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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Corporate
Presentation
FY2025
PT Bank Negara Indonesia (Persero), Tbk.
Jakarta, 03 February 2026
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
◎ Management Highlights 03
◎ Macroeconomic Highlights 10
◎ Financial Highlights 18
Highlighted Results 19
Balance Sheet Highlight 21
Profit or Loss 22
Loan Composition 23
Loan Disbursement 24
Third Party Fund 25
Table of Contents Liquidity (LCR, NSFR & LDR Ratios)
Fee Based Income (FBI)
Operating Expense (OPEX)
26
27
28
◎ Asset Quality 29
Loan at Risk 30
LAR by Segment, Write Off & Recovery 31
NPL Formation & Write off Vintage 32
Sufficient Provisioning in line with risk appetite 33
LAR, NPL & Provision Coverage trend 34
◎ Digital Initiatives 35
◎ Business & Consumer Banking 42
◎ ESG 45
◎ About BNI 57
◎ 5 Years Financial Data 69
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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Management Highlights
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
2025 recap: Funding strength & prudent provisioning amid margin pressure
Lower rate environment translated Strong Loan growth, fully funded by CASA,
into loan yield and NIM offset NIM pressure
(IDR Tn)
6.00% 63.9 65.0
29%
4.75% 7.7%
7.2%
23.4 24.6
4.2% 16%
3.8% 163 Tn
124 Tn 40.5 40.3
2.7% 2.7%
Dec-24 Dec-25 FY24 FY25 CASA Loan FY24 FY25
Operating Non Int.
Benchmark Rate (%) Loan Yield (%) NIM (%) CoF (%) Growth YoY NII
Income Income
Prudent provisioning policy despite
Robust foundation despite 2025 headwind
asset quality improvement
-6.6ppt
86.4%
10.32% 1.15% 21.5 Tn 19.4%
1.05% 20.0 Tn
8.47%
1.97%
1.93%
Dec-24 Dec-25 Dec-24 Dec-25 FY24 FY25 Dec-24 Dec-25 Dec-25 Dec-25
LaR ratio (%) NPL ratio (%) CoC ratio (%) EAT (IDR Tn) Tier-1 CAR (%) LDR (%)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Stable macro outlook with policy support heading into 2026
Indonesia’s stable GDP growth outlook Expansionary fiscal policy to support
remains attractive relative to global peers GDP growth
Real GDP growth (% YoY)
5.0% 5.0%
11.3% “The government will accelerate
3.2% 3.2% YoY
2.9% 2.9% spending programs early this
3,843 year to stimulate the real
sector.”
3,451
– MoF Purbaya, Tempo (20 Jan 2026)
World G20 Indonesia 2025 (Actual) Budget 2026
2025F 2026F Fiscal Expenditure (IDR Tn)
Source: OECD Source: MoF
Potentially more moderate
Supportive monetary policy during 2025
rate cuts in 2026
7.30 Fed Fund Rate (%) Benchmark Rate (%)
9.6
6.43 6.19
8.0
4.82 4.92
6.00 6.1 6.4
50bps 25bps
924 891 783 4.75%
5.75 5.50 709 731
4.8 4.75 4.75 3.50–3.75%
4.50%
Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
3.00–3.25%
Benchmark SRBI Ownership (IDR Tn) 2025 2026F* 2025 2026F**
M2 Growth (% YoY)
Rate (%) SRBI 1Y Rate EoM (%)
Source: BI *Market Consensus; **BNI’s forecast Source: The Fed, BI
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Growth optimism supported by Government economic priorities
The government’s policy stance is focused on
Supported by 8 targeted economic priority agendas
maintaining macroeconomic stability
BNI’s Forecast 2026F • IDR 758 Tn to improve education quality and
Quality Education global competitiveness
GDP Growth YoY 5.2%
Inflation ± 3.0% • IDR 425 Tn for defense modernization and
National Defense strategic industry support
Exchange Rate 16,600 – 16,700
Fed Fund Rate 3.5 – 3.75% • IDR 402 Tn to accelerate renewable energy
Energy Security development
BI7DRR 4.5 – 4.75%
• IDR 268 Tn to provide nutritious meals for
Free Nutritious Meals students and pregnant women
Government expenditure provides an
incremental boost to domestic demand • IDR 244 Tn to expand access to healthcare
Healthcare services
National Account Plan • IDR 164 Tn to support rice and corn self-
Food Self-Sufficiency sufficiency
• Economic empowerment, focusing on village
development, MSMEs and cooperatives,
Economic Empowerment
supporting over 2.4 million quality jobs
• Investment growth is targeted at ~14% YoY
Investment Acceleration
Source: MoF
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Balanced growth supported by diversified exposure and prudent risk management
Healthy loan acceleration Diversified loan exposure to mitigate
across key segments concentration risk
Loan Growth by Segment (YoY) Loan Concentration Profile (Bank Only)
20.1% 19.9% 32%
45%
15.9% Concentration risk eased
14.5% with broad debtor
Consolidated
9.6% 68% diversification.
