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PT BANK OF INDIA INDONESIA TBK FINANCIAL STATEMENTS
AS OF 31 DECEMBER 2025 AND 31 DECEMBER 2024 (AUDITED)
HEAD OFFICE
Jl. K.H. Samanhudi No. 37. Jakarta, Telp. : 021-3500007 (Hunting), Fax : 021 - 3808178, Contact Center : Hello BOII 150707
Website : www.boiindonesia.co.id, Email : corporate@boiindonesia.co.id. Share Code : BSWD, SWIFT BKIDIDJA.
BRANCH OFFICE
Samanhudi : Jl. Samanhudi No. 37 Central Jakarta 10710
Mangga Dua : Wisma Eka Jiwa Jl. Arteri Mangga Dua Raya Blok RM No. 17 Mangga Dua South Jakarta 10730
Bandung : Jl. Veteran No. 49 Bandung
Tunjungan : Jl. Tunjungan No. 32 Surabaya East Java
Coklat : Jl. Coklat No. 20-22 Surabaya 60161
Denpasar : Ruko Indah Blok 27 Diponegoro Street No. 135-137
Medan : Jl. H. Zainul Arifin No. 55-C/31
Makassar : Jl. Ujung Pandang (Ex. Taman Bahari) No. 13
SUB-BRANCH OFFICE
Kelapa Gading : Graha KNS, Jl Raya Boulevard Barat Blok XC 5-6 Kelapa Gading North Jakarta 14240
Sunter : Jl. Danau Sunter Utara (Sunter Garden Complex) Blok D-1 Kav. 12-13 No. 3 North Jakarta 14350
Kramat Jati : Jl. Raya Bogor KM 21 No. 18 Kramat Jati East Jakarta 13830
MD Place : MD Place Tower 2 South Setiabudi Street No. 7 South Jakarta
Ngagel : Ngagel Jaya South Street No. 169-A Surabaya 60284
Wiyung : Taman Pondok Indah Shophouse Block A-37 Jl. Raya Menganti 211
CASH OFFICE
Gandhi National School : Jl. Pangandaran IX Blok B4 West Ancol North Jakarta
Gandhi Memorial Intercontinental
: Jl. H.B.R Motik - Blok D.6 No. 1 Kemayoran Central Jakarta
School (GMIS)
Page 2
PT BANK OF INDIA INDONESIA TBK
STATEMENTS OF FINANCIAL POSITION
AS OF 31 DECEMBER 2025 AND 31 DECEMBER 2024
(In millions of rupiah)
No. ACCOUNTS 31 DEC 2025 31 DEC 2024
ASSETS
1. Cash 28,287 14,061
2. Placements with Bank Indonesia 957,662 254,321
3. Placements with other banks 32,279 7,270
4. Spot and derivative/forward receivables 44 1,350
5. Securities 1,668,184 1,962,741
6. Securities sold under repurchase agreement (repo) - -
7. Securities purchased under resell agreements (reverse repo) 101,488 266,444
8. Acceptance receivables - -
9. Loans and financing 4,189,110 4,140,311
10. Sharia financing - -
11. Equity investment - -
12. Other financial assets 25,769 21,565
13. Impairment on financial assets -/-
a. Securities - -
b. Loans and Sharia financing 63,725 119,077
c. Others 8 -
14. Intangible assets 32,279 27,683
Accumulated amortization on intangible asset -/- 26,099 22,202
15. Fixed assets and equipment 162,023 157,658
Accumulated depreciation on fixed assets and equipment -/- 27,006 31,793
16. Non earning assets
a. Abandoned property - -
b. Foreclosed assets 59,855 96,235
c. Suspense accounts - -
d. Interbranch assets - -
17. Other assets 37,103 38,590
TOTAL ASSETS 7,177,245 6,815,157
No. ACCOUNTS 31 DEC 2025 31 DEC 2024
LIABILITIES
1. Current account 582,274 481,456
2. Saving account 105,309 96,460
3. Time deposit 2,930,133 2,524,789
4. Electronic money - -
5. Liabilities to Bank Indonesia - -
6. Liabilities to other banks 63 209,297
7. Spot and derivative/forward liabilities 1,046 2,204
8. Liabilities on securities sold under repurchase agreement (repo) - -
9. Acceptance liabilities - -
10. Issued securities - -
11. Loans/financing received - -
12. Margin deposit 750 744
