AnnualReport2025-BBNI-att6.pdf

Value Creation
for Greater Impacts

BNI craates sustainable valus by ansuring business growth aligns
with measurable economic, social, and environmental impacts that
are managed responsibly in the lang term, Sustainability Is positioned
ag a value driver to strengthen competitiveness, business resilienco,
and stakeholder trust amid economic dynamica and the transition to
@ low-carbon economy.

Through sustainable financing and ESG advisory services, BNI
supports customers In managing fisks and opportunities,
developing tredibla transition roadrmaps, and Improving their
readinass to meet ragulatory and Investor expectations. By
strengthening partnarships across the value chain, BNI optimizes
broader and more sustainable positive Impacts on the sconorny and
society.

Forward-Lneking Statamenta
Tris decumuri may tontais piara. prujastioea, rategies, and okiestives of iha Cempany Ihat da mat
tuneimae statmaris af Wemreal fast and shonlil be nderatmod es Turward-huw ny simarnants watin te
masing ot meplicahie Ima and rmpuletione. Suzh arwars-kooting tam mere are Katjeet io various Paku
ed unsertantise that may sause tha Company 4 mual futura pandiiama mad rmnsita to dilter marturahy free
Urese anGoipated ur implied Thara san be hu sexuranta Urat Ike cutuumnes seticipated by Oa Company. 0!
ledivand by Ihesn foreardinoting siaran, ml be acha

BNI

Table of Contents

Sustainability Performance Overviaw
Ou? Suamport to Sustainabie Devetapmant Gows (SDG4|
Massage trom the Board of Oiroctars
Bm
Susuinability Governance

& Glance

UN3 Sustainability Commitmment and Strategy
Sustainability Repari in Briwt

Sustainable Finance

Eoonorwe Pertormanos Actiewemants
Sustaknatie Finanea Portfolio

Groan Bonds

ESG Riet Managarseet in Financiny Activities
Cikmua Change Mitigatian and Resiliance

Teirevad B1 eps 2G
4 Pepanra utaran UPorwate) Tab

s

4

n

Corporate Sustainability 8
Eftoris 10 Acriove Climate Reemance "
Excellent Service for Customers “
Excellent Service tor Customers ya
Consurner Protection yg
Erwcal Creda Codection Li
Rasponeioie htarketing Policy "aa
Innovatisn and Development of Banking Services yag
Burinesa Etnics and Compliance 18
Inclusion and Resilionce 10
Strangthaning Cooperstian wah Statnholders et
Strengthaning Inctusion ang Litarnay 163
Sosial and Environmertal Responsibility: Craating Ira
Value through BNI Berbagi

Varfficaton by Independent Partes 190
Acc ountahSty Sheet for Sustmmabulity Repart 194
Raterence of POJK No. 81, Indexes of GRI Standarda. SASB, 126
SUSBA ACGS

Feedback Foers 9

Green Bond Report m

KBNI

2025 Highlights

5 Rp65 tea BAL Ayunda ppasbad more ian
in Indonesia lazprowmasaly SPV locetadin Una
at soko wan 21.4 miion

Income tor Tie Yaar

ga "gp

Kk) #mphoyer Engagement Inda
SAT at #remorer SeseaNesi

4.43 (seata ot 1-5)

Camtemer Satistectian Index

FP Avetega waiting hosts pet smpturan geryear

338.9 roncopa

21,201 using De Tes Wara te Land concent
| 6.77
52.29 Scupe 1 RI Of GKI emizsisn
me wamas masetians fu the 2025 tasetne
| VGME Fosimed Parinera from. Le) Seargy Insert to inceana

aa : Near AAN Naa 1 3 Aa. — Enprrgraya —

F3 Rp116.8 suon kari 689.8 ton C0,a0/Rp bilian

Hessal and Erdraremaraot GMC Emasan Inteasity ta ncama
Mexwora bitty Program Fan Resluanian

Sestavah In Nepasi ITE
PT amen fangara rekanan MPerwane Dak

ing

Resliratan af Gesan Band in 2015
har petantia ly redused

2,534,594 an cape

MA OMG Betarione

Rp196.7 xriion

Santairab'e Francing rsechad 22.28 minta

censisting at
Green Financing sad
Rp718. #rilliori 12.45 df botal

Ianmal #risru, amal and median enterprise
(esMtu Prascing

hy

vironmentalty Friendly Products
Ra

USD397 mition

or aguwalant 5 RPL 4 teitlon
UN has demibutasd

Dusta nabiity Liskod Loan (SLLI

(AL Rp7.064. 5oumon

1s)

—

Green bwesunest
Gustaimabte Rong & Sesaritieu)

(ntumien ot Sesaineblity Bone
Pase tas RP3 trililan

2 Rp641.0 buto

| Sutan Value of WWF Credit Costa
Cantntnrmng ta Erwiran menta Coeservetian

Rp74.9 pumon

Kaslund Pnareing ander BKI Jak Kap
Khss.distlee Progam
Rp39 bilion
Mranang Dirtursad to 167 MSMEx

Sapperting Ceirarmentaty Frimndy Fastean

and Hadi ctalt MBNES urea the BNI Gran
MSME Program

196,163 Accounts

Under the "Aya Menabung dengan Sampan”
(Base by Reoyelngi Prograer

Arun Vibes Cindit Card

Manutsctawd Uning
Emntmrvamady Ferdi Mataram

Bernard Kapat 2
PT han Mngarn means (Permai Tok

73 Investi
9 Clifate

ASRA

Beat Utarucy tur Climate Renillencu
Bitver Aevard Best Social Impust Cateyary
Asia Sustairablity Reporting BEST Innovativa Conservatian Catagory
Award (ASRAI 2025 Investing an Climate Editees Choloe Award MIS

“ “
iJinvestortrust Colahkarsa
Ptatinam Star Awards - Green Bond lesuar Category Heet Econamie in Local Community
Platinum Gtar Awards - Big Cap Category Indonesia Corporate Sustsinability Award

"mpast Exsellance Awards Catagnry 2025, Olahkarsa & ACEXI
Datatruat | Investortrust

BGK
REPUBLIKA FOUNDATION

Leadership AA -

Buntainebility Amporting. Exoollenon Lunar in E8G Tranepareney

Governance Category Indonesia E5G Losdershis Awards 2028, Iksmi
Rewubtina Global Karban |BGK) Fsandation

MSCI “5 e
om 3

9) SUSTAINALYTICS IDX ESG Leaders

IDX ESG Lesderr Index Cometituents
BNL 0x Inchadad In an Jeda that messursa the
performance of companies with good ESG ratings,
Ma gamma. Ie not involvad In aignificant controvertiae, and
Corporate Governance Perceptian has good transaction bepseity and financial

21.3 mesen Biar

Indax (CGP) performance,
92.6/100

Effective Period Decarntser 2075 - IMtay 3028

Swiresad B1 eps 3G
PT Revi Menyara Ireke rani (Perwane) Tik

AMI
|". INVESTOR DAILY

Ptatjnum Alignemant Approskatad Diversity Inctusivity ESG Raport
Yup 100 Indonesia 2025
La Tofi £5G Rating & Suntainability Comrunization Most Appresintod ESG Report
Awarim 2025, La Tani School of Social Rempanedtilnty Invastar Daily Indonesia
Dkatadata ”— Waebcis
Fnanos Bank Sector Naat Groenahip Partarmanae
Govarnance Winner Awned — Now Buflding Category
Katadata E5G Indax Awards 2026 Ptatirum Rating for Plaza UNI Luiktiny
Gruanship Award 2025, Gran Buikting
Couneil Indonesia

SG Ouality Indon 48
BNI Is included in the A5 best stucis based on
#ustainability perfoermanae, tinaneial Gustty, and:
KEHATI good company liguldity ratings.
IDX KEHATI SELKEHATI

E5G Sector Leaders Index Constituantn
BNI is Inctuded in the Indar, which contains stock
of companies with ESG perfuemance ratinga
above the Indisstry averaga, supported by good
#oed iguidity.

BNI Is included in Ihe Z5 pesbbsiy katsd companies.
Ihat apply tho principlos of Sustainable
Responsibin Investment (SHI) and ESG,

Effective Period: Doearnibar 2626 - May 2026

Pama mobi Bapa DR
#1 bea Megan asrama (Peran Tah

BNI

Sustainability Performance Overview

Beonomy
Oz G2 & 210
1s
sana Ot
Inewne tar Cartemt Keruunt
ia yan 1. Saving Aceoant
(Rp wilionf Mptilii 384 288 easaj
meviia)
V8
197
“3 aa 15
“na
Lean Lean hang La) Thied-Party
dirbarremant detriuban M3 Fama
total MMI Mo wirise)
in bian (Wp teen

TAMA BILITY FINANCINO PERFORMANCE (ENVINONMENTALLY PRIENDLY PRODUCTE) ma

va) ra
ara 05 mis Tya
Persutaga at mo M4
Wentaraatae pa 123
Parman rawan
an porttoita te
twwivan
na vinao pan

"4

11
24
Maura at PM Numuer et 23 20
mena sewovata kamaiad PAINT
MELNT ation Lae peAN »
toa Wp seisi

Ia mp ecni tenan Met inseta BN Agand hang dan eta metan he BIN alasan In BEP
21 #uatawnet AHLI bom edot

Teiresad B1 Mepasi 2G
” para rata rana Parera) Th

@ sen
INTERNAL PERFORMANI

Ore Gu Gn
Female empioprer te female empieprer Avarape Emmeyas training
total emplnyesa (holding managerial waining heara and otucation tes
0 penlinas and abeve Wautt (Rp billisn
tw

3 202
ag yang
u ta PT
) Y tan

134i

Cestamer satisfaction fmptayas Cngagermari

Curtemar comolaint Invobemartat
Indar Nate/NPS meselutian rate jusal vuppikars/
Besle ut AI ra " pertiaa
tm
19 wa mn va
..
. » A21 gg3
& IL
220
dika aw
va 4.508

Menilentian af soclak GA
in Parah BUMN
benufisianes
(We ilkani Maa

Pk N tara

Ne Hecenan wan aan beda diataw et van pawang 2 Peak Bl.

Partanaaiy Repair 28
"Ten Megan wa (Peramei Tab

yag
143 Hanan

tan2.cet
saya
me Tuti GHG ursatag
jaman emssiong
Energy atanuity to 1481507
intarsity ta incomer"
tower" (Tue CO,aihp
1Gp biticai titan)
ana
dananya
wat Mara tao
Toni NG
Tata anergp BIGSEA mission ma pad
na iherpath Iemaaga nata
1G an mweyring Pa
Ton CO.24 Lal

Total waste penaratad from & Head Neduetisn ef soepe 1 2 GNG Emissiom
Offea butidinga comparud ta the 2073 benaline
mami Ton CO,e4 |

Oo 0
127aan 28188

"1 ul

aa MAAN PA MANA PN MN
“05 wine . unta H Sean tp Inem PEG MEN ud ta tea ah
parwata

surenad B1 Nepasi 2G
1 Revi Pepgara Iruta rana (Parwate) Tah

Weatratian at

We bani

Orang utan

pegram
Spot

- aa
12

Mas
03 Tree pianting

(Beedal ma
aman
uye

4
1hyo Menabung
dengan Bamgab”
2 1 pro2ina
WWosoumtvi

SBNI

Highlights of Support for Sustainable Development
Goals

BNI supports the achievamen of Sustainabla Development Goals (SDG4 &y Intagrating evonomie
management with emirunmental social, and governance (ESG) principisa into ali ofite buamasn sctivitisa.
Tivis aifari Is Intanded 10 ensure that tks role df banking nat only boosts busingss performance. but
alvo generates sustainable impacts for sociaty and the environment. With this approach. BNI focuses ita
contrikubana on achieving SDGk that provide tangstke banatits, both In Iha ahart and long term.

REALIATON OF SUPPORT If £ Ya
Da TARGET ACMEVEMENT STRATEIY

Total MSM Isan seottamandat 0 Owslty ion sxpansian 10 merenem market share, with a tacun
h1G in AptidA tiba wa miring rurtemera, aptenisstisn of Suppiy Chain Financing.
CNeEr #epanding atyuisiban al besires linkayes, and capurt arimatad
MIVER
NS ME Ivan target tot & Algpernant af pelicin and financing prodarta ts cepport MSME3
Nike Apiat Id mihon 2 Aocelerating yuwa Mrsuga digital iritiatives and Regahis
Wograna, Wih & focus 01 herrasng Me eiferilrmess af
reterrals, land gualing and the apesd ot haancing enacaton In
2 memusrabia menner aral in secondanea with risk mangga
wincipias

PEALZATON OF SUPPORT

TANGET ACMEVEMENT STMATEIN

Birergtrering susukabie businese ersmwan by fosakg On
poerite targat markats ara devabpang business #aneyatama
Ppti9 Utan ta G2ALG debtara Ie egiukura and saw ikukur sector.

» Pesisetion BNI Wrmsaha ——» Ogtiwebgtnrutheationof customereses and dytalecanyatane.
MU dnerhtuson et Rp43 10 prvmute Indusise and rerpensitis tnancng.
telor 10 BAN debtorn, & Simegbtaring #rtertai sapabiitiss by impniing SumaN MeuuLa

sama tuwnpetercies, defiring ralas and lusetisee, atet sigsing poltise
(ad mancing products Put support MEMES.
2 Goes KUR ceyarsian target in « keproeng tw #ieriienaen of Fercwennt, #yrimmu, ang

BET

2004 Ot Apt triteon. Wovatance tie cugh Ile san ef sluimatkontectmalagp menkating
£ BU groar meoentian bangat in Watitnaon gerturmanae. and optbvicng sueta nabie snarketing
2D al MTA her, prngrara.

PEALITATKIN Of SUPPORT IN

TARGET ACMEVEMENT STNATEGY

£ The sesanulated nembaral —— & Initissing sebolarship pragrarrr with relevant kite.
sebalarsisp respienti teached 0 Intistng education Infrastructute smsisianzo progrene wlih
1G boy the an at 2006 relevant urits.

2 840 mopienix ol DI Berbagi
talaraps
2190 atoretisns mmhrestructure.

—Sasiatnnga projonta,

Serena By Meperi 2G
PT Meri Pengars Irotaran (Fara Tah

PEALIZANON OF SUPPORT II
ms

Tts purmber Ot temata #rmpknyeae.
anal above meranead By ILK

2 UV oi female ampiopeat hoia
postiarm above mesagaral level
IUP and akuvah

TARGET ACINEVEMENT STAATEGY

8 Froviding #gual apportunitias tr mai and temain #mglovees
to nerupy the same pesitiana

& A performance apecsital merchaniaen Unas taken ita mecowat
(te aenlevementi af Key Performanon Indicature IKPIU tar ah
#mpiovare

« Pesing tasilhy support far female #mplayere ihrnuga
#guabie vodities path 2x menscrual Issve, chkdcere fariitiss,
matermity lane. Employee Assiatane Program CAP)
upeori the phyrical mesiat, ang #rancial hwakh et empinyars,
Me awan teranileeding rosme in many tuiking

& Munding Ie UNI Srikandi Lommunay La erhenon the sapecny af
20 srepinyane, mepociahy munur.

PEALITATTAN OF MP OAT
Pa

£ The manbar al DN digit
(daraet ase1s ut 2019 sachet
IKKRNIOI proweng, IAI
Aom Ihe 2016 target

& The mumbar af wan bay BNI
Wem mcrwased bi II Ivy)

£ Target sumbar ef BNI digita
#hanal inai ia RO,3E)B0A, &
own ad ILK tray

0 Target memar ad wond ly
BNI soets Is TIS willan, es
Awcranan Of 458 Iyoryi.

YAMGET MCMAVEMPNT KTRATEGY

Totus on increasing toner wara ham new cutarnera Inew Ie bani
@rough dreet acecuni openisg um weadi by BN te aggtian,
sreranting mee sar Of wan by HAN is ana target at meinting
etomurs al iba bani Pesugh Ea migration et actik Surtemura
wi use DNI Mubile Basking, other dharmeia (ATM, Intenet
Manking, SUS Bartingi, and nsa-digta channeta, mapaciabp —
rienty seymenta.

Thn #nahiies prapared to bowat user grawIk. facuses an awaraness
204 he Ingiementatinn al wanaus srematione At the sama tm,

1 maintaim senica musi te Penida A yned mrpotisnen far
canterters han transasting using mori Lv BN

2 Trees portisio merasa
Kum AN

» Tonul maidad DAG #miasisae
(tom gean banda 23M ADA
Ten CO,u.

Iratuase in yrean pertfoka by G8
ya

TANGET ACHIEVEMENT STAATEOY

& Swengperinynternai sepabilbesandirensaotisa dgitaliratien
ttemugh BEM Direct 29 so06lerate green Anancing.

« Festiaring the Hank a14 partner 2 debtara in supporting ihe
Aranatian towatii suntainabie businesa braclises thtough ihe
Totamirg nitiatives:

& MaparngEG Advisory mogrem, meluring he asmesamea
af dateces' EGG maturty levele.

W. Proviiey sethrical #ssstance pelatai in Ne Intanesias
Surtatraba Presee Tamnpmy (faktansmi unit Keuangan
Berkalanjutan Wisamsis TSI) Im supper! daktore

Bamamabdiy Rapat BI
OT ben Mapan arema (Persen TEA

PEALIZATION OF SUPPORT

£ pargy mtenetr par nee 2 Inolemantng energy efirieney aregrarm sereen ali NE nice

120 Cip bilkan. &Satting an oparatiwal Nat Zesw Emissicsa (NZE) targat by 2020

£ Ernissitoe intansiky pet £ Snenythening DNIt cperatianal ernissiona data IMvastrusture
menwa (NA too CO 249 Prouyk te development ut ee Liressang Management
trikan. Pattorm.

Mirimire the Incrnase in ee

wieveity and GNG emustiora

PEALXLATION Of SLIPPOKT M4
TANGET ACMEVEMANT KTRATEGY

Candacting socdsliratien of the Susimabiiny akad Low LL)
Nnancing grogram tor Retwbanstip Managers IMS),

Carrring out promotisni tampugn for BW Suatsiwatility
Linbed Loan ISLLI pragram #esugh ESG-enlanaii cvesis
Organised by external partita

Develop Suwtainabdity Linked
jean (LX porttwia saposate

PEALPATON OF SUPPORT IN

TARGET ACNIVEMENT STKATEGY

1
£ Panting pragram tm YIKASO «  Warking tegather wih the cemmusity lacat poveramunti, and
tresa (be Hatutal Ravozrces Coreervadian Aganey (OKSDAL
"Tolak of 8 endemik and
perteesaid fausa senter

« Parting vest an 10 bestarea
@ peatiang and 19 tectates of
"tirat dytane

« Adogtny 6 Borasan

Dunguans mapporting

#eratektanon A mutntirm farat

lamat 11 morena)

Meinaring 1 Burnean

Orangutan (wath port-nimase

menitarisgl

# Mabitat renturalin: ttee
Warding on 10 hestares af the
Borneo erangatan esoeyiiem
and 3 yasru af mmaintanance

£ Resteratioo uf 10 hestmen
Ot mangroes and 3 year at
Partanann

SeirenatBny Nepesi 2G
"T Man Peraara Ireterania (Perwa) Dak

TARGET ACHIFVEMENT BTRATEGY

REALLATON Of BUPPONT IN 228

8 Cptiev Gazutity Taro Insidmsta: 6 “The henglemernatiwa al multi layer deler in 2026 mus
(ajo nedents with lusses & IDR D8 ceri Suit Uwonagh warous Irdinees in te penject
bidan" iraam IT tvgimna. including the imalementatikan pd Net

Gan 30C, EDR, MAC, OLP, enhansement «d oybar twwat
'ataiyante and Vulsmtabilty Manayamest, awali m
& Oplier Sazurity Zaru Insident Target SSL securty anhancement enkmcit.
“Major Inekdanta wlih lusses 2 R82). A pumibar of stretnye initint vee ara surety in
bintang Ie direwopera atapa and mil ba Ba bosan ed
Sustainability In DIA Inckding te derelopmam
“4 Neri-Genetstian Operatiens ISecOpsi the
(mpismentatan of SASE, and eter security
#uhancenant projarta.

Toe

“anta an Ban dinar he mena Basa utusan s0 se nsihalsns wa “ .
Lara Maa Pa Kang Kena Mena Pama

MEALITATON OF SUPPORT IN 208 TARGET ACMIEVEMENT STA
" Arhieswaertotiha Gond Copurnte—» BNI contmwosaly ampruves Hn govemanoe prncilees,

Govornanee (GCG) iretan based meeting Berugh the mpmentatian af interaak

an BNI Cergatate Gavemance Contrls Gver Kemesi Reporting PCOFRI refiaaari cf

Perunpton Indas (CGPI) of 3290. @eeenanee policiss, and sirengmhasing ol disciosurra 00
» Achirremmunt otiha GCG Indar barat MNIx goverrance pinstioes,

“an tie ASEAN Cargarate Governance

& GCG Indon taryat base on DIN CGI of
anta

& GCG teen taryat kesat an BN ADS »f
na

MKALIZATICIN OP BLIPPOKT IN IAIN TARGET ACHIEVEMENT STKATKGY

Achieveruri aka stmplaint percentapa — « Uliiee wsamra lewnad ton sompilsirte mes sragen
PA CLONYNI uf selai Vanssctiun begueney, — s0ondinatian astose the vatan chain het knrawament to
radoce iba nurbet ef complain.

UNVtee woion af cestorner data to detect petarrtat iwan 3
Tee taryet perrentage ut ccoplaints ta mulia ihe entiru valas Lan ts tahs correclira milan.
intai wanemetkan #ragunney at 09278

n

m2

TARGET ACHIEVEMENT STAATEDY

Mairnain se1vice auatiy By Inetemerting tinelihe-besed
wotk procedrwe and mnuring that AN aroyome met
#eplementatan siandarda.

Ascalerata ie wehisvemeat af sat taryata Uvoogh
comerahenahya review ara sireembond work pora.

MEALEZATON OF BLIPP OMT Ig 2425

revdng #empified LIPe
The target ol Inerwasing customer & Piveiie eduzatian «0 cestemer pevtestaan ard cumtarnan
sabatartioe thiugh tom Custarmer Conelsin handikng for ih potite value chain.
Selistartion Burvay ICSG) memssurameni » Mentor Mw kmgiaentatian af betineer ptntene
it are den Sen ot AT. (Sprevamant stratngiee Waie sanduting #vatntan
Ihivugh wsekiy and teweekly mestinga

Entsace emulayes competenen by srovking tanng
that han born drvelgad thraugh LNA iLaaming Near
Anasyaiah.

Penamaan Kapat BI
Pan Megan aura (Pera Tah

BNI

Message from the Board of Directors

Putrama Wahju Setyawan

President Director

Door £ 3 Stakohokdare

ae

Tie year 2025 marks mn Img

rtant period for BNI

In strungthening our to encial Institution

which Ia nat candy perfar ted but also

suwed on kong-term resilenee and sustainable

value oreation. Amidst global economic dynamika.

the neceleratian of the transitian 1 2 low-carban

onwrsy, and increesing stetsholdar #xpectstlone

(ur responsibla business prastces, BNI affims our

comnwtmantto intagrating sustainability prinvipiee

Into the Cormpany& stratngy and opera!

Sustainability for BNI is an integral
part of how we manage riak,
capture growth apportunitias,
and ensure business ralavance in
the future. This approach aligns
with Indonesia's national policy
agenda to promote sustninabis
finance, achieve the Sustainable
Development Goals (SDGs), and
the Governmant's commitmant to
reach Not Zero Emissions (NZE) by

2060 or sooner.

Intogration of Sustainability Into Strategy
and Governance
BNI an

particuts

Onues hal MISTJINGINIty  challengea.

limate change. eneryy transition. and
mocial ineguality, are dirsetiy Inkod ta the stabilty

and pertonrarer of tie banting sector Tharetote

TES:

envitonmsntat, social and governance

principlas continue 19 be integrated Into at

Won-making. Hik  masagamant, and Ine

development of products and services.

BNI has updatad the Susiainabiity Piliar for 2025

ngthan the Implementation uf this strateyy

neformatisn of sustainability Is markod by

the preparation of an ESG Bluepr & sarat

yuide to ensure She comprehenaive Intograt:

environmental, social, and govemance anpucta
keross te Cornpuw's business atv, He
munagament, and decisicnmaking. — BNFS
Sustunablitny Pilar consists ot Inree main

focuses, nmwly Sustahabis Finmnte, Corpecans

Sustainability, and Inclusiun & Resiionce, which

are dosignad to rerpond to soonomic, seeial, and

#nviroeenesitat Pake. Indud

G Mere telatad N
Olimate changa, while supporting BNT3 coniributan
s0Ga

to the Sustainehie Developmant Goals

pelarisaa

As part of mrangtnening sustainabilny yovarn

..

the Board of Directors manages and evaluatws Ine

son of ESG stratoyies ttwouyh store!
meluding the ESG Sub

Imoberrsenti
gownanse mechanuma

Camettse forum. which (4 Meid regularty at Iadat

four times 2 year This forum serves 28 4 platform

ta Oiicuss westainable Ninence devulapmanta. ESG
Wak and opportunity trends, and the effectivennsa
Of sustainabilty stratogy implermeonation acroan all
BNI busingan Ines. Oversight ie carnad Ou by tie
Bowed of Commissioners, imeluding for cd mmate risk
managamont.

Bustainwbiity insues within BNI internal
governance are managed through the ESG Sub-
sommirtes which 4 under Oke Risk Managsmant
& AntiFtaud Committse. This sub-commiise
oonkiste of 2rose functianal rupresontativos based
01 the Board of Direstore Decrer No. KPMS4
DIK/R dated September 10. 2028. In line with the
mtrengtnening of sustaineblity governance, Mn 2026,
BNI derilaped the ESG Manegemeni Department
under the ERM Division Into the Emwironmantal,
Social & Governance Division.

Stratogies and Policies In Addressing
Sustainability Challanges

Kerpane te Clmate Change and Tranaltien ta «
Law-Carbon Esongeny

Oimate change Ie Inersosingly regardad aa 0
Wgolcant factor that can aifeci the Nnancksl mn
operational performance of banks. both through
Physical riske and transition siska. Racogniring
Ina, BNI congirwes 10 atrangthem Ita chmata
risk management by developing & climate riak
managamant tramewark that is Integrated with the
Company « overall ist management,

In ine with the directives of regulator and tho
development Of sustainable finance polcisa In
Indonesia, BNI continues 10 develop the climate risk
management eystam (CRMSI including cenducting
Oanate riak alrasa Insta ICASTI on the antre
portfolla 10 assose he potential Impaat of climata
(akan the finansing porttoko in the smart, medium,
ani long term, In addition, BNI akio canfinuse
to 2lgn the debtor assessment process with the
Indonesian Sustainabie Finance Taxomomy (TKSII,
pertiowtariy Ia four main aeclors, namely Eneng
Constuation & Real Estate (CREI, Tramaportation &
Storage (TES) and same Agrictura, Foreatry and
Other Lang Utas (AFOLUL specfically the forestry
and oil palm plantation seciora.

In the oparmianai sapuct, BNI impisments vangus
Initiatives to reduce our carbon foetprint end
improve #ffiioncy, including through energy
cenmempilan managamani, buwnisi protease
@igitalitation, reduction of paper usaga. end
Operational waste management. Thosa efforta
Are part ot BNFS commitment to Ketkaving Our
operational NZE target by 2928 and supporting the
feancng NZE targat by 2060

Sunteinabte Finanse Development mid Financing
Perttalia

BNI continwes 10 #epand its role 28 & catutrst tur
@ sustainable scanomy Enough Ihe development
of financial peoducts and services to ramain the
peide af Ibe nation, The sustainahte Imancng
portfolio Includes, among others, susisinable
fimancing IKKUBI, sustainebilty-linkad loan, and
he management of green bonds and sustainability
bonds to sepport priority sector ptojsets hat help
acsolerate energy tranaition, resource affidancy,
(NG tustaihatie devalopenena,

Through this approarh, BNI not only encouragas
green financing growth But ao ats an & wirategae
partner for dabitors In making changes towerde
"more sustainable bumnasa practces. Throughout
R05, BNI acilvey carriad Out education
activities, technkal assistance. and transkion
torume tor debtora, including those rwiated 40
the Implemantaton Ot TKBI and tw pubicatan
4 advisery oleybooks far sub-sectors with high
omissian intentity and significant transikon
riska, These aikort are mepecind 80 mncoutaye
debtora to improve their enviroamental and sociai
performance, while strangthening longstanm
business rehance

Crvereseuriry Rasilisnse an Gupperting Diytal
Warvkean

As ha digitalication of banting services sccelerates.
BNI facen challangan powed by the Incruasing
S0mplsony of cyber Ihreats, meluding data security
riska, ayat reliability, and sustomer protecbon
umid the digital aconyaterm: mepansian and thd
party Involemant. These dynamics regulre cyber

Pama mabidiy Rapat 230
1 Here Magann arema (Perwal Tuh

SBNI

risk management that ia more Ihan just resctiye,
muat bo integrated eto corporate govemmance and
@gned win the lnplwmentabon ut castanabilty
Miles.

Data seaatity and cybarsecurity are sirengihaned
'by Considating the sapects of peucla, procesa. and
technology. In additian to focusing on syatama and
Infrastructure, this strengthaning abo Involves
rasing cybersecunty awareness throughoul Ihi
organizabon and providing continuous educabun to
Guteenere tegarding data ptotechian, privacy, sad
digital warsestion security.

In process ng tecamalagy aepaet, BINI implamants
Crbersesurity management In line with the Cyber
Sesurty Framework through the impiomantaban
Ola mui-tayarna security aystem, continudus
monitoring, and Cyber Threat Intefigenoe support
that prosctively Identifes suapirious oetivitiae and
erber artacks through Inreat hunting anti a Securty
Operatinns Canter ISOCI 10 detect, respond ta,
and mitgate potential Gusats proactiveik as
wet ak prowiding comprehensiwe and Integrated
security monitoting wisibily, #enhanosd with
#roei detection and intalipence-based monitoring
Capabilitias, white continucusiy siresgthaning cyber
resilence to support operational sustainahilty and
makeholder trast. Security aepecta have aleo been
Integrated Into the dewelapenant of digital ayatan
aril services, inckuding access management and
data protection, to ensure Ihat security emaina
Parto every stage Of BINIW operational sd digital
Innovation.

Asa manilestation Of this comenitinenit, BNI has
#etablahed Cyber Security Zara Incident for
Incidenta with a signiicent material impact. Ali
Incdenta, including those below the malaria
Iinit, are monitored and handted systematically
Prough 3 standardized Security Incatant Rosponas
mechanan 0 mur dardok Candruany and
Outterner trust.

Achievements in the Implementation of
Sustainable Finance and Strategies for
Kehieving Parformance Targeta
Sustainabia finanes

Terougheut 2025, BNI continued to strengihen
Ita role in promoting sustainable finance growth
Itwnugh the davilopenent of financing, funding,
and Grancist products that are aligned with ESG
printiplas. Tve Sustainabio finance pillar focuses
Om cregting kong:teem value dar Indonesia, Ine
environment. and custormera while supporting
the achlevemant of a lowcarban and Indusive
scan

Im implemonting: suntainabis finunca, BNI haa
Inereasad Ehm snvisonmentwiy and socislly
sonscious fimansing. By tse end of 2028, Bs
surtainabla financing (MKUB) portfolio reachod
Rp196. triian, an incresee ot 33N YoY, censisting
Of PETA riilon In green financing and Aptit.d
tnlllan MEME financing. BNI also dierrbutod
Sustanabiliv-Lineed Laws ISLLI amounoag to
RpOE wiikon In 2024, BN Issuad the 2025 Phase
| Surtainablity Bond with a value of Rp3 trilian,
wtkih was used Io Ninascw anda retinance probecta
that meet sustainability printiples in accordence
with the BNI Surtainabllty Bond Framework.
Mesrwike, the Issuance af Gewan Bond In 2922
has resulted In the awoldance of greenhouse gas
IGMGI amiasiona af 2.534 504 tone ot CO,0g.

BNI sontinuss its strategic role In supporting
the #tructured and measurubia dayalopment af
Mero, Sineil and Medium Enterprises MSESI.
inckuding inoreesing business produetivity 4Go
Produotivel, socelarating digtaiwation (Go Orgitalt,
and #epandang Hot murbat accusa IGO Glutali
In line with this, BNI Irnelemanta mentoring and
#mpowurment pengramma to mprovu Ihe capacity
and cempalilivenees ut MSMES. Tive approach 00
supportad by active colabaratian wah mimstries.
aganciat, and relevant stakehokdarn, wisah Ie
#upetted 10 #bengihan the #comomit tesilence cf
the comemunity and create a comprebenaive sociai
Impaot.

Under the Go Productive pilar, BNI cars uut the

BNI UMKM Hamah Lingkungan (BUMI) Progrsen,
which focusaa on empowering #enironmantally
Inendiy fastion and haneterah MSME4. Im 206,
BNI diswibuted Rp39 tlian In financing 20 157
MSMEs, accumpanisd by disseminaton and
business matching artvibas 10 Inrusse businwaa
capecky and marka cumpetitwenasa. Under tie
Go Digital pilar, BNI supparte the moderntatian
af ine agricultural sectar Ueough Be Agricultural
Mactineey Financing Progrem (Kredit Almatwsi
to bovat pruductivity, farming effideney, and
renginen national food wecury.

Meanwhlle, through the Go Global pillar, BAK Xpora
ontinuwe 10 be sirangthened ae an Intagratedi
export sulutian tor MSMEs. By she end ut 2026,
BNI Xpora receeded financing at Rp3S.0 srilion to
NLO94 dabtore, 3 wall an supporung diapora
services with 39 active customers. Additlanathy,
BNI hor developed the BNI Jojak Kopi Khatulistiwa
IBNI JKKI program us « yraen financing sconyetam
based on pocisl foresty, with financing realization
ek Rp149 bililon saaching 493 caffea farmera in five
peowincet. AR those intiathnee refisct BNI role an
driving Induaive, sustainable, and cxport-orlented

MSME growth,

Corparats Sustainability

The Corpocata Sustainability pilu over
#nera and @misslore management. sustainabie
operational praclices. strengthening Ie role of
@npioyees, and data protection and cybarsocurity.
In supporting the achievarent af net zero emiasiana
INZE) taryota BNI continwes to kmplsment various
anargy and emiswang managamant Initiatves
across all operational activities. Throvymout 2026,
BNI continued to Inventory und monitor GRG
umisslona Horm te oparabonal activitisa, ae wali ac
@ireneyihen Its data infrastrurture to support mere
integrated emiasione manayemant.

In Ane with decarbaniastan aftoris, SNI conirwes
10 drive Operational #ficianey through ihe
@igitalzation of business procassar and banking
services. This Ggital ransfurmaon cantnibutas to
reduciny paper usaye, Increesing eneryy effimency,
and optirrizing internal prosoresa. At ta and of the
reporting period, #nergy conmumpiian Iniwasity

par revenuat mas recorded at 116 GJ/Rp tillian,
Wwhlie total GKG umissicns Intenaty par revenue
wan GRK tone at CO4@/Ap bilton. These result
Gontrebuted 10 BNTE achikvernert In maintaining
(reen tuliding sertificatiuns tuc te UNI Tower (Gold
certified, BNI Piara #Piatinum certified, and BNI
PIK 2 Buiiding ILEED Gold certifad In the Buliding
Canstruction catagoryi, as ane of tha achievemanta
In mplmanting operatonal sustainability
standarda,

Ar part of other operating! wustainabilny
masagament. BNI ingienenta solid waste
managamant basad on the Zero Waste to Landfili
IAWTLI coneapt wish the peincipias Of raduca,
"rusa, and recvcle. This program Is mplomentad at
the Hand Office an an initia' astaga wEh the suport
Ot Solid Waste Management SOP$ and waste
satting faclitise. Throughout the reporting perlad,
the waste managed included organic waste through
camposting and Biate Sokder Fly procwssing ot 3
tang, moryanic waste through mecyckng of 169.2
tong, and reniduai waste utilised tnrough Retuse
Dariwed Fast (ROF) technology ot 3724 tone.

1 2026, BNI strangthened ita dighal wanstormatan
0 part of iba atrmagy to kmptowe wuntanabla
performance through iha davelapmant of digital
services and the utrengthening Of Intemal
technologkal capatiitas In Int at servcea,
BNI focused on develoging ihe wonder by BNI
application as an Integrated banting platform.
Inctading tts Muneh of Ine wonder multicerreney
feature, which allowa users to manage up 10 12
toraign currensies in a wngla acoount. At the sama
Lime, to improve oparatkonal #ihectivenasi, Ihm
Company & integrating mriificiat Intelligmece (AN
and cicud computing technologier azro1a various
berainesa Ines, which are ubiped Io sitengPen rak
management and consumer protection throvyh
riak analytice, wariy detortirs cf potemiai fraud,
and improved customar service tesponahaNanA,
These initistives have lod to am Incesese in digital
transactione and protera @ficanoy, whila alan
supporting the reduclon Of manual acilvillas and
Uire use of physical desumenta.

In line with the development of digitat mervicea

Pama mabidiy Rapat 230
1 Here Magann arema (Perwal Tuh

SBNI

and the atrangtheniny of Internal technological
Capabiltisa, HAN somalstantiy strangihane data
and oybersecutity management 28 par Of Its
#peratiomal tesilience and customer protection.
This managemant Includes etrengthaning the
Implementation of the Personal Data Protection
(POP) Law, atrangthoning the reliability
ot Intormatiom technology —Infrastucturu,
Imotementing application securit techaslogy tar
rosi-time protection Of digital serviwes, meritanng
@ptah sarvka security, and davekoping human
Cage! capabilitise in the field ol cybersecurity As
@ result of thswo managerment effort, Ihare were
"0 data brseches that had a mgnificani impact an
BNI oparations throughout 2025

Anva Incressing cyber Uweata. cyber retibence
Ie enhanced ttunugh the Implermentatian Of an
International standard aybersacurity munagarbent
aystom, 20 ralinctad In Ine ISO 170017022
pertification for Ine Open API Sarvites informatian
security manayemant ayatem, Service and
Oryangarion Control (SOC! 2 Type E-basad coegrolw
oovering security. avelabilty, confidenbality, and
privaey, controls through the Implementation cd
IT muturty asesauments based on COBIT Z019
tw Independent assestors, 84 well d5 data center
managament certification in the form af Tier Il
Ceritemlon af Conetrestad Faellity by ihe Uptime
Institute. Cybersecurity management refers 10 ie
National Institute of Standarda and Technology
INST) Opbarsacurity Framework, which inctudes
Ike stages of Identification. protection, detection,
remponas, and Insident recovery to antura
Ike contruty of digital banking servkas To
complemant Ite preparedness In handiing cyber
Incidents, which ina key focus, BNI has bozome part
ot the Computer Sesurty Incidart Rasponsa Team
TESIRTI of the National Cyber sed Crypto Agsnoy
1BSSNI.

In tx human resources sapect, BNI continves to
increase amployee engagamant In sustainability
Imptamantaton Ahrosg training — program,
Internal cumemunicatian, and strengthening
ESG cstura. A total of 26143 empioyaos hava
parlidpated In sustainable Snanos competenay

development programa through Mandatcry
Sustainability Fisanes a-Lesrning, As part of social
performance managemant, BANI sirives to create
& sate, comfartatile, indiusive, and fair werking
anvitsomant tor all empicyoos. Yo Implarmant &
respacifa womplsce and respect human #ghts.
Theougheut 2025, there wara na reportu Of
dincrimination ar Walance within BNI. We canducr
regulir smployes setktactian and engagement
Burveya every year, with an employee satafacson
Indas ot 351 In che "Good catagary in 2026.

Invtusion sad Hondionue

Mrenugh he Inslusion & Hosilisnce pilar, BNI
Is cammitted to mepanding Tinancial 400k.
mtrengihoning finangal btaracy, and mproring the
social and #cenami: malanog Of the community
Tivs pilar siMerna BNTA role not oniy asa finincial
Institution but also as & development partner that
cantrebutas to Inetusiva ang sustaknukie #eonomve
orowin,

Asa mratagio parinar ro debsara, BNI nas devolapeg
an E3G Advisory Playbook to assist in Ihe ttansiton
to sustainable businosa pracilces Integrated wah
financing, This playbook is designed10 halp debaare
Understand the Initim conditione, the business
benafita of sustainable practicen and stepa to
Improve abgement with Indonesian Susunabis
Finance Taxanomy (TKBU ciassifcstian. The
Implementation af ESG Advisory focuses On
peiotity sub-ceotore with Iugh trananion riska, with
he initial stnye beling te launeh cd the palm oki
mub-settor playboot in 2026, This makes BA the
frut bari In Indonesia to develop such a gukin BNI
WIN Ihan continue with the Implementation ata plot
projest in 2026.

To wupoort Iha enpansian of socese and
affostivanesa of sorvices, BNI manager various
banking serves channals Inreugh Ine optmzaman
Ol physical and digital netmworks and community
partnerihipe. Service azoess mepanalan da also
sarungihaned through Ine BNI Aganag necarork ana
#iratepe partner en rsaching sommuttiss In arnas
et yet tenved by branch officas or ATIMa, incloding
the unbankad and undurservwd segmante. By 2005.

the number of agenti in BNI Ageodg gam 17
velth disardyatian In 485 cibes'ragancsas. aguwakant
Ia 42516 Of national coverage. Of the total BNI
Ayendb, as many as 28177 agents ur arvund 19K
are located in undardewolopad, cutwmost. and
Mtonsier CST) aras. To support service cmalily. BNI
bas diatributed 38,55t EDC unita to BNI AgendG.
Inctuding 7.000 units distnoxtedi during 2015, and
provides veriuus Iraosastior channets via mobile
#pplizatiooa, the web, EDC Mini ATMa, and EDC
Anaraid.

BNI consistantly promotes the improvement of
sommusiry financial Itaracy as Ihe toundatian for
beriding heat and sustamabia inancisi behavit
Literacy programs are conducted ttwough face-
te-faca and digital approschar, covanng verioue
segmnende, meluding students and He general
public. The aducatianal mmatoriale aro aimad at
wranginering financial managamant akiiln tv
“ate use of digilsi bariking servcet. and miressing
awareness of various financial riska, suci 8 Hopal
investmants and online gambiing This Initiative
#ims 10 egulp the public 80 make wiser financial
deosione and temuin rasilient In the luce cd
enangeng ecunamic condibang

In terma of esonomic empowenmant, BA plays an
acbw role ag Ihe manngamunt ot Rumah SUN
in 29 kecations aorost Indonesia as part of the
Ministry of State Omned Ernterprises' initiative.
Through Rumah BUMN, BNI providus capacity
buliding training. business mentoring, and market
acceas facikiatian for fosterod MSMEs. MSM
development P8 not only dimad at Kisagthaning
Ibe local market, but ayo #1 mepanding netaorka
aanid opporturitiss for mepansion to the national and
Internationa! Iwvsts enreogh particpabn In vatidus
domestic and yloba' sahibitiona, in order to incresse
the added value and compatitivenese of produote.

Im addition to wzoncenic and social aaperta,
BNI ato. corgributas to anvrenmantal and
biodkwersity  conservatian Uwough various
censervation Initintives. In 2025. BAN ceetinued
the mangrwe mehabiltation program in Pangpang
Bar Banyuwangi wbich has covered an area of
50 hectares with a plant survival rate of 981, and
#upportad coastal ecosyatem protection thraugh
the pantng Of cesunrina tross Indramayu,
During the sama period, BNI also supported the
rehaklitaton of 4 Baraan orangutans and the
restoration Ot 8 hactares Of oriticat land in Sambaja
Lestari and Nyaru Mentan,

Anpresiation

We believe that sustainability Is a vital fosundaton
for BNEA future growin. We will sontimus to oraate
value that support future wedbeing by creating 8
positive ampsat throogh every service wes Otfar. By
Intagrating swatainaDliry prindghas eta al aspacin
Of our brusinesa, BMI Is cammitted 10 cantinuing Wa
Create this valus in the long teermtorali staksholdera.

The Bowd of Dirsetora would like to express Our
appresiatian to wil stakahaldars for their trust and
Wupport, sepsclally to our custamars and BNI
#mployues, an part of the Indonesian community.
With strong collaboration and shared commitment,
we are optimtic Ihat BNI cam condinas to contrebutn
to the reslization of an indusive, resilent. and
sustainable financial system.

Jakarta, February 2026

Putrama Wahju Setyawan
President Mewetor

Pama mabidiy Rapat 230
1 Here Magann arema (Perwal Tuh

XBNI

BNI at a Glance
C Company Profile s1 )

8 #harehaldar Dwneahip
PT Oenartare Asart

5 “ Managarwa (Persero)

607

Puvis
40Yo

Tie Stse of de Mapunfic of

Ona

PT Nani Negara Indosesia (Parnarai Tak

Engagen an tembng butiran in
#eo01danen lih ihe Asticiss at
Peroclatian Na. 27 dated April Z2. 2078

Opezrisnel Aren ina

Rg Operating in 9 countriss, masal:

Indonesia. Sinpapare. Hang Kong Japan. United Kagdon,

Wang OMMan Aslarenn
Unnwd States. Sowih Korea, Nethartandu. Austin

Grha UNI — - — —

A. Jenderal Gandieman Kav! Jakarta 10126 aa Maba SK mid Fasitny Data

Prene 12.71 251 1900

tahi bwi@toni.c0.iat

Webaita wwa bni.

PO Ban YG4G

kekal bernada

Gengrapiral marka sarrae mlonasa New
Yok - United Statme, Landen, Mnrg Kang,
Hingapare, Tokyo - Jepar, Bosul - Sauh
Korea, Ammstertaer — Netheranda, and Sydney
- Australia

Sectnts and cypes Ot mutomera sarvad:
« Corporate. Madum and Amati Avainees

daning
« Ceomurar Besking Ha
& setatioral Maning ara Tseury Duwing 2025 two subebianch Off oes

(Kantor Cabang Pembantu (KCP wara
paped and sis KCPS mera rineet Atita
(rom 1hese changes, Bara wara ne char
#ipificart ahangat 13 iba erpanaasonal
#rucmar ar mpoiy ct

Soyuticane Crangas

Seuraah In Neperi 237
PT Masa fingarn Ircle nana

Vision and Mission

Vision
Yo bacoma a trusted global financial Institution that
#xcels In Innovation and sustainable performance.

Mission

« Provlding Innowativs Mnencial sarvces and digital sokstione ta masi the nesde Of
Womestie and International customara.

» Craating optmu valus toe investars whila uphalding Integrity and strong corperata
Gownnance

« Bocoming 8 xwatayic partner in driving Indonesia's economic growth.

In Ing with changes In the banking Industry tandecapa, the seceleratian df digitat
tranaformatiun, and the Incceesing Intenaity of Intarnatianal competition, BNI har rufinad
ani aharpaned ita Vision, Mission, and Strategy as part ot an ongoing strategle awaluation
process. Ti Initistive a undertaken to clarify the Company strategic direction, starpar
ita businees fozus. and ensure BNI's readiness to compete at the global loval.

Culture and Values

Ina bid to reinforen the Implementation ot AKMLAK vatusa, BNI is undergoing 8 work cultisre transformation
10 align the company 8 Core values acrcas & Oryanizutional activities. Tha AKHLAK vakuwa. 8 eetablisned
by the Ministry of State-Owned Entararises, and atand for Trustworthy, Compotant, Harmerisus, Loyal,
Adaptivu, and Catabarsava, have been irnglamantad and put into practice at ali levata af the organization
This internalkration proses contimues to De strangthened titough the underxtanding and reinforcement
at Coca Valun as a guidetne and #narad baliaf in ahaping the wara canduct at BNI Hi-Movara. By taking
Ihis step, BNI afterra its comenitmang to buliding & work culture Inat uphoide Intagrny. arangihana
sotaboratlon. and supparts Ihe company'4 sustainability

ARHLAR

TRUSTWORTHY ur. a AOAPTIVE

ya yva and rmpecting

Lamunan Kepar 2226
Pan tnngana wanoesia Peruri To Mad

NBNI

Company Scal Oz Gn G 21
man
nm nz C3 ag
ym 1g
Terak - 4a1
ta umar Oparrtang
smetoyean necounta incema
Peopiel @itia, ip sritioai
account,
um '
ya tim MINI gag YNA
Total EM) Tetakanat
Tai .
png Ya Tam (Rp tritical
ag IATMI
(Oneteti
Lahir Cesity
yan 3
satin yeKsr
0120 "7
Yetai
sepitahzatan
(Rp telan

mun ten urea moments he LHI6 dana t kntawartatneg MAN YP MB LN. 2

Curent kosrarts Kavinga Depsaita Goee Lon
Aptwillan Aptrlian Ro trlkan Re vitisn

maa MS? nota M2 MI 2816 A4 7M3
Hah MBS ITA MBS KI MBK MP3 MIS

ranah B1 Nepar
Dav Peraaca Indie

BNI Employee Profile »...

Tibe tontributiona of all umployees are the main drivers of Bis performance. Tiherefore, the Banik
sonsatanty fostara 3 sonducive work environment that encowragaa GrSRIVIty and achiavemen. in ling
with ore of Ike company's missions. Humen reseurce managemen Ia cerriad Out Wih tenpect tur Imeman
rights, where ho values of eguality and anti-dserimination are applad compeshanarvely. Thiscowwniiment
ie rainforced theough Ina impismentatian af Reapectiui Workpiaca (AWPI ta ensurn 8 safe, comfortabiu,
ati eclumtet watt eoviranmant that » free ftomn haresarnent, buliving, disoriminatlon, and violenoe, 4
mipulatod in Company Guideline No. Instruction N/O12/HCS/0D1 dated October £, 2924, 2s afollow-up to
Use Cirostar lattar from the regulator overewng stats-owned anterprises. In maintaining diversity, BNI
#fidsayars to achiave a belancad #mpkrea compasitian based! On edutatoni background, age Group,
work caperiance, gender, race, eihnicity, and religion. All BNI empioyees are fuli-time empisyees, and
Tera ara no part:timo workara.

Employee Cumpowtias ty Emnpilayimari Status and Denda an

-
Mala Famale

Permaneti tan09 ut 12201 Bab 22 110
Contract sa0 7 225 - 07 ya
Ttanas ya En y 7 En 3a9
Tetal ty gerdar yaa wa unta yang - yan
Total Dm ah asn

Emulayee Campositiun try Operational tagimna arut Gender asi

Pa
Mata” Fomate

Hang Ottire «ng 14an . Kei $.re1 .
Ragansi Ofos 1 ... sah - LI Ki “
Nagansi Oftos Il m dh 19 «. 5. -
Wegianal Oftoe 09 . yu Ku y “ “
Regangi Ot 4 - ya uli ” - -
Ragansi Office df — - Na sat «0. “
Ragianai Oftos 06 na "s 3 yah kasi Lu
Negianal Oftce 7 sia Li kui "06 8 sa
Negara Ottor 9g 0va “ "9 - "» KL
Ragianal Office 08 0 kai 3g aa 5 tar
Ragiansi Oftss to a57 Ha gan se 39 2
Megional Of #1 Lu an ya a98 bud -
Maganai Offom 13 bu Gal ” 0 bl) Kl
Raganal Otkos 4 460 kli “5 - ” ”
Rayanai Oftes 13 Pa ya sa “5 PA aa
Regonsi Otto M - 1 ” - “ Li

Bamamakidiy Rapat 0
rewa IPersaei Th

2

Employee Carapnsitima by Aye Group and Bendera au

a28 na mr
Maka Female Mata Famaia Mala Farnata
2 Bb Yama 173 tag 14an Agar 1289 1015
» 2-0 Years. Lor 0 kala ana va an
20-43 Veera ”.. “ an un Kg 1.0
23849 Yoare 2017 2240 yg 200 ana 21
2 M1 Years 15 4g 1.9 aaga ana ae
» M0 Years 1.6 1anr 190 aw 27. Lena
8 Yon " uga ng “ yu Lena
Tatal by gender taat 4130 kala yang ya una
Toral Dim 20 Us
Empioywe Compositiwn try Pusitian Lawat and Gangerua aa
na 1014 na
Meta Penata Mam Penata Masa Female

2 Samar Vice Promemnt?" ” » Lal n “ ”
2 Goa President 1 ” 0 n Klg “9
Ansistast Vice Pemident ang “ - aga Ka Hi
Manage tan aa 1 ag tan Lam
Aasistart Manager Ae n7na «ng ang an «m0
# Auristarget 4010 ana akan ae) Kel asa
Total by gender Den Iga ana yeyaa tni uan
Yetat Om na »sn

“ra
Ten eva tan Mana pang seglogad aledemukan Uap MO 253
 Conwari ab tapa Yna beban Ernie Yen front and banar banten Yara Mera
21 Gentan et kat mras wal Bae Sonatoyana

Seuranad 1 Pepari 20T

(PT Ravi ngeres anis (Paras) Tah

Doctors Deyree
Mkartar » Dagran “at 106 Yaa Lam tak tan
Rarnetra Dngran tatan Iat2 mama tna20 test 1
Dusuma Druras 2 Lana 389 yag re tan
Primary Muh 1 2 10 ,
Seneui ad 1
Toral ty gender tuan Ning masa Ntah man yana
Tera am 2110 an

Other Employees Outsourced by BNI »« ”— External Initiatives and

In addition to tulltima mmpioyesa, BNI ia also
wupported by workera tured ungar dutsourtng
Kihames through partnershipa with the service
Peovidera. These wortara play a tole in supporting
Ine Bant's emooth operabane in various support
functions. BNI ensures that all workars, buth
internal #mpioyses and outaourced. workera,
Work In an #uviranmant Ihat uphokde Ine valuwa
04 mutual respect and fulfilimert cf human rights
principisa. In eetablishing partnerahips with third
parlina, BNI always envutes compilanoe with
WI applicatis laws and tegulntione In 2025, ths
membur af outscurced workers was resordoti at
16638, met af who were pisang In operational
support positione, inclsding eleaniny services,
Grivera, and othar operabanai hanctone.

Association Membership ...

Im promating the Implementation of Sustainatiim

Financs and strsngihening sustainability principles

Im all operational acilviias, BNI mplemants

various framework and standards encompassing

#conormic, social, and anviranmantal aspacta.

Sama of the raforenzas ud Include

«Global Reporting Initiative (ORI) as « guideline
for preparing traneparent and accountabie
#umtainability reporik:

«Sustainable Developonsat Guals (SOGs) as «
framework tur sustainable development tret
sarves ana Ietarunan for creating positive
impact,

« Europaan Foundation for Managamant
Dewelopenani (EFMDI - Global CLIP (Corporate
Lesrning Improvement Process) to support the
improvement of corpetate learning guality, and

€ International Organizatios tor Standardizaban
UISO) as an international standard In duslity.
@nvonmental, and other managamant
svstema

The Implementation ul these stendarda affrma
BNI commitment to integratng sustainability
valuas Into wi busineus peocesasa, wihik mnsuring
& pustive and sustainuhke contributan to
stakehoiders and erwironmantat proservation.

Pawan Repast2020
PT Hah Megan 3

MNTENN 2

SBNI

B0 17001 21
Intormatan tesarity
Maragamar Syrten
Augut 216 2015
damuary 34, 2029

(50 sortz018
Ouelity Management
Sestsen for MP3 Urat
November M, 2104
November tt 20M

50 y0012e10

Am Bribery
Manage meri Systror
Jamaary 1, 200 -
December 31. 014

Bariifikat LEED VA

€04C Care and Sial!
EM PKI Buridng Gala
Apnicokle ta thn
Beiisng Construction
ctngery

1 certifi

150 weg1.20na
Provenian af in Woua
Leweping ane ia Luaringi
Digitat Learning (or BI
Emptoyoee
Marah M8, 2829 - Marah
a01

BD Me01/2KAN
Oualey Managament
System toe Vendor
Manngaara Unit
November he, D0d4
Noer 28, 2026

10 Mohuto1
Managemen Bentema
ar recorde tar the
Machern Unit
Devamber 22, 2026
Decamber23, 2077

Ceepuruta Luarsiny
preman More
(CLIP - EFMD Giobal
Downetibar 22, 2022 -
Dweneiber Z2, 2017

upporting

139
Ouslity Manngemeat
Snuem tor BM Cortart
Canter Sarvisee 1 BSD,
Surabaya, & Semarang
Ateguni 2, 2029 March
1, 2006

un

10 #0112114
Provision of BNI Cradit
Canda Bornesa

Juna 27.161 - Juna Ik
an

Orewahip Cartifisatn
BANI Tower: Gold

January 2074 - Juuarg M0, 02
UN Plaza Certificate on Procmes

Unesa Natons Emiranwara Pragtemme Finance Varea Waematanal
Initintiree (ONE PI)
The Allianer toe Giraam Coomertisl Rarau Marta Inmrmartanal
Indonesa Sustainatie Fnanca Indiative KSO Mangersunte National
Inosnesa Business Councl ui Suslanabie Derstapwar — Margerounder Kasonal
Uncs01
Indonesian Assecetion af Grwan Buksing Ceporta Marga Nasonal
DADA
Forums Kuman Tapital Indonesia (FMCT Diauperson et Diwisan Nesonal
Grpanuntonal Dewnoemeat
Werktorca Planreng (ENI Direrter
« Muman Capitsl & Cempilanori
Indonesian Hanking Maman Capital P ori (PAGI Naraer Nasorai
Carporate Soctal Nesppssititity ICSMI Perum Mortar Natonai

Sriretadt1 Pepasi 1G
(PT Merr ngaca rute en ia

Sustainability Governance

Sustainability Commitment and Culture

Building a Culture of Sustainability » .
BNI continusa to strengthon tika Intagration of
wutenabkity priseiplse, Ineluding sustainwoke
fimanet, at ali leveta cd the organization, The Barik
attorts to build a culture and work behavior that
is ineraasingiy sensitiwa 10 #nwroamental and
social impacts ate taflected In our comprshanalve
implementation of these presiplos. Conwatant
with “hose afforts, Bari Nas implamentad various
Initiattves. inaluding:

dntad Ortuber 28 2474 and updatas banmd m0
Band ol Direstori Deciee No. KPASA DAN
(date September II 2016

Doveloping the Eovratimental Boca d
Governance Managrmert Deparemeri IM)

Mop “rod yattislise that posea big Hak 10 Use
Lawas

Aa EA
incdadiny Sacantiruing the cesaump3ot at
butited watas comersing water, and sorting
wantr soceedng ya catmgoey,

b.

BNI has caried sut various activitiss to anture
the consistent implementation Of sustainebINny
principle, In aeditian to reguinng the comphetian
of mandatary e-learning modulas, BNI activaly
peornatma aevironmantal, sadial, and gnvermancw
IESGI awareness through various communicat-on
Imadia such 38 websites, Youfuba, umail
blasts, and ihw BNI ESG Booklet. These aftorim
are Compmmentad by. the disseminatica Of
Informutian on the Indonesian Sustainable Finance
Taxonory (TKBIN, ESG-relatad training, and other
Sustainakility initiatives.

BNI ha woriting to strangihon the stepe that havu
been taken by formukating & comprehensive
ESG framework, rosdmap, and policy to ensure
£ focused sad comprebemilve Implementaban
ot sustsinablity prindipies. BNI has also
Samonstrated Its 2omunitmmeat to the national net
Tera emission INZEL aganda and im ctosaiy Inlloweng
Sevelopirenits In sustainebis finance, Inctuding the
implementation of Climate Risk Managemant and
Seanario Anatywa (CRMSI) and preparatane for the
Implementation of IFRS S1 & S2 ae directed by the
Oom

Sustainability Governance Structure »»
The Board of Commissianers and Bosrd ot
Directore support the implementation of
bustakability governance at BNI by taking an
active role In fanmulating and oversosing the
Iwolementatian Of Sustainable Finance, BAM also
manages sustainablity lssues through the ESG
Suhoomnvites undar tha Risk Managemant &
Anti-Frimad Comenittae, wivati consista Of Gtowe-
functional represantatives based on the Board
et Diractors Desroe No. KPM5MDIAM datod
September 10, 2075. Mere derailad information On
BNI crganizabonel strustura can be found In the
201 Armusi Report.

Bawamakaiy Kapat 23K
01 Be Magana pesen (Peron TM

BNI ——————

enidere Direetar

sh Manayarseni Ovecio
art 24 Prurormentat. Sesal & Governance Orwrion Irnncurrweiy
terving a13 an woling permanent member

eruiat Banting

# Convaner Baneag

A Hotwori 8 Retai Ranting

4 Oparatisna

Itormattisn Te

Pemanant Memberi Emutratart ta
the Bari ef Dirartwrs (Nan-Vating aman
Memberi

Lance Dan

Head of Enterprise Risk Masogan

4 Operedonal flek Management Diwwan

9 Credii ak Dwaion
4 Wis Oirin

Kead at Commercial Credit

Head al Corps

Head af Entmpris

4 Corporate Planmng & Parisemanee Martagen

Head af rwestar Melatinnn Dv

dal bubticarins Managemes Diweinn
Head ai Pen

ment & Fixed Asseta Divis
Heal af Corverata Bartiny Dinslon

epecata Bariing Oririon 2

2. Head af Corp

King Orvision 4

Head ot Sendeation & Strecsured Finance Diwek

Pemanant Membari #guirasert
t» Diviniana/ Unite (Non Veting
Membesal

15 Mead ot Enterprise Banting

dat

mani

teryrise Danbing Diwaian 2

Lol Camimercial Barang

18. Head af Commercial Mackeng

1. rad af SME Bownoee D

O. Head al Businera Prage
head Of ternatirnar  Financiat kesttations Diss

dat Treasury Oreisism
irad ul Cansumar Podut Divaion

Ageng Ortnicn

( Muman Cnsital

Di neadat
Mean RN

Head af Corporate &:

Pa na NAMA Cractor at SartorSEVPnead af Division
Memiraral

Delegation of Responsibility for E3G Management («3 im

The Bosed of Daootor' involvement in the ESG implementation is realized through Ita memberahip In
the ESG Sub-committee whicn aeti ag ine key responaibis party foe ESG Implementation at BNI. During
2018, the ESG Sub-commirtes held four auartsriy mestinga. The main dutles af the ESG Sub-commitlse
indude

Hessifying patentiatE$G—— Mantsrng, melusting. —— Crardinating betwaes anite ts Batating the

Siska Bat impast bat DINI and moridng formutare iba ebijeotves ang (ewlemmtatian
Ba #woommendatises 48 amplementatian ynstwines for at ma EM anon
ie tesutteof BNEESG the racialand mmwirenmental and ewrenmentai

Assesimert. mepanahilty program) reepensiblity progtem

. . «
Dewnloaing , Monitoring tine tvalusting ttm Mapprng aret
tozisl & pevetnaner (ES WM mplmentatan af ewmeraos sevdaprg pe
inanngewas pubates suwasatie finance SA ES suategies BM sociat sad
and sirntnyias and ihmr sertagari Doremi NI mereamentat

angee bunmaer liner rerponebilty programs

In lina with the rule of the ESG Sub-committee aa the main steering cummiktee, sustainability impact
management at Ine Operntional lewal Is Oarried Out cotiestiwely by all work units undar the suparvisian ot
the Board ot Commlssianers and the Based uf Dirsetars 10 #nsure the sifective mplementatian.

BNI supports tis implerpentation by tramsformang — 0 Estabihshingcooperstionandgoodrelationahipa

the Environmental, Sscial & Governance (ESG) wah goveenmentinon governmant imatitutiona,

Dapartmant ungerthe Enterprise Risk Managamant educstional Instinstione, rating agancwa.

(EAM) Division atu tse Environmental, Social & #eodialiona, and uth Matitutong to support

Governance Division, which has the following the sihievement of BNI ESG targata and

mai task development.

& Carrving out ak activities related to the
development. creation, and mplemantation af — Im carrying out its functiona, the Envkonemental,
wategne Iramewor, and polices relkied ta Social & Governance Divisan t supported by
ESG blosprinte and rondmaps et BNI, including — three departmentu, as folowu
thair abgnmant with the BNI Group te achiava
Iha Otjectivee #etabdahed by BNI Managamant.

« Formulating sirstegiss and managing
tommunicationa to suppart me SG
Implementation sera at urite at BNI and the
BM Group,

« Praparing £SG-rifated reporta for Internal and
retaral partiee sn accordahor wan appicabie
tegalatong,

«Managing tho Bil wide ESG porttode, an wali
# advisory and sonsutting activities related to
Ihe Implementation of sustainability, ESG, andi
jar onargy traniitian far debtose, In ccordinatian
WEh selevast busitae unit,

Bamamakidiy Rapat 0
PT Hera Magann atarema (Perwal Teh

SBNI

Organizational Structure of the Environmental, Social & Governance (ESG| Division

tratagy #ramamatk
Lal Purttskar Maragamaent Temu
& Polisy Tan

Ma“ (sman
u..
Dhea 10 De Maan UPN Tani Ser Kan NN ANNaLakNN PAN in

ESG Management Oversight and Evaluation

Pa

ESG Risk Oversight Process
7 TN
Uonre el Cammusienern
Ovetane ita sroyrane id buneen rentnyaa Pa har bacn abgpet mith rlinate manage
Bowdof Direetwcs
#orrnates and upsSalts business siratog es Wen have Been aLaned WAN Limmats manapsineni cemmamnte
E56 Sub-commitine under the Meh
Ve President Director
An tive Board it Direcaors wax respansitta tor EGG Management & Anti Fraud Committas
tusesinng ara ae Chair of the ESD Sue ermomiklna anne wara ka
bedoes sad at eglet, Includiry Sanata rim
kva P)
f, N
186 Oivition
Cowdinsta uts arina Mist Division igvanvyag)
PIN | divisisi Iswaes selama Eng Bepporrne agan
AN sera Merana Dean
| ng ES riaks indothe » Banks business ang
H 5 Baot3 operators Tamu tower
:
Internal Mudi
Oversan financial raport rulata 1 Le firarciai impaci af almam and EBG vists arul appecturities

wanapad by Mi divisiore

ESG Internal Risk Management Policy » »

With atruse as the foundation af Its oparatiane and
reporting. BNI eetain aecuracy, Ireneparency,
and orzountabii1y in accordanse with appicabie
lawa and ragudatane This commitment
reinforcad dy the atmegic tole Of the Board
24 Directors and Board of Commissioners in
#nsuring the impismantatian of goo governance.
peomating responeibla business practices, and
prloritizing peudanco In riek management acroas
ali work urits,

BNI has eatatbahad A governance structure
and davutapad policies and procedures
mpodificahy designed to Identity and manage the
#nvironmantal, social, and yovernancs riaks ot
Al! Its operational stivitise in order to strengshen
its existing ethical and Yovernance foundationa.
BNI siso continuouaty improwos the tapacity and
knowledge of Mix Board of Directorw, Board of
Comenissionera, and telavant work unita 30 ensure
that they meat the competencwa, spartae, and
ceriNcatons tedulred for Risk Managemant &«
"tipulated in regulatory prowmona

Risk Identification Procedures for the Sustainable Finance Implomentation and

MAMAYOMANT 2 0 215 22101 K0

Sustakabis Financisi Risk Managamani at BNI js camnad out by Ine ESG Sub-commirtestheouga tour pillars
04 rak management C0 mp3ising Nek adentificatkon. mesturement, Manitanng and control processes. as

tothoa

Active
Rupervtaion ly
the Baal ot

Kavgurey ut
Limit Posiclen
Pracedurru ang
Berung

Internal Ceatral

Manogerant Isfarwation
Syatama

Kama mabidiy Reparr TR

"mama resa Perum Ta MEI

SBNI

Based on the tesuks of the Identification, there are several risks in the Implementation of Suatainable
Finance, namaty:

ESO MISKIN BANKING Moi

|

Risk Mitigatan : 0.

8 AW OtANT operational otums wara locatad ae per tar functinas.

£ RM prneetad warta wae Ind miriman amaurt and setagarand ae
Rautedold waste

2 AM procersed 2x wartewater which was Drncisaly used far waterng
elanta,

0 Optimising Ie us af dpitakaaton mail Ike Danka wpersbore ls reducn
#euroulzeper.

£mpisment rempanebia masi managanen IM Ir Wit he peto-wante-ta-
tantfi prinsgla partrulariy at iba satin Hisad Ofise

Wak Mitigstian 25

8 kiketifyirg, ansensing, reviaming, and Imwenving digital siak af wsah BN
Guralpradutt

8 kimatifying, asseming, revewing, aed Imgroving the resikence apain

yowerime

Assnsring and Intansilying Law seceetty maturity un Ihird pertisa

Aasesiiny data pirvazy and ihe sdwausay ef dala sscutiy ihrouga and to

and process

Wek Mitigatian io
& BNI X01 catriadi cad mpargy sesing in iha oem al:
Dowitshing s1! Tights daring breek segara on working Sara.
Using sotar energy for Uyating purpoves surroandeny @arganar Hara
at MTA main buliding
Onsirnsing mentega teuuyh anine media
Oesnising ihe wwe cf cerai AC in head ofTice bursuling
« Moretiy oparatisaal mnissisas menitorang
& NE aat the mparstional NZE target, inclading the airatngy & sada
#masuma.

