Sigit Pebrianto

Good morning, everyone. Thank you for joining BNI's earnings call for the first quarter of 2026. My name is Sigit, and I will be your host today. We truly appreciate your trust to BNI. And in today's session, we will walk you through our first quarter of 2026 financial performance which includes how we navigated the still dynamic macroeconomic environment, delivered solid results and continued to strengthen our core fundamentals across key business segments.

Joining us today are members of BNI's directors. First, we have Pak Putrama Wahju Setyawan, President Director; Bu Alexandra Askandar, Deputy President Director; Pak Hussein Paolo Kartadjoemena, Finance and Strategy Director; Pak David Pirzada, Risk Management Director. And other members of the management team, thank you all for joining.

Here's what we will cover in today's session. First, we will disclose our first quarter 2026 financial performance, which includes our views on the economy, our diversified portfolio and prudent risk management, our AT1 issuance and how it strengthens our capital structure, our strategy to transform our outlets, business performance, our solid CASA expansion and also our guidance.

Without further ado, I would like to invite Pak Putrama, President and Director of BNI, to open the session. Please, Pak.

Putrama Setyawan
President Director

Thank you, Pak Sigit. Good morning, everyone. Thank you for joining BNI First Quarter 2026 Earnings Call. The first quarter of this year has been marked by rising global tensions. The conflict in the Middle East has pushed oil prices higher that in turn has raised inflation concerns in many countries, including the United States. As a