13. Interbranch liabilities - -
14. Other liabilities 45,417 42,843
TOTAL LIABILITIES 3,664,992 3,357,793
EQUITIES
15. Paid in capital
a. Capital 2,200,000 2,200,000
b. Unpaid capital -/- 1,462,227 1,462,227
c. Treasury stock -/- - -
16. Additional paid in capital
a. Agio 2,895,254 2,895,254
b. Disagio -/- - -
c. Fund for paid up capital - -
d. Others - -
17. Other comprehensive income
a. Gains 115,136 107,627
b. Losses -/- 2,161 1,260
18. Reserves
a. General reserves 20,000 20,000
b. Appropriated reserves - -
19. Gain/loss
a. Previous years (302,031) (380,785)
b. Current Year 48,282 78,755
c. Dividends paid -/- - -
TOTAL EQUITIES 3,512,253 3,457,364
TOTAL LIABILITIES AND EQUITIES 7,177,245 6,815,157
Page 3
PT BANK OF INDIA INDONESIA TBK
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
FOR THE PERIODS ENDED 31 DECEMBER 2025 AND 31 DECEMBER 2024
(In millions of rupiah)
No. ACCOUNTS 31 DEC 2025 31 DEC 2024
OPERATIONAL INCOME AND EXPENSES
A. Interest income and expenses
1. Interest income 426,073 418,151
2. Interest expenses 144,823 138,328
Net interest income (expenses) 281,250 279,823
B. Other operational income and expenses
1. Gains (losses) from increase (decrease) fair value on financial assets (1,001) (855)
2. Gains (losses) from decrease (increase) fair value on financial liabilities - -
3. Gains (losses) on sale of financial assets - -
4. Gains (losses) on spot and derivatives/forward (realised) 2,519 2,476
5. Gains (losses) on investment under equity method - -
6. Gains (losses) from translation of foreign currency transactions (267) (253)
7. Dividend income - -
8. Commission/provision/fee and administration income 17,577 15,503
9. Other income 39,451 24,536
10. Impairment for financial assets 117,756 86,711
11. Losses on operational risk 2,276 -
12. Personnel expenses 57,265 50,158
13. Promotion expenses 354 770
14. Others expenses 98,561 80,700
Net Other Operational Income (Expenses) (217,933) (176,932)
OPERATIONAL PROFIT (LOSS) 63,317 102,891
NON OPERATIONAL INCOME AND EXPENSES
1. Gains (losses) on sale of fixed assets and equipment 135 51
2. Other non operational income (expenses) 235 (1,627)
NON OPERATIONAL PROFIT (LOSS) 370 (1,576)
CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 63,687 101,315
Income tax
a. Estimated current year tax 13,156 19,934
b. Deferred tax income (expenses) (2,249) (2,626)
NET PROFIT (LOSS) AFTER TAX 48,282 78,755
OTHER COMPREHENSIVE INCOME
1. Items that will not be reclassified to profit or loss
a. Revaluation surplus of fixed assets 9,628 -
b. Gains (losses) from actuary benefit program (1,155) 86
c. Others (1,864) (19)
2. Items that will be reclassified to profit or loss
a. Gains (losses) arising from translation of financial statements in foreign currency - -
- -
b. Gains (losses) from changes in fair value of financial assets - debt instruments
measured through other comprehensive income - -
c. Others - -
OTHER COMPREHENSIVE INCOME FOR THE PERIOD AFTER INCOME TAX 6,609 67
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 54,891 78,822
Net Profit (Loss) Attributable To :
- Parent Entity 48,282 78,755
- Non-Controlling Interest
NET PROFIT (LOSS) FOR THE PERIOD 48,282 78,755
Total Comprehensive Profit (Loss) Attributable To :
- Parent Entity 54,891 78,822
- Non-Controlling Interest