Lan Wek Mitigatian 1: 0
LE TUPITIN «Condirtod a patula' Ssasies riak anafrsis upon setecting case.

sex Ineot, & ANCx affcms ate located In the urban atwat, henee thn were nct meponad
wenghta se the riak ot Inremt dra

al al ono «DKI Ane & Durinesa Cariisulty Managemsot 22 one cf Ba sifat ta
Wruru oftcas (ritigate natural disaster sonditene,

TeiresadBn Negeri 3G
PT Mora Pergara Ireterania (Parware) Tah

Wish Mnipatian 120

0 The Bank haw a Mak Accaptance Criteria ORACI boy addlng imitigasian far
dimate change Fak, tordaiing mnium repstemerita tor Ipeterstat
dettorx Wih Nahi mpaci on Ia mevironramit Kuth ae MEPONSAO
Cariention png Ihe OMA D Impiamarng tis Orerestatisa, Na
Pest, and Nu Exgkoitation NOPEJ policy in lam cisering fot deltore in all
palm piartation. futfiling #vrosmentat mandasser Gocumeris IAMOAL
(Or UPLUKL A PROPER ae per tnair beotinwar rarior

0 The Dewk asotifeny Etaness sactare with Digih @ritatuna by cantidaring
We ZSG Iinukesaration and the eretyy versilon gins made by iha
dettan

& BM duirureen tameng in the fara ot Sortatratlity mi Lara (SL tm
eratutaga Sebneci & Sitiata thsis peargy tranekon

£ #Nenusg advlsery playnook lu hole Sebtoen' wansitkan

. Giok Menigatimn 2 9
ketan Duwinesa uni wil peradisalip munAsr bisu & matekliat aralam
PITENIUAN 1 debtor jating sesewameni,IFarny viotatiers of ESG erteria are Ivana.
PULP LLUN UNI will yarify the relevant cartier and maba adjsammarca t0 ttm debanre
c.yng.

Mak Merigatian 1 9

Evaluating and selusiing prujscts th green banda disbur senesi is handad
1 Me ESG Sati. commitira Wih Vize President Dero! 3 Ine chsitmas. Tha
#ebursementt aro cara Dut an praierts with da mature af protest Emang
15 tak Ona Ona af ika fund use pas ba weerinan by BNI, A mmeond party
“egiwun ISPO) tas boss mada on ihe goes banda mud surtaiteihty bonde
#ahursemari lod by SKI,

Miak Metigatian 3»

AA parany ayatam is in pace ta bm impased on dabtare wa fail tw
(each ha targetadi KPI SPT that Nas been agresi pan. An Isdlopeindann
Ward party sonaticta 2 anrual evaluatisn foc inang, ncuding the
sebinvement wf KPI SPT target.

Wak Mitipatia » -

2 Devekeing TKBF guestonrapes using language that Ie asier 10
underetand.

& Fraviding werireical sesirtang tor filing cut TKBI gusetiansae tor debtara
In ceergy, MFOLLL cwewustion & resi eststs, Iranepertatan & logistice
seetare

2 Holding tukning for TKI ciassificatian far Nelatanehg Manager MMI

Parama Raport RI
Then Megan wa (Peran Tab

War Mitigasi 1725:

berufisiarien

OCIAL MISKIN PERFORMING FINANGLAL L

"Seting the target market far finansial Iiteracy and Wclusian berafisiaries.
£ Conducting aree mapping of #nancia litaracy and wousion bensficlarias.
8 Coreturting #nancisl Ikersey and iseturion gradsay a serandanen with

&a target masal mapping results af financmi kterary al inslusan

ERACYA

BNI'S Sustainability Commitment and Strategy

pin sar aga

Commitment

BNI continune to Mrengthan Ms commitment to
achveving sustainatile performance and creating
& better future through the Impisementaban
MH mepanainle banking prsctices and ihe
reinforcarmeot of its updated strategy based on
suitmnabkity pillaru. In 2025. BNI furihar sokdifisd
Ie direction of Its sustainabiay transtormaban
Uwough the development ef an ESG Biusprint as
a siratagic roadmap Intagrating eevionmantal,
social, and governance apacts Into Mi Of the
Company's business aciivitiss, riak management,
and decision-making, This Initiative anaures that
Tie COM HN TO MU TANAANY NOT ON Teactk
In poficies, but ix alto mppliod operationally and
measurabiy atrors ai lines of the organizaton

In Koe witt BNTS role as @ national #mancial
inatitution, the Bank coneistantiy supports
government policies and directivas troen relevant
autharbes in promoting the transition to & ka
perban economy, meluding #farte to achiave
pet hero senlsskote (NZE) tnrgeti. Thotyt the
imolementation of Its sustanability pilar strategy
and ESG Bluaprint, BNI strives to strongthen its
pantribuson 1 sustainable development, create
lorgtarm value for stetsholders, and mantan
a balance between #eonamio perforrnancg,
#nvironmental pessaruation, and socia! welare

Setanahin Repari 2G
de vania (Pora Tah

Internal Policy on Sustainability
Implementation

BNI implementa Sustainable Finance by ratarnng
to POJK No. BUPOM.ON7O17, which 38 rsalited
through the consistent praparation of s Sustainable
Finance Action Plun ISFAP) and Sustainability
Revort To supoort 1s Implementation, BNI
developad the Envwonmani, Social & Govemance
IESGI Managamant Dopartmant under the
Emtarprise Risk Menagemant (ERMI COxvigon
into the Environmental, Social & Govemancu
Dwisan. Crose-tunctional ecerdinatian Is carred
Get thntugh the ESG Sub-commitiee under the
Nisk Management & Andi-Fraud Committee, in
etordanoe with the Board of Directars Decros
No. KPMBMDIAIA dated September 10, 2025. The
Implementation of sustainability govorance in
Grocily upervised and supported by the Goard
(4 Comeniselonets end Board ot Dwectors, who
ore actively Involved In planning and evaluating
ESG performance to anwute the usang
Integration indo BNFS businses sirategy,

Sustainability Strategy

BNI foermurtates Itu sustainability sirmagy tw
Integratng ESG performance as the main
foundation In conducting responsibia and
susminatie business, This ramawort Is outlmed
in BXS Sustainability Pilar, which coetains all
wummnabiity Initiatives to support the visan
ari aehlevamant Ot mentalnabis performance
targeta, while ceosting valua for stakeholders and
sontribuseng to #nveronemantal proteetian,

BNI's Sustainsbilty Pilar Is bulit on three main
focuset, namaly Sustainabis Finance, Corporata
Sustainability, and Inclumian & Aesillence, which
D0ver economic, social, and anvironmental risk
munagarmert, including climata change ak. This
Sustmnsbibty Potar «the result of the formukaban
Ot tho essance of BNIE five Sustenatility
Pillari, deseribing BNFe ihree main focuses In
Suslmnetility management The Susiainebls
Finance pilar focuses on how UNI intornalizee
ESG aspacte in ita businesa proossesa, including
lending, finencing, and services. The Bank
Incorporates ESG srituria into its credit assesament
peocesa neluding environmanta mpact analyaa.
sotial campilance, and debtar governance, to
ensure that financing decisione considet not only
#Swaneim fonsitility but aio wustainability riske
and appartunities, Addilionaly, the Bank develops
vuttainabis fimanae products and services. as wall
A6 mpkemants @rctuaan and engagement polidas
with customers to #noourags responsibls business.
Deacinen

The Corporsiw Sustainability pilar focuses On
how BNI Intarnatues ESG aspecis ina AF Of
BNYL operationa. This strategy inckudos the
Iwptementation Of sustersatslity practices in daily
etivitias and Intomal governance cf the bank.
From an anviroomantai parspsetiwu, the Bank
manage Its opetatonat carban footprini twougn
#nengy effciency, digitalization Of processes,
waste munayemant, and rempanaihie use of
resoutcat. Sooal #apects are Incorpormted Intough
fsir employment policiss, cecupational hesith
and sataty, ampioye campatanzy davolopmant,
we wall 28 consumer protectium and finkasial
inclusion.

The banting Iselusian and resillance “trMegy
fotuser on #rpandiny seces» to safe, affordabia,
and sustainable finansial sarvkas While
#irengihering bank resibsare againet #cono mia,
social, and environmental risks. INI has developod
feansial inclusian programs tor digital financial
services nil financial Iteracy to reach unbanked
and underserved groups, 8s well as to promote
aguitabie sconomie growth. At tha same tima,
resiliance & mirengihened Ihrough an advmory
program for Wabtore to promote respomsiblo
besinasa practicw, towarde 4 low-cmban
#eonarw,

Strangrnesung Rs role in cavwonmantal mingatan
and #daptation acilona, BNI Imotements land
and andangerad species conservatian programa.
Land conswvaten #fforii contibuta 10 carbon
#egusetration Ihu prevenlion ot lsnd degradatan,
and the reduction of disastsr riska such us foods
and landwidea tneraby mersasing emeronmental
and community #deptation capaity, Mesawhile.
the conservarion of endangared animals preservsa
biodivareny, whien M4 @esantial for acanyatem
resillence.

Pama mabidiy Rapat 230
PT Here Magann waaresa (Power Tek

Te become 4 trusted Walt financlal InatMution that eweal In lanewetia and bertainabis

9G Booepeit
Wet aro #emitninn INGEI targat

(oa seantan | teyertensns | uan vtatmas

“ Owntopamet al » Bergr and emissiana 8 Strengihesing hamnesat
#eetrinabis #nanring, managament in active nclusen ang tenrary,
bending, and pengrame | net.20 emiasiane KL) | se mall sa cammunky
#erosa el segeenta tnngata #mpewenmentin

« tarnalinisn £ Develapmart af programs. suminabie businese
at natirai seal In capport ceatuinatie manten
mtmnatiusal ESC mpatntional peacEsar & Debsari atratagic part
Mandara 2 SirengiNening emulayte  mplementing the

£ lacresangtraneperanay | capabiltut in EIG asetian in setakabia
andescountabilay di eemmtatian botinwsa prastiee
sesttinabiity practses |» Sirengitosing » Nature B biodivetsity

| evberyacwity & ousta mer toraarsaton
data peotestisn
19 wan | kena AL SN Maman

ESG Roadmap

As part Of our commitrwent 10 austainabilty, BA haa developod & etratogir roadmap to inteyrate ESG
peincipisa kena all ot the Campany' businese aetivnos and dacitlon- making procevass, This Roadmap
werves 8 8 gakisline for the Implementation of #hoft-, rmadkum-, and long-tarm sustsinatslity Indkstives,
ansunng alignmant betwaan business parformanea, risk maragernent, and the cruation Of sustainable
valus tor stakahosders,

The BNI ESG Rosdmap mpismeantatian focuses on policy direesiane and strategic targata t0 support the
Wanettion 10 3 low-tarban #soKamy Ablengghen human capital capatiktise, protect custome? INASala.
and improve corporate governanas affectiveness. Furthemmare, BNI wi develop tiva roadrmap into e lang-
term ESG Biseprint to #nsure BNI rendinass in responding to tegulatory zhangas and sustainability
du mandi from eegulahona and Iha market

Gr han

- (3
£ Svengttaring 2 Sivengtkariny the Mish Accegiace — Implemartatian of edrats
tetrastuctura Croetin INAKI ot deteora Sange rat manage
€ ErtabiistingNiKand 0 Strengihaning the inrartructure Of within make egarmtane
Carbon Budget Wireate shanye rich —asagaran
& Sizengtbertog Board mvokeement in
FSG

& Optksiring data lane proventias

Evalu

Evaluation of the 2025 SFAP Target Achisvemant
BNI cooslstentiy preparws Ihe SEAP ax part Of ite complianos with POLIK Na, EMPOJK 082017 and Its
commutmant tc implemanting sustainebia finance. The 2026 SFAP focuses on strangtheniny BNI's position

In asing oirnato changa riska by mplamanting work plane that support BNI role as a debtor partner in

Ihe transillan 10 Mutainabie Buaineya

Treuughout 2025, BNI has cornpletod the programs lisind in the SFAP, including

« Aanattian advisary program for debtore by preparing an ESG Advisory Ptaybeok for te Palm
Oi Coal, and Coal-Firud Power Plant sector, for debsors and Relationship Managers IRMKI

& Debtor transitien program education through dinsermination activities arsd Technical Warkehops
an the Indonesian Sustainable Financa Texonomy (TKBTI varsion 3 far the Commercial Rosi
Estatm ICREI, Transportation & Services (TSI and Agriculture, Farestry. and Other Land: Use
(AFOLUI sectors

« Strengthane Its climate risk management by adopting International standarde and best
practioss, including Uwough the imolemantatan of gap anahais to anwure BN ruadinesa in
adopting IFRS S1 and IFRS S2. wi ' planned to be impiemented in 2027.

«Tha develogpenentatothorsuetunatsliry mmanvaa meluding the developmantafemviranmentaly
#riendiy MSMES andi MSMES Go Ghobal the #rpaneien uf sustainable financial inciusian. the
development of sustainable products, an the Integration of sustainable finance principles into
he risk managamang tramework

£ tnplementatian af the Zero Waste To LamdIli (ZWTLI conempt win a waste reryeing volume af
ETLS tone, or 1004 of the waste generatad.

3.

Howevar, sevarai SFAP 2006 programe stif reguru furthar improvement, meluding
ys of Transitian Plan sed adjustmments to porttala management for Ihe Palm Oil sector

«The prepaeni
teguso signmeni with business expanwon targeta

«The developenent af the Eenisakone Platform is still in the peonesa cf (T system development.

«The Climate Risk Framuwork with TCED principlas is In the drattg stage

» Detitor Transition Program education for the Mining and Electricity sectora to be conducted im the First
Yuartar of 2026

«The Implementation plan for the Sodd Yraste Management pkloting orograres at Pesglonwi Officww

Bronches in the first Guartar of 2926,

The 2026 SFAP Work Plan

Far 2026. SFAP ia focused on ttvee gillars of UNI suntainability, nematy Sustainable Finance, Corporate
Sustainability, and Inciusior & Rasilanen. In the Sustainable Finance pilar, BAK tocuses on Intagrating ESG
#pactk into MLof BN bumnangan, mending credit tmaneng, and service The strmegr invohws conducting
in-depth analysis and CAST, praparing transition plana for pelarity sectors, and developing enablers to support
Ihe implarmantamian and raporting af FRS S1 and 53. Tha Corporate Sustainability pilar serangthane Intamai
s0mmitinent Ihresag gradual eneryy and ernissione managemen, Iha application of Ih zero waste 10 hand
concept, the develupmant of the ESC Academy curriculum, and the transformation of New Generatian
Sesurity Operatian Caraar (NG-SOCI basad on ariticlal Intaligence. MeanwtVla, the Indiusion & Rasilianca
(pillar atfirma BIES role In supporting # tai soonotnic trensitkon Ihrcugh tise preparaton of an ESG Advisory
Playbook for dabtors In tigh-smission sectors and the alignmant of CSR programa to support the sahievement
oftha SOGx. These Inree piara farm an ndegrated strategic framework ta atreogihen BAE cantribution toa
#entainable economy und long-tarmn resillence.

Issues, Challenges, Developments, and Influences In Implementing
Sustainable Finance

BNI has Identified & number of obatacies and challenges in mplemanting Sustainable Finance. The
falioanng are Ine ohetaciwe faced and the management strategiwe Impiamented by BNI:

Iwosieaf masranesa H3 Sartakata produrt
Undertanding of ESO: dehtora' swncanwas ol ESG @dwrlapmart there ma need
BKI focuses on develoginy da ssiltimink sariculany Ser suttahatis finansial produa.
herman rescuran Kapan 'e manayiog camate change moovatiose hat are reteent
#rong training ard raba, thuae megsiting training. 00 the pena f eantarmare md
#lesening ber esinaily and tethrologital supgett dattori.
sad antemaily.

M ESO data £5G wandarda rem ptovisians.
managemen Gevetopmerit cod regikatisag 2 chalenga recad bo mustainatty
Ola Mgtal oertam an Ie benging up with menda procbene gusdolinar san
(manage CSO datapasra. ja the impiementasiun MA CRMS medIFAS GL MEI,
W sustairatie hearce In penube adryuate praparatisa et
indonesia Kuman resaurcar, Incwkapa.
and cepatiltint ts sngpott ihsir
(rmtenerKatan

SwirenatBny Nepesi 2G
11 Mar Pergara retarania (Perwa) Dak

BNI rerconda to these challenges by Increawng

Ita adaptability through technolegecal Inmovaton,

#trategic partnerahipe. and policy mpruvemants

that suppoct sustainability. Althuugh verious

enalanges remaim there are potential

Opportundisa tor sustainable finance that could

have & positive Impsst on banking and financing

activitiog, Inckading:

£Intesesing onportaniiias for gtesm finanong In
Indonesia,

# Enevuraging financing for dabtore wba
tnplaiment susrainabla buswesesa through Ihe
prowaion of Sustamablity Linked Luans.

€ Tha growing tread of awareness In Iha
businesn wortd regardiny sustainable Tnance,
particulariy among corporaticns

«Rising Intorsattromthe governmant, regulatora,
ud Investore in mentanability Implementatice.

«Tha pinserce of a sustainabiw niche market,
traating dppertunitias for financial produets/
servkes tallored 41 mpecinc SuktMinakity
nooda,

2 Building partnershipa Wih Knowtedysebie and
compatant stakeholdera In sustainability to
design programs Ihat sapport Ihe Sustatnatils
Development Goals (SDGAI.

Composition and Role of tie Board of
Directors and Board of Commissionars
2aKm

The Bowl af Diectors and Board ct
Cowumlssionera play an active role im directing,
"monitaring, and #valuanng lesust, Ehallangas.
und devetapmanta related to the leplementatan
of sustainetie finance, ncluding ensuring that any
Impast on the company strategy and operatione
“re approprimahy managed through policma.
superwaion, and decisiommaking in line with
wurtmnability principisa. Complete informaton
regardng Ika Nghest gowernange Dody and its
comunittees Is ptesentad In the Annual Roport.

Implementation of Sustainability Governance in Good Corporate
Governance (GCG) 42x nama

In #nplaomanting sustainatility govemance,
wuttmnabie finance, and corporate wustMnatKity
peinciples, BNI adheres to OCO principle as its
main foundation. The Board af Direztara playa &
pola In Operational managemen, wivla the Board
Ot Commissioners & tasked with overseeing the
impismentatian of the Board at Diursctori' dutae.
Faen Dwectorate is Ind by 2 Director and supported
'by divisions that manags ESG sapects. The Board
24 Director is colloctively reaponaibla for ESG
pertormanca. Dutisin of Ine govemance structure
are fuly disciosad in the Annual Report.

Shareholdars have Ihe awhority 10 sominata and
appoint members od the Board of Directors end
Board of Comevarioners at the Gonara! Meeting of
Sharsholdern (GMSI. In Its governanen ptactice,
BNI ensures that Ihe telntionship betmsen the
Bond of Direatore. Board of Commissionars, and
Sharehotders remaing professional and free from
confficts at interest that could potentiahy influence
@asisinne. Information ralatad to this in disaloced
(n the Annasi Report

Board of Directors' Parfurmance
Assassmant -

The awsasamant Of ihe Board of Diwnetors
performance da conducted using severai
#poroschas. including assesamang at ihe GMS,
#waluatian of Une Company target sehievemant,
sad OCO ussessmant. Complete information
ragarding this evaluatian is availahie in the Annual
Raport

Code of Conduet

BNI Implemnesan 4 Code of Conduet Umar birds al
BNI persannel at every level Of the organizetion,
including thea Board Of Diroctors and Based
Ot Commasoners, 10 mainin Integrity,
profosalonaliam, and compilanco in ali buwnass
sativitias, Tha Code ot Cenduct le farmulatad
In Ine with Ine vision, makan, ad viu Of
AMHLAK and regulates standard uf values,
hutinaas otnice, and week atnas, aceoptabie
sad prohitited canduct, and Intsractiang with
cusioeness. business partners, vandors. and other

Pemakai Rapat 3
#1 ben Megan waurewa (Perserai Teh

SBNI

mtakehoiders, including conflict of ingerost control,
confidantislity, wse of assets, and protstkmon ot
sorrugtion and yraSfication Employess siyn the
Integritv Pact 10 reinfurce implernentation. and
With support from the Graotiraten Control Urut
JUPGI. There's Wan ongoing dissemination and
learning through o-iearning, sharing sesaiana,
Internal madia, GCG training, and enaciing. In
#aditian, BNI coneisterstiy carriea out campaigne to
stronythan Integrity throughout the year, indluding
utiksing tw momentum of relgious holidays
arif internal memants to remind #mployser of
sompliance witis tha Code ot Conduct and the
(preversian of gratificatian ard canflicts of Interest
Compiance Is monitored through oversighe
mechanisma and a Winstieblomng Syatem trat
guarantaes the confidantality of wtvstleblowera,
and any wotation are handiad through discipanany
sancbani under applizabio reguratane

Responsibility for Ethical Issuos » «
Oversighit of Ethisal Issues

Ovarrigin af businesa ang conduct athica at BNI
In ceerled out by Ike Risk Management & Anti-
Fraud. Camenittse under the Board of Direstora,
and the Audit Committee and the Risk Monitoring
Coreniitee under the Boat ol Commiswonem.
Tbe Pak Managernent & Anti#raud Committee
and Audit Committee mestinga we hold at laast
four times & yeer, and Risk Monitoring Committee
"mestinya are held at losst onca sa month.

Yo support the eflectivenese Of this oversight,
BNI provides 2 Whistleblowing Syatem (WBS) as
4 neans of tuporbng varisua volatione. including
(raud. corruption, confficts ot interest. gra#ficatan
or bribery, wiolationa of policier and codes of
sonduct, and other ungthicat setiana, including
'ssues related 10 human resowroes.

Internal Audit is tempans ibis tor managung the WBS
and submnitkng @umteriy reports 10 Ihe President
Direstor, Board af Commissionar, and Audit
Committee. Eaeh guarter, the Adit Comrnlites and

Board of Commissioners, meluding Indapandert
Comenissanera, revew these: reporta, which
Include & list ot wotationg, follow-up actians taken,
and an #valuation ef the sifectivenesa ef WBS
management.

The Board ot Corwnissionara #msures that ali
compisinis resatvad by Che Bank dering 2025 hawa
been tatkrwad up carafuhy and professionally
by the partiss responsikle, In accordance with
Internal prosedkatas applicahie at BNI, Follow
up On WBS reporis tutenitted Ihrough the WBS:
to CEO channel demonstrates & commitment to
'antorcing compianea and appiving the principlas
01 good corporate yovernance.

The Board ot Comeniasionera assesasd Urat
the WBS @mplsmantation In 2029 has bean
running propeciy and tonsistentiy tupports the
sirangtharing af BNF4 yoverrance. However,
the Based Of Commissioners cantinuss to guide
the Board of Directors to continue axpanding the
@ieserination and Internalization ot Integrity
valuss Ihrough WBS. These ongoing sfforts are
#xpectod to further Inersase the participation of
ompioysss and stahaholders, ae wali as ensure
the creation Ot & cisan and condkacive watk
anvironmant with a high lovai of integrity.

Regular Audit on Compliance with Ethical
Standards

In condesting Gs yaarty dudit. BNI mplamanta
4 #use-dimensional Iramework consisting ot
people, process, und platform. which sarves aa
the foundasan for amauring the #fectivenara,
cunsistaney, and sustainability Of curporate
governance Implementation. One of the
sirmugic tocuses In the people dimansion Ie the
implementation of audits on sihicaf stsndarda.
which aima to strengthan a culture of Intagrity.
@cemartability, and afectivu nek control acruss ali
Ines ot the companya operatione.

1 KEY OMEN IL

Integrity

KRI meme Understanding

Imolarnmantun Tntoret Amar
and Cepatilty “4 Noker, Rendi nd Da ine. mad

01 Medi
OiMumah —— Merponsiblitlen,
| ontiseal : Orvelopmert— Arcourbiiy
Cagitai sad Aemanting
Buriners Ingtumentatisa Tomgiianse
Govamanee Wak
Procer otintaral tin
et LN ga at) Corernis Noguatinan
" Date Information ngan Digialkatken
SURPELUNG ability md and Data ayakan ad
Syetemsand tk wet Butinnas
£ esilabiiny Sazurity Ansiyies

In oversesing the implementation cl ethital standars, BNI assigns Internal Audh to coduct periode
audits al branch offices, credit centers, regional offizes, and divisiana. These sudits Include assessing
sompilance with the code Of candurt, regulatiang, and Internal policiea, as wali as Identifying potential
#UNcal violatione, seluding cunflicis of interest, btibery, and fraud. In additian 10 Internal audits, BNI also
undergoee external audite on Tha Implementation of its Anti #iribery Managamment System (AMS) ae part
ot Its etnicat standaris @udit. Furttet dmwewsson on regular sudits af ihe implementation afanb-corruptan,
anti-bribery, and eriti-traud poteies Ik pensanted In the section “Regular Audite on tie Irngiementation ot
Anti Corruption, Anti-Bribary, and Anti-Fraud Policies."

Training on Ethical Standards
Troughout the year, BNI conssstaneiy
peomotar the impiemantaton Of
burinors othics and conduet through
training progeuma atended by “
lines Of the orgamamton. These #fforis
aim 10 align employee tooduct with Tities mia tnpica covering
Industry stangards, strangtnen Internak BNI Wark Cutere, Anti

Nak. management, and Aolidify Use bebeey and Ardi-cotruptioe:
foundations of a sustainabia company. Lamagieswkpeneari

He Wu Digriai Zinies &
Ma Keamanan aa Kab,

program aras fotowa Lenderatup Pthioa. and ta ar

Mumior et Training Tales

Policy on Controlling Unethical Behavior Risks

Anti-Fraud Polley

BNI has #stablished ani impimnentad an Arg-

Eraud Policy that apglies to ati ompioyoee, Board

at Diurtors, and Board ot Cammissionara. BNI

impiarnents & comptehensive anti-trasd ramework

24 part ol its internal control system, with a focus

on provanton, sarty dataceom, and handting, BNI

Implanens sinct polices and Grocedures for fraud

prevanticn, mhich Include

€ Integrity Pact algnng by mmployosa asah yaar
ata form cf graificatkan cantrot wnd anti-ftmad
tomumtrnent.

€ Dewntopemant of a Code af Canduet asa guidedne
foral smphoyosa.

« Werk Gudelnes toe te Risk Manogervent &
Anti-Frmed Comurittsa appeovad by the Board
Ot Dirscroee Decrer No. KAEADIAA dated
Septombar 10 2026.

2 Guidelines for Inplamertag — Anti-Frmud
Stmegies. #8 stated In Company Procedure
Numbar INOO3APN/001 dased December 9, 2024.

“ Pokop on anro tolerance towarda traud,

€ Implementation & single sanctian in the form of
terminatson of employmant for #raudatars, and a
Inducgon mine und anwasamani Ihoarn teston for
ha unit whare the Iraud occurredi.

"Integrity Pact algning by prospestive debnore
W mising debtors At Ure Lime of Ie Ioan
agreement, In actondanoe with the Company
Cradit Guldelines.

£ Signng ot Integrity Pacts by partias Involved In
ho peocurement peocesa. 24 stipulated in Ihe
Cempany Guldelines on Procurement.

& Implementation af good corporate gevamancu,
ipekuding avoking conlliits Of Interest In tha
Ikan process, In secerdanes with the Company
Guidelines on Credit

Tha Compilance Division devotogad the Compilanas
Index ICIXI as & mansurameni took 10 #nsure Ihe
#factireness af antitraud pelicy imperantatian.
(OXX in usod to monitor and evakaata cermptionce leveis
and the aftertvanase at troud coneruls an am ongaing
basis, enabling te mmeasurabia Implementation of
BNFs antitraud strategy.

Srraadin Pepe BIG
PT Mera PengaraIrekerana

Anti-Fraud Audit and Ovorsight

Oversight ot the #mptementatian cl the Anti-Fraud
Polioy iv part of management responsibility in
managing SNI operational risim Throughout 2026,
Ine Anti-Fraud Unit condosted oversight through
periodic ovasations at Ieaat twice 8 year halfyeariyi
00 Ine adagusnsy and afisetivaneng Of Ino myuteena.
procedures, and control mechankuna #nglamented
Iwali work urita. Those #iforts are supported by more
Intantvy and Muk-bassd Internal audits, ae wat aethe
use of analyikal technclogy tor tesi-tine transactlon
monitoring and potential fraud detection. The
#Wecthmnesa ol impleanting the anti-traud poly
Is then measurad through Pe CDX, developad by the
Comnpiance Divimon. The results of the evaluation are
Wen repartad ak Imnst four ian a year kpuartaryi 39
re Board of Dirsotors and Board al Comrnissioners.

Anti-Corruption & Anti-Bribery Policy
pa

BNI kmplemant “trit polkise mud procedures
concerning ani-corruptian and antkbribary,
including:

& Ytngity Pasi sigring by bae sari ot Director,
Bowru af Cowartssinsase. and all engloyars
evo searah a foretef control or gralicakon
and ant-britary.

& Dasiaatian ol Grasification and Asti Dilbery by
ak cmp4eyess penodksaiy tesugh Ine Dogi

apokcatian.

& Doelopinart oa Code af Candurt ata poidetra
Ibr ih cendurt af the Bend ef Dirmetara Bcerd
#1 Cemasknea. and ak eruloyera

&Amperventetan ofan anti #mbery management

yutam Bunugh 15D 37001:2810 seriBentinr lor

He Anti Dritary Managarnent System (ABMSI.

#ntmgrity Paet Siormy In prospmcitve or penting

Sabar at San time af Or Ina agrmemen

Saving 2 wal 2 by the desisisn mehing alel

And rerata yartles in Le procuemerit Moses.

& mposing a single session in bhedarm cf
terartaban af ampioy masi (PHK) ter suasana
Ol atikaaton w biitaty,

8 Company Gukdalires Sor ttm Anti-lirbary
Marageeresi Syatem (ABM Ns. NTB:
CMPNON dsteu Deceraber Z7. 20M.

“Tae Company Code at Condust Gudelines,
Chaptor Adereraative Sansinna INGET
WCEL daled Fetmuary 13, MIS

BNI har atrongthoned ita oversight function to
#nwutt One #factive implementation Of anti-
@oruption and anti-bribery policiea. by estabilshing
a Gratificaten Cantrat Unit and impiamenting an
Ant Bribecy Managemsnt System IABMSI utier
the Compilanes Division. This unit playa a statagic
rolo in maritoring compilance with gratficatian
Control polides and pevcmdures and preventing
bribery ptactites acrose the Bank's business
peocosaes. As part of Ita cantrat machankim, BNI
has a reporting channel for susnectad anti-belbary
and anti-corruptlan violations through the WBS.

Anti-Corruption and Anti-Bribery Audit
and Supervision uc

BNI emurar compilance with anti-carupBon,
anti-bribary, and antiraud policies and their
unpiamentatian in Are with cthxal standard by
sondueting seditu af the ABMS Implementation,
which adhares 10 the miernational #hicei standard
ISO 3700112014. Internal sudits of tha ABMS
“re conductad crew & year by Intarnai Audit and
fatkowad by maternal audit by an Independent
party. The stope of the internal and external sudits
ottha AB MS includes the implementation ofelausas
In the 150 I7001:2010 certication, Incfuding In ve
Procurement of goode and services, corporata
#eg ment koana, and pesalan fund aotivitiae. The
wudit Misa covers amti-comeption reyulmioon,
yuth as yiftr, gratultiee, donatione, and other
tarns ot banafita, implemantad in secordanae
with #pplicabie lawas and regulationa, The 2025
survelllance audit found that the Implemantation
Ot tra ABMS at BNI was dasmed conaistont witr
10 material devrations.

112025, BNI aan aa vas sad Ita wark ny, Induding
Iead office, regianal offices, branch otfices, and
supporting entitles, Ehrouyh & risk ansesament
peocesa caried out by Intarnat Audit and related
unit. Based on this assessment at BNI operation
coverad im the aeseasmani scope (1006) have bean
#vahamed for coruption rata. Inctuding the Naks
01 gratticaben, bibary, conMicts Of Interest, and
other potential fraud. This arsezemant provides »
basis tor BNI to et prioritiws tor rturnat controt and
contiewsous imerovemant in the Imolementation Of
ASMS and anti fraud stratapes, and atrengthesung
measures hava beon Impiementad In secordanon
Wii tie audit #ecoemmendatiang Internal Audit
then reporta tho assesamang results to the Yoard
Ot Directora and Board ot Comeniasionars anod &
year

Tha KPK #valuatior results ancw that BNIe

Watikeation control in IG achiwvad an

"Excellent" rating, cunfirming the eifectivonoss

Ot the Implamantatian of gramficatiom control

and ABMS. To msaintain thesa achievements end

reduce the poseblity at sorruptian and bribery,

BNI has Impiamantud vavaral cerractiw Ineasurea

by streogthening various aspecta, Including

« Incroasing anti-cceruption and antkbribary
awarenkan among all ampkyase Icogh
vaticus prograene. such 08 dssemnatan.
training, mandatory e-leaming, webinar serisa,
and advisarias or BATA Official soclah madia
@ecounta.

# Diaseminatian af Infermatien an anti
terruptlon and anti-bribary 10 stakeholder
Ihrough postert vkleoe. digital bannera. the
BMI waburie. and national naas media.

£ Adjurimantot internal promsiane related to anti-
Corruption sd anti-brdbery in accordance with
Ihe lstont regulationg, beat practices, and the
resuite of sudit evaluationuiratsemandabone.

Kamamakt Rapat 238
rawa IPesaei Tuh

£BNI

Communication, Dissamination and Training on. Anti-Corruption, Anti Bitbary | and
Anti-Fraud yna .

Aa part ot #ttarta to atrangshan the ulture of amti-corruption and anditraud, BMI conduete verioua
Gaseminatian and training progtarme Involving the Baard af Commisslonere. Board of Dirsctars, ali
#mployeea, induding parmanant employoca, contract ampinyees, rainesa, and cutsourcad workars, 38
wall an business partnaru Inetuding:

Oi
Oi

Oo

Orgasiting 3 Compliance Forum with the theme "Dedisiun Making lised on ie Busismes
Jungent Male in the Coetest of Good Carport Governanrn and Anti-Lamastinn," with
Winet (pesbare tom the Comaption #radisation Cnmrerinsion IKPEI ang eantad by 1611
pospls, inclusing the antirn Boaed af Cemrissinnere, Board of Dirastore, SEVP, al Division and
Pagianal Hoada, Currnissivsess and Disseters af Disidiary Companies, Integrity Budidara.
Arat-Cantuptiwa Comnsetora, and BNI amngloyors.

Inplamentaton af arb-traud seriifcalisn taking prograrna 30 enhanat amployeea”
undermandiny and sumpatance In their rmapecswe businas operation, attendes Oy 430
#metnyear

#mpemartaban af a Masdatsry #-£ramirg Program an Art: Fraud Awareness, Arti Manar
Laun daring. and GratiFaativa Corcsu' md ABMS ihraugs he BNI Leaming Management
Syatwer TON imarierL wiich was attendad by ZI.U4Y enpinyar

Impiemanteban al W wabnar pregrare wtih tapi inelursing Asii Fest, Anti Carruptan. mad
Final Miligation, attandad by YLI5I viewer.

anptumantabun al &a Tiuraday Maning Operatioeai Amarunasa Sharing (ARAPAN|
program, conducted regalany every Thursday, Invotsing tie Head OfMce. brnach ofKesa,
ane rapannal off cos.

Oesemtsation and awarana wa talaing reganding antistraud ani anti-gratiatian to empire
ane other Lakahakders tarsuyh internal sammmumcatian media sah an Ora Hnsis, internal
meranbatiarn Geiitp wanpaness, ang pera.

Appeei t 4 eteployema pot ts 2ecept Ot fagusat Iwmanda Iram third sarUsa. And 30 tnad iba
Integray Padi, with intoros BNI cormmitmeni ts grsscatian senat

'enpiamantatian al are: certupliss and Beti-bribery diaeeminatan 4 all vendura Prona
Vendor Gathering aztiviliea ar weabinara held ores 4 year.

Omverisatisn ct informatisn Besugh poster. vedoce. tunai Sandar, Oa BA mabuk.
setonal mas mesin, and the UNI Facan tegaring and gratiitrson ABM, and enmustan
pesvartan guidalinee.

ustarah B0 Neposi 2375
PT aan Pengarn Indera Pernah Tah

Whistleblowing System 41...

Tha #mplemantation at GCG prindipkas at BMI
14 also reslized through the Whistisbiowing
System (WBSI, which Is based on Minister ot
SOEx Ragulatione PER-OAMBUNI011 and PERI/
MBUOS/7021 cone erni Gukdelinas for Corporma
Govomance and Sigrvfizant Corporate Activities
Of SOE. Tia ayeteen sarvas aka msana to muingain
Irmsaparancy, Integrity, and mecountstsity
by providiny & reporting mechaniam for BNI
employee, customars, dabtara, buainnas
parinars, and other axtarnal partiss regarding
aleged vintatiara of tts law, Internal policias, and
code af conduct, Tha types ot violationa that cmn
be reporlad Inctade Irmadi, corruption, conMete
af Intereat gratificationtribery, regulstory
Walatione, and other unatwsal act. Theough WBS,
BMI stslves 30 bulld a sate and ghly #hcat mor
environment.

WBS hat the mala function ot preventing and
detectiny potential iregularbes or violations at an
snry ataga, 21 well an seneting BNI im maintarang

the stakahaldarw trust, meluding eustarnera.
Gabtora, tkatinass partners, #mplopesa. and
reyulatore. by emauring that preventive imessures
can be takon Immadiateiy, Whistiebiowar
protsctlon 18 regulatad tiwough tie Company
Guidelines (PP) on WBG, an part of BNI sfforta to
peovidu security and condiddentimiy guarantvos to
#nsure Ikat whistlebiowers sre Irma Iroem che #isik
O retalation or intimidation and can repurt safely
and without taar

Tu ensure that the WBS functions optimaliy, BANI
ag #mplomanted "WBS to CEO”. This meshanism
Wwe ihe President. Directar to revaw and
#nsure ihat every repart with relevant evidence a
fokowed up on traneparentiy and proteseanaly.
The Independence of lolow-ap In strengthened
tiwough the management of WBS by Intamal
Audia, which alen Involves extarnal Indapandant
parbas. Detmlad Information about WBS aed tin
Weber of compisints san be fund In tbe 2026
Aneual Report.

WBS reporting tan ha done through the Inllowing channeis

Website
Email

Pr

Strict Sanctions us

BNI impasas strict senctiane on any Individual invatved In carraption. bvibary, or trauad, sncludbng waeninga,
demationa, terminatian of employment, claim far damagas, arit legal proceedings. This enforcement
rafiocta UNP commitment to teecting al furma of unlawful sonduct. In cases of fraud, employees
Are tudojaat 10 3 single sanction — the form Ot terminatian of empioymant and may be reportad 10 law

#nfarsement authiorities to ensure & deterreni ahtact.

Members af ta Badal

beturmal Pemai im 1 Yaar Dirartaru and Hour ot

eta tenud

Number of Casws Camurdttad by

Narraved

Under rordluties
Wiosana wig BANI

No attermpt at
mesalusian

.
-
-

-
e
.
-
-

Followed up thrsugh 0 , 0
Tegal orotesa

Mara Pisah taman td hat em By maha

DM kanemaia mhemakar kan kan siber mia Aesasl Rapat

211 Mutu ad Integanan ikat 1 Kadi benar Pai mara Inda pencaa af bw penahan Intra ai HA ami the mnta DIA Kn wan mad

maan

Sustainability Report in Brief

Report Profilo ».....o..

Av a mang af #senmunication and Acoountateity
10 all stakshokdts, BNI consistently publishes
a Sustainability Report annualiy, Thia report
pontains disclosures Om the Implemantatian of
#ustenebke finance and the Bant's performance mn
#conornia, environmental, social, and governance
awpseta Tor Iha reporting perlad teorm Junuany 1 to
December Jl, 2078

The proparatian of raporta raferu ta the provaione

Ot relevant regulations and sustainabikty teportng

mandards, inotuding:

€ OJK Cieular Latmr No, 1SEOJK.642021
teneerning the Form and Content of
Annual Roports and OJK Regulation No. $1/
POUK02701) concerring the Implemantatan
Of Sustsinable Finsoce for Financial Services
Institution, lusuars, and Public Compariae

€ Global Reporting Initiative IGRI) Standants
1001. weich are prepareli In aotordance with
Iha GRI Standarde

& GRI G4 Financial Sarvices Sartor Supplement

«Sustainability Actoueting Standards Board
ISMSB) Financial Services Sector,

Setanahin Repari 2G
PT naa da vunia Perwa) Tab

& Sestainable Banking Assesument 4SUSBAI
developod by the Worid Wise Fund far Nature
(WWE

» Sustainable Development Gosls (SDGs and

» ASEAN Corporate Gowornance. Scorecard
lacGsi.

Im addition 1 meeting Ihose standards, this teport
In alko dasigned ts provide Informatian needed
bw staketsoiders and ESG performance rating
sgansies, including Sustainaiyiica and Morgan
Stanley Capital Inteenatonal IMSON.

(AI data and Information in tha report ara compllod
froem the BNI Haag Office and branch networka
actoss Indonesia. The Mihanciah Information
@raciosod uses consolidoted financial data that has
been sadited by endapandent muditore. cowereng
BNI» sutnidiaries, namsly PT BNI Lil Insurance,
PT BNI Multifinance, PT BNI Sekuritas and Ita
wubekdiaries, BNI Remittanes Ltd,, PT BNI Modal
Ventura. and PT Bank Hibank Indonesia. Esch wotk.
unt 8 reaponaitila tar tha proweion, varificaman,
and rekatstity of Iha seporad data

Tie report was praparad Im aczoedance with the
prineiies at balanan, camparabiihy, accuracy,
Tanginesi. charity, 6nd reliability. This report
sontalns & number of restated data tv lmpeove
Serlcaure in the previous period, ax 2 rusuit ot
"methodokogtal mijustments and sapanalon of the
mxope of calculation on soveral paramaters.

Tire entire procese ot preparing ine Sustmnetstty

Report is coordinated by the Environmental,

Social, and Governanes (ESG) Divisian, AN data

and information presented hias undergone a multi-

layerud ruview and validaton process using 8

maker-checkar-approvar machanam, starting

Iromn the divislondwik PIC 0 the divisionant

leader. The rovew is carrind out in sevaral stages,

Inctuding:

8 Data coftection and condirmatian per divikan
through ceordinatian mestings. both offline
wd online.

£ Work unit interview aa pari Of ih assurance
prorees focilitated by am Indopandent
Inattutar,

& Circulation ot Ike Sustainability Raport
document 15 all Directors as membara cf
Iha ZSG Sub-Commirtae and the Board ot
Coommissianers for Anal anptoval,

Verification of Sustainability
Report

Witn refirenca ta the Goodie andi Services
Procureement Policy, BNI apoointed PT Sejahtera
Rumbah Asis 3x an Indapondant antity to carry
Ol Ike assurance procese tar Iis Sustmnatnity
Report. The asuurance agency was seloctedi
through 8 welection process Inwolving top
management and related urita, Taking into mecourt
the competance. track record, and aualificetlons
Ot aganciss ragistarad with AATGOO, 36 wali a
wulcient #rperence In Sumsinany repot
anturance services m Indonesia.

The assurance prosmss Is undertakan ta #nwurk
that 1he guality, accurary, and reliability of the
Information presentad In tha report ara im lina win
vuMmnabdity reporting princigles and standarts.
The assurance process includes data venficatan
and canfirmation with: all contrihuting partiae, The

standardr used refer to the AA1000 Assurance
Standard with 4 madarate sewurance hayal and
type 2 sesuwrance. AN siayas Of IS appoinimant
and Implementation of assurance are varrisd
Out indopandantiy, tree froen contliste af interest
betwser BNI ani he assurance Institution, and
are under ths supervision of top manayamant to
@nsure te cbjectivity and Integrity of thu prosesa.
A maremary of the #esuranos resulti is presented
jt the and of this report.

Material Topics and Key Issues |.
In 2025, BNI updated its materiality assacaman?
beocesa. taking Into secount Ine dya of
operational activities, regslatory developmenta,
and watainability lesusr that have a significant
Impset, batm an the Coempatya perapacilve
towarde erwironmert and socisty, 38 well aa
Peaneiatty towarda te company” parformanea,

The process af reviewing material topic prioritiss
wat carnad out Ihrough an approseh that involvod
Internal and externdi stakshobderu, External
stakeholders woreinvalvedihrough tne datributan
01 guestionnairse to Idantify #uatainability mewea,
(he magnitusde ot Ihsir smpect, sad their telmancn
to BNIB financial performance. The external
#takahekder groups particpating m Tha procoee
include detnars, inwestors, aharsholders, the
Stats Ownad Enterprise Suparvisory Agency
ae & raprosantative of sharehoidars and the
Government. Ihe regulator, na media, and
suppibers.

Intenmally. rmaterial ama ae mephored Untag
& reries of focused group discussione invalving
rosefunctionat divisane Tie forum aime ta
#vabumin DNS operational Impact on social
and anvironmental sapocts, whilu identifying
petantial tinencsal naks and oppartumties ansing
from sustainability issues (double  materimity
#poroachi. All mapping results are then analyzod
based on 2ho sonkext Of sustainatihty, materality,
And stekehulder needs, as wall as thew #elevance
to BNFS business strategy.

Pama mabidiy Rapat 230
1 Here Magann arema (Perwal Tuh

( Process of Material Topic Determinatian 1...»

ad eataritag the mertamateity #eentitying setsal ang patentiah impact mereermant :
see impact |
bametijing ats, cppostunsias. erat Condurtinyin-degin mtervieme AnaiyEng matarisi tesis and |
#trategies tor ON a busirvesa and Wih Internal staketaiders and (re porter and negabve
sraryeng Me Impact HN alen tatse—— dietriutn mmationaairan in certeeral Impastr wang a drutle
intu s2vant material tugioa in the #takaheidara to snderstand Wedstusi ——— muterisily oppraash mheh
#eansisi sector standarie OT GRI ur batasi hedu and anpacts Urat tangisan bus Trarca
SAS, wal (PNS SusiniratiOny Is UV may Intuence stakehokbet Secislen masaahiy and Impact
pracwen. mag menara

O- Lena ....

1 Data Sacutity and
Tes

Cpbersecunty
Lebak Re menta Descusaing wtih tep menaga mari and tagerts to ceKim Che pray
1 Cimais fontiones material tapica trum the rmvisur renda. Finel mpeoeval af mteriai tapis
& Grmen Partfoia Manapamam FE mada tiseujf istarial maetingeitrohihg member cfthe Dosrd ef
Drostors wa are members af the CSO Bab cemmiise.

Priority M Topics

006i OOO Mesumiokig: MO Mesum

Deterentiatise ml sorua re sops ang
dipitat services incruesea level atif system
BINI markat share, smtifkatan
#wenytheniag oyberocurty

Uovertance

Swiresad B1 eps 3G
PT Movi Pengara Ireke rani (Paruane) Tah

@ Padan
000

tisnmemis
Purfarmunan

Climate
Parilanen

Grwator accans 10 Mnansial
Serukan f0 Ma umat
sestot, rratton Of re job.
petamewn ant ol Aria Cita.
and enproues umployas
nelbarg

Nogative
669
Proveurw ta incressa
protustwity ot im kami
inglemurtaben of over,
sket affisiney menturna

ki kk Team
Poritre Wah

600
Aebivement cd NDC

tangata hay 200 or s00cwt
#simemetal toe
#20naene grain an line wan
Asta Cita Clmate cak coKvol

Negara

060

Faancing ertaris become
(Ovee Ni, pressure on bank.
peformanse due 20 arategy
(hanyes, nereased cema

for Imelerenting cimate
resikanoe liiatives

O66run @

Median 10 Hah GO Mesum

& Finansial
Materai
eh

609

(Wak ot Mscreesed
proftaliny, strategic riak
Jus 9 nguresehe expaneka.
md nereasat credit risk dum
to aggrensva sepansian

Oppertuniy

000
Owerstontan af bumn
Urowih seurses thrnogh
mepantisn 2th emak
mgnar an inerasan
in Ra market tar,
improvement of era,
aril mamibar of suatomera

000

Incressad apeu Lapan.
meatargis siak 4 Uha bank
bansitian does tt take
Inarsat reantisess Into
pecowit

Oppartunty

2000

Swanyiheniny tung tam
relatonwtips wih dettwa
Busugn ISS Advisory,
develosing sustamakis
Mancing products. and
(vcrsasirg market share

Iroranirg Bie
eren

#mpowering
SME,
Imoroving ascres
yebasking
erveseteegh
@atnisstion
2nd branchiaee
barbing

ua Kanpona

Clvar ruah
managemnt,
tbimugh dAmata
risk stress tertng
and amissiara
management
Irelemesing
CSO sdvaory
maa meenau!
#ducetng dontora

Mati
Tere -
Lang Term

pamambitiy Kapat 20

A1 den agar rear (Perwa TER

NBNI

006 riuh 000 KediunioHn OGO Mesum

Tingkat duri Pimanetaf
Wabatanty BM Raaporas
Paritive Wak
00

080

Rieke et ragutatany Devetuptreni
ehangan sus aa tARDpaN ut secarbaned
eriara, reperting errera, transiton
debtar/ ESL. and suppart—— high-emissun financing pattrwaya tr
farihe aehisvemamafihe —— reputational rak. mad maneging
Indonesian pevemment's Ineronsat credit cak in large Maenstag
Lg scale giten Inanng Hito,
@wengitanag
Oppertority gverenat
"wechesisina
080 in detarmising
Opportusilira fur psen sustanetie
(nansirg peodust #wandng, and
drpelopmung, biented mporting ce
#nancing pareserships and mio menidat
Inctete8 reputaten ang rem groa
master share #ransng/bosde

| (nama
» -
£ mmuaree Cphramai
:
: Peel TT
Fi Managumert sos
g

Seranah By Meperi 2G
PT ari Papan Iran Permata TI

Data Security and

Crearracurity 4

Kay Inrans and Blabebukter Caneang

& Nusk el persarael data and sensitiee Iormaticen
Jeata

& Trwsal af eybat attacke ar digital trawil

2 Datu sesusity Faks oriyieting bos Ira parties
“rd the Oytal mesratam

Stehebaldar Impact
« Emaluyees

€ Cuttamere

€ Dabtnis

2 Goverrmeni Rayulaton
2 Sharehoksesinyestor
« Supplier

Kav ltnuns and Biahebuhter Ganesnn

Pnwocial stabiley and resilescn 41 the toundatlan
far bweneer tumtaatly

Baarced dirrbutisn 21 ecotomis yalun tu
mabedaktern

#wenyitenng MSME3, fieancial inckewn end
Weraoy, and the develnpment cf banting serviums in
1 ee

& Deperndonce on eximrnal masroecenartic fnctera,
tuch as mirsext rates. monearp and Niscar policies,
taxes, and global market condiliane, can afhact sha
Mark» manoric pertemanan

Statabaldar Impast
2 Emgluyter

2 SharshoidersAmesmna
» GowerinuntiMagsirar
,
.

Kay Iesuws xxi Btstanalem Canerena

0 Prysikal aka 4 ihee tivancing partiada, parsculariy
in #ectore vutseratin ta ctmate change

& Pewyrical tisku ta he Dani'e operatiase

» Climate warsition Faks misiny Mom thangas In
policy. #egulation, ang sustainabisty stanitanis

» Knancing emistisne #xpacure ipartisiariy in tvgh-

mnistioe restu

Green Mancing and transiban Snescing 10 mitigae

Kong tr edrmatn rak

"Cats tuk meposura ta credit gusity and Se Banks
Mrensiai stability

Ptaneholser Impart
£ Bogloyaas

£ Customers

» Debtoce

£ Sharehobteruilnvsntars

@

Moy Issuns sesi Blahenaltar Career ta

» Changes In tuntainatile Kanca sapkabaos and
poticise, melusing the (mplernentatian cf TKI
mhich alfeci tte diestan arat sempositiar af the
Manssng purin

& Anwgratan et 5G and dbnate risk Inihe #nancing.
prormar

2 Tw resi Ima pansitien Enancing approeed lur
#esling Migh-emissian debeors. ttenugh matrummats
such ar Sentairabslity Linwed Loan, and seher
#rancag eevamae

£ Groen Gnanzing and transitan Enanding

Stmahalter Impart
0 Cruluysas

& Dance

2 Srarahoktersihwastarg
0 Geverremeat Megan”

partamebiat Kapat 228
Tah Mayat wetarea (Perwa TER

SBN!

Management Response to Feedback from Previous Year's Report

BNI sxprosaet Its approciation for the Input and sssesamen? provided by stakeholders and ESG rating
aganciea an tha 2024 Sustainability Raport. This faadihack sarvos axan important basa tor improving tie
Company pertormance and disclosute gudity In As current pered reparts. The foktowing are greet
arzas that servs as the fucus for Improvement:

Strangssarngihe Serangtnenng Simala rab Devalopirg sad maneging
manayenart and distlssare managemen, inckoding ita reset sortinlus ar part
ct data smu and (ptoyraon ine Ive c01purabe ol senvcrting sustan able
#wbarvecurtr senen Dek maragaman Hamas anang
Rovisening material lapis tai Ana
Iwwohying ontarnal ar eter kegaJend rana
ui bhw snape d emissioas
#eatasidet Aeeeesmamn
perang anime)
aro condstad using te
@outie materiil sepoma 2

salukated using PCAF

Gindualiv, BNP hias followad up on Ihis Imedback #hicugh various inittatwes to Improve arid sirengthan
its sustenabiity management system. Goliny forward, BNI is committed to centinucesiy improving the
@uality and completanass of Ira sustainability raport im ordar to provide Incraasingiy relevant Information
and bettar meet the eepectations Ol its stakeholders.

Adamaonal informatian abowt BNI can be found am our website, For turther mtarmation, mput, and
suugestiong tor improvement and advancsmant of Ubi report, please contect

PT Bank Negara Indonesia (Persaral Tbk

Grha BL Lt.28
dera! Sudirman Kav! Jakarta 102:
Emutronmeatal, Social h

Governance Divisien

Setanahin Repari 2G

P1 nan Ireevania Wara

SUSTAINABLE
FINANCE

ASBNI Ke UN Oa —

Ae partof as long-tanm business strategy, BNI a eyetomatically devotogeng sustamabi financing and funding,
“x well as various mustainabilty practicas across at businese segmentk. Tive ampismeetatian Is supoortwd
(by the Internaization ot natianat and intarnationsi ESG standards into policiss, business processes, and risk
managament tramawaris. In line with tni, BNI continues 10 atrangthan tranaparancy and aecountabilny
In iba ppbeation of sestalnwbie Pnance. in ordet to #netare rempansibia. mesaurabia practices nat provide
added value for stsksholders and Use national economy

Economic Performance Achievements
Material Topic Management ...

Matortal Tapir Esonemi

Prasiare senrerit pertemanan maragerart mubin IM in mraman iransisi matsity erargthan
#2 etemmetiery Tenetaru and mati bang tarta valas be rtatehuntata Eoonuwis perbotmansa sen
Daryas an Ike basis foe DNS ability Io suspcrt muntahnedie national econaml giowih and tesiinee 8
detak dear

Tferive sosis perfurmetan management has a direct kepeet an Ih ban» Gnancal resilenae.
@ ncinane in rtakeboner confidence, and the coneleu Ing af Intermasiary fincson Macroeconomis
manditara, Internst tat thanges, firancial tmatkat volatiity. 28 wel at Fasai and mamatary peliny
@wuamnica aro acernal factors shat can saat BNFS eco rumit pertenmanse.

On tive Peer Nari. theme condtiarm agen up apoertun ma tor HN! 29 merangthan Im entermediany
Mrvugh Sts sanslarmatisa and business model agtiicatia Orer spconuritiss ato arsa Iran
Ne Hari role in emporing mapan #eunomis rerevary and aroath Iheonaya landing  prordastiwe
sastra

: BNI xe0x an anvual rename perturmarer tatyrt 2y censideting He balance beturan GUwA
Havenut aed net rafi grow af Ap21A titian

Lagi yetwwits af OTW.

TP gem al MIN

Mentasting credit gusity me an Non Pertarmng Laan (NPL ratin of 3.08

Yergat and

& Mevuned burinasn pindbelity ara market xtar in im ragion dhrugih cutkst traselormurtan

- & Murened savinga and relasi depositn, 49 well as Iransactian based cuteri acourta

€ Meat and suntakaahis growih acer al segrnaras, win 8 primary fncus an Ita Corparae and
derentive segmanta se wal 21 Genit comet A wes segara

£ Mainisisiog asset awaliy 42 sesluce Low ae Plak OLaT

2 Shatsatin dreeloproset of wondi tm BNI Brdulireet. PBCML. dmc pkatioerra Anal Semper Ie
amemarpeney

& Swwngttering etebikr dat remi in inerusand prasurtiity and aperstinral #Sosny

Eoongnst perbrmanze menagsirere ang evakwton are under Me sepersiwan af ine Ontal Francis
Offcar and Cia esa Offioat, weh cupeport dee relevant udin muct 30 ta Kmance Damian, Emerpree
Fiat Managemen Oivisiu, sad besinees uns Evaluatiane ars sardusted perindicatiy twangh

#naneial pertormanee masharing business tang ach kevernerit anal bari sa peraiany

The mskarian Pemuka atv 1nd 20 4 krsis ker manmgaman deSaan making, tusirasa iraagy.
#efuseenta. and fish Lanal rbenghennu Ic emas Bat sceturnis pettormaroa ema matahabia
arwd ecaneeric aro wancal market dyaarea.

Srraadin Pepe BIG
PT Mer Pengara Ireken

Economic Value Generatod ....

Tiwenghout 2025, BNI manugad 10 tozoed solid and sestainabia financial performance growth. Amid
Uynamis mectuscsnumic conditiors Ehtouyhout 2025 Ihat aflected the banking business ensirotmmes,
BNI contivususiy manitorad veriows developnsenta and mitigated their Impect on the resiration of
@rmegic policia, butinase achievement in 2025, ae well as the continuity of business achievemants
lih iha medium -terrn plan. focusing an execution In areas algned with prime counoms potential. and
pollaboration In devsloping the acosyatom.

Erunortsit Vahun Gawernted fin Ap bisaa aa

Internet masa — aa 4917 40.410) AINI
Prentium inceme rat 10 ala 14692
Inswttnce income mepenses and inswatnentinsve . nat Ja7 TEE
Orer aperating Keane 100 10102 nanah
Total aa am ara
vw
" “ dee dian kasiat PPA NI AK LAa

BNI net profit rsashad Rp20.081 hlikon, driver Ry & recovery in operating incoite and weli-maintained
awaut guality. BNI aconomis pertarmance resordod an increase in operating Income af R964,976 bilban,
wowing 178 compared to 2124. Tha acvevamant damonatratas BNT« sObty 10 mainiain intermadtary
performance, opetationel #ifisiancy, and financial tesiience as pari Of sustainatile sconomio perfoemance
management.

Distributed Economic Value...

Te #c0normic valak Otnerstsil by BNI is disiributad to Makehokders. A total of Rp55.518 bilkon was
@ailocated to stakmholders Ihruugh employee remumeration and bensfita. dividende for sharshokders, tawes
far the govemenunt, paymants to docal and non-lotai tupplisra, aa wet aa donatone and ampowarmant
contribusone This #etribution af #eonomia wah affirena BNP role In managing the materi topic ot
'"Ebonomis Performancs' rasponsibly and inclusivsly, while srangthaning ous ceetributian to national
weonarruc development.

Eeoneenie Vahue Distsibartedi (te Mu bolifturah in

Opecying coeta terctuding employee salareei naa? panA Jera
Coat far smpinyaw talarine ari benatita tas3a) 1ata 1aan)
Orridang 23813 124547 Ke
Tx 42014 4007 25318
Kepengituree tar communty aovbar vga ya9 ..
Total sana3 52,6773 “4,24
uan
- “ pw tnpa snntatan Pane ramamlaaa

an .
"Then Megan wasrewa Persero Tek Mad

NB I 5) Tustairatie ap Soya "alan
- firanen #entrinabitty wu Rankenna Ba

Retained Economic Value ...

Retained economic vatus & Ihe difteence tatween Ie #ennotmic vake ganeratsi and Ihe economic
valuo distributed to stakeholders. In 2025, retained ecunurnis value was tecorded at Rp6.158 biion, which
was sad to strengthen capnal. maintain liguidity, and support Operatisnal sustainability and business
Wowth. The retention of INs aconomid value Is part Of a prutlent economic perlurmancs management
mrategy to snare BN financial resihence in desiing with sconamic dynamika while supporting the
ereation ot inng-torm value for stakonoldara.

Taxation Approach and Contribution 1 « »1.».im.

BNI 4 approach to teration is based om tho pnnciples of full compilance, tramaparenay. and good
governance, in line with the applicabie tax lawas and regulationa In Indonesia. The geverament, through the
ta authoriiker, Ip the muin atatehalder In managing BNI" taxation aspects. In practice, BM implemanta
“ tomprehensive and riructured tax management procasa, covering the Identification, management, and
mmanitoring of tax riska. This procesa 0 carnad out through cantinusus moniloring and reconcikatan
mechanisns to ensure compilance with all apolizabie tax regutations. BKI Is not involved In agOressive
tax avoidanga prestices or public policy adrecacy aimed at influencing tax policy.

In line with Law No, 7 ot 2071 conceming Harmonlestian Of Tax Regwationi. specfficaliy Artiche 17
paragraph (2bi, Domestic Taxpayars who meet osrtaim criteria ara antitled to a lowar Corporate Income
Tax rata of 33 freon Ihve geseral rata of 274, These reguiremaras Incdude being a publiciy Isted company,
Kaving at Isast 401 of its shares taded on the Indooesia Stuck Exchange, and fulfiling other rsguirsmants
In acoordente wah appbcable regulationa. On the basa of mesting those reguirermenta. in 2025, BNI used
4 torporata Incoena tax rata Of 1YS in caloukating de tax Ilabikty. In 20IS, BNI pald Rp3.068 bililan in tnes
Ja the government. In addition, BNI did not receive any other fmancial assistance from Ine government
during 2016.

Furiher informaban regarding BNI tax policies, positione, and performance is presented In detail In the
Anrusal Report and Consolidated Finangal Statemanzs, which are pubtahed separately trom this report.

Sesrenad Ny Napas 206
PT Beri Moga Iretersna Fera TA

Sustainable Finance Portfolio
Material Topic Management :...

Urevitasep
“1 Tapis
Marayanant

Targat amat

Gorvenitnvent

Maragemant

Draes pertfalie management J3 ae kecortant part of meiemargng sustahatia Nnanse is supgari
the antitios to 8 low-carban scanerny and sustamabe development. Ara nancial inetitinian,
BM hana aatngie tele ih ehamneling Financing to sestura Mat pronida pevrurameata bewalita,
DAIle erauing than etweitorurandtal ab social Kaka are adegamiely managed.

The Seretnpmeri af A gnean peritaho ha 2 positive Imenci In the dorm af Increasing BM4
#mariulisn 81 mnvitarmestal ptorestan tessurca sfisieney, and tappart far anergy transSan
ang mattinable busisera prarticea Gican barsing aan hes the sotrsliel 10 awengihen to bank'a
'esuteyan and merease bevestat and matehosidar contidenen

Do the wPbar band, the challangas fazed melata doktor srasness lmiabare, Ihs nasd for data aral
Wrs00rny harunzatian mid wanatis0 riska Uhet need ts be caralUNy manegod These cetidiiuna
#so apen up Opperturities for UNI 10 expang ts gran aanany pertfala. devalap wentainatia
Snance pradutts such 38 grean #nanting and Gustainabifiy Lisbed Lang (SL and imprswn the
mustity uf mevitutesental and sedia risk eesesamerta in Ulu sradik process.

$ harnase in green purtlelio vakse by p risimum af EM per ya.

& Eaparsion al mancing in pelanty green sectora. Induding tenwabie matur, emebormestahy
(Wood traraportatian. sid surtanatla natural resource menagemant

& Dietbutine ef Sertainebiity Lirksd Loam (SLLI to eresutega detara to raraisian to green

waclises,
» Dewdopirant ot Gress MSME #nancing prograroe feroergh techricai assistance for MSME
debitor 1 enenurnging MSM ta impiement kurtsinabin pena

Sentatratia tnascing Ingudng green Snancing, 4 cne af the main pilars Of B9 sustamah bit
miratnan, ta green pertfalia menagarnant rutara 20 POIK Na. SUPOLIK,CA017 pomterning the
#mpismentatian wf Suntaisabis Finance, 28 well as interzal polizier an sextainabia finanze and
se Ksarsing (KUBLI In 2 knplemestalisa, BNI alas sugporta the sppcatiee af the ladunesian
Sewtatratin Perrance Taxgnomw (TKI 8s & reterenta for Oe ciaaafiualion af mastninatne ecomema
setvdima Er mkal mera. aral gann (ESG1 ana wu sara cut et Ma mitial
age ol ihu cradit process and foim gert ul the debtor'a tesaibty analysis.

The matagemar anJevabsatan df Be green garilule is under the upenvisisn uftha Vice President
Dertne. In ceandinatien Wih the Environmental, Botial & Governaser Divtslon. Entorpilse Msh
Management, Padcy Goyarsancn, pad relatad bwonesa d nak uritt Kvabsatisne are condartad
merindiraly Ihraugh manipeng ȣf pertfalis auxity, complanse mM turtanatin finanor pair.
An aci mperteri Of SFAP targata.

The tenda of the pvabaatian ara used 41 2 basir for peliay rednemeat, rirengtheniing she ESG
#eriarar protes. wu davokging futura groes finanting #wtogma With Iva saproesn, BINI
uses hat yrses portfobo manage meri is Hot aniy onteraed tumurss Le wokune &/ Financing bu
Wan tomara the aanity af emoranyantal mpact and lang:term sustainadAly

Pama mobi Bapa DR
#1 bea Megan arena (Peraanei Tuh

AI BNI Tustairatia » Corporate s pedushan
8 sirares Serturabity wu Rankenna

Loan Portfolio

Te tan portlolio & ane of Ie main pikare an carrving Ot BNDS Intermadiary function end refiecte the
diroction ef our busingya strategy. Losaa are disbursod prudentiy, taking into secouni ihe balance belweon
growth, sesat guality. and rak managemant. an ling wiih ecanamic conditions and the neodu Ot tie raal
sector

Laan Partfeie Danad sm Catngury tin Mp inlilieni irasrw caca

aa
Total .
Cersarata

2.0 ”. 249.199 s9 yangg sg
Medium (Emerptise 0143) “4 100.423 129 10149 L 4
Commmoat
Smail 16795 7 95752 38 sean 122
Cantumat 112795 ya yanaga 184 wan "s
Subelaaris en 32 “27 3 «041 “4
Tntal Laam mn 100 na "00 #eors toe

Sustainable Financing (KKUB) Portfolio »..

Sustainable Financing consists ot green finanang (KUBL) and micro, small, and medium enterprives
IMSMEA) In 2025, BNI moorded sustainable financing of ApP3S.7 #ndian. This amount is #yuivalant to
TELAK of the total loan pottfollo. Mesawhila, green fmancing disbursed Im 2025 semountedi in Rp740
tililon, with 2 growth targot achisvarmeng of 101.29 In the SFAP.

