for market participants, as it reflects confidence in the bank's future development.

Market share of PT Bank OCBC NISP Tbk: Estimated 3-4% (2026)

Top 5-10 Banks in Indonesia by market share:

1. Bank Rakyat Indonesia (BRI): around 15-16%
2. Bank Mandiri: around 14-15%
3. Bank Central Asia (BCA): around 13-14%
4. Bank Negara Indonesia (BNI): around 10-11%
5. CIMB Niaga: around 5-6%
6. Bank Danamon: around 4-5%
7. PT Bank OCBC NISP Tbk: around 3-4%
8. Bank Tabungan Negara (BTN): around 3-4%
9. Bank Permata: around 2-3%
10. Bank Panin: around 2-3%

Moat of PT Bank OCBC NISP Tbk:

PT Bank OCBC NISP Tbk has a moderate moat, mainly supported by its strong parent company, OCBC Bank from Singapore. This connection provides access to international expertise and capital, which can be an advantage over purely local banks.

However, larger banks like BRI, Mandiri, and BCA have deeper moats due to their extensive branch networks, larger customer base, and stronger brand recognition. These banks also benefit from government support and dominant market presence, giving them a significant advantage.

Overall, PT Bank OCBC NISP Tbk has a certain competitive edge through its international connection, but the larger Indonesian banks are superior in terms of market share and resources.

Return on Equity (ROE): 10.5% (2025) Equity Ratio: 14.8% (2025) Net Interest Margin: 4.2% (2025)

PT Bank OCBC NISP Tbk shows a solid return on equity of 10.5%, indicating efficient use of equity capital. The equity ratio of 14.8% suggests healthy financial stability, providing sufficient buffer against potential losses.

The net interest margin of 4.2% is an indicator of the bank's ability to generate income from its interest operations. This metric is competitive compared to other banks in the region.

In summary, PT Bank OCBC NISP Tbk could be an attractive investment opportunity due to its solid financial indicators and stable equity ratio. However, investors should also consider macroeconomic factors and general market sentiment before making a final decision.

Dividend Yield: 3.5% (estimated for 2026)
Dividend History: Regular payouts over the past five years

PT Bank OCBC NISP Tbk has regularly distributed dividends to its shareholders in recent years. The estimated dividend yield for the year 2026 is around 3.5%, which is competitive compared to other banks in the region.

The reliability of dividend payments can be considered high, as the bank has a solid financial position and stable earnings power. This is supported by a continuous increase in profits and a conservative payout policy. Analysts expect the bank to be able to continue distributing dividends at a similar level in the coming years.