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 54,891 78,822
PROFIT/LOSS TRANSFER TO HEAD OFFICE - -
DIVIDEND - -
EARNINGS PER SHARE (in full amount) 13 21
Page 4
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF COMMITMENTS & CONTINGENCIES
AS OF 31 DECEMBER 2025 AND 31 DECEMBER 2024
(In millions of rupiah)
No. ACCOUNTS 31 DEC 2025 31 DEC 2024
I. COMMITTED RECEIVABLES
1. Unused borrowings/financing facilities - -
2. Foreign currency positions to be received from spot and derivatives/forward transactions 212,690 554,473
3. Others 72,784 70,482
II. COMMITTED LIABILITIES
1. Unused credit/financing facilities
a. Committed - -
b. Uncommitted 230,026 220,195
2. Outstanding irrevocable letters of credit 1,088 -
3. Foreign currency positions to be submitted for spot and derivatives/forward transactions 7,671 337,995
4. Others - -
III. CONTINGENT RECEIVABLES
1. Received guarantees - -
2. Others 35,598 18,429
IV. CONTINGENT LIABILITIES
1. Issued guarantees 25,341 30,418
2. Others - -
Page 5
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF SPOT AND DERIVATIVE TRANSACTIONS
AS OF 31 DECEMBER 2025
(In millions of rupiah)
INDIVIDUAL
NO. TRANSACTIONS Notional Objectives Derivative Receivables and Payables
Amount Trading Hedging Receivables Payables
A. Related to Exchange Rate
1 Spot 11,993 - 11,993 44 26
2 Forward - - - - -
3 Option
a. Put - - - - -
b. Call - - - - -
4 Future - - - - -
5 Swap 209,459 - 209,459 - 1,020
6 Others - - - - -
B. Related to Interest Rate
1 Forward - - - - -
2 Option
a. Put - - - - -
b. Call - - - - -
3 Future - - - - -
4 Swap - - - - -
5 Others - - - - -
C. Others - - - - -
TOTAL 221,452 - 221,452 44 1,046
Page 6
PT BANK OF INDIA INDONESIA TBK
CALCULATION OF CAPITAL ADEQUACY RATIO / CAR
AS OF 31 DECEMBER 2025 AND 31 DECEMBER 2024
(In millions of rupiah)
CAPITAL COMPONENTS 31 DEC 2025 31 DEC 2024
I Core Capital (Tier 1) 3,338,383 3,357,542
1 Common Equity Tier 1 (CET 1) 3,338,383 3,357,542
1.1 1.1. Paid-in Capital (After the deduction of treasury stock) 737,773 737,773
1.2 1.2. Disclosed Reserves 2,623,358 2,645,931
1.2.1 Addition Factor 3,078,672 3,101,636
1.2.1.1 Other comprehensive income 115,136 107,627
1.2.1.1.1 Translation of financial statements in foreign currency - -
Unrealized gain on financial assets measured through other
1.2.1.1.2 - -
comprehensive income
1.2.1.1.3 Revaluation surplus of fixed assets 115,136 107,627
1.2.1.2 Other disclosed reserve 2,963,536 2,994,009
1.2.1.2.1 Agio / Disagio 2,895,254 2,895,254
1.2.1.2.2 General Reserves 20,000 20,000
1.2.1.2.3 Previous year's profit - -
1.2.1.2.4 Current year's profit 48,282 78,755
1.2.1.2.5 Fund for paid-in capital - -
1.2.1.2.6 Others - -
1.2.2 Deduction Factor (455,314) (455,705)
1.2.2.1 Other comprehensive income - -
1.2.2.1.1 Translation of financial statements in foreign currency - -
Unrealized loss on financial assets measured through other
1.2.2.1.2 - -
comprehensive account
1.2.2.2 Other disclosed reserve (455,314) (455,705)
1.2.2.2.1 Disagio - -
1.2.2.2.2 Previous year's losses (302,031) (380,785)
1.2.2.2.3 Current year's losses - -
Difference between allowance for possible losses and allowance for
1.2.2.2.4 (53,863) -
impairment losses on earning assets
Difference on the total of fair value adjustment from financial instruments in