Loan Parttsts of Bwstalnahie Financsng lin Mp titik isya

2 7in4 225

Desrisean

Tutul “ Tatar s total

£ Rerewakta unargy toak 38 31002 48 to1a oo 56
2. Lasryy #koeny 23 da 5 12 MMO 79
3. Pelkstion prwvertiun and ccotral 1007 “ 21 tB oo 2085 21
4. Natural rewzuree management ang “mo ne

(RAR ALA 110 MAMA MI
0. Cormervatian al deresatal and , . s 3 i s

sguntic Wadvarsty

6. Tewesomantaliy Irasaly aa 23

ki 19 12197 “
1, Sustainatile water and ePumet m “

— “ us "2

8. Adaptatien 4» iinete ehanga ' . a 0 0 ,
9. Lee effient ptoihats yag 0 1050 . 1389907

Srraadin Pepe BIG
PT Reva Pengara Ireke rani Para) TI

2s
Dasrreean
Total -

19, Geven buiinga Bat meat nation,

repunaby. andintarmetionally 47m 21 dung 1h Kao “
pesognileed etandanls a7 zerteatian
YK Ot environmental
pesepak kap 04 1000 “ 1043 “
Total Pertiotia tor Oraea Financing IMA MA MP ME ALI IIS
MI MSNE Autivites MBISE MIA MIAM BLBo MAL BE
Tatat Pertivto ter Sustainable
MATAN MDA ASM 100 MAMA TA
Financing

Wea DAN erereat NTP Te BAL Ie Pu ana perraa mel Man erna enda

m9 Ih orderto support Ih #mpoweerment of MSMEx BNI dwbuarnad

snayn IA, Ioana for the development of the Merah Putih Sub-Districti
Tn Distrist Coeperative IKDKMP) The loan ware disbursedto BAITS
Gran SE intngic partners reponsibin for Ihe pewalcal sonetruction ot
Mesmalng KDKMP vutists, Includiny the faclittles and Infrastructure, 86
Growth Trend that the Implementation could proseed in ae2ordanca with the
Ki ber targuts. Throughert 2015. the total #naseing isburved for
- the pinyalcal development of KDKMP cutists reached Ap46 7
#ilion. The disbursement of tis financing has met the criteria
Das MM MI tot woaliy-aware buwnean aelivilias KUBS) 48 #bprslated In

POM No: 18 ot 2029.
Grean Financing Management Mearwhilu, In Ihe MSME segmant, BNI also Ikaw

We have Integrated sustainability principhes Into.
Out business strategy and financing processes.
Trroeghout 2925, BNI managed to record a grnen
perifokte af Ra?4.D tnllion, secendirng the target dat
at Rp785 tililon, or eguivalent to approximataly
B4 of the total Ioan portfolio. In 2026, the hargost
green Financing was diswibutad to the sustainable
natural resource management and land use sector
AINI, tollawed hy the energy affisiancy sartar
AL. and the renawabke #nangy sector al 5.9,

peversi initiatives to ptormote- grean financing.
Tha grean financing from the MSME sagmert was
rerardad at ApIta$ bilion for 850 debaars. Tie
yrean Iinancing Indduded debtors perticipating
In MSME empowerment programa, such ae the
BUMI Program ared Uve BNI Jajat Kopi Katulatwa
Program. Moving forwana, BNI is cammitted to
continung to develop it poritoko of green MSME
Nesnsing Ina susainabik manner to contributk
mor& optimaty to supporting & susisinabis
seanomy.

Bamamakidiy Rapat 0
Pemia (Peraaei Tuh

XSBNI Gemes pera —

Supporting Debtor Transition through Sustainability Linked Loans

An part ol its suppori for the government» agenda towarda a low-carbon econormy and NZE targets, BMI
Dontinisea t0 #epand financing through tn6 Sustairsatslity Linked Loan (SLL) sehama, Tha SiL scheme
le deniynad to eneouraga dubtors In improve Ihsir sustainebilty performance by setting mensitatle
Wuttmnablity performance targeta that are relevant to the dobtor's ESG strategy. as well an providing
DSranelm Incentives for dabtors who succesehsty meat he Largatn » xgniad by buth partan

BNI has distributed SL financing te debtors from various business sectors, Including ayrifood, cament.
wae coal products, and packaging, which demonstrates BNFG real commitment 40 supparting the
tranaition of tie corporate sector to higihes sustainability penctktes.

Iwa rata af SLL in 7019 nee hestne periamagi: srabape M Kupporng the datrtar surtamebhikry
vwnitioe, indlukng.
(0 "vi Ohorin mbing ond sehilingspndis BO perkirmsand epaka neh tehidng
Mis ipa Itenetr. mpreving tesaurce ehiciency, Ot obtaining surtawability certifcatian.
@ their ine se2gr1n00 01256 pracinIn an BA cendet sesusturn rd Fa AssesamKN Mana
o epanaing sr7mer to franang far bummesssa tameinad to (he low- carbon KOONDA,
tranesian

Oo Strengtherinp BNI pesitan #1 & strategi partner tur debapen in Pars Muntawabkliy tramason jour reny

Tha serai realiratan Of SLL by Ike end Of 2016
tsached Rp44 trillion, milih d total of nine
0mpenisa #eponancing changes m #watainability
perlarmancs In accordance with the Indicators se
Out In tina #mcility.

tp

2s 2004 m0

Micro, Small, and Medium Enterprises (MSME) Loan Portfolio

PENIPU Sasana MR SNTN

Te growih af ihs MSME sector continwes to play a sigai cant ros in driving national #comomic recovery.
MSME financing is also ar important element in sustainable finance practcns in Indonesia. yivan its role
In promotng Snancial Inclusion. lacat employment, and the ampowermeni af women. vulngrabie groups.
and maryinalized communities.

By te end ot 2025, 8NT4 outstanding MSME lsane wara recorded at Rp318.8 trillian, with 13.48 disbursnd
(hrough Ihe subsidirsd mico loan calied Subridized Micro Losns (KURI schame, In additian. BNI Xpora
fimaneing porttolio raached Rp350 trililon, diatributed to 12,094 Jabtore, 4&6N of which waro export
celantaa KUR, Throughost 2025. BAN Xpara succesatuiy encouragad 364 thowsand Xpore-assisted
MSMES to entar he export markat (Go Exporti,

Srraadin Pepe BIG
PT Mera PengaraIrekerana

(

Subsidized Micro Loan (KUR) and BNI
Wirausaha (BNI Entropreneut) ».-

Aa part of Ita role ae an agent of devulopmant,
BNI sirengthens aocess to financing for MSMEs
through KUR and BWU, wivah reach business
actor meroke various ragione This nancing
101 Only support kocak #conomic growin hut
In also almed at encouraging more sustainable
busingse practices. In 2025, BNI disiributed KUR
and BWU through 196 outlsts to provide finenong
tar MGMEs all over Indonesia. The realizatiom of
KUR distribution reachod Rp14 tillian or 99 36
@ the ApiZO trillon target, supported by the
implementation of end-to-and credit degitalizaton
and Ihe usa oftechmology in Ie credit seseasmant
process

BNI MSME Empowermant Roadmap

Development and
Empowerment of MSME

PAMENETS ke Pen ML

Im supporting the local economy. BNI net anly
providus accaors to financing for MSMEs, but
Also @ryanizne various programe suci ak MSME
cepscity buliding, training, and mentoring 2
welas tho implamantation of envirommantaliy
Iriandiy businass practiww BNI encourages
MSMES t0 grow and level up through a siructured
|owmnay atarting from inorsaring producthity (Go
Proowsowul, secslurating digitatlzation 1Go Digitall.
and sxpanding sc0es8 to ylobal markets (Go
Global), In carrying out these efforta, BN metivuly
Cab ate Ah murnaLtlM pena ANT ANA
stakeholders to creed (esilisat, competitive, and
surtainatis MSME econyatem

Meradmatran Pata Senta- Up Pama
Ha Digitad) Io Gissal

mur Bestari Pposaaaaa Orting MEN Seposttisa MINEA wa
Mewadry cana papar Nasaaig metana kedai rahang anyer patenikd to asah
24 sman MEME jin MIE bus rana Uirvag wine raihat Wati Tustuta Maa
band wn 0 pena at Wewe to cat Bata seven yach Wev0net many, legante:
200 mapang On erhanan vina “eeemene nata aer healon, end rena
brow rosa copali Ha anan ata erotis ne sergan
evonet apem! Tue Mang pereanon
yateatar
Canasiv tuttng retakan £ Purna combaraae fu Yutrar petahana Peemnge catamarange ta
5 Pra webirara, Insuey tahun Bannsiat recent Wr arora mastar MEME mepartsuutan
: Kegura medran Apodraon an Wensgh tudinese petang
- mentaeg brMSMEs dong || 0 Ousinmes tamatan #dtuen mattng
PR | mina prowaianotsrancing || matetard Servis
(na itiss appa MEME
serangan
Learn
PUMK om .wu SMALL COMMLRGIAL
mai &x Wirawsaha — PANDU Sato LAN LOAN

SSBNI

Go Productive

BNI UMKM Ramah Lingkungan
Program

The BUMI pengram Ie UNEG Initiative to
#xpand indireat sconorvie Impact ihrough the
“mpowarmant uf asosiriandiy MSMEs This
program meme 10 Incrwasa buwnese CRpasity,
axpand acsess to financing, and abanythan
markat compotitivanass far MSMES appiying
#oviroomantalty  Inendiy  prectices— thereby
sontributing to Ihe sirengthening of the local
#conarny and the surtainabie value zreation. Tha
BUMI Program Tocumes an #ce-filandiIy MSMES
in the fastiion and Mandicraft sectore. Throughout
2025, BNI sontinued to Implament the BUMI
Program Initiative sulwcthesty and menusrabiy by
Gisbursing & total of Rp39 billion In financing to
151 MSMEx In the famhion and handioraft sectora,
10 well ae faciktating disseminmlan and businesa
matching aetivitles as part of eflorts to encouraye
MSME3 to level up In acoordanee with green
#conary prindgtun

BUMI

ON Kampung udidaya Perikanan

"paras

Buntarabitey

ndusha

BN Kampung Budidaya Perikanan is an MSME empowerment prograrn in the faheriss sector, In codahoration
with the Ministry af Maritirse Aftaira and Fisberia. Tia program ia designed to eraata #conomir impact for
MSME4 by mirengiheruing ve #conyatern and dewlogang Ihw bihae #conorny 4 4 nadonal pelarity of Presidrt
Prabowo- Gibran's Asta Ota In addition 10 providing accese to financing. BNI siso oflers integrated banking
servicas to crnate a closad-oop seonyatam, which Inetudua eihancng the capacity of businasa actars and
panding secees tnrough BA Xpora to ne global market. Through UNs wibative, BNI plnys a role in improsing
the welfare of eoastal communities, strengthoring the local economy. end suppurting national food security.

Itrewgttaning Pertnmtahisa 4
Dngitai Ecooystarme

DM dUurginene the ecanyatam
#trough collabseation wilh mesthant
perenang amean
2x mall as the use Of big data to map
potestial MSWES. Some MSMES

ara yan being pregarad to becarme
BM Agen kt arabing she to play

2 dual rule an business acms and
(menda service ptoviitess In mer
Semmurutine

antara

This sunge ala 20 crearsa th
viaitsttrr ct MSME prnndarts amat te
#hcieney af dala @ we marka,

Swiresad B1 eps 3G
Reva fengara trek

RBNI
sman

pen.

Owwnetreem Gactar

Nusinets Mentoring

Throug the BN Xpora - Ekspor Jadi Mustah

program MINI peoease direct and antne:

busirare memarng inckaling

curagon al MOMES wah epari potential,

« c0nchiog caise tor ine fishheries sastor,

« pariidpetar in meibitisna sad bazaar,
and

€ beminess mamching fot export pradustu

This mestaring ama ts bold buanwan
capacity, emaruwa ptodust cusiity, and
MUSIM rendinaes In penetratn ranticrat ma
Gita martata

Wumbar af Oebtore

Laun Vatam

Member af Oebtore

Mp1,2282 an
Laan Vatun

Go Digital

Abuantan Nusinmee Credit

The Alsirtan Taxi Financing Program is part of
BNI comrtment H0 supporting he sumanable
development ayenda, modamiting Ihe national
agricultural sector, and Impiemanting the
Governmantis Asta Cita program. Through the
Alsirtan Businesa Credit (Alwintan Credit scheme,
BNI playa an active tole in supporting gowernmang
polleles 10 secelarme agrkulturat merhanigaban
by proniding aczess to finsacing (ve the use ot
modern efficent, ang affordatie ayricultural tools
and machimery talaintani. This program aima to
boost ilis produetivity and efficiency of laman
businossas, sirangthan national food eecurity,
soppart digital transtormatian Im the gncuktura
sector, and Improve tie farmers' weltare By this
and of 2025, the total financing disburaed through
tve program rwacmed Apa? binor

Number at Datecra

MARIO. 3 pln

bantamahidin Kapat DI
PT ken Megan yan mna Pernasei TEh

67

Go Global

BU Xporn

In 2926 BNI continuad strengthening Ehe role of Xpora, as the Integrated export sekstion, to assist MSMES
In aupanding their acsoas to global mmarkats, By sireagihaning and-to-and services, export training and
mentoring, and ulinng digital piatforma, BNI Xpora encownngas MSME competitiveness 10 be better

propared to pengirate the international vabus chain. In addition, BNI Xpora is also & One Stop Expori
Solution Pat tarvek asa cervioe center for the diaapara abroad.

By the end of 2028, ho numbar of diaapora customers tonched 39 peogle. Varioun stratogic iitistives,
tuth mx inersasing collbaoratice with aganc isa, Institutione, and related axpart stakahatdera Implarmentad
Wwowghout 2018, were Wimad at supporting sustwinable. Inciusive, and mxport-orientad MSME growih
This is in liree with BNI tote 88 a partner in the transformatior of MSMES towarda the ylobal markat BNI
Xpora continues to srengthan Ar support tor SME axportu, with financing achlovementa af Rp350 trilkon
10 12.004 debtora

Tesresad B1 Negeri 2G
"tu

B1 Jalah Kapi Khatwsdstiara (EA JKK)

BMI Jajak Kopi Khatulsnwa INI JKKI Is an esonomse ermpowarmant program based an socal foeestry that
focuses an developing coffee farming and M3ME3 through She estabikahmani ofa ciosed-loop gtesn financing
#tosystem. This prograrm was developed as part ol BNTs therme-based approach to coflee sommnodities ta
mrangtnan the role af amalholdor coties in tne giobal suppiy chain Through BNI JKK, BNI peomotas the
Improversent af tarmers' welfare, Ewe supansian of Nnenciat Inslusion, and Se deseloomert of an @xpcxt-
onantad grean econcmic ezoeyatem. The program offers business fimanang, coaching, and mentoring for
cottae MSIMES. BNI JKK has also sarned governmant recognMon and is intagrawg Into the Nusantara Cottes
and Coson Project Managamant Oflizw IPMO) 4 part of strengihening Ime mationat coffee pcompntamn al Ih
BUMN Corporate Communization and Sustainability Summit IBCOMSS) 2024. In 2026, he BNI JKK program
continue ta develop weh financing realzation amounting 10 KPMMI billor, resching 433 cotfuw farmars
“cro38 5 provinass,

Sustainable Financial Investment Portfolio

BNI also darnoertrates Itu commitment 10 sustukimbikty tunagh he plncermart of kreselrmeritk And
vuttknabie finance portfolio, These inwestimenta are sIocated to instramants that suppari tie achievement
ot r0c1x and emwurormmentai objoctivea, inchuding Sustamabis Bands, the peoceeda cf whish ara unad to
Knanae setivilies al gned with the Sustainable Development Gone (SDGsl. sociali reeponsibik business
aciivilas Megiman Usaha Berwowasan Sosidi'KUBSI. and eswironmentahy tesponsibis businosa
activ!tios (Kogiatan Usaha Barwawanan Lingkungan/KUBLI.In addition, BNI sapporte MSMER by Invoating
In #ecuriliwe #swed by non-bank financial Inetitutione Inat promote MSME deveopmant. The total value
of this sustainable investment portlolin amounted to Mp7,064,5 billian, reflesting BAK» active role in
vapporbag sustainable developmani through invastmant Instrumanta

Sustaisatir Dang Dgibke Susuinabie Development Goat ISDG) 31974
Lepensturmt
Secialy Nerpansitis Businane Arivtin 301
Ernironmarasiiy Responsible Business Activities s5

Seanites Securities tm by Nonlisak Fisancai ut
nstitutisce Suoporsng MIMES

Tatal 1043

Bamamakidiy Rapat 0
#1 bea Megan arena (Peraanei Tuh

)

Tustairatie
Firanen

SBNI @

Green Bonds

BNI uses all procssds fram bond Issuanas. after
Soducsing insuarco ocats, to finance and refinanas
prajects In the category Ot Green Buslneas Activities
IKUBLI, inelading penjects. inyalving tenewabla
noergy, oneryy efficieney, wasteto-enorgy and
waste managamant, muntainabis use Of maharal
"resources and land, Conservation of biodiversitv
an land and in water, amiranmartaly friandiy
Wansportntian, sustainabhs water and westewatar
management, climate change adaptaton, pem
buildinga, and sustainable agriculture, ae stipulated
In OJK Regulabon No. #0 POJK 04/2017 conosnng
1Pe Issuance and Ragurements ol Eawircomantally
Eriondiy Datn Socurisias (Green Honda)

pndushan
md Ranjaenne

Corporate
Bustairabitt

In adiditkan, geen band funits are diswibutnd in
meordance with BNa Green Bond Framework,
bk het undergang ar Indopendest neviw
Ireough & second-party opinian from Sustainalytics,
with robuat, raneparent assessment resulte that are
In Eng aatih the dor mam coempaneeis at tive AI
Groen Bond Princigtes. As a part of its commitment
ta Imphmanting tnis framework, BNI ansuras that
IKOPL Of the pracseds from Ine esuangg are allocatad
to finance envitorimentally respansibis businaas
aebitien KUBLA

Rerewebie Energy Firanerd: MpLING bian 1ayon
#etiranced pi bihaan Lan

Envitareertally FrissdIy Ratinanend Pp3AM bilian anaKt

Tresaporratiss

Green Balisinys Metnanced Mo305 tadi aon

Warie to Ererav mat Watim Wetinansad Mega biliar uan

Mesagamari

Sumsiratir Natural Rosezrses mud Nefinarsed Pe1a0 tlian sa0n

Land Use

Tata PeK. A02 Diler rear

S0wve Omer tra Peni Aa 2525

BNI & commitment t0 develaping sustainable Nnancing Is also strengthened Ehreugh the contributiori af its
subridiary, BNI Sekuritaa, whish provides advisory services for sustainsbis mvuatment producte. including
(ie tesuance of environmental and social-based Imestrnneri mabumenin and Other similar sman
assistance, 10 offer Investment solutiona that focuw on creafing positive social and #meronmerdul
Impasta. Throoghout 2025, BNI Sekuritas plnyed a role in the lasuance of various tustainable investment
Instrumante with a total issuance wates of Rp257 trillian,

Setan Bp Nepari 206
PT dare Mpgae Iradanania (Farneteh Tak

Pu)

Sustainability Bond

In 2025, BNI maued the 2006 Phase 1 Sustahabilty
Bond wiih 4 value of Mob trillen as part ot
Continuous Pubke Offanng mah 3 funding target
Of up ta Rp15 milan, This esuanoe Is intanded 89
support medium and long-teem tunding needa while
mrangthening BNI commitment to promoting
muntainabin financing integrated with ine Banks
business strategy.

Te Sisstainehility Bond meuance process 4 camied
ut In stages, wiih an Initial ofleriny period from
June 12 to 19, 2075, and an atfsctive date of June
3, 215, The putile attaring perod dook place ram
June 3d to Asy 1, 2028, and the bond were Ikstad on
the Indongaia Stock Exchange on July 7, 2025. These
bonds are meuad In Two serak numeny Series A with
a I-year tenor and Series B with a b-year tenor, with
guartoriy Intaruet paymants and bulat paymart cf
peincina at matutitr BNT Sustanabiir Bands has
been assyned an AAA rating by Pefindu, refeoting
Pe market'a confidenze In BNIS performance and
Nak prada,

Tha proceadia from te Intuanca cf Sustakabilty
Bondu are used to fmanos andior refinenos profwctk
thatineet tustanabiity principlea.secusinedinBNIS
Sustainability Bond Framewore. Tha sustainability
band Iramework ind by BNI retur 10 POJK No.
181202), tie Gustainablity Bond Principles Issued
'by ICIMA and the ASEAN ACMF Sustainability Banci
Siendard 2011, and has received A Seconil Party
Opinion I5PO) from Sustainelitycs with cradible &
impocriul rosufte

BNI mioontes NM Of total procsede to Socially
Rerponatiie Businear Activities (KURS) These
funde support six social aiigibie projucte: basic
Infrastructure, @ssential services, doud security
and mestainable food ayatama, MSME financing,
ailordabis — howsing, and satlo-sconome
.mpowerment, The semaining 308 goes 10
Emviranmentaliy-Friendiy— Business Aotiwtios
IKUBLI, which inekades mma green #igibie
project categotisa. such as renewabia energy,
anvironmertany triandiy transpertatian, waste-
to-energy prolaete, sustanabis natural pesouren
Inenagemerit and tanu use, and sneruy efficiency,
Funda may be alloratad to bath new and existing
credit Facities.

BNI Is cemmittod to deburing all procsada no
later than ane year atar Usey are #ncuhoad, The
projest selsation process In conducted through &
Ngareus macbaniam with tha approval at BNIW
ESG Sub-commitea. und Wil bw reportad m8
separate Bustsinabilitr Bares disbursemsnt report
moompaniad by 2 raviaw from the appointad SPO.
ep lanae tia G2 I0R6.

Tie bonea hawa baon ratadi by Pafindo wish an AAN
Inohe Al rating for kong-tarm debt sacuities mad havu
recotved an Indopendert opinion (ram Sustainalytica
stating that 3NF4 Sustanabiiny Bond framework
IK Crndibis and mmeets international and ASEAN
#tandards. The ertiro project seloctien procese Is
carriad out tiroagh a sigerous machanism insalving
BNTS ESG sub-cominimee. starming from subemasian
by tbe business unit, #easibilty evaluation by the risk
managwnent urit and foal approval.

Pantamabidiy Rapat 20
PT Beri Megan petarma (Perwael Tek

Tustairatie ap Soporan pndushan
Firanen Bustairabitty » yi pasponre

ESG Risk Management in Financing Activities
Material Topic Management :...

M Topic: Cmmata Resillane

ISO is ienagartent Is an keportani peci af DIES suntalnabie finance Implementatian in
#egporting Ih trassitlon to a lom-carhan #cenemy and dimata resilkene.

Oowate resiienea ma matnsisl tope fe BNI becaurn sirtu rhanya can affact debtar perfartancn.
Asset goa ber. and Pinave hg portialis stnBilty due 1 Lnysa mid ansitika rae. To manage these
Amparta. BNI integimtes ES and ciate risk anpectr into 4 #nancing proseeers throvgh Ih
impiamantation af simase rek masagemani Ik avesarin aralps (DAMSI and cimate rah rwvan
testing (CRTI.

The menlementanon of CAMS and CAST mma opera sp appernuriben for NN ta sirangthen the
yeslianer uTite long term parifoia. support Gates ensitian 15 sustsisabin bushesa penbor.
ang develop tewearton Snancing In Ine wilh net zero emasion INZE) lmyats and cegulatory
paticses, Te approach surpari Mare pruderi, ataptve, ang sustanakity-oriented Inansing
sncisena

inernaee CAST sxope b3 cover 1004 af the purtloka

Aarat debitur is liwate wansilian Uwuugh tecbital sesatance and awarenesa program lee
“elitors. ax well ng avisery playhosen tor seseral Nigh-emussian sector

Drptialiy rangiber Ihs avatmbbity and guslty ef dalstar smiawan data

Acdieva Oa Net Zero Cersesion Fawncing target by 260

Devatap sertarbesed tranaitisa pasa for high-emissien sectars

Targutand

ISG #ek management in tenang it mmplemenint Mesughaut sha entira finanting cycle land te-end!
2nd proceta!. Thia proress begin with the setahahenami and avetastan of Riah Axceptanen
Telteria INAOI suvering mperts ef dimatr ahanga mitgation and adaptetian, erman Muhta, and
Secepatanal hewth ang catety as pert at ppaine matapamant. Purhatmora. Ihe tewatti Of Una
TSG rek and mitigatian #malyain serve 21 the basi tee determning credit terma and senditiang,
Ieilowed &y anpaing credit manheriag, intkeding compiansa WAN ari reatenian af ihe teyuirad
ESG esports. In adiitan, ESG sist manapermest In also carkad at roagh the tegnlaticn of
#nancing exposure by apgiying Loan Exposure Limite ILELL pertisdarte tor anctore wa teng
eos cl omirsioee. Tiis polis & intandud 21 a manmes to anticipato mad addream penariial crodit
sencararatan eiaka.

Erviranmartal impact management In Anencing » nverrean bnr yha Oaaed ot Direcsarr and the
1 ISG Sub-comsiltae, and it managed epeestionaly by Ihe Emiranmartal, Sacisi Ik Govemanen
IP) Divisise, it toveouson weh the Ercerurisa Plak Manegamem Division. Oyersighit of ckrnats riak
Anpaces Is carnag cet by he Board of Cemmmenwers. Thve trarmewotk arsures that ermirurmereal
and dimas ritkw are considered an part ofrise yowernance, net mersiy aw cumeliance sen, MP
#odusly spengihonirg ite organjatinal #irartere, mmparling marhaniama wd sraee dunesianal
#0018nation tm ensure that financing Secitican ipa wiih risk appelite, NZE tangets, are muranal
ang obal palicng an cuatsiratia inancing.

tempart
Evalustan and

Managemart

ESG Risk Policy and Integration in the Credit Process pi 001m
0

BNI tecoynizes that eewiron mental. social, and governance (ESGI aapecis aro one of the main factors hat
can aftact Io Gustainabikny of the Banks business. including lending. Theretore, BNI intagrates these
awpscts into the entirs lending cvcie, from poriteo planning and the approval Orocesa to pesi-lending
monitoring. This approsah a designed 10 enaure that the financing channsted not oniy supporta s00nomNG
Growth, but also menimizas pryasal and trantibon neka that coula potentially Mave 8 matarial impact an
(he Gaality of the Bank» assete mod financial stwbilty.

Betare peoviding financing to prospsctive dabtora, BNI sondusts & serie of eraditworthinnes assesment
processes Involsing several telatad function, Internal Awali plays & role In conekut ting audits 80 evaluatn
the adeguaty ol the croditgranting process, risk management, and Internal central in caci unit. In
tevawing Cradit peoposala, BNI idangtior and manaora ESG Make. Tina pipalins managemant meshanium
has been Imolementad, with ESG corsidetaGons tahen Into account Ihvuughout 2025.

G Considaration:

Initial sereenng nd chasastar sesesament by comsidering

& Megkomal disaat cik

& Nenrefitaton cf daayter potmesial

0 Piertp Io iasenen pertfoka watwde diaseterprone arean
Ipaograpizal, grokgicel. livdralegkal and demograptic
waectil

Wak Aeceptanen Critaria

"RAL per Industry sector dawet
Under “Kppetka”

2 Berittar RAL Yo tectare under
"UmitediNa Appetite”

« MAG iocerporating E3G aspa

ASBNI 5) Yustsiratia » Corporate ap "edan
IE #iranei Sentairi md Pasjrenta

#asesamerit ICIA) fo enaure that credit processes Owen
##ismntifed rieta — tampty with ml applisatia mpulrbone.— Oocumertatan ad aradit
“nd oppotturitms— invuding kwa aral regadatore on (SG adminisneson

Mina Yon CR. OP. ani TAM) Lada Cammmre

“Pre ih Ui by ttting LSG factore into: Caneucin ananyans agairnt dettorminoepastya
sumederaton condurta the ciemeatata, Sedtara, Covereng af riska and mek mbyatian
MEMuemas, Piliyatian, mari ing md by uraidaring iba s1tzormes lie ornpianer
reporting function of the Sat khmantin pesi, Uht Geciding wbether to aporuwe andr
aknann artis bp meaning In ine dat rabun sreaih

His Rarfiny (RA), Industey Fiat Appatite IAI
mal Fish Aeseptance Cilteria IRAC) setantahed
Iv toe EM Division. Tive estabiksned snpalitione
hayo ado taken (SG factor ina arenunt

ESG Risk Management Policy in High-Risk Sector sia...»
BNI has sactar guidulines 1hat ragulate the minimum wustanatilty repakarena Ihut muat be Int.
peobibited selvilies, and akpects Ihat are ancouraged for sustainabis piractices, This sectar gudanen
apel et Oredit sewmenis, including corporate and project finante. There are four sectors Mdertifiod as
having high ESG-ralatad rakx at BNI, namely agrcultura, apasifically Iha palm nil sub-seotor, tho mining,
construction, and energy setara.

ALE financing In the oil and gas sactor ie carriad out salortivoly, with priority given to majar playara with
above-average Industry pertarmance Going forward, In Ihe credit process. parlicalaty at Use pipaline
management stage, BNI will develop apacifis Risk Acceptanos Criteria (RACI for the oil and gas sector and
@nsure Tinancing Is provided In dabtses with sound ESG managarsant policias.

Seranah By Meperi 2G
PT ari Papan Iran Permata TI

Corporate and Enterprise Segmant

Sererai ESG riak ansesamant cniteria reguired by BNI for business sectors in this sngmant Include:

ON Palm Pinetation and Processing ineturiry:

£ Naya an #nekarmestal impaes anaiysis IAMOAL
Socumeni ant other pesiranmarmal pernis.

$ Kn #eviranmental or social disturtemore Wih tut 6
year.

2 Nawa an. emitorwartal management program
WPROPEHI dacumeni ol ag keras the BLUE category 1
Aina been asnnssed

2 Na tereet labor or emuinymant el minor.

Soeoa! miditkana for the Of Palm Plantatice Seotorg

£ Mawar aa in Ma procere of RSPO ar ISPO
meriikastan

£ The penibiliy af bukding ot pain partatiure dar
#rergy Ioedicatndi areal Ia prardizedt se as wat dn
"tertere with food and wupert menda

£ Temmitnd to Ingamartay the No Deforestatian,
Na Pant, and No Esplotatios INDPE? pelicy In land
Searng artintime In accontanne wes anpkcabis
segulahira

1 Mintihy ia given ya the company that has & stmaye to
#eturs emintions ang raduca neyabwe Imoacte on te
“nenen and acuh,

«The Inaneed slmtatian urea is net Indudad
In protected forasta 07 pastlande probbiled in
“erordanenatih ih Iadicaeye Mapfortha semenean
af nam permita (PIPPBI jatim by the Misiatey wd
Forestry.

0 Mianty In given 10 sempariiee that arang hawa
2 surtsinebilty sirategy toe Piasma Irman ac
Odepesdrt farma

UN! bag erterad the mening verior Me selectad mamner
(mainbg ts support mrastru-hre development sad other
awatagis devokgemant secaers.

Messi Ore ane Cas Miring:

» Na neyativa Information tegarding wolatiane ol

#nvironesantal mad sedia! regulatiana docaty and

petenatloraby in the last 3 years.

A ptotity mil ke givan ts yeru setidarta m1 minimal

Wo artiderte In the lusi D yess. Workete have

sed adeguate Persona Protesiive Eudpmamt IPPEL.

sempba with wet SOPx work Ik safety tnening.
beslih and work safety instan, and wates
wira.

2 Meet Ine minim PROPER MINU Af asiessedi
#0guirmenta, whish ran bi sither santrat or regianal
PROPIA.

? Mwen aapeciak baam to rapari to te AD to musnga
semporata Soal meepenubiity an

£ Peiaritin somparim that hawa iratnyy ar mesluing
#nissiara a0d misimising segativa emerunmental
and rocial impncte.

& Friorsan sampanire drat have obtained the necessary
matmita or imi teslamatkss in aecardnan arit Oa
@waditieng 219 potervial af the aren after mining,

£ Maee met or have 2 program that can be maritared
Yon compliansa with te Muabtatiwn #rwiranrwartai,
social and guwernance (EBOI pararatma sat by BNI
Im accordanen wah repalatary regu Pepenka

Kertamebiiiy Kapat 200
A1 hem Manjarn weturena Permana TER

I Tustsiratia
3 tiraren

£ The poodelprodacta esis da nei came fram mining
ar Irocesung ptoducis that are Ingaty problarnatis.
aga

£ Pertnerumepgbare baya ne bad maw abaut viskatiare
at mviranmental ragulatinra, bath Incal and

0 Thecompany harottamadapprovaiferomntonmantal
@mpact analpun (AMDAWUKL UPLAKL RPL Datadiedi,
her thiwagh Ita cwa penmil ar Ihrwugh ihe bisinsas
statetren

£ Thereit no bad nawe east mwiranmental visletiana,
bath lacety and international.

£ Cempir with tegukilona an we polutan & noise.
nelusing due ieperyan.

« Cempiy with ragalatiana un water, madinmet, and
Weartomatan Kentment.

2 Cempir with repiatang an the management ci
sasardowe warta.

“ Managing sosial mud sukural iwpasia an Iseai
20 musitita.

2 Witite contervatisnitorsi habitat moslopical
Tapem,

£ Prarity alven Ia ihase with sera Aseldenta ce risirai
Work secidarte In the Inat 3 years, Wortart have
"aed adegustu Personal Proteetwe Epipmant (PPS.
2ompiad mia wurt SOP warh & safety mainin,
Wealth are Work safmiy Itesaramen, and woreid On
udin

& For amnalbarn/fabricabara using usah basis, priority ie
Wran to those Uet have #mpemented ane ar Mete Of
We talking sratngme
& Ibargy iranatinni or
& Ebissiure radustian sitetagy 85
1 Biralngy 10 /ature mogale emArormestal

yacta

Additianel eritoria for the Fabricatar Sector
£ Raw materims do not otignmte kum mining cc
prvaering that ir Ingaty pratsamatiringai

Additkanat criteria for Ine Groetmt Refiner Bace
£$ Campiy with tamu on #mplaymae, bath toreun and
Jotal worbar.

Setarahiny mag
PT Meri Pengara Irekerani (Fara Tah

pedushan
md Ranjaenne

Corporate
Bustairabitty

2 KURN ane comey wet the tegutetina at Ia
sesattustins wak smctot, namahy: land use rghta
#mpinyes oetupatisan anlety & heatn, mnmiing
pelkatian, mnimiring Sha raneeguencnN Of Merardowa
materiala, and uengmataring ratus water
sewaan

"Na mayatlva Infoimanen On Wolsiian of soriat 6
#rironrmemntal regu tatinne im ta taat 3 year.

£ Temply wi good torpetate yavernance (DOG! utas.

Wa tertalatr wr mmuboyinern ut mine,

Peang ie given 10 20mparee that have @urabkahart

setel impasta

1 Peieritisghvento fhe company Uhal has Bero mecidants
G0 Mnenum work ancktease In the Inet ID yeare.
Wetkera hava waed adoguate Persona Prosertive
Tawement PPE), sompiled with woik SOPx war
A peryanai safety waing, Beslih and wore tataty
satutunan, and morkad in ahifta.

2 Airerdy have Ws AMOAL at Ensitawpental
Manaperment plan In accordaree Wii regutatkona in
tt electricty wacten.

£ Mae 8 carificste or ONS manggemeat plan Oat
dabtsre ar cantractorel.

“Na. negatwe Intonmasah on welators df social
50 anwbanmartal reguatiane bath. local and
ntanatiaral ir the tani 2 year

£ Hare inet Ot have a program that cat be munikared

For he tefitmert af Be CSO Onalintie Faciee

Parametera set by INI In aecendanoe wtih megutatior.

Fur coaliimd power plant Knensing. #rierty In

diven in Bose the akaady have ane ol inare &£ ie

stratngine balewe

2. Erargy tansiton or

&. Eriasiure reductise saratnyy, 0

2. Siratopy We tedute mepatike ensiromerdai
imoacts.

Kecuring Maa Ertata Ai Nan-aruming Neai Entatn

Sectut:

"Na. negative Intormatio on watatione af sosial
26 myhoremeatal reguatians, both Incal and
tmmatiorai, in te last £ yaaa that kare an muse
20 business cordiukp.

& Centormiiy with regicaak satin plan YNT dk MAL

£ Appeoprinte fatih ne Inuitabitty ef Janet mitha
function based un the mantar yian ol uhe araxirayiosi,
Basic Beilitny Caetfeien, Buting Area Corttsire

1 KURN and compiy with pal matte aub-arctr
yegulatione  namnely: land ne. rights, mmplersa
secugutanal selaiy & hoshih maimisirg pdluikn,
muwmiang Ihe coneawuerces of Karandows materinia.
seng mantaning satural water sources, etc,

» Navean AMDAL er cibar eiranmantak permtita.

Na Keceg laber or emunaymera of minces.

27 #mukarenerkal regwatknt, both lacak and
international In the last yoare.

“ Temeiy akh ihe rules et GCG

“Ners a perait tom the kscal gevercenent for budidny
#etecommwakcatian Intrastrucsura.

€ Alramiy have baikting devetapmant permita OM.
AMDAL and stbar anvironmantal permita.

Spesial midianal critersa far the Operator and Onta

Camer Gaston

“ PWority ia geni Ih company that basa strumegy to
reduca eninticns and raduse negative Impactk on Ne
o0ronmert and ensaty.

Naa

& Mimemum PROPER BLLIK fit han ber sennsand

£ Ne mgatike Infonmasian un walatami &f sosis
6 #mvurmertal tegakan bath local and
baterai iv ie last year

» Nure an AMDAL and otkar enriranmentai petmits.

» Maezan Otovpational Mestts mud Salat Zervitoate

» Nevewanta management management In acandanen
Wp atia reg babane.

£ Mart tive minemum BLJE PROPER.

£ Na smgative intermatian an walationa af sosial

01 #rybommestal repikatians, bath local ang

internatinrat rs the Jani 8 yeane.

Tompi, man GC

Ii has recoleed AMOAL eppruval, aitkar #reugh

Ine Gmn perruit ar througs business estate ar ih

buuneen aren,

Cuwmpty With regutatina an s5 polutan & noise.

jawusng dun dispersan.

Coopty with regutatione an water, #edimernt and

wantrmntar irostmert.

Comply with tepulatiua 21 hacesdous and tewie

Wants Managemen

“ Naraging sucisi and sutkral impacte un tecai

semula

Widite conervatoneokgicat menagaman ot

recai hatitata.

Cmmpiy with labor lama, both dorsige and kecai

waras,

Tero Aachikeena 01 Minimum work ncoden3 In Che laut

1 yewt pre peinrtizedi Workare kawa used adaguate

PPE, nehered to wurk SOP4, mori traising H perasnal

Safety, perupsbeaa hasith and safmty nsursece

working Ia atitte,

For factotiee ihat san does fuel amar. Kritis in

Wen te base eha aksadp hawa ore ct mate aftha

#rategies belew:

2 Erargy traneitar 9

& Ewiasinra reductisn tiratagy 8

& Suatepp ie reduce megatIke #miltwwnesiai
iwpacts.

£ Na torcad isbor or employmartaf minor.

..

.

Kamamakt Rapat 238
"Tawa Megan waarewa (Perwal Tah

Tustsiratia
Firanen

£ The company hat s4 AMDAL ut star mersiturrsmetal
pena

2 The sompany tar Orcupstional Hesitn sad Sadnty

Marapament Syrtare (OHOMSI

Mave 4 warte management politr Is beccedanse with

spiticakie repatanang

Na ancial er #rviroresmetal disturbascae is the tut 4

pra that have an empat on bunisera cestimsty

Dempiy WIN labor tewa, bore Sersiyn and kocal

werhara,

89 18491 on tumtainab le onw on mental managemen

|
|
|

mtrimational is the net 6 yemte.

There Is nu legal tuna ut matbuactice ihat has an
amp on borness cantirsity.
Vevenburgilal mere management unit Hastuniaaen
WUn yeverameni tegulaticth

20 #miwwestai regutetiana, Bath latal end
Antermatioraat 4 the asi 5 pama.

£. There ham mawar bor ear mf ntal asd mine at
Sraga wamdacturad ar sed.

1 Nest tie maulremants Ihat have Dean et By

#egutatare, insturfing AMDAL tr attrer #meirormmentai
penata.

Have wasia managemast manayament in ecundence
win sppicakce regutatian.

Na torced labor ar empnymarg ot mnare.

Setarahiny PI
PT Meri Pengara Irekerani (Fara Tah

2 gintrinabitny

pedushan
md Ranjaenne

Corporate

£ No sapatime infurmaton 8 Woktiwa af
#eweaumentar and social tegulatora. Both bacai and
Internastianak, in the sat & ynara.

£ Thera kan sewa bow ewe wi data ride #tlacts af
products set.

#rwiimnenental aril seciai regutatisaa, bot local and
(ntmratital iv thve tai ID years.
2 Compty wim GCO
8 Tato Ascidenir cr Minimum work aceklenta in the lan
1 vest are prisr3od. Workure hiwe Land adegunta
PPE. adhered in work SOP. wurk training & parenal
Safety, ocrupatiesal healih and safety Wmauraree.
Working In sita,
Petani 1 grven to the compsan hat hara eiratngn to
#etuco emissinsa and reducn negative muara ce iba
#nvitonsartacd sosial.

& Moi formal docarmenia al peldies and regulalosa lo
# sure the mingrity and guslity et ine isstmaian.

"Na pegativa pama selalu Ya meimnametal, social,
and goversanen JESGI sepecinin Oku isat 2 yoara.

RAC Commercial Segment

Several E5G rak ansasamant criteria reguired by BNI for business sectors in thla sagrmant Include:

Au ssi41 01 mewwaremeesa disturtancm Dn ie last
yeare that terve an enpse1 on bumswen cantinssty

WN ilrgsiprodustt Btn produsis old hawa distribstiam
petmbasompir wEP mppicaboe stan darda, sit.

The company hot certetiy undargaing ega
seocandingainwutwet in fepal sanme that sowki aflrot
tutinesa- consiulty Tiscludiny Uhose wiihoat 4 Misal
and binding secisian

» Nu #nsial or ervirwernantal disturbeacan w ihe taat 3
(roa1 that Kave an itpact on kusiners ceatinsity

" Possess an. Envitomental Iwaeet Asseswsant

LAMDAL | parit and cther #rvironmantal pemia

20 #imiar pernis in secardanta with Ihe bewnran

wactat,

ampe ments cccwpotanal Bealih and safety IOMSI,

Na tonced labor ar empiaymant al minara

£ The tampang & net cariwetly undergainy tapal
proceodingsinwotesat in legal casan Ot soudd afleci
dutinere conenuty liscuding those withost & Final
ane bibeg secisienl

» Nu social or erwworeensal dinturbancen in ihe taat 3
Yrare that tawa an mmpaet on bumn Tantansaty

» Nu teread labor or emplayeera wf minara.

2 The tamoany 8 hut curimatiy underyaing hapal
peocasdingsinwahewd In Ingal casme sat cow affect
tusinene sannutp Tiesluding #oe withoat A fisal
and birakog decision

“Na sucial 0 aeirremental disturtaners bs te last 3
yrara that have an mpasi on businare cantimaty
Then haya marun oem any new reporte ad Fatal sid
“ihacts Inem fe products seng.

Na tote lahar ar emplnyrmeri at minsrs,

Tha sampany 4 nat surrardiy urdargoing begal
#eoetoSinga!involvod in layal s20a5 Ihat couid amat
Buviosss comnuhiy Iscudny Crote withot a finai
and binding darisian,

«Na sncial er #myirnrmurntai disturbancns in the last 3
Vvare Ihat hawa an kmpiasi on butiran sentinsitp
Potsess AMDAL ang other #nvireomenta permiti
Impiermente 200 upationat Salih and saaty IONSI
Na fotcud late ar mmpkoymertt of mimers.

Tha sempany ie not surartiy undergoing kepal
eco e0dinga/mvalvad in degal sases that cok lesi
Suunsen commuity limctudIng tmase withmur a final
and bindirg derislonl,

"Na social 0 amerormeneai disturkanona In ine laar d
year that hawa an kngrasi on business centinsitp
& Compliance with regional apatiai ylan (RTV)
Anpropeisie land use Iwuktabklty 0 land wil Mx
#unetian basud on the rasi plan al ine arpategini,
Bet Building Corlfisiert, Buiksing Ara Cnmfiesant.
Na fottod labor ar smplayimant of minsen
The tempang & Kat currariy undergohy pal
peoeradinyal mvalved in lagal taman that coud minat
turinass tomiuity Sectuding Umss with a final
and bisding detinsal,

Pama mabidiy Rapat 230
1 Here Magann arema (Perwal Tuh

SBNI

?. Na social ar emewarremntal distutbasara In ie leat
rare that have an mpasi on hurinas ceatinsity
Na toreng labor ar empiaymant of minars

The tampang & hot curtmety undargsiing tapal
proceedingewwalrad In tegal cacat tnat sawi aflect
tutirasa cantinuly linckuting toe withoat a firal
and bivuding decision.

£ MeveanISIKARSPO certikcaw ar ane in Ine process ul

SAASPO certihatan

Na social ar mesirureametal diaturtnsces in ia taat 6

pesat that have an kmpavi un busisass ceatinsity.

The camaang 38 not curtmatiy Underyaing hwpat

procandingsawahond in dagal crane that tencid mtiret

tusiness continuny Fecludiny Ihote without & Tea

and binding decksisnl.

#rerees AMDAL and car emaranmantal Perma

» Na fersi labor ar serplayeant ul mincrs

Cemmitad ta inplamartay ihe No Deforestatian,

Na Pest, and No Erpiotatios INDPE poliry im tam

ascng activtins in accontanee with sppicabin

Ingutatitesa.

£ MOray Is yiven te the company that is 4 strategy to
#edure eminiens and reduta neyabwe Impacte an Be
aneionmarg and seciaty

«The Wantalivs aras ix oat in a conservetian arwa, ke
“Ot in dispwte, mid does nat #ureed the canceswan
za,

«Na tocisl or meviransmntal Sisturbancwa on thn lant d
prare that bonen an rapaci on business centinsity
Tufh and compiy with regdatung, amaly. omukepse
secepatianal tatsty A healih. maimiing pellutkn,
enemising the conengparcan cf tarandus material
aing maintsining satural wali souroei, ec.

(Na ioeted labor or empiewmentof minor.

The compang & not. cerrastiy undergning hapal
proosndinguliwatead in heyal canme hat cew atbeet
tutirese conthulty Tisctuding More witiheut a final
ana binding serisisnl

Berenah By Meperi 2G
PT mari Mpaad Irta rani Pernah Tk

sawinata
Orraneo »

Corporate pndushan

Bustairabitt

«Na tocil 60 #Imdrocmentat distutbarcan in One last &
rear that have an kpiast an business contiritp
Tharn iss newe cf malprartica that has an impacion
Lutiness condnuilty.

Maena bampital waste management anitinascontance

md Ranjaenne

28
:
:

The company de nat carrardy undergaing tepai
seveengsi valve in Mngal san that cok aflesi
tuuneee tonimutr linsuding tross withest a final
and bindirg decision!

4 Na social 60 envirarewncai distuttavoes ks ie Ist 4
yeara that have an impas on burner contindhe

PURI and compiy with Iha tegulitiose «Om
@wwattustios suk sentar, mataiy: land ume Kginta,
tingtuyar pezupalisad satety & hedth, mimaidng
paihaion, mnimirng the cansnguenca at hasardoun

materiala. using/maintairing satwa mate ssureaa.
aa

Na foremi Latar ar mmyikay rest at marar,

Ine sempang Kat curraniy undargong. pal
#overadinga/invulvud in lagal seng that could feet
Susitass tommuliy liseluday Oroto without a Final
and binding derisisn!,

£ Na ansisl ec onvirunmergal disturbarcar ih the taat )
year Ihat have an knpa On busiese certimdip

2. Ihere har mever bean any new ot bartai side afhecta at
20 penducte being reid

2 The campany & nat curardy andergang pai
ro eainga nvolves In tegal sa0me that coukt atas
tukneee tonimuttr lineudng tross witheut Aa final
and bindirg decision!

, ———

?. Na social ar emewarremntal distutbasara In ie leat
reare that have an empasi an businnsn ceatinsity

«There bat saver bean ary nawe ci fatal side ahlaris mt

We praduste bsing teki,

No Here labor ar employment uf minor,

The sampang 4 not certmatiy undargaing hwpal

2roceedingsinvabrad In tegal canes that coukd allect

business cordiuy Hechuttng #Mose withost A Mal

ang binding seciconi.

“Na rocial or mrwionemental disturtascee Wn ih list 3
yeare that tara an empusi on huninmen ceatinsity.

£ The tampang & not carrestiy undargsing Ingal
#roceodingaliwalend in dagal casan that Loud mlheci
Businesa mnuty hecudng Ktose withwut a Mirai
and binding serieioni

£ Na social or environmental disturbanore in ih inet 3
rrari that tawe an irapact on businmss centinsity

» The cempatiy hat an AMDAL ur other #emsitarrsesal
Beta

£ Yhe cempany hat Safete. Onupatisnal Masih W
Envaonwart.

£ Cempiy Wit mepisatie regulatisan and. peran

serardng to tne Ivpe of bvwneer.

Na ampiapmant ci mar

The tompany Ws hot curtentiy undergaiay tapal

#roreedings/nwolwad In begal cawan that cowid atiret

butiran continuny Incudng #tove withoat a final

and bivding decision,

Tie s0eparnw has an AMAL ar ate #eniranmmermtai
part

Na social or environmental daterbancee in time Imut 7
vera that have an imgacLan businera sondinutp
(Na force labor er @mptoymenit e£ menorw

Toe sampang 1 sat surrargy andergoing legal
prutsedinga/levolvad In layal cmaes that cowid alfasi
business conbsuhy linckudiag thos2 wahout 8 Anal
md binding decrinei,

Tbe piartatiun sewa ik mat In 2 coneervahan aras, ia
vet in diapute, and duea not #xoeed iba contaseian
znn

Ns satisl 01 amiraremantal Getarkances in Uhe last 5
yoara that have an mpasi ae Yusiness sandnuk
Cordermitr WI the regionat spatia ta
Apptoprism lang use Imsitabilky ml band with fe
Yusetken bawat on te sstes glan of Ih eeattegiord,
Vasie Uuitng CoeMoient. Bwilsng Arva Cootticient.
Yulia and tompiy Wit real satria sub-errior
pepalatinna. mamely. land sos rights, cempatunal
setety & baalih Ol meployest,. misinnking the
totsegusncet Ol harardeue materials. using
maibtaising natural watar aura, can

Tee cw0pany ha an AMDAL wr other #rwitanmantal
parit

(Na fnrcmd laber or #mpioyment a£ menara

Tba sempany ia sat turardy andergoing legal
ptnesadiny lnvalvad In legal smses that Loud aftaci
bwunees conisuhy lincudiag nasa without a And
and binding decsioal,

Pamamebiliy Kapat 0
A1 Merk Majarn etarea (Perkara TER

SBNI

tu
Ora”

Corporate
Bustairabitty

pndushan
md Ranjaenne

Small, Medium Enterprise (SME) Segment
Several ESG risk ansasamant Griteria reguired by BNI for business sectors in this sagmant include:

Na oeta benyirotememtal disturbances In the last 2 yaare taat have an impact
en tuwnere LAMA

Tie plarting atva ix pot located an pesan andior torwet seneervatian
sm

Ne s0cleernviru mmarstal Wstwbanz es is Ih lts1 5 years iat have an Impact
on terinees centinulty,

No negative mama ar serum reatad 5 barsing 2 lsnd anarmashameat Pn tart
ticating.

|

No gosialterv Pommantal disturtang es Iv Ine lesi 8 years that banee an Impact
on hoenesn antinuity.

Corgtianen with aral adhareoca ta conetrurtin sub-esctar tegulatisea,
Iestudiap: nd es2 #uhta. smpiores oerupstiokat Bealih aril salety.
makro pelhean miring Me Anpact of hacardous menerangi
proserving natural water werme st

Assometodatian Peovidera

No sozisllerivirenesantal distubatu rs is Ih lesi 3 year tiuat have an Impact
an irosiness cantirulhy.

BNI has also #atabilishad a list of
financing exclusiona, as fotlowa:

Srraadin Pepe BIG

0. Pretibitad by ifa goverament
£ Magal legging.
2 Forond latar, Oni enpouitation,
heran rigate violatinne.
& Vislnton cf smenunty righte,
8 Trobibited dy ihe powerartert
dertopirg weraa eritaga sita.
Saw and produstitn of nersatss
Manitartute ad s0 ul waapare
Gersiing and maray Wundering.
Trade # peorecsat animals
Terosam finescing:

PT Movi Pengara Ireke rani (Paruane) Tah

Integration of ESG Risk in the

Credit Process

BNI intogrates Environmantah Sosial and
Governance IESO) consederatore Into siructured
susainabke loan munitoring through Ita Credit
Company Guidalinas (PPI, which apply to iha
Corparmta, Erawrpriwe, Commmercsal, Srnail Mudiuri
Enterprise (SME, and Consumer seymenta. This
monitoring Includes monitoring payment ancuracy,
business prospecis. and the Iinanciah condition
Ol dettors as part ol applyiny the principle of
prudance.

Loan monitoring Ie carried out on an engoing basia
throegh parttolio #waluation, internal audit, and
"echaniseng tar handiing san-pertarming loan,
including restructuriny where necessaty. As part
ct atrangtnening ESG risk overugPt, Intornai Audit
canducts #udits of Gebtare Ihat have ihe potential
19 cause #gnifizant environmental Imparta. During
"he reporting pened, sudits were pertarmad an
IN dabitors in the Corperste, Enterprise. and SME
segmenta, from high-risk sectors sudh 48 the
Piywocd industry, od paim plantatioea. tortilisoru

and nitrogem cornpounda, Ivostock, toll road
canetructian, ranepertation, telacommunscationa,
mwning, and solid/liguidnyas tuwi trading,

The adit is conductad using a riak based approach
Utrough an Audit and Consultation Plan to ensure
that ESG Fakoversight is camied out proportionaby.
focused on priority sertara, and alignad with BAN
credit pobey end "ak managemen.

Environmental Compliance by Debtors
pen ra

BNI strictly managos environmental take in
It financing activities to miigata tne Impact of
chmate change, Monitoring Is carried out based
om Industry riak appetita and risk acceptance
ontaria to prewent potantia nagatiwe impacta such
as deforestation, polation, and tvodiversity hose.
Im addition, BNI raguires relevant anviranmantai
ceriificntione tor pach businass sector, Ineluding
RSPO and ISPO for palim oil, PROPER for power
planta, manutseturiny, and mining, as welf aa
Othar supporting certificabang much as FSC and
ISO 14001.

Ownetahip at Envirenmantal hepeet Menagament Certifmata try Debitar psi

PROPER Get!

In Oia prorese at oteaimeng RSPOSPO

PROPER Diva

PROPER Gesan

Tiwibar Legaity Verifisation Syetern SVLK)

alelsl.
#|e|slslsls

SBNI

Justeirabta
@ sirarer

w

Debtor Assesment Basad
Indonesian Sustainable
Taxonomy (TKBI)

In Ine with the strengthening al ciimate risk
and opportunity disclozera atandarde, BNI
@endualiy Integrating TKBI ae an Improvement
Ya Ihe Indonesian Green Taxonomy (TI within
the Framework of elimate risk management
and muatmnabke financing. TKBI Is used 82
tool 10 Identity the level of sigament af debtar
activitias with ckmata ohanga mitigatian and
'adaptatian goals. By applying TKBI in the credit
anulysik process patifilia meniloring, and
ddabeor mesmtance. BNI encourngos the graduai
Improvwment af dwbtor environmental practicee,
including Ihe preparation ol measurable transiton
plana. This appruach suppurts BNI rendiness
In climata changa mingatian and reallangu,
partculaty In Tinkisg  cimate-relntad risks
and oppartunitiss to Dusinesa strategiss, risk
MANAGATANN, 48 Well ak mwstiles and targeta that
Impact the Bank'4 financial perfonmance. and
rosilience:

on the
Finance

TKBI assesements are conducted In four main
#ectora, namaly Energy, Conatruation & Aaal
Estate (CREI Transpartation Hb Ssorage (TKSI, and
Gertnin Agriculture, Forestry and Orhat Lanal Uses
(AFOLUN nectora, in this case, the farestry and oil
Palm plentation #actore. in line with OJK diracuves,
TKBI assossments ars conducted in stapes. For the
impismentatian of TKBI, BNI provides tocheical
assistance An all aftecind bortowers to @nhancs
Mesir understanding Of TKBI

pndushan

Corporate
Y ynipasjonre

Bustairabitty

Monitoring, Audit, and Escalation
of Environmental, Social, and
Governance (ESG) Risks.. »«

As part of Its commitment to sustainable
fimansing, BNI has integrated ESG dus dligencu
"meehanisene int Its credit anatyals, approval, and
mmonitoriny prosesses. Dabtor and prospective
Gebtor compiiance with anvconenontal, social, and
Woeernance tegulationa ie ane of Ihe main tectar
In Credit disk assessment. Any Indication at ESO
violatiooa will be subject 10 further evaluatisn to
aeeota Ina case, kesel of matmraality, and potential
Impscton the bari» loan guslity and risk taposute.

Daring Ih pencasa, Ime Businase Unit and Risk Umit
Gonidast evatustione in ia foemn Of verification, in-
Septh analysis, and coordination weth debtars and
relevant #xtarnal partiss to assase the impact ot
ESO on fimapcial performance, payment capstity.
ebnor reputation, and logai and reputatianal riaks
for BNI,

The results of this @waluation enabia BNI to
Imetement proporbonete correcilye menwura.
ranging from granting deadfines for improvement.
adjusting financing terms, temporarily munganding
credit tacilitas, posiponing new financing
processea, f0 reguesting credit repayment. Tika
meshanium @raures that E5G rieke are managod
#eNlaMLicalNy, documanted, aligned with credit
poleies and spoizabie regulations. and adhere tv
good governance prinsiplor.

Climate Change Mitigation and Resilience

An a financisl Institution, BNI main impact on clirmate change does Kot cocne from Ita diect operational
activitiag, but rathar tram fnanaing aetivitisa that Indirest)y finance datmore' omiesiana and elimata riska.
Trerefore, BNI manages climate risk as an Intageal part Of inandal nak managemant, Knting ckmale
aspocts to asset yuality. portfobo resilianos, and lung-term finansial performance. ».«

This approach Is reinorced through the
development Ot a Cikmata Risk Management &
Scanario Anstysis (CRMS) and Climate Risk Stress
Testing ICRSTI iramework that Is aligned with
DIK policies and International methodologias.
Tiwoogh this approsch, BNI #nsures that Ihe

rika and opportunities of cirmate changa are Timnsitisa purtlulo dyrsend
Idantitiad, messurad, and managad syatematkcally recording ot Nnancing sms
in business decison-making

Thrsugh Ina centinucws development ot CAMS 2028

and CAST, BNI mirengthene portfolio resiliance, Waselina & toundatian strangttarang.
supports nationsi NZE targats, and ensures that Bcope Land 2 emissiona

Slenata #iuk 0 ayateenaticaliy wernailaad in Ihe
company 's sirategy and risk management.

Tie operational NZE target tot 2028 focuses on reducing grsenhowes pas #misalong feorn BINTS opecamonal
activitins for stope 1 and scupe Z The target Is set with reference to the 202) #imissions baseline as the
base year for caloulation, Maamatida, far oparational e20pe 3, it follows the NZE fmancing target by 2060.

Climate Fisk Managemont & Scenario Analysis (CRMS)

BNI has devetoped « CRMS framework to Identity, siawsn, and manage cimata change raksa and
Spporlunities that couid potentially affect ita credit portfolio and Iinancis pertarmanca, Tina framework
comprisee four main pillara: govarnante, strategy, rak menagemant, as uli as motrita and targats, as
taforrudi to in te IFRS S2 tramewark.

Gavenanea

Cimnate rak menagememta under the Emiranmemtal, Sosial MG Ohvision in setan
with Ore Eaterprite Flek Managamuti Diveion wiih weersight by the ESG Sub Committee, which
18 pari af te Risk Management msi Art: Fraut Comnitira aed ha Board dl Commissisnan In
7034-7014 NN emengtramett ira ESC organirabonat sirustine by devalnpang the prgemiratios tram
2 daparimart iras a divitinn and xiding wark usite 12 tuppurt mere in- degta art mingratne siamata
ek menagumart Mocitating is sriled out perieditally, and the results are raparted Io Wa Boer
0 Okeernsrs ane Maan cd Commismosars tur stratngit ae isor-mating

#untegu

ne et mrategp UNI patitinne Itam aga tranmikan partner tar dotrisee. nat maraiy 3 Kranang
provider. Through awt 2026-2015. DN Increesed its advisary role to delturs ihtough various foruma
and #ducatin rai pragrame. Ingmating DEST Everas and Indonesian Sustanabie Finance Tarenomy
ITKDII worketops, pertisanart tor high-emesian setara Sara ae mnargy. This persaaan ta
#nesutaya debina 2 dnvelop tesaition tpadmapa Ihat ara in Jins with yoveramant polikias aral
Indonetin's NZE tarysta, In 2025, ON becama the Srat bank in indonesia to pubilah me adviany
ptaybuok in the Pair Ox Mantatian secar, ana guide ter dettar in Imglemesting gneen transitien.

Pawtamakdiy Kapas 2006 AN
reva feses Te Mad

3 Coora pndushan
Bustairabitty Y ynipasjonre

SBNI

Justeirabta
@ sirarer

Mak Mannganaut

BNI indeypaten «mate sak ints ita ria manayarmera Iramewuth Pesugh.

& atrongitering rak secentane orneria INACI Dy #eerponatihg asperts ole mate change mngatun are
#Sptation, Ianan ngsta and Ocriaratorak Seat an eatety

«mapping bigh-emimine sertura and regaating sapssute thesugh Ian expocu lema (LELS

& ratualy tnpiomariing TEBI is tbe anasyy, AFOLU, canetrustian & seat catate. mod tranuattalisn &
leyiswca sestura,

" mutemarting CAST kar INA arina sesi purtkika 4 pena (ha gas of siemake shanga an BAEa
"adi perthska. and

& mrangihening bushiess cominuty manmyemwat (DOMI to retigata DRS Muka dut In Sain
deaeen

Metrice and Tangata

BRI corgaues 1 mptova ta GMO meiaslona memurament. but cperatanal and Ainanzing. Since
24, BNI has been NAY Impinrtartng ibe PCAF metbodokgy and sapanding the so2pe af it
Nnancing #enissione caieutation to cover Ie majority af Its preductivs loari s0gmerts. Tha renuita
jt Mare memuramartr are sand 24x basir toe portiska menagarwant. setting NJL Enanting terpss.

4 munderng doktor tranerun perfarsana.

Climate Riak Stress Testing (CAST) - -

Ae part of tho implementation Of Climate tak
management & tecnaro analysis (CRMSI, BNI
Goriducts cirraata ilek virees testing (CRSTI to astese
(Be resilenze of te fmancing pertlobo t0 physical and
Pengin reka reKulting from camata change CRST
naas BNI to Identify te potential impact of dimata:
riak on dabtor performanes, including a dedina in
cash fiow an Incrwase in the probability of default, and
In impicationa for asset guality. The results Of Pi
analysis oro used as a basis for antidpating pressure
28 nen-paroeming loan ratiai, laga an rak Lati. and
the ndemuacy of Expecisd Credit Loss (ECLI, Tivus.
CAST piays an important ole in maintaining portfolio
resilarwa, capital etatilhy, and the suatainatiihy ot
BNI financial performance In the kang tera.

In 2006, CRST BNI covered the sntire loan parttalia.
Stress tesis ware conducted In acoondonce with th
CAMS guidelnas insued by the OJK, whlsh aloo
adaptad the Network for Greaning the Financiat
System INGFSI seenarios. narnely:

«Net Zara 2060 (Ordarty Tranaitian)

£ Delayed Transitian (Disordmehy)

Current Policies (Met House Warldh

The #ransitian risk snalysks in conducted with Ihrae
Hrne horizone, narmesiy short term (21628, 2006. 20271,
madiun term (until 20364, and long meri juntik 206MK.

Srraadin Pepe BIG
86 PT Beri PepgaraIreke rana

The siresa tast covers credit, market, operational, and
Iguiskey riaka. The results of 1ho Climasa Risk Strase
Test (CAST) show ihat Ie Net Zara 2060 wemumk
Pas tie most signdizant impact compered 10 okhar
#eenarisa, WN Ie #iscorciin gas, ataaruhet wati,
and cooiing sector Deng the met affestat by
mata risk.

Mearmbile, pnysical Nak analysm was conducted
trrough streas testing af produative loang in the
agnoutura foreetry. and fisharias soctore using 8
forest re sownario, ag msi at property oweserahika
(osna using a flood soemario over 2 one-year time
horiom. The twat retultu sncawed that The Moe
#enificantmoact of ghysicat risk was on the Oroperty
ownership kesan portfolio.

Mperational riaks due to potentisi Rooding within»
Oha-year ima barisan In Ine 2075 propeesom we
#stknatad to anpaci 160 of 1789 aperatonal offices
ILK) located In arana with lh food risk |IRSI valua
2 185 In terma of Iguidity riak, tha resuita of a ang:
moreh dress tnst show that Ie Bgukity coverage
ratio rumaing above iha regulatory ruguremen
INGONI. Mearetila, Om Impact ef okmata rek on Ie:
Market Hisk ATMP for mavements in the ratings and
vieldu of govermment and corporate sesurites shows
lw kargont dnclise In Ika 2030 Nut Zero semnario at
02

Ovetat. chenate tlsk Is projectad 30 Bawean Impsct on the Capital Adeguacy Rata ICARI in the kang term.
Wowever, the CAN remaina within the Bani is capital adeguscy limits, reflecting the Bank 's capital ronilance in
faang the rak ats00ntod with cimata change

GHG Emissions Data from Financing»...

The cakculatian of GHG #misslons frorm finameing in 2028 covarad 2064 af the produetive loan portiofia,
consialing ot the Corporuta, Enterprise, Commercial and Retuli Prodtuctive segemantn calculatad uwing
the Partnseshilp for Carbon Accounting Finansiala (PCAFI methodology. The scope has narsesed
sompared to 2024, wtuch only covarad 70-31 at the productive eredit parttalia.

Finamend GHG Ereisntons by Assat Ciana

Ctewe CAK ETIL TAI "inancnd Kentealar 2874 (Ton CC),eal
Gasineer Luma sean HATE
Proyeet Finance yao JAN AtI
Total esana erna

GNG Emmlasiuna ttam Financing Activities tir Loan begmant am sxn ca dan ex -eena Maan.

Ootstonding Ptafand 7025
Ap bikin)

DIN
Lewena 021 Lan 22091
Coreamia daan “at Yah AMAN
Total sg anon naas)
Mesail Prudustve om 1zana7a 2190514
Gran Total #1 wanna INA

Outrtamding Piatamd 3324

Rp hiliani

Pentersing Induseny tata 21.23, manga
rasis ian Warta 1713
Mining & Catoration nia ayantat wu
Tarsgerudar,

Taneportarion ara Matt ton,sa3
Support & Warmanveng

Hloctrisity, Gas, aed Water yaa TEMAN 2415003
poweeg wes am 1209207 Mae
Haa Entane z0 saj 1.043
Conevurtion tosas1 AOA 2ta08
om 13 BALL Jane
Totat Lana aa 9a1 yah LIL

AI BNI Yustsiratia » Corporate ap "edan
ro #iranei Sentairi md Pasjrenta ar

Soorei sma santana
Score 108.29 rana
Soore3

Seed sn. 24704012
Sotret

Total setan sa sat.tad
Environmentally Friendly Credit

& In 2026

Cards sesi metana

Thausa of ericonmentaliy irisndly matarisia inthe
development ot banking products Is part af Bank
Negara Indonesis'a commitmem to supporting
Wimate change mirigation and Ime appication ot £

ureen banking and sustainatia finanes principise 25,310 56,030
"

r f 4 h
This approach Is cariod out through ihe para Lang

managarparit af the anviranmantal Impact af 1he can bt
produst We cyeie. meluding Ihe selection af more

teaponsibla materials. This commitmontis resiled 101.2 2241
through product development and collahoraben Wecpriea Mane Nveyrind Pasti
with #tralagic partnees. One ol which mM Liwosagh tie Vekuma (Kg| vote Kgi

iesuance of the BNI American Express Vibe Credit

Ba Gg
#astic materials. However, BNI doee nat Pie diy

This Initiative rufiactn BNI atfaris tu Intagrata Telat Carde Vaksin
#hvitemmental seheits Into product inecwetkon, Produsedi (Pee Plasti: Kg)

In line with he applicable sentainability and uu.

sorporate governance policy tramawark. Lana matan Ka Pat Kn Nan 0 ketat mata at ara aan

Wana MISI sena Wi rapat memrma. Aensngy, 18 vahena
0 moga yuuk: In salinan hasudi wa Ti pesta 4d Awali sada

met onta etetan eiaa mata Haryanto md

BNI also offare the BNI WWF credit sard, devotopod in collaboration with World Wide Fund far Natura
Indonesia (WWF Indonesial, Tirough this product, BNI Taciitates customer Indirectly partkipats in
santributing to comservatian, restoration, end #corystem and biodivershy management ptograms In
indanesia, hy channeling 2 portion of customer mansezbon fesa (0.44. sharing fes) to WF Indonesia.

Ewowummentaihr drimudly Crndit Garis

New OF

Lalu (Ap bilikar

2010 PE

man

PV 24 Tergat PV 28 Target

Kaslizatian Lt Mashiratimn ai
war bata) an MAIN s2419 sets uya
Arvan Vita sat00 6193 na 2510 a10 mn
Tora ng ” "7. ah Lana ny

Swiresad B1 eps 3G

P1 nan Irekevania UPorwane) Tab

CORPORATE

SUSTAINABILITY

BNI betaver that sretainability cam be sahkevad If Ihe company operation are maragad Ina dinciplined,

3 adaptivu, and reapcosiblo maneor. Therafora, BNI sontinvausiv manages anargy and emissiona develop?

wummnabia operational pracilosa, and encournges mmployes aciive Involvemant in mplsmanting 55G

“. ptincipies. Along with strenyihening digital services, BINI also snhances cybarsatutity and customar data
3 protection to enure atw and reliable Oparatonai sustainabulity.

