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Page 1
PUBLIC EXPOSE
3Q2023
Jakarta, 27 November 2023
Page 2
Melayani Negeri, Kebanggaan Bangsa
Bank terbesar ke-4 dari sisi total aset, total
pinjaman dan total dana pihak ketiga (DPK)
Public IPO
Bank BUMN Total
Total Aset Total DPK
Pinjaman
60% 40% pertama yang Rp 1.009 Tn Rp 748 Tn
Rp 671 Tn
Tercatat di BEI
Sejak 2010, Kinerja Keuangan 9M23 yang Sehat
Pemerintah
memiliki 60% Laba Bersih ROE NIM
saham, sementara Rp 15.7 Tn 15.5% 4.6%
Publik 40%
NPL
Credit Cost Total CAR
Gross/Net
1946 1955 1996 2.3%/0.6%
1.4% 21.9%
Berdiri di tahun Investment Grade Credit Ratings
1946, berperan BNI Singapore 1963 BNI Hong Kong
Cabang bank luar
sebagai bank 1968 BNI Tokyo
negeri pertama yang
sentral sekaligus 1983 BNI New York Baa2 (Stable) BBB- (Stable) BBB- (Stable) AAA (Stable)
dimiliki bank
komersial di Indonesia 1986 BNI London
Indonesia BNI Osaka (Sub-branch)
BNI Group
2012
2016 BNI Seoul
2022 BNI Amsterdam (Rep)
PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 2
Page 3
Update Kinerja BNI sd September 2023
TOTAL KREDIT (Rp Tn) Giro dan Tabungan/CASA (Rp Tn) BIAYA DANA PIHAK KETIGA (%)
646.2 650.8 671.4 557.3
634.3 2.25
622.6 532.3 2.07
622.6
512.5 512.9 1.87
1.75
485.7 1.38 1.40
485.7
72.4%
91.2% 91.2% 70.9% 70.9%
90.1%
69.6%
85.4% 85.2% 68.9% 68.6%
84.2%
Sep 22 Dec 22 Mar 23 Jun 23 Sep 22 Sep 23 Sep 22 Dec 22 Mar-23 Jun 23 Sep 22 Sep 23
CASA Ratio (%) 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23
LDR Bank Only (%)
NII & PPOP (IDR Tn) LOAN AT RISK (%) & COST OF CREDIT (%) LABA BERSIH (Rp Tn)
Consensus FY23 EAT Rp21.0 Tn
31.1
30.2
11.1 26.2 16.0 16.3 16.1 19.3
10.4 10.5 25.8 5.5 13.7 15.8
10.2
14.4 5.2
8.9
14.4 5.1
8.6 8.7 8.6
4.6
2.0 1.4
1.6 1.4 1.5 1.3
4Q22 1Q23 2Q23 3Q23 9M22 9M23
4Q22 1Q23 2Q23 3Q23 9M22 9M23 4Q22 1Q23 2Q23 3Q23 9M22 9M23
Net Interest Income PPOP Cost of Credit (%) LAR – incl. Covid (%)
PT BANK NEGARA INDONESIA (PERSERO) TBK.
NII : Net Interest Income, PPOP : Pendapatan Operasional Sebelum Pembentukan Penyisihan Pencadangan Kerugian PAGE 3
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Highlighted results
HIGHLIGHTED RESULTS (IDR Bn) 9M22 9M23 YoY (%) 4Q22 1Q23 2Q23 3Q23 QoQ (%)
Total Asset 943,608 1,009,309 7.0 1,029,837 1,012,363 1,025,091 1,009,309 -1.5
Total Kredit 622,607 671,371 7.8 646,188 634,326 650,770 671,371 3.2
B/S
Total Dana Pihak Ketiga 685,235 747,595 9.1 769,269 743,729 765,009 747,595 -2.3
[Consolidated]
Giro & Tabungan 485,676 512,890 5.6 557,320 512,542 532,340 512,890 -3.7
Time Deposit 199,559 234,705 17.6 211,949 231,187 232,670 234,705 0.9
Pendapatan Bunga Bersih 30,199 31,136 3.1 11,122 10,404 10,198 10,535 3.3
Pendapatan Bunga 39,270 46,218 17.7 15,389 15,019 15,276 15,924 4.2
Beban Bunga (9,071) (15,082) 66.3 (4,267) (4,615) (5,078) (5,389) 6.1
Pendapatan Non Bunga 11,014 10,498 -4.7 3,806 3,235 3,690 3,572 -3.2
P&L
[Consolidated]
Beban Operasional (19,361) (19,544) 0.9 (7,698) (6,503) (6,289) (6,752) 7.4
PPOP 25,831 26,242 1.6 8,581 8,652 8,648 8,941 3.4
Beban Pencadangan Kerugian (8,928) (6,710) -24.8 (2,586) (2,149) (2,362) (2,199) -6.9
Net Profit 13,692 15,753 15.1 4,620 5,221 5,081 5,452 7.3
P T B A N K N E G A R A I N D O N E S I A ( P E R S E R O ) T B K . | Disclaimer: Since Jun-22, BNI has consolidated Bank Mayora as subsidiary PAGE 4