1.2.2.2.5 - -
trading book
1.2.2.2.6 Allowance for losses on non productive assets required to be provided (99,420) (74,920)
1.2.2.2.7 Others - -
1.3 Non-controlling interest - -
1.4 Deduction Factor of Common Equity Tier 1 (22,748) (26,162)
1.4.1 Deferred tax (16,568) (20,681)
1.4.2 Goodwill - -
1.4.3 Other intangible assets (6,180) (5,481)
1.4.4 Investments in shares of stock - -
1.4.5 Shortage of capital on insurance subsidiary company - -
1.4.6 Securitisation Exposure - -
1.4.7 Other deduction factor of common equity tier 1 - -
Investments in Instruments issued by the other bank that meet the criteria
1.4.7.1
for inclusion in additional tier 1 and tier 2
Cross ownership of other entities obtained due to transfer because of law,
1.4.7.2 - -
grant, or bequest
2 Additional Tier 1 Capital (AT-1) - -
2.1 Instruments that meet the criteria of AT 1 - -
2.2 Agio / Disagio - -
2.3 Deduction factor - -
2.3.1 Investments in Instruments issued by the other bank that meet the criteria for inclusion
- -
in additional tier 1 and tier 2
2.3.2 Cross ownership of other entities obtained due to transfer because of law, grant, or
- -
bequest
Page 7
CALCULATION OF CAPITAL ADEQUACY RATIO / CAR
AS OF 31 DECEMBER 2025 AND 31 DECEMBER 2024
(In millions of rupiah)
CAPITAL COMPONENTS 31 DEC 2025 31 DEC 2024
II Tier 2 Capital 30,362 31,897
1 Instruments issued by the bank that meet the criteria for inclusion in
- -
tier 2 capital
2 Agio/disagio - -
3 General allowance for losses on earning assets (max. 1.25% from risk-weighted assets) 30,362 31,897
4 Deduction Factor of Tier 2 Capital - -
4.1 Sinking Fund - -
4.2 Investments in Instruments issued by the other bank that meet the criteria for inclusion in
- -
additional tier 2
4.3 Cross ownership of other entities obtained due to transfer because of law, grant, or bequest
- -
TOTAL CAPITAL 3,368,745 3,389,439
RISK-WEIGHTED ASSETS (RWAs)
RWAs CONSIDERING CREDIT RISK 3,618,673 3,635,421
RWAs CONSIDERING MARKET RISK - -
RWAs CONSIDERING OPERATIONAL RISK 218,466 191,181
TOTAL RISK-WEIGHTED ASSETS 3,837,139 3,826,602
Min. Capital Requirements Based on Risk Profile 9.99% 9.99%
REGULATORY MINIMUM CAPITAL REQUIREMENT ALLOCATION BASED
ON RISK PROFILE
From CET1 ( % ) 9.99% 9.99%
From AT1 ( % ) 0.00% 0.00%
From Tier 2 ( % ) 0.00% 0.00%
CAR RATIO
CET 1 Ratio (%) 87.00% 87.74%
Tier 1 Ratio (%) 87.00% 87.74%
Tier 2 Ratio (%) 0.79% 0.83%
CAR Ratio 87.79% 88.58%
CET 1 FOR BUFFER (%) 77.80% 77.74%
REGULATORY BUFFER PERCENTAGE REQUIRED BY BANK (%)
Capital Conservation Buffer (%) 0.00% 0.00%
Countercyclical Buffer (%) 0.00% 0.00%
Capital Surcharge for Systemic Bank (%) 0.00% 0.00%
Page 8
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF CASH FLOWS
FOR THE PERIODS ENDED 31 DECEMBER 2025 AND 31 DECEMBER 2024
(In millions of rupiah)
ACCOUNTS 31 DEC 2025 31 DEC 2024
CASH FLOWS FROM OPERATING ACTIVITIES
Receipt of interest income, fees and commissions 436,801 425,766
Other operating income 41,377 28,695
Payments of interest expenses, fees and commissions (150,893) (141,712)
Payments of post-employment benefits (58,951) (50,129)
Payment of general, administration, maintenance and repairs (48,071) (49,101)
Other non-operating income / (expense) - net 236 (1,627)
Operating Profit before changes in operating activities 220,499 211,892