55%
-20.8% Dec-20 Dec-25
Other Debtors Top 20 Largest Loans
Corporate Middle SME Non-KUR Consumer KUR
Improvement in loan book Supported by sufficient provisioning
RWA density buffers, above peer levels
81.6% 81.0%
4.0%
Dec-25
76.5% Stage
3.8% Amount
(bank only) LLR %
73.1% (IDR Tn)
70.4% Stage 1 792.4 0.5
69.2%
Stage 2 64.9 23.2
Stage 3 25.8 62.7
All Stage 883.0 4.0
Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Avg Peers BNI
Loan loss reserve to Loan (%) as of Nov-25 (KBMI IV peers) and Dec-25 (BNI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Q4 Performance: leveraging tailwinds and digital strength
PPOP recovery momentum driven by
CoF improved by 47 bps QoQ
CoF and Non-Interest Income
(IDR Tn)
9.4
8.3 8.5
7.8 7.9%
7.4% 7.3% 7.2%
1.9 7.1%
1.4
1.1 1.1 5.4
4.0 5.0 4.5%
4.0 3.9% 3.9%
3.7% 3.6%
9.8 9.7 9.7 11.1
2.8% 2.8% 2.9%
2.7% 2.5%
1Q25 2Q25 3Q25 4Q25 4Q24 1Q25 2Q25 3Q25 4Q25
PPOP Loan Recovery Fee Income NII Loan Yield (%) NIM (%) Cost of 3rd Party Funds (%)
Strong digital channel with productivity
Digital channel fee income +22% QoQ
improvements in physical branch network
Fee-based Income (IDR Tn) Branch & Digital
Channel Productivity
6.0% qoq Digital channel transactions recorded
solid 22% QoQ and 16% YoY growth
Bill Payment &
+27% YoY +25% YoY +36% YoY
5.4 Tn PPOB E-channel users users Avg. daily new
5.0 Tn
accounts per outlet
Collection, API &
Cash pooling
Retail Bond &
Mutual Fund +36% YoY +14% YoY +27% YoY
3Q25 4Q25 transaction frequency transaction frequency Avg. daily new accounts
by mobile banking apps
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
FY 2026 Target
FY25 Target FY25 Results FY26 Target
Loan
Growth 8.0 - 10.0% 15.9% 8.0 - 10.0%
(% YoY)
Net
Interest ± 3.7% 3.8% 3.5 - 3.8%
Margin
bank only
Credit
Cost ± 1.0% 1.15% 1.0 - 1.2%
bank only
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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Macroeconomic Highlights
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Global VUCA continued in 2025 amid the US reciprocal tariff and escalating geopolitics tension
The US reciprocal tariff has been The global VUCA brought IMF to forecast global
the source of volatility in 2025 growth to weaken further in 2026
The US Reciprocal Tariff (%)
Oct-2025 IMF
India 50% Region and Country
WEO Forecast
2024A
China 47%
Avg World 20%
GDP Growth % 2025F 2026F
ASEAN 5 + Vietnam (Ex.Singapore)
World GDP 3.3 3.2 3.1
19%
Advanced economies 1.8 1.6 1.6
Indonesia 19%
United States 2.8 2.0 2.1
Japan 15%
Euro Area 0.9 1.2 1.1
EU 15%
Source: various sources, BNI OCE Japan 0.1 1.1 0.6
United Kindom 1.1 1.3 1.3
The continuing geopolitical risk in Russia-Ukraine and Emerging Countries 4.3 4.2 4.0
Middle-East also drove last year’s macro risk
China 5.0 4.8 4.2
Geopolitical Risk Index: Benchmark India 6.5 6.6 6.2
350 319.0 Russia 4.3 0.6 1.0
300
ASEAN-5 4.6 4.2 4.1
250
Indonesia 5.0 4.9 4.9
200
Malaysia 5.1 4.5 4.0
150 127.3
Philippines 5.7 5.4 5.7
100
50
Avg Pre-COVID: 99 Thailand 2.5 2.0 1.6
0 Vietnam 7.1 6.5 5.6
Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Source: IMF, BNI OCE