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Key ratios
HIGHLIGHTED RESULTS (%) 9M22 9M23 YoY 4Q22 1Q23 2Q23 3Q23 QoQ
CASA Ratio (Consolidated) 70.9 68.6 -2.3 72.4 68.9 69.6 68.6 -1.0
COF (Third Party Funds) 1.4 2.1 0.7 1.8 1.9 2.1 2.2 0.2
NIM 4.80 4.64 -0.2 4.85 4.67 4.48 4.78 0.3
Profitability &
Efficiency Risk Adjusted NIM 3.4 3.6 0.2 3.7 3.7 3.4 3.8 0.4
[Bank Only]
ROAE* 15.2 15.5 0.3 14.3 15.5 15.1 15.8 0.7
Pre-tax ROAA 2.5 2.6 0.1 2.4 2.7 2.4 2.8 0.4
CIR 41.4 41.3 -0.1 46.1 41.7 40.6 41.5 0.9
LaR - Incl Covid 19.3 14.4 -4.9 16.0 16.3 16.1 14.4 -1.7
NPL (Gross) 3.0 2.3 -0.7 2.8 2.8 2.5 2.3 -0.2
Asset Quality
Credit Cost 2.0 1.4 -0.6 1.6 1.4 1.5 1.3 -0.2
[Bank Only]
LAR Coverage Ratio (Inc. Covid) 42.7 51.1 8.4 48.8 48.9 47.1 51.1 4.0
NPL Coverage Ratio 270.8 324.5 53.7 278.3 286.8 308.8 324.5 15.7
LDR 91.2 90.1 -1.1 84.2 85.4 85.2 90.1 4.9
Liquidity
LCR 193.1 183.5 -9.6 219.0 203.4 204.8 183.5 -21.3
[Bank Only]
NSFR 124.2 145.3 21.1 164.1 154.1 155.1 145.3 -9.8
Capital Tier-1 CAR 17.0 20.1 3.1 17.5 19.8 19.8 20.1 0.3
[Bank Only] Total CAR 18.9 21.9 3.0 19.3 21.6 21.6 21.9 0.3
*ROAE with average total equity as denominator ; 17.2% in 9M23 if the denominator is Tier 1 Capital as reported to OJK
P T B A N K N E G A R A I N D O N E S I A ( P E R S E R O ) T B K . | Disclaimer: Since Jun-22, BNI has consolidated Bank Mayora as subsidiary PAGE 5
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BBNI Investment Thesis & Company’s Priorities
BBNI INVESTMENT THESIS COMPANY’S PRIORITIES
Valuasi yang menarik
bagi investor
Portfolio pinjaman yang Pendanaan yang kokoh
Bank Nasional dengan
terdiversifikasi dengan portfolio dengan jaringan digital
kapasitas global yang
korporasi blue chip dan ritel yang yang reliable
kuat
kuat
Potensi Capital Gain
Manajemen risiko yang prudent Pertumbuhan ROE yang
dan permodalan yang kuat untuk berkelanjutan didorong oleh
mendorong pertumbuhan bisnis transformasi fundamental
PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 6
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Bank Nasional yang Kuat dengan Kapasitas Global
Jaringan domestik yang luas didukung oleh >1,800 outlet, >13k ATM, >173k agen laku pandai
(agen46), dan layanan digital yang terpercaya
Agen Laku Pandai Commercial SME Business Consumer Loan Outlets
ATM Employee
Business Center Center (SBE) Center (SKK) (KC, KCP, KK)
Sep-23 175.229 Sep-23 13.390 Sep-23 19 Sep-23 27 Sep-23 12 Sep-23 1.796 Sep-23 26,857
2022 164.979 2022 16.125 2022 23 2022 27 2022 12 2022 1.808 2022 27,170
2021 157.632 2021 16.385 2021 23 2021 27 2021 12 2021 1.854 2021 27,177
2020 152.762 2020 18.230 2020 33 2020 25 2020 12 2020 1.889 2020 27,202
OVERSEAS OFFICES
Singapore Nov 1955
Hongkong April 1963
Tokyo Sept 1969
New York April 1983
London April 1984
Osaka Dec 2012
Seoul Feb 2016
Amsterdam May 2022
Bank nasional dengan jaringan internasional terbesar di 7 pusat keuangan
PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 7
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Kredit yang terdiversifikasi baik dengan portfolio korporasi blue chip dan ritel yang kuat
Total Kredit Berdasarkan Segmen (September 2023) Selama beberapa dekade menjadi partner korporasi di Indonesia