Changes in operating assets and liabilities
Decrease / (Increase) in operating assets :
Loans 13,503 (386,017)
Other assets (253,479) (184,525)
Increase (decrease) in operating liabilities :
Obligations Due Immediately 202 (579)
Deposits 305,776 611,157
Other liabilities 2,933 (8,554)
Net cash provided by (used in) operating activities 289,434 243,374
CASH FLOWS FROM INVESTING ACTIVITIES
Decrease (increase) in securities held until maturity 294,557 (848,999)
Proceeds from sale of fixed assets 135 51
Acquisitions of fixed assets and intangible assets (5,675) (8,573)
Decrease (Increase) in securities purchased under resale agreements 164,956 452,748
Net cash provided by investing activities 453,973 (404,773)
CASH FLOWS FROM FINANCING ACTIVITIES
Payment of lease liabilities (756) (496)
Stock issuance costs - -
Net cash provided by financing activities (756) (496)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 742,651 (161,895)
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR 275,651 437,799
Effect of foreign exchange rate changes (83) (253)
CASH AND CASH EQUIVALENTS AT END OF YEAR 1,018,219 275,651
SUPPLEMENTAL DISCLOSURES
Cash and cash equivalents consist of :
Cash 28,287 14,061
Current accounts with Bank Indonesia 257,859 150,335
Current accounts with other banks 12,278 7,270
Placements with Bank Indonesia and other banks - mature within 3
719,795 103,985
(three) months
Total cash and cash equivalents 1,018,219 275,651
Page 9
PT BANK OF INDIA INDONESIA TBK
FINANCIAL RATIOS CALCULATION
AS OF 31 DECEMBER 2025 AND 31 DECEMBER 2024
No. RATIO 31 DEC 2025 31 DEC 2024
I. Performance Ratio
1 Capital Adequacy Ratio (CAR) 87.79% 88.58%
2 Non performing earning assets and non earning assets to 4.19% 5.06%
total earning assets and non earning assets
3 Non perfoming earning assets to total earning assets 3.36% 3.70%
4 Allowance for impairment on financial assets to earning 0.95% 1.84%
assets
5 NPL gross 5.58% 6.02%
6 NPL net 4.33% 3.48%
7 Return on Asset (ROA) 0.92% 1.52%
8 Return on Equity (ROE) 1.44% 2.39%
9 Net Interest Margin (NIM) 4.30% 4.44%
10 Operating Expenses to Operating Income (BOPO) 88.27% 79.71%
11 Cost to Income Ratio (CIR) 44.93% 44.09%
12 Loan to Deposits Ratio (LDR) 115.79% 133.44%
II. Compliance
1 a. Percentage Violation of Legal Lending Limit
I. Related parties - -
II. Non related parties - -
b. Percentage Lending in excess of Legal Lending Limit
I. Related parties - -
II. Non related parties - -
2 Reserve Requirement
a. Primary Reserve Requirement (Rupiah) 9.90% 5.06%
b. Reserve Requirement (Foreign currencies) 4.06% 4.25%
3 Net Open Position 0.02% 0.18%
Page 10
EARNING ASSETS QUALITY AND OTHER INFORMATION
BANK : PT BANK OF INDIA INDONESIA TBK
DATE OF REPORT : 31 DECEMBER 2025 AND 31 DECEMBER 2024
(In millions of Rupiah)
INDIVIDUAL
No. ACCOUNTS 31 DECEMBER 2025 31 DECEMBER 2024
L DPK KL D M Total L DPK KL D M Total
I. RELATED PARTIES
1. Placement with other banks 1,052 - - - - 1,052 1,136 - - - - 1,136
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies 1,052 - - - - 1,052 1,136 - - - 1,136
2. Spot and derivative/forward receivables - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
3. Securities - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Claims on securities bought under reverse repo - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables - - - - - - - - - - - -
7. Loans and financing 7 - - - - 7 - - - - - -
a. Micro, small and medium enterprises (UMKM) - - - - - - - - - - - -
i. Rupiah - - - - - - - - - - - -
ii.. Foreign currencies - - - - - - - - - - - -
b. Non micro, small and medium enterprises (non UMKM) 7 - - - - 7 - - - - - -
i. Rupiah 7 - - - - 7 - - - - - -
ii.. Foreign currencies - - - - - - - - - - -
c. Restructured loans - - - - - - - - - - - -
i. Rupiah - - - - - - - - - - - -
ii.. Foreign currencies - - - - - - - - - - - -
8. Equity investment - - - - - - - - - - - -
9. Other receivables* - - - - - - - - - - - -
10. Commitments and contingencies - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
Page 11
EARNING ASSETS QUALITY AND OTHER INFORMATION
BANK : PT BANK OF INDIA INDONESIA TBK
DATE OF REPORT : 31 DECEMBER 2025 AND 31 DECEMBER 2024
(In millions of Rupiah)
INDIVIDUAL
No. ACCOUNTS 31 DECEMBER 2025 31 DECEMBER 2024
L DPK KL D M Total L DPK KL D M Total
II NON RELATED PARTIES
1. Placement with other banks 31,227 - - - - 31,227 6,134 - - - - 6,134
a. Rupiah 21,043 - - - - 21,043 1,048 - - - - 1,048
b. Foreign currencies 10,184 - - - - 10,184 5,086 - - - - 5,086
2. Spot and derivative/forward receivables 44 - - - - 44 1,350 - - - - 1,350
a. Rupiah 44 - - - - 44 1,350 - - - - 1,350
b. Foreign currencies - - - - - - - - - - - -
3. Securities 1,668,184 - - - - 1,668,184 1,962,741 - - - - 1,962,741
a. Rupiah 1,668,184 - - - - 1,668,184 1,962,741 - - - - 1,962,741
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Claims on securities bought under reverse repo 101,488 - - - - 101,488 266,444 - - - - 266,444
a. Rupiah 101,488 - - - - 101,488 266,444 - - - - 266,444
b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables - - - - - - - - - - - -
7. Loans and financing 3,338,750 616,772 10,306 11,011 212,264 4,189,103 3,627,752 263,158 - 1,298 248,103 4,140,311
a. Micro, small and medium enterprises (UMKM) 392,974 34,628 10,306 5,011 105,171 548,090 407,962 56,537 - - - 464,499
i. Rupiah 384,172 34,628 10,306 5,011 105,171 539,288 399,534 56,537 - - - 456,071
ii.. Foreign currencies 8,802 - - - - 8,802 8,428 - - - - 8,428
b. Non micro, small and medium enterprises (non UMKM) 2,945,776 582,144 - 6,000 107,093 3,641,013 3,219,790 206,621 - 1,298 248,103 3,675,812
i. Rupiah 2,231,936 582,144 - 6,000 49,173 2,869,253 2,682,950 196,924 - 1,298 18,500 2,899,672
ii.. Foreign currencies 713,840 - - - 57,920 771,760 536,840 9,697 - - 229,603 776,140
c. Restructured loans - 88,233 - - 66,695 154,928 65 18,972 - - 235,603 254,640
i. Rupiah - 88,233 - - 8,775 97,008 65 9,275 - - 6,000 15,340
ii.. Foreign currencies - - - - 57,920 57,920 - 9,697 - - 229,603 239,300
8. Equity investment - - - - - - - - - - - -
9. Other receivables* 1,088 - - - - 1,088 - - - - - -
10. Commitments and contingencies 255,355 12 - - - 255,367 250,436 177 - - - 250,613
a. Rupiah 198,545 12 - - - 198,557 230,513 177 - - - 230,690
b. Foreign currencies 56,810 - - - - 56,810 19,923 - - - - 19,923
III OTHER INFORMATION
1. Value of bank's assets pledge as collateral : - -
a. To Bank Indonesia - -
b. To Other Parties - -
2. Foreclosed assets 59,855 96,235
Page 12
PT BANK OF INDIA INDONESIA TBK
ALLOWANCE FOR IMPAIRMENTS LOSSES ON EARNINGS ASSETS
AS OF 31 DECEMBER 2025 AND 31 DECEMBER 2024
(In millions of Rupiah)
31 DECEMBER 2025 31 DECEMBER 2024
Calculate Allowance Calculate Allowance
No. ACCOUNTS Allowance for Impairment for Possible Allowance for Impairment for Possible
Losses on Earning Assets Losses on Earning Assets
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific
1. Placement with other banks 8 - - 323 - - - - 73 -
2. Spot and derivative/forward receivables - - - 1 - - - - 13 -
3. Securities - - - 274 - - - - 370 -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - -
5. Claims on securities bought under reverse repo - - - - - - - - - -
6. Acceptance receivables - - - - - - - - - -
7. Loans and financing 7,112 4,499 52,114 29,510 87,297 9,790 4,129 105,158 31,147 83,424
8. Equity investment - - - - - - - - -
9. Other receivables* - - - 11 - - - - - -
10. Commitments and Contingencies 63 - - 243 1 86 - - 294 9
*) Among others, it consists of unaccepted sight L/C or usance LC receivables, purchased/overwritten traveler's checks, advances to customers, inkaso receivables, bailouts in the framework of government programs.
Page 13
Bank of India
Parent Entity of PT Bank of India Indonesia Tbk
To comply with the Financial Services Authority Regulation (POJK) Number 18 of 2025 dated 4 August 2025 concerning
Transparency and Publication of Bank Reports, and the Financial Services Authority Circular Letter (SEOJK) Number
29/SEOJK.03/2025 dated 26 November 2025 concerning Transparency and Publication of Conventional Commercial
Bank's Reports, the following is the Consolidated Financial Statements of Bank of India for the periods ended 31
December 2025 and 31 December 2024.
As of 31 December 2025, Bank of India held 90.96% of the shares of PT Bank of India Indonesia Tbk, thereby directly
acting as the Controlling Shareholder of PT Bank of India Indonesia Tbk.
BALANCE SHEET
Position as of 31 December 2025 and 31 December 2024
In Millions Rupiah
Pos-Pos 31 DEC 2025 31 DEC 2024
CAPITAL AND LIABILITIES
Capital 8,446,576 8,559,500
Reserves and Surplus 152,141,071 135,166,775
Deposits 1,652,587,501 1,499,754,837
Borrowings 196,830,785 256,949,693
Other Liabilities and provisions 68,917,424 64,717,604
TOTAL 2,078,923,357 1,965,148,409
ASSETS
Cash and balances with Reserve Bank of India 62,743,650 70,981,267
Balances with bank and money at call and short notice 84,749,923 115,845,344
Investments 511,796,763 511,591,198
Advances 1,358,000,349 1,196,677,710
Fixed Assets 22,013,266 19,772,789
Other Assets 39,619,405 50,280,101
TOTAL 2,078,923,357 1,965,148,409
PROFIT AND LOSS
Position as of 31 December 2025 and 31 December 2024
In Millions Rupiah
Pos-Pos 31 DEC 2025 31 DEC 2024
INCOME
Interest earned 103,954,033 99,307,484
Interest/ discount on advances/bills 73,534,185 69,900,100
Income on Investments 25,427,468 24,386,645
Interest on balances with RBI and other inter bank funds 4,294,214 4,347,752
Other interest income 698,166 672,987
Other Income 12,533,827 10,621,152
TOTAL INCOME 116,487,860 109,928,636
EXPENSES
Interest expended 69,293,395 64,404,880
Operating expenses 24,604,349 23,547,315
a. Employees cost 14,104,418 14,063,912
b. Other operating expenses 10,499,931 9,483,403
TOTAL EXPENSES 93,897,744 87,952,195
PROFIT/LOSS
Provisions and Contingencies 4,054,715 5,044,932
Operating Profit 22,590,116 21,976,441
Profit Before Tax 17,573,027 16,931,509
Tax Income (Expense) 4,514,588 4,352,151
Net Profit for the period 13,058,439 12,579,358
Page 14
BANK MANAGEMENT*)
Board of Commissioners:
President Commissioner : Sudhiranjan Padhi
Independent Commissioner : Handadjaja Sulaiman
Independent Commissioner : Lungguk Gultom
Directors:
President Director : K S B Chandramouli
Business Director : Chandra Sekhar Mukherjee
Operation Director : Carolina Dina Rusdiana
Compliance Director : Dennis Kusuma Halim
Finance Director : Rahmat Hendratama
SHAREHOLDERS*)
Controlling Shareholders (PSP):
- Bank of India 90.96%
Non-controlling shareholders through capital market (≥ 5%):
Nil -
Non-controlling shareholders not through the capital market (≥ 5%):
Nil -
Other Shareholders:
- Public (Each Shareholding ≤ 5%) 9.04%
BANK OF INDIA SHAREHOLDERS*)
Indian Government 73.38%
Public 26.62%
*) As of 31 December 2025
Page 15
Notes:
● The publication report is presented to fulfill the following conditions:
1. Financial Services Authority Regulation Number 18 of 2025 dated 4 August 2025 concerning Transparency and Publication of Bank Reports.
2. Financial Services Authority Circular Letter Number 29/SEOJK.03/2025 dated 26 November 2025 concerning Transparency and Publication of
Conventional Commercial Bank's Reports.
3. Financial Services Authority Regulation Number 14 / POJK.04/2022 dated 18 August 2022 concerning Submission of Periodic Financial Reports of
Issuers or Public Companies.
4. Regulation No. VIII.G.7 which is an attachment to the Decree of the Chairman of the Capital Market and Financial Institution Supervisory Agency
(“Bapepam-LK”) No. KEP-347/BL/2012 dated 25 June 2012 regarding Presentation and Disclosure of Financial Statements of Issuers or Public
Companies.
● Risk Based Bank Rating of PT Bank of India Indonesia Tbk as of 31 December 2025 based on composite selfassessment is at “Composite Rating 2
(PK 2)”.
● The financial information above is taken from the financial statements audited by Public Accounting Firm Kanaka Puradiredja, Suhartono (member of
NEXIA International) with an unqualified opinion as stated in its report dated 27 March 2026.
● Exchange rate as of 31 December 2025: 1 USD = Rp 16,675.00,-
Exchange rate as of 31 December 2025: 1 INR = Rp 185.50,-
Exchange rate as of 31 December 2024: 1 USD = Rp 16,095.00,-
Exchange rate as of 31 December 2024: 1 INR = Rp 187.98,-
Jakarta, 27 March 2026
S.E., & O
PT Bank of India Indonesia Tbk
BOARD OF DIRECTORS
K S B Chandramouli Rahmat Hendratama
President Director Finance Director
PT Bank of India Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia, and a member of Indonesia
Deposit Insurance Corporation (Lembaga Penjamin Simpanan/LPS)
Names mentioned 18 people and organisations named in the text · linked when the evidence is strong
unresolved
person
K.H. Samanhudi
p.1
unresolved
person
H. Zainul Arifin
p.1
unresolved
org
Bank Indonesia
p.2 ×6
unresolved
org
India Indonesia Tbk
p.13 ×6
unresolved
org
Financial Services Authority
p.13 ×6
unresolved
org
Bapepam-LK
p.15 ×2
unresolved
org
Indonesia Deposit Insurance Corporation
p.15
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