Source: CEIC, BNI OCE
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Rupiah performance has been below peers YtD amid global VUCA
The Rupiah depreciated by -3.7% in FY2025, Foreign investors registered USD -6.7bn outflow
whereas peers strengthened by 5-6% in 2025
Exchange Rate Performance FY2025 6 Foreign Flows (in USD bn) as of 31-Dec-25
4
2 0.3
Sweden 16.8% 0
Czech Rep 15.5% -2 -1.0
Mexico -4
13.5% -6.7
-6
Swiss 12.7% -8
South Africa 12.1% -7.4
-10
Equity Government Bonds SRBI Total
EU 11.9% -12
w4-Jan-25
W2-Oct-25
W2-feb-25
w5Aug-25
W3-Sep-25
W5-Dec-25
W4-Apr-25
W5-Oct-25
W1-Jan-25
W1-Mar-25
W4-Mar-25
W1-June-25
W4-June-25
W2-Aug-25
W3-May-25
W3-Jul-25
W3-Nov-25
W2-Dec-25
Brazil 11.4%
Malaysia 9.2%
Thailand 7.6%
UK 7.1%
Source: Bloomberg, BNI OCE
Singapore 5.9%
Average Ex Arg & Tur 5.7% Fortunately, Indonesia’s large trade surplus
ASEAN Avg 5.2% prevented further currency weakening
Canada 4.6%
EM Average - Ex Arg & Tur 4.4% Indonesia Trade Balance
China 4.3% 80
South Korea 2.2% 60 54.5
Japan 0.3% 35.3 36.9 38.5
40 31.3
Russia 0.0% 21.6
20 9.5 11.8 5.6
Philippines -1.7%
Indonesia -3.7% Data as of 31 December 2025 0
2.0
India -5.0% -20 -8.7 -3.6
DXY* -9.4% -40
2016 2017 2018 2019 2020 2021 2022 2023 2024 11M25
-15% -10% -5% 0% 5% 10% 15% 20%
Trade Balance (USD bn) Exports %YoY Imports %YoY
Source: Bloomberg, BNI OCE Source: CEIC, BNI OCE
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Indonesian government has been aggressive to support domestic demand amid global VUCA
The government deployed Rp110.7tn stimuluslast year,
The timeline detail of the government’s stimulus
including the Rp30tn cash handout (BLT)
2025
The Government's Stimulus 2026
Stimulus I Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Rp33.3tn
Social Safety Net
Rice Aid
Jan-Feb 2025 Additional Food Aid
Electricity Discount 50%
Cash Handout (BLT)
Wage Subsidy and Individual Tax Incentives
Personnel income tax (PPh21) borne by the government for
Stimulus II
labour-intensive sectors workers with max monthly salary of
Rp10mn
Rp24.4tn Wage Subsidy for labour-intensive sectors workers with max
Jun-Jul 2025
monthly salary of Rp10mn
Personnel income tax (PPh21) borne by the government for
workers in tourism
Cash for Work Program
Internship for university fresh graduate with allowance at
minimum wage
Stimulus III BPJS Premium Aid
Rp15.6tn 50% discount on work-accident insurance (JKK) for labour-
Oct-Dec 2025
intensive sectors workers
Aid on work-accident insurance (JKK) and death insurance
(JKM) for informal workers in transportation, inc. ojek
online/offline
Expanding JKK and JKM aid to other informal workers
(farmers, fisherman, etc)
Additional BPJS service on housing
Stimulus IV
Rp37.4tn
Supports to MSME
Oct-Dec 2025
Final income tax borne by the government for MSME with
annual revenue <Rp500mn
Final income 0.5% for MSME with annual revenue <4.5bn Has been applied since 2018, and in effect 7 years since the MSME apply to until 2029
receive tax incentives
Support for automotive and transportation sectors