dalam mengembangkan bisnis
Komposisi Pinjaman (Rp Tn)
120 .0% 700 .0
RINGKASAN NASABAH KORPORASI DAN UMKM
7.8%
622,6 646,2 634,3 650,8 671,4
650 .0
yoy 394,655 472 2,590 391,593
0.6% 0.8% 0.9% 1.1% DEBITUR DEBITUR DEBITUR DEBITUR
0.6%
100 .0%
600 .0
BUSINESS BANKING KORPORASI BISNIS MENENGAH BISNIS KECIL
17.0% 17.0% 17.8% 17.7% 17.8%
550 .0
80. 0%
15.5% 15.0% 14.6% 13.8% 13.0% 500 .0
RINGKASAN NASABAH INDIVIDU
60. 0%
17.3% 17.4% 17.0% 16.3% 16.0% 450 .0
67.7 juta 23.6 juta 2.0 juta 235,899
400 .0
AKUN NASABAH KPR
AKUN TABUNGAN KARTU KREDIT
40. 0%
DANA PIHAK KETIGA
350 .0
49.6% 50.0% 49.9% 51.3% 52.1%
Menyediakan Solusi Keuangan Komprehensif segmen wholesale & retail
300 .0
20. 0%
250 .0
0.0 % 200 .0
Deposits and Trade Finance Cash Management Bank Guarantee Treasury Money market IB/Custody/Trustee
Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 loans
Perusahaan Anak Konsumer Kecil Menengah Korporasi
Wealth Management Payment Services Remittance Electronic Banking Bancassurance Agent Banking
PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 8
Page 9
Pendanaan yang kokoh dengan jaringan digital yang reliable
Komposisi Dana Pihak Ketiga (Rp Tn) CASA dengan Fokus pada Transaksi
120 .0%
685,2 769,3 743,7 765,0 747,6 815 .0
7.8% BNI Mobile Banking
715 .0 yoy
100 .0%
615 .0
# Pengguna Jumlah Transaksi Nilai Transaksi
29.1% 27.6% 31.1% 30.4% 31.4%
80. 0% 515 .0
(dalam juta) (dalam juta) (Rp tn)
415 .0
60. 0%
33.6% 31.5% 30.6% 30.1% 29.7% 315 .0
40. 0% 215 .0 15.6 738 874
+21% YoY +75% YoY +54% YoY
115 .0
20. 0%
37.3% 40.9% 38.3% 39.5% 38.9% 15.0
0.0 % -85.0
Sept-22 Dec-22 Mar-23 Jun-23 Sep-23
Giro Tabungan Deposito BNI Cash Management
# Pengguna Jumlah Transaksi Nilai Transaksi
Biaya Dana Pihak Ketiga (%) – Bank Only (dalam ribu) (dalam juta) (Rp tn)
4.87
4.20 152.6 745 5,017
3.97
3.32 3.41 +25% YoY +38% YoY +17% YoY
2.90
2.64
2.47 2.35 2.35 2.25
2.07
1.75 1.87
1.59 1.46 1.38 1.40
1.90
2.09 Mobile Banking dan Cash Management berkontribusi signifikan terhadap CASA
1.80 1.77
1.38 1.40 1.52
1.28 1.33
0.95
0.68 0.58 0.55 0.56 0.61 0.61 0.58
0.56 66% 93%
2020 2021 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23
Saldo tabungan ritel berasal dari Saldo giro berasal dari pengguna Layanan
Giro Tabungan Deposito Biaya Dana Pihak Ketiga pengguna BNI Mobile Banking cash management
PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 9
Page 10
Manajemen risiko yang prudent dan permodalan yang kuat untuk
mendorong pertumbuhan bisnis
Kualitas Aset Terus Membaik Sound Capital Base
21.9%
37.0
4.3
19.7% 19.7% 1.8%
3.7 19.3%
3.0 1.0% 1.5%
23.3 2.8 2.0% 1.8%
19.3 2.3
18.7% 16.8% 18.6%
16.0 1.3% 1.4%
14.0 1.1%
16.4% 16.1%
15.7%
Persyaratan
4.1 3.3 2.0 1.9 1.4
Regulator
2020 2021 Sep-22 2022 Sep-23
Cost of Credit (%) Gross NPL (%) LAR Incl Covid (%)
13.8%
Min CAR Risk Profile
Penyisihan Pencadangan Kerugian yang Memadai + add buffers
48.8% 48.9% 47.1% 51.1%
37.0% 39.3% 42.3% 42.7%
32.9% 34.3%
9.8%
CAR based on
risk profile
308.8% 324.5%
263.3% 270.8% 278.3% 286.8%
226.8% 233.4% 250.1%
215.3%
Jun-21 Sep-21 Des-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23
NPL Coverage Ratio LAR Coverage Incl Covid 2019 2020 2021 2022 Sep-23
Notes: Menggunakan data konsolidasi.
1) LAR ratio (incl. Covid-19) = Special Mention loans + NPL + Total Current Restructured Loans
2) Cost of credit = provisioning expense in current year divided by total loan CET 1 AT 1 Tier 2 CAR
3) NPL Coverage Ratio = Allowance for Impairment Losses divided by NPL amount.
4) LAR Coverage Ratio = Allowance for Impairment Losses divided by LAR amount
PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 10
Page 11
Pertumbuhan ROE yang berkelanjutan didorong oleh transformasi fundamental
Perbaikan CASA dan CoF mendukung ekspansi kredit Portfolio de-risking melalui fokus pada Corporate Blue Chip
CASA to LOAN & COST OF THIRD-PARTY FUNDS (%) – BANK ONLY 18.4% CAGR 3 Years (Sep’20 – Sep’23)
3.2% 15.0% 14.6%
2.9% Strategi
pertumbuhan
2.0% 6.7% 5.8%
1.7% yang fokus
1.4% 4.4%
pada blue chip 2.4%
78.7% 77.9% 78.1% corporates dan -4.4% -7.1%
76.7%
consumer.
Payroll Loan
Mortgage
Enterprise
Commercial
SME
Credit Card
Corporate
Corporate
Loan Consol
Private
SOE
66.7%
Sep 19 Sep 20 Sep 21 Sep 22 Sep 23
CASA to Loan (%) Cost of Third Party Fund
Perbaikan Profil Risiko: NPL dan COC lebih rendah Laba Bersih yang meningkat secara berkelanjutan
4.3% Laba Bersih (Rp Tn)
3.7%
3.2% Consensus FY23 EAT Rp21.5 Tn
2.8% 2.5%
2.3% 2.3% 18.3 13.7 15.8
15.0 15.4
10.9
4.1%
3.3%
2.2% 1.9%
1.6% 1.4% 1.4% 3.3
2019 2020 2021 Jun-22 2022 Jun-23 Sep-23
Credit Cost (%) NPL Ratio(%) 2018 2019 2020 2021 2022 9M22 9M23
PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 11
Page 12
3Q2023
Inisiatif Digital
PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 12
Page 13
Transformasi BNI Mobile Banking menjadi pilihan utama nasabah
# JUMLAH PENGGUNA JUMLAH TRANSASKSI
(dalam Juta) (dalam Juta)
The 1st overall E-Banking Best Product and Business
and 1st Phone Banking in Model of BNI Mobile
the National Banking
Industry
Banking Innovation
20.9 % 75.3 %
YoY YoY
NILAI TRANSAKSI MOBILE BANKING TELAH MELAMPAUI NILAI TRANSAKSI ATM
Nilai Transaksi Kuartalan (Rp. Tn)
15.6 738
330 12.9
10.0 421
316
288
255 Sep-21 Sep-22 Sep-23 9M21 9M22 9M23
234
209 206 211
188 192 190 196 174 174 175 193
174 165 167 164
178
149 160 168 163 154
RATA – RATA HARIAN
131 138 NILAI TRANSAKSI
114 117 TRANSAKSI MOBIL BANKING
103 (Rp Tn) (dalam Juta)
1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23
ATM Mobile Banking 53.6 % 74.2 %
YoY YoY
Tampilan Baru yang Fresh
dirilis pada September 2023 BEST-IN-CLASS MOBILE BANKING APP LEADS TO MORE STICKY USERS
Jumlah Transaksi Rata – rata Nilai Retention Rate (%)** 2.70
App Store Google Play Pengguna Aktif per bulan Transaksi
874
Ratings* Ratings* (Rp. Juta)
448 569 1.55
1.15
4,7/5,0 4,6/5,0 17.4
90.
0
91.
0 9M21 9M22 9M23 9M21 9M22 9M23
11.4
1,18
Sep-22 Sep-23 Sep-22 Sep-23 Penggunaan BNI Mobile Banking bertumbuh pesat, baik secara
*Data as of 30 September 2023 jumlah pengguna maupun frekuensi transaksinya
**% of users who return to perform' transactions from the previous month
PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 13
Page 14
Solusi Digital yang Solid untuk Nasabah Business Banking
#PENGGUNA (in 000)
Masih ada ruang untuk tumbuh 24.9%
BNIDIRECT WEB & MOBILE API SERVICES
YoY
▪ Tingkat penetrasi yang kuat kepada nasabah Korporasi:
73% dari total nilai transaksi berasal dari nasabah
Korporasi 152.6
122.1
▪ Nilai transaksi nasabah Korporasi meningkat
24% YoY Sep-22 Sep-23
NILAI TRANSAKSI (Rp Tn)
17.2%
Berbagai channel digital untuk YoY
membantu nasabah melakukan
transaksi dimanapun, kapanpun 5,017
4,280
9M22 9M23
FINANCIAL SUPPLY
ONLINE BANK GUARANTEE CHAIN MANAGEMENT
#TRANSAKSI (juta)
Payment Value Chain
Management Management 37.9%
YoY
Collection Open Banking
Management Solution
745
540
Liquidity
Management
9M22 9M23
PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 14
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Solusi transaksi yang reliable membawa peningkatan CASA yang sticky
218 205 209
206 199 204 206 204
190 191 194
181
62.9% 65.4% 65.7%
59.2% 60.9% 64.0%
Mobile Banking 50.4% 52.7% 55.6% 57.3%
47.4%
Saldo tabungan terus 44.6%
137 131 137 134
115 114 121 125
meningkat (65,7% dari total 85 86 96 102
tabungan ritel)
Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep
2020 2021 2022 2023
Total Saldo Tabungan Ritel Saldo Tabungan Pengguna Mbanking Kontribusi dari Pengguna Mbanking
284 289 284
275
254 247 248
211 215 221
204 205
1.89%
Cash Management 1.90% 1.80% 1.79%
Rata-rata saldo giro terus 1.38% 1.38% 1.41%
1.33% 1.30% 1.35% 1.37%
meningkat sehingga Cost of 1.28%
Fund menjadi favorable
176 188 196 201 197 228 227 232 248 255 264 263
Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep
2020 2021 2022 2023
Rata-rata Saldo Giro Kontribusi dari Layanan Cash Management Current Acc CoF YTD
PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 15
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1H2023
hibank : Transformasi menuju Digital Bank yang fokus pada Segmen UMKM
Mempertahankan fundamental yang baik di tengah Progress transformasi
Milestones
masa transformasi menjadi bank digital UMKM
18 Mei 2022 Struktur Pemegang Kredit UKM berbasis kluster
Saham
Resmi mengakuisisi PT Bank Mayora Penyaluran kredit baru untuk
6 Jan 2023
Mayora
Inti Utama
BNI IDR668Bn UMKM dengan pendekatan
kluster (Jan-Sep 2023)
Penunjukkan manajemen baru
FMCG Cluster
36,08% 63,92%
Supplier Financing Distributor Financing
17 May 2023
Rebranding menjadi hibank untuk
mendukung visi menjadi Bank Digital UMKM
di Indonesia
Highlight kinerja hibank di 9M23
IDR14.3 T 72.2% 76.2%
Total Asset Loan Growth ytd CASA Growth ytd
Logo Philosophy: 58.2% 1.7% 140.1%
“Hi” is a component of the word HIGH. "hi" is also associated LDR Ratio Gross NPL NPL Coverage
with friendly, friendly, simple, and reliable characters
PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 16
Page 17
3Q2023
Praktik
Keuangan
Berkelanjutan
PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 17
Page 18
Berkontribusi pada pembiayaan keberlanjutan melalui Sustainability Linked
Loan (SLL)
Portofolio Keberlanjutan Rp 178.9 Tn atau 27% dari total pinjaman (bank only) Kami berupaya untuk terus berkontribusi pada
perkembangan keuangan keberlanjutan di dunia dengan
Pemberdayaan Segmen bisnis memperkenalkan Sustainability Linked Loan (SLL)
Pencegahan Polusi
UMKM
Sektor ekonomi Total pinjaman yang Sustainability Performance
Melalui debitur disalurkan melalui Targets (SPT)
118.3 Tn 3.7 Tn
pembiayaan skema SLL
Rp dan Rp
pemberdayaan
UMKM
Agro-industri
Meminimalisir
Industri
dampak polusi air
Environmentally
Pengelolaan Sustainable
sumber daya alam Lainnya pengolahan
hayati dan penggunaanNatural
Management of Living lahan yang (Sustainable water dan
Resources
ramahand Land Use
lingkungan wastewater management, dll)
48% dari debitur Industri
~ total Mencapai emisi
Rp 21.5 Tn
minyak sawit di
segmen korporasi Rp 25.3 Tn pengolahan
semen
314 juta karbon yang
spesifik
telah memiliki USD
sertifikasi
ISPO/RSPO
Industri
Peningkatan scoring
pengolahan
Energi Terbarukan ESG secara tahunan
baja
10.1 Tn
Pembiayaan
Rp kepada industri
hydro, solar & ▪ Sustainability-linked loans (SLL) mulai banyak menarik minat dan perhatian
biogas power plant
▪ SLL encourages borrowers to achieve ambitious Sustainability Performance
Targets (SPT)
* sustainable portfolio is loan to business sectors that meet the requirements of The Sustainable
Business Activities Category (KKUB) of OJK
PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 18
Page 19
• ESG
Pengakuan Eksternal untuk praktik ESG di BNI yang terbaik di
kelasnya
MSCI ESG RATING SUSTAINALYTICS SUSTAINAYTICS ISS ESG
ESG Risk Rating Ranking
MSCI A 21.4 Medium
Risk
INDUSTRY GROUP
Banks 263 out of 1010
D+
ESG RATINGS Negl. Low Med. High Severe
UNIVERSE
Global Universe 5,137 out of 15,652
0-10 10-20 20-30 30-40 40+
CCC B BB BBB A AA AAA D- D D+ C- C C+ B-
Last Update: Last Update: Last Update:
07 October 2023 28 September 2023 10 October 2023
SRI (KEHATI) INDEX IDX ESG LEADER INDEX CORPORATE GOVERNANCE PERCEPTION THE 14TH IICD CORPORATE
Constituent of Sustainable Investment 1 of 30 Public Company Listed INDEX (CGPI) AWARD 2022 GOVERNANCE AWARD 2023
INDONESIAN
BIODIVERSITY IDX ESG star-listed companies:
FOUNDATION https://esg.idx.co.id/
The Best Overall in Category
Period: Period: Big Cap Public Listed Company
The Most Trusted Company
Dec 2022 – May 2023 15 Mar 2023 – 19 Sep 2023
20 December 2022 18 September 2023
* Based on the 2022 ASEAN Corporate Governance Scorecard (ACGS)
PT BANK NEGARA INDONESIA (PERSERO) TBK. standard from the Indonesia Institute for Corporate Directorship (IICD) P A G E 19
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PT. Bank Negara Indonesia (Persero) Tbk. Investor Relations Division Menara Astra Building, 32nd Floor Zone F Jl Jend Sudirman kav. 5 - 6 Jakarta 10220 T: 62-21-86656800 E: ir@bni.co.id Disclaimer This presentation has been prepared by PT. Bank Negara Indonesia (Persero) Tbk (the “Company”) for information purposes only. No representation or warranty, express or implied, is given by or on behalf of the Company as to the accuracy or completeness of the information or opinions contained in this presentation. The presentation does not constitute or form part of an offer, solicitation or invitation of any offer, to buy or subscribe for any securities, nor should it or any part of it form the basis of, or be relied in any connection with, any contract, investment decision or commitment whatsoever. The Company does not accept any liability whatsoever for any loss however arising from any use of this presentation or their contents or otherwise arising in connection therewith. Forward Looking Statements Some of the information in this presentation may contain projections or other forward-looking statements regarding future events or the future financial performance of the Company. These forward-looking statements include all matters that are not historical facts. They are subject to known and unknown risks and uncertainties and can be affected by other factors that could cause actual results to differ materially from those expressed or implied in the forward-looking statements. The Company undertakes no obligation to revise or update any forward-looking statement contained within this presentations, regardless of whatever those statements are affected as a result of new information, future events or otherwise. Rounding Please note that rounding differences may appear throughout the presentation.
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