N Efforts to Achieve Climate Resilience
Material Topic Management 1

M. Tople Mi

Oomata perihanee managamant ina sirntngir memtua far UNI green Ira climate change har ta
Fotential 82 aftart the Bank» business sentairallity. intagrating Fiimata tesfianco sapesik intn
Ika Batk's atatogy end cgwatione enatie BNI to enhianee tak management and support He
Waasitlon 40 8 Iga cathan #oanOey In bae it the namanal Net Zera Emissisa INZE) commh ment.

management

Okrat Senge Lauren impacta in Ie farm ol patential serve diwuplana Our to erena Wana
wat 2 deci ne in ttve petisi cf ptwescal intrasiructure and tataran terhnalegy. These candtians
0wa have mpkeatoan tar renang maietenanen and Operabanal moLwany Lah PErBrURAy Par Oka
sewa ari mappurt laiiten in arena Dot are perna to dirata change #ngasta.

(TV tates advantage of Uhese opsortunilkes By Intsgratng Girsete rak managemen? inn it babon
Seitian- making procestms. The inciudne #rargy atfisancy and #mrtin redactian in Iss Operabone.
which bo provides cpp3tenikies to Incrwaa coat iTisimney end reduca tika Dari carbon foot. in
akikon Pe dewalopmei af dataran i DNTs opsceore and servcen prowides Oppertures in
Setgatn areng cimate maka.

WN a comentisd M1 mpporing the mehievermeni af Nat Zam Ermissiora INZD by megrating cimaan

#eailence manayarnant Ino Its speratora. BTA Imah cotrenlimasta Indude.

& Kehieving Net Zera Ermareian scoga 1 and 2 targeas by TI26.

2 Gradonli awpandirg waste management barad on Ae Denagia SP am wanna An San! ta al
ani tepetnhrarchaa.

(AMMAPEANN « Ceparding Live acoee ul DNUS waste management io cher mania calegories.

Opening meerup @iclency pragrama 9 AN etcma.

Tin target sign wtit NM ESG madrap aed the Sirmtananle Pnanoe Atan Pun (SAPI

" apporing dimate resilenen, NI has metatiahed ani elememneg varisus palcies, eturtng IESG.
PERASDI
ESC postes ang ros6rnap Uhat insta fiorus 8 peduca grsenhouse gas enissiars and KPD Be
Wanaikan dor bu umeaa parinan
& Trergy “ifimnerand em mine managarart ola me wtian im ecopa af aperatiane Wnisn reherta
1. Pemeiina tri Elfiianey hnglemeraatian Ns, JALR.II9O:
2 Pruriworean Liynting and Rose Coaling Ehisiency No. JALATSEA
4 #rovtore an hhe Use of tnwerser Ai Gonditioners toe Reorisity Cost Efficimnay No. JALAN
2 Warta management pakey mein Hm apa 8£ regional aral ramen SfKer mparatina. weh safe
Iv he Gtasdart Operating Procedure IBCPI tor Sok Waste Manapeweni is Meghinal and Ibaneh
tiens Na MSOANIT dana Oerober Yi, 206.

Okatn tesikwscn manageawt and erekartion ara under the diectia aftne Board of Oirectora. win
Dewata under iba Bang ol Camenismarat. Osram resiiwxa managemen (taat It bp ba
Trwborwsesi, Becdal ard Gowernesce Diwialan wili sport rain selatedunka, tech as the Oyerasun lah
Magersari Divwon Procuernane and Fund Amnets DoWsian. and Natmorus Serwon and Okeributkn
Oneven. At the peratienai kevel #eauatain & camed Ost tarnugh mariterng anergy CoseuMPiian
rantai Me wirsata ox well comet imgiermertatian ef snanyp alKdeey pengin in ak BNI biksinga
1 and olMees. The ewatuatken renutts kum de basis bar rmunroving Ine Bang» resikance ta sortasi rd
2 terg-term dimata rika,

x Setanahin Repari 2G
PT naa

ASBNI Ke UN Oa —

Decarbonization Strategy

Energy Management 1.» ».«

As omt Of ita sfkoris to improve Opsrationet
anargy affideney and emissione reduction, BN
Impiaments various Initiatvas as talieaw

8 Inplamanting the Earih Hour progeam by
turning Off office Ights during lurah break
N200-12001

Partkipatng In the #nnual Eartis Hour event
hold every fourth waek of March in ali BNI
attisos

Optenizing the use of snergy-efficient hghting
in Grha BMI, Plaza BNI, Gedoong BNI, and
Manara BNI,

Retusing chiller opetatim On Seturdays and
Bundays to raduse anergy conswmptica.
Inplamanting magaetic bearing mehnalagy
In the cooling system of Ptazs BNI and Grhm
DNE 20 improve energy afficiancy by reducing
machareeal tnetion

Utiltsing renewobie saergy bv Iatalling P6
tolar panala with a total capacity af 2040 Watte
# # powar souroe fot amargeney star at Pinga
Dn

Instaling solar panelis on the BNI PIK 2 Buliding.
WEh Aa batal of ANN unite with & capacity Ot 280
WI.

Roducing amumana from businase Irpe by
shifting cooedination and mestingi to remote
communication facdibes Itelmconferencinyl,

Peeryy Cenaumptian and Intansikp 1x3 zaz

Energy rom Na Renewabls Nentarses

« Apolyiny anvironmentalty fnendiy building
dengn prinopies 10 the BNI Tower Bulding,
Plaza BNI Bakdkng, and PIK 2

& Planning the appikation of gen buliding
principias in Me construction af the BAN
Buickng in the PK Z area.

Tiwoughout — 2026, energy management
O0timizatom resuttad In W reductian In BAN
Operaborai eneryy sonsumption from eleaticy
Isoveraga Zi to » recardad teval of 655,104 Giga
Joules IGJI This #ebmevorerit Ir Hse wwtih het
Strengthening of Ihe gteen buliding concept, «8
masked by the Graen Bullding Gold cersifiratian
for iha BNI Tower and Gresa Bulding Platinum
bertification for the BNI Maca from the Grean
Building Cownsil Indonesia. Maanwhhlis, zhe BNI PIK
1 Buliding has obtained the Landerahip In Enmrgy
and Environmental Design ILEEDI Green Buriding
ceriificasion trom the United Stater Green Buliding
Council (USGBCI yeh A Gold lewat In the Buriding
Construction category. Howeves, as Of he end of
2025, BNI has nat calcwated its nan-nperational
ANAIGY SOMBUMPILON, 0

Use af honl Far genset an sae of

@loririsal energy In BNI offices anus BINA 35an Ora 100
Indonesia @
Use ol tusi far overtand bemnera
Piasntawlanfowcnrapeeeya PI 3san5 nana
Energy ttom Mentwatia Resources
Use ol electrical anergy tros sotar panai & ya yg »3
Total alectrisity sad teal se1 s2 anta yn..
Inama Pptilian ta us 22

Simo
Energy #ntansity to Incemat 4 En us ug
uv
Katosutuns memenuhi EN LAS Ye Bai mrargn BALE. GL ba mmg wa
The shows hprenig dan nike enanosal ola medis .en Pp bahan

bana makan Rapat RI

31

"Tawa Megan waarewa (Perwal Tah

ASBNI Oa 0
GHG Emissians Management »

BNTE mmissiona management Is supported by
grsanhousa gas senissians caloulatisna that have
bean carlad Out In stagas and on an angding bas
since 2071 The inain focus of this approach &
muthodelogical comalatency and #xpassion of the
scope Of measurement 1 Ina win Imerowmanta
in data gualitv, Scope 1 and 2 GHO emissicns
taltulatisna have bean cariad out regularty, mad
#ncr 1011 aye been sxpandtd t0 Include Scope 3
GG erniasion. In 2025, BNI cepanded tha calodatian
af ita Scope 2 Catagory 15 Hinanced amisaloral
portal cowaraga kam TOA In 3024 to Y05W of the
produstive credit portloliu, conerisingtha Corporate,
Entarprisa. Commarsial, and Rata Productiwo
segements. Ttva mepanaion resulted In an increase In
"he nominal amount af BNI fnanced smissione,

pndushan

Corporate
Y ynipasjonre

Bustairabitty

In addition to strengthering the culculalon Of
#oanced mnissians, BNI has consissantiy managad
#missisas arialng Tram operationak actslties and
besnasa travel, Scope 1, Scope 2 and Icope 3 GHG
missioos from busineea troval totalod 181.645.317
(COja. mpresenting & & 3x reducson comparad Ia
tie pravicus year. Mearwhils, the reduction in Scope
Hand Seopu 2 GHG omiasione In 2018 campard
to Ine 2073 Daseling resenad ETC. GHG amisana
Intansity for Scope 1. Scope 2 and Soope 3 business
travol relative to inzoma also daclinedi tram 3.00 101
CO,8Mp bifion in tha previous year 30 Z8 ton COjwi
Rptikan,

Oreanbouse Gas Emlssiana Omneratad
Sain
semat

Live of fusem Breidonya 11067 Lan unt
Useottrean Ton OOma na -.. KIA
Vu tor apere3anal use Koni 10 ynran
Sesei

Tebakan man Sang TenCore RRI aman Taoa
semai

Duwaess ai travet ga 8867 19882
Oreiand busnasi vmel 10 EMSI 41
Ninancing emissicos TenCDou SAMALIAG IKIIAMI Z07IRING
GG Eowlssimna vi Scope 12 Merma — masata memo2
Total GNG Euisslons Maine mana maan
wogne Paiton ta3 “5 7
Sasana aa asa LAN ma — sa -
nanas nan Oman an ang TE Ter yan

bit
Inteasity of batal GNG meninakan lacepa 1.2, AA dn PEP AA

inosmat

..
pen arebaam
D Learn Karaan An taa mem arwan Ia maan Bapa

- merata an Han

an POT ana wa

Yadi Ine and of 2015, BNI has nat caleulatad sir podlutant arm salara othar than groanhouse gases |GHGI sach
“ Nitrogen Oriwe IND! and Sulfur Oridms (SOxI coridering Ihat ihe nan nourtas at Ihese emnismona da
"ot originato from BNI'S operational activitiea. On the other hand, as  mmasure to control the potential Impact
01 the ozone lnyar, BNI is graduaty reduc ing the use af egupment containing CNerafiuorocarbom KK.) and
repiat ing AWeh (norak we otenenkahy Inendiy tecmnologiss, nduding Imerter air condiboners. ka

Serah By Meperi 2G
PT Meri para role ran

.
32

Environmentally Friendly Banking Initiatives
Waste MAnagaMAN 101 201 0x

BNI manayas waste based On Ih claseification Of salid wastt, liguid waste, and hazandows waste. Solid
waste managemantat BNI foflows the Zero Waste to Lamatili (ZWTLI coneept through the appikcatian ofthe
(ettuos, reuse, and necyeta IIFO primoiples. Tes prograen Hn cumaniiy baing Ingkermanted in five BNI Head
Officer as an initial step tO cptimizn Ihe recyaling procosa for buliding waste and reduce direct dispcsal of
waste to landfillu. As a basi for mpsmentabon, BNI has amiabliinad Said Waste Managemani SOP that
Apely to Haad Officen. Tha axpansiom af the program to Regionei Ofticas and Branch Ofnces Is pianed
In stages based on the results of implementation evalustiana. The first phase of xpansian Involves
metablihing Solid Waste Managamant SOPs far Ragi onal Otfices and Hranoh Officer in collaboration with
waste banks, MSIMES, of wait managatrant vena.

aa  - ID

Orgaric Waste ar
Lu
Inorparic Wasts 22811”
Orgare Warta "8 yoga"
Inerpanic Warta 1 1003 atas
Reridus Warta yA
pemepsan
kar ena masa atalai Arena
(men ai nenaena

“Data pastnd Lnnearp Moveubas ita
sitem pasa Dangotas

BNI Imglementa sold waste management by
roducing waste: 20urcse, particulay plastic
puckaging, and Implementing tecyeling processas
using methods secording to 1he type of wastm. Organtn Woeta

This management Ia supported by 8 sorting Dompanting daa Dasa Gotiisr Py BSFI wentinari
Infrastructure consisting ot Umee cataganea ot

waste bins. for organic, Inorganic, and residual marga Weata

waste, ae wet ae atrongthaning employee Mecvering piucese arcording to waste IPO
uwaranwss through campaigne to reduoe tha use

Okamtic Merutusi Warte
3 mana Uning Nafzan Deretan Furl MOFi tetnsingy.
Lavich wil! ie 20 pro cessed Iran altersutiss

Pama mobi Bapa DR
rewa IPersaei Th

ASBNI Dai
Velure at Rocyoled Wasts (Tani pes

Nya 10 14 101e wa
Orgonie Waria Inergari Msete — Nesidusl Warte

pndushan
mu Ranjarnne

Corporate
Bustairabitt

Papar wasta & specifioaty generatad fram two
activities, Tie first activity Is dally operationa
Im five BII hood office buldings, which are
tonsokdated with Inarganic waste data The
second acilvity Ik papat waste Itam. past
urehivo dotumenta that have paated thair
retantien period In arcordanca wah appbeaie
regukatiora, Paper waste from Iha second
activity Is presented Is the Paper Waste
Reeycling Vobumne table, Howevar, in 2025. thera

we3 10 need to recyce archive.
Wu “|On petak Dnantar tbt
Meanwhile, harardous waste (BI wasteh Ws
managad through esoparatan with hcenead trord- Votumve uf Revpeied Papur Waste tur

Areblvoe (Yeni ae

204 ato
"5
By rnplementing waste manage mani preciioes, BNI has avokded greerdouse gas #rmisarana Mal converanai

disponal methods wouid have othrarwise genecated. By 2025, this initiative contribused 10 amisaiors avoidane
Ot SEA borw of CD ea compared Io 8 #eananio wilhout kustmnabile waste menaati

Wator Management ii xx.

In Itu atiios aparntiona, BNI uses watar for domestic nude, moch as sanitary tactitias, gendan maintenance,
and other sepporting sctivi5ies. BNI does not withdraw water from springs. as Its water sugpiy comes tror the
Regional Water Company (PDAM) and a imitod usa of groundhwaner. In 2025, tha total water conaumptian at BMI!
Head Office warenaa troen PDAM was ecorded at Ita 661 rn Due to Ie nature of its opsratione @hich do not
Prodorw Iazardous suara, BII does not comdust #tlumnt aualihy testing. Virkows water ##ficienoy Irtkii ves
have also boenimpismanted, including the use of Sewago Treatmant Plant (STP water management technology
In iha BAN Plaze Bukding and ihe BINI Tower Bulding, watar sonervatian campalyan, Ie Imelamentatian Ot
(espontitie wirter use practi as, reporting Of Tautet saka. send ie use of trwabed werter for wataring tantm. BNI
total wates consumption in 2075 was recordad at 1,481,567 mn. coveringtne Hasd Office and al firanch Officer.

party service providera, with a temporary storage
mmechaniurn at desigonted hazardoua waste storage
taciitias prbor 10 amumi collectian. In 2095, the
olurms of hazarduus waste yenerstad amounted
ta 1.085 kg. This harsedous waste data covers only
Plaza BNI, Menara BNL and Grha BAK bulidinge.
Information regarding wastewater management Is
presented in the Watar Managamant seztiom. » «

Wnter Usu Votutna ara

sun .- an
uad uffira nett yag ana bera
Bagio aril branch ulaea -“ tiagang —— tannope— Legaan
Total vatuma 81 water una Uariser —vanza”——Urana
Tntas eraponyase Umpiner nam 2m nan
Intonsity ef annual aneenga vustat van maa - 1“ "

nm

bong jarenbenitambseiBAN Sanjana

Setarahiny PI
PT Meri para role ran

Efforts to Achieve Operational Resilience
Human Resource Strengthening Strategy

Human Resource Development Framework

HW considurs Numan resource development to be 8 struclurad, continuous process desi gred Iu angure
Ihie avallatslity ot talent to meat carrent and future businewe needs. AMI impismerits ah and-te-end human
Tesource derelopmant framework, starting with the estabilshmeni of competency standard a8 the
foundatian tor career and talent management, followed by the etrangihening Of career pattarna and pache,
rod talent mappang through profiling and assessment to #valuste capacity. potential, and rute readinesa.
Baned on We results of Shis mapping, BNI has satabiished & talant pool through segmentatian and than
Implamanta devalopmant programa based an Individual Develapmant Piane (IDPeI to prepare talang ae
kox.cessors. This enlire process is supporind by continuous evaluation snd Improvement to aura Ihat
Talent develepmant remains relevant, targeted, and impacttul far the aryamzation.

eartihratio Pertarmanea
Omeetap ment Pegangan

BNI anducts absctred BNI conducta Talma BNI csi Teler Porsi BM imgisrnarta ntagrated
Anlent ksentifcaticn tasod Piring & Atsesameri — Segmentatan Mrouyh lmlert — serformanze managermern
20 sirategit busnesn Woampeshengene mappany that megrates. #Pesugh graal setting,
neade. rab predisa and map tatant tenang 21 pertormanen and mpasiiy ts montarag and penadia
c01povata wakuns and perlermarca,tapasiy —— diterinsa talund categotian — swakustkon ti samuw Mat talarg
tur. This procass (ompetenas, pinerital and drvelopmeri priorities—— develepmani hasan anpact an
# erangthaned ey and role madineas The eweloamenticarried sut —— pertormanas and surression
sempetenay atantada ——— prafilng semultn ara (pa Craste Imparrat senfiran Fvskatime
and job (enikes to deli 2m abinctve basis Evaluate opzie to wrsute we tordusad Ivsuga
Anlont raese dearir ami tut drimmbingiment Ihar the aregram remi Suttowe merem and
#oneasantiy aereen sita with high pendismneti ——— relevart mtimpucthd in Sta — smpismentatim denbaci
Inadidikan Tulara Career he pesjeotad Intemure —— Crnste stage, Oa program An erure hat program
Aretitacture maures iratngic rates talent Ihat Is designed based on Putary pemain #wevare targeln,
Inai tateit store raman remairas capmety Bukding. — sarmpertaney Tema an and aiteciva Evibumane
mean aiged mi nd talark that #penparad future plarwmani targeta ai Fidinga beres the begin le
tavem pati aed dang: in NI stranage peshtiana In Ihat develapmentis mare setang megan day and
term career devalapememi the medium Klang tmn. focused and un taryet Mx Ine Ungfemernatikr An Cwe ment
#rartora Ioglement stage. the prngram ceria ewelanprniding
in satied out in magen ingat bor taher vevizma Dn
Muwugh IOP4 executive sg dat takar Prog Kol.

Iesrnng, pergamanta, and erganinrtimal mede ang
arholarshipa tv airmsgihar —— diwwelagrnant prioritas in
(endarzhik, business sad "be nget denifcatun and
Mak ampotilnirs, and dipial —— #rofikrnp mengais. Tenun, inlet
tompetancise mitha gatal management rara mdto-ang
perapeciive. This stagu ia the Ine matahebis medadastire
tote Of Telesit Dowelopmartd — manirerih #rapanania
Gurtesean in eestematitally—— Susinees denaman.
prasaring turzmenet

Bamamakidiy Rapat BI
rewa IPersaei Th

MBNI naas
Talentidentification and Profiling

Hurnan tesouroe management Mt BNI I0 catried
Ou1 comprehensively with tefarenee to the
Employee Value Praposition EVPI, which tocuras
08 employee contribuban. Isarning and growth.
Wurnan capital policies ara implemented In an
integratad mannar throughout the mmpioymant
Cvcle, Itam the recrultnwnt process to the set cf
an ampioyes's tenura, in order to support talang
mmetivatian and retention.

The #eerultment procesa at BNI Is conducted In
3 atractured and objactlve mannar, taking into
notount ihe company needa and the sultability
of candidates to the company's valuas and culture
at part of ita taiant pipeline developmant atratagy.
The Initial stage begin with salent identifcation,
which takes into account historical performanoe
record, performance evaluatione, and academic
and mon-scademic athievaments relevan 10 the
company 8 noeda.

Anterwarda. BNI performa talent profiling as #
fuflom-up step to eetabilah a comprehensive and
mructured Individual profile, TWa process rateru
40 charasteristics Ihat /aflect Im #eadinasa and
wultability of talent for the organizetiont needa.
including lsadermup guahbas, work competancsea,
medium and long-term development potential.
rosdiness 10 take or moro stnagic oles, and
Comment te Ia argangatian.

In supporting talant availabilty, BNI has
sollaborated with landing universitiea such me iha
University of Indonesia, Gadjah Mada University,
Bandung Institute of Tecmnology, and othere to
"ecruit frasi graduates to besome proapective BNI
#mekayeas Ihrough Ine Assistant Development
Program (ADP) and Officer Developmant Program
NODPI rerruitment pragrame, The Internal OOP
program Jaa path (or the development and
Promotion af intemal ampivyaas. BNI alsa
participatas In tne Joint Recruitment of State-
Ownd Enterprises IRBMI coondinated by the
State-Owned Enterprise Supervisory Ageney.

(0m

vedambun
Dm panyansa

Corporate
Bustairabitty

Juni Rantutmmset ai Ptate Owowt Eimerprines
43 onsinyeer
For protasslonais and Sreeb prada.

BNI also offora internship apporturities thrcugh
BINA BNI for trauh graduates, Ine Magenta program
for final samaster students in coaboration with
the Ministry of State-Ownod Enterprises, and
(the MagangHubs program In collaboration with
the Ministry of Manpower. These program ar
designad 10 provide practical work experience
and sirenginen professional #kilkk In the banisng
environment through an on-the-job Isarmng
approach. Throughout 1025, the BINA BNI Proyramm
was mianded by 3.463 participanta. the Magenta
BNI Progrars was attandad by 403 perticipanta.
and the MagangHub Program was attendad by
ATK partisipants,

NT» talant pipaline program aima to idantily and develop potential ermployses ar future Iadera. it in
smplomantad In as Intagratad manner through performance managarant. talent rnanagamani, and
muccession pling, In this ptocese, INI upholdis the principles of Inctasivity and diversity by ansuting
gusi opportunities fur al eimpinyees and candi dates wittvwut diseriminatico or any basis. Mare detalied
sntormation about aech recruitment program Is protented In the 2015 Anrwal Report, which 4 pubitened

sepatatety tiorn this report.

Recruitment, Retention, and Turnover

In 2005, BL rocordad 1324 ampinyase Jatt
Uh company tor various reasang, including
resignstion. To mainin the company'scconlinuitv,
AN manages ita human capital by implemsating
varius etantianettaris Incdadingthe management
of healthy industrisi relatiora, ih providing
rumuneratian andi benefits aecording to Industry
practices, 28 wet 2x ceempatancy davetopmant and
career advancemant opportunities.

Recordingiv, BNI atso reviews talent recruitment
10 ensure the Beni's sustainability In the form of
analyzing peojacted worktorce reguramenta. The
projactiom unahysis In preparad tby considaring
employee tetswment plan, businssa and
Operational strategy dynamica, and estknatad

#mployee turncrwer tate,

Na»

BNI uses ihe employee turnover tute as un Indicator cf
workforse tatantion. As of 31 Decambar 2026, tha turnovar
rate Wirid At LN, relativalp lower bnar he medustry
seraya, reflecting the consistent implementation of BNFS
stratepes to enhance employee caperience. To maintain and
further srangthan retantion, BNI continuse te raintoroe Ine
Implameantation of its Emoloyse Vahus Proposition (EVP/ as an
fftort to build a great place to contributa, laarn, and grow. This
IN sehinved Inrough sirengthening @ orpanizabon cuture
that fosters coabotaton sad productivity, mepanding saraer
devsicoment oppertunities, pronding competitive reward
wd recogestian program, aneating & hestny and produetive
wotk @rvitorment, and pramoting #mpawering Isadershia,
Iherety sustaning empioyes engagement and continucusiy
tedacing barber bewale.

awak Kapat
OT ha Megan waarema (Perweei Teh

AI BNI » Yusrdinatia Corporate ag "aah
SN Firanen Buntasnabitty ud Ranftena

» yan 610 Le - ba yna no
1-40 Year Ea 1 2 » ” ta
2 St Yama 1 « “ ' “ 7
Total 199 ” 1.39
Compositlan at New Empisywes by Operational Negiama and Ganda "1
ma 2123
Hug
Mal paneba Mate remata
ya ya “- PI
Kagansi Ottar I1 “ ” 10 “ “ n
Ragianal Otkoe 02 9 Ea 3 ta ” 1m
ayansi 0110233 2 2 8 7 8 0
Maganal Otir Ok 1“ 42 7 n “ Ol
Raganai Oftan 5 . n” « ” “ ”
Ragansi Oflise 06 15 ti 1 " n n
Ragansi Ofoe 9) » ” " 1" " 23
Hagangi Ot Ok ” 1 14 “ taj 30
Bagan! Otfon d0 Pn 8 a 4 1 £
Raganal Mic 19 “ “ 1s “ " "
Regional Otiice 1 4 " & “ 4 10
Nngangi Otika & “ ”— , ” ” ”
Raganai Otto M " 12 Ka “ “ El
Ragiana! Ofce 15 “ 3 8 2 " ”
Regional Ottice H4 # E 5 : " 10
Magangi Otika 1? w ” " “ ” ”
Ragganal Off td " 7 £ 1 “ “
Ovarstas Draneh » 9 ' « ' 0
Tata 11 Pl tan
Camposition ad Empinyas Turrewar try Aga Ciruup and Gamiar ae «
a02 rod ey
Mate Female Mal femai
«MW Yama " 1 " L) ” 100
1-49 Yente Ka . Kai na ” beli
» St Yam 2 3g ma Kl 103 3
Toral 1 - 100
us.
- “ tom merasa prana pama

Srraadin Pepe BIG
PT Movi Pengara Ireke rani (Paruane) Tah

Cumposition « Empixyae Terpewar by Operatiumal Ragione and Gerdut 1»

Hang Oftite am "“ " " Tn “
Ragiansl Of 01 En 2 “ El 2 1
Magjans Office 02 El ET 1» 4 2 7
Raganai Otfor 03 . “ - 3 » ”
Haganal Oia 04: ti ” “ » ” ”
Ragaral Off 08 n “ " ” " En
Magianal Office 06 18 “ n 1 n 1
Magianai Ottioe 97 » » “ 1 ka

Waganal Ot 06 » “ . 2 1

Ragyarai Offon 98 “ “ - E P3 2
Magansi Off 19 “ j 4 1“ 1 2
Magang Ottin H1 2 “ “ “ 1 Kr)
Heganal Oia t2 ut - “ X 1" m
Ragiansi Office 14 1 “ 1 “ 3 .
Ragiansi Office 15 2 n 1 1 m 3
Magna Oftce 9 13 “ 4 $ 5 ,
Regional Otto 1 2 “ El w ” 2
Regansi Oilica 1 2 n El 30 n En
Overssaa Braneh ) DO » 0 ' 0
Total nana bea ve

wu.

px “ mu mesin sy

bartamakatn Rapat DR
PT IA Margara waturena (Pawan TAK

Sustairatie
D firoen

SBNI

Talent Development
Competancy Developmant Policy

BNI je comeurned 10 reslisng Kuman capital
#nemilance through Inclusiws and sustainubis
compateney devaloprmant poloios. BNI gusrantese
Ine eighie af wil senpkowesa, meluding permanent
#impkoyens, contraet #mployesa, trainees, and
sutcursed waotkara, to have egusi soceer to
Waining and development prograru In accordance
With their renpoctive roles and neada.

Serwors Authority Ragukation POJKI No. 24 at
2012 cancering the Dewalopemenit of te Orusity
@ Human Resources in Cormmarcisi Banks, as
furthar stipulatod is BNFS Human Capital Polkey
Company Guidelines, and W designed to s#auko
that BNI semployees to face the conatantiy evobing
Oyoarsies ot tha banking Induatry. In adaiman,
BNI alwo attaes internehip programe programs
ta provide practical, experiance-based learning
that #ohancer knowlodga and akila In ralovant
Jobs areas. as weli as to prepare n competent and
adaptiva workfotus for the future,

Iwan effort to crastn 4 produstiwe, Innovative, and
competMive work environmant, ali competancy
davolopmant Initiatwus are aynargzad tiwougn
BNI University. BNI Unversity scts asa learning
Orthestrator that damigra capability development
Miratogisa and organizes vanous trawung programa
tnllored 10 BNI business menda, including
mrongthening  competenciss In Sustainable
Finance and ESG.

BNI implementa an employee competanay
Gavaloprnant tramewark through wae man
angcoaches:

pndushan

Corporate
» ma paspanse

Bustairabitty

1. Capability Development Based on Employee
Catagany, mash Inchadea
2 Employee Development, fotusas 00
improving  cmployae perlarmanes in
carrying out roles and tunctiona In thair
Curang portions and

«Talent Devulopmert, aimad at developing
Nigh-partanming — ampioyaas (talenta)
In preparatian Toe higher rotes and
tesponubilitien.

2. Pnetion-Based Capability Dewstopmant, which
Is tailored to Dhe competency regulrementa Of
eseh pusition. This developmant is caried out
through mandatory, thematic, and individual
programs, benad on employee needs, both fr
thir current and futura roles,

3. Tiored Capatilty Development, aecording to
#mployes job levele Ihrough various crome-
funaticnal programa, including Leodership,
Rast Managamant, and khuman Capital

Types and Scope of Compotency
Development Programs

BNI estabishen ihe types and scope of
talant davelopmant programe in a@ structured
and austainebie mannar, With raferance ta
@eveloprrent obvectives Ihat have bean sat In
line with the company's business neods. Tiva
upervach W designed 10 ensure that aci lanrng
progam contributes significantir 10 Improving
employee capabiities, leadorship resdiness, and
oeganizanonai #estainability,

The talent development program ja designed
to cover watiaus job tewule and tunctiane, and
alignet with the dynamics of the banking industry
and BNI's strategis direction.

Lauroing Prnyram 40 Enhance Lepluyas

Capenilitiss in Buppart af HNIa Business

BNI organises Iseng programs aimad at
#nhancing employer capeblites mM supporing
the company performmanza and businnse growth.
These learning programa are grouped Ino sight
main, areas of training and development, tailored
to the menta of BAIT function and busirsess linas,

Tiireeghout the reporting yeat, the cight learning
pengram areas included Laadarstup, whisih
was attandedt by 3.724 participanis: Finance
& Human Capital wih 24741 participanta: IT,
Digital & Oparatiane wium IOATI partcipante:
Legal Governance, Audit & Compilanoe with
1,261 perticipanta, Network Hi Services with
NLST3 participantr: Retail Banking with 20:604
participanta: Risk with 28419 perikipantk and
Wholesale, Treasury & International Banting witn
22.963 parbeipants.

This extensire laarning scope teflects BAE
commitment 10. unsuring 0gusi access to
vompetenty development, while supporting
(he strangthaniny cf operational capabliten,
Ik managamant. and sustainabia businese
competMlveness

Leurning Progeeme 10 Support Landurstn
Capadilitter

To enhance talent development, BNI design 2nd
“mplamants 2 leadarship davalapmant program
Ihat 1 Integrated with ihe- suacession planning
ayatam. This program gems to emtura #tfactive
atu sustainable badarstg, as well a aepulp BATA
Niture leadere to dedi wilh upcoming businesa
ohallenges.

Lendership development peograma are atructurod
08 & wvel-baned eyutar and ara provides tw ali
wmpiiyos lavels 28 part Of sitangtharing the
Inodership pipefine. Eocbs proyram Is designed
with 3 resuts-orented approash, ancuring
Uat learning Is not andy focused on Increasing
#mploytes' knowledge but also on sirengthesing
theke compatmnsiae and appiying Ahem in thair
won proctkat

Im support ot this approach. BNI Isas astabikahad
#petiha skiliset standards for sach #employew
position level to develop versatile loadar
with intogrity who are capable of cantributing
Oortimaliy Io business sustainability and corporate
Yowarnance

Leadership Competency Developmant
2

Leadership competency develupment Is caried out
in two main phasot 1he Orientaton (Onboardngi
phase and the Develapmenit phase wivek ar
tallored to tie job level and leedership category ot
cach ameloyee, induding permanent #mplnyaea,
cantrari #mployees, and trainema,

Orientation Phase (Onboardingi

The Orlentation Phase Is intanded 10 aguip #wery
BNI employse who occupies 4 new porition
01 rada in the organization, tram Entry Lavai ta
Board Level, Emplnyees will be sanipped with an
wnderstanding of lasderahip In accordance with
Ehen reapacbwa rosa and reaporaibilitior at sach
Ievel During tts phase. the lenrang fosum is md
at building losdership foundationa understanding
the butinasa cortext. and introducing lenderatup
roket in mepporling ceganidaonai MALairabiliy,

Pama mabidiy Rapat 230
PT Hera Magann atarema (Perwal Teh

y Wesratia
Firanen

Corporate
Bustairabitty

1 BOOOOC,— Lasding The erientaian pingrara at ka Directenhp “
ang BEP Busirsss level focusas an understanding Gnbeardirg
buseesi comphealty. strategik Program
destion- making shift, and the
tote ol lesderetip in ansurng
Orgmnizationan yrowth and
(urtanmaty
2 Haperimesid Landing Others Facuses deelopingtheability — Adronemd 2
Wire tu buikt affective feiatianatipa, — Owbearding
promise direction. wagire beema, —— Tenkning Program
aret mopport ihe achievement at tor Kaperiancn hkra
calimetiva gus. -
Onbeartirg
Trmining Program
tor Krpatianca Hre
Bani Inbosrding -
Training Program
tar Kupertienan Pra
2 Entrylesel  LandngSeif Ak thirlevel, nmdersaip Offset (ni
cavabklias baya wEh sah Dewnloamest
awaranett and set-management, regram (ODP)
pewelanm understanding af “Tantan -a
#bengtie aul wentaran Downloat
Program (ADP

Davekupmest Phase
The Davelapmant Phhasa focusas en contnuouwy duapaning ang sirengthaning laadarahip papabslibaa,
as the compiexity of roles and resporsibilities Inceases Prograrra in this phase are designed to ensure
Jeadora are preparad to manage changa, load organgatane and create suatainabis busmens impact.

1 MOD, NOC mad Loading
Ev Deenene

Lawderatig Sevatapmari at
jera fatuara on rsrmage desaioe
making sorpurate govenanes and

(erangbenru iba rolo of Iraderei
(ee tie naa dehner af ktumnnan

sustahatiltp

2 SeworLenders
#00

Tha program is designed Io dospen
(tratngo enamrehip cagatil Naa.
busnsss compiesily nnegewan.
mod Ngh mpe decisiue matirg.

Agumeos s3
Mmogayan

Progam
Awi

Srraadin Pepe BIG

102

PT Movi Pengara Ireke rani (Paruane) Tah

Tha pengram ia darigned In
Manegoeem mahante misdle manapers' abifty)— Manegamani
1 marage team. enaruraya Lengarahio
cobabaratinn and transiste #regram
stratagy inta apssaticnal mascutiss— JAMLPI
4 FasiLine Lasny Sell Thegrogram focuses un Festlwe 237
Mmagaoam #trengihering pertongi lnsserang.— Mmagatant
managing spertonal taama, and Lendarihip
pruparing partiaipantatotakewn — Progtam
lentarsalp relesetine trentinaat — FMLP)

(he orgamiratian.

In cryaniring iris keadeuhip program, BINI has
#stabiished strategic cokaborations with variny
leading global and national adusational institutiona
10 #naure the guality of earning Ie relevan? to
'uture buwnesi and lssdsrship challanyes.

Far the Board Lavel ang Sanior Leaduri BNI
sollaborates with worki-clase business education
inatitetes through global partnesships, including
Harvard Business Senaol, Whartan Sehedi,
Northwestern Kellagg School ot Management,
Stanford Graduate School si Business, MIT Sisan
Sehoolot Management, Codumbia Business Semooi,
National University ot Singapore INUSI, IMD, and
Erveritas, This collaboration ala to provide global
#epasure, International best penetica benchrmarka,
and strengthan strategic Inederstip capabilities.

Mearawhile, tur Middie Managamant and First
Ling Management lewslk. BNI has esiablished
partnetships with credible domestic educstianal
Iwetitutiona, namaiy BINUS University and PT
LAPI ITB. to ensure ie relevanaw ot learung
to the conioxt of the business, regulationg, and
Oharactunatcs of the national banking Industry.

The feadership development program Ia
Imgiweantad thteragh an Intanaive and kmmarsivu
lasrning medsl, combininy veriows. lasrming
mathoda, Insluding intersesive Inclasa learning,
#pari Khating sesmane. cosehung and mentoring.
08 well as prectice-based lswning seperlarices
thrcugh 2xtion isarning projacts and ai
nssigomente. This approach dirmne 10 onmste that
lamrning not only beondene knowadgs but also
anocuragss the direct apolization of lendership
campatsetias In the wurepiace

Bamamakidiy Rapat 0
rewa IPeroarei Tuh

103

XSBNI yo Kanak Maafin —

Loarning Programs to Support Emplayse Preparation for Retiremant

In supporting emmployees' transition to retirement, 3Nt provides a Pre-Retrument program demgnod to
agap employses with non.technisal and Minancisi readinase. The program coverk setf-ampowarmant,
#daptatkan to peyobological changes, hesitihy Iiestyis malementatkan. retiremeni Ninancial plamning, end.
business Gpportunity mapping, In 2028, ho program fucused on tha tapica of Wisdom Living, Hostthy
Ufestyie, Financal Pianmng, Entrepreneurship. Second Career Impation, and Retisment Rights A
Otikgationg. In 2015. BNTs Pre-Reliremant Program reached 4,149 participents, using & hybrid method.
Of those, 1407 participanta attandod in-class lomning, while the other 2,756 participanis attonded the
program Iheocugh anbe webinarg

Scholarship and Certification Program
BNI 18 committed to the continuous development of competancies for ali #mpioywas Dy providing them
with support 10 pursue #cademic degrwes nd professional certiicationa, This program Ie designed ta
ensure agual opportunitios for eklils improvement far both permanant and contract amployaes.

Program Bensiswa Pendidikan

As part Of strengihening longterm lsaring paths for
mmpioyuas, BNI tacilittes formal education dewlopmant
up to graduate level, This opportunity is provided to ali BNI
mwployeas through twa development schemes tailored tu
ampioyaa charastaristica and potential, namaly

Fei! Owvolapewear Program IOI, & program Ihat reirburser education #xpanses Kat
#mployoas who have completed domestic #cadernic education at the bechelar's, maste'a.
(or doctorat leval, This program in apem to BNI ompioyoas at all job luvala who raat the
program segulrementa. TBe prognim fecuses an #tudies alatad to BN busnesa nesda,
such as business & menagament Information & technology, data acisnen & artificial
Intelligence: #sonomica, secounting & finance: envirommental, social & governance: legal
Gudias

Global Posteredunte Program IGPPI. Global Fostgraduate Program IGPPI, a master
dagroe mholarenp program at the top 30 International univorsitiaa basad -on the CS
World Unveruty Rankings. This peogram h Intanded tar high-performing #mployese
at Ihs Manager (MGRI to Assistant Vice President (AVP! levela who meet ibe program
reguirementa. Tha focus of study is on economic & #conemetrice: accounting & finance
master of buwnean adminstraban: business & management, marketing ln M legal tudise
computer #ilenoe & irdormatian system: date scianom.

Sestatah By Nepari 2G
Ika "1 Reva fergarstrekerman

Cwrtification Program

BNI han designed & coriificabon program to Bruure that every amployan has a relevant standard of
compatenece with reyulatinne and supporta tha Impiarmentatian ot Iha company't businesa setivitisa.
Ceriification at BNI Is gtouped into two main categorias:

Mandutoty CertMizativw

Tie cartiNcetion In regwired by repulmtions Ku ampioyees in certain fiskis of work as an etfort to mainisin
smptoyea competsnee alignad with job reguirements and remponaibiltios. In 2025, BNI recorded a total
01 20,240 mandatory certilicatiang, compriaing 31 osrtificatisea at Iha Board Lavel (BOD, BOC, and SEVPI.
NASA certificatione held ter permanent emploweea. 197 certifcationa held ty contract #mployses. end
BAM certificatiora hoki by #rerrtliners

Pie Managemert! Entuses the eneseteney Pesitias lava ranga bar wa
Ceritcansa SUN Mandarda of bank adinistiatees — Aswiatani Manager (AMGII La
ang ofhetake in reek management Nogrd Lawe NODMOCI
Cesdcatrn remtad Serengthaning capabistira in Mexde of mur nita €
12 Anli Fraud detecuing aed peevanting aud in — cwretoning the
Imotomettation ICAFM — aeco1darwe with Be Banks Anil: mulementatan ofihe Anti
Kcargi Fred Sermegy Fraus Stertmgy
WPPE PCersfiratan ——— Eneeren that sifieernaru Depteyren an pendzct na

carpetet in markating capital —— marketing setivises (Privata
martet prodecis traneparenile 1D Banking AM. Grerakt MM,

(tamara Emeraid Aegssitian NM.
Patmanal AM)
WMERD Certncarnn Eneures uiNcers Nae the: Marketing ctfosrs and .
(ompetenan is erat andasil —iswettmeai tpocimiste
mutual fund products (Koerate Head aral
mvesmeat Speoabsti
POK Parent Serma Guararnsns terhc eepartan Untibee Ihat manage pamer “8
Cerficate arcd sompiianen in the uperatiunal  ayetem btansastisnw and
menajarsani of payment nyata seenmiang
tansactane
Teanry Carhentnn —— Unsurss profeesanaiien and Moriey marun medis barnig 1
integrity in de exestioo ol meebanga martat trassactiun
money muiket and toragn paryapana
#erhange tranwartines

Pama mobi Bapa DR
PT Hera Magann atarema (Perwal Teh

105

ASBNI on bean Dahan

Wen Mendatury Certilsrtion

Noe-Mandatory Certification is Intendad ta Imprown amalopes skills to mapport the Implementaban
04 variout code butiness ectivilles rmore optimaly. The number of participanta Im the 2025 non-
mandatory ceriificstion program was 366 permanast employees.

Cree Bazuity Emtutirg sirergihened 2yhor sesiliance Tmyiayeen wbu baya relu 19
ang Pervanal Data trrsugh dloud Intvasirusture srotactlon and unctione in te apber

Pratmrtiem IECISO, and sumprahantika terhnirai thrsat — seooriny fold
CYSA4, ang COMPTIA

Sesutitvel
Control Syrtmme iCISA Umtuting the #Mhartivansen cf Umpiayese who hara tam 4
and CRISCI tupeevision, rformatisn #yatern audis, and funetiana in the barbing

and techmokegy riak management in ali ayabem cararal fi

banking nparatisoe
Gowemante dk Untuting he mplsmentatian af IT Employee who karen rolee 7
ArsbitestreICOBT— guvemane and arstitastura 1 BNI and fanetiose in te field
5 Feundation sad that is afgned WAS Ie Bank ematagic at IT governanat and: IT
TOGAN tvarbwat ang sigit rarciermatisn arortretuta
ITServisatk Emtuting— metaark— nharteusture Employee Wiut bawa ralm G
Networks (TTL Vk reliability and difsiert twetnology and Tuniliwes Is the Kaki of
eraritatiwn at servite management stantatikatian hot petwurk Inlrasitusnere and
MTCNAI cewarurr Wehnotngy aan
Kusir (CDIA, Bani Ensising the gualiy af intamal Emplovats wika catry but 1"
Internal Aedit supervaion seecifosiy lor ihe banting Biteenal audit funukana.

Ceritcatien. ant it rertor in engine tampilan sad prudmet
Ivaditar Certikcatianl central

Mada Puanca (CTF — Emutkg memar ul upwatiosel Depatinerg Masd af iba 25
Certfac.CSOG. 2nd sundudn and technical ampacta ft Suppty Chae Financing

ce intersatismai trade #moncing Ireparte Mrodurt Orvelapmsat Unit
impertel glotaty and Wowtesale Teanasesian
Pesat Swosiatat
Onyarmere
Carsikad Cereraat Emtuting the #mpioyasa' peturtey In Legal #mplayaee 0 »
Draltas draliing. reiswing, and emuing the nee whu dirwetlp draf:

Gusliy af business connect that me Konperkban — #geemereki
legaty sovad, riak rmtigsting. and In nntracte.

lina mtk Ih company intersata and

vnvemanee.

Banting Campianes —— Unmring the #ftecive Impemantation  Emp3ovees nie come “
Cersfiration Of corpilanen functiane tt antara that wait

hashing aetivitan are condusted in

#r10rdesee WES tepilatiana, #riktmtee!

pencips, and g90g parerranae

Are: Maney Emesring compeabanaiw implemartatian Emplayses — wha hawa .
Laungering 01 AML CET and CPPWMO prugrwne tumationg related 20 Wa
Cerincanen KAM5. (0 present, detect. and repart catengai — enptementataan Ol AM CFT
AMECTF KCPPWMOI cinere af money laundaring, teroris dk CPPAMO:

#nanting, and prolikerstion financing ef

weapora Of mnes deatustian

Srraadin Pepe BIG
PT Meri Pengara Irekerani (Fara Tah

Cartifcatiew ef Lupa Enmusing emelopses' wedeestanding and Empiayees who have 8 12
Prartitionere and #itin managng Industral rmatisasang role In managiag #mplayan
Industiial Pelitiose —— resubving lahar dieputar sepropriataly. selatan.
Resoutiur fakly, and: Ik arcardanee with ihe

Provsu ot trws and repadabona
Gowemanen Mie, Unturing sempreteneve manirer af Umptoyers mi tunctinng 15
and Cemplanes Gnvemaner, risk inanagemenk, and melata ta govarsaoen
Certifcatien IGRCM, — cempiason mpects ta Suupoti saung
One, Coe0) 176 tuntrirabie beririan- making,
Pok Managemea! Untuting emglarear' sadertanding and Emplayeee who have MI
(ENMAP, CCRA, GACP, Akil in siak managamern Tusetiona selat 1. yah
Oka
SG Carsiisatian Emusirg #mpisyas understanding and Empisyoes ih 2
1088 Sundada skills related to E3G anpiemantalan ——— haretiona selated ba

mutementatan

Sustainable Finance Competoncy Inadditlon te Sustainability Finanze, the Mandatory

Developmant 1»...

To demonetrate Ms sommItaneNI ID sustainale
Knanee. BNI has develaped training modules
Gesignad to buld employee understanding of
wnvironmental, social, and gownenanoe (ESG)
lstums and risks, as well an sustainability and
Wuttmnabis finanze pomciples. The modulos were
#wwlopeti In colleboratian WIN mubiect makar
#xparts. conewMtants, and other compatan partiss,
#nabling employeee to understand sustainability
concepts. manage ESG riska and ananyae carporane
sustainability reports,

AL IBe end.ol Ihw reporting perkad, 370 Of BNI
#imokoyeaa, Or 20,943 emplovses, had partidomed
inthesuatainablafinanzetompatancy development
program Intougn Mangatory Suvweabliry Finance
#-Learning. This schiwwemant exceeded the target
set in the Sustainoblo finance Action Plan (SFAPI,
which was to davelap the compatancisg ot 93.5
Of empioyees by 2015.

@-Laarning pregram attended by adi BNI employesa
Covets tee Iammeng Yopics, 8 follow

—— —— 5,

rewa IPersaei Th

Sustairatie
D firoen

SBNI

In 2028, amployes participation In mandatory

wubinar aciviiks war raccedud at 37,733

“netoysas, inttuding permanent ampioweas,

wontract #mployees, irsinsea and Outsourzed

Workara. Tia activity complemanta the Mandatory

(Hisarning program 28 part Of #muiuyes

competeney dovelopmant. The topics of ihe

mandatory wabinara hold included:

1. BN Inapiring Talk BOO - Roots, Vaness, and Life
Sournay ol tts Guardian of Integrity

2 BIM Road to Zara West - Let's Sort. Aseyek,

wd Reuse

Compliance Forum: Decisiun Making based on

ha Business Judgmant Rule Principla In the

Contert at Good Corporate Governance and

Anti-Corrupton

& Eny Warning Syateme - Datacting and
Prevanting Licwidity Risk

8, ES - Undoratandiny Sustainability Financing

& Foundation af Digitai Laadarship - Adapting ta
Digital Transtormatian In Banteng

7. Governance, Risk & Compliance (GAC) Webinar
Seriwa

&. Building an Anti-Cornaption Culture in Businear
Partnership Networks

3. Operational Riak - Protacting The Organization
Through Effective Risk Governance

12 Strangthoning Anti fraud Awareness Through
Iha Impismentatian of POLIK Na, 13 ot 2034 far
Pnsacisl Senweas Institutions

11. Preparation and Guidelines for Reporting 2928
Annual Tax Ratursa for Indowidssle Through
Coretan DJP

12 Hisk Managemant - Dive Into Sustainability
Dinctorure

19, Servant Leadership - Inapiring People Through.
Servite and Authentikity

14 Dissemination of 4 Wonders - Mandatery Sott
Cempetancisa for BNI Hi-Movers

15 Personal Data Protection Webinar Series

16. Strategis Digital Leadarahip - Digital Marksting
aril Business Growth Opsenirstion

1) Leadership Ascelarator Esavmtials - Growing
Your Business

3

pndushan
md Ranjaenne

Corporate
Bustairabitty

In 2025, BNI also conducted austainablity training

and certificaton tor divisione related 10 mustalnabdliny

menagenerit. The #aring and certificatian covered
topics suci as

&. Gresanouse Gas (GHGI Caleulation, Mitgasan,
Audit, & Reporting. which was atlanded tw 2
ESG munageru

b. Tha (AS S1 4 S2 Implementation Waoreshop.
wtkeh wes attendet brp 19 menployese freon
the Enterprise Risk Management Division,
Operational Risk Managamant Division,
and other related divisiang: International
Sustainability Standards Bowe ISS)
certifeatiom attandad by 2 E8G managare:

&. Executive Forum on Sustainebilny
Transtormatisn in Actisa attendod by 2 ESG
managar

@. Climate Governance bootcamp ani Laedership
Roundtabie Discussion attanded by two
#employans tram the Hong Kang Overvsas
Branch Office IKCLNI,

Swangmening Isadership capacity in wastainabilny
Issues at BNI was-siso certied out at ihs Board Lovel.
During the reporting perud, TI members af ihe
Based Of Oirserara and 5 membara Of tha Board af
Cammissioners particpated In varinus forus nd
taring ceatione dosignad 10 deopen Iher uatogic
Peripartian On sustanabilty, governanen, and
business transtormation, The matstisia covered:

8. Compilunce Forum Desision Making based an
the Botinass Judgmwot Rula Principias in he
Context ot Good Corporate Governance end
Anti- Corruption,

Jakarta Sustainability Inwesimant  Fonemi
Advancing Sustenabilitr for Top 20 Glabal
Citiea,

€. Navigating Global Oynamiew The Resiliance ot
Indonesia's Economic and Financial Systsene,
Laaderahip Forum Indonesia's Ol & Gas
Kaur

&. Master Ciass Compliance Management (CAMSI:
£ Executive Competency Enhancemant Risk,
Govornsneu & Compiance

The Cross Border Payment Landswave,
Economic Outlook, Industry Davalopmant,
Future Proofing Trade Opermion. Compilanse
Overview and Best Prsetice. Cyber and Fraud
Protection,

ix International Conforesee on Infrastructure
295: Sustaiatie Infrastructure tar Use Futura
“Innovation and Cokaboration.

L Esonamy Mastery Forum 2028: Unlock
Oppertunitiae in Gisbal Economiz Changes:

Ih BN E9G Sustainability & Tranwtion "BEST"
Event.

In addition to parbeipasng In wering, Ihe roko aNln
Board of Diractors and Board ot Comrnissioners In
Ie sustainability aganda is Wan realwad through
pondributiana to external forum. In 2025, BNI
leaders participatod as sposkers in 13 discussion and
wuning sewiona, whicn ware simad at broadening
sukehokdars' undermandng of the chatenges and
npportunibes af sustainability in the finanzisi sector.
These oontnbutona included prasentationsontopics
such at the BRICS Women 8 Entrepreneurship Forum
BNI rela in supporting worner'a MSMES through
@gitakzation 4 ESG- related Risk Management
Fonere Green Financing, the CNBC Talkshow Money
Talk segment « Consumer Protection: Banking
Dighakzution and Financai Education ONBC
Talkshow Money Talk segment - BNI Preparadnass
for Disaster Cooditina and YearEnd Operatioea,
Weman Leaders m Fintech and Banking Rounatabin
Shaping The Future ot Innovation: Fnancal
Education, National Conforence on Increasing the
Addwd Vatus af Regional Advuntngas Ihroog Ie
Syoergy of Agritulturat Downstreaming, Tourem,
and the Crasiive Econarmy, Suppurting Oppurtunibes
for Markat Dawpaning tne Financial Sorvicss sector,

Wise Connect Singapore 2024 The futura af retail
- Dwgning arparinosa, not just transartkong
Al Devetopenert In Banking: Sheping Charsster.
Leading ths Maton.

BNI has developad an Integrated diiital Issening
@coeysiem io ensure Ihat emoloyes compotency
eveloprrant & adaptivu. #fficent, and sustainatia
Te digital learring tconyemen used Is BNI Senartar,a
Lesening Management System ILMS) that ser ves as
& cantrah aco0sn pair tar ali devatapmarit materials
for BNI emoloyses. The use Of thik technology
Ihas enubled BNI to create & culture of asii-driwan
Inaening twat aupportu the Banke ovarait digitai
wanstormation

The digtalizasan in Warning at BNI takus the form
Ok 4 mandatory #-isarning program, the results
of whidh ma reported perindicaly to regulatora
ae a form ct complianes: Daily Exarcisa Employee
Program (DEEPAE), which is & karang program In
Use form of short dally gulzres to eraure continuous
understanding ofcruwaltegictacosestnintarnatanal
ttird-party digital Iserning platforma, such &&
Gofluont, LinkedIn Learning. Coursera, Udemy, and
Moody 1 and the use of the BNI University YuuTube
channel to organlas learning webinars that can be
acconeed Soxitiy by al! omployaes. Ali BNI employee
Warung acOvilies are managad and suparvtnad ly
BNI University and dotumentad in Ihe Insgred
Human Capitat System OHCS|.

Employee Competency Devalopmant Realization Data

In 2022. BNI allocated Rp138 billlon far the Implementatian ot employee cumpetenty development
pengrama. This program was attondad by 26,937 employoas frorn all job levals, ranging from new entry to
#escubwa beval and cewaring all employment statuses. Tie average training treguenoy was recoedad ai IG
Ormes for permanent employses. 11 times for contract semployess, and 12 times for trainoss.

remas
817 15 txt
dna 1295
ar 2129 3
Tanaman Rapat RI

KN NN 109

BNI » tenda Corporate y "Waah

Bustairabitty md Ranjaenne

Average Trainitey Hours Dang un Pusitan Level ara beri jare

Tisiring Meara a Year Average Tunaring Maura

Pusitian Laval

Haus " P3) TasA 29831 17 &3
Vice President “ ” 220009 11. tot 117
na bea 8. do tigara9 14003 13 uang
Manager 1 ana ATU INARI oo MINN sana 1422
Aewetart Manager tag0 RTM OMA oo LOVASABA 1” mm
W Anniatang “") 243 KOPI ADKMARG oo GOKA6LA 13 yang
Total 9 1202005 187

vean

... nmesrutra men . mwantar pena yag Maa

0. Ara mann SV Irnbng Pa:
DI Cemurwng Haa Fan Pesbdani Laman Yaa Present. sed berisi Lusiahee visa Pesta.
TN Ko rwewag Menma sad Beri Law Korban

BNI consistangty urganizes colisesion pobey taining 28 pas of strengihening Compliance and businuss
#ihics. In 2025, the training was conducted through varicus methoda, including In-cisss taining lonline
and otfinel and wobunara. with interactive learning methoda to sosure adeguate and tustainabie emeloyoe
mowisdge

The traininy program was attendad by employows who play a direct role in debt collsston, botn BANI
wmpiayuas and Inri-party debt colection agentia IG ensure conekktani, compilant. and proper
understanding and irnetermentation of debt tofectlon polcie In secordance with applicablie regulabona.

Traiwing on Debt Caltectiwu Puliry in 2978

Putin para Beapa

merata
wambara

itaveng Pemasang Cartraat — Pural
puneyana
va mpheyons — Empieyaan Vanda
Agrory Rarmerry Meetng 73 1. V 5 9 mar
Agt Razvvery Meeting
ag Tam 28 tua v P Ko nrrimas
Eibes ol Dehi Coleetion In Class
Hen Ta ka ” v « , "ima
Irairang in Negotatior
TertvigsarhEmiseal —— Tsom 5 tam « . K0 ttimar
Dati Cebecuon
Trairity In Ontesidng
- Heran Isom—30 “ « “ , "ma
Tabung In Orserdng ”——InCinss
Cetiklan tajardisin ”— “Taning 3 » 3 " a Panen:
TraiinginPesurtarang —InClase » v . Kato
Tuining

LAN Ceodit Mesoksen
tifecitee Stratngiestar —— Wetinar 16 1 v “ , ma
Acar heravery

Setanangny Mepari 2216

PT Movi Pengara Ireke rani (Paruane) Tah

Employee Performance Evaluation...

Indiyatuat Partatmanan

Te performance cycle at BNI is a continwous perlurmance angus
the basis fo Method Sell assesamern
management cycle sarving 1 1 #mpioyes moga

performance management. This cycle consists Of Gosl
Setting for setting performance target», Pertarmance Dxiving

to encournga perfarmancs achievement, and Perlormance mod
Evaluation a84 mesen ol evaluating stnetenpes performance. Method ID Sagroer
The Implementation Ol this cyale aima to support the

tivavemant ot BNTE businnas atratagiss and perform nee,

181024, 1006 of employees compisted performance revawa. Owen Gwa esutaime
goal setting, and evaluation to support perlarnance eh Lime Manager
Beveloprment and tnrget echlovemant through varkuk

avatustian mechaniama Employee performance evaluatione Pasto

are managod by te Human Capital Stratagy Orwaion and the

Hurnen Capital Services Dwisan,

Pettorrmason #ppraleai reture to the achlewemang
@ individual Key Performance Indicators IKPIsi
and is caried out by ensoring that there ia Ma
Wacriminaton based on gendur, Mhnicity, rice,
religion, or class hat Is against. human rights
principisa. In supporting the enhantomant
Ot. petlormance culture, BNP Inptemnenta
compeehansiva pertormance appraisale tor ali
ngloyean In tertain divisiors, performanae
@pprahale also Include sustainability apscik,
yueh as In the Enterprise Hisk Management
Division, with indicator covenng green portfoko
pertormanan, ESG Frameweri. and BNI ESG
Rating, Ta maintain objestivity, the MO-degree
meultirater survey Invoivee various partios whohaye
Gracs wort Intaracbone wiih employees, Indludhng
vupervisore. cobragues, and subordinates.

IK order ta peommatw sustninabin Gevulapmant.
BNI kmnglemants & culture ef cantinvous feedback
tnreugh cne-on-one discussiong at the Leginaing
Ot the year and posi-perlormanog ansasamaat,
These discussiong 275 used to develop Individual
Davelopmant Pisan |IDPs) 0 empioyan
dewloprreni plan tot he year Furtherrmare, the
results Of Ine performanew appdalsal are used
asa tafaronoe in the provision of rewards and
remuneratian, capabiny development, and carewr
planning. including Vetarmining the sigibilty
04 smpioyose 20 participato in promatian Or jab
udwanosemant programs baasd on the Objectlw
criteria of the persannel comumitise. As part of
BNIS commitment to enhancing performance
Imenageemant and. @nalayes devalopmani, the
employee feedback prucesa in conducted on &
suntiwous and integrated basis #ursegh the
Digiie pluttorm, TiWe anablas performanan
monitoring, development, and futow-up activra
to be carried out ina ora structured, traneparent,
“nd aceourtatile mennar

Pama maba Rapat 230
PT Hera Magann atarema (Perwal Teh

SBNI six 0
Employee Well-being and
Protection

Human Rights and Diversity

konde kete
BNI haw a Company Policy (PP an Human Capital
Uhat rafera to Law No, & of 2075 and sarves maa
wedeline in the preparation of Coliective Labor
Agreementa ICLAJ that govem #mploymant
peincintes and Maman #ghts. BNI #nsures nat
there are na practices of Torced labor and dhiid
lahar, including Im 2025 In htm implemontation,
Swara work Is carnad out under an agreement
betwsan empioyses ani company management
Sar urgant wotk, wiile all maintaining work life
balance and compiying With minimum working
age regiteimeats as stipulated by regulations.

Career Opportunities tor Emptoyees with
Disabilitios

BNI upholds the prisepis ot egusi smpioymant
spporturtiwa tor periang with disabilitas by
considecing individual competencies and skills
In jeb placamant and ansignmant. This principla
Is consistenriy apohied Itoughout BNI. indudkag
Ita subsidiariea and comtolidated affillates, in
Ilna weth ita commitment 10 gander #gusity and
Inddusivenass. To support work cemlurt and
produstivity, BNI provides disabilityrisndiy
Iaciltins, such 28 slevotors, dedicated parking
areas und tollats, accese rapi, whesichaire, and
other mebikty aids. By 2025, BNI empioyed 22
amgioyaar witn disatiitiee,

Srraadin Pepe BIG
PT Mera PengaraIrekerana

Corporate
Bustairabitty

pndushan
md Ranjaenne

Increasing Women's Role at the
Managerial Lovol

Tha company Ie etrangihaning the career
@evelopimerit Ot farmula taken to Increwse woman
representation at ieadarahip levelu. partioularly
Aasistant Vice President (AMP) mad above. Tika
#ffort is carriad out through the Taken Acceleratian
Career Track (TACTI es » career anceloraton path
based or performance. compatance. and petantial,
as well as part Of stengthening Ihe sutossskan
Pipalina for strategic roles The TACT program
praparea high-potentist tamala talent witn 8 more
targeted approach through #xposure, canetiliny
developinert, and jok readinesa monitoring, thus
Inereasing ine proportion af woman In lenderahip
pesiticns in recont years.

@

Famala emphoyune 2026
peiding mamagortal
pesitlana and abuve 2013
NW san

t016

Tie Company supperta gondur #gusity and
Women's empowermant Ihecugh vaticus #gusity
polcier, Including menstruasi Isowe, daytare
taciltiea, masernity Iaava, an umphoyas meeatanoe
program IEAPI to suppent the piwwical, mental,
and financial haalth of employvea, the provimon
01 nursing reoma In wweny bulding, and Menitiln
worling artangementk The implemsentaton of
these polizies reflecta ihe Company'a commitment
to peloritizing #gualty, tairness, and the creation ot
an Inchusive work anviroamant.

To support egusi carser opportunitiss based
0m competunce and performanen. BNI crasted
Siikendi BI «8 & platform lot empioyet crestivity
and cedaboraton. Tinis Initiative refiscts BNFS
samavtmant to forering woman'e leadership
that prorsotas the values of caring. Insgiring, and
collaboration, whvich are rulevant to atrangthan
1h6 oryanization, The Seikandi BNI 8 awported
Ta #nroumnga #mployeei, especity warnen, to
mupoort edch othar and develop their personal and
pentaamonal capabslitan.

Ihtoughout 2028, Srikandi BNI eryanimd &
wetios Of Inepirational and educatianal setwinen,
including "WOTD: Wastrs of te Day Challenge”
In commamoration of Kartini Day to promote
pulturut appreciaben and unit cohesion, && wall
48 Woman In Caletration Week to commernarste
Mothar'a Day, whiah held a talk show with loaders
and proctitianars, while strengthening community
Suhbart through activities tech ae the Glow dk Grow
Market. Additionally, Srikandi BNI stanythened
umpkoryaa waltbarg and teedance Ihecugh varidus
Kealih talka and Iheratic discussiong, including
topka on healthy Iostyies, career and wolibesng
balance, mental hemith. and #upport for working
parenta, an part Of effort ta buikd an Inclusive and
#mpowering work sevironimant,

Labor Union and Collective Labor

Agreement 3 5...

In butding healthy industrial relations and

gvarantseing the rights to freedom of associaban

and assembiy for ai amployses, BNI has taken ihe

Satlomng massuraa

1 Estsbilshing regular commusicatlan with tis
Labor Union through & joint communicatien
forum between Managamant and 1he Labor
Union.

2. Promptiy responding to input trem the Labor
Union 48 partof ine industrial relamang disogus
wud permership mechanisn.

1 Implamanting open and transparent
cemmuricatian to prevent madior resolva
Industrial relations disputes constructlvety

4. Granting permission far Jabor union
admuinisirators in legww wotic at cartain times ta
CGPNY Ol SET Men pelated to these tunctians 48
labor union adrministrators. provided that such
activibes do not conflict wim applicabia lawu

8. Providing finanalel and son-fimancial assistance
to tbe labar union in carrying cut Is activities.

The Cotisetive Labor Agremment (CLAI for the
2024-2026 period ia the result Of an agreement
betwsan Management and the Labor Union that
was dratad based Oom the spirit of pertnsrship,
togotharnesa, ard tamilial principla. ared regutates
the omploymant relatonuip and the righis and
Obiigations hat apely 10 ai (10076: BNI semployata.

Employee Grievance Mechanism
Cormpiaints regarding viclaticrs od te law, Internal
policien, or the Companyu code Of conduct
tan De submirted thraugh the Whislobiowing
System IWBSI knvam 48 "WBS io CEO,” which
Is managed indopandentiy by an external party
and muparvaad by the BNI Board of Director.
Mearwhile, @mpioyee complaints regarding
amploymant relationihipa can be subwnitted
through Usir immnudian supervisor or Aa official
communication channeta. including the cafi canter
and email, and aro faciltatad by the Labor Union
to be ascalmad to Ine Company Managemont in
& struttured mennet,

Compensation and Other Banafits for
Employaes am aa sa

BNI Implamenta a remuneratian polioy based an
the principle Ot falrnesa, #guwity, and market
dumpetitivenesa The remuneration system
in dorignad t0 ansura that every employee
retaiwwa compensulian commanturata with Ihair
Gantribution, jab responsibilitiss, and perfomance
achievamanta, without discriminatien based on
yender, age. bacayround, or ampioymeni satua
Tivs poficy sopliea to ali Categories ot employasa.
both parrnanent and contract amployens, as long
De Ihhay meet he crtnna and regulramente nat by
BNI.

Pama mabidiy Rapat 230
1 Here Magann arema (Perwal Tuh

y usa
Firanen

BNI Inplomenta 0 porfurmance-bated
temunaration #yatem with 4 marit-basad merana
approach, wharaby Der risas are yiven based
00 Individual achievementa. Memumeration Is
Saterminad by tonsidoring aspocte aueh ae job
Gassikcalion. pb weight and compierity, length
Ot service. competerze, and annusi performance
#umuatan tusulte. This approach anwarag that
remurecatian Ie given obipestvsly. rmeasurabiy,
and transossentiy.

To ente competitiwanesa In Ihe Indusiny, BNI
rogulariy participatas in armusi Salary Surveys
conducted by #ndependant canultanta. These
wurveys cover Inllation and salary. meraasa
peojactione, Indusiry remuneratian trenda,
and Industy-apecifie ramuneratian #trutturaa,
Incduding those In the hationat banking Industry,

Corporate
Bustairabitty

pndushan
md Ranjaenne

Tts resulta of this survey ara used as 2 reforenca
In #valuating and adpustng saluran Mewancea,
bensin ad reward, ersuring Ihat BNIT4
remuperatian temains cumpetitiye compared to ita
banking peer group. both state-omnad ang private
"aborsi bunda.

BNI ensuras that all amployees receive mapan In
setordanos wiih sopikable laws wedi segulatona,
including compliamee wih the Provincial
Rapaney Minirraam Waga in evany BNI work unit.
BNI ais0 provides additional benafits to suppert
cimpioyee wellbaing, taking into acsount the cost
of living and aecoreibiity of employoos in thair
work units relative to Ihair bore tasas. Tisas, in
addition 10 being cempliant with ragulationa, the
remunaratian structure Ie also adaptive ta regional
#canorric conditlans.

Aride Irarn Iimanclat compensatian, BNI also provides bengis related 10 employee walibaing Iwouga
rur-wege benetita for permanent and contract empluyees In all BNI operational areas as par apolicabie
regulstiong, inatuding trs totoning:

Litrinvurnseg —— BP/S Employment injury Snontitg HPIS Death Arronting an the
Dersayemeni Benefia senterta al He
Agrenraeni
Meniti taciltins PAS Memih Msurance, BNI Le Private insurance ye Aazarting te time
sentana at La
Agrawramn
Disabinyand BPJS Cmpinymeri injury Becusity. BPJS Mesin vs Aarrong the
iwcapacaty Jasuranon, BNI Lite Prispse Inwurmscm Senteran af na
cavataga Agramment
Peter BM Persian Fusul, ON! Pesessiat taritutioe Pensian yes Astording the
program Yung IDPLO OM Netirernert Meat Fund IDM) Donters at ma
Agrownant
Lawe Matervity Inave, Irern Ic secanpany oie dating van Aazonling to the
@ilbirih anrual Itave Iscluding mandatary Isevelbioch sentana af ee
janya (9 consansatve daya ot inawal and permessian Agraemani

17 be aberet rom wark in serordance with apglicahis

regulatiora.

Setarahiny PI
PT Meri Pengara Irekerani (Fara Tah

Tie einployee remuneration at BMI is oversaen by
the Board at Commissianera, Inctuding theough
the Nomination and Rarmaneration Committee
and/or meetinga af the Buard of Directoes and
Board of Comenisaianers, The ramuneration poly
Is stiputatad in Ihe HC Policy, which has been
approvod by the Board of Commissloners, while
the Board ot Diractore decidas on ihe provisione
and pencedurea tor He impiementatice.

Leave Rights and Protection for
Employees

BNI providod uther benefits wall ampioyeus, which
inotuda teavo entitlamants 2x sipulatad in Articies
17 to 33 of the Collective Labor Agreement ICLAI,
0vering annusi leave, long leave, menstruai leave,
maternity leave and macaringe lema, unpakd
lnave, leave to perkarm religious obllgntlors, sik
loave, and lonwa of aboonze in arcurdance witn
@policabis lawa and ragulatkang.

Matorrity beavo for fomale employeee Is yrantod
far 3 manthu, Ineluding in cuses af miscarlaga
04 abortus provocatut, Wih & guarantee of
reinstatament and employment rights. Male
ampioyses au aito grantod two working days
OAT 10 sc00mparw tikeir wives during childirti. dn
mpocial circuatances, additional leave af up to
true months s4 granted to rmothars who gawe berih,
and ndditkonat lema of up to Uas working dya
Is granted to husbande, under Law No. 4 of 2024
cancerning the Wall-bang ot rnothari and childran
Im the first thousand daya af lifu,

During 2025, 524 female amployoes took matority
lngve, while SA2 male #mpluyees took heawe H9
Berompany thair wives wo wara giving birth. Ali
IND) lemala #mpioyene who compistad thair
Inaternity Inane teturnad to work In the same
(position, and 10014 of male empioyoos who used
wave tw 20rompany thair wives who gawe brt
as) tatum to work.

umar ot emplsyere migibie tar materrity lnawa and Inava ct Main aan
abasnze Ic aztampany Ihsir wivas during ehibirth.”) - Pr
Numbes et empisyera who took munernily leave and isavaof Maa ta3
absenze in actampany mr wwes during chidbirtn. Haa 5.
Maturnad 19 work after tatong manamnity leaee and Inave at Mam wa
abaanze io #rtampeny Ihsir wivan during ehisibirth. 5.
Pestentaga ef empiayesa mb Lock masernily isare and Irava al Mala 101
bsenie Io attampany Mnet wives duting chiibirn weha han. “Taman Ta

Peturmad to work and san ba retainnd:

Ken MI Nerat apaan Putaran Raman

Pama mabidiy Rapat 230
rewa IPersaei Th

ASBNI y Werinasa Corporate g "akan
Siranen #entairabitey md Rasfoenoa —

Long-Term Compensation Program

BNI Implerments & performance-basad Long-Term Compensation Program as 8 form af aperecatan
far the cuntributions &f Management and Empleyoss, as weli as 10 ansute trs Cotnpany'a cuntinuod
pertarmanca. This program is implemantad through a stock ownarahup sehama, namaty Ine Managaman?
Stocs Owneratip Program IMSOPI, Employee Stocd Allocation (ESAI, and Performance Stock Bonus
Program. Tria policy aims to foster sustainable performance and align the smployses' intenests with the
Bani't obisctives.

Amparee Hush Marntioe (EKA)

The program provides atosk dloestion 30 #meluyear mh rmet cartain sritatia Bed raysiementa
1" stoulslot je ihe Mugen bejlementatun Guidetnes. The Employee Sitoch Alboslive IESAI
Program has Baen mplsmentrd son 221, with 4 total af WL6K 10 mhares anda lack-up period
Urat is gradualy litind over a pesad of 3 yeara unit 2028.

Pertutatasaa Sinsk Dntwa Prugrsss

In order to jowtnes tarloga paraceranoe, Managimera ptoviiles temaras as perlermanse boonRs
far muter anang grwarth in tie tara af 4 moci owneresip program for reanapartai Sewaternpkayang.
204 tie kendara cf the emalisat urits (Sd Branch Manayersi who meat the #pecifed criteria,
With much aliocatiore ghe for Pnprovemenia Ie saninga werformance TNS pragrom wes sul
Iwpiemurond in 2014. whiba in 2074, a tatar el MATLO6I starwa wara datrituni

Menagament Bini Ownerea Pragraru IMB OP

The Maragumant Gtock Dareretip Program IMSOP is a periormance-basad longer
"ampensaban program Ihat cormngliee with POJK Ne 45/1087 and Miristar ol SOC Reyutatine
Na. X29Z. Tha piogram Is inteoded for the Bosni ed Owectars sad Nom-indapesdent Beard of
Cammiszianett. wira Independent Cameniamoratt ate gives tath compensatan, In 3021 md
MIA, rere wara 110,209 and 12.77BAGA sharas dirtrbuted, rmmwstivaiy. As far DIK, there mara
"0 MIOP sloraticna. pending Kether policira and desisuna Yum Dunaraara.

Stoek ownerehip-basad Incentivee Intoughn ESA. which started In 2022 and contmusd graduslty until
2025, covered 30X Ol BNI smployees, while MSOP In 2024 taryated 10016 of recipierta, consiating of
the Board af Direetora and NoevImdepandert Commissianera. In the tutura, Bank BAI 4 committnd ta
sonbnuing tnbe klock ownership program, with coverage adjustments for emaloyesa and menegement
In etcnrdance with Danantnta's yolicies and decislans, More detalled discussiona reganding ESA,
Perfarmance Stoek Benus Program, and MSOP can be found in the Annual Report under the section on
Lang-Teem Perturmanse-Based Companaation Polloy,

Sestatah By Nepari 2G
LAN V1 Reva fengaratrekeren UPernani Dak

Retirement Program —1

An stipulated In Articles 52 to $6 of the Coflective
Labor Agreement. BNI #aplementa a retremant
program to provide post-retirement tenafita for
#mployens who have contributed 10 and grown
with the Company, which anzludes the tollowing:

Pee Hetirement Progiaes (MPP)

A program & praparu empinyess for marmai
fatirernenit, which can be carty out cse year prior
to normal retiremant age, wheteby the employee
poncerned are no lengar activaly working at BNI
But continus to receive their Tull Income.

Pumelon Program, with the tabowing pattern
1 Definad Benefit Pension Program (PPMPI:
Applicabia 10 employoes who ware appoinsed
an permanent omgloyaes belore September
1 1008. This program Ja tunded twough
cenirbutiana af 154 of the basic pansian
Incemma borne by #mpioyees, 21 wak as
company conttibstians based On #etusrini
calasiationg.
2 Definud Comeribution Pension Program (PPIP4
& Apoticabie 10 permanent #mployses
@ppointed before Sapsembar 1, 205. The
#mployse coneribution Is OSM Of total
income. we the company contributes
socording to the position level of each
#mpioyge
ih Apolcabis tu permanent #mployess
appointed since September 1, 2006. The
amelayan contributiam Ie ASW Of total
income. while the company contributes
1G Of total Income,

Retirarmest Hanith Fund Progisan (DKMP)

A delined contribution funding program to help
Prupare nesitn banatits for empioyees and their
spouses during tetirement, mhich Is prepated from
the active periad until retrement ago, with the
target bangtite being BARIS Haalih and Cash Plan
feciinies.

Memiatary Sarai Becurity Pingram

In addition to Internal programa, BNI also noise
#meioyens in social security programs organzed
by BPJS Ketenagakerjaan, which Instudu Old

Age Security UIHTI and Pension Sesutity UP) as
part af retirement protection in aecordanos with

Downeninent ragidatioea.

Wallbeing Culture Program

BNI supports the Implementation of employee
wolibeing programs as part Of it #ffocte to
mantan the waifare and health: of its amployosa.
The Imetamemtatian af ie program reters ta
SE BUMN No. SE1/MBUSU2IIA soncerning
the Employee Walibaing Policy (EWP) witin
State-Owned Enterprises. taking into mocount
the strategia role ul employees In aceviny the
Company's viwon and miskan.

(ha peri of the stvungthening eiforts, BNI launchod
the Empiayee Walibeing Guidahcok aa guide
for endets and senpluvees In understandirp the
Importancs of wallbeing In the workplace. This
Initiatiwa Ie part af BNIY support far employan
welbeng program to create 4 workpiace tnat
umployees can be proud of and that drive
pertormanca achiavemant. By strengrhesing
Employee Welibeing, BNI sim to merem
tmployes engagement, which contributes to
ceganizationa! peoductivity,

Employee Welibaing programs that hewe beon
Initiasad ineluda:

ONL Gtops Challenge

The BNI Steps Challenge Is a faguip initlative
0 BNI Walitsing in the Implementation of the
Employee Wellihsing Policy (EVAPL The #ntiative la
canductad In coffaberaticn with Naluri through &
chwienge to record and collect disly steps to bulid
mustainabie active fifestyie habita, atrengthon
smphoyes hesitt and prodsctnitv, and fostur
& Iealihier, more snergetic. and pesitiva wotk
culture witivin BNI.

Pama mabidiy Rapat 230
1 Here Magann arema (Perwal Tuh

ASBNI

ONE Cumemunity 6#8osiety)

BNI faclitates ie duvelopmant af ampioyan
Jederasi and talent Iheoogh various communitiss
thatarz members ol495ociety. These communitiss
cover aporta, arta, and other habbies, and servu as
& forum for social inteeactian hat supparts a work-
(de balanze. One of tho initiativor #nplementad ix
Ina BAII Footbali Leagua 2015. which provides d
“pace tor participation and collaboration among.
units ttrough sports activilies. while prometing
Yinasa, tagutharnesa and apik ofaportemanahip
ja the workplace

Betanan B1 Regar 2G
PT Bari fepyarkIreke rai 1Pornane) Tk

ndush

marak wd Rarjaenna

ENI Professional Styte Work Attire Ouldelines
“Sult Up, Stand Out, Win The Market”

BNI ae updated te work alir guidalines an partot
#tforts to strenytiven ita culture uf professonalam
sad Inatitetional representatisa, In line with the
Orpanizatiar'a  #ransicemasian  towarde mate
adaptive and world-ciase work standarda. Thase
Guidelines support cardisteney In meat and
protessional work itik, ab well as boosting
employee confidence in providing services and
#meracting with custamare.

Empioree Madical Check Up IDWAMED Cliniel
Aa part of strangtheeing tho omaioyea wellhaing
program, BANI taciltatss medical check-ups for
#mployees in collaberation with the SWAMED
Clinic. This program is dkmed at supporting the
prevenilon and saly detection af health conditione,
120 that ampioyese con continuousy maintan thar
(inasi and hoatih at work

BNI iritiatod the BNI Holistiz Employee Welibeirg Prograen as an approach to managing emeloyee
wultsiing, This program fotusws on these main pilara, namufy mantal and physical hesith, Nnancisi health,
arit social health. in ine with BN belisf ihat employee walibsing Is an important #speci In supporting

sustainabke pruduativity growth.

#mplayee Rusntanta Program 20

As pertola more adaptive approach to weltbeing,
BNI has doveloped EAP 2.0 to provide professional
wupport servoa focused On ampioyas tesikance
In facing work uhatenges and personal drnarnics
that could poteotially affeot productivity and
warting ewiationeg

Since 202, this sorvice has been traneformed into
an app-basad digital model twough collsboraban
lih professional consultants. The platform shows
@mpioyaas to gain mdependant and cantinucus
ncease to mental and pinrsical health consultatan
services, while also develaping personalised
hesith Improvomang plane in Ine with the naeda
and goale af #ach employee.

EAP 20

Tenstnyan Aawatarza Progtur3 Ca Nai
gres bana ananda tor tadi
Iwastta, tnya. cai fest taat.

Lama

BNI Littte Expkorera

Im order to support employee melibsing and wotk
peodartivity, BNI providoa BNI Littie Explorer
Dayeare ana chiideare facdity far omployens with
Ohikiren apod 1-4 years. Tina daycati Is managod
Im collaboration with professional partnera and
#ewpped wilh an nducstional play area beta an
Open-ended toys, 8 safe and hyglenic environment.
professional suparvision witti regular visit froem
Chi pepehologistu und. pedkatriciara. me wali
as he provisian of nutritious medis moniured
by nutritionists. To compiemant Its support for
working paranta. BNT also organizes Ine Welibeing
Parenting Series #trough educatianal sessiora
and webinara that ogulp amolayaes with practkcai
Insighta Into supparong their ahidran'e growth
and development.

Bamamakidiy Rapat 0
PT Hera Magann atarema (Perwal Teh

ASBNI 3 Wesuasa Corporate pndushan
» Firanea Suntnirabitty Dad Ranpaneo

Employee Engagament and Satisfaction Survey

BM ragularty conducts employee satisfaction survey that all omployoes can parbupate In by filing
Out gumationsaires an the OvgiiC piattsem. These surveya serve aga maans af Interaction to manitar
#nployee satalaction and engagement lewati. ae BNI recagnires that job satislaction contributes to
postive angagarrant mh the organization.

Sinca 202. empioyes engagement has been memsurad by assessiny Ihe smplovess' average satisfaction
leval based on nine drivers, Ineluding leadership, work ciimata, work Infrastructure, training & career
dovetopenant. pertarmance appraisal, wari-life balance, reward Ii remunaraman, and nrgantanan pahcies.
The meeturement resufts are ben used aa basis for Improvemant to merease employee engapement.

BM recordad an employee angagarmerit acore of Ermgloyee Engagement Sicnre
354 In 2014, under tha “Good” cetagary, lndicating inPSi

wmpioyes engagement with BNI. To cbtain resuha
Ihat ivorw aceurately retisct aetumi sngagamea
sanditions, BNI refined its measurarneng method
by using the employee Net Promotar Score (NPSI.
The engagement rneasuremeni is conductad once
«yan

Satu Dantuter:c£ Nada asawenan 92 Pat (AKA Denda.
Pooetana

A Healthy, Decent, and Safe Workplace
Access te Safety and Health Facilitias, Employoe Engagement and Satisfaction

Matana ane an en tam baal
BN bullds a work environment that meets health and safety standanda to ensure #mplnyess can work
tataly and cemfortatiy hy providing orcupatioeal healeh and safaty (OHSI taciiitins applicabla to ali 10046)
#enpinyeng within BNI, including permanant amployews, condract mmplayess, and cutkourend warhari.
This affort Ie part of implemanting & Werkolsce Policy supported by suoporiing facilitiss, including &
dininy room, nursing room, daycara, and aporta faclitiss.

UNI also regulariy bolde wabinara and health brondcasta tn raise employee healih awariness. These
#iforte are somplamanted by providing accaes 10 madwal services through clinics at Grha BNL Menara
BAK. Plaza BI. and Gedoang BNI. ae well 28 retserat meshanikme to partner hospitais In Jakarta and
nelghboring cites for operatiane outside Jakarta,

Ae part of in emergency penbarednean afforts, BNI comduces re and sarihguaka drs Twice a year at An
main operetional buliding in collaboration with the building management and the local Fire Department.
These offorta are supported by tie availability of portatte fire axtinguishars (APAR) and personal
proteotrve egulpmani (PPEI an various work tecilites.

Irreadtn Meperi:
PT Meri Pengara Ireke ragi

0m

In building safety managamert practices, all BNI
speratiosal bulidinga Mawe adaptad Turhescai
Operatiorisl Gukdelines IPTOI trom thair respective
Building Managernent as 4 reterenas lor deabng
awlth wmerganciot, which are appiad to ali
#mgkayaas TNOON) and strengthened by buang
#mergency response prozeduses. Until the and of
2023, BNI does notheva adadieated OS commitine
e balicy yoversing building managsman.

Ineidant Raparting Mechanism s5» c.
BNI has & communicstion mechahitm procedure
governing the yrantiny af permisaon to employees
In the event Of heslth conditiana or laaving the
ahcs tor safety reasomi, lv reporting sudh
Oonditiona to their kmmadiate supervisor.

BNI has establahed an internal reporting
mmeehaniam to identity and addresa potantial
smsty riska and buliding tecillty disnaptiune.
Reporta can be submittod by empioyues through
pomemanizatica chkanei such ag telephone
WhatsApp ot through damage reparts managed
by Bulidiny Managamant. Throughout 2028, all
somptalnts related to brikding facts have bawa
handika with a 1001 resolution rate

Potential hazarde can also be reporind 10 the
Emergency Task Force ostabilihad in sach
Wulssontunit. HT the Aitumtion develop Into &
large-scale Incdent, BNI can setivate Businete
Contirssity Managoment by forininy & Crisin
Minagement Taam, Each CMT Is #gulppad witn
A crisis management playbook that ovikhet tobes
and rerpomiibilitias, aozalation procedures. and
croswtumstonal coordinstion mechaniama. Tha
Ingtemantatian of am Interna! reporting syataen,
the structure of the Crisis Management Taam,
and this awailabiity Of a oriwa playbook ara part ot
BNI siforts to maintain work safety. operational
sontinuity, and the company'4 suatainability,

Occupational Dissases and Work
Kecidonts su s1 1

BNI consiaere employae haslth to ba @ factor that
supports work praductivity, Tnerefore, BNI Pam
Created a decont and safe working environment by
providing preventive aned curative husith serviota.
Ineluding hesiih inwranca, medical check-ips
IMCUI, coonseling services with peyehclogiata,
online heslih cansuhaticna, and HPJS Hasith
membership.

BNI conducta annual mandatory medical check-

for asriy datwetian of hwalih conditiame. In general,
the MCU results show health compiaints includeng
leng-distance andior near vision Impalrment
Imyopia and asngmatiemi, high blood ehebestoral
levets #iyowroholesterotemial, overweight. Tstty
Ivar, and dantal carias. Thasa sxaminatian resuita
are te basis for guick action in Ine torm of medical
fotlera-up recemmendations and health educatian
ae needed. Ta date, no apecifis cccupational
Uinnnan have beam found, Tiwougkout 30K,
"0 BNI employeet superienced work sccidenta.
Injurias, ar osoupational dineanes.

BNI has takes varlous preventive and curative
measures In response 10 Identifiod hosith
Ganosera, Inctuding organiang hesth webinars
estunng practitianera and experta In additkan. BNI
@ncourages employee particpation in welibeing
programs to promote healthy ifastyias, Inchading
parbcipation im various sctivilies ongtnived try the
BNI Commurity (e6Sacisty).

Pamamabdiy epar 200
PT Hera Magann atarema (Perwal Teh

Susrinatia
D firoen

SBNI

As partof an integratod wsilbeing ocoryatom, BNI
ImplamuntsEmployse Asaistanca Program 2 0(EAP
LO) through colleborasion with digital ceewulting
service providers. This program Is designed to
upport the mental, physical, and financial Mesitn
OM employees, Throuyh EAP 20, employees can
accesa consuliatons with peychologists and
esistanee from a mutidisciplinany temen of Irainere
Conststing af nutitianists, madicai Advisor,
#kezutive cooches, and fitness irainers to help them
aciveve hosith goals such as warght managamant.
blood prmssure, saper and dholesterol heveis, and
stress managemant. Beyond EAP 20, BNI also
provides health tacditas through parinarships
With hesitm insurance ptoviders, In addition to
mandatory YPJS Health membarship, to suppoet
the health reada ot mmpioyans and hair tamikes,

Sesrenah BN Repart 2316
PT aer Merger oem peni Pernee Tok

pndushan

Corporate
Y ynipasjonre

Bustairabitty

In 2025, ON carriad out the dissaminatian of

haattny Itosryles andi marsial haalth, 26 wali a

ceyaniing varnowe hash #ducatan scines

Unnvugh the Mesithy Talk Sarisa Webinae Topics

@iacunsed include:

« Cieonic & Metabolic Disease Education,
discunsing preveotion Bwough topios such as
“Pravent and Control Diabetwe for the Future”
and “Pradiabetes - Time Wo Consult a Matabobe
Specialat”.

€ Physical Hastih & Digital Litustyis, addramng
relevaril isyuss yuch as “Eye Haalih and Digital
Lifestyle” and “Sports Injuriee: Prevention,
Treatment, and Racovory "

« Nutiiton& Seasonsi Health providing guldance
an “Healthy Eatiny for Optimal Energy During
Fasting” and prevantisw measurus threogh “Be
Awara of Atute Respiratory Inlectiane (ARI) -
Syrnptorra, Causes, and Prevontion".

& Emargancy Preperudnass & Futura Waltbainy,
providing technical skills training In "Base Lite
Support: Mastaring CPR Tochnikzues" and long:
term hastih support Inrough the topic “Stayang
(At in Your Golden Yoaes"

Excellent Service for Customers
Material Topic Management .

serial Topic Mamayamant Data and Cyber Bacurity

Mansgartam

Managarar

Dasa aret cbertesany are strategic Mae tot HA In One art Ie increming duratanan if banking sarvkag.
and the san af ndormatan teshoalegy " eperatona and imtarastora wi tumtamara (ybererima fraste, data
beanches, and griwatp vitlativas hawa hepoteal lv sigrificardy anest Dualorset LIL peran atabiily, iba
BA pepunaton, ex well R5 Mrondal and compilarce Vaka Theratara. dala ani cyber security managatnark is
an irengral part of tesoecting Suman rutan partindariy Pe righi ta She protmsan cf perunmai data ot cusrrners
ang other riakeholdare.

Dara ang cvtmsecutiy Maka can sesat in senyca durupSons, peteral Tanda Ion, vegakstary Sanca,
and a decine In stakehoaber corfidencn. Trese rists are becoming ing mengiy compie with ne Geram
Si iedmolagine ruzh 3x cioud romputing, pen APIs, ard Ine ya ol artifcial intaligenen IAI which mapan rise
#rovtute net andy min the Bank bad atu Lu IK parts and De teshmobogy sugpiy hain

Oriheutbar hand, strangirmnd data and CyOerResumiy nyata prosers Gpparurutine for HIM ts boost suntamar
War #vargihen Sarat ayatan texkeie, ang supocet iba dewekpirart ul secure and relaks digkai benny
services. Entenced oySersecuiky capabiises aka serve 24 an kmportani foundation in supporting dkgital
ranetoemsatiar, operational #iicleney, and the Bank" leng em business sincanatity

DM 18 canyniited ta preverting anta leahs ah suntrves pilvacy Wolatina by seng eng lis befanmatan
#curity manapamart esis and persarai tata protectan Thve somwritmart & reakiad Ihroag-
MI 09K BMI dak et Ine any emplainte mebstadi Mi data Irak, pereemal data
vadakora, ar oninda 01 cuma dita by Mid pariex dur ts BN nagiganea
petasan
» Atntsl #ALA2I onginyan. rekaling permaran arplbyare. corerart smpleyasa. was and metesunend
workara, partisioatad in rupike Adoorasion secutty and persotal data pratetian amaran program mui
vanuy

Data and uybar securhy ianagermeni at DNI relora 33 Intamal solisas and provisizea. meduding
& Intoematios Teahoningy |ITI A Ihgptal Misa Management Preoedutrs

& Grber Smourity Palicy

& Indoematicn Becuriy Policy

» Persumal Data Pruisotan Precedures

Tee Crant intormasan Serunty Officer (CSO) Orurean 1 reapomsibim ker data ang 2ybersesurtty, wnish reparta
Anh Decont ollafurmatios Tech nslogy. Dota sasesty orersiyht ca iedoutav the Tesheokegy Menagornari
Comenittwe, BA han atuo imotere nee the ISO 2TION standar to strengthen Informurtan arivscy management.

Tha sesluaticn and manaparmant al Mata sed cyber secaray (mpatis ara terrae cut ooelinucwsiy Lucu ttm
@pokcatian af iis tesea Knee sadel conieut. BM candueti manual £ybet secutity ssnesamanta and Peparta 10
the Financisi Sarvizes Authority IDJKI INI imenkvas indegendert paste In cvtmi security Imsing activities
atinaat once a yan. Tam aneeamwt tesidir are used ae the hasie for grapanng e roedmap for strengbaring
#nbeserul, mahi & knplemented In stagee An obkiitisr, hemati sudits relitod 35 Persanal Data
Protection ad Oybersecurity are conducted perjodicaly by te Internai mudi Minstios, supported by contio
(eetng 2x mwaraneea gengrame for #myinyase. At ie aperasonal Iva. INI has imismentad Metwar
Accasa Control, mulpeint detostian and rerpanan, date bsae provardan. and priviloge 2r20e8 management ia
suppori he Iwalemestatlan &IT Hppiane. The svahustibe tesudta far ihe basis lay »yatern koptuvameria,
#olicker, ang sirangsharing the Bank'e tewNenen agak futune crber thesats.

Pemamaba Rapar 20
P1 sara Magarn wasrewa (Pmaoei Tes MARKET

NB I y Wesratia Corporate y "Yuan
Pa Keant Be sanga Bustarabitty m4 Rntitenta
Data Protection and Privacy Policy

BNI views the protection of personal dala and customer Drivacy dk an Integral part of respecting hiamar
tihts and the foundation of trust in the peuvision of diyital banking services. In bine with tie acoeleration
of digitat wansformation and The use ot new technologras, BNI applies a prudent approseh In ali persanai
data processing. whether In Operational activitiet. product devesopmant. Or cotlaberaton Wih hina
partioe

na

ING PIMEST PIKANGIAL INSTITUTNOA TMAT EXCEL IN PERSONAL DATA PROTKETION TMMOLKGAN
BUNTANANLE AND CDATINVOUS IMPAOV EMENT

Gartama Turi Wpstise Peramal Data Cocamaaer | Keyuttore Comptiamen
| keremesena & Data Pratartks Cita

Management (TARMI
Trooster Impact Data Hroscd Manapanant POP Adit
Aemetamest ITU WRosoverr
Managemen
c Unta Gudlity Meliable Tertantong Corporate Gemee

BNI has sstabhehed & personal data protection
management ramework that compliss mth lawe
and ragutationa, including but nat limitad ta Law
No 27012022 concerning Personai Data Protection,
POIK Ne 22'0f 2023 oonceming Consumer and
Comrmanity Protweman In the Finenclal Services
Sector. and Bank Indonesia's consumer prutection
provisiona. Tini pokey affirme BNTs commtmant
10 anwuring that the entire data proosesing oycle,
Itarm collection, storaga, use, to deletion, Is
varriad out legaily, tranaparantiy, and socuraly in
mecordanca with the purpose Of prosesaing and
Ouarantnes ih perkorsal data subject (ghts,

Serarahin
PT naa

124

In manaying personal dma. BNI oiaye dota In
procemiing personal data as atpulated in the
Persomal Data Protestion Law, As @ Personal
Data Controller, BNI has a role in derermining the
purpasu and conarol af personal data prucessing.
Rea form Of compilanog win laws and ragulation,
BNI regulres the prmparation Of &' Record at
Processing Actritiss (NOPAI in ali organgatianai
unit, wbich ama to help Wentify and recarg
processing activities Involving Personal Data at
BNI.In addition, after dentifying high-iekpereonei
data processing activities, all organizational unite
are reruired to ptepare d Data Protection mpsct
Assusamang (DPIA).

The praparatinn df HoPA and DPIA W tarriad uut
In & #yatematic and structired menner, invoking
the perticipatlon af emplayses who are direcily
Involvd im avary data processing activity serone
ali lines of tie orgarization. This approdch is
unplemented 10 ensure Phat all bumnesa procssses
and data Howe are thoroughiy Idantified, ta
meniran potential wopholes in the managamant
and protection of personal data rom ihe planning
aga,

In response to tetmnoloyical Gevelopments such
A8 arlifcia Intelliganos (AN. cloud computing,
and open banking, BNI implemente sirict Mak
control principlea. The use of Al within UNI ia
purrantiy limitad and i Intanded ag an analyscal
tool, without wolving custormer personal data
and without being used aa finsl deciaion maker.
Tie appruach Is tukan givan the ebesnca of an
Al cegulatory Iramawart, particulstty reparding
data storage locabons and potential crose- border
raksa, Trerafora, BNI has chosan to #esure tuli
compiianoe with data protection regulations
'betore undertaking wider adupaon,

To strengthan yavemanca, BNI integraten
data protection and priveey taka into ita IT &
Digitat Riset Management tramewotk, with one
04 the risk taronomies being Information. and
Data Privsey Risk. Misk sonerol Is Implemented
through & combination ot proventive, datactive,
and corrective controh, covering aspacts of
paopie Gneroased awarenesa and competensal,
prncera (intern guidekoee und procedutesi,
and technotogy luysiam and #viraatructure
mecurityi. BNI has also implemented ISO 27001
akan mlormatian security managamen? Nyala
standard foe more comprehensive Informaban
security managament.

In Inanaging digital ceneyetame and third-party
Inwolvemenit, including the useotAPItand Software
a52 Service (Sas$i-based services, BMlimplemanta
tnird-party and cuppiy chain risk. mitigaton.
Tivs Includes @stabilshing shared responsibiny
In the cloud environment, airengthening Opan
API socarity, and Impismenting IT Hyyiene tor
campwhensive Informution #ystem security,
including the implementation of Networt Access
Control INACI, endposnt detection and reapanaa,
data Joss peeventian, ant brivilega accese
management to mibgate varisws cybarsecunty
Tieke within the BNI sevironmant.

BNI #mplomants 2 oontirwous evaluation
meshanisen 10 anaune that data protection and
privsoy polides are #ffecilusiy Impiementad
throughout the aperational cycle, This evaluation
Includes conducting oybersacurity mesesemanta
and materlakty sesesements Ihat are reported to
OLX. with the support ofindopandent consuttanta,
10 #nsure the Indapandanos and auality ot he
assosament results. Internally, ontrot testing,
thematio sudita af Personal Data Prosestian (POM)
and oybersezurity, ae well as employee awaranata
cempalynu, ara condoctnd perlodicsliy Ja psrt ot
@fforta to mointain crganizational compilance and
rerilence

Golng forward, BNI will continue to atrengthan
re data protection policws and implementation
through the application of security by design,
privacy by design and privscy by defawt
principlas 40 that security and pelvacy mapacta are
utonaticaliy spolied and have heen taken Into
consideration from the initial stagos of system
und product design. Te approach Is sepactad ta
not only increase BNI resilisncs 80 cyber riska.
but also strengthon the truat Of custameri and
#tahahcisiers in BNIW digital bankung servizoe

Pamamabdiy epar 200
PT Hera Magann atarema (Perwal Teh

XSBNI y merata Cepat vetushan

———
timer Burtairabitty D nd rnsiwnre

Person in Chargo of Management and Supervision of Privacy, Cybersecurity, and Dat
Protection

BNI implements privesy. ovbersecurity, and data proteetion governance tnrough a mulD-layered strusture

It ensures clarity af poles, @ccountebikty and oscalatkin meshanisns from the operational level to
aratogic docision-mating at the Board cf Diractars leval.

Otw Cihtet bntarmatian Serurtty (Mitear ICISON
The CISO Oivisiu ia reaperiia for ihe aparatins
el informasioe setorRy and erbersesuity
meragement. mekdngeybeneoutity is
meragement Implementabian af security cari,
ifeaat motitesing, and handling ang seporting ot
Information securtry Inccdenes This divonkan also
#emawe rorykance with mtmerari perca ar
sepicatia ranikede and mgudstisna reatad is
Sena prtas Dar aed ayatarn tenusity,

(ara Permerraan Oftaer KPT)
Tu DPO ie n personel data #rotectios siSicer mha
kethore pertama data pestnctan lircdiara wr in
respunsihte for enuting sompEarce with personal
ata pentartian pencak and Iratigatng the nine at
bisases.

| The DPO hurrdione clude ring maaranaNN
arang al BR ereloyasa peganding persona anta
#petesiun (POPL peaviling input wilkin the ogeel
PDP! monitoring Ike #mpiermesntntian af PDP at BN
ceme serncedinting and acting sea lisan weh
#egulatarx ar instmtlara rmesed to POP On insurs
(elrs3 10 peryanal data procesang.

JA

J
kap Supparting Sta Group (SG SA

The Supperting Staf Group playa  rlem supparting ihe
#eordinution, manis ing, and ecosollsetian af trs ampiamantador
af pehesag ovbertacutity, and data proterilon peliciwe arraea ad wart
rita. The SO acte xe » kaitan betawan mperatisnat lunstiane and
meanargatial fotuma. and subesita tegar: a14 siratnge Ssnuee for
follow ap at iba comutise level

Cemumittaws Under Eka Dawrd af Direetarr

At Ta Moret ot Orecsra lnyal, arataga orermight

Wasagament Corenittsa, weh 4 taka wi
ensaing that arnesey ang

business sirmngy ang lk

aer mittae senducta awak

ruhsding specatunal “iss |

supporting intastnscure. anveri

an Capital k Ceryilan
1 Fa Manayenemi) and san-perma

Ang ernaga direchan €
 makny da

with the Da mpanery'
Jd tegulatione, ar

Swiresad B1 eps 3G
PT Reva panai

126

Data Security Management
System

Ae part of ita data ancurity managamant ayatem.
BNI implensenty an Integrated approach comprisng
people. process, and technology aspecis,

HL On the poopla mepact, advanced Iraning
program for smployese Musi be atrenyihened
to foster 0 culture ef date security Ehrooyhout
Iha organization. from the uxecutive Mwal ta
Operational staff, that wili halo radise #isks
caused by human factor. Educatiun for
tustomera on the Importance of maintawing
deta security In delivered! twough bench
officars and official digital channels, such 2
social media, text messagon, mad the Official
wabaitn

2 On Ure process sipect. BNI continucusly
davelopa mature polizies and procedures taat
we algae with the Cyber Security Framework
ICSFI. This Includes creating or Updating
WI procedurae that support data #ecurity,
Regular cvbersecuritr audits ae conducted
to Identify gapa und #n4ure compllance with
security standarde. In addition, the Bani has
conducted an IT imaturity Assesment baned
on COBIT 2019 by independent assessora,
tevaring the effoctivenass of IT yovermanae
wud masagement proressas, Inckading. data
security and eybersecurity In Manaped
Security and Managad Sacurty Sarvicas
Onjectrves, Curtenty, UNP has d Cybersecutity
Governance team tastsil with monitoring
palicy mplomentation and ansuring sifective
soordinatian between divisiang in respanding
to cyber throsta.

3 On Aha tecnnology mspaci, the data #mourity
Management syriem al BNI covers & series of
Intogratod cuntrols to ensure duta protectian
and Information system resikanag, whien
Inctudie
& Sesurity Operation Conter (SOC)

BNI oporatas a Security Oparation Center
(SOCI Ihat conducts cantinucus security
monitoring 24 hours & day, 7 day
wosi. This monitesing zovors andpainta,
Petwotks, applicatione. and setvets. Every
Incidont that Ia surcesatully mitigatod is

dorumented along with Cho analysis result
In the data sacwity managamant ayatam 3
Iwarning matariat and a basis for continuous
improvemeet. In addition, BNI has a Security
Incidant Reaponea Taam iSIRT) that acbwuly
Pendis Ml internal security incidenta.

. Identification af Threats and Suspisious

Aetivitiee

BNI pronctivaly identitas suapicidun
activities and cybor attacks through ihrest
Maning activitins, including handling and
shutting down fake websites that ciait ta
tepresent UNI As 8 preventive massure
againat fraud, the Cyber Tihraat Intetiganon
Team reporis Indicatons Ot debit card
tranasctiong seposed through fake wobsites
30 minimiza potential risks 10 customare.
Inforenation Securtiy Education

BNI continuously educates Its employoes
and tustamars to raha awaranana. Of
IWormatian securny Meks. Inclading by
@reouraging secure Wanseztion practices
kuch 26 kesping paseworde and Pine
confitentim. Educatian Is provided Intough.
various media, such us wher customers
contact BMI Cati or through sosial media
patforina on the Inetagram account Sana
cuntomerproteotioa. Tranaaction security
Intormatian and guidwknse ar alsa
aveltabia an Ie offisial websita berco,id for
varisus BNI e-Danking services, including
Intemat Banking, ATM, SMS Banking.
Mobile Banking, and wondi by BN

Fraud Detection System (FDS|

BNI protacts thn seturity and convenlaman
Of Ita customers by operating & Fraud
Detection System (FDS) that monitor
#uepisioun trananctkane Or debit cenja,
aredi cards, and other e-channais.
Regular Security Audita

Serudity sudits are conducted ragulariy
10 sise35 the ailsctivenese of informatkan
security ayitem controle and Identity areas
(hat regutra improvement Or enmanganant,

Pama mabidiy Rapat 230
1 Here Magann arema (Perwal Tuh

3NI

Sustairatie
D firoen

Security Integration In Product and Service
Devatapmant

Data protection aspects Wrs Integrated
into the product and servita development
Process by Involving data metutity and
privacy functions to ensute compiancs
with internal atandaria and appicable
rngutations,

Data Loss Prevention IDLPI

BNI tenplomenta & Data Loss Prevention
#vatarm 28 perimetar sacurity ta prevant
crederitial data thslt and unsutharined
@ocene to vonfidential information.
#ndpoint Detecrion and Reapones (EDRI
BN) knploments Endpolmi Detection and
Rerponsa to monitor endooint activity In
rum De and respond guwck?y to aecurity
Incidants arid potential threete.
Network Azcess Controi NAC)

Network Access Conarai & Impwmantad
Io strengrhert network access contra and
management, preveril unauthorired accosa,
and ensure Ihar conmectad dewoos meet BMI
security standards.

Eneryption Tecrmoloyy

BNI uses enarypton technology to protect
Internal data wad customer data, both
stocod and tramumitted, in order to Imsetain
Uhe contidentiakty of Infommatian froem
uneuthorized parties.

Security in tia Software Developenerit Lite
Cyete SDLC)

Biterad in Repari BIG
PT Ane nppara Iretepoik (Paerknnah Tab

Corporate
Bustairabitty

pndushan
Y ynipasjonre

Every newiy developed product, application,
01 serviba at BAL goes Ihrough tie Software
Developinaan Lite Cytie (SOLC) process,
covering comprehenaive security controls.
Wuch ae risk assesemant, reviaw of design,
code, cunfiguealion, and penetratian testnY,

| Apolisation Secuvity Assesament
BNI rogulary — candueta — secutity
astegemantk Mo Identity penentimi
foopholes or vulnorabilities in appiicatione
through Panatration Tusting, Vuinerstilay
Assusumest, and Application Security
Testing, Inctudiny Static Application
Seturity Tosting ISAST) and Dynamic
Apoktatioa Security Testing (DAST).

m Lightwnght Directory Aacess Protocof
MOAPI
BNI bnplemente sdentity management uwng
@ cengralized Liyhtwoiyght Directory Atcesa
Protocol (LDAPI tm fatilitats sonsistant
“0c0se Nge setlingg In mccordanee with
security principles in granting user access.

1 Privilaped Aconas Managemen PAMI
BMI implementa — Priviloged Access
Management (PAMI 10. provido spesiai
security and conirad for aroounte with
#eveted sccess rights (AdminSuper Usari
through activky recording and permission
twerriebara Io prevent abxana Of authotity,

Information — Management — System

Certification

1 aoa7ooi
BW knplemente an Information Security
Managamant Systim based on the
Intwenatianal standard SO 27001 ae the mam
Toundetion for managing Information security
Iimka in al operational setivitias controfled and
manaped by BNI At the and ot 2025, ISO 27001
certificatian coweted the Open API of ad (OK
BKO digital plattorme.

2 Servise and Organtextian Cangral IBOC) 3
BW har mdopted control atardardu. based
on SOC 2 cuvering security, avallability,
contidenlality, and pelvaoy, wiik 8 nyata
toope that inchudes core banking, ya semir
Irermittancel, yo trust firossuryi, and yo trade
Mtrading),

2 Uptime Institute Tier Gertifemtian ut
Oparatisnal Sustainability (TCOSI
BI obtained Tiet M Gold Certification ot
Operatlanal Sustsinebilty for data centar
managormant, which curentiy covers tha BNI
Dua Data Centar (DIK) Sip bedeng

Going forward, BNI piana to yradusity improve the
Impiamantatian and verificetion ot ita Informatan
#ecurity managamen? system to over al
operational units under the Cempany's contrai.
his improvemant Is almod at strengthasing
#ecurliy In digital service unik. mpporing
Infrastructure, and uperational functiuns that have
'high mxposuru to cybar niaks and data protection,
In Kn wiIh businasa developmments, operational
co1mplenity. and tive dymamica of the riska faced,

The company Ik Wika commettad to making
sitatoyie Investimente to atrongthen internal
Information management security and protect
sumamar manset By reterting to eytiarsecutity
thamewaris and international standorda, such
an ISO 21901 and NIST (identity. protost, detect,
rempond, recoveri, BNI ensuret the relinbility ot
the digital »yatama it uses. In 2025, there ware na
complaints reyardIng privsey violatians or lose ot
Sumtamar data. men

Raising Customer Awarenass

BNI is committed to raming cuatomor awaronesa
ot 1he importanca ot data sa0uray in ardor ta
peeveni snformatian Isats ani dvbrerirras. Ir line
with tha Financial Services Authority dieoctivea,
BNI actively #ducatas customers about persanal
data protection thecugh various ofihne sed Online
communication media. BNI uryes dustumers
twough these disseminatian afforte to keep:
sensitive inlormation confidential, induding
transastion PINS and OTPs, and 10 kmmadiatnly
contaei BNI Call If their card Is loat or token, Or if
they dincuvat any suapicous trensectlona,

Personal Data Protection

BNI & cormitted to maintaining ihe confidentisity
and socurity of customer personal data by
compiying WEh lawa and ragudatone an wall ae
Internal poksiss. BNI prohibits disctosing customer
datatotrird partea without the customar'a consent
andior other vuid legar grounde tor processang
Iw addition, BNI has #stmblished polcins that
gesrantea customars' tighta to accene, corect,
withdraw congant, and ragusat Ine debetian Or
wpdating of persona! data

To sahance the protsetion of personal data,
BNI #npiements data protection polities and
procedures that compiy witn lawa and regulationa.
Including tis Persesal Data Protaetion Law (POP
Lawi, and cover the entire cycle ot persanal data
processing wEhin BNI Poksies and procedurea
relatnd 10 personal data protectkan are ala
developed and standandued In each member
company of the BNI conglomerate to ensure
campiance wah tnesa provitione, BAY internal
procedures further regulate the assessment of
partnerelvendars in processing porsonal data
to ensure Imey consistantty compir with their
personal data processing obliyatons under the
POP Law

Panama Rapat 2006 NIA
"wa Megan wairewa Pem Ter Mba

Sustairatie
» siaran

SBNI

All celieotion of custorner personal data inproviding
Pendusta andior venvene Ie caerind Out basad an
@ lewlully valid basis for processing, including
Dustumer coesent, sontrsciusl selationahips. and
tutfilment of legal obilgatione. BNI is committed
to minknlaing data teguesis by ensuting tivat Ie
personal data regussted troen sustomers 2 limuted
to Information that is trah nacsasary relevan, and
peuportanal to Ihs purpose Of data processing Dat
has been previcusly commuricated to customers,
wueh ag for secount upaning, loan apgiicatiana,
and bill paymerits. This information is ptovided
10 customers in the terma and conditions of the
penduat andior service and In tha privacy nobicwu,
which are peepated In #coordarke with appicabhe
regulatians and the Yank's Internal policiee
1 supalated In the Personil Data Prateenan
Procedure. BNI also daes nat collect personal data
#rorm customers or tiied parties, uniese reguirad by
law.

BNI demonstrates Its commitment W persunal
ata protaction IPOPI regulator by astablishing
4 Personal Data Protection Steering Committee
responsible for providing stratagic directicn and
Macisione rulatad to POP implementation. This
Sirering Committee consats of tte Director at
Hurnan Capital & Compliance, the Director of
Finance, the Dirwetar of Information Technology,
and the Director af Risk Managarment, with nor-
permanent members being Directorm'SEVPS
ralatod 1 the tapics baing decwasad.

BNI only diecioses or transtara data to third partiae
“e long 36 It has fuliilad Ihe proper processing
bawa, ensuring tnat Ihe entrictad and temponsitke
data processing  cariad cut, Moreover, further
proceseeng ol perwonal data Is tailored to customer
prefetances. behaviar and segmentation ta
#upport the marketing of relevant producta.

pndushan

Corporate
Y ynipasjonre

Bustairabitty

Aa a form of transparency, BNI provides a privacy
Petice Ihat axplana the marmarsama tar obtaining,
using, and peocessing customer personel data,
whitih can be socessed ihrough the Official BA
wabuite at httpsswww bni co.idWe-id/indivtoha!
bembaritahusmpriasi. Customer cansert dur
the prosesaing of such data Is obtained thtvugh
various BNI sorvice shannale, Including branch
offce4, the mandi hy BNI appfication, BNI Mobile
Banting and Digics.

AI custorner personal data Is #30red with mngusib
security, both In hardcopy and seftcopy form,
through as0eee restrictiane and technologicai
setutity cantrols In actotdanee Wwiih Internal
policies. In line with the principle of personal data
peotsction. BNI provides farilitee for custoevers
to manage tmelt perang data, Incksding te right
to otoosa correst. withdraw consent, and regusst
Melater or updating af data In aceordanoe with
tegal prowaskane.

Cumomare have Ie right 10 reguast BNI ta
terbinate the peocessing, delete, andiur destroy
user personal data HH in ne longar needed for the
purposas sat oat in Ine Personal Data Use sectan
00 If here Is NO other legal basis for Personal
Data Proceasing or H this is not restrictod by the
provisane, Upon receking such & ragusat for
termination, delatiom andior destruction, we
will confirm receipt, and we will peovide another
confiemation onea ina usar's personal data has
been dileted and/or destroyed as rEguked by
appliaadis regulatione. Conseguantiy, users may
pet be abis to resolvetusa UNI services If thay
@elata/deatroy thelt personal data, eihar Im part ar
imwbalo

In orderto compiy with data storaye reguirementa,
BNI stares users" persona data tor & years aftar
the tarmination ot Ihe conperatian relatianehip
with the user or for a longer perid W reguirad by
applicabis regulatiane (“Retentior Pariod”). As
Jorg as the user remaina 8 customer Or user of the
'bank's services, BNI procorses personal data to
support the provisian af banking #arvicas win Ie
#policatian of optimat data protecbon standanin
BNI regulater tha deletion and destruction of
usara' personal data with the fodewing provisione:
1 General Provisians on Data Delation
BNI may dalste andior destroy users” persunal
data rom Ihe system attar a #pacifiad periad Ot
time, wtvch Ie 8 years, mberety the data can ma
longar be usod to Identify tho user.
2 Exzmptione on Deletian
Deletiori or destructlan ot perwonal data ahali
not be carriod out H tie data in ati reguired
Io fulMit ingat obligatione, tuban maads for
Inidanen, taration, audit and #ecounting
purposes, or is still within the retention period
#8 sopulated Dy lawe and regulaiane

Training and Competeney Development on

Personal Data Protection

BNI peioritizas data vonfidentiality by stsogthening
mmpiayea awatenasa and competeney In managing and
handling complaints related to fimancia data. This Isarning
program 3 conductad regulariy at lesatoncea year to anaure
What all BNI sempioyaes remain adapilve to Ie latest personal

data security reka.

3. Data Destruction Standards
Whan dastraying personal data BNI
Implerments ressonakke and slandard messures
10 dustroy, delete, and mnsure that the data Is
Inecewurabia, using methode tallorad to the
1vp4 of data and sturage media.

BNI lmpiamenta Wata protsetion police by

aposying Ihe fobkoming standard and penceduret:

Data Security Standards Based on Clasaification

Data Clasaificatan and Soturity Pencadures

Standard Ereryption

Endpaint Device Secwity Procedutes

Applicarion Security Standardu

API Access Security Standards

Cempany Datanformation Dozumant

Distribution Security Proceduras

8 Datwintotmatian Security Procedures (Data
Losa Prayention)

......

These efforts are supported by the Implementation of 8 masarve information security campaign program
#hroogh varicus Internal communication media, suah 29 amali biaata, postari, and othar meang in
2055, BNI provided compreheotive training Io Alt eenpkoyesa. Induding permanent employeee, contract
@mpoyeas, trainees, and outaourted workers, threogh certifization and training programs on the

pentection of finencial and consumer data,

Pama mabidiy Rapat 230
1 Here Magann arema (Perwal Tuh

Corporate
Bustairabitty

Training

Consent of Customer Personal Data Use
for Third-Party

The uga at Dastamer perang! data at BNI muat tia
besad on customer coment. which is 4 sLpnslnted
in the Company's Guidelines (PP) an Persanai Data
Protection Procedure, protacting the customers
Matt to control Imwe personal duta, TNS control
mechanisn begins-ai the time of eroount opening,
when prospective nedtoenara ane Asked to give
Usir consert to the Gsciosure df their personal
data if nacossary, In line with the PP on General
Provisiana tar Parsanal Data Protastian, BNI
Peocessea perkonai data In sccordancs wiih ih
Purpose of processing and does nat usethe data for
#eondary purpases. Persanat data W not rentad,
sold, or given to third parties for any purpose other
than to complete transactiona, provide services,
me fulNit logat abligatione 10 the mutnoritias.

122

(be Impiemertahan ef PO Ma. 1) ai 2004 far
un

8 Pernanal Dota Protection Wetinar Senme- Unta
Pray Awarenses and Data Presertion

Cartiheatian

» Cerlitai Arti Fraud Manager ICAFMI

£ Ceriitad Ciiet Infunnagan Becurity Olfiser
tocamo)

& Certifad ndoresia Perernat Data Protestan
Offisar KCIPOPOI

$ Geriite. Informaton Seourty. Manager
Kesan

Tie Ginciomure Of personal data 10 autharired
ayanales incudes but la not limited to legal and
oampianos purpose, wuth 38 taxation, criminal
andiot chvk court prossedIngs, Cepita matket
time Investigations, handling af conuption cases,
and prevontion of tarroriam and money laundanng,
setille still adihering to bank secrecy proviskang.

Im praetice, the disciowure Of personal data to
Subwakariet and/or businesa partnera W Timited
to #pesific business octivities Im secordance
with predeterminad purpotas and based an
valid and dosumerted customer conkeet, The
Implementation uf persunal data protaction end
coneert mechankma Is manitosed and revmwad
periodicaly to ensure data security and tulfilment
Of customer rights as & Subibet of Personal Data.

Heromihani ewe Beriraitac

berjasa #naures INat ita data security Managemen
#ystem for supely chan management Indodes
Protection for suppiker and busineas partner data,
Indtuding personal. corperata, and tramsaction dala.
The implamented procuremant #yatsm is sgupped
With Informatia technology security 40 protect
data relatnd 10 1ranaactiona and work contraets.
Personal data protection Is alan apedied to supoliars
01 partnari who have BNI accounte in accordanee

with applcobie rngutatore,

BNI also integrates ciauses on personal data
Peocermng Into Ite ceoperatian  agresemants
with third partias in the form of confidentisity
agroemanta'Nem- Disclosure — Agreements 01
Customar Personal Data Processing Provisiane.
These provisione slipulate that In coopsratian
“with suppiiara and businesa partner, customar
Hata may Only ba used tar he purposas ot
Imotemanting tis ayreed coopetation and nat for
any other purposea.

In Rs cooperation with vendorspartners, BNI
mmauteos perronal data protection to #raura
sompliance and to #valuate the vendarspartnee
tendinesa and commimant bo personal data
Protection when processing such data. BNI has
#etabiibad epacifis eriteria for vendarspartners
working mh BNI tu irnplement personal data
pentectiom and appiy Information technology
security medsuras.

Every € montha, BNI unita Ihat cooperate with
vendorsiparinera cenduet a periadit aksasamant
04 personal data protection, based oh a risk matilx,
and monitor ihe comantmant to personal data
protection made dating the aesesamant.

Cybersecurity

In maintaining operational resilience memid
Increasing cyber riska, BNI has aduptod the
National Institute of Standards and Techaalapy
INISTI Cybersecutity Framework as &
oybersncurity managament framework that covers
risk Identification, syatam protection, Incidant
@etection terponan, and pecovary, Tihis frmmuwwati
pervesasthe basis lur INlinensuring tie continwity
Ot digtat banking services. Itu lmplementatran
Is strengthened hy ISO 2POOLAOIT cenihcatian
for Open API Services and Computer Security
Incidant Responee Team (CSIAT) sertificaman No.
MSC SIRT.OLONBSSN/04/2024 (rom te National
Cybar and Crypto Ageney IBSSNI, which contirma
that BNIE Information sorurity managamant
avatar Ik suatuated and Kudited perlodically
avary Biree years in accordance with international
stangarde

Along with the increase in service digitalitatan,
BNI has conwatantiy raduced ita dopandance on
piyekal document-based procestes and manual
Interactions thruugh a customer-to-system and
umpioyse-to-aystem. appraset, To imiigate
the risk Of data laaka, security 4 Implemented
On dil mndpaints through system confiyuratoo
bardening, dormain Intagration, the usa af antivirus
sofiwwe, network accese management. device
metivity monitoring, and the implomentation of
various data security and workstation mositanng
tools. These medsuras a15 designed to maintain
the sonfidentidity and Intugrity of customar
Information at ali pointa of soceee to the eyatam.

Data Breach Handling Mechanism

In tacing the risk of informabon and data security
broaches (data breechesi, BNI has implemented
& mtructured, coondinated, and sustalnabia cyber
incident handling tramework. This framework
dina to enture the confideetislity. Insgritv, and
avalability ot data and minknize the Import of
Incidenis on the Company 8 aperutiong, custernera,
and reputatian,

BNI has formed a Security tncidant Response
Team (SITI consisting Of orose-tumetional units

Pama maba Rapat 230
PT Hera Magann atarema (Perwal Teh

NB I y Wesratia Corporate g "akan
3 3 Siranen #entairabitey md Rasfoenoa 2—

rorponaiblo for managing and handling cyber incidente. including data sacunty brosahes. SIRT is led by
(iya SIRT Coerdinatar and supported br various rwiatad tunetiang, Incbading the Ohist Intormatian Sacutny
Officer IC1SO1 Division, Secutity Operation Centar (SOC), information technology, Nok managsrmeri, legal.
0mplianes, customer service, and business units. Under the coordination of the CIBO Owisian, the SIAT
Coordinator is respansibis far handling Incisernt condhiona, aneuring risk mitigatian taiksm-up, compilng
and reporting the results at Incidset handIing fokem-up.

The process of handling information security incidents and data breaches at BN ia omrisd cet Ihtough
four main stagan, an fotowe:

Pegatatina ms Pesaing

UN #ntutes Orgmiratirrat readiness in dnailng Win cyber bonita Dy eeliblisting SIT tube ara
rewpoasitblities, devainging incident terpanas procrtutwa. and sundinating acros funstiae. At ftis
atape, BNI alan mesra Ih raadibasa #firdraetructura, xyaterne, and human resuurzen Invetuad In the
incidovt handing prvzess Ihtough simulatiosa and triaie.

Date eaa and Anenyata

Karty detection at incitente in serrint mur #ontinususir Sresgh security mentoring by the Security
Oparatian Carter (GOC): The GOC cendusit murituring. ptelitinary mwonigalisnn, and anahysia af
Security everea wing varlows augpurting tools, eludiny denettica salome and Iherat Inseltyance.
ay Indicatkan at an meldent, including a patentini data brwach, ie analyand ta detnerine ihe aewarit
1 c0pe of irepast, ang mak 35 mparatiene and rurtormara. Thi process involver cnanentan with Meh
Managesert Funztiss, Arti lrasd Unit, regional eflicesibrancbes. mid relevant butinese urita

Mitigatun sed Pevewarp

Duting the metipatan shase, DPW imolermargs cantrut menetes I9 sreweni Ihe kndidest ram apramding.
Incbading Incketng atlectai westame kentmamant, Mogging tie snaron af ih atiadh. md Saing
vubreratsitiae. BAK alo came nik #yatam 2nd servira rasoyary pnsesaaa In #reurm that Sperakong
(eter 3 Kera mhile mairtaning Mate security mesen Pe itigadon procese ia supported by
Wotat torensa to deredy the root crume af the nosterit and premeert sim har Inci dent ie Ine future Under
Keran cendana BNI may ala acbuta ita (waste Nesovery Plan (DMIPI In maintain service and bumrwea
turbin.

Nepartiny sed Evaluaiman

Eavry croer inident. including 3 data brases, is comprebemsivaty dncumarted and repsrtod
by te SINT Coondisatws. BNI coodusts pset iideri avolueGoh tu antre ihe #flaztivengis
ot banging, idarefy areas Ine Improvement. an sirangihes Information security centrok, BII
Nan anturee compiance Wih regutitary travirenestt By netiying thr rmevwet Butmaritine
in seconbanes mith ppirakin repilatinna and prepating commurksatiane 45 stakeholders,
Inctu ding merta mira and the public, when socesaary.

Walatione Of Personel Data Protectiot proviniane wedi be fullowed up In #ecordanee with appicatile
#mptoyes dedpinary provisions. BNI smplsments a Gsdpiinary senction mechanitm. ranging from
damotion te tarminatica af ompsoymeni, based an the teval of wolation and Internal provisiong, ae part ot
Its commitment 16 esponsibis data governance and protettion.

134

Serah By Meperi 2G
PT Meri Pengara Irekerani (Fara Tah

Audit and Oversight ot Information
Security Systoma

Te evaluation and management ot data and cyber
security Impseta are carded out continuousiy
throagh the application of the Ihrer lines modal,
sehich Ika governance model that dividen
@yanizatioral functione into Ihtes Independang
llnos, parely tat Line Moles (flek Owner. Ind
Line Roles (Blak Controli, and 3rd Line Roles (Risk
Assurancel

Cvdersecurity management 1 caried cut dy the
Chiet Infoernation Security Officer (CISO) Division,
which in meponsibie for taking preventive
"meayurya. Identifying, analyang, investigating.
and recovering Informatian security incidents.
Perlodically, the CISO Division rapurts its
rasponsibilitias 10 tha Director of Informatan
Terhmolopy at BNI as part ef management
ovarsight.

The affsetiveness of oybersecurity managarmeht Is
#vatumted through information security sudita and
##-axasesment conducted annuaily hy Internal

Cybersecurity Competency Training and
Development

In Nine with the Increasing cumpieaity ol oybersecutity
thrsata an the banking sector, BNI priaritzes anbancing
compatency
Gavolopment. BNI consistentiy organizes comprohenahe
ewbersecurity training and certificaten pregrama to anaure
(at all BNI emptoyeet have the awareness and axperikt
10 Identily, prevent, and respond 15 potential Information

Great tenllance Ahrouyh— mmployes

Mudit. In 2025, Internal audits focused on audite of
the CISO Diwsian, audit ot Vury Critical Category
Tramacnonai Applitaton Access Management,
@udits af the Financial Information Service Systerm
#SLIK) ISO 270012022 Information Security, sudita
Ot Personal Data Management (Systsin), and sudits
2 payment aystem IT. Meanwbilie, external sudita
are candustad annually 30 enburu compliancu with
#podcitie reyulabenistandarda, coveting audit
policies and procodures, service avallabllity levela,
Intereonneetian and Interoparehiiny, sasurity ot
Supporting network systems and application. data
and information security, disaster recovery plana,
fraud managemant syatame, and transastion audit
trail

BNI ateo krvobwns tikrd partine to necese IT security
ttwough security essmsementa (oenetrartiarn bestireg
O4 syatamalsppikabona BNI regulariy raporta the
results of hose aesaaamenis to rngulatoru.

weurity ttwsats, Empioysas who recolve tika training
and cartifcation Indude permanent amployses, condraat

#mpoyees, trainses, and vutsourced workers.

Pama mabidiy Rapat 230
1 Here Magann arema (Perwal Tuh

» Kak

Customer Satisfaction Survey
BNI has once aya achiaved & natewatthy
@ccomplihment through the reswits ofa Customer
Satistveticn Survay, which cankad INI ax cas of ihe
Arareis Institutione with the highest uatistaston
ratings. This was demonsirated through Ihe
rorulta of the "Bank Servise Excellence Meritor
IBSEMI 125” survey conducted by Marketing
Researah Indonesia IMAN, In which BNI ranked
firet an the Host Conwantianal Cemmarsial Bank,
Tiba acniewwmant Is & true retbectiom ut BARA
somwtmsnt to peoviding. #xceliant, relevant,
and oestomer-onentod server at avery point of
Interaetian,

136

PT Mera PengaraIrekerana

Corporate
Bustairabitty

“ Lending Dusisese: The Future af Banking «
Aruficial mwdgares & Msokehan engcasan

Daily Onis/Dndy Exercime far Empinyaw

Program IDEEP 48)

" @bckotain

£ Secarty. hwerenser — Osta Oistnbutan
sen

2 Besutity. Anatensas » Endpwii Devus
Securtey

Cariifention

» Certifad Ona hfunmasan Sacusity Offeer
Das

Ceriifad Cina Secure Pratansiorai ICCSP)
Certifad Irtosmatiae Becuray Manager (LISA
Cerieid Intestpalisa Syatam Asditue (SISA
Cerita in Mink AInbematisn ruam Goro
tomsr

COST £ Fewndetion Cersiicstan

COMPTIA CVT

COMPTIA Benaritya

ITILV Towedetion Carifieatna

The Open Tisup Arehitectase Framewari
Mikrotik Cretihed Network Admirsitanar
INTCNAI

Aa part ot ita service guality managarant syetan,
BNI uses & Customer Satistsction Survey (C9SI
ana parlodic #waluation tool 10 asneen servion
perfanmanta tram the perapaciive af beth wxtarna
and internal user. The turvey results ab one
of the main Inputa In the process Of Amproving
service gualiy and retining the Banks businuss
processes. Tha survey Is conducted besad on two
aspoesti of avahsaton, as followe
1 Business Satafacian Survey (BSSI The
#utvey Is conducted amang customers at
dobtoen from the Businear Banking sagmant
ICorporatas, Medium, Small) and ihe Awtail
vegment (Emerald and Non-Emersidi. This
survey evaluates customer satafactun basod
On the FPx product, price, place: promotion,
beopia, process. and phvsicai environment.

2 User Satisfaction Survey (USSL A survey A natislacSon mensurement approach that
conductad Internaliy at BNI Ihut wime ts Includes external and Intarnal perupartivas ullswa

satisfaction with he BNI to gain a comprshensive picture of Eh Gamny

mansure ih level «
performance of services provided by divisiang/ — cf services provided. Feedback fiom CSS is used

unitan

Unesional uns, and at the same Ema ae ihs basis for cantinucus Improvernant serose

provides Insigit Inta Impeoving serdes ali serviss Imes, In 2025, BNIS CSS #0016 was

guality in each unit survayed. The ansesament —rorordedat 443 On aaralu of 1-4, an increase from
mapacte Im Ohis survuy Include: eoordinatan, — the previous yant's wcoda Of 4.28
cemmunication, cooperation. work tesutik

output, work processes, commitmentiSLA, FP

@mpinyess, and prewision Of dataketormatisn 8:4

Beate 19

Handling Customer Complaints

n. Ineluding complainta. eriticism, and tendheck, 28 peri ote laarung

BNI treats evary custooner interas

process to Improve service guality. Therefore, BNI has established 3 complsnt handling mezhanium

based on a Servite Levul Agreement ISLAI, with verbal compisi ad within a maximum af &

eta

9 daya frorm iha date the

working days and written complaints sesolved within @ maximum of 10 wan

dotuments are dediared compists, and can be extended fov a furihar 10 working days. Customers can file

somplaints Imroug the C

taot Centot, branch sfficos
nya BNI feature on ihe BAN Mobile Banking ap. The

various official BNI digital ckarinsis, including

social media, WhatsApgi, webetes, small and the Tp

" Divimwan

@ntire compiaint mandiing procese Is centrally moniturad by the Custorner Experience Cam

tor of Operations.

under tha super

A cara BNI Cal
Kamen: tANOa ustorre wait ta

wave BMI Branch

unurvers vw the wabah
mere div hd ara an

nat WA Lin meme

mwouy
& Tampa MIL on ENI Mobile
"WN WistsApp
M6L In BAN 1-han

Pama makin Rapat 2076

ASBNI » Yusrdinatia Corporate ap "edan
ENI siranen Buntasnabitty ud Ranftena AL

BNI rospects the rights of customers to a fair diapute resolution. Therufare, if ihe compiaint resolution
doe8 not reach an agresrment, custarmara May cantinua ta #ettie the diapute through #xtrajudisisi chareats
@1 the Financisl Servitas Sertor Altenatie Disputa Resolution Institution ILAPS SJK) or in couet, in
@ecendanc with the appli cab leyal provisions and thsir choiee.

plant

Fa
5
H

BNI utilizes an integrated customer journey application to centraify manage sustomer complainta 2cro2
Al! service points. WIIN an omneshannel approach. customar data received from various shannais con be
#ccessad ina angle syatam, enabling consistent recording. momitaring, and resolution ct comp4aintt. The
ayatem automaticalfy tanda notificationa 1D customera when the compiaint procore has been cormbpietod.

Wurnier ot Compiminte sit Perzantaga af Neanlution

999 99 Mt

Nurear at Hanan
Camwainta Mesranya mw

Ga Ge MG xo3

Trenughaut 2005. BNI recorvad varnsus Interastiang from customara. dommatad by ragusste far produat and
service andormatian (D7. followad by rerussis foe changes to Oastoner data (20 098i, coegtaints (Ate.
and transacbore (LANI HN remains sommitted to reselving customer Lompiaints in acoordanos with the
Servisa Leval Agrearnant (SLAI To resolve complainta in accordanga witn 1he SLA, BNI coatinues to improve
IN Business pencrsaea, #Ohance smplayee cepat itkes In processing complain rewalkkang, and apgruwe ita
technoloyy systmma to enable sutornatic compisnt resolution.

To ensure tel custamars du nat secounter ditfcstiae In cosekocting transactiona and ae protected Item
onmina octa BNI consistanily educates cumtomers about banking solutoma, safe ansaction Ups. and abaya
baing vgilani againat banking orimas aa part of ita songumar protestian activitise. Consumer protection

Setanahin Repari 2G
P1 nan da vunia Perwa) Tab

dissemnation and educaton are regularty carried
sut by BNI throragh online and stilina mada, and
BNI Boani of Dirsetors alan partizipates in providing
such diasemination and educaten.

In addision to complwnte received: directly, the
Customer Experience Center also handies complaints
seumittad twcugh the ragulatora, Induding the
Consurser Protection Portal Apghcatien (APPK)
wned by OJK. Furtheemore, BNI royularly reports
ah Ine handling of complaints reimed to fmancal
mp3cts to Bank Indonesia through the Antasana
application four timus & year and to the OJK through
Ine siPeeMi application twles O Yon,

Governance Oversight of Complaint
Resolution

BNI tisats customer compiaini menagement agan
intogral part af 18 governance and ruk management
uyetem. The Board at Direotare Ie responsibla
for complain management performance. and

Customer Experience Contes Division, as the unit
responsibia tor managing customer compimnta, &
reguired to subenit consumer protection Faporta.
Induding tustumer complaint reports, at lssst twice
& year to the Bosed ot Diractorw and the Board of
Comnisstoners tetora reporting to Bari Indonesia
and the OJK.

BNI also pays special attention To Bandling Gustorrar
Dompisinta related to retail credit coflectiua by
cpaning 2 special hatica number hat will bm dirnetiy
anatied by the Compiaint Hancling Unit in te Petali
Coliecrion & Racevury Division.

Aside trom Ihe compkance ampeci. Customer
complaint management Is also usod as a paramatar
for mesauring reputatonal rek Repotational nek
peufile discussion Ie conducted In & structred
manoer throogh Board of Directors and Board of
Comimissisnars mustings hekt at last tinar tema &
year to ensure that potantkal eputationat risks cam be

Is monitured by iha Risk Monitoring Comwnittae —Identifiad and mitigated promptiy.
A the level of the Board of Commissioneru. The

Consumer Protection
Customer Financial Protection Policy

Financal protsetion for BNI cuntormeri 4 providad Iram the sariy stage of Ihe banting #elationetip
Inroegh analysis Ot Ihe profiik and Gnantial capahilities Of prospective testomars, 10 enam they
understand the product and to prevent the granting of financing that excoeds their financial capacity. BNI
applias the principle af prudanoe in setting Bewtn. riak criteria, and the Lao Gi data ananysie to ahjectvely
#ss8se custorneri ability to pay. Under certain conditlome, BNI also provides #estructuring or financing
tacilny ndjuetmant options for cuxtonare facing financial prassure, anabling then to koep up with their
stingabane

Tia approach is supported biy consintent protection mechaniarne ttroughout tha financing oycle. including
during the credit Guality monitoring and customer obligaton #etskenunt mager. Consistent with tika
(peincinia, the eredit coection process Is carrisd out with & high ragard for ethics, privacy, and customer
digrity. On tha other hand, customar data protection and Information security aro top priorities, which
are managad through ayetem atrengihaning, intarnai pabeea, and continuous manitoring to makntain
Customer confidence and banking service siability.

Pemamabat Repost 2226: AA
"hwa Megan waarewa Pewei Tet Ma

AI BNI Susrinatia Corporate padam

2 2 simasan Suntnirabitty Dri ranpionee

Emptoyes Training an Customer Financial Protwetion si»

BNI consistentiy enhances employee capacity in the ampest Of cestomer dinancial protection thwough
#tructured and contrwous training, Tiis Craining 16 dumgned 10 strengthan conduct risk management
by #nsuring #mp3oyees understand their otigation to provide cisar. mocursis, and nom-islsading
information about financial products and services. Through this competancy devalcprnent, BANI
#eourages iranspareni and reaponedbis talas penctitas while buriding & cufture of senmee That port
(he customers" Interesta, security, and financis protection.

Empioyeas who receive Dis Irareng we permanent #mpinyes4, condraet empinyuee. Tanges, and
owlsoursed worker, Induding Relationship Manager INMI and Frontfiner, such «8 Customer Servke.
Tettars, and Emarald Service, who Inturact diraatiy with customare During 2025, the seope af traming
Felatad 10 custorner financial protection Ineludae.

AT tits

|
mith tapka covaring Educatien & ' wesistny ol permanen empoyors.

Awarnsess cf Cossaner 8 Commusity cantract em ploveoi. Irainers, ang
Proteetern, Aati Fraud, and Geranty sutasurtai wartere Lazh mmpinyaa.
Awarwane, | #wetivea an metraye ef Duaising

session per pes.

Ethical Credit Collection

BNI implsmentz 3 credit calleotion policy that
peloritizos a persuasiye approach atule rempacting
the dights and dignity of customers. Ceedit
saliestion far the rutail sagmant is carrisd out by
Internal Bank amployees and thed-party collection
service providers under a Cooperation scheme in
accordance with spplicable regulatiome. Tho engire
collection ptosena, both intarnal and sxternal, Ie
mantored by ihe Retail Coliscton & Recovery
Division.

Tire collection process Is carried out In mecordance
with BNFa Internal policies and procedures
38 atated In Ihe Company Guidulinas (PP) for
Retail Collection and Recovery Divisian Work
Prooodursa, ae wall ae rofarring to external
penvisioma, mpesifcaly POJK No, 22 of 1079
cancetning Consumer Protection in the Financial.
Services Sector. This policy atipulates that crodit
colisetion rom consumars must be carrbed out
In seoordance with prevailing social noome and
matutary ragulatona, appiying prinopias ot
wtrece and prapriaty, and taking into account iha
Sircumstanass and ability Ot comsunsets In Ihe
solisation process. One form of ethical solloction
Wodelires includes
@. cellaction ahall nct be carrid out using fhrsats,
wolamae undior sobone that dagraco the
conaumer,
bb. collaction shah not be carried out usiny physical
ur varbai pressure
8 tallaotion shali net be carrad Out 10 partia
other than the consumer,
& collection sha not be carried aut continuoutiy
Ina disturbing mannar,
2 tellaction shall be carried out at the billing
address or domioile ot the conaumar,

H. collection activities shell only be conductod
from monday to saturday, aweluding Matana
holidays, between W0D AM and 8:00 PM local
time, and

O ceteetian setitik ahall be donductad
In #ecordance with mpplicabie lawu and
regutatone

Im general, Iha collection mechanism begin with
petificatione through digital channela, such an text
mestages (va WhatsApp|, voice messages phone
cela using Al technology On this case, Aobo Colli,
and phone osla by collection officers, sa wall 28
Greet visits by officeru toe dalitore wna are difficut
to contact. In Its collection siforts, BNI alsu Isswes
& taries Of warming lattara (Warming Lattors 1, 2,
und 7) basad On the mumber ot days the dabter M
in areas. which Inddude hey information such 48
the dua date. sumber of daya In arreari, principal
amaunt, and fase In secordanee wiin POJK
regulationa.

Im addition, coliseran Ie also carisd out ty
cullaborating meh speciateed euliection sena
peovidars for defautting debtore- BNI ansuraa
Ihat every callabaratan wih colectiom sera
providars Is carriad out by pelaritiring the principle
Ol customer data protestion, tompiying with
Bani rugutatione and oversight, and mandatary
odherence to the appicalile code Of ethics

To naura that Ihe credit collertian procese Ie
came Out protessionally and sthicaliy, BANI
conifucts contincous training programa for staft
Inwolved In credit coliwetian. Te Informatan

can be found In the Emoloyse. Compatancy
Devolopmant Rasiraton Data section.

Pamamabdiy epar 200
PT Hera Magann atarema (Perwal Teh

us arata
siranes

NBNI ”— »

Corporate pndushun

Seret mu Ranjarnne

Loan Restructuring and Modification Options

BNI offers testructuring and loan modificaton
optione for dabeora facing fimancial ditficuitas
Te testructuring axherpe ia Omigned based on
repaymant ability linooma-based repaymant)
und Implumanted in aceordance with appicnbie
tegulntione, Ineksling referring 19 potcie and
Peocodures related to rasirurturing 28 utined
In the Credit Ceenpany Guidelines on Cradit
Recovery and Sertiemani in Ihe farm af reduction
af intereat arreari, datarral of principel paymunta,
daterrak ot wasrest paymanta, and adjusemant ot
Instaliment sesedulratamounte. Restusturing Is
sarrlod cut basod on the principlas of objectivity,
Indapandunte, awoidanca Ot confilcts Of intersut,
and falrness. Each loan tn be pestructured must tis
analyzod basod anthe debtor's Dusirear prorpecta
and rupayment ability In accordanea weh cam
Now projectione, and restructuring Is decidad try
the restrocturing decision makor (ln this sasa, an
@hicul who Is net Involvad in granting the koml
oran official higher than the loan decision maker

BNI #nvuras that customaru have accawe 1D diaar
Information regarding testructuriny optore and
apglicatian machanama, 38 wali 38 resiructunng
inetaliment semulatiang from collection offcere
Assesaments are conducted obiectively and based
20 risk to support Bhe sustainability of customers"
businovaas wnda maintaining the guatty Ot Ine
bank's assets and risk manogement, tharehy
"raating a balance betwann business Intaresta and
soneumer ptotection.

The rertrocturing schame offered to dabtors is
based om their Bmansim situstian and the latest
business conditions, Also, & writtes simulatian
ot tha Instalimanta aftar restructuring is given
Ta customers bataru they and HAN Wan the
restnestuting agreement.

Srraadin Pepe BIG
PT Meri Pengara Irekerani (Fara Tah

At the end of 2025, BNI also provided d Ivan
resirerturing relaxatian pokioy for dabtars aftected
by disastarn Im Aceh, Norih Samara. and West
Sumatra, The policy aimad 10 hap Yusinore
Banting and Retail segment debtors maintain the
Oepartutity to secar hair Tinenciah condition
and continue thsir busineas acirvitise after being
aftucted by disartura. Special treatment for loan
resinetturing sehemes for certain regiona andinr
eztonu affected by dinantars refera to the axtarnal
provickone af POJK Na. 19 of 2022 eomsarung
Special Tremtment for Financial Services
Inetitutiona in Certaim Regione and Sectors In
Indonesia Aftwcted by Disastars and has bewn
Outiinod in the Internal provisions documentot the
Credit Prosedures Committaa (KP) Desisan No.
TNIOKPP/2025 dated Desember 12. 2075.

Meaowhile, further intarmation regarding Ih handling af nan-performing loans has been provides In
BNI4 Annual Raport, Chapter Credit Riak Management.

Flaw ot Mandiksg Non-Perfarmin

£ peviaw
Priode wan akakty yevww besad on « wan 0m
Na Muba ati ear Der eh bana
(conan at repdany ensamata Danra Pan on ate idatea Me
ad Ie Bana rana petakan. Peng pobsias Muna maan
“bas mete, DM srnana ks

Pwnun fe sallasikar are anderrast

nana

1 tnya hiapama Menma Tag
Teman

Du Sngpa innayatat Mantarny Tosi
(BWOM le merasa to ind ta
erat date ina lepas ta madenng
ani eropa paraan
Wont OiEY 0D ha ipa: setau buah temtoinn.
Yel Ob mnstta Wonorg Ik era Kebaya tanaka Sani
OA MANg DA OK M0 Maa aw " pekaaenanynl
Maine, mhn Kan be sa an Basis O2montsate mtk tendattia
Ne snsd rtakay tar merta stan
eni turbo atas gading dattara,

&« wereng

Merening damar tetinmar ol ebipanoa. Bam
co sat eharg sed ba carer aon perban,
kutai, Io una #Pertes banig and mantan

das uan,
ettructariny iba bemca od datatara watu KA bang

#evenvant capactr ard Geretaban gotd Ieti.in

Ms0rsante HE apyataha rapatkan Lo rrerura
tw post stite Buska senat

Bamamakidiy Rapat 0
#1 bea Megan arena (Peraanei Tuh

143

NB I 3 Wesuasa Corporate » pedushan
88 Siranen #entrinabitty md Ranhtenna -—

Responsible Marketing Policy
Fair and Transparent Marketing of Products and

In its marketing activiior, BNI emsuros that ali information related to Joan products and services In
sommunicatud cisariy. mecuratmy, and without maleading Information, including about the benafita,
fisika, cosis, and righis and obligationa Of customers. Fair and Wansgatent communication of products
and services Ia carrisd cut by cptirnizing the digital platforima owned and managed by BNI own medial.

Oversight of Marketing Policies

Product marketing practices are In line wilis OJK regukabena en Gsstomar pratwetian and BAN Internal
polkies en banking produat marketing ethics as outlined in the Company Guidelines (PP) on Marketing
Management & Porttolioe tor the Ratail Soymanti Intograted Marketing Cammuniationa Event
Manager, Spansars hiji and Advertising, In adsition, BIN also sdh aras to aximrneiregulatiarw, Induding
POJK No. 22 of 2023 concerning Consumer & Community Protwation in the Finanolal Services Sector
and tha Financial Services Advertising Guidelinas lesuod by tha OJK. This ansures Ba areountabiiny
ant compkance WII appficatis standarda, Policy svaluation and #efinemant are maducted penodically
ta ensure aligneseri with regulatory developenants, stakeholder sepestations. and best practices in the
pational and International banisng Industry.

The Implementation of martoting pelicies in under the suporvialon of the Board of Directors thwough
the Marketing Strategy Committaa, whieh consists of the Director af Consumer Banking, Director of
Finance & Strategy, Director ot Network & Retat Funding, and Director of Corpocate Banking, with the
@ommvitee meeting at losat twice a year. The Marketing Sirstegy Committee has the folowing dutiss and
#maponsibal ita

Prioratza BNI markating
sed erporata branding
Initistives/programs
(rsluding budget and
Uomelinah that have
algnitcant Impact on BMif'a
business and oporatone
end ara in Ine with BNI
Planning and buggeting.

Sestatah By Nepari 2G
PT heri Mngara Irekera

In ordar to enihance tramsparent and tesponsibis communication, BNI centinues to develop employee
c0ompetenciw Inrough various training pengrams and seminar, 4 presentad in the following tabim

Participant Scope
ara Wumpar 3 #reg
Permanent Carirsst

trasing Name

Karmat Perticipanta lmrttan

Empluyuar Employee an

Putik msinig ) “ v '

Mertome Pagar fat mhoces
Barera waising

Ethical Advertising

BNI conducts advertising activities rerponsibiy tv prioritizing #thical principles and compilance.
Advertising provisiona are regutatad in the Company Guidelines (PPI for Adveriising Management,
which semurs thwt intormatian about the Barik's ptodhesta und services Ik daliverud hanestiy, cina, and
@ccurstely, 20 that It can be easily ursderstood by customers.

Ja Ita implementation, BMI #asures That ali saformatian provided is not mislanding and minirass the
potential for misinterpretation betwsen the Bank and its customers. Tina polioy also mma to protect
Ie Intereats Of customers end the punlic and redora the potential tar disputos. Marketing materials tor
banking products and services, Ineluding Ihose delivered through digital media. aw prwparad and adapted
In accordanee with the advertising code af nthics and mpplicable lawe and reyulationa,

Bamamakidiy Rapat 0
rewa IPersaei Th

Sustairatie
D firoen

SBNI

pndushan

Corporate
Y ynipasjonre

Bustairabitty

Innovation and Development of Banking Services

Productand/orServicelnnovation
and Development

Theoughowt 225, we Company consistesily
mrengthened the fundamentala cf product and
service Innovation ae 4 manifestation of ita
commitmeet to sustainable digital wanstormahon
This Initiative Is not only designed to expand the
#wewasibility af reapunulwa financial sarvkas but
“iso 1 bulid an induaise, rekabis. and secure
Migital #zosystem. Keeping pace salih the dynamic
of a digitakfirat markut, the Company contiswas
10 mmodernize Rs Infrastructure In improve serdee
affciency and acsekerate the peretration cffinancial
Incbasion acroas ali sagmmente of socinty

The main pillar in 1hs Company/'s digital roadmap
temana tocusad on anretung the capabilitine of tin:
wondr by BNI appieation. As an integrated banking
platform, wondr by BNI provides comprehansive
wokationg for customer in meeting Inai daily
Wansartion needs, rancial management, and
investment instrumanta.

In ihe reporting yeat. the Compery reached &
raw mileatone with the launch of the wondr
mudtisurrency fasture This Innovatas alas
Dustortera 10 Manage Up 10 12 foceign currencise
In & single scovurt, offeriny cost efficiency and
Wansartianak convenience for cetornere milih Ing
alobal mobslity. x8 well as sepporiing crose-botder
#conomic Intagration.

The Ggital trsosformation het had & siynihcant
impact on te Company's operational capabiktiss.
The optimization of digami channeia has dilvan
an increase in tramsartion volume to trilions of

Pupiah. followed by substantial growth in the active
“see basa. This refiseta the Campany'& succonstul
adaptation to the evolving behavior Of Ie curtart
mobile firat customere.

In aduitiom ta Ninandal banatits, the digitalizawan
Of these services makes a rasi contebution to
environmental sustainability. by minimisng manual
penosasas and thw use of prysical dosumante
Ipaperlensi, the Company has sucoseded In
reducing operutional resource censumptian and
Its anvironmantat footprint. BNI Ie comimitied to
meintaining long-term  competibveness while
driving national linancial Incission through the
development Of selevant and sustanabia digital
products Every digital product developmen?
It communicated through netifisatione on the
wplication, 2 wali x comwyed dractiy throsgh
Oisserninatkan 10 Instihitians that collaborats with
BNI-and #ducation to customers by Irontilner at
beanch officas.

The Convenience of Digital

BNI atrengthane the prowaion of Inciusive
Nnancial senaces By uliknng digital teshnology to
rosah a wider community #coayatam. Tivough &
#ustainabie tranafarmatian agenda, tne Company
Integrates service Innovatian with efarts Io Irmpatove
business process officiency. The davelogenent of
Mgital bankng conveniances always prartias
(ne sustainabia aspeci of solutions, where cach
Innevetion has undergone an indepth crose-urit
review process to #esure ita relavanee ta sustorar
reada With & reiabis and continuous monitoring
ystom, the Company ensures that the convenience
ot digital ransazticen proviied ramaing within &
strong consumt protecekan frarmwotk.

Strengthaning Competitiveness Through Digitalization

The Company hes established digital wansformatian
an a atratogie pilar In strangthaning ita langtonm
sompotitivengss ta tacw escalating techaologkal
Awuption and Uh penetratiom Of” nun-bank
fnanolal service providere and digital baris. This
COmImtmusi MgAN Win Iha J0M-IARN Corporats
Plan, which aspires to become “The Bank with Best
Technology & People ati Core to Sarve You". This
saratagy Ie woplementad Ina structured manaar
Uwough ttves main aroos Of focus. produstivity,
platform, and proposition, which are tundamantal
10 the development Ot the Cempary's businnes
sapabilitles end technology resdience

In an affort In improve ogeentional aifacvenesu,

the Company integiates artifisial meliganos (AN

and doud camputng technolagies azross various

Ines af business, The utlization OT Al is aimeti A1

sirengthening rah management and coreumer

Protection through

“ Predicilve anatytizs: Personalited services and
more socutate Fak enalyike

€ Syuteen security Eariy detection of potential
Irsag

€  Corwersational benking Improved castamer
tarvke rerponavaneas.

Mesnwiiie, the adoption of cloud technology
enuutes the scalability and reliability of ihe system
In werving the retail MSIME, and corporate say mania
Iwan ayile and efficist manner.

Tie Coenpary 4. alo Iranaforming An @hysital
etmork by optimising ontiet fomimats tahcced to
demoyaphiz charscteristias and rngpanal nesda.
Ta atap Is fullowad hy repositioning te role df
trantioe marksters Into & more #ruductive end
selution-eriantod service modak The digitalzasan
Ot operational procesiss, such as biomatrk-hesed
#cecunt opening, digital ioans, and Internal process
autonation through data analytcr, har had &
Mgnteun Impact on general and administrative
pot efficiency, 24 well 24 ovsraii Operational cost.
#ftocuvonera.

As part Of Iis commitment 10. smvironmental
rerposalbiity, the Company '3 digital transformatian
semultanecusiy promotes the paparan Oparmian
to reduce depandenas on paper. BNI is gradually
converting piwaicat documents and manual
#dninintratiwe pencsasan Into ae integrated digital
syatami, This Initiative is » concrete step in redusing
the oparatonal carbon loctprint and impeowng
resoures #ificenoy, wnle ensuring that even stage
Of the customer journey remalas in line with the
printipias of mustainabnlity. 31 0

Kamamakt Rapat 238
rewa Penari Tah

ASBNI » Yusrdinatia Corporate s padamu
NI siranen #entrinabitty md Pasjrenta Aan

1

0 BNI e-vifize vtlicatiova, — Digialking onployaes” peteanse
an internal oatrmgandanee wang DIGIPS covering Oka
#pniation pari oreseng MMO mesnsekbanna, ina
semerpondenas apeliratian portal permission, ang tarrineae
satarnal matan wd latters eeoorded

and circtemed in SIN

Deeratng me DgiCude Using UNI e- Prosutemest Ohgitataring the procave

mokeatien, an irtamal and e-hrrip appiicatane St empayasa Dyeetina

Sundasd Operating (5 optimis satamatice sesiicetan Irouya Digi.

Pvosedura IHOP) management In dha goedm and serie 10 Papreve wenaperanay

ayetam integrated met procumment peocers, and the and afemnay in MC

papertar sennapa menagamert al aropartng —— admmistratan
doturaran

Appaying ainctris Inan - $mpifying mancing mterisia hy Cptimisisg dgital Seeting
Iningratnd Cradi Decumant — #witehing infarmaban delivery In in sering custowar
Managermerit faLO PDITI, Migital piatloerna, perisdariy Pevugh — Meough ihe Ggital

tia OLETEMAN | coreant antisszation on ihe BNI sagnation of osedit candu

mebuat an bha wang Sy ENI ang perling etatemaren
Supar app, to raduce the usa af pekat
ad marketing sodara

Using Digiborter, e digital sermen— Opsrating DigiCS, a seihservier ira of internal Hgtal

Unat replaces pagerastersand —— vustomar serve masing aLENI media, tuk es insernah
manding bannara. and serena Ihranat Ofises tur anetar and farter WhatsApp graupt. ta send
2 aniirfarantrn aromesictial #c02 to bembing taryier mitksut masting mviteticne menes
ant cownusicatian madum lu hawiny to ey On Duntomer service merk unik ae an ahernalira
ruwmmera ang empayana ae 20 persadiretsanna

Pagar saving by reusing paper md Keraawng dipbataaman In
(rimerane aruaa

Porslarsnng benak porting tr way pur matisma serlusing iba

art ad Sustainatilhy Meport

Swiresad B1 eps 3G
PT Movi Penyara Ireke rani Ifa

Papar Lee in Ofex Itngional (Ku)

2 jungarta ut 410 POKT un Pagar Madustian
Haag Other “1. yag to yag yangg uan ata
Kogan vantag KN NN
and ranah 1347.209
utan Nedurtan In tie uan
Tata tenstas pentand Laneee mnndakoan "urat
Ampacin ut E- Office an Pamer Reduetiar
(Unit ol Sheet ot Paper! tv «

Ti - ED an Na
Batras 3ON  FLIANMO SLMAAI AG MLM
un cp

bernaung Ingatan Tuangkan BAMAN Y rai Durumarta Cirisdating throagk Applinssion

sat ce “KD

# veteg Marus na "ni 10a,rag
Laveapa tareg “x La muernal rata Aa 1.100 kta
bela Eawenaltenar MABA MIN atdta
Urougkefing

Oeemgatan vtat 4.19 we wang
Ordo tra soramerta

(npemeatatkas Lattarat ni. 20 3 am
Total MEINANAT MAKER OMA Bapostten

In supporting tinancial meluman and mepanding servica coverage, BNI canteuse t0 #trengInan BNI
Agenda & beanchieas banking chanel, provsding sccess to banking servicen evan In areas beyond
the banking network's reach. In addition, INI also #nhances the role of Xpora, an Integrated solution for
#eport-oremed MSATES with the support of BNTS digital plartorm 10 faslitate #rancing, Intamational
trade transactions. and giobs market expansion

Enhancing Customer Experlence

BNI has asiabilshad enhancing cuslorer experience &8 8 key pillar in its digital transformalion strategy,
Tha comurstmant & imolemerted through the devalopment of» digital ptatform that prioritiass irtegrasion,
#ecurity. and tunetinnality tor all arstomur segrneans. In ine retail sagmant, Ine Company continuosaly
Sirengthers the wandr by BNI application coosyslem through tie main plitars, Insight. Tamsaction, and
Growth. In 2929, BNI cxponded ita multicurrency features to faollitate crozs-border transartion needs and
wupport pobal financisi ineluwan as part ol Its innovatios tuadmap.

Bamamakidiy Rapat 0
PT Hera Magann atarema (Perwal Teh

Sustairatie
D firoen

SBNI

In August 2925, at the BNI Wondr X event. BNI
launcned Brvidiract Busirawe, a plattarm devgned
sostihesiy to support the tansactiong of MSME
wustumeri, as part of HNS commitment to
supporting digita trarafarmation In Ine micro,
sai and medium enterprise IMSMEI sector. With
a Ireshar and more modaen lock, this platform
makes tamuertor MSME entrepreneura to mentor
Geah Now In real time, manage Wguklity betis.
and meet various transaction needs, with single
user capabilties that maka cwatorner wangertan
minagamerit mor eifcient. The avsilutls
finanelmi racap #eatura alto helpa customers
weekly monitor bukinese income and axpantas
This capebitty Is expected 10 provide & more
personakzed caperiance and tasilitate transactions
far MEME cuatormars.

In supporting MEMES to go global @Nidirect
Busirawe ia nguippod with sxoehant features such
as Ist International transfars, rsaktime sxchanga
rato Information, multi-curreney management in
014 #206UNL. and Integration with wartous other
digital financial soluticre.

To imprawe the gualty of wtsractiona and serwoe
fosponsas, BNI also operates & digital comot
Geator application based onAland natural lsngungo
proceseng OMLP) This apelication #nabiwe tanter,
mate consisteni, and more responsive mMeractians
With custumers, while also improving the efficienoy
ot sarviea ramuset handling. Tha appisation Of
tis technology Is part af BNI afforts 16 mwetain
service guality in line with the mereaaing volume
ot digital transsrsane.

Sesrenah Eny Nepari 2G
PT aesih Peran retensi (Perwaseh Tah

pndushan
md Ranjaenne

Corporate
Bustairabitt

Im addition to Internal development, BNI activuly
#ngagas in stratagic colleboratians with #xtarnal
patthets to sntich Its digital sarvica ecoayetem
Amang these collaboration & the integratinn of
BNI API One Ciata Payment witm Biuebird, whioh
Taciifintes trengacilons, cash How monitoring. and
reeitime disbursemanta for ten of thewsanda of
@rver parineri, This cullaboratian rafacte BAa
role 28 an anablar ot digital wanstormatian tur
Ita businsas pertnors, wiile creating' mutusily
benaticinl addnd walua.

Holistically, the digitalization of services and
transtormation af customer axperianca are nat
Deep almed at improving the eifectivenesa and
meseleraton of services, but alan 8 strategic sffori
to create long-tarm addad walun. This Initiative
has & positive Impsct an cptimising #peratianal
@fficisnoy, strangthaning customer retention, and
Increasing fao-basad inceena and Cutrunt Asesunt
Siwinge Accoont ICASA) 38 4 kra-cost fund
structure. With & harmonious synaryy betwean
technology, business procesa improvement,
and Wuman capital capabikty development. the
Company & committed to bulldiny & relevant,
conestart. and sustamahie customer jownay ta
Gaal wah the dynumica af the digital ecanarry.

Accessibility and Affordability of Banking
Services

The Company har cat axpanding acorss to financial peoduats and
Merica Abate PROIN In supporting National Nnancial inchusion.
Tis Is senkzed the cogh nhancing synergy betiveeo digital channels and
@onventional networka to cover al! sagmenta of society goographicaily.
Ak af ih reporting pertod, the Compwm han operatad 8 service netwoek
covering all regons of Indonesa, including disadvantaged, frontier,
and outarmoat areas (3TI. In addition, the Company' global axpansion
In veven Oounlries Is ptoot of BNI comenitment to faciitating besking
Wetvices, payinent syateeng, and customer Financing socesa in Use
internatisoal arana.

In line with the dynamics af tha financial services Industry, the Company
continsouwy develops ita portfolio of digitat and financial produets
arif antvKak, 00 wedi aa other Tinancial servoen such ae credit cad
services with various digital features, including digital payment
IORISI Inatalimerts, and cash advances theoogh wondr by BNI, ar
wali 28 adaptive loyalty program. In its Implementation, BAR active
#iaseminates information on produsts and services, including terms and
sandibara, banetta, costs. and maks Of eredit canda. In accordanca with
POJX Na, Z2 af KII3 conceming Conewmer and Public Protection In tie
Financial Services Sector,

The Company ensures that all products and servors lamchad have

undergons a ngorous governanie mechanam, Inddudeng:

« Approval from the talovan? tegulatary suthoritisa.

8 Acomprehanetve risk management process.

8 Compliance testa and reviews of other supporting sapecta fo ensure
bestorner tatety and corvanienoe

In an sifoet to kmprove Itersoy and trensperency, the Company
Waraminatea praduat Information in a& cisar, accurate, and aney:to-
understand inanmer through an amakhannel cammuncalian strategy.
These information channeis inciude branch officos, the BNI Ageng
narwark, print and #isotronie media, social media, the wondi by BNI
#polication, and the Company 8 official website.

Ta support continuous Intaraston with sustamars the Campany pravides
4 temponsive condultatlon tarvice csater through BINI Call and the latest
Migital zhannels, such as WhatsApp Businese BNI and virtual assistanta.
Thu servise H dasigned to anaure Inat customers Peoaa Muak time
Information support whlis enhancing @ retable and Irusind cankamer
peutection ecosystem,

1972 Tallion
(27.1 Ya)
Transaction Vodame

2,380 Tliion
Rear Yoy)
Growth In BNidirset
Transaction Volume

DNA Teeilon
16.54 Yov)
Trarwactian Volume

Kamamakt Rapat 238

PT Hera Magann atarema (Perwal Teh

Sustairatie
D firoen

SBNI

pndushan

Corporate
Y ynipasjonre

Bustairabitty

Business Ethics and Compliance

Financial Product and/or Service
Responsibility

Financial Produet/Service Security
Evaluatlon »

Evwry BNI finangsal product and #envita devetoped
tobe Inunched to tha public Is reguired to undergo
Aa somprahenaive security evaluation. This process
is designed to #rsure cuslormer prhracy protectian
28 stipulated in the Privacy Notice available on
the Cempany/a official wabsita. The evaluaben
Ie conducted acrose tuncilang. Inwotving the
Compliance Division, Legal Division, Emterprias
Risk Managamant Ovaian, Operational Risk
Management Division, CISO Division. and Anti-
Freud Unit to asseea compliance rias, legal riaka,
burtinasa riska, operational reka, and oybersecurity.

Meanwhile, the Information Teshnelogy Unit
sonducts operational and technolagics! twsting,
Incduding post-implewentetian teview (FM aftar
(he product has been Impismmented, The rosuts ct
the PIR are used 28 Iha basis tor making tarihar
Gecisiona, Products that still reguire improvement
will ba rofinad and ro-ovatuated thrcogh PIA until
they meet ali tegulramanta. Prodsete and services
Urat have met operetianal technologicet. amd risk
reguiremnents are than subemitted far appruvel
by the Financial Services Asthority andor Bank
Indonesia befote being markeisd. In 2025, there
were no naw BI finansial products or services that
wara wEhdraam after launeh dus to complainta.

Aa part af sainfoscing sustainabiz governance,
Internal Audit sets ae am Indopandant party
that conducts independent review Sctivitiee ti
anaure cemplianta with regulatory rguiremunta,
particulatty regarding security adeguacy and
bustomer edusation On the Issuance Of digital
banking products.

Positive and Negative Impacts ot
Sustainable Finance Products/Sarvices
Betore launching new financial products ar
services, UN conwatantiy evaluates the potential
lnpasta and Make musud, Enct produet
developirent a dewgned with a prudent approach
to teduce #nvirorumertal, social, and governance
TESGI riska and ririrmine negative Imperts, while
optimizing posito benefits for customers and the
community. Saverai mwatainablo finance iritiatvss
Waveloped by BNimseluda Erwison menta Friendiy
Business Loan, BNI Emvironwestahy Frlendiv
MSMES (BUMI), BNI Jejak Kopi Khatulfatiwa (JKKI.
BNI Kampung Budidaya Perikanan, Sustanabilit-
Linked Loan financing to sapporteneryy trantaban,
and an advisory playhoek for high-amissan
sertore ae 8 transtian guide toe HIVI dabtor.

In terms of finanesal Inciusion, BNI carrisa cut
venus programs Liat aao turu @n @meinonemnerta
and socia Impact, such »4 a savings proyram umng
waste that cantributas to incsoasing environmental
#warannss artong Mudunts and IN cOomenanity.
The presence of BNI Ayend0 also expands access
to banking services to various segmantu of sucisty
Urat ate not yat covered liy bank Outimts or ATMA.
Including those in tha disadvuntaged, trontiar, and
Getormasi (IT) areas Along with the developmant
01 digital products and services, BNI aso recogninee
the Inhoreng riska, Inckading those relatud ta
data socutity, cumormer pelvacy protection, and
potential cybererime, Theretore, BNI anwar tie
use of reliable and secure Indormatian rethasiogy
Infrastructure as part of its efforts to enmance data
potection @ysteme and digital mak managemen,

Respecting Human Rights

Wit Ibe diverse backgrounds and cbaractsristas
o ita omployaes, BNI is committed 40 bulidiny 8
work environment Inat uphokde mutusi respect
and Ia Tree from discrimination, anclusion,
arasamant, bullying, and other forma of
wolance. Tiwa pommitmant is rsaliasd through the
Imgtementatinn al #mploymeng polides under the
waparvision of te Board of Directors, particularty
the Director ot Human Capital and Compliance.

In formulating ita employment poficiea, BNI tefars
to human righta princtpisa that aro alignad with iha
Mandards of ihe Irasraational Labar Organizaoom
ULO) and the Unitad Nations Cilobal Compact
IUNGCI, as wall as national lawa and regulationa
00 employment and human riuhts. Consistent with
this commitment, BNI support» the strengthening
et gendar egusity and woman'4 umpawermant in
the wortetacethrough Srikandi BN Initiative as paet
at the Srikandi Danantara Indonesia ocosyatem.
This Initiative aligna WEn Iha  collaboraban
betwean UN Women mnt Srikandi Danantara
Indonesia in promoting the implemantaton of
Woman'e Empowarment Principlae IWEPA| and
capacity bralding to create & imore Indkusive and
#gual workplace.

Allempioyees have access to The company human
tiyhts policisa an outined in the Code Of Conduct
le-PPL and Coliwstive Labor Agreement (COLA)
theovgh Ine DigiiC and DigiCM piatforma. Any
new policies or poliay updates are communicesed
throogh infographics Om DigiHC and regulariy
@sseminated to emplayees and relevant funetiana
mocerding to opuratianai neada. To support esay
#0ceee and understanding of poles, BNI provides
BNI Diva (DigiCode Virtusi Assistant) aa ChatAl-
based applizaton using Generative Al technology
That tunetiong as 4 virtual assistant In ep BNI
#mptoyeas find company guldelines more auickly,
atinctively, and affizianty.

Addinianaly, BN also provides an HC Virtual
Kanistant in the tarm ola chatbat namad “Kesan ta
#npence employee enyaga mand In understanding
Human Capital policiea and “Jaring Opini" to
garnar feedback and tuggwabone Irorm employee
regarding the published Human Capital poticies,

(Aa part of ita commitment 10 craating a roapecrtul
Work envtonenent, BNI Mrmly sejecti afi Torrme of
harazement and diseriminatery setiona, both In
Ine workplace and m work-eelatad activities Tie
Lamumtment Ik outined In the implementation Ot
& respeztful working place in ihe General Muman
Capital Policy, which refara to the Ministry ot
Siate-Owned Emerprises Cirvular Lerier No. SE-3!
MBLNOA/2022 ceewarniny tse Polloy on Respectlul
Worrpisos withim State-Owned Emarpraes. BMI
limposes Sem administrative sancilong far any
Wolatioos of this poly and provides raperting
ohannek through WBS or dirwet reporting to line
Inenagers Or unit lenders,

In Its Implementation. BNI uphaktis #auality,
setutity, and respect for indiidumi Sonny 4 its
(main principies. BNI provides & secure reporting
medhanken, & angparant handling procesa, and
Gontinwous #ducatian 10 sIranyjthen Ie presention
cf sexual harasamant and diserimination In any
form,

Axa followup 10 the direetive from the Ministry
Ot Siate-Owned Enteranses through Circular
Letter No. SENMBUO12024 dated January 14,
2024, BNI has establiahed corporate guidalinoe in
the tarm at Inetruesian Ne. INON3/HCSOGT an the
Implementation Of a respactfut worketaca. These
Wedelinas aim to crante 3 safe, corntortabiw, and
Inelusive work #m#ronement, 28 wol ax10 ptotset
vurnan digruty, (res from disetirsination, exclusion,
bwsitying, harassmertt, or uther forms of mantal and
pPwrical violenea tar ali BNI Group employess.

Pamamabdiy epar 200
PT Hera Magann atarema (Perwal Teh

y Wesratia
Firanen

SBNI e

BNI virivos to create anafa and renpectful workpisoe
tar all senpiayess through The Inglamentatioa ot
@ rempectful wotkplate policy. This policy atfrmns
BNI 4 commitment to preventing af forms ct
Secrimination, axelusian. bullying, herasament,
and violanos, both phwsical and nor-pinyeical,
an part of Its efforta to buld an Inchusive and
prosscbwu work erwironmeet that upbolde human
"anita,

This cominismant was than transkased Into the
#nhancement af @ampioyet wellare program
trough the ON Holistic Employee Welibeing
Progrom. This program forusor om mantal and
pPrskal hesiih balance. fnancal resiiance. and
healthy social ralutionahips in the workpisco.
Initativua Implemantad Include — Employee
Assistance Program 20 BNI Little Ecplorere
ohildeara #acilitior, financial Iaalth nupport
through New DKMP and strangtharung ampioyas
social networka Ihrough 48Society.

Te application Of human righta prinelples in BAE
human capital managemen? Is reslited through
various employment polices and practices,
inctuding:

Corporate
Bustairabitt

pndushan
md Ranjaenne

1. Thsapplicationoftheprinsiptosofdivorsityand
0gual employmant oppertunitias tiy upheidhng
@ poliey Of nor-ihseriminatior.

2 The provision at Indusive amployment
opportunitias through the ampowanmant ot 22
#employess wth ohysicat disable

3. Respect for iha rights to froedom of associatlon
and awaambiy through Che fanvutation ef Labur
Uniona,

4. Fulllimont cd religious Mghts by providing
warehip tarilitise and Infrastructure In every
BAN work unit,

8. Provision af competitive remuneratien above
the Provindial/Regoncy!C1y Misimum Wage
IUMPAUMKI, along with the mplementaban
Of agual pay printiplas without gender basod
dita PEMANARION, 5 s0

0. Falfibnent of smgkryet leave rights. including
up to two days of menstruah leave and three
calendar months ef matarnity wave, while
#nauing al statutury empknree rights resin
uarantved upon retumn from leave. «1.

1. Provision ot peid lowse otabsance mascordanoe
wah applicabie Imms and regulationa, without
daduotion at annual lasve sntitiamanta, through
& proper approvet imechanismm.

Fair Operating and Fair Competition 2...» sewa

In condueting ita businowa activities BNI anaursa the smplemantatian of fair operating Practices
by coemplying with appkeubie lawu, tegukatioma, and Chia atandarn, Tila soproseh Includes the
menagemant of intellectual assets, fair treatment Of stakeholders, and control af conflicis of interest with
@uppliars, compatitora. and related partias. BNI» also commmitad 10 enguring that Ml customers receive
#awal and nar-disanminetary #oeti to produsts andior services In accordanes wiih appiicabsis laa and

rogulationa.

In support of Ina commitment, BN comelstentiy app4es ani-corruption ent-bwibery. and anti-traud
principles, and compiies with business commpstition and anti-monopoly regulationg. Melaticnahipa
with partvess and muppilare are bulit on the basis Of tnsst, code of etnke, and Integrity pasta, with
molamantabon coordinatsd by the remuatt division In actantanga with thr roles and awihoritias,

aNewa.dni.co

Swtasanin
P1 na

peri 2G
da vania WPorwate) Tab

eluda anti

d'an uarha:

uptkon palisias and dabtor rights

an ba #romtsed On the BINI website

or Mor matisevpolizy

Integrity and sumtainability are BNI'e fcandations
In managing Its antira businans vatse chaa which
incdudes human capital management, product and
service development, and ths use of Informatian
technology. In carrying out these activitise. BNI
Gonsistentiy consideew the protscikon Of human
Nighta, customes privacy, and ervironmertal
pruservatian as part af Ns corpatate respoesibility.

Political Contributions

BNI maintaing As Indopendance am Sewirsiky
&y tefrsining Irom invulvemant In any form of
polsical artity, whathar theough tinancial or
material contribubona, directly Or Indirecily, and
by ansuring that BNI amgloyses do nat become
membara of political partisa, In tanms Of tunding,
BNI Imoteements policias und procedures tinat
uphold good cerperata yovernance principhes,
including the management of patantial conficts
Ol intarwst, 10 #emura sound and responedila fund
management.

Implementation of AML-CFT and
CPFWMD

The implementation Of. the Anti-Monev
Laundering, CounterTerroriam Financing, and
Countering Ine Proktaratan ot Weapons ot Mass
Destruction (AML-CFT mad CPFWMDI program
at BPM la guided by company guldelinan. Tha
Program ja Impismanted through ttve integrated
Pillars, meluding active supervislon by the Board
ot Dienetora and Board of Corruniesionura, Policies
and Procedures, Internal Control, Managemart
Information Systems. sod Human Capital and
Training BNI coneistaosy submita reporti On the
“mplamentatan of tha AML-CFT and CPPAMD
programa to ihe Financial Services Autivority
on a eemiannual basis In accordanoe with the
reporting reguiremanta &et by the neganatar,

BNI contirwously raisa» awareness arang ali BNI
#mpioysas regarding the impiemantaton ef AML-
CFT and CPAWMD tnecugh various distaminatan
and zapssity bullding activities, which Include

€ Training programa, bath through #lectronio'
online media, such as AMI-CFT and CPPWMD
@Laorring on the UNI Smarter plattorm. as
wali an face-to-taca training lin-elass 01 online,
Inchuding for prospective memar ernployees (ODP!
ADIVBINA BNI), Interns, and certain unita and
divislana, such ak aperaticea, informatian
technology, cumody, persian fund, Ovsrsees
businesn and croawbordar curraspundant
banking

8 Superdslon and disseminatan Ot the
implementation ol the AML-CFT and CPPWMD
programs at Branen Officas hasad om the
results of Individual Wak Assessment NAAI as
wali ae in rolatad divimene.

& Monitaring the imphemantitian of the AML-CFT
td CPFWMD ptograms 81 oversewe office
and subsidisries.

€ Rafraammant program on AML-CET and
CPPWMD for the Board of Commissioners and
Board of Diroctora of UNI and ita subsidiariea.

As part of anhancing governance aed Internal
control, BNI integratos the wmpiementatan af the
AMLCET and CPEWMD pengswns Into ah business.
peocesaas, Furthar Information reganding the
pelicies and implementation of these proyrams Is
awalabis on BNPe official website, htrpewara.
bni. co.leven-us'companyitotpotate-govetnente'
patriot-octe-certificatian-ami.

The #ilecteenass Of AMI-CFT ani CPFWMD
Implementation in asanseed through PIR on ML/TF,
WIcB is an asawasmant conducted by tha finamelal
transsction reporting and analysis canter om the
comrmitment, guslty of implementatioe, and levol
ot compliance at reporting paris, In 2025, BNI
#urned a score ot 4.43 with & rating of "Very Good."

Panama Rapat 2005
PT Hen Megan waarewa erna Tek Milad

ASBNI » Yusrdinatia Corporate s padamu
ea ana Ba Siranen Burtarabitty md Ranjtenne

Stakeholder Engagement...

BNI consistentiy bulida mad maintains conntructiva relationahipa with all stakeholders. #rioritgation of
Makahoidern ate datarminad Uwoegh mapping Ihat takes Into mecount Ibe lsvet of infteencw, dependangy,
responsibility, and groximity. In the curvent year, AINI snyayed internal and external stakeholder
tapresentatiwas in in-dopti intarviewa to Idontify strategic Issuos, gather foedback on the previous years
WUMMMAbiNty pertormanca, and discuse mataris! tapica that Infusace stakeholder decision-makng

peocerses.

2 Call ommer amrvioes, branch affiema,—— Pergurany Banting mansactian secar

,
Won banting, wabeitas, sada » Arany tm “Micro Simak Median Enterprise isane
mada Facebook, Inatagram.and KI» Twicenyear & anting tiolses and rana of accrer

. £ Atanysme 8 Case and teamaparent nformatian -—

. £ Atlentonora barking pradurti and sarvore

vw » Feareial patertaevcm innovatibes

Cxatamer data corfdentislay
au

&hnvemtarn of groducta and services according ID perhnoragkal develoyramean aed need
& Hnancial edacatisn on banking producte

2 Storage md protectian ol cestamner data as par ttre Perranal Data Protertios Lau and reavast stiputatane
Gi

Msintaining the eating ISO 27001 sertificasian
Neaching and Instanng BME4, a1 wali ae helping pravidn financing

£ NNTE gunrterte Performanan Maport
Capital Market and Share rwartar Aralyet
Wareng.

& Regular martin wah epitel Market

Financial and ngn-#ransisl perfarmaran

Lowronmenta Sasa, ang Governance IESGI pertormanan
Positive grawta of share rapiimiraban watun

perrased Inwetimerit valur (total atmtebuldar retur

Anabyat art aharu Inrmaices wrn wTneocing in sontrisndy tata
0 Pablic Eapose at least once nyear Wairrite #npass rom Inascing in somudits vest
» Malding Annzal CMS tone & yeali and» Cimmate Fak menagarmari

Cabsordinay GMS wpen neodad Disclosure ol target meudstwgg and cesulis ef caksulntan et
& Regular mersings Wih Shae & Fust CNG ewisslon scope 1,2 and cempretensiseiy
Incama Investore through Conference and & Numan capital managemant and derelapmeras
#asdinew 2gmndar KPL droving the 2eNievamwat af suntanaoe penat
» mplmentaton «| Astal Webinars ang» Pertepasnin etewatationatforns ang prem wing indwersty
Padearir en apatific tapise, including SG» Implemeatatan el managerene temunaratian paloes in Kne
tper (mh corporate powemanun
& Cyker arcurity and peresnal data pratectian

» Perda mio matan dadlonure 0 EM pertoemanan
& Antanan diet emmunicaton 0 mwesises and #rougi amahrsis Of secure semparies diroters ti enture
ut endd yeontmenywenb manca)

Coneistertiy performing seratnya In chan buninan targatn
Coraosheneraty dacoeng eumwatan ca ESG pertmmanc is Sustainatsity Hapest an melia in periode spdatee
Strenggtaing employee" cagabiliSos and skila
Futowing up tecuenendatura J E5G sepasi fram Rating Agarny, SPO. ad ineeatur.
Pertotning susita an Finansial Repot
Downloing Armadi Beporta wnd Dustaiabiity Raparta
#nptermertation of Mah Accoptance Ceitaria ILACI Wenia Pm credit npprireal procese.

.......

TeranahBn Mepari 216
KELAN PT 20 Pengararetarmaw (Fera Tak

8 taber Uwan £ Empiteee ranis
& Intatrai Medis infiinergi Digital Magazine. NGMS. Sinergi» Training and compesenoy development lor

Mapasine, DNI Form! meptorama

» Gnpioyee Satietnction Survey “Kanak ppporturitinN In career dreminpeman
AN Saran » Viluabihe ane snjeyablr meet ceperianta
2 DONCANCMS » Worklitenalanse

2 UN zammunty

& Ieclasa anirg ang edearnay,

€ Pertermance Assessment System and Pramotian

» Awatetiity at oMNcisi comemuticathan tnciiliss provided by BNI for amployese. such an Into NCT and Intarnah
Commuricatian Sinergi SM Bneti

€ ntatiakment of lebar wnior

0 Erisbiatment of dilogety 2 cormumty based on aporte Arta. and hetibina, 8 wedi as Reigicus Body

€ hunlati lity «4 Incdities and inirastrestunes for astivlien

Lahar Nabetune! Layal retattuma:

& Discuntian of Collaciiva Labar Agroemente ICLAI «Career delapan

« Merting ari dmcursane including teough £ Ramuneatan
& Bemuseretan taun » Prosustivity»1 perlorenen
& Waalih (astities team » Wntngelty
& Saratisna view £. Omer mpiuyan tigata

2 Commuscaton feruma

2 Bwartip couperatiun msttutlons ILKI Bipargr)

0 Acommodetng ad rtantiyirg propasata end fendisaci from Laber Untan
Ertubiading the process ul bon munisatian In case vf industrial ralatinta Waputer

.

& Makding regular rsesting io commursation furum between BNI anu labur urioe,

& Cresting ostimal aperatiore ix an elfecilee and ihsan manwar BNT3 growah and employee wellbeky Ihtougd
CA

£ Butmissisn af iba Bani'x Duwesa Plan
INDBI wtc its ram izatioa ta Bank Indovesia
and o2e

2 Submisslan Ot SYAF ta DAK

2 Otnet mepariing 90 per orevsilay JAMU and Ane Terroriera Green banking inctusiwe banking.

Compiarce with sun and reydatana.
Managuy EBG rak in Maning acovties
Lemrenmenta' & social rest anahpsis a granting lose
Anti-lirbbery ang Cerruptisn IABCI. Ant: Money Laundering

#tipstasane ta regutatnre.

£ Nariout  aetiitise Of diseembatiani
mubirarhemring/ daaswan terum meli
by Mo yosen mart and sutbansian

£ Anlenst once a year

#mpiementirg Bartairats Firaner
Supporting SDGe

Seting mara guantikatin and lncumad targata, menly
aer conemy and NZE taryata in Indonesia

Peramawan Rapat 2206 AA
#1 dara Majaun waarewa (Pera Tut MERBI

AI BNI » Yusrdinatia Corporate ag "aah
na Firanen Bustairabitty ud Ranftena me

Comelsing with al ecevaking tegdatong

Paring tawes. retribwsone. and Non Tax State Mevanus (PNBP) ag par Lawe and regalatire

Dwertopag Suntairatia Ptance Actipn Ran ISPA

rtabiating Ihe PSG Bob Coemitne t3 mantier the Impiamentatins ot SPA?

Adisssing internal poliriee and regndatisne ne Der rapstaian henti by sha Yee
(nplementing the OCO peracipier soroee al wet anita

Susmittng perlarmanra reparta and sihes 2e8vitarw: Sextainatis Finanze Astisn Plan Raport, Annual Repert,
Burtainabity Rapor, aned setara

Buppine Esomumia selatians and begal reketiama

«Anti Bretery Menagemart System Pollsy (AHMBI in tw procuraryan ol goode

ar aradier marviker

pulicins, when seeded,— 4 Polity un Inersasing Ih Use af Downslia Products (PON) be tve penturereat ef
Uusuys #vods andior servicer

vander gemaring & Policy On social and environmental aapeota In Mz BII pertnerahip crocean

£mplsmentatnn af Anb-linbery Managersant Syatem LANMSI in tha praruremant al gnoge aador servis.
& mplementatan af incrnased Usa af Domestic Products IPSOM) in the peocuramunt ol gnede analur merica
& knplementatian wfarsial and amirareantal arpecsn in the BNI partnaratip peocmer

Strategic cooperaton In
NNTe sozlal amarenesn

Environmental Papast mad pertarmance

Bocial aod Eneironmentm Mesporbilty programa Imelermenand and gtarvesi
Ogoortuniter 1 cotabarnte n Sega and Enwiroranemeni Mespaneibility progam,
letarmatian an company activiime

Undorrtanding of rustastabir finance

2 #nptamemiatan of Snancisl mekusion and Mberary
& Organuy sosial md emeitoeoereal rsapunsbilaty pesgrarn Mngugh the BNI Berbagi program

Organukg mntamatip 6 contrart geogramu for fresh graduates through the BINA BNI Program
Provading jab oppesturiikes Socording t0 (mein

Modis: Gecial rulatinia sacis' licanas

jai md aan Gearwsai peri

Tivironmanuul anpact ed performance

Secinl and envitoremeatal tnspossibllty prograrre implementad mad land
Oppertunides Ice solatotatisn In sadiai and mwitsameniah raspussibiNy
sregrama

2 Presu relenses 20 sustainability pertanmanca

» Updating infonratian on banting solutiose 1 corapany perlermance sn Ihe website mwwbnicudd
& Regulatiy turtoring gond eistiona with the media Ihtokgh media gathesings and nditar in chief getkaringn
& Ptoridng press rniosee material w the website www:bni saji and urlina medis

an
wemtariy media gatbeting

edehanann Mart 208
120. Magompnntdaentan aa

Local Parties' Involvement in the Supply Chain»...

BNI partnerships the supply Chain are best with & long-term orientation Intoagh Ie ermpowermen
0 loral suppliars ownod by dumestic parties. To ensure that these partnarships run #ffectively, BNI
rngularty rowawa the partormanee af ita partners aa bawa far improving the guality and summnabiny
04 cooperaton. BNI a80 uses vendor gathering taruma &8 a medium for dialogus and #ignment ot
values, particulariy regarding the impimmentabon of the Anti-Bribery Managarment System (ABMS) and
prafatentes for domaatir products. Tv Initiative atrengthena trust and Integrity In the supply chain, while
aro having a positive Impact on the local ecanormp

Magna ae neaa man mb pa nnana 10 pathan at mal Sah ba lonya meuma

New Suppliors' Sereaning using Environmental and Social Criteria
metana

In order to manage sustsinablity risks and minimks potential negative impasts arising Ihroughout Pe supply
chain, ENI has bagun implemencng a supplier avahuaton pokcy basad on anwronmental and tocu| aapecta
nas Decembar 2034 Tins #valusbon cavers compiancs miih an ronmenta permili, management of GHG
#misslons and waste, apetatianal locations Ihat ara st adjateni t0 protected etats, ND Underaga Wunsrs, NO
fortad labor, froediom from dissrurination basad on aihnicity, rebgion, race, or moclal atatua, as well an egjualty
In promotion and rerumaratan.

Comrnitments have been made 10 both existing supphari and proepactive suppiara that have boen verified by
BMI andi have met One minimum criteria or haw obtained & ternparary Suppier Registraton Certifasie (TORSI.

BNI entares the Implementation of this policy through am assesamant of si (10ON) prompactive supplars
who batere recewud TDRS in se Inibal warification procese, In addition, BNI has aso conekustad perkodic
esssesemants of supobers who have becorme partners annualv.

awawan Kapan 22
areva Persi tut MREEI

BNI 8 comemitusd to ensuring that positive Impact for custormers. comemurvllea and the #erotmert ank
rosiizad through initiatives beyond its business activities. The main focus ix on atrangtheniny financial
Inchusion and literaty, community empowarmant, and arwironimantal prasarvstion, as wall ac asaisting
dabtore 48 sbiatagic partners in Ihe Iresition to susisinable bsrsinesa practices. This focus Is part af BNI
@fforts to build lang-term sosial, economic, and srwironmentar resili

Strengthening Cooperation with Stakeholders
Debtor Assistance in the Sustainable Business Sector

As part of the Implamantation of POJK No. S1/POJK.C0:2017, BNI 4 strungtnening It strategic tola in
supporting the businese sector mansitian 10 more sustainable practkes Iwough & dabtor #swstane
approach. This approoch aligoa with Ih appikation ef ihe Indonesian sustainable finance taxonomy
(TKBI) ae a referanoe tur ciassifwng businese sethitiss and managing sustainability Fisks. including
transition and pinysisal riska relatad to mate changg, us underined In the IFAS S2 Ciimate-relatad
Disclosures framework

In this context, BNI not ondy function aa financing provider, but anu asa strategic partner tor daltor in
planning and Implementing Imeasured. gradual transition stops that are tailored to sori dabtor's buainesa
pentila. Tina axsiriance is simad at #ncouraging & reduction In emissiane from the debtor's op4ratione.
while maintaining buwness sustainebility and tha awalitr Of BNI's financing portfolio, In line with BNTs
apport far adhlsving net zero emisalona (NZE).

Implementation of ESG Advisory

BNI devaloped and Impiemnentad Ih ESO Advisory
Initiative Ly compiling ar ESG advisory playbouk
that sarvea ag 2 trangttion guida tor dabtora and
tw Relationship Manager (BMP This playbook
ie detiyoed to help dmbtors understand their
purrant pesitisa and the benelita of condurting
wuwmnabie businese. Te ademory playbock
Ie expectod to anoburage debtore to begin the
transition te sustainable busimear praotires
Indiuding incswasing Use level Of alignment of
their business sctivities with TKB ctassificatione.
Ear RM, this playbook Is a supporting toa in
providing condistant and swuctured assistance
In ercouraying gradual kmprovementa In debtar
@astikeationa.

Th implementation of ESG Advivery is focused
0m sub-tastore with high emiesion inteniity und
Wanificant transition risks, such 48 agriculure
and forestry (palm oll sub-sectori. mining end
awarryiiy iroal adb-sestor), and coal firad pour
plantu (PLFLI As a firet miep, In 2025, BNI Iwunchedi
a playbook for the palm oil sub-sector, making
BNI ine feet bank In Indonesia to lwunen such «

playbock. Furthermare, BNI WA begin an ESG
Advisory pilot project, specificety In the palrs oil
Wub-40otor, in N06

DRrVIMG SL
WITH BMI

—.
ASBNI ape ka mad Rnfanse

In addition, BNI provides technical assistance to debtora t0 propare them for
Ine ampismantawon of TKBI Teemnical assistanea Is providod to all debtarg
in alterted sectora, hemahy eneruy. agricutture, fotestry, end other land uta
IAFOLUL cunstrucban and real estate (CREL transpartation and storage (TEKS).

To raise awarenesy among delitars, ihe Bari held the BRI Sustainability &
Tranaition (BEST) event as a meana of disseeninating Information and sharing
#epormncer on Iha implementation ot euatainability in Indonesa and glotsally
with debtorwosstomars

Through this initiativs, BNI ancourages debtors to be better propared to face fho demands of tranakion,
Ulirmate risk managarrseet, and davelopmanta in swatainability reporting atandards, while supporting Ina
trenetarmatian Of ti remi sectot tewaridi & kw-carbon econotry In a gradual and Inchssive manner

Strengthening Inclusion and Literacy sm.

BNI consistantiy strangthans its role in promoting financial inclusion and Ikeraoy as part of ita contribution
ta mekusiya #canomne development, in lina weh sha palicias Of the government and Ine Financial Sarvicss
Authority (DJKI. These efiorts ars airned at ensurag that various sagmnenits of society, Including previcusiy
underaarvad groups In Indonesia, such as thace living in disadvantaged, frontin, and cutermoet areas
(IN can gmn aocees to formal Nmancisi service Ihat are sale, any, and suit air news

8 $$ $$
10 24,796

33
Dianen slTieea BNUATMNCRMA DM meretaran
WIT reguurs IT regkens WIT reglons
13,391 197 327
ATM Bersama OBrarus Domehas caepad min
network setsordco tautan

Ara contirustion of the office network Iranktarmulian probese Ihat was Imphersanisil in 2074, BNI appiied
an office network coocept that inok market potential into censderasion, marnety Super Fisgship. Business
Finguhip, Thomatc, Digital First, and Smart Conventional. In 2025. the tranafommation of the Offico network.
fotusad on Incressing the predursivity ol branch afficas In capturing tnarkat share through OrganYational
restrugturing and the implementation of more apgressive business siratayies. By the end of the teparting
period, 327 branch officos had been eguipped with Independent acoount opening services |(DigiCS) and
savinga book printing services (Sprint)

BNI recognizes that axpanding financial Inckesion can aiso bring challenges and riaka, including those
related to transaction security and petenbal misuse of information. Tharstara, BNI cantinwsusly Integratse
Smanala Iitaracy progtarns Into every Imalusion Initiative It implements, with a focus an raksing putiia
awaronesa of safe, prudant, and sustainabis financisi management.

SeirenatBny Nepesi 2G
UT Bari Peraara reterani 1Porvase) Tah

162

Financial Inclusion Program

BNI Nee diesiopad various anproschas and servas
ehanmela to bring banking desor to the cemmunity,
both through The use ofpnywcal and digital setmerka,
ae wet ae community-besed partnershga, In
addition to expanding access, BNI also peioritites
finanowi education and sasistancd ae important
@isnaris In the emplementatian af financial
indusion, Colieberation with various stakeholders,
Inctuding rugulakars and reprwsentatives abroad,
Is Cartisd out to increase public understanding
jani (eadinesa fur banking produsts and services,
an wall an to ogulp them with knowledge of more
"esponaibi financial menagermeri.

BNI Agong6

BNI Agene8 se stratagic partner of BNI in peoviding
indusive banking servens to varsus segmenta of
#otisty Inehuding tmosa In areas that are nOt yet
covered by bank outets or ATM: By strengthaning
Ita agancy network, BNI Is axpanding aozesu to
#nanolal sarvies that aro sesure, affordakle, and
"meet Live tees Of Ihe community

In 2025 the nemibar ot BNI Agandg grow ty TN,
savering G5 ciklm/reyancies, 0.174 districts, and
16,729 vilagoseub datricta acrosa Indonesia. Thin
acivavemani is egulvalent 10 approwematey 42.5
of he villnpensub-disticts covered n Indonesia. Ot
tin total, 28.177 ageotr, or around 13K, are located
In IT arena, wah a growih af TLYG campared to
the previous year. This #chievameot refecis BNI
20mmitment to expanding the banking servema ta
"each more remote serasa and anhancrng the role at
Ayendb in promating Snaneial mckisan and tocal
economic growth.

BNI Agendg Ie spread peron
42 V Of sub-distiicta/vifages in
Indonesia, with 28.177 agents or
#0ptoalrmatety TTS locatad In IT
acou.

DKI Agan46 Profite by IS

naa
m9

NIS yanra)

gama
1a9n

Bamamekidiy Rapat DI
rewa (Peran Th

163

us arata

SBNI

siranes

Distribution ad filst Aganad
13. —
ST Bagian
87
NaniT
Bagiena

The #mpansion cf the BNI Agandt network has
nada mu'tipilor affocr, parueularty an non-intoroer
Jaco, Teeoughout 2075, BNFS feebased Income
(PBM Irom transsctlons through the BNI Agandg
channg amounted to Rp183 titian, a 15514 Incrosas
surmpared both previous year This achlevementalsa
raftocts & twofold increase in the income received
&y Agondg trom Ite agency businase compared to
BNYa FBL In addition Y9 its Knancial contribution, Ihe
AgendG @ooeystem also has the potential to create
jab tar reudengs living near Ia agants, #stimated
10 reach mpproxinately ZY7 thousand workera, To
mentain ayent motivation and aporaciate their
pertormance, BAY ragulariy holde an annuai rewarsi
otogrem cated SPEKTA.

Through Inn groming netwerk of agentu, BNI Aganeg
not anhy provides sesar, fasaer. mnd Inore accesslbke
daily banking services, but also supports ihm
smplarpantatian af govorrmeet programe akmad
a aedating porerty, Induding the dwritution of
yovlal assistaros under the Family Hope Program
(PKAE Iu asia tood assistance program, and
direct cash mesistanon for peoplea wellaw MLTS
Kewah Threughout 2015, spproxirmately 32
thousand agonta @upportad the distribution of
#o0kal asssstancs to 29 milos beneticiary familia
IKPMI ot PKH worth Rp2.2 trilion, 6.6 rmillon KPM ot
Das oodetutta (Sembaka) worth Rp3 3 tikon, and
44 milion KPM of BLTS Kesra worih Rp44 anilkan
spread stross 10 repances/Oibias in Indonesia BNI
IAgend6 snartana tra distance 10 Bcones sunvicas
for KPM In dissributing assistance. The prukemiky
Of service points 10 communitles. contributes to
the afficioney of cemmunity mabilty and has the
potertia In ptovkle & postiww envrunmental Impact
by reducing the trips peeviousiy reguirad by penole
In wwt branchesiT Ms

s Setarahiny mag
ka “1 Rev Pengars rekanan UPeruan Tah

Corporate pnduskun

Bustairabitt wd Ranjianne

Greoth e£ INI Ageng in IY Magiune

am
Oi

2.
TIA

10955
| Papar

1028 Dana PON

BNI supports the rad and white viitayabut- district
sonperative program IKDMPIKKMP) by making
Ooopeutives Ine cernet ot banking services Tur
resklerts, Theoughout 2025. s8 many ae 1167 KDMIN
KKMP have jonad andi oparatad as Agan4E.

BNI continwes to demonstrats Its commitment Ia
tupporting egusi fnanoal melusion by partnering
with Ine Indonesian Assosiaton of Persona with
Disablitias (PPDM) through & apotisi coaching and
mentoring program tot persona with disabiitios 20
bacomu BNI Agandg agonta. By 125 14 pervdem
with disabilities had jained as BII Ayond6 aganta.
Ttus Initiative afao sarnad a MUSI record an the feret
“"powemant pragtam for persona wwih dhsabslitkes
as BNI Agen46 branchlasa aganta.

In support of a sustainabis ssonomy ad he
@giakzatian of pw graan pesnary, BNI In promatag
Ihe srenytheniny of the waste bank sconyatem
Meough the Integration &f financial serviuse to
nabila the sonversian of weata tavinga Into aczounte
tegistered in the banking ayatem. Throughout 2025.
715 waste banks have joined BNI Agandt. The total
wansartan volume of deposts by Agand5 wastu
barus reached Hp biliar, which I sstianeei to tie
nguivalont to LA tors of waste. BNI is also activaly
providing education Dn wasta manayamant and
saving, seluding educatonal activities at Ihe 19
Bekasi people's senioe high szhecl (SAMA) in Auyust
aa

An 0 UNI parinar, AgendG In also #yupcad with
Ie capetilty to malu rutarraia for regular sawingg
products Bwough wondr by BINI as ve as KUN BU
Joan producte. As of December 2025. Agandf has
mada returais tor 293,383 savinga dcsounta wi
4 total wakas af Rp1 tnilion. On the financing side.
Mere are 31.406 debitor nganta with a total debit tray
ot RerS tMion.

In providing banking services. BNI AgendG can
ponddurt trimasetione usg various device channatu,
wach #4 mubile mopcatona, websites, EDC Mini
ATM3, and EDC Android devices. BNI har distrbuted
RAI EDC ueltw to kupportthe upgnuding ot devices
used by Agandg, with 1,000 units being distrbuted
In 206 This Initiative Is sepectod 40 Amprove
Wansastion statiliry and aneh One service foatures
#vailable to Agend0 and cestomera To support ihe
digitakzation proceas af BNI Ager4E registration,
4 sezoyitraton procese has been Impiemantnd
Inrouyh the Mobile Agen seplicatlon,

Digitahzation menugh Agund6 makas It stir for
undersansed cammunities, starting with Ihe younyar
ganeration, to open accounta and perform «KY
with the assistance of agants withcad harding 00 Mata
ttrameh office. Through local agerits, people can also
make cash daposita and wendrawals dose to whara
Iney Dwu, sepasiaty In arnas That aru tar rom ATMS
and olfcs netwarks. In addition. Agend0 supports
Gaby digital transactiana tuch ae bil payrnerga, ae
wali ae faclitating tawtur aransters and pecat of
Sotiet amsistance

In line with sorvice enhancemeni, BNI has albo
Mavelopad 4 BNI Lita misruinguranee purthase
Testure un It modis application and Inttoduced &
PEN feature on Android EDC. In addition, BNI has
Imelomantod personal data protector provimona in
#econdance with te Law an Personal Date Protection
wtihin ts Agond6 e2o0yaterm 10 mantan cuktomar
privacy data security, and conumar preteetian.
Tu maintain customer boyatty and Wusi, BNI «
comrmitted to irmproving ayatam seoutity through IT
#ecurtty updatsa including sa the IOS piattorrm, ta
#trengthen the protection ol agants and cumomers
frorm the risk of oybor aitacke.

Banking Access for Migrant Warkars

BNI le parinering with OJK to provide #nandial
#ducaton to #he Indonesian daspora and migran
wotkers by utifsing BTA network df oversam
reprecontative officer Assistance in providod
from t8e proparatory stape before dapartura, As
OA December 31, 2026. 4 Ata Of A1A/K2T BNI Taphan
aceounts have beer: opaned by migrant worker.

Banking Access for Porsons with
Disabilitios

BNI alto ansuras access to sarwoas tar customare
wiih disabihtise by peowding secessibie ATIMS These
ATME are oguipped with headphones and Balie
bertane. To data, BNI hwe provided 3,472 @uability-
#riendiy ATMS spesad across dOh ceyangissisitisa
Goross Indonesia, 28 meli as evurseas buanchas in
Singapore and Hong Kong. In adaition, BNI has mao
pewpared access rama to Bhs Banking Hall ari ATM
Gallery 10 suppori whesiohair usart

Parama Rapait2026 AA
aa AN ATNN 165

AI BNI Susrinatia ap Soporan

» vedashan
Aa Siranen Burtarabitty (5) wd Ranjtenne

Savings Products for Students

BNI encourayes students to start saving sariy and miroduces savings products for stedenta through

several programs, such as Bank Gods t0 School, Ayo Menabung dengan Sampah ILet'« Save with Wastah,
and the Indonesia Pintar (Senart Indunesial Prograrn,

AO Taruria @iesisatan

PeK000 Siliun Intal lurala | Re2.508 bian tnial funda | Ret,400 bnilian fatal farida
RE4TI6 bana setal hungn NGL AMI biPion total tunda RELEII belitan total funda
MALE kemranae

MAUT kenaatal

Rp1 209 bilkan tata tunde Re1300 hitiien kotal funde
NE botlon Jual Monds Met.120
sate Mamat

perinenp
— —.

E
H4
5

TabunganKu
Mp3 /A09 Bikin tata turate | Mp3.P90 bilion total fund | Me1.400 txlon beta! tuna
PELAN bilise tata! fana Rp3.348 biliae total Fanda

Mx 111 Mewntat

|
|
g

Teitenah B1 Pepes 2G
KLS UT Reva engarsireanani (Peran Th

Ayo Menabung dangan Sampah

The Ayo Menabung dangan Sampah program is
& BNI Inilative that integratea commurity-basad
waste management wah Memmelai Inckuskom. An
impiermenting tha program, SNI collabaratos wi
waste banka, local govenments, #ehociu, mn
somewanities. Through Ika program, the tunds
rased resched Rp1,63G million, exoseding the
target of Ap1,500 militan, Thase tunde canebat ot
Rp1.405 mion distributed to Simpanan Pelajar
(SimPail aeoounts and Hp351 million to BNI Pandai
aceounte In addition, Ihis program alto rowulted
In the opening af 196189 #ccounis, coneisiing Gd
194407 SimPel sotounts and 1,366 BNI Pandai
accourga

Supor Bidan Program

BNI continues Its cotabaraton with Women
Worid Banking WWBI ia implemanting Ihe Super
Bidan Program, which provides banking sotutione
to support financial planning related 20 chikdBirtn
and postnatal care, In 2024. tis prograrn Pas bisan
molementad by involving 100 midwives spread
acrons & citiet. Asa follrw-up, WWB conducted
A direct monibaring visit rom it hesdguartars in
New York to review the program'a impiementatan
in Ine fiaki, The #vatuaton covwed aspacta dut
an the utilization of banking producta, midwives'
understanding ot the program material, and
the relevanoe Of Ihe solutiong Ofternd to the
participants" needs. In 2025, as & comtinuation af
the pilot peogram, a kickvatf for the super midwie
program between BAL WWE, and the Indonesian
Midwives Association was held on November &,
2016, In conjunetion with the Indonesian Midwives
Awoelation's anmua event In Jekarta, Ia sarly
2028, wducatioral and disseminatinn sctivities
wara senductad, beth enlinn asd affina, In all
BNI regional offkea which led to colabotaban
between BNI regional uffices and reyiunak
peuvincial administrstors of the Indonesian
Michatvws Associatiart.

Financial Literacy Program

BNI consistentiy imolements Mnancim Iteracy
programs 40 Impruve public understanding
Ot prudaot finandisi managamant, sate wan of
banking servaer, and Koanciat rak mibgaban.
Ekucaton is delivared through taca-to-toce and
ONgial approse has. targeting vancus sagmanta ot
vatiaty, Inctading studarita, univsesity atudenta,
and commmunitias. Literscy inatecials ocver an
Introdurtian to digitat banking services. the basic
C1 Ninanciak menagemant, ani increased vigilance
oyainet lileyal investment practicea and online
gambilng,

To expand the aducatian covoraga, BNI also utilinea
Imadia and digitai devices availabhe in its otiom
Petwatk and setvice outiete. Edwcational materi
ate disseminated through vaneus communicaboo
channale In bramehes. including ATM and CAM
screeng DiyiCS machines Ibath In-braneh and
otiibraneh|, DigiCS Lite machines fin-branchi,
and digital poster modia, As pat of kmproveng
Customer erpertarce and accelraling theaduptan
Of digital transectong, BNI presents the O- Branch
Banting Cate sarvise, O-Braneti Banting Cafd «
& mobile banking service concept in the form Of
& caft-designed minibus. This service provides
jan alternative oxporienca far cuatomara to dbtatn
iwormatian and conduct transscbons in a more
comfortobis and Intorastive manoer. The use of
tive tatility aeo anabias Ine consistent dekwary
01 Nnancisi Itaracy messages to the public and
customara in daily service activitias.

Utilizutien af Digital Davinea hee Finanatal

karamakatn Rapat 2
PT heh Megan aura (Pera Teh

ASBNI » Yus iratin » Corporate sed usha

siranes Bustairabitt wd Ranjianne

vagh Soclal Ms

101.211 foitrunet AIR fattowar A48.006 fobiauyare
Instagram @lnidt Xam Pasabuck GONI
UNA tollawara (3.064 tetoware
Tian Obeidd Youtube 3M

In addition, fmanciai Itotacy is also strengihened through direct Interaction at beanch offices, Invoiving
Merlin who play a leading reka in providing #eplanatinaw and education 1 cestamera, Maanwnia, BNI
@ClivSIy uses sotial media 4 & channel for disseminasing Information and Nnansisl #ducation content,
20 that litoracy mosanges can roszh a wider community and be ore adaptive to davelspmanta in digital
Informatian cenmumption pattern.

Financial Literncy 2028

Iwaddnlonto providing banking varvican, BIM Is aleo strongiy cemmirtad ta being an ayant af devalapmart
(hat supporN govermmeT programa in #irengdhaning finencial literacy sad inclusion. BNI understande
that finandiai Iitaraey ds the foondation for achisving financial stabdity and futura prospeity. It continwss
ta innowata in previding educatian and facilitasing arta1a to rekwant financial produsts tar future planning,
business development. and Optimal use of technology. The nanciai Ilteracy and inchusion programa
impiemented during 2025 sra as follow:

One Student One Acoount IKE JAN)

BNI partsara with the Ministry df Education, Culturo, Hasearch,
and Techmalogy In a program initistad by the Bnsneial Sarvkws
Authority (OJKL The program sime to shape a culture of saving,
puteularty among “tadonta, who mu nat only wadanuaady
Inssiligart but wika #renelaby Ntermn, preparing Ie da face
Future scanoric challanges wivis egupping them wiih a basic
vedoratanding at financial management troen thair #zhocl daya
In addition, ia activity Mao dia 10 scoelarak an incresea In
mMudent sevings aocounts (SimPel) to support the achievement
ot Indonseka'e financial Inetusion tarpat af HAK ny 2029.

In 2025, INis program had been peomotad in 226 schosis and had nddag 10/42 studang aceounte
BNT3 commitment to promoting student sevinga and faciitating pecounts with low tees and attraciive
foatures for students has cone to fruition during an event hsid at State llamic Junior Wigh School
IMFSI 3 Malang, whleh lad ta BNI roceiving an award trorn the Finasclal Sarvicos Authority (OJK) as
(he Besi Partner in Imglementing KEJAR (Education ard Financial Laeracy Program! for Retghous-
Based Educational Institationa.

.

Sesrenadin Meperi IG
NT Meri puan Irete mania Pavate) Tah

BNI SULTAN

BNI SULTAN (Friwods for Financtal Liwraoy and Inslusosi
Is & swategic Initiative from BNI designed to put the bank
dea trustad friand of the community In foatering financial
understanding and inclusive acoesa. BNI aclivety conducta
Inasslva, widesptsad, and targsted Anancia Itmracy
#dusation, Inckeding collaboration wah OJK through the OJK
PEDUL (Financii Liwracy Ambassador Drveral orogram.
Aa port Ol Its massive sducation #fforts, BINI smpowers
tromiliners in various regiona ae literacy ambassadora to
provide financial educatian beth direery and treough social
medis chrannels, ranginy froem timpie financial management
to undoretanding financial riska.

akan
asned recognition

and an award trom

2.234 2010, 7389,878 Ute OLX as 4 Finansial

Wezary - NN na da Services Businesa
sun pants engugemaai

osasmanid era Operator (PLIKI tor

Ihe 2015 Most Massive
Litaraey  Ambasssdars
Formatiom.

3.

#wancial Litursey Campagna

BNI In actteniy Involwedi In vanowa Nnancia Meracy camomgan and program, fosusing
primariiy on petivities to edicate and create a fimancially Iterate soclety (rom an sarty age,
#novurage savinga habita, and ansure egultable and sustainabin finandal Imslusian acrose

All sagmwaate of aocsety,

Campaigna are coneturted both offline and ariine. One of Ina latest axampies of BNI«
0Mine financial Itersey campalgng Is BNFS active participation In Ihe National Financial
Health Event INFME) 2025, oryanized by the Financial Sarvkes Authority (OJKI. For online
campaigna, BNI uses the BNI Instagram social media platform to reach mera people with
Cuntang ared thomas such 2

«Financial planning and management.

& Public awareness of financial crimes,

During Its 2025 campalyn, BNI pubilahed 44 social media campaign posts, teaching 2178421
vawern.

3.

Peramawy Kepa2206 NA
PT Men Magann aura Poraee Tek MANIS

XSBNI ape » ga p)

Watianal Pimenctal Literacr Mevamesit (GENCANKAN
In line witt th yovormmentw Asta Cita program. BNI, togsihar with OJK, corfinuse to
aceoierata tha musarve and collabarative distrbsutior af finanoWwi litaraey and encuuragaa
Ihe sgultabie use Of Nnaneisi products and services for dil wegmerta ot society Ihrough the
Nations! Financial Literacy Movement (GENCARKANI.

GENCARKAN Isa national movement Invotving MI stakeholders (OJK, Tinencial service
institutiong, ayenciexlinsDtutiora, tie publici with the aim of urchestratiny and enhancing
Ia aynargy af financial Iteracy and Inclucan activitiae carrisd Out by ali stakeholders 20
Creete @ Tinancially Iitarate sochety that Can maks sound Snane isl decisiona and awoid various.
casex of financial crime. In 2026, BNI together with relevant stakeholdera, implemanted tha
GENCARKAN program In 36 regencionicitias with 174 aativitiae and 30,115 participants

GEMA PASKAH Ik
The Martet Community Movement lor Financial Literacp and Indkasion
IGEMA PASAR BNII Is & ptogram designed to #ncourays ihe use of
digital tectmology In waditicnal markets In Jakarta, ranging from
ine Impkmentation ot digitat permen systama to transactian data
management, to build a more ##ficisnt tranaparent, and inckasive trading
#x0ayatam. In lina with tha market digitalization program Initiated by the
Jakarta Provincial Government and Perumda Pasar Jaya, togethar with
Bl and OJK. Tiwa program sarves an & means Lo provide digital Ateracy
to the community in the markets managad by Perumiia Pasar Jaya DKI
Jabatan
In this program, BNI introducss financial solutions for market venudors and visitors, swh as
ORIS for cashlese trarsactions, the wundir by BNI app, and the unigua JELITA program, which
#echengar una cooking Ol for chicken sggs In collsbormtion wilh waste banka In Ina program,
| BNI roceivod an award from the Prownsial Govetmmesi of DKI Jakarta as Use ist Plate Winner

for 1ho 2025 Haet Finarsisi Digitaization.

KEJAA OJK OKI Jaharte

The KEJAR OJK DKI Jakarta Pilot Project Program Is d stratagic “waiative of the
Jabodobek Rogional OJK launched in 2025 as part odihe One Asoount One Erudent
IKEJAR) program. This program aime ta Irmprove financial literary and inchusion
wnnng Students by #ncourageng Ihe opening ot savings deeounis for dect
student. The KEJAR - OJK DKI Jakarta program synergizos relevant stakohohders
Ichoolu, Jakarta Education Agency, OJK, end fnanelsi service peoviders) by
taryeting all jevsiu of educatiop (elerwentaty, junior high, high schoci, andi
wocationat high sahoeli. DKI Jakarta was selaatad 8s une of four peovinces fur the:
OJK pilot projset lalang wrn West Java, Bali and West Katenantan), During the
Dilot program period. wiveh bagan In Noveinber 2025, BNI actively partitipated
by targoting 14 schoole in OKI Jakarta, with a total of 1,138 secounta openad. Kar
Its canerihutan to tNs pengram, BNI recerad 4 cariicate of apesaciatan tara

| DK) Jakarta KEJAR Pilot Projeci Award tram OJK Jabodebak.

SestanahBny Mepari 2G
PT Move Mpaarn note memia Pa wati Th

Social and Environmental Responsibility: Creating
Value through BNI Berbagi

BNI mplements
Renperaihility awan integral part of the company's
MANA KTAtNGY AN
value for the somenunity, the environment. and
@l! stataholdere Through an adaptive and nadia

Sosid and Enviroomental

erwating  longeterm

nrlantad approach, BNI continwes to innowata
In dulivaring effective and relevant. solutione
ya addroee various social and #nviroeemantal
enwtenget 2 part of ih company sustainabilty
strategy in areating long-term value for society.
AI metvltise ru carriud Out Im an Intagrated
the wembrella af BNL Berbagi,
as Ihe company's strategic social investment
Plattorm. Theough BNI Berbagi, the Social and
Environmentat Responsibility program & met andy
fotusod on distributing ald, but is also aimed
AL Mirengthaning social resilanen, supporting
community #conomis #ecovery, and pearsoting
@nvironmantal sustainability in & sustainable and
measurabis manear

mann: under

In ta mplomantatjon, BNI Berbagi adopis the
principle at Ereating Shared Vakum (CSV weh
aligne Ihe mede of Ie community Weh ia

campany? business objectlves, This Initiative
In alan 2 strategic instramont to mitigato the

company'4 Opsrabional Impact and support
achirvament of 17 Sustainable Development Goals
ISDG8) Through #mpewarment and stratagie
Infrastructure development, BNI
to promote economic Indegendente while
strongtmaning the company positian ax a trustad
Tesnciat gartnar. This commitment is rmalited
threugh measurabie allocation and execution

continue

Im 2005, BNI alocmted Rp106 bililan for social
and environmental tesponsiblity programa.
with a realizatice Of Rp168 bilikan (NAM. Tia
#fective implementation reectn BAN dadication
to gangrating tangibin sorial and enviroomental
Impasta and reindorsing tha company's role aa 8
reliable development partner. which Wtmately
suntributes to the stability al the financial systerm
and Ow sustamabity of BNTU own businasa
BNI Berbagi plars & vital role In strengthening
community eoonomve resilanca while #mproveng
Peansial intustry stabikty through the supanson
ot access to banking services.

Pemamaniiy Kepar 26
TANANN 171

Sustairatie
D siraren

pndushan
md Ranjaenne

Corporate
Bustairabitty

Inprarad curomuniny Inctnssad inetere, mhih. Intyasand Mania inchaian and
#eeltare, Beeegh erpandad. has dheci lipat on ihe Itaracy, particulery for MSWES.
srometn rapital Sutinger— Financisi etahiity and mcuncerin Ot utara Om mung,
marnuring, aral maret muarainakiliy of henetisiarian, Uwough soce1a to fomuad hanhisg
#eoea That encournyan sanken
mpmvemem in Oa
Pamen » Eetanang aipadiy ng Semnyitening Ma setia
Independence af MSMES. emabling and pesnomit reediancn ul
(tam in inarasar sompatilisenann, —— sammunitins, neiwling ntasng
Tanaterrutka ot Sapand business sesir, and craste—— social tishs, divantora, sad
MOMMMUMIY berharskoe. Nota #conamki disruphars, and
te mesaragng amor
wosuctve, independent.
Inosasing pubiba trust and miiyating compamwer social and operational
Lendwwernesetasd peta Ihrsuph hersonaur and turtanahis melnberahpa Win sha

mmmunitp

Witn Ihese Inpartn, BNI Berbagi not only create
social and economic benelita for the community
But aiso contributes 10 tha achiwvemant ot the
SOGe and the sirengihesing of BNIW lang-tem
value and business sustainability.

BNI #ec0gnizee that thea mecowen Of ihe Sociat mad
Environmentat Hesponsiblity program ix taryaly
dapanderit on the acope and agwteble datributan
Ot banafits, Tharstate, BNI prosetivuly kdantifs
and mitigutse potential social riaks that may arise,
Inctuding unegual develapment and sawatanoe
between regiang, limited access to information for
vulnaratie groups. and potential socisi jealouay
(hat soul laod to confilet betwoen sommunities

Ana mutigation medeata, BNI tenplemenite an
active, open, and participatory communication
Wit ali stakeholders. This approozh is carriod
Out continyarly At every stage Of Ihe pengrkm,
from planning and Imolementation to evaluation.
to ansure that BNIE cocial and environmantai
responsibility program. Ie caniad Out Wan
Inclusive, targeted, and sustainsbis mannar

Tirongh BNI Berbagi BNI supports satiana
economic growth thtough active comtributions
Im Mo Infrastructure sector. Infrastructure
development In one of the main focuses of BA
Social and Environmental Responsibility program
ae 2 tangible manifastatior ot BMA role as an
WgeOt Of development. Sewaral roada have bean
sucsesalully repaired anid connected access roade
in vilages in the Java region. Two lovatiana in
Bekasi Magenoy, namely Tarmiun Selatan and
Pebayuran, teceived funding ussistanze. Ior
cmting and repairing village roade. Mearwhila,
BNI orovided sesistance for Uhe inataliamon of
paving and concrete rebate in throe districts in
Prototnggo Raganey

Economic Aspect: Creating Added Value for the Community

BNI ta zomemitted to implomenting sustainable busimpas procestes that belance sconornic, sooisl, and
anviroamental pertormanoe. This commitment is realizad through the mmplemantatian Of variowa social
and enwii eritah respongibxlity program. Theoughout 2028. BNI allocated Ap166 bilian to support
thnsn prograrma, with & reaizatian of Rpt16-8 illon, ogulvalant to POAW af the total bulgat

BIS presence has Mad various positive impacts, Induding impraved conwnunity wellare. changes In
behavior towurde groater praductivity, and an ineresas in incoma for baneficiarien. Howovar, BNI also
tecogrizes Ihe pesantlai negative Imp4rts that may Arisa, not from It

Visa hut from tie limited

rssch of its programa to bengficiariss, such 38 megultabis coaching and assislance. limited access to

inton d to conflict between comumunities. To
maigato tia, BNI contnuously maintaine astwa and Open communication with benaticiarles during

pengram Impiermentation

Ion, and tha potential for socis! jaaloway that could |

KAWAN BNI Program

The KAWAN BNI Program is a rural communay empowerwant initiatve designed 3 & sustainabis
anaistance plsttcem to strengthan local ecanomic cagasity. Through a collaborative approsah, KAWAN
BNI devalops he potertlat of villeges by Integrating business assistance, commuaiiy capacity bukding.
and axpanding ax

markets and finsoci

sorvi

The KAWAN BNI program focuses on mentoring camrwanitiss in tourist destinatines, such as Sultra
Villayes and ocotourism sites, as well as empoweriny vulnerabis yroups, particulaiy wumen and local
sommunities, This program w aimed at prornoting Village ecanomic mdependanca, eraating Inciusivu

growth and budiding suslanetis soval and economic resiliance within communitiss.

Bawaan Raport 2

me 173

SBNI ass
“DINI D firaoen

Summary of Kawar

Lecaton

Wings Putih Villaga, Mumsar Y
District, Baryuwang Reganay.

East Ava

Petential develapad Mangrove P
ELUTAM, Mangan

Meterian, aoft shell sab 3
tamng

Fi 8
Number cf benafictarme:

$,037 mararen
ki

Lecstan

Pongget Taurism Village, NY
Potasharja District, Klaten

Rapancy, Central Jawa

Petwatial deviloped Saring:

base water tounler lumbub,

tourem viiage

BTT sestenoire

Peupia's Econuimy Beugh
Erwitosmentaty Feendy Batit
Aasintanca

Fi sa

1
Number 2 beneliciaries. w
100 su aoncasers

Serah By Meperi 2G
PT Meri Pengara Ireke rana Perwa Tak

Cowparan e pndushan
Bustairabitt ve Amahoenra

bapaat:

Welibeing beoroved Uuatty af Me toe ceastal semanis
#reugh 3 heater and more srodustw amirnsment resukeng from
Dangtore seyetam rertaratian.

Nature Kestaring Hm mologita function af tts Panggang May
#rantal ea ttenugh Its rabatiltation af 64 hectaree vi mangrove
toreri denngad by laod cemersian, Wetassing mewusl carbun
#tusesiraton cepadiny and mesen Cost kodversty.

Betinty: Epomarirg csontal mena and youth tangyh mukena
ang parikipetniy #rebusmestai #dusatioa touiem sesvalea and
Kilat

Economy. Perscthy #cureini disersieatian amang comtal
swomunikes thtough Ine dewwapeseet 24 mangrove #sotsudiun and
#oft-etan crab rming, tnangrova murserien. and drevatiwe products

impact

Wallbeing inerasend korwisdga ant skite Ol BUMDes Pungget
Tile Mandiri erelopese in towiltm manegemust ani ewean
Weremsed paman sessurce tupacty In ihe Ponggek turis
#eneyaam read 10 #nancial digitmlestian hrnugh traming in ena
226 ORIS inlmuriam business transastiane.

Nature: Presarvatinn af springs tumtuli teocuh contreibe and
#ertainabla tautan management, inereatad cammMANINY AWEreNNNN
SO watar terouree cormervatinn ana buy wilapa asset.

Soctety. Litoritun mngagermant Of variowe mtakmhaldare in the
Panggok Tauriam Vilago Progeam, Klaten, to craste irelusiva
#conernis Berada

Kconarny mersanad reverun for RUMLn Ponggok Tirta Malin
Ihowm munaginy #eurist destieationa, Mrwnsal alficiency, and
ansgmenoy Ir Aguriun Gue te Ihe use el BNI ORIS far tourism
serara transarsan

mpe

Woltbeing merared ceparity and cenidener Ot arwana Hessgh
tehnis taking ipala max mati degan max reydingk.
#eretupwarn and impemerkatiun al SOP4 Ser aroductiun fisater,
A00 governanas.

Nature: Bukesitation af persis wax with palm wax (based on
sesvewaahite raw matarinel

Society. Enpowating toratal woman ad muth Sesugh se
edtivatisn etivitas and mienythening woman rule ae hey mara
(nite Nanah add ecoporn

Feonarny, Instmaring seodurt valis Ihtsuga ASPO-cerifisd
Jabeliny, breeding, ang dPlerantlation Of "sastainabie batik."

Location

Lembung Vibaps, Gali Oretket,
Pamekasan Megenpy Madura, set
-.-

Poteatial developad. Mangrove

Location

Boler Island, Cast Pioras
Megance. Last Nusa Tenggara
Prominte

. Ampast
Welibaing Wreroved Nnanciat Iterany and Incluman amang
#cotouriam eperstorethrmsgh tawe firansat management #Ossatien.

Natare. Prerervatan and Iprovamant of mmangruve ecosyslen
tunctione m8 chastat pratecrioe and biata habitat. Inasasng
mangrove vegetarian arxa and geiiy Meraup rehakslantian ara
mantenanse eMorit.

Sestetr. Strengsering esei ranerion through coliectiwe artivtmu
(planting, maintenance, Buriam serviaal fortering local benderatip
in managirg vilaga satcsi rencirtra

Ecanarny. Diversifyng she vilage pconceny to be mine pesilat In
amitwmentat and texsesa riska, darelaging scetwarias 43 8 lang
WI #K0 IPS asasi For Ulet Villa,

Wellboing beerovng Me wear af artisan terndies Uvoegh mute
siatie pwumas are Sumueri the resmikan meat enbadran ane
pergrant wamun, Ernating A basither and more deoent wereng

Poteatial devsiopad:
pesat Iadi Ebes weseru
Adera pen asetai Duttura
(pwservntisn ard rirangearung
@! waditisoei at memingl

Fi

Nuraber ot beneticiaras:

420 arisan

Location

Yaro Wora Tradonal Wlage,
Patra tawa Vilage Lambuya
Diatoict, Wat Sumba Regeney,
Erat Nusa Ternyata Prownte
Poreatial develaped: Cu'ture
hasad Tautism Witage

Fi
Number cf benelitiaries.

200 armor

am MUA 10 duan water ang Remah Anyam

Natura Bajang putitt mwatsane vi ihe importanca ul menang
Total eco1ratanye 25 iba basis lor a sustainabie eseative ezotare

Sesisty. Srmathering sacial and woname Insttutime thmvagh
esoperaiteesard caliartire setivitnn surh ar Joint Wassing Asin
MUSI, srenarving re cutura! heritaga ol lornar alinytal memang
and kat wanving trowgh intargeneratisnal komutadga traretsr

Eroooiny: bersaing ihe mided valus and tompetivenasa -f lvzsl
#eaducir tirough arereved sroductan standarde and business
management. mepanging marert Meat, and prempang mebsaiva
and mentarabie Iscal sconarnis growth.

» mpaat
Welbeing, #nptowng Che COMMUTILY3 guaiy «4 Re Brnugh Ea
ereatian of busitess opportanities and new asarane.of inceme irm
"ba cultural tauriem taztat incresting the indiganosa semmunk
seida md sepihorudiai welibelag in relagun La Ber identity and
cultural peraga

#mervason el Se sursundny enekanmeal

4 Mature, Maintanitry a balanse between tourism astiv tes and Ehm

indigenaus zemmusitise ia Ihe management df ihe tvarism villape.
#rwuring the preservagan of cuvarai valuss and custorw tevugh
"ba sctiee swahramant ot yaung generatiane and Irasitional fgures.

73 Seciaty Swengronng secai cahemun and ihe pertictpatian ad

@£ tnotlet #etractisne, tour packngen. and sunperting serviKar

ke Econorny, Diving tie Iscal acooemy Lesuyh Ie dewaprein

#rowraging the formation af am hetisiee and tustaiabin tmurem
vilaga seunyatar besad an loosl polastial.

Pama maba Rapat 230
PT Hera Magann atarema (Perwal Teh

ASBNI

Lacetian:

Jawasaya Vilnye. Mauponyge District.

Napseso Naganey tart Nusa Tengga:

tervat aderesengi Iligh prosa af
#usting and shi malutrtios, pusr

materai putrAlon, lack ot

on edge

and pvar netrtinnal practice among

al
Posyandu coores

Number af benehiciarina

90 sanraratara

Locatioe

Lambeh Asri Serang Tourism
Vitage Purbalingga, Ce

sepantyat (N

Potantial develagat Tove

“Lagu wan
Weayroto

setara

het pentaratiai im 3
td hurbeuftete aj

Number af bensfetariea

55 wutmooisars

a81 Napas 206

Impast
Metibelng na Lee In
rama, and the heash cansitian sf pregnant waman Wih ehrone
upelemortary tanding
IPMTL inctessod kawatadye and esectict ol besltliy tmmily care
hrsugh parereng stasses

8 chikdran'b mutilasi status ang

#rargy defisianey ICEDI ttrough targetn

Bovisty. Suengiharung iku senacty & Peryandu ang healthy
Nitchves no mdktress turing (DASMATI ce
He Vilage dm

(es agsots of ihanye

(hening mumars

Jenderabip and demy rembann

Ecesomy. Stongrter
Wilagee by mmproving the mebty of human #resurcse

the longaem ecenumio foundatian Ot

Impast
Mefibelng Iniraawed human ratowta sepecky in he DLAG
Wuriam #caswstem #wated 3 beenciat digitafiallan Imuuya Ihe
banting

dinnemination af the wen c..

Soviety. hivalveere of various stakehoksers
end cotisbutalive suenomic benefita

a eraeting Inclusie

Koomomy: Assilabiity ul fasiti omusitie

1D viart busiasses by udidng

koe underuriwinyas
ata ke tee #ood vaurt eren,
MMS Sue tu ec ewing a Mirna buninean

Ineraang Incnmn

Incatan that In aseily senamihla to visitor

Rumah BUMN.
As part of tne Ministry of Stme-Owned Enterprises"
Inisative, Rumah BUMN wos estabiished to
mronythan tie role af micro, emat, and madiun
#nterprisas IMSMESI m6 the main drivers Of Ae
pationak economy. In its mplemantation, BNI plays
an active role aa Tha manager of Rumah BLIAN In
23 locatkang spreed across region In Indonesia
Rumah BUMN activities include capacity bulding
training, businosa mantoring, and market acceas
taciimation.

Through Ruman BUMN, MSME development ia not
081 focused on strengthening Ihe local marka but
also aemt to cpen up oppertunitias for axpansion
ta the national and Intomatianal lavele. Tha
fowternd MSIMES are facilitatad to Introduce their
'best producta through various dornestio and global
setutntione, sepand their butiness networka, and
increase tie addad value af Ihsir products

Disability MSMEs Managad by
Rumah BUMN

First, Mr3. Sukarenini Bulu rang a disability
MSME and is also an environmental actmist
In Soutnweet Sumba (East Nusa Tenggarah.
She has Desa tuning an MSME at Rumah
BUMN Southwest Sumba since 2012 In
addition t0 being & craftewomar, Sukarmisi
Ava aclively ahares her akilis as 4 resource
person and has visited various Viliages In
Ine proneinga to 1rain penpln in plastic waste
manegement end the production of recvolad
bagu The Rumah BUMN In Southweat
Sumba activoly mupporta Suksermin wa
Gasbilty-omned  MSME  anvironmantal
activist. The contributicn of Rumah BUMN
BNI Is not only about technical training. but
also about bringiny ape and oppartunties
that encourage positive change with a direat
#mpact on the environment.

Second, the Goliu Hade MEME Group In
Ombariie Vitaga, Wewewa Tangan District,
Soutimwest Sumba Reyency contimues to
aproad ita wings in the world of umalt and
medium @ntarprises, Load by Solaaman
Mamo, Ube yroup utilhes natural resources
that have not been property managod, such
4x yinger. moringa Wawes, chi peppara.
coconuts, and corn. Gollu Ande hasbeen abis
10 oruatu and #mpluy wortats in Soutiweat
Sumba Raganoy, Skew but steady, Iu Goliu
Rado MSME Group hes grown to become
one of the laading MEME In Southwsat
Sumbe and eyon d partner of banka such at
BNI and Rumah BUMN Southwest Sumba.

Bamamakidiy Rapat 0
@arewa IPeraei Tu

17

——.

Social Aspect: Strengthening Social Resillence and Cohesion In the
Community mw...

Te social pilar In semed at strengthening the social capacity of communiliae to enabie Ihern LO deal with
yarous stroctural challenges, ranginy trom sosis! vulnerabilty and megusiity on access to basic services
to the Impact af dimsatars and rapid social changa. BNI believas that social reailiance is Bulik not only
Utrosgh tie fulMilmant of bwsic nesdu but also through the sirenyihening al social metiwarks, Ly, Knd
active community partidpstion in the development process.

Tirosgh an melusive and commundy-based approach. BNI encourages Imorovemenes in Ie cemmundys
awality of ifa by mepanding avcesa W0 education heelthoate, protection for vulnerabie groups, and
mrongthaning local capaony. Social intarvontiana are designed to fotar a sanse of belanging, sodidarity,
and trust among #takehokdere, Iheretry creating strong socimi comesion 4A Ne fuundation for long-term
mability and tustainability. Thus, social and environmental responsibility programs not only generate
individual Impact but alto bulid colloerive community reslimnea.

Education

Citdrun's Charartar Educatinn Program and
Yrather Certification

As part of BNIe commitment to kuppartng
Wee Improvement cf education guality wnd
srengihaning human resources, In 2026, BMI
impiementad the Onkdran's Eharaster Educaban
and Taschar Ceemlicatior Prograrn In West Nusa
Tengyare Provinze: This program machad 49
sihools in Lombok, Invelving 3400 studunts,
150 tesehera, and 390 parents Ifougn Cheracini
aducation that emphasized ayneryy betwoon
sehosls and tamillas. Additonaity, BNI supporte
Intarnatenal TOEKC certiicatian for 100 English
teachara actoss West Nusa Tenggara 25 an
affort to emhunza aducator' papacity to dalivor
campastive tneching Wened wtih miematiana
mandorde Tha initiative Is expected to contribute
to festaring a yanaratian that exoole scadeemically
while posserang strong Character in Ie tut.

SwutunahBny Neperi 2G
DT Mas Peryara relawan (Peran Tah

178

Sebukarahapa

Ar part of BN commitment to supporting
Increased access 10 and sustainability of edutaton,
throeghout 2025, BNI distributed acholorshipa
1 788 recipkanta wiih & total akocation df Rp5
Billion. This program Is airmed at encouraging ihe
#utimnabklity of education and the davelopmant
ct Ine youngar generatioera potential, #4 a lang-
term social Investment in baliding superior and
s0mpatitive human resaursas.

Eilucational Facilitias end Infrastructure

In 2006, BNI contributed to impreving the gualny ot
nducation by providing zewatange to 177 sehoola
and #ducations Institutang In various BNI working
area, including tha construston and renovabon
Ot school brulidinga, ciwesrooma. and leboratorisa,
the pronision of learning support fazilitiss and
infrastructure, aducational teaching aida, and
Iwading parka. TiWw support Iv sarwad Berasa
member of regions In Indonesia, Induding West
Java, Central Jawa, Eaat Java, Bal, Riau, North
Sumatra, and Maluku. to impeove the comtort and
@uality of the teeching and lasrming process for
Mtudente and sducatori. Through this initiative,
BNI atrives 10 muppart the creation of a competiti ws
and superior generation that Will contributs ta
future development.

BNI is comewited to supporting #forts to secelerata

atunting reduction Im Indonesia through the

mplementation Of Iwa compiemertary strategic
prugrams that are oriented towards sustainabis
impact.

«Through the KAWAN BNI Progrars, BNI targats
direct assistance to wulerable groups
Nagekao Regency by providing nutritional
Intarusatlane 10 80 ctvlekun wuttering toe
stunting, wasting, ani underweighi, ae wall
28 26 mothare with Chronic Energy Deficiansy
ICEDI, This program not Oni fosusas On
meeting petritlanal needs. but also un busiding
Iha capacity of fumilisa and Incal cadraa in
Murturing penctices and balanced retrtian.

8 Through BNI Berbagi, BNI support the
improvemant ot bawe haalih delermnanta in
Bantan Pravinee by providing sutritlana Inod
far 200 benaficiaries tor # moneha, ac2ompaniod
by the remavatian Of uninbahitabis housas
and the construction Of toilet fecilitiss. This
Interventian Is designed to improve the
auality Of like and #evironmantai kanikation ag
important tactore In he long-term presenbion
Of stunting, In addition, BNI also impismanta
Intagratad intervantises In stunting prevantian
Wr treatment dfors In Tasikrnaleya, West
Jawa, This program Includes the distribution
Ot rutriticus supplamentary food to 4? atunted
ciilaran for two months, he peoyision af basic
food assistanea to parents df stunted children,
kod te organiaaton Ol mutetlon seminar
lor pregnant women as an sariy preventian
menura. Furthermora, UNI sirsngthane
Paranting and mental health aspesta through
wnart parenting and rmertai Medi training,
improves basic health service cepatity Iwough
trmring for midwives and Stunting Respoman
Cadres. aril distributes education! Loya IAPEI
to 4 posyandu Icomumunity health postsl to
#uppart enkd devalogemant stimulatan and the
sustainability of posyandu services.

Catareet Program

1 2028, BNI cotaboroted with tise Pundi Amal
Padu Kasih Foundation (YPP) and tha Indonesian
Owtinalmotogit Associmion (Perdamil #SPSKI
to hold a cataract wuryeny social service program
at Komodo Ragienal Gonarat Hospitsi, Labuan
Bwa, West Nusa Tenggara. to heip Ihe community
prevent vision impaiment 30 they can carry out
their dally activities normaly. Tnia program has
helped 100 cateract patisntu, anabling beneliziarias
to resurme ncemal and productive activities while
Improning thor guality of lte and indepandanco.

Pamamabdiy epar 200
PT Hera Magann atarema (Perwal Teh

SBNI ace
Empawering People with Disabilitios

Uhrough UNI Barbagi, BNI suppars the
#mpawermant Of peoplw Wih Winabilitisa
tivough various sociei programs tihat focus an
mronytharing businesa capacity and economic

Indopengenea, This suppart in» manitestatian ot

BNI continuous comenitment to ensuring that

vulnarabis groups hawa gusi aceanr ta docent

Iveimood opportunitkas.

One of the interventiona was the distribution
af brigustte production machine to the
Indepandang Cisabled Community located
In Banjardawo Market, Genuk District,
Semarong City Tiva assistance was aimed at
Incressing production camecity and #Kelency,
wine streogthening the sustainability of the
tommunity'a business, which hasbeentha main
#ouree ol Nvetihond tor ita members, Prewouny,
this camiwanity produced briguettes on & amal!
soale with Iknitod agutpmant. weich rutulted
In low produrtian vokimes and Income. With
lha more adegusts production tssilitiss, BNI
helps bocat produotivity, expand buainsas
@oportunities. and improve the #conomic
wellara of the mombers of ihe disabled
cemmurity ard thew famuilos sustamabiy.

"BN aupporte women ampowefmant,
including woman with disabilites, tltough
Rumah BUMN in Bekasi Since its astatikahmant
In 2017, Rumah BUMN BNI in Betati has
become 4 developmant platform for more
than 400 micro, amall, and madium entarprisae
IMSIESI. Aside rom providing tameng and
busnesi mentoring. Ita program also sarves
ima tangibla proof of BNCe pensanad 2g an agant
@f development. One of the Inspiting stories
Irorm tie tieneficiaries of tie BNI Rumah BUMN
In Pain, a woman with disabilitiae who has now
succeestuly developad her culinary businasa.
Bumbu Pecel Yuk NL With the support of
maduotian eguipmant from BNI, Paini has bean
Mile 10 AIONNGAHIIy kncranga Iver prodesthon
rapanny

2 Gontnirabitw

pndushan
md Ranjaenne

Corporate

& BAL toguther with the Indonesian Ministry of
Sosial Affairs. provisud support in the torm ot
business »guipmant. business development
aneistanee. social media management
esistance, and daabilty ade 10 10 MSMEs
run by people with daabilities. This ptogiarm is
part at BNI etforte to encouraga peopia with
disabilitiss 10 develop, Impeovu their weltara,
#upand business oppattunitias, create & more
Inclusiva MSME esonyetam, and promote
wonomic ndupendanas for people with
disatilities,

Social Resiliance

BNI is comunikted to contributing to food security
atrengthaning and food maecutity mitigatian
1 part Ol A8 social protection mand cemmunny
walbeing Impruvement #fotts. This comenitment
in romizad tiwough tha Implemantatian cf
Integratad tood security programe Lha ane
responsive to community needs, ineluding during
religious holidaya tuch ae Ramadan and Eid al
Fite, 20 well as Cnristras and New Year These
programs ate mened at ensuring ihat ban needs
are mat, alleviating the aconomis burden an
“wuinsrabis communitiwe. and swengthening social
Saiktarity and community cohesioi.

Im 2025, BNI distributed 291.450 food peckages
to vulnerabie communitiss In various regiora
ot Indonesia. This distribution Is part of BNI
Gorpormta soclal and anviranmantad remponsihhny
strategy 10 strengthan social resifance, malntain
cammunity waitara stabilhy, and anaure the
company prasanew In teponding 20. the
basia needs of the community Inchasivety and
sumtanadiy,

Disaster Emergency Response

Fulfitmant of Oinsic Monds

BNI astists disantar Vctirna acrose Indonesia, including ihose affected by Nash Moode in Sumatra, the
#ruptico uf Mount Lewatobi Laki-laki in Eest Plarss (East Nusa Tenggeral, ilash Moods In Napetec end
Bai isiand, and tiroe in the touriam villaga of Yaro Vfcra, Weat Sumba (East Nusa Tanggaral. Support ia
facusgd on masting the basic need af attestad cammunitias by distribusing food peckagan hygiene kita
and other emergency suppiles to ensure survival health. and occelerats post-ditaster slabilitation.

Patam aki Rapat ZR
#1 Hwa Majann pearesa Perwal Teh

us arata
siranes

SBNI

Satu Hati untuk Sumatera

BNI je supporting amargancy raliaf afforts tor
victima Of Ninsh Nioode and landuides thai have
siruck varisus arsas in Aceh, West Sumatra, and
North Sumatra. The sesistanze providod ieludae
food wanpiles and daliy necmesitins suci ag rem,
instant noodisa. »ggs. and ready-to-eat moals, as
wuli an baby andi aldarly caru itoma lia disporu,
Intan tarmula, and baby parridya. Distributian 4
peloritizod In areas with the most sevars Impact
that have Dean daciared diaratar amargenciae.
Specifsaly Ine Aceh, taguthar wilh other atate-
swned anterprises (SOES) thrvugh the BUMN
Pedut “Satu Hati untuk Sumatera program under
Ihe coordinatian of Danantara. BNI Is distributing
#Wmeryency relist 10 disaster-affacted. residents
In tha Aceh region. This aka distribution Ie part
at BNIY rapid responee and concrete action In
Supporting tho emergency reaponeo phase as wuil
2x the Initial senowary at affacted communisas,
Wih atocus on mesting basic needs and proniding
suppurt dor vulnarabble groucs, sspevally children

lafvastnerturs Emargancy Ranpanan

BNI distributod sid In Aceh In the form of 30 tanta,
ponsating ol & units of 3nd tante, h unite Of 3x6
Yenas, and Z0 uns Ot 6x1A platoan tante, In Ihe
Keid of education, BAN distributed 400 siementary
xzhool unifarma, 709 juruar high schoet unifarma,
ati YO high school mniforms. To support temama
healing activities for children, BNI also distributed
200 dolia, 200 eNidrana ataryhooks, 100 sate
“1 toya, and 24 wgusre metara Of puzale inatn, In
addition, UNI distributed uther supporting sid Ii
the arm af 1,009 blankate, hygiana supplios such
4 s01p, brushses, cisaning Mtundu, and broorme, tour
water tanka, 10 rechargaabis flashighea, and 19
beras of maaka.

Serah By Meperi 2G
PT Meri Pengara Irekerani (Fara Tah

12

pndushan
wd Ranjianne

Corporate
Bustairabitt

Tewuma Haaliny foe Cisiidron in Disonter Aswan
BNI Is tavilitating the peychosucisl rerovary
OA chikiren attestad In Mash Moodis im Leuser
Vilage. Southeast Aceh Megancy, Tilas @tfor
underscores BNI4 commitment to port-disaster
reconary that focusas nat oniy.on pnyaical and
loginticel #ssistance. but also on mental recovery
and paychologisal wollbeing ot vunerabin
goupa, sapadialiy children. The trauma healing
kerrices provided are part Of the Corporate
Social and Erwirunmertal Hespunsibiity policy,
which Is Oriwnted towarda #wstatnabis racovey
Together with other SOES Uwough the BUMN
Peduli “Batu Hati urtuk Surnatara' program under
the soordinatian af Danantura, BNI provides
perthorocial assistance 10 chikiren afectnd by
@eaoatare

Trauma healing activities were one of Ike guick
Impset Initiatives of ihe BNI Berbagi program
Implemanted at the BUMN Volunteer Command
Pest in Lwuser Village. Involviny tecilitatore
#wpariancoii in sesiating clidron in disastar arosa,
these nruwlier were designed to provide a satu
space tor cheldran to play, Interect, and potitively
#xproas their feelinga

Pori-disastar: Home Menavatioa

BNI provides hossing recewary support by
repairing homes mfectad by the sruptian of Mownt
Lewotobi Laki-Laki Wi East Flores. Ensi Nusa
Tenggara. Thin program aima ta restore Avabia,
setu, and healthy Kousing while supporting the
recovery cd the community's guality ol Nike in the
port disaatar rohabilitaton phsto

Post-Disaster: Danantars Nousing in Aceh
BNI has declarad its support far the gavemmant'e
targatthrough the Danantara Indonesia hssimang
Managermerit Agenty (BAN ta provide 15,000
Danantara Houree Ikuntara) for communitise
attocted toy Manstere In Aceh, West Sumatra,
and North Sumatra. This sifoet is in Koe with the
government'a comrwi:mant io provide decont and
Myrelisd houting tar disester Webima aa tungibik
mmaniteatation of the atate's presance. BN
participatian in the construction af Huntara in Acen
Tamiang Ragancy Is one torm Of this support, An
the first phase, BNI contributed arourid 201 or 120
housing unita out of 2 totai of 600 Huntara unite
buat In tie region. In addition 10 housing untk,
the Danantara Housing complex Ia also cawpped
with various supporting facilitise including »
playground, WEFI metwort, prayer room, pubtic
facilitios, an we 2s bathrooma and sanitaton
taciinins

Employee Voluntwering Program

Since 229. BNI hes been Implemanting an
Employee Valuntesring Program (EVPI for
wmgtoywas 10 acmwly parlicipsn An voc and
#rviron mental sctivitie intogretd Into the BNI
Berbagi framework. This program is one of 1he
Ker Pertormance Indicator OXPisi ot ine Ministry
Ol State-Owned Enterprises” CSR, while also
raftocting BNIS sommitmant to ancduraging
The wofantany #ncetwarmant af smployese (BNI Hi
Movara) to contribute their Um. energy. and ideas.
Through EVP, BNI not ondy creates tangible benetita
far the camenunity but ale sirengthena ampioyas
#nyagement, loyalty, zruss-unit Lollaborat-an. and
the developenant of empatnatic loadership among
BNI persannal a8 part at the ceempanyA human
capital and social capitsi Geveloprmeri,

"aa Ma

makin Rapat 30
Lema (Peraei Tub

183

Sustairatie
D firoen

SBNI

The imelemertatian of EVP includes variout social
jarik seviconmental activifies, such as tee pianting,
religious holiday celetrationg, ' revitalzatan
Ot places of woruhip, ae woll ae Mumanitarian
and community emposermant actiona In BN
@perational areas. This program is dasigned not
only 10 lotus om setivitias, but also on ereabing
sustminable social, mconomis, and envirurunental
added value, in Nee with iha principles of good
social governance and the SDG agenda.

In 2026, EVP expanded its functiona by sctivoly
participating in iha Seventh Haseh at Ine SOE
Volunteer Program (ABBI organized by the Ministry
ad SOEx In Pamakasen Regency, East Java, on
February V1 2025, This astiviry was part df
simultansusa program In 10 kocations invoking
150 SOE amployaas, Aa the host, BNI daployad &
voluntseee who sollaboratad wah 10 woturtesew
(torn other SOEs 10 carry out various cross-sectur
soul setintias.

BNI sisa dopluysd wolurtsers 10 be directly
Invoivod Im disartar managemant and sarly
recovery eflorts Tor aifectmi communiiss In
Aceh. The incobvement af BNI votuntsers Is part
ofa joint action by the BUMN Family tiwough
ttm BUMN Peduli "Satu Hati untuk Sumatera”
program under the coordimation of Danantara
Indonesia. BNI votuntaars ware dispatohad along
with hundreda Of volunteere tram 11 SOE4 and
focused on strengthaning humanitasian activities
In 1ho afiected arang, mticutariy Martis Aca anci
Soutesei Acah ae Ine main disaster management
command posts. As a farm of operational support,
BNI dintributod loyisticol sid using three trucin
smrying ciuming suppiie sanitatkan support
sgulpmant, and. supporting #auloment such
at watat tania, water pumpa, generator, and
vuluntser sately #cugenent. BINI veteriner came
trem varicus work units In the Sumatra region,
Including tha Head Office, BNI Region Ot Madan,
Region 02 Padang, Medan Branch Office. Nortn
Sumatra Univetsty Brereh Office, and other
branch otfitee. ratiernng ina apint Of ceoperatan
and solidarny ot BNI #mployewa In responding to
Pumanitarnan emeryencea.

Turunan Nope 2G
PT Rani Peran Intern Peran) TOK

Corporate
Bustairabitt

pndushan
panjrenna

Philanthrople ASSIStANGA j0 15...
Tivosgh BNI Berbagi, BNI carries out its social
rerpomibility by distrbuting various forme of
pevdanenropic assistance to support Me fulfilmant
0 batic media and socidi retillance of the
community, In the hesith sector, BNI pronded 30
whasichairi tor pabiants, an wat 2a clean water and
serviatlon lecilitis in PR aftected meme in varidua
rogione of Indonesia.

Iw supporting tood awcurity, BNI dismibuted
291460 food parkagen, with 22.000 of the food
Padkagaa going 10 diaaster votims and iha past
10 Other socisl activitise. BNI aksa supported the
Oanstrurbon and rangvation of Intertaith worahip
faciitisa, With a total of TAS woraWp facilitiae
receiving assistance theoughout ADIS. Im im Isid
@d eduzation, BNI distributed assistanos to 127
#ehodis and uducatianai wuttutiome, including
support for learning facilitiss and technology,

In ling with the govammmant'e priority program,
BNI contribwtes to aocelarating the reducilan ot
stunting by providing food packagas for toddlers
and pregnant and bresetiweding  mothera,
providing mutritivus Yunches, ami trakming
Posyandu tadres in Tasikmalaya, Tangerang, and
Nagako regencias. Thane afforte retleet. BAN
camrMtnan to mproving Ihe wellane and Gumay
tits of tho community sustrimabiy.

Measuring the bmpact of Social
Inveatmant wu

ANE atriver 10 Cresia dustanabie Impact and
addet vwus tor Ihe camemanity thranyh vatosws
social Investment peogrems Cerried cut under
the umbrafia af the BNI Berbagi program, Eaen
Imatvention Is designed not Only 10 nddiwes
ahortterm need, but also to encourage capacity
buliding, 'adepondance, and s0000-economic
resbance among the bangficiary ccmmurvties.

Aa part of 8s conuniimang 10 Accountabikty and
otograim Gusity Improvement, BNI conelstenily
#Walustes and messuras the Impact of ita Bakti
BNI programs. These evaluaness aim ta Identity
@chiavernerts areas tor Improvement, and ihe
#ffectivanese uf programs in uresting sustainable
“001M, sconormic, and anviranmantal banafita.

"nadditionto outsorme-basedirmpact measuremeni,
BNI also appliss a commurity satisfaction Indon
NCSI) 28 an evaluation tool 4 capture the bevel

ot tatataction, peroeption, and #xparisnce of
beneticiarias regarding program rnpiementaban,
IKM mearuramanit ptovides an Overview of service
@uality, program relevance to community reada,
and Ine effactiwenese of the mentoring approkch

The results of impact and CSI messuramanta
farm the bawa tor the soatinuous Improwmant
process. as welas serving asa sirategic reference
for geogram dawga refinarent, implementation
Kwang tangihaning,— and program
replication to other regiosa to ensure more
targeted, Inclusiye, and long:term impact.

12026. BNI conducted anuths measurememofthe
Impast of ite Corporate Social and Emeironmental
Respomibility (CSAI programs uwng Ihe social
return on investment (SAOII and CSI methoda.
The measurement process was caried out in
Golliboratian with an independent party tor tee
seleated CBA progiarma, namaly:

lembah Aeii Serang Iraram Vilinga 2g Gong
FPrngram, Purbalingga, Central Jne

Panggek Toutiem Village Pruyrarn. Kiatew, 251 Ben Gesd
Geraral ana

Ngawi Seat Oanat Ertarpres Nmueng «.x We Nary Good
Program

...

(tea ap BA aa af LA meme at me0re At Li

tetani wrn

Community and Environmental Program Compiaint Handling Mechaniam 11 0.

During 2025, BNI did not "cord any comeplainta or incidenta retated to violations of the righits of indigenous
pangiaa in the wage surraunding the cempany's operatiana. Durng the same parind, BNI alan did not
(eteive any Coenplaitts from the general pubite regarding negative impecis On the envkosement, This.
(ellacta ON comrwimant to maintaining harmoniows relationa with lacal com munitiss and ensuring that

all operational activitios are caerind out responsinly.

NBNI

Environmental Aspect: Maintaining Environmental Carrying
Capacity for Sustainability ... «»

The seneanmental piliar tocuses on efforta to presarve and strsagihan seviranmmental carry ing capacity aa
a kay praraguisite for soc1/ and #ronomic sustairablity. BNI racognizes that envkoemantal degradatan,
Serie change, and ncreseed Nat Of natural disastera have a dwet Impact on community welibeng and
The sustainability Of local scoo0mic activities.

Tirosegh the Socis and Environmental Reepo mibiliny program, BNE encouragae reapansitie. adaptiva ang
locally based environmental management including ecoaystem protection, sustainable naturaf resource
managament, and Increasing community awareness and capanxy in daakng witr anviranmantal riaha.
Tba approech 4 aimad at Ondy at ermronmental resisealioa bul dita al peeventian and strengthening
#co1ysiam renikence. By maintaining a balance between environmental utilization and conservation. BNI
te committad to onturing that tive benafita of devalopemant can be anjoyod sustainabiy by current and
tuture generation,

Earth Hour Participation

BNI parikipates on Earth Hour acilv ket Io redure Ihe Impact of cernate change Through Its energy-saveng
campaign, "A Mowent Without Light foe te Pressevatian of the Universa.” BNI has been cenducting tha
acnvity ragularty tor 15 yaara since 2010. All BNI atfice buildings, teorn tts Hand Oftew, branctres, and eradit
sentana, to Ad Overssas branchee. turnad Off thai bgiis from #30 pm. 10 KIO pm. an Saturday, March
22, 2025. Energy savinys can stil be sehicvod withwut Uisruptiny custorner service, as all ATM remained

#peratioeal. Customers were sIRI able to secesa banking services sasily Ehraugh various available digital
cnaonsts.

Bweresah Bp Nepasi 2G
PT Meri Pengara Ireke rana Perwa Tak

Conservation of the Environment and
Biodiversity '

BNI businase activities do nat directly impa:
BNIA ofikes are locatsd far frorn
cted atoat andicr areas with high tevala of

ta

#tviton ment

pen)

Blodwersty, enwusing ti BNFE cperaticew da not

have @ negative Impact on biodversity. Howuver

asa form of
prosarvation, BNI har

ot Ap7.& bilkan during 129

roniged  erwronmental

upport 1he

implamentatian of varour programe simed at

improving sewiranmental guality and wcoeys

catrying capacity In & sustninabie marmer

BNI knglementa — biadiverskty — coneervallon
pitistives through #fforts to protect Mora and
N accordance with Regulation of the

106
Include Ihe protection of

onment and Forestry No
Ot 2014, These effort
andemis Irdonesian plant and animal species
mean arangulan

netuding ihe

Tts Bormean orangutan Is an endangorod
mpocias ciassitas as cribsaby angangered an the
at Nature

Internatiang Union tor Cossarvation

NUCNG Red List The Bornsan orangutan Is alsu

tegortted ag an wmbenlia apaciae, wileh Is an
animal with & wide range of habitats. playing an
important role In malntaining the balance and
Wurossa of other speciae' canservution Protwcting
the Bornean Orangutan mat only Impacts the
survival of the but also

speciss'” population

provides broadar ea

age berati

onservation of Bornese Orang Utang (#oni

nygmaaux
BNI plays an active role In supporting Bornean
Orang Utan rehabiltation uforta through

oeoperstion with tw Ministry of Erwironmant
and Forestry IKLMK) and the Borsan Orangutan
IBOSFI. In 2006, BNI

entributnd 10 the rahabilitation af four Barnean

Survival Foundation

Orang Utans at the Nyaru Mentang Orang Utan
Renabilitation Centar in Centraf Kalimantan. »
wob ae The restaratian of B vertarus of orimeal lang

In the Samboja Lestari area

Bamamakity Raport 207
arema Persorei Tab

187

Susah

NBNI ”— »

siranes

At tha rehabiltation sita, BNI mupports ihe
farast seosyutom racnwry process. through
telorestation, land maintananan and Nee risk
managermenit activities to #esture ih arnas
function as a natural babutat. Thase atforte aan
to provide lasining spaces. sanctusry areda, and
adeguate food sources for arang utane. In additon
to habitat restaration, BNI alto provides support
Par ant hestih by supghring vitamine. teaching
about natural (cod preparation, and nssiating
with Antrastructure Improvamants In cansarvatan
aras

BNI Barbagi also plays @ tole In protecong
tendangered species congerwelion UNA ang
andama to Indonesia. one of which Is he Bornean
Orang Utan (Pongo pyomusual Racagnizing the
Importance of orang utan sustainability aan
umbrelia species in maintaining sowronimental
wummnabsity and biodkversity, since 2018, BNI has
sonsistentiy sanporiad Orang utan Canservalan
In Indonesia through collaboration with 1he East
Katrnantan Natural Rerouroes Canservatian
Aganay (BKSDA) and the Borneo Orangutan
Survival Foundation (BOSP) fecumng an the
rehabiitatian and conservation Of entical land
that i8 Aha orang utas acokyetem, This yen,
BNI rahabilitatad four individual orang utana zad
plantad tree In an area ot & hectaran Of eritical
land. This sustainable Initiative has been ongoing
for several yaars, with two Bornean Orang Utans
rahabilitstod and 1reas plantad an 4 hactares Of
land.

Serah By Meperi 2G
PT Meri Pengara Irekerani (Fara Tah

Corporate pnduskun

Surturabitt wd Rarjaanna

Mangruve Forest Ratabilitatkon sis «

In 2028, UNI continued its support for refaresiation
and land rahabilitation mewwities ae part Of
the company commitment to peeserving
the anyironmant. One of the program that
Santinues to he impismantad Is mangrave forest
Conservation In Banyuwangi Regency. Esst Java.
spotifiealty in the Pangpang Bay area, whiah has
bean dasignatod an an Essential Esoeystam Arsa
IKEEI

BNI, Monysida Ihe so1memunity. cantinuss its series
01 mangrove conservstian activitiaw. which include
the prosurement of sendiinga, piamting, and
mantenanca of mangrovus. Hy te sad Of 20,
this program had recurded progress m the form
ot piseting approximately 150,000 seedilnya un 40
Pactares of arwa, and & plant surviral rate of 38X,
demonetratiny Ce #fectivenesa of the programs
implemantatien and tha active involvement of the
comenanity In makntaining the sustainabilliy of Um:
#00syatem

Im 2075, activities fozused On. strangthening
plant maintenance, increasiny the capacity af
lecal communities In mangrove managamunt,
and contingous monitoring 10. #awure Optirnal
#elogical and socimi benafite, Rehabiktation
fforts ara carred cut through an agrotorestry
aporoach, whick Integrates w — ecological
functions Ot mangioves with the sconomic
potential of local resourcat. Tha approach airna to
Imptove soil and alr guality, maintain the balance
Of cosstal #cosyatarns, and strenyihen Ihe region'&
resilionce 10 potential natural disastars, such as
tidal Moceting, abrasion. and the impacts of climats
Change,

Tosgh the mangrove renakilitation program,
BNI 20t only contributes. 10. #nvkonmantal
Conservation effaris but Mao empowera coaetal
comemunitiar. raives #owironmental awarenasi,
and crostes long term value for socia. sconcenk,
and environmental sustainability in the company's
Operatanal areas.

Coantai Meforertatian 2.

BNI asa planted 50000 cesuarink asediinga On
Tiri Baseh, Indromayu to commemorata BNFS
Yoth anniversary. This Initiative Ie designed to
wupport codstal aco1ywlem  Sonservatisa by
Inarsasing vegatatian covet, which playa & role
in carbon seguertration, protecting anastal areas
from #brasian, and sireagthaning #ewironnertal
tusilience. Thia ativity invulvas. the local
community. studonta, and BNI armptoyees asa form
04 collaborsiive pertikipation In sewkonmeetal
pteservation and the sreatkon of & sustainable,
pesitive ampact on coastal #c00yaturra.

Working with the Community to Manage
Wastu

Aa part ul Its commitment to Sustainable
environmental management, BNI supports waste
managament programs by providing 16 waste
ballestian motorevelas In various tegang Hd
Improve the sifectiveness of waste collection and
transportaban at Iha community level In adekman,
BNI also implamanti waste management progtiita
Inthree school in Bali Provinea by providing waste
#hrecden, cormponeru, #eparata waein bin, and
condarting waste recyding education song with
#mangial llteracy.

This support nima to mrenythen community-
based waste managamant ayatema and
"dusation, encourage behavioral changa in waste
management Iroen 4m marly age. and created cman,
healtny, and sustainable anvironment.

Kamamakt Rapat 238
PT Men Megan asrama (Perserei Teh

189

SBNI

Verification by Independent Parties

Su. Op

Independent Assurance Statement

The 2025 Sustainability Report of PT Bank Negara Indonesia (Persero) Tbk

punter (1090 FS8/M/2005/STAI

Jenurarce Type Type 1 and Trpe 2 101 the speciIk tapkt of Data Serastty and Orber Security,
unt Greee Pertfoko Management.

Jewurarcr Level Modarame

Keparting Sandartu —- GI Universal Wardard 22) Cormoitatet, GM Francial Services Sector
Sucpbernart, Sustainability Accesrg Mareart Maa (ASI) Fnarcsal
Sector Cooemercial Iksbing, Suttainabilty Nanang hiesumant ISUSMAI
Esrly atogtian &f Internetional Financial Meparting Stardurde PPNS) Si-
Goraral Bewaramesti tar Disclssara al Francal Intarmatian Melatad 80
Suntsiratiding: and IFRS S2: OenateMolated Disdorures, and ASEAN
Corporate Gevernante Seorecard |MCCS) tepardrg Revdence Suvunabhty

Reporting Regalatian - Orcritas Juna Kesangan Regilaticr (POUKI Murdes SI/POIKOD/2017 and
SEOIK No. LG/SEOMLOA/2071

Deer stakeholeern,

PT Sejatnera Rambah Asia or "SAN" W Srsing an Independent Assiance Statement (“Yee
Statement”) ol the BN29 Sustaknabiity Report (Use Report” of PT Harih Negara Indonesia (Perserah
Toh (“The Comgan”) The Comoany iv & atate-ommesi bund Ested In ondonesa Stock Cechange ODX)
re fegori srmeati Ie COmrRArmeet ang start Of the Gampang manageng “1 sustarabihty
pedinemangt tor the sepereng penad cf lanuang 15 te December AN", DOS, At agroet wittr
Marepemeri, SEAT reraonibiikta Ih to make an mansirpant dasec On tte data and santer cf the
opor dor ta yaa,

Intended User and Purpose

The purpose af Be Satermest is 10 Dreaeit sur Spion Induding the Kndinga and recomemendatians
based oe the fesuks af amurance wurk.35 the Company/ystahehol dara. Te assurer team inacenidares
Wahh ppesiTic peocedures aral 2 sgetihe depe af War Larvisd Out ON dsirasmert. acepi for One areas
covered In the m0ps al te assurance, me ercoutage Si NOT to soksy Interzret the Stinerreat as Uta
Desi: 10 concude ihe Company 3 oversi sestahabity performance.

Kegonsitslibas
Our obipatem to Be Maragrmert irwaive amessirg Lxe Nepart'a content, gereratirg Sndingr. mn
"marertandatinna, and anuing a Latemeet Adiktisnaly, me are taand mie setatiihong rere kaisra
(rai recommerdatiani secordng to agroed upon itantarda methedi, and tpprwathes. Carneramtly,
SRAF envuation A talely banet ar the mon recent editotia and duta reseirad 2 uf Fetruary 3”.
MRB, regardiny the Tai dial. SRAYA pewponsibilty les solely in peoniding maarance mur, distt
rom an 2adt, In accordaree m2A Ue Ncs Dicisture Agreement, te Assurance Togagernesi
Iwrwneni, Restesestatian Letter, aed Subsetuert Crent Testing. Matagamert besi the sole
Pesona serem tremor eemdkapa- dngan “asmara
parties relying on tie Report and Statement must anne and Inanage isi: Owen Mk.

Independence, Impartisity, and Cormpetetcy
SAI contirrea NO retabewitps betmeeet tit aurat tram and the Chants that cet inflamce tar
Inopendoner ar meurtiakty ti coreluet the awevamert ang gaerate the Staternerti. The arsurur

SA! Wenarruderi Asanterer Katarend Umar JOM, paga 1 oi

loan Is mandates tu futem 4 partcular amurante protocei and pitfesakarur eiincal code of coedut
Iv ensure thesr ahbecovity ant (reptile We cariedi out 2 gre-engagrmera asumuwnent betane me
asturanas wcrk wat taken to verity Ihe risky Ot engagement ai wet an the Independence and
Kapertiaity ul the team. The aworor test memberi aw knowbedae Of CK) JEKE, AMIOSO
Aes0emAbi My staretareh ard princiak, and ahba mave meperteng In tntarnabilktk report awewmert
Iaung 9 waridun regorting regudatinn.

Type and Level of Assurante Service

1 Type aawanee on the Report content.

1 TypeL on Data Security and Cyber Seturiy, and Green Fottfalu Manegersent.

DA moderate levei cf asaraece Lo the poceduwe en Ine Resort cartert and csdeece, where Me
Maka of informeas and conchakans of the Negort beng emut & seduted Dut ot to very law, but.
“zero,

Sai “bupirusvensindanwnenderareal
Data and edornatian in the Regart lor the period af January 1" to Docernber It", 2015.
Ex Muterial toples presemed W Uks Reporti Duta Security and Cyber Security. Economic
Performance, Green Portisiie Management. and CImate Reslbence.
HL #vakaatian af pubikte dedused Indormatan, stem, and process af the Conparnw to ena
aherercr df the Neport conterit 39 the resarting pencicdes.
(YAI doe1 IN inehoeie Imtangisi data, mtormatsen, ang figure in tne Aegort conteni. Weimuumed
ut te Carngary. #ndependent perths, Or Otier parts aiaocsated with the Company have
veriliet and/or avkted fnarcisi taternerti, data, and iniberatian,
& Adterence to the folowng reporting genre standantu and regulatiane
al Negolatian ad Otaritas Isis Uevangan IOK) NaSU/POIKOVNAT ragarding Me
englamentatina af Sustaisabio Firanee tor Fisantial Gervwa testitutite, Lited, and Pubiic
Companies POLK SL arah relerener to OIK Circular Letter (SEON) 202) Mo. 36/ST OMG D4/701

B| Covedkdated set ol GPO Senlairabhty Reporting Sanganti DIT (GA Urivaras Standardal.

C) GM GA Tinarcisi Waciuuse (SI GAS) bawel ly Uhe Global Meperting Inialhe,

| SustanebIty Ascowotng Standard Goat — Coreverual Bantu.

€| Sustahabie Danung Anessinent ISUSSA) Worid Wise Fund toe Mature (WWE).

1 ASEAN Corgorate Governance Sorecard LAOGSI reganding Res hewce Sestamalikty

(0 Eary adeptisn of International Pnancal Reporting Standards (F3S) 51: General Bepdrenenes
tor Dhicinyare ot Finarscim' Imermatkan Melati ta Sustamakikty, and PNS S2: Ckmate-Ketareg
Oacumars

badusian

1 The ewrmaos el opron, beef, cipeetatine, atvertarmart, and alwi furwari kocbirg
#tatevera, indading futura punming of tve Copas as ietihed is Me Raport toneert.

1 Analgis or sinesamentagaiest regufaton2, poncigkes, standard: gukdelies. and Inehcaters other
(an those indicatsd in Loe Ralevnert.

1. Tonks, data, and rtormuten ovtside the reporting perut orin Bhepuhic doman not sonwoed
In the teoorting perod,

4 Trardal perlorwanca data and ieformatian an persertad mn the Company'a Nnancial statonerta
nd Jocumems, the Ihan Pose tressicned I the Peport.

Methodology and Source Disclosure

Dor an Asturor Team whese members ate capatile In bustanabikty sepoet development and
wanna

IPA melepondon Aanraran Datemere, vera ZANG pagu 2 cd

Pamamabdiy epar 200
PT Hera Magann atarema (Perwal Teh

—

Sewu. GE aan

1 dertarm the pre ergagemenit phase In araure Ile tetngencenor and emgsrtialny of tve hua
Teri

1 Mokda kick olf ruxtirng and initial aralyas ol the Mopert draft badal ce Be SKA Protoced an
Jenar hasyiia refors to be sLarudarda, pronoplea. ard irdicaters af AALOOGAS v1, MALOOCAPS.
(AOLH), an mardandalinpakatiors used in Be Resort,

AL Diana omine Le sesaitu of te anak with Ore Manegenesit and data cordr botara,

8 Verdy muidmer ari trate Sta rat inisematisn an covenat in he Argort

£Cundactnt the Os Site Ggagomert (OSE) thenugh diset irtaniemi with both betmiral mad
#ateral alahedudera

7. Te Company Incorporsted ot: retommerdabans inthe draft Report ad reirased the firat Report
taraere

Ao Wapura tim Stiterpent and teng Ml ta AMSOOD AccountAbiity far twniew b2 pt aperowal before.
tuteritfing & ta te Company,

1D Prepare a Managemen Leiies detaling al apecis seen tewvbod, and tnerved during the
Anturarce watk ta Me Management of #he Company for further mprovement uf sustabebilhy
petasan

Adherence to AA1OOOAP (2018) and GRI Universal Standaris

IWCSMIY — Te Cowpany has Hestematicaly bwoved Internal and sstemat stakeholasa In
Geermng materai top throagh Focia Groso Discewiomi (FGCa| and the Surbuton af
#uestarna pes Stakedohder cancerra Move been the focus Of the Corparny and huras Ber adideinedi
1 Pre repo! on the sogroach taken It decerurng material topic ve Company abo #vahutes the
#Tettiveness of stake hoidier engapernenk by seneng @ach Sawan to dertay Paks are ceparturdIhes
"matp

Materiatty - » Oetermang manerisity kersti, the Company awes the Dowktle Matenalty Approach
IDMA) taking Into secourt mipect matenakty and #nancial mabertaty, Tam Cnmpuany han conederad
Wnori-tesr, meditanterw, and leng-ltem persoectian in metmisitp Nomewer, in #sbanguart
inportag & In #njoctadi Erat the Ormpiany mbl ba able to dbrtermine materai topic at Sha Biru
Instgrt prasaratsar, rethar Utan MM kta lima Oi sejart preparat, to arcommedata sntateta in
'budgeting, sctien, arad reporting, an melian ta penari in sintal bae tngiti Of concern.

Kenyonsivanesa - The Company hai responded to tie teadi, Inaues, ceri, and ceperiatkora cf
stahehekirrs. This Is done Uwough Intarave crsrnaricatien conducted repulatk arce a yess. These
"eiporaes are dstened at board mesuinga, and Eve reli are Uhen commundaled In all uh Road:
Ine foliowrup ar setgurse. In developing reagotars ta inpartast todka, ihese have beri incurparatadi
Into the Company lama, ang performance ts montsced through Key Perfoemunua Indicator (KPI)
von txe relexare dirikan Ta suagort Us, tve Crnany hasa femtbaci.charneiIhat can be atcesmedi
Ay al mirna and ecer stakehoideri. The Company #30 piovSei Coat Sumber Ih Lan de
#ccese by drurestic and foselgn cuntomera.

kenpari - Ttve Ccrryrany tur. rneasunedi, muesurd, ane manage ts Impact apanagrtatmy Ih accordanee
tin matertilty, In euplaing each topic. the Coenpany han “danbo menty impas arung Irom the
pertocmarin ol an rraterial loper, an wd! a mapsang ane mwakaatirg the kewel of materai mi bae
“part (povitive and negativeh and Bhe dnvelaf #ancial eatariatty (risks and mpportustimil

Staternert Of Use: "In Astardane to the GR Standards” - We mentustai Te Report center
adberenee to the OI Usharal Stenibores ehncisles, disdosarm, and teguiternarts lor teparting The

JA drawer Aesarerer Staterurt verran XUX, papa 3 4

@: AAIDON us

Carngary tes referrect tm te "he reguiramerita apply tie tepnrting ermcinlrs, repori the Gindonures.
(PGRI 2 General Disctowaras JA, determine matra tapici, Pegrert Ht discus in GAN I- Wttenal
Yaoica MPA, report diclorerat tram tte GM Taput Standasdi bar pach rpatanal tnpec, provide rranns.
er Oto for doboaurw ard meparermera that the srgariratisn cannot carmgiy Wit. pula a GRI
tontent mesa, cronan a Maternarg ot us, and metity GA

On Site Lngagertant: On Sia Engagement (OLI) curalkutes ane af aw rasmdusta gertarmad La
asset the Carnoany/s adhereree 10 the AMLDOO Principles Jasuihety. Materstity, Iriparahraresa,
und Impacil, lased os a sample al material tugita and sigriTikant sakehordera. Based on the OSE
performed, we sanedudie Ehat the Company Ps itrpiterrecsad the process in a gereraliy suflisiern mad
A0roprlata manten, crweting the ansecta af Incdaiity, Meterisity, Ressonaweneu, and kwoact an
MemEed, mappet and apsist! in ds engagement wih stakehekses.

“GRI Standard» Principles — As the saurance wurk was taken, the report cone sudcisstly Indicates
(3 aberescs 10 LYe Reporting preciakes Jacturaty. balance. serity, cmmpatubikty, compieteresa,
vustanabiity costeet, Umeinesa, ang cerfatiltvi. Te Management provided aufciset support
Sung the MM RALAWON Hy Lbmittirg EM tenenktoturventb an recaritad.

1voe 2 Asturance — SAN veiites the topi of Data Security and Ceber Security, the Cirepang han
molemeeted morhorng Ling mestng procedure #rinforced ya Oyhenecurty #nseligenan
Katie that belpa protect he Camaanya atarmatian spitemi Tha Cormpary reparta sach modert
In the besar of diructari ar 8 regular bsnis. bx Irkentifying infarrmatian wpitmm wumarasillkn Nb
Carrgary han erestad arik ragater tur cach senada cudaboratian with contutants We asu in
revannng Iha riuh register Tha Comparny in erpectad 10 collaborate with eatorna! partisi Ca enanute.
Ibe reienes 2 Me Company nlorwetian #pitani Tegariing Green Portisio Managarment, ita
LCarngany has satabiihed and knjdenertot a grvan portluis matagameni Iramewori itesugh
teri natod rules atrasa (SG, Hak, and budnsas unit Tie frammaort & sepperted dy documeraed
JOPa, ak arreptaner 0 tera, strectured Gebtu casesameri, sad seputar morilarng mexhansaa Ovi
#nanhalloh (ESL IndicRss that these process are operating eflestiwely tu sugpart Ciedit Just,
136 templancs, and angcing aversight Ol grsem portioke detito's kb sccordanee witti Ike Banks
patas and saclcabie ragulaton

kecemmendatian

1.10 Oetermite materi tepi can be done at Se budpet Slasrang viage fo envane more #ffaciNe
seectan in the buget, acthti pilar. and seportng.

DL To combat ide Dnusie Matertakty Apprach COMAAI bit practicn ing aratweing al Inna raned
(ret only materai tepical. Tha ame 89 protissw dear mapaing retuks ara gili the
“igruicaren ol Ym matarisi axum raket.

Tbe misnsanen pemiber,

JAMI erpangent Aanrorea Ttaterume: verncan ALL payu Add

Pamamabdiy epar 200
PT Hera Magann atarema (Perwal Teh

SBNI

Responsibility Statement of the Board of
Commissioners on the 2025 Sustainability Report of
PT Bank Negara Indonesia (Persero) Tbk ...

We ho undorsignod, the Board of Commissionacs at PT Bank Negara Indonesia (Porsaro| Tbk bereby
Ouclia Ihat we have tewewed and approwed Ie 2025 Sustainability Report ot PT Beng Negara Indonesis
(Perseroh Tit and that all information in the 2025 Sustainetility Report of PT Bark Negara Indonesia

(Parvaro) Tbk Ie prosontad in ite ntiraty, and that wa taka full responsibility tor tho aceuracy of tha contant
Ot una Sustainability Raport,

Tire etatemnant ie hareby made in all trutntulnnse.

Jakarta, February 2026

lndapandent Camiasianer Independent Cemmisriooes

SwutunahBny Neperi 2G
kkat —“T Rara feryaratrekermsi (Peran Tak

Responsibility Statement of the Board of Directors
on the 2025 Sustainability Report of PT Bank Negara
Indonesia (Persero) Tbk ...

We tie undermgned, acting as Iha Board af Owectore and Membara of the ESG Sub-Committee of PT
Beri Negara Indonesia (Perweroh Tbe, hereby declane mint we hawa neviwwed andi anprenesdd hu 2025
Sustainsbiity Raport of PT Bari Negara Indonesia (Persero) Tbk, We comitm that ali indormatian in che
YUPS Sustainability Report ot PT Batk Negara Indonesia (Persero) Tk In prasentad in itx ontirety ad tah
INI respansibility tot the aceursey Of the content af is Sustainability Report.

Ttvs statement is haraty mada in ali sruthtuinesa.

Jakarta, February 2026
Upand al Dirertars
(
F aa
Ma an
#esasin Pratu Kartasdinernena DowidPiirade
Fnesca and Strategy Direcsor Niat Managemara Dicectar

Pemamakal Rapar
AN ATTRN 195

Reference of POJK No. 51, Indexes of GRI Standards,
SASB, SUSBA, ACGS

POJK No. 51
ja map BE M3
Swstainability Gtsslegy
As Haberettun an Susu watilky Stratngy yag
Summary of Sustairabinty Asgort Pertremance
Lt Econsrpic Arpests 19
82 Invitonrvartal Aspscts “
8 Sooe kegata “
Company Protta
Es Waian, Mission, aed Vatuma cl Sutairatily Bi
c3 Tampang Addrerg En
ca #rreepine Sewa bud
ca #rodurtu Kervirea, ar Bhatinsen Activttas Ld
cs Muriretitiip » Asasriator »
ca Sigofcara Changes is Issusra and Pubic Cungsies »
Tie Board af Director Eeplanatian
oi The Iaarg ci Drectare' Statement -
Bentanability Oorenania
u Pervorebis for Impmmarkay Tustarabe Faance nu
t3 Comyeteney Devetopenera Nerated 3 ummnebie Finance 100-109, 27100
« Wek Aspetarnurt ol the Impiomastatian of Surtmnesie Finanze -
te Stakebokdar Zayagemarg se-sia
Es Problem with the Implementatian ul Semainatile Fienas P3
SustatnabWtny Partormange
" Suttaatia Culture Dewwapment Actintine "
1 Tamparan of tergets 10 performanwa of pradustlon, portiota. financing 33
tangata. or Invesamenta. revetur 20 well an Beat ar kong
ra Comperaer ut target 2 perlbemance ct porrisiin Eascng target. en
2 investasat in dnanzisl inetraments 01 erojests in Ae wi ie
(wwemertstian al Bustisatia Finance
General hepset
ra Eiwitonwartal Coeta That hswur “
Material Aspeet
" Use af Evironmertaliy Fnensity Materials -

Serah By Meperi 2G
BELA UT Bor fengardInekermni Permen) Tah

Tneruy Aspoet

Aram and Imansitr of Energy Usang

Eiotte mod Achisvarvartr uf Energy E#fisamey and Use of Rarwmais Enorgy

Water Aapset
ra Warm saya “
ra (epsstt Htm Operational Araan that are Naat 20 Locatedi in Canerrvatise 1g
Arrar or Have Diodversity
"an Bed veriity Conesevation EMoeta. gran
#mission Aaport
Fm Tata' and Intensity ul Eniswana Genetated &y Type ia
K7 Eilforta and Achieverparta af Eriasisa Redustion Made 3
Waste art Elfluerit Asgorts
FI) Amownt oi Werteand Eftuamt Ommaratsa ty Type wae
ra Wassa an Eiliaart Management Mecdarism ma
ras Oecurring Sesita Dl mai Nat sesarcant 0
bening sectms.
Complsint Angerta Natated to tam Emsiranmamt
Tia (ember arc Material ul Ervironmartal Cewpiainte Noscived mad Aesalred Not sesaat ts
banking sector.
Seciat Pertormanee
” Comeitment ts Provate Serwone pn Eau Prodocta andiar Servis 28 "5
Conewmera
Cmyto ynest Aapect
". Unaal Emplby mart Oppertusety VAN, 19 1bd
Fa Civid Labor and Farsed Labor 112
T28— Angionat Minim Wage rang
ra Deceat and Sale Mor Environment yag1z2
Lela #molayee Capabilitr Trairing ang Omeelopmant 100-110
Cammurity Aspast
rah Iepeei of Dperatang an Sarraunding Cummurities “1135, 09
KBK Comunity Complalita -
FAK Corporate Social Mempansitilin (COM ta
Rerponebility far Bustainable Product/Sarsite Dareispmant
26 etavetan and Develugenart of Sustainabks Fisancisi Producta Services taB1GI
ra Moducts Bervivas That Have Been Evatuaned for Salety tee Customers. 2
yaa Prortsct/Serviea Impact 41. KIA
F28 Mamberot Product Recale ia
Kanamakaty Rapat 30

PT Hera Magann atarema (Perwal Teh

197

SBN!

"1 Custower Setistmtan Survey an Sustsinatte Financial Products angur ni
Geram
tiara
G1 Wiittan Yerikeatise Iram Indapandara Puty OT ary 54 10153
G3 Fardback Sieat Dul
G3 Nrepaners in fengbart an sha Presinst Year e Sustanatikty Report «

(7 int ol Oinsloruren Acsoeding to OX Rgslaton Numbet #tPOJKOV201)
tuncersang he rglementatiar ol Gurtaiatle Finaren fee Firarsal Servxea
ketitatnn, Issuers.mul Mubir Compamiee

GRI Standard

Satmert elu (FT Bank Negara Indonesia (Persere) Tbk has reperted in arcordasee with Ihs GRE
Stanitards for the seting 1 January - 11 Derember 224

GW tised GA 1 Foundation 3021

Angle amin GRI Sector

Standards

ORI 2 Ganeesl 31 Organieatian detaila Ea
Diclsuns et “TI Enihes wdodedinthe Dj
srgarisatn wa sustainability
resor
Id Meporting period, freaueney Lj
and cortari peari
14 Mestmemeete utinturmatan 28 51
26 External araurmeea 1.19
1
6 Artvdtes, vabue chain ang 19
siber buninase relatisnehian
3) Empioyare na
TG Wokari mba ne nat Pn)
awyluyase
TA Govemance structure mat nu
ceepenan

218 Namisstan and selostianat — 3
(te hignesi gowenante body

Dit Okais ofiha higwet “
gavewance bosy

TI Meera higher Ta
govemance boga
“veryrenig the management
Of impas

Switanahin Mepari 2G
RELA UT aer fegarsiraerma ira

TAI Delegalisa ol rapuredMIy)o 3334
ot maraging impacta
TG Nee al ta higasat "3
Wevetanca body
#urtinability reporting
TG Cerita slimerast 1.
IN Commuritatan dea
smeara 1
“
IT Teesteehnowiaiigaotee — Y0t 0),
(vghest governanon bad ILslul
HA Tolustlocolihe perkeemanas— 43
## Ine Inghest peversanca
body
219 emuneratan poly 3
20 Pocmeeto determina 1
tewunaratisa "
TAI Arms vial compengatkan Conddantisity The company cannot
ratio sesatnrinte —dsctose Ine itata since
'uia confidentaal
Hd Statemeet on suntanabie IL
devritprent abategy
38 Poltey comnitmonts Ie
ta
Dae Embediing policy 1-0
cenuriimenta.
TIK Processes In temediata Tea
ban
Lift Mesaritma bar serking Er
adera and rating COCRINA
DIT Cutngliana with lowa and na
reywebang -
210 Meraberahip arsocietinne Tu
210 Approosh in stahmhsilsar saa-1a
segngenart
230 — Cabective targainng. "
2greunarti
Material Tapir
G0 & Mmerial IA Procen ie determine material 2158
Tapa tapa
Ih Untof material topica 3138
D3 Managawari ol materai SKL
tapa mn
129
Matarisl Togic: Eeenarwe Pertarmanca and Grsan Poctleiio Management
GRI 3 Miterisi 1d Menngemang Ol materai ta
Tupiss tapa

Bamamakidiy Rapat 0

Then Megan Lema (Peraei Tub

Ga 20 AA Direct ee0nonse valus
Ecanemie #woeratad and ditritd
Perfurmanca 2012 Financial Impicoters and taan
z0 ide itk and apperturitiee
kato Samato change
Ina Ontmed benett pian 1
seb gab one and other
(wikaneat pisa
BIV4 — Tinantial aseistaneaseseirag— 10
ram government
Material Taput: Glimata Besihance
ORI & Mesariat D3 Management af matarisl 2
Tegas rupa
GRIICI Energy 301 Ererypzoraumpsanwahin ”—W
2 the arganiersan
MI Ineryptorsumpton sutsideo)o M1
#the cryaniratar
YOLI — Brertyy Interaity
BSA Neduzkon al esargy Dj
sasanwtan
Gr 301. BIKA — Direst(Sanpa 1) CNG ”
Eriasian 216 #mitnsas
2E2 —Indirert (Scope 2 GNG C3
emansan
1053 Otar indirect Sonpa NGHG NAK
#enisajena ke
1054 CNG meirsinna Irdenutty. ”
104 Kedurtion af GNG smisssang 3102
op boissiweolarmedepleting 3
sutatances IODS)
M61 Waropen oakdes MOxL sulfur 38
cxisan SDvL and other
significant air mnssara
Metesial Topic: Onta Security and Cyoervetutitp
GA 3: Matariat Id Management of material 2
Tepis toga
Gn dan. ABI Butatantlatod tomelants ad
Cuwamer conoeming biraches ot
Prieney 3010 suntnmar priceny and loeeen

Swiresad B1 eps 3G

PT Movi Penyara Ireke rani Ifa

Tapir Standart Outeate Material Tapice

Market Prevante

GNI202: Market) M2U Natiunetekmedardwatoylavel 194
#vesner 2016 wago by yen or Compaad 10
bea! mirimem wage
MP3 Prupottis af amin 1.
tanagement red Mom the
Iocal commaritr.
Indireet Esosamut imparta
Gr3 201 DIBAInderetrutturs irwestmarta 17977,
Indieser sad services supsorind tag
#-onarair aa,
JONI Sihprificant indirect mosnoree ,
Ampasta 2818 1 1se
Procurement Prastices
TATO Pedan” MAT oKoperepengalusanumuk ”— GP
Pengadaan 2016 pamasak bakal
Antssssuptian
GRI 205: Aee- Operations tasesyed tor “g
cerapuan 2014 eka rirtnd tp carustian
MBI — Communisatlenand teaiing— 48
#bvun a88 sertupika
poticies and pracodures
20K Contreadincdwnte ot ..
torruptian and aslicnn taken
Tea
617207: Taw MIA Approrch to tan 2
200
213 Tangewamancacoreratamd 10
Tisk managumeat
2073 Statehotder anjagamera "
vad manageram ot
corceraa rmlated to an
Water and Efftuant
CIVIC: Water MELL Interaetiana with water ma “
and Elfuartr #harad reamurza
oi BKI Wanngementof water ”
@decbarge- wanted Impact
MI) Watntmittarawal -
3014 Water Satharye had
3014 Watmi corsumptan “

Pama mobi Bapa DR

Then Megan Lema (Peraei Tub

MAN Operativoal sites vmned. KI
irannd, masapad in Ot
“poem to, protertad
awas and seram al Muh
Iwodiversity van outside
orotmcted arema

242 Signficmse kepacaat 7
@otivilles, peoducda bad
serekoes on tondieerstty

MAA Hebitate protected or -
rentarad

44 JUTN ed Liat species ang WMA
nebarai seneervatise far
"perar wik habitata in
arvan alfactos br epoetung

Wasta
GR ME Wasta— 3G Waste peneratiosand anyar
mag WOrVicani rae telatad

mpacta

NG Manigonertulsigniieara IT
waste selnted mpacta

MO Warte generatis a
2064 Warta divortard dm —a,
diawasi ng
MG5 Waste deectad to daposal fl
Suopber Lowerenartal Assesumeat
GR IA New supallera Urat “
Sopober wara soreang wira
Twrmeris #uvsmertal teiaria
aa 3002 Neguber #wionmernal
impact in the sepoky shah
and penone tahan
Employmamt
Gaia A01 New emplsyen hirse art
mpinyram #meloyea purnoser
- AOLL Benefits srovidedto ul Kau

time empioyase that ara aci
provides io temparary ar
Bsetirme smpinyaes

OLI Perentatnawe bi
..

Swiresad B1 eps 3G
PT Movi Pengara Ireke rani (Paruane) Tah

Oosvpativral Mesh & Safety

GAitak AOIN — Oscupatiwnal hesitn and "20121
Oerupen erat tatety management rpatam
Mamin kSalety C9 Harerd identfivaten, rah »
ng #tazaamernd aed Ancidarg
Inestigaton
293 Orcupational hesikt servis AON
(034 Worker partripstian, depan
vemukalitn and
comrmanikatian up
perupasinral heat and
tetety
(034 Wortertraningan —
Orrupatang heara and
satety
M4 Pramesonan wamker hash — YON)
207 Preweetianand mitipatise "20X
nf socapetaral Naah und
safety mparto directiy initad
Ly business ralativratipe
BIA Wotkurs coveeed byan Lol
oteapetone' heat and
selety meragamant eratam
808 Work eelatedirutles -
40510 Worboretated IN henti ki
Training and Education
(213 A04. Arerage kours ot eraining pa TURN
Traising sad yan pe amplayer
Uknetan 210. OAa- Ptopamu er vpgtadiny yo",
eeviopee skilh and La
transitian aexintarson
progres
Ma) Percentaga uf emprayass m
reomving regular
performanen 20d zaremt.
uroelasmest trame
Diwwsity and Egsal Opportunity
Gal ut ADS Diversty ol gevernanee 2,
Diversity bosbes ari #yiayees in
and asa mm
Orpurtanity isa
2

Pama mobi Bapa DR

Then Megan Lema (Peraei Tub

Frendom ut Asrociatisn and Gallsctire Bargainag:

Gi a07. A71 Operetamandsupgilarsin NI
Preedoesot “tis is #ight ta Ireodam
Associatian ut amsociatisn anil cslinetive
and Catestire banyaining sea beat tlah
Bargaining 214
Chiki Latar
Gnage Chia M0 Opetabensand supglireat 142
Labor 201 Sigpifcar sisi Sar inckseraa
ol em labc
Forerd »e Campalaary Lebar
Gntagk Foreet oo M01  Operatisnsandvupplinreat 1
0 Campulinry Migpihean riak far inckdenta
Labor 201 ol foread ot corwulaoty labor
Nigpan ol Indrganoua Penyken
Ghe Ti Migota ATI Incidenta al vislaiane yag
@ Indigancus irwetveng eighun ad
Pacotes 7016 ediproous poopies
Local Cemmusittas
GNLANK Local ALL Opetatone with kesal MA,
Commusitiae cameunty engagement, tag
ana irpast aramaamanta, and
development grograrna
AM Operatknewen ugsilkant 173188,
aetual sad pateatisi jas
negative impata on local
tonrsuntes
Swepiler Sociel Assasument
Gaia A1 New tuppliere that mere ke
Seppier Lecai tereened uwag socai enteng
Besa AM Negabya social impntein tap
aa be suspip ahain end astiosa
tenan
Putite Polley
Untan Pubhe dkt Pelita centebutseas int
Faiey 2019

Swiresad B1 eps 3G
PT Movi Pengara Ireke rani (Paruane) Tah

G4 Financial Sector 2013

FS Foke mili speciFs #eviranimestal and social coneporets apgiied na
buvinas tnes

S2 Procasures for senassing and tereesing cewe oremeatar end social riska na
In busivesa Ines

PSI Piocasses for monitoring cheres Irnetersensatisn df and cempkanoe mat
Wih ereironimantat ang social reguremenik nduded in apvaman Or
teananstiana

FBA— Pioesesies) lur #mproving stal compataney to Imparseri ha tang
#merurenestal and saOa porisies and procmdures as agpiad tu hias
van

733 Interactiana with dienta/nvetises business parinera seyarding (na
#w#tormestal mud sadar (laka and oppertursties

#a0 Percentapa af the parttoka tar business Ines by apesike regian. Sian “
(ng, misnstemarlargal aral by sector

"7 Munstary valoe of produrta and servites deal yned w Geliver a apeofic “ag
sacial benefi lor oach business Bae binken dun y purpone

... (Momatary vaksa ot products and services deugnad to Gebyar n apes “au
#naturenenta! benak lur sah trsamman line broken dewe bp purpuse

s9 Cevaraga and Iragsaney ef sudita ta sen0t1 Imulomeniaton al syaa
#ontoremental mid 620 povlcies and rise assrseman procedure

PSM Perrentapa and number af cempanins Itik in the Imetitutian'e porttola Lea
with mbich (ex reporting oryanisatisn tax intetastad an srvirsmmestal
01 rocial invung

"un Percertapa af panen sutyect 30 panitive and napativa AewUOTMeAra Or na
setia seroening

PSU Voting pobeylica) 2ppiod tu arvirusmuntal ur sosial lema far aharen Net mepitalra te SOK3
Over wbich Pa reportny Orjanizatios betda Se right to ate shares ce
“eelea an vating

PSI) Aocees pujata in lww-populated or seunemicsliy demdvartagad areas by 1821
tep

PSM Intinlises ta Imptove so2e5s to Enancdal services for dradumtapad ter
people

FSIE— Policien for Ihe kait dasigr and sale of Tnencial products aed services #5n 154

PEN Initistiees to ereance Tandial itetaay by trpe ol benetteiany jarang

Kanamakaty Rapat 30

PT Hera Magann atarema (Perwal Teh

Sustainability Accounting Standard Board (SASB|

Astivity Metrica
PIC (1! Number and (2) wafue of cheeing wali savings ae2cutis By segmen 2
(m persona: and dai ama business
lusa Ni (11 Wurribar and 13) wmtue of ioare by ugmant: al personal and (bl meat “
burinees
Data Security
IN-CE-IMa1 (1 Number af dara bresches. (TI percentage iwalvng persanait: “
identihabse ntormation (PR), GI murmer af sernumi haisars atieetad
PN.CB 2421 Deweiptun af spprose ta alantifying and akdrersing data security 129130
yana
#inangial Inclusion It Capasity Belidag
PN-CaMta1 (1 Mambar ana (Zt #reaunt ot isans culetanding #uslifad io pengrama Ge
dnagned te ptormeta small busiasa and community development
IWCe2s0a1 UNI Musmter andi C2) amoumi 4 pesi Sam ane munazeraai lane gusified Best
t programe desigond 19 pramatn email husisase and cammuNg
dwoelagmara
IN ca3e0na Murribar of me-cost retail ahacking aconunas pewvidad to prevanusiy 10270
umbanted or wsdartantad curlornars
Iwcnane Numibar at pertiripantr M Anancisl Wiersop mutistrven tar sabaniad, 16210
underbankad, 01 underservud zustrmare.
Insorporntion ef Ervironrmantal, Social. sad Governance Faetora in Credit Analysis
W-ca-etona Desartotan af appeoxch 10 Incmiparaskan of erviruremantal sadar and IN PAI
Omernanee (PSG) tecisra in aredit analvia
Financed Emissone
Pecarani Wbsclute ptuss Enancad emissioee. disapgregnted by IN Senoe 1.2) 46. 8748.
Scope 2 md (1 Senge) ”
Pe C3-0n2 Grsen mepseure tor aarh metastry by menet clan araa
PW cmaton3 Periwtaga af grv1s sxporure induded in the inanced miasisna —a
cakulatisn
IWca-etoha Deecriptan af the memadany smad 0 caKutstn hnanced emasang .
Wuriera Ethara
PNCBitai Desaiwtan al whetatkswer pokcies and proondaerea “
Risk Management Srstewe
In-Ca-tba Giosat Syesenicalh Importart Bank (G- Siti score. by category Nat
mpisabie
FWCBS5ta2 Demelyton af apiwaci 20 Incarcuratisa ef vesamental sesal, 5107
and povernance (ESGI fasture in credit ananiyais Inna kapita degung "

pianreng, Ioag-tarm cerparate etrabepy. and other hueruer artitmt

Serah By Meperi 2G
0 PT Meri Pengara Irekerani (Fara Tah

206

Asean Corporate Governance Scorecard |ACGS|

Luwak
B Keberlanjutan dan Ketanyyuhan

Bustainabilty eelated distlorare ahsuld be cansistani. somparabie and relabis.
md betude rerwapectiwe and terward-aoking material Informatika that a
mencenabis Inventar wosid consider important im making an Invertmeat or

voting dotisiw
Materai SumanedIrp related infarmatian should be apecifieg
MUI Does Ie cerpangy sdenititviveportESG topica that ate materai to1tha Urganirabari wa
ratagy?
BII Does te company denilfy dilain change as an Issue INAP
MIA Deer the company adapi an Intemationaliy secogneed rmparting Memewmerk or »
standwii for wortrinabidty O.e GAL Imeurnird Meporwng, SASI (PKS Suctainatsity
Drinnura Sitandardai?

IV e comgany putileiy sets a sustatsebi tp pelatnd yoal ur tarat, Che dis css iramnesek shouid pruvide mat
"eHable matre are regulary dinclosad In an caniy azcessitin fo

M4 Daot Etw company dierioee Geanitatia Kuntatabilay targni? MIL ET, M-61.
DA,

BLH Des ihe cunpany daslesa sustainahiMiy elated perlarmance proyrssa im relatun
10 te prweloaly vi targetat

BIA Door the company cardem that its Surtainablity Msport / Negorsing in reriemad
matur apprrved by ta Bow ur Board Corenittss

B2 Corporate governance tramewarks shomil ailow for dialopes beterrana company,
'te #harahoidery and stahabaiders te eszhange viwa en estamability mattaru
H2 Der the toremey pignge intemal ctakabolsera to sechanga warm and Baihar H1, SEA
(oedbaek 20 sustainedilty mattere Ikat ase material ta Em butinsse ol ihe
@ompary!
M2 Dvor the company anpage etamual stakehoidarn to erhange wwe and gathar—— M1 ME-IA
Inedbark in suttamebiltp mattuee ikat are mataria tu Sm butinsse oi the
sotparyt
MI The corporate governaner ramewark ahowd ensara Ukat boards adnguately
coneider material #watainabikty risk and apportanitise whan fatfiling tietr hny
Tunttions in tevlewing, mesitaring and gulding geversanze pravtisea, direlarure,
strntegy, riak masagament and laternal santral systems. Inceding with respect
(te "iimate- related phvureal mad transition ronda
Boarde shauiki snare mhathar the careany'4 Kacital rartore ve cnmpatibin mt iba atap pom ad ita
attariatad Fiat eppe'ita to ensure ita resist Is different 2ewsetisa

LI Dont tie company disckane that the bond review On an manual ima Shot im nn
rompary' capital and dmbt #trsetute in cermatihia wtihise riratmpic pome and in
menciatnd riak appelite?

Kamamakt Rapat 238
PT Men Megan asrama (Perserei Teh

SBNI

”a Te torparate pavemanee ramewert sh Old recagrese the rights Of stakehotders
#rtabilehed by law ae hraugh metual agreemarte and encouraga ace ce.
#peration betwran cerperatiana and stakeholders is ereating wesiih. jobu and
(De runtainabiBty o1 nanssaliy sound setarpriaea

Ooee Ita company Berasa a pairy and prneaong Phat adtrau

HAI The mistenan and sonpe of the someaeye eftorts in asidrana cunim—mr welara 12346
BAL Bupgilerttorniastes selectian ptoceduras 180
BAL The company'9 atforta to asure Ihat Its wates chain Is envirunsentaliy #lendy Or 159
| cansisteat atth promseng weranatin development)

DAA The sempany' aifaria te intarast mh Ihe aommssilis 2 mbich they Sporta Neha tab
DAD The cempary& arti Loeruptkan #engramenea and ptoceduren 09
BAL How eraditarn Mubin ara sataguardnd? anta
BAJ Down thn company have-a separate report/bactinn that dincutan ita Aina an var

#evirenmentirsanarny and sosial issusa?
23 Where stake holder Intarests are protected By law. stakshsldees ahculd have the
@ppartunity ta stan effective redress for wolatian af thhete righitm.

Hh1 Down Ihe company ptmride contest date via Ihe company « webuita ar Anrwai Kan
Nepari whiah atakeholdore 10. curtumari susplata general pudilic et.) Can use
In yoice Usir canteerw anator oom plainas for possabie Wolabon of Hit Ola

LI Mechamuma tor ampio yee participatisn sbauld be permirted to Geretop

Df1 Deer the company aepisiy discinse ihe puliciae and praclizms an baalih, maloty 19.3
end wailara dar ita omployesaT

BAL Does the sampang exalioy disskse le pulkses md practiums or irit ar 30-10
Wevalopment pengramrnar toe ita empioyerat

BAI Dewe the compang have n temandirampeneatiae pokep bat arenwrts tor te tatna

pertormana ul the company beroed ahari-term finansial mestures?

LI Btakehakiers Incieting mdisidual empinyee and their represantatine badies.
"hovid be wbis ta resiy commanizate thair sencama sbsut ilegal er unathirai
prasticas te the board and thsir rigirta should nat be coonpromisnd fee doing this

at Does Ihe company have 8 whistls tilowong paiky which Inchutes procedures for “
comebaints by empiuyane mad nther stakaneliees conceraing abepad Hegai ang
unattisal batmvicar ar provide contaet dntsite via ba Snmpanga website ur
saewal rapat

BIL Doen the company hara policy or #roedises 10 prutest an empiyekiperad —
aho revaate alagad Ihagaanestiras behavowt tam retmiagan?

Sestatah By Nepari 2G
208 PT Rawi Pengare Ireke reni UPervana Tah

BBI Doettocempanydikaahan 8 manage eimata relatnd riska and apps tanilies? 2268

BAL Does the company dindione hat ita Gustanabikty Raperi Sustanablity Reperting Yes, SI 109-193
(retak evan?

BII Dave the tenpany diacsan Lie enyagemert channel with elabebolder groups and seksi
hem Ihe company reapunda Ie stahedukisi” EGG sencena?

MBL4 — Deesthe company have sunit! Sivisan/ somunitisa who Is specihesily sesporsle 1
19 managn ive sustenabiity matre?

(BAG Door the trmpeny ditdoen board ul drectarasommiadianera' mversight ad mu
sustainability »maimd raba and oppartundira?
Lues the company diciose the hokage betesen execulie #rectors and terdur — Conitesseily
menagemeat remuneratisa and Cuttamatilty pertermarce or ttm prmvinws year) cametraints
1 the conganye Whlstis Blumiag Green munagad by Indopendwrh petis | Yen ad

Iratutinea?

Pemamab Rapat 2206 AA
"Tawa Megan waarewa Perserei Tak MO

SBNI

Feedback Sheet

PT Bank Negara Indonesia (Persero) Tbk publiwses his Sostainatility Report to provide stabahoktera with
an overview of its sustaimability performance and the imgoernentation uf sustainable finance. We welcume
any twadbaot, commmenga, and suggertiong from teadars aftar rewimuing this Sustanabilty Report.

Name Of you may)

Institution Company
Email

Oak ig Oa (D cuntomer Omaver 0 Sopir
Oa Orada (Omar Unlam C3 Genarat Pee 0 Ot...

Plonse saloct the following amawar that basi fits the yusstsone balow.

1. Th reportis iasy to understand and castul tur you. IN) tA

1. Ta report inlarma Yon On tia prncties and Initintives af metainabia finance (| ta
tmotepertatisa at NN

1, Intormation seintad in mewirsementak secial and givemancn (SOP aapesta in gute | | imi
suMelent.

One segyrationg (0 Inprova the irdormatian presented in Uhis report.

Tharik yos for your tendnnct,

We anang uur aperecaLen for you feedback, commmenta and sugpes Bong 30 support Eh empruwene
and advencerneng of this report In the coming years. The compisted feedback form and ary other
mmattars related to the Sustainability Report may be subimitted to.

Divisi Ervirummontal Sovial & Governance

PT Bank Negara Indonesia (Porseroi Tbk

Gaia BNL U26

NI Jereteral Sudirman Kav! Jakarta 10220 Indonesia
Phone 1 /GA71) 672 Bbdd

Email 1g Won co.id

Setanahin Repari 2G
P1 nan

'c Indonesia AcBNI

GREEN BOND REPORT
JUNE 2025

Ke BNI

Table of Contents

(3 O Introduction

Summary of BNI Green Bond Framework &
c Issuance

- @ Allocation of Proceeds

e (9 "ea nenorine

at SSBNI
O1 | Introduction

As o00 of tie Rama who plays stratogic role: in promating sestainabis finance m Indonesia, PT Bank
Negara tndonesia (Perseru) Tb (BN cantinunusly strengthers its commitment io become a catalyat
In the transformatian tewaris green econoeny. BANI raalltes tnat Use ahiit termards kn-carton
#c0nceny 44 pot Only a part Of erwironmantal and sociaf responeiblity, but also 2 lone-term butine1
#irategy to mprave the cormpany's tesilience and competitwenesa Tiworgh this approath, BNI
twotstirws ali Iwt ed orgmrezatkan to take an artwe role an cuating Onanciak practioes Oat are
tespontibio and ataptiva to the chatengos Of dimata changu.

The tranatarmation toward green ecoogrny Is reftacted in ANIS commitment ta chanmst financing
To green projecas that tuppert tranuitian Of energy, ufidaney of resources, and preservatan Of ta
environment. in Ine with the roen firanong affarts, BNI also ensure the availsislity of funding
Pespureri that are in Ine mith sastainabilitr princinles. As part of this commitment, DNI bawed the
Iiat rupiah dencmunatsd Green Boril an Jane 2027 in ie amnunt of IORS tile. The green ben
Intuance ir 2 concrvte step to mupport the devolopment of green projectz that conmtrihute to thn
development of low carbon economy in Indonesiw.

Proreedis tram green bond are allotated to finance wariaun Inltiatnwes that ara M9 Ina with
mmeronimental princimes and that tapport the agenda Of tramition towards groan aconamy,
Throagh comsatent commitment, NI confirma Ita role, not Only as 3 finantial service provider, but
Wo R4 27 agent Of Lhanga that actvoly contributes ta the creatkat df netomal green finascs

Pamamabdiy epar 200
1 Here Magann atarema (Perwal TER

Tua airatie y Corporate s sedushun
Siranen Bentarabitty wd Ranjtenne

NBNI
02 | Green Bond Framework & Issuance

A. Green Bond Framework

Poor to the Green Bond Issue im June 2027, SNI has devrloced 2 Green Sand Framework and:
#ngaged Sustalnwytca to Isu a Second-Party Opinian (SPO). BNI hu aligned the Green Bond
Framawork with the Provisiang of the finanoai Services Authority Ragstaton (Puraturan OIN,
"PON" ) No. EO/POIK D4/2017 conterning ksuance and egaremanti of Green Debt Securities,
Green Bond Prnciates DIT (GPS) issued try he International Capital Marvet Asociaton (ICMA|
and tie ASEAN Green Bond Standards 2014 The tumenary af BNI Green Bond Kamawork bi
proantad below:

p Usa af Proceeds 3
#roraoa kom Tw irama band Wan De Haa 1 Amenakie Dretgr
1pecfemly ta finanen Or re-Ihaner acceta that 1. toergr Liioesey
an denctiy ralated with "IlgSle Green Waste to Lawpy mat Waste
Properti" In compilanea with the Crten Band Managerarg
Prncipies SS MAAN Beny And
igghile Green Progocin Musi meet at least ce of $ Tentesirtal in Ame Biod warsity
We ipdowing omega Cwservation
4 Suntanobia Wesaportatani
1 Santan tie Water and Watlmwaker
Matgenet
1, Oerute Chang Aktagstatioe
9 Green Ikddings
P 10 Sustahasie Agrcumane 4
Evaluation Process & Project Selection

&, & &

BN) has artasinhes the-E5G Babe) Debtors are tegurat ka Inaat— KeMtea mee LN MG

Committee that tt respootibie for — Em swepdnementa mx 303 Arceptaree OMmrla

#vokasting ad seserting projects — debtorn as determined by the INAC) basa im Ina

hat meet tim ditntia Of Gres Insihesi usitahtinaccordasce— evaluation of Ine Bank

bond Masewnik MM Live CIeAL dh epaluation— Mit Ktanagament
mundkutted By erik utuh

4

Sestatah By Nepari 2G
PT Mari Anyar Irekerani (Permana Tah

BNI

B. Management of Use of Proceeds

Recelpt ol Proceeds
#3 Tiraney Daun ang Ongsntu Plirsing wal Parkewarua Metagatani Diewe ii aa ragu ki: tar ita resargt.
A11 TETApINI Sa Panama A0 he dissstad he pergastn Puat sense setau tua 0 itu FC Tadi Cwedtaan

Wook Wil ak an apari Lan penamntapn af roti sunat framan and rebawa #ghw meat

Umallocated Proceeds
Wndoxaing arand 04 ba terpana petir Fat bar anti ah vesmdana.

C. Reporting

INI wil nusa Gireen Bose Report or an anmudi lugu, Begoewutg at on later Uban The date Shut Falls
Jing yuat after tie ptoce Inorm te firit Istana are receive ky BN Hiu report In mengena Ti
WOW Ur LTANNATONC IN InwaSLNN and PeyATAn Mi wabah lu the Mekenantatan at Tw kameworg

“pati Meparung ||
IN! ahatt mus the arvaoamantat and/or saya Impucn Of ahgilw asarta fantasi tny Ave luang
iraon Mandz. Wberass the gusnttatwe powikee Impart Indiaman is UNA Lrsan Hong Raport sover
"he lurkowing indicator

Menma tang | timket enak Mang pirtatia be ya 4 MANUWA
jewetupal ed UD intan wangi
| Ganwatad senad Came Gas Arosaae metandwwmrand bi mena ad
Dt apaan

2x enam ena pe ge mam amatamanN Pena
Senam tarar Di comder
san
Mentan ga meme anal Wa |
KL mtarenayanaakan /

Kamamakt Rapat 238
# Tawa Megan wasrewa Perwa Tut MRI

ASBNI Kiwski ap Soworar pndushan

Busturabitt » ihaopenre

eta SSBNI
JJ

Ea PA SA 2 Aan ne AA detahaaa kang,
c..

» Yntanat senat pass fana gusi metamtinsa wi bad We

ata Peta rta ma
1 Gnhatan horiper paga2g
« mata tuak komen Yan mania W meyond
aan
8 Wear Natan Puan Kera ec Bremen tara
L Menma sn Lang Lan HA Kak aa GK PRCTNC LA MA PA bala pnp

D, Issue

On tune 2), 2044, NW Basu green borsa mhn A totat pememal Of Kits Wbon, It Metit secuntes ar
Innund in d meet, La, A Sarer, with a total principal watu of IDMA telor and atm of yuara ang B
Series wtis & total principal wak of IDAEL #rilhkse ant 3 turn 643 yes.

The 1ransaction conewned Of.

«The firot Oreees Bond bitus bw Bani in Indonesia

$8NI3 Green and iittvorted kewesara duling the bookbulkting, where ee bands were verasiacribed
1134 umes

van (newgu bee Paw Tur mart Pa Mentan MPLLP BROOLI pemenang Gwen Bewb

Pa Man tara

Nest Leni Turn KAA ina doang ali k Dian
lever Hata Ten LAN Intra of LI | Irian
Aug tarnat 18 yaa sed astro) LA

Beiaruan Dona kem, 3T

Ihanai menes, retaaty, and serettag tanda mi Lai woukdntakia ta Hu geranasa al POM

BNI
03 | Allocation of Proceeds

Deceraar 2024, ANI has 2Socated 100 of proceodi from BNI M3) Grnon Hondu The detail:
Of zoch alocatipn are presented below:

penpuatir Lnrgy part (ON LNLK Wikan
tetreerd iengitilan Laws
Sumarubr Panettatan WN 22NA bitun agark
Genuine tetraaaal Ona atia tu
tea D0 Tan Kan Narn tetreend 101 an anta uan
Suwsrnbe Ketut Amcuna Td Gila P3
malang Ym
Toral OR 5.000 Miliar 101
ea Batrasene

@nwetetem

#—.
oma mmniuaman |
AL —muneeamaiystera

PAMA meaI Rapa
Pawan Megan wasrewa Perwa Tu MEA

Tustsiratta y Coyaran gran
Siranen Bentarabitty wd Ranjtenne

XBNI

BNI has allocates 100M af the prooreds trom Green Bands to 1U Green Business Actiwtisi (Kegiatan
Usaha Berwawasan Ungkungan, “KUBU") categories im secoedanoe with the peovislona Ot Tinandal
Services Autharty (D7) Megulatkan Number #xU/WoN D4/2017 coneerning bisuanos and Reguremart
ot Graan Debt Securities (Groen Bone), The aforamentioned provisioni 3iso set okt Hye mMMUN
Mecation of procped: trom Green Bond t6 financing under KUBA catmpones at TC Ol ihe insued
bond valus, therufone, BNI Pas coompkedi with ks raguitementi conservng ascatan af procmbtia.
from Gruen Hands. The allocation In accordance with the Graen Hand framework amountod to
10ON, wharo 40.194 wu: aflocated to onewabie Energy, 85 ABN to Green Tramaportation, E OSN to
Green Buildinga, 1650 10 Waste to Energy and Waste Management, and 5.60M to Sustainable
Nateral Resourtas and Land Use trom the Gatagoriws Gesillahiks in the Green Bond Framewart.

Sestatah By Nepari 2G
PT heri Mngara Irekera

Fa! SSBNI
04 | Impact Reporting

(@ mm

Te aiktKation at prooesiti Ireen Greea Bore In Ine Merewatikt Energy category wan maca Kor Sola Power
Pata (SPP), Min-tiwire Pewot Ptante PLTMWI, Wet Pewet Plart APUTI and ydro-Power Parte (PLYAL
Unesa projectu are Wtlu CO prov Iuwwet cOneributane ta Tw pmomwan ef ace 10 dwan and alfondatika
#erBy And Live hnpioewoant Of prupertion ut pernwabid GERRY TOK AN Wet MI Te penhucticn Of GG
awan

Tue Ninanewd penjeets provide knelinwet Cxontribut ken Dt he teihaweng Kila

WY»

A. Misi-Hyaro Power Plants (PLTMH)

Mwe-ttpdro Power Panti (MMPP) are power panu Itat utk Ine pokentat trargy (rose ve wanerahad ama
if Cikawngan ttver, Pandwuy Wings, Panduy District, Garet Megencp Tive Sa MW sagiatity MIMIN
#orkributee ta the proviban ef Pwusehald miactne Ry and support Ine merasiad mx Of New and Mengwatta
Erwepy INGE) in Ime area.

Kenaikan Repot 0
1 Here Magann atarema (Perwal TER

Tustsiratia Corporate pedushan

BNI

Jalar Power Mantt (PLTN are power aewata that utiNde DOkentiak EErKY NON PNdMaracaaik MnAT Danretk ITA
(et atik In corpert solar pawet to sleckricny, whucih can Theceare De wbed Tor reset Wae mesdh or ekertriciny.
The PLTY Projptt cormertad to he shEcaneiy grid Ih located In Garangasem Megusrv, Bak Prokor, wrih 25
MW tamocity ang Katie to drretiy produce and Metrtbuta eectnerr

Ik Solat Power Plants (PETS)

C. Wind Power Ptasts CPU)

Wont Power Pant (PUTIH) Propocts are power pinta Dat utiae wind prwer and are kemed Im Sdoereng
Ragancy, South Sulawosi #vovince. The PATI has 2 7G MW capacty and WI ba isibutag ta the national
#ieetricity grid to ful the poogli'a energy neadu.

A3 Surarah B1 Nepart
220 Maton

siranes 2 Gotirabity » ma paspanse -—

BNI

D. Hysiro Power Plants (PLTA)

Wyctro Pirerer Planti (PLTAI Pruacta are power glant progesti mat utiline the ponenta' energy from The mwer in
he Asahan Regency, Noah Sumatra Province The 1 & 87 MM capacity cantrbutu ta the inresse in New
Renemabile Energy NNEI ra in North Sumatra are support the avalabilty of electneity supgiy.

Kenaikan Repot 0
1 Here Magann atarema (Perwal TER

BNI Oxs”
» @ sirarer

& BNI
Sustainable Transportation

The lndodebeh Light Ml Iranvt (LKTI projest In an aisctiio powerod ape irach tram aystee project
tunnecting Jakarta with 3 susunding citici. 308 x3 Dogor, Depok, and Bekasi, The ralhbasad traruporsateri
Wujact W@ be ntagrated with Ile cakstng transpectation modus (Tramejakarta tuses. cummuter inet, dus
terminal, park and ride Inolitiss. and the dirparti at several sintkana, The Jnbodebek LNT Wfrastructure
praject jus total rawan tergti of d4 4 IM ed serves 4 total uf 2LAG8.ATO penykadpeat

Tw finoendi perifnetta mnowdeli bneinwet tesebut a01 One tiowng SIX

AAA

Lweranmental imoact
23,741” veco0n'yewi 381,019 «

vutit BIG Krem pat yaa Anegy Sanng por yeni

NBNI

@oru

The aikcatian tu Green Guling catagory ir made 10 Bulkting conutructon project that muat The Gold
mtandends aocoeding to Greenahip or higher, wtikir are dewatosed hy the Green Tuiktirg Council ndonesia
(SSC Indonesia) or other satioraly or mternutionaly recagnised mandarst 2 environmantai performance
#rstifhcabon, which convats ol us cafegones maruely, appropriate te deweloament. emargy eficisnoy and
torseivabon, water comervatian. materidi resowtes & cytie, ak uusltty and coeort, avi bulding und
Saran petai mang ten.

Tee pres buliditng fe kocartad an Dinptit Uity, with & (orori hat fumctios 49 x shorpotng center mx wali an cper
Wrer-apase wd Tntah aren af IA, LIZ mn? Tha buddedang tas antahned the Green Mar certificate Iram UCA
(Murising sed Conwtrucpan Ainharitih with Matinurn cakng Is APA

The mancadi prnjerta arcade trdoeri cant ibutigo tu ne foduweng HAL

Kenaikan Repot 0
1 Here Magann atarema (Perwal TER

AI 4 I Tustairatia y Corporate gan
-. firanen Buntarabity wu Rankenna —

BNI

@ Waste to Energy and Waste Management

Tne allocation of Green Band Pruceeds to tre Waste tv Unergy and Waste Manapamert catagory U mad ta
Iwsancr waste processing projects, meluding recydling ts secondary ram material and arazroivc compesting 10
eganic hertiiaer. These projecin contiibate to sustainable management und use of mitural resourter,
penpanubis waste management and upulicant reducbon df waste pies.

Presented below are 1he Waste to Eneegy and Waste Management prajesta
& INGJAKI to process ryetal 1sPn wake Lin bae pegyt krl Into secamdfary raw Prustimriat iri tits farm cd Tune Orente:
4. Peajess th proceia patibert este ado Grgaeit Waste Rn ber cecyeled Into Ong irit terthners.

"ne financod projecra provide indirect Camtnbutiana 10 tse folomeng SGDK

Sestatah By Nepari 2G
PT Mari Anyar Irekerani (Permana Tah

BNI

@ Land Use
Yustanahie Watura Wesmacws andi Land Uk was mpismented to loreet cososmlan wajact siih FSC

"mie surtanatia managemese plan located In Centrwi Papun Provinee and Wart Papan Provtncs. how
penjecta ar alale ta protect aril meakinta ks tree 1geples Uhat arm abie 1s capture asi kare cair decu

Tae fin sotmd projnettn percowiela bnelinet tan ribuit ana S1 Ue ttilorweeng SI Dn.

Kenaikan Repot 0
1 Here Magann atarema (Perwal TER

ASBNI @ tusriratia ap Soya "alan
TA firanen #entrinabitty md Pasjrenta
awan
TAU TA
LAPORAN REVIU AHLI LINGKUNGAN
Review Report bp Environmental Empert

SDGa Mus Unweriitas hdonesiz, selaitu Ali Lingkungan
@plih untuk melakukan veru Lapuran Obligasi
Berwawasan Lingkungan Hertelankatan Wi Tahun 209
Wirven Band Arport) dengar dsertatan beberapa data
pendukung twtkat peserbitan Obligasi Berwawsan
Ungkurgan Bervetarjitan BNI tahun 2022 (Greew Band
2017) berituk kerangka kebijakan Green Soug tersebut
Ahh Ungbungan meniik kompetensi pengalaman dan
Serbatah. yarg tetek dalam kegiatan berwawiran
tangan dan Pembangunan berkelanjutan (Lampiran 0

Tanggung jowab Manejemen NI

Tanggung jawab managemen BM atas benywaunan dan
penyajan Green Hore Report JO1S tesebut sewa
engan Green Bond Fremewu Bank BNI dan POIK Ne.
80 Tahun 2017.

Tanggung Jewad Ab Ungkungan

Tanggung jawati AM Lingkungan adalah utuk
melakukan tevu Green Hand Report dan beberapa
Sokurtes perdutung sinnya sesuai tetertuan POM No.
80 Tahus WIT. Mevu yang kami lekukan meecabug
keesetualan #mp/emontasi sendihan proyek Kegiatan
Usaha Berwawasan Ungkurgan (“KUBL") sebagurnana
tertata & dalam Green Mona Frarmework dan pala POM
80 Tahun 2017. Meski telah terbit POM No. Il tahun 2023
pengganti POIK 00 Tahun 2017 tetapi Erwten yang telah
mdwo.kan penwetitan Eee bervilat Utang Berwswaan
Unghusgan sebeiam POM 1 Tahun 2023 mi berlaku,
tetap mengituti ketertuas sebagam ana diatur dalem
PDIK No, BIMPOJKON/IOI? tentang Peneetilam dar
Pernyaratan Elak Bersifat Utang Berwawasan Lagkungan
Wareen Bond). Peryahsan dana hasi penerbitan Crew
Band 2012 he proyek KUGL terpilih, sawai Green Band
#ramewark. BMI telah melakukan penyaluran IDON atas
Smk pengebian Gres Mardi 2012 Sertiasarkan POIK Na.
80/2017. Abi Uingkursgas malahukan revi terhadap
Sempak Ingkungan yang tertuang Galam Green Band
Report 2015 dan menyewakan dengan Bata yang
terudia

S0G3 Mub Untersitns Intwesiu, 2 Ihe Crvvonmental
Irpert chosen to teriem ihr 275 AN Sustonatle
Envvormentaly Frasdly Ronde Report Iraen Rond
Report) atvch ekader wrerai tepporting data reioted 10
he tnuorcr of BMI 2022 Sasra'nutie

Friendly Bondi (Greeo Bond 2022) and the Greet Bond
policy Iramewori, Enutonmenta' Keperts have #elwang
erperlemie aa cericote — competanena in
emvornwntsap prioliy rat utmnatie devnbpmene
#eemties (Apgenda 1).

Masapement RenponsibiWtes

AN manggrmeni's rewonsihnep far tie peepuratian and
pesmitatian af the 3025 Green Bond Report in
#ecardance with AN Green Bond Framewark and
Feasasi Sereeei Autherty Regulatan (POM) Ne. ED af
07.

RemponalhiPues of Ermommental Laperts

The Eneirommenta! Capert'3 responsibility 4 to Pevew bin
Green Bond Negort and severat Other suaparting.
documenti jakowing the prowsion af PM No 40 af
KAT The renew we conehatnt asa ad Ih Jutobilty Of
Inplementing 1he Erwnormentoly Friendly Buwaraa
Activities ( WUBL) proferta 25 outlined in Che Gores Bond
Sramework and POIN GO af ATI 7. Even thaugh PDIK No. 18
ef 2029 rephnces POIK 60 af 2017, Imwars who Ir issue
#mevoarnentaly Frinndy Debt Securishes Itore POJK Ja af
TARI comes Into forte UN jodow Che prassiang ar
regulated In POM Mo. BOPOMIN/AOIP concaming
hisuoner and Regavements for Lowronmemtutiy Frteatiy
Debt Securties (Green Band, Distribution df fund from
Ine Iinwance df Ureen Bond AOA) to setetes MTI
Piryeti, in occordonc th Ine Gores Basa Frarwwork
(BNI hos dtstributed JOON of 2te fusdt fram the vitausee Of
Green Bond JO2I basa on POM Na SO/IOI7
Ineooamenanl capevts revirweil Me emeronmental
Impacts contakeed A7 Ihe Green Band Report 2021 and
#abwaned Ie he dive Owari ie dusta.

23

Neotew Rasatti

Masi resu atas Gorer Band Repert 2025 terhadap The test 6f the pewiew af the 2005 Green Bond Mepert
penyaluran alokasi kegitan yang Hdarsi deh hasi reganding the Sstilbutian ol actty afocatiwa funded dp

pertertutan Geeen Band MII2 adutah webagii barat:

he proceedi of ihe 2012 Cireen Bond (stannce Ore an
fottwe

1) Pemilihan proyek pada sektor KUNL dalam Tj The seleetian af proreere in Me KUANG vector for the

penyaluran dana Nasi pererhitan Green Bond 2012
telah musa dengan Greer Son (romewori,
meskipun penarnaan ulmtuk satu #UBL groduk yang
dapet mengurang senggunaan sumber days dan
menghuasikan lebih sedikit poksl diguakan
peramaan sELUM prtpeh yaitu gengekolaan sampah
menjas Energi dan manajemen sampah.

II Tidak ada perubahan realisasi alokasi dana hasil
penestitan Greeo Bond 2022 untuk reembieyai Ikma
ebetor GLIBL yang telah disetuu Uma KLIK tersebut
miWah energi bersarukan traroportai timah
Ingkangan. pengelolaan sumber iaya alam dar
penggunaan lahan yang berkelanjatan produk yang.
dapat mengurangi penggunaan sembar daya dan
menghasikan irtih sedhit pohal (pengsiutaan
sampah menjadi eneng dan manajemen sampahi,
dan Gedung Marah Lingkungan (hakenas 7 dalam
Laporan Tahunan).

3) Dana Green Band Ini dislekaskan 10OM untuk
kegiatan yang termasuk di delam KUDL (POIK No.
(V2017). Adapun, sampai tahun ketiga perpaluran
Yang sewa dengan BNI Green Mood Framework
Walah kekvenat LXIS, dnogan roctan yalu energi
Terbarukan sebesar 3RION untuk penyok baru
dibiayai dan TSEN proyek dibiayai kembali,
Transpartasi Ramah Lngkungan sebesar 2K4AN,
Gedung Berwawasan Lingkungan sebesar G1OM,
Pengolatan Sampah menjadi Eregi dan Manajemen
Urban @rodut yang dapat mengarang pengguraan

Sumber Daya Nem den Penggunaan Tanah yang
Besbelonjutan sebesar LOTK.

@atridvtan af furatu fraep uha 2027 Grwet Band janyamey
Jokowi the Green Bond Fromewori, atthaugh the
'narving af ore KUTIL pvodict Ihot 200 reduce rescarer
se and prodses les puliution 43 aye acconding 10 Me
moject, mameiy wasir managemen? into Lacy and
managemen (db

2) There s0 change In the reufatian af the allocatios uf

(hun from the lisuance af Green Bond 2027 to finance
Ie Nve appcoved KIMI sector, he Nve sertors are
menemabie energi, #wronmentaly rendy

nota reinurea maragamant, and
(ita nobie kana wie, grodati that cos rediuca resoaree
penbeaghndannbemrerlomwnebang Ae

3 This grees borid fund Li alkwnted IOON for axtivities

knddusted in KUBL (POIK Ne. 62/2O17). Meoewhile, until
(ie tel year af distribution Ws occordanee with da BAN
Green Bond Pramewark 0 1008, with detati mama
Kenewodi energy af FA IOS for remiy eoscng prujecta

Inergy and Waste Munogement ivoducas that can
reduce resowre use and pradure lesi polution jeta-
tifoentj af LEEN andi Sortawatie Le af Matural
Resources and Land Le af 5500.

Pamamabdiy epar 200
PT Hera Magann atarema (Perwal Teh

Justeirabta
@ sirarer

47 Pelaporan dampat dari 5 NJBL yarte
L Grergl Pertiatukan: (LI Pembangkit stek
Tenaga Mim Hidro (PLTMPO dargan kapawtak
BI MW Gi DAS Chaetgar Desa Pardeuy
Kecamatan Pandeuy Labupatan Garut, enerp)
yang dihasikan Z2280 MW pertahun,
memberikan danpak Biwkengan daoat
menghindari erik OKE 19384 10209 /atwn,
janluh pekerja tawa sebanyak 24 arang dan
yang menarira pelatihan B arang, dan dapat
duksan 5500 Kepala Keluarga, (2) Energi
Ustrik Tenaga Surya (PLISI dengan total
kapasitas 25 MW di Carangasemn Prowbal Bei
dan dampak Ingkangan decat menghendan
eni GRK sebesar ATAP 1C000g/Nahren,
eergi yang dihasilkan ST.AHI MWh pertaren,
NAS BN Kepala Umuarga dapat mengaksrs
(rrergi bersih dan terjangkas, penduduk lntal
yang diperkerjikan sebanyak 129 Orang
dengan 34 orang janleh pekerja yang
menerima pelita berkatan dengan
pengopermian proyek, I) Pembangkit Listrik
Tenaga Bayu (PETE) d Katupates Sidenrerg
Rapparg Proviral Sulawesi Selatan dengan
kapesitan ?0MW menghasilkan energi sebesar
MSATI MS pertahun, mei CAK yang
twitindari sebesar JOA.EOS KOdegftaten,
jemlah kepala keluarga yang dapet aku
tnergi barih Gan terjangkau sebanyak
1SD000 orang, jumlah karyawan dari
masyarakat total yang dapat dperkerjatan
#ebarpak 10 orang Gengan seluruh peberja
lokal mendapat pelatihan tekan
pengosermian prayeti Pembengiut Listrik
Tenaga Air (PITA) di Kabupaten Asahan
Prouns Sumatera Utara dengan kaceaitas 28
S7 MW, menghasikan energi sebesar
LATI.OK0 NIWh pertahun, erosi GAK yang
terhindarkan wowaa 121p
ICOD0g/tahun, jumlah mapala kehsarga yang
dapat mengatses eergi beruh Gan terjangkau
sebanyak 11.700, jumlah masyarakat ikal
yong diperherjskan sebanyak LAIK oreng dan
107 orang menecana pelatihan berkatan

Energi TerSarukan yang lakukan
kapslan SDGu Indoresa romor4.& 7,82 LI,
12, dan SDG4 11, tetapi yang. berdaoet
dlapocan hampa untuk mencapai SDGs No 4, 7,
K ih 39. fomtuk detail #eluparan Dampak
Walamtan 2-10)

0m

Corporate
2 Gontnirabitw

pndushan
Y ynipasjonre

4) Yeparing the impact af 3 KUBL, wamety

1 Rerewobie Coeege (1) MWi Mito Power Piaot
(PLTMH) with capacity af 5.1 MW MW Ihe Ciaesgan
Watershed, Pendeny Vilnye. Posdeuy Nett, Garut
Regency, Ih energy produced it 22140 MW per
ear, has un erronmentaf Inwoct af asian GNG
#mlsslong af IKIAA 1COdeg/yeor, Ihe mumber Of
bau wokers IIA pengie and N pengie recalwe
tnoining, asi toe be aceesmad hy 5,500 Meridi Of
Farsikes: (2) Solar Power Murit (PETS) min O tote
taocty of 25 MW in Karangasem, Ball Provence aed
the eovdranmentai (poci can #eoid GMG serians
Of 49747 1COdewyear, the erergr produed In
SENI MW ger year, 115.548 Meoeh af famles con
beres dran end affurdotve energy. Tie Mumber af
ben meuidemts empioyed & 120 people with 3d
worter recelang training related to project
operatiara, 3) The Mparoekertric Power Plant (PLTBI
W Seneng Mappang ageng. South Sabuei
Prodace, mitha capocity af 10 MW wih & capartp
WOW prodwoes energy af JISITT MAN per pen,
Onnidod GNG emxslora af ROM.501 #CO2e4/peor, the
mianber af hesde af farlies mha can oceees clean
ont affaroabik energy A 150,000 peogle. the number
Of employasa from the local community who con be
emulsi is 40 people mtk Ol local workeri seoriving
trowrang tetatad to prajert operation: Mpdroeiecinit
Power Plant (PLTA) in Asahan Mrgeney, North
Sumatra Prorinee. with 9 copoaty af 2 x 47 MW.
woducea energy Of 1,477,000 MW per pes,
Oroided CNG embsiors af 1352937 (CO2EW/ PEN,
(he tumber af hesds af Konilies mba can access Clan
(enad afloeskabie mnergp MAL ADD, the must df Anca
people omplared & LAI people anal 107 people
receive Irating teluted to operatiens. Overall ihe
Renewabie Energy Eiwiranmentelp Canscoss
Business Acne Gamied Ost support the
nchtesemieni af indonesia Y SOG4 tumbers 4, ti. 7 4
DL EL 42 arat SDA IL but those include an he
teport ore oriy ta archive SOGI Mo 4 7, R32, 13.
IFor detolts we War Reporting, see Pages BAD)

1 Bimas Gsnaek Inghutgan dun proyek
Tranipartas Rarsah Lisgkungan Light Rail
Transit (LRT) yaitu 25.741 (icOdeg/tahush
rs GK yang terhandarkan pertahun dengan
penghematan energi sebesar 3ALO1I G
(rona) yang memperkerjakan 1295 orang
karyawan dar selera HI Orang pekerja yang.

KUDL Ttatapurtasi Ramah Lingkanyan dapat
mesdukung capaian SDG3 Nomor 2,4, 29, IL
12, 19 dan 3066 No. 17, sedangkan yang
tertulk @ leparas Dampak hanya 4, &, & 41.
dan 13 Mralaman LI Pelaporan Deenpan)

3. Estimasi dampak begkungan dar KUR
Gedung Berwawasan Lingkungan yang
berlokasi Anta Depok vatu terfindarinya
LAI ACO)00 #1al Bas durndh Kaca
pertahannya Gangan memperoleh sevtifikat
Green Mert dari Butaing and Caritrurtke
Authority (BCA) dengan pencapaian Plattum.
KUDL Gedung Berwawasan Lingkungan dapat
mendukung tastkan SDGS Nornor 3 6, 7. 8 9.
M, 12. 19, 15, dan S0Gs Wo 17, sedangkan
yang tertuki & peagoran Sempak menya SD
Wo. 4, 7, 11, 31, dan SDGs YUI Isetara detak
dapat diikat pada Malamus 12 Pelaporan
Denaai

4. Batimasi dampak lingkungan dari KMK
Pengituban Sumpah menjadi Energi dan
sasa Lebah (produk yang dapat

mmergurangi pergguraan sumber daya dan
merghanikan tedih sedikt polusi (oco-
@fosentil yatu total Imbah yang di daur ulang
sebanyak 1543090 ton/tahun, dengan
Stirray #rii GRK yang terhandartkan adalah
200416 1CO064/tahum, engan jurnlah
manyarahat Jonal yarg dpereerjakan sebanyak
180 crang dan 30 rang yang menerima
pelatihan berkaitan dengan pengoperasian.
NUBK Ini mendukung capaian SDG) Nomor 3, &.
AA IL, 12, das S0G4 19, sedangkan yang
bertali dk Petapuran Dwmpak Mulan DN
hanya urtuk SDGs nerpar 4, 6, R 31 dan SDG4
Na. 13)

maa ama
kan ma metan
2

1. Ne rurimatas enahenmental mac af Um Ligtit Mai
Trarsit (LATI Gewer Trampovtotion praject «23,43
NC O2ey/yoat) mosded GNG emisisru per pes WIN
neng suvings of IA1O15 Gj (2024), wtich ceploya
1295 emplopres and 39 worker mba mecale
Iraning related dr aperatkaru, Overod, the Cireen
Prarupeetotian KL tan support Ube adevemet Of
SD Ga Mumibers IA & 9, IL 1) IA, ae SOGx Na. 17,
whUe andy, D9, 11, and LI are written in the Impact

"epert (Page LI Impact Reporung).

1. Me citinoted sewrommental umpact of the KUBL
Drwkoruentaly Corsuous Buang located In Degok
Ony, & the uyokdance af 7,269 ICORe0 af geenhcuse
(R3 embsioon per eat Dp abtaning a Greem Murk
cerificete iron Me Hwkalng oed Conetructian
Asthoriy (BCA) with & Matirumn artersament. KUA
Enurormentaly Consina Bulkding can sunpart the
aehevement af SDGs Mumbers 3, & 7. 8 9, IL ID
JA 15, and SDSx Nu 17, wiWe Bhose written in ihe
Impact report are only SOGE Na. & 7 TI, 12, and
INC LI (detoki con be senen 01 Papa 12 af impact

Iprodbeta tel com reda resouwar muge Ona
Produce leu palutian jeco e/Kcienti), namety total
reoyded meate of 1549090 toru/yeor. wib an
“stmeted avoded CNG enwskors Af M997
ICORag/yeat, with the number af Icu people
#rokoyed as many an 180 people, ard 30 peopte mo
rwceves troiting rekat ho Omer. TNI KLM
tuppats the axhirsemere af STIGK murnbers 2 4, & 7,
DI 12, and SOGi LI, while what ix written in the:

Inwact Reperting Page 13 4 sdy fov SDG3 numbera
AG & IL and 306 No Ai

Karaan Bapa 2226 IA
"Then Megan waarewa Perwa Tek Mad

XSBNI Gemes pera

5. botani Dampak Ungkungan dar KUN
Pengaknraan Sumber Daya Wen dan
Pengguntar Tanah yang Berualaryutan
Sengan menusam pihan tebanyak 55.205
poban, dengah estimas emil CAK yang
terhindarkan adalah 126342 tcOZey/tahun,
van pre yang dilntung Gan berseri has PSC
Worest Stewardshi Counoli, dengan jurmiah
manyarakat local yang Gperennjakan sebanyak
AOA erang dan Z3 ceang yang menerima
pelatihan. Agar dapat dhetatui lebih pasti
dampak yang ditmmbalkan. untuk berikutnya

eapabet SDGI romar & R, 19, 15 Gelah mua
#engan Laporan Dampak Plalamar 14|

Indikatar padn KB yarg telah ditetapkan sebelumnya
Weh NM 1tlah sesyan Perivtungan emisi karbom sebagai
Uivmpak begituan akan lebh sempurna dengan
#mangguraikan Faktor Emi GR Sistem Ketenagahrtrikan
dari Keputunan Mester Energi lan Sumber Daya Mmerai
Wamer AZTN/TLOWMEM-S/2019, sedangkan untuk
pengfitunyan dampak MUI lainnya telah sesusi dengan
best practies.

pet ena mata
2

8 tewtormental anwact Eittmatar af KLO
Sintohvgdie Uve af Wetsrai Mesowroes ond Lane Uu
dy yionting 55.809 tree1, MIN an eatimatnd avoxdea
GNG emisane af SAK MD 1COJ0y/yeor, protecred
wraf FSC (Forest Stemardslip Council) cestifes, main
he member af Ical people employed e1 many an AN
pevwe, and 29 people who received Iroing. To
better underitandi the (mpotts comet, (Ae affected
rest and their assncistwa kmparts car be uted and
bokir for the met atap. Tiki KOK supperte te
anbsrvement of SDGs numbers 4 & 13 15 fa
aecordonet with the Impact Raport Rope Ja).

Tie ndfcetars Ih UBI that have beer prevenusiy set bp
3N re aporaproote. Cokakilon af cardon esai an
an empect of activities wd! be more perfect dy wsung iko
GMS Eomitakan Factor for te Kiectrkity Sem from ih
Dewrwa af the Manrer af Energy and tewarai Resources
Number TITA/TLOI/MEMS/ANIR wita the
akuatik of atther KUAIL Anpacts A in accorure With
beat users.

dakarta, 17 Juri 2025
Jakarta, Aw 17", 2025

-
SG —

De. Triarko Nurlambang, MA,

|
Spue Pe—al
1

Prof. De. katna Supriatna, M.Sc

Pk y Yon

VALUE CREATION

for Greater Impacts

XCBNI

Mtma Una katarak: tel pu

Grha BNI

JI. Jenderal Soditman Kav. |

Jakarta 12220 Indonesia

Email 1 belcallebok.co.id

Wetaita pekan da Ou
Gikutian Cnstar : 1500 248

Tai O01 , 2ELU SAK, 572 BIT 9 ema

Fan S0» WIL BIO, E72 6063 @ asas