VAT borne by the government for EV
Transportation and toll-road discount
Rp110.7tn
Total Stimulus
Other stimulus
Deregulation Acceleration (PP28)
(0.5% of GDP) Urban development program (pilot project in Jakarta)
Stimulus I Stimulus II Stimulus III & IV
Source: MoF, BNI OCE Source: MoF, BNI OCE
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
The government aggressive stimulus has supported domestic macro environment, especially in 4Q25
Social spending surged by 70% YoY in 4Q25 amid BLT program, The BLT program lifted the consumer confidence
followed by capex which rose by 44% of the aspiring middle class
CCI by Spending Level
Fiscal Expenditure (% YoY) 150
80.0 70.4 140
130
60.0
44.2 120
40.0 30.3 110
20.4 100
20.0 9.8 90
1.4
0.0 80
-0.05 -3.0 -2.9 70
-20.0 -6.3 -10.2 <100 Pessimistic
60
-21.0
Dec - 23
Jun - 19
Mar - 20
Dec - 20
Jun - 24
Dec - 24
Jun - 20
Jun - 21
Dec - 21
Mar - 22
Dec - 22
Jun - 22
Mar - 25
Dec - 19
Jun - 23
Jun - 25
Dec - 25
Sep - 21
Mar - 23
Mar - 24
Sep - 19
Mar - 21
Sep - 23
Mar - 19
Sep - 20
Sep - 22
Sep - 24
Sep - 25
-40.0
1Q25 2Q25 3Q25 4Q25
Capital expenditure Social assistance Total Expenditure
IDR 1 - 2 Million > IDR 5 Million IDR 2,1-5 Million Overall CCI
Source: MoF, BNI OCE Source: CEIC, BNI OCE
4Q25 investment would likely driven by the government’s capex
Retail sales also showed a modest improvement in 4Q25
especially on equipment purchase
Retail Sales (% YoY) No Expenditure
2025 2024
% YoY
12
(IDR Tn) (IDR Tn)
9.3
10
7.9 1 Land 11.2 18.4 -39.0%
8
6.4 5.8 6.3
5.5
4.5 4.8 4.7 4.4
3.53.74.3 2 Equipment & Machinery 276.7 178.4 55.1%
6
1.6 1.1 1.5 2.4 2.1 2.1 2.7 2.0
4
1.1 1.50.91.8 1.9 1.3
2
0.2 0.5 3 Buildings and Structures 36.2 49.4 -26.7%
0
-2 -0.3 4 Roads, Irrigations, and Networks 70.6 92.0 -23.2%
-4
-2.7
-6
5 BLU & Others 32.8 17.4 88.9%
Dec - 23
Jun - 24
Dec - 24
Jun - 23
Jun - 25
Dec - 25
Mar - 25
Sep - 23
Mar - 24
Sep - 24
Sep - 25
Total 427.5 355.5 20.2%
Source: CEIC, BNI OCE Source: MoF, BNI OCE
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
The expansive fiscal policy will continue in 2026
Fiscal spending is targeted to increase by 9% in 2026… …partly driven by the Free Nutritious Meal (MBG) program
Fiscal Spending (% Chg) Fiscal Expenditure (Rp tn)
25% 4,000
18.3% 3,842.7
20% 3,900
15% 3,800
6.7% +8.9%
10% 8.9% 3,700 268
5% 5.0% 3,600 3,527.5
0% 3,500
-5% 0.1% 117 +129.1%
3,400
-10% 3,574.7
3,300
-15% 3,410.5
-20% 3,200 +4.8%
-25% -19.8% 3,100
2022 2023 2024 2025 Govt Outlook 2026 APBN 2025 Government Outlook 2026 APBN
Total Spending Central Government Regional Transfer Expenditure Ex. MBG MBG
Source: MoF, BNI OCE Source: MoF, BNI OCE
Food security budget is increased by 6% in the 2026 State Budget We estimate the pro-growth policies
as part of the government's initiative to attain food self-sufficiency will raise GDP growth to 5.2% in 2026
GDP Growth Forecast (%)
Food Security Spending
5.40
180 160 164 50% 5.3
155
160 40% 5.30
Change (% YoY)
140
110 115 38.6% 30%
120 100 5.2
100 85 74.5 86 89 20% 5.20
81
Rp Tn
80 5.9% 10%
60 5.10 5.0
0% 5.0 5.0
40
20 -2.7% -10% 5.00
0 -20%
4.90
2022
2021
2024
2020
2017
2023
2016
2018
2019
2025 Govt
Budget
Outlook
2026
4.80
Food Security Spending % Change - RHS 2022 2023 2024 2025E 2026F
Source: MoF, BNI OCE Source: CEIC, BNI OCE
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
BI would likely focus on the previous monetary transmission as the room for rate cut is
projected to be limited amid exchange rate volatility
We expect the room for BI to cut policy rate would be limited
Rupiah performance was below peers YTD 2026
at 25bps due to inflation and exchange rate risk
BI-Rate (%) Exchange Rate Performance YTD 2026 (%)
6.5 Mexico 2.1%
Brazil 2.0%
6.00 6.00 South Africa 0.9%
6.0
DXY* 0.8%
5.50 Thailand 0.8%
5.5 China 0.4%
5.00 Malaysia 0.1%
5.0 Singapore 0.0%
4.50 EM Average - Ex Arg & Tur -0.1% Data as of :
4.5 4.00-4.25 UK -0.4%
19Jan2025 20.00 WIB
*Positive DXY means appreciation
Swiss -0.6%
4.0 3.75 Japan -0.8%
3.50 EU -1.0%
3.5 Philippines -1.1%
India -1.2%
Indonesia -1.5%
3.0
South Korea -2.3%
2019 2020 2021 2022 2023 2024 2025F 2026F
-3% -3% -2% -2% -1% -1% 0% 1% 1% 2% 2% 3%
Source: BI, BNI OCE
Source: Bloomberg, BNI OCE
Instead, the central bank is expected to focus on This was partly reflected on the shifting KLM incentive composition
last year’s rate cut transmission to banking rates where BI put more weight on interest rate channel (transmission)
Interest Rate Change FY2025 (bps)
0
-24
-50
-67
-100
-93
-125
-150
-200
-205
-250 -238
SRBI 1Y INDONIA BI-Rate Govt Bond Time Lending
10Y Deposit 1M Rate*
*as of Nov-2025 Rate*
Source: BI, BNI OCE Source: BI, BNI OCE
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
What are the macro risks for 2026?
1.) Potential tax revenue shortfall 2.) Prolonging K-shaped recovery due to growth quality issues
Private Consumption (% YoY)
8
7 6.39
6
5 4.89
4
4.12
3
2
1
0
3Q23
3Q24
3Q25
1Q23
1Q24
2Q24
4Q24
1Q25
4Q23
2Q23
2Q25
Private Consumption Middle-Low Consumption Proxy
Leisure Related Consumption (Upper Class)
Source: MoF, BNI OCE Source: CEIC, BNI OCE
3.) Rising food inflation risk due to supply-side issues 4.) Exchange rate risk due to global volatility
CPI Inflation (YoY%) USDIDR and NDF12M
17200 17,106
7.0 15 17100
6.0 17000
10 16,865
5.0 6.21 16900
5 16800
4.0
2.92 16700
3.0 0 16600
2.0 2.38 -5 16500
1.0 16400
-10 16300
0.0
16200
-1.0 -15
11-Nov-25
25-Nov-25
13-Jan-26
9-Sep-25
23-Sep-25
30-Sep-25
21-Oct-25
4-Nov-25
16-Dec-25
6-Jan-26
16-Sep-25
7-Oct-25
14-Oct-25
18-Nov-25
2-Dec-25
2-Sep-25
28-Oct-25
9-Dec-25
23-Dec-25
30-Dec-25
Mar-19
Dec-20
Jun-23
Sep-18
Sep-19
Jun-24
Jun-20
Jun-21
Mar-20
Mar-22
Jun-22
Jun-25
Dec-18
Dec-19
Sep-20
Sep-22
Mar-23
Sep-23
Mar-24
Mar-25
Sep-25
Mar-21
Sep-24
Sep-21
Jun-19
Dec-22
Dec-23
Dec-24
Dec-25
Dec-21
Headline Core Administered Price - RHS Volatile (mostly food) - RHS IDR NDF 12 Mo IDR Spot
Source: CEIC, BNI OCE Source: Bloomberg, BNI OCE
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Financial Highlights
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
FY25 Strategy: Solidifying liquidity and asset quality for growth in coming year
Highlighted Results (IDR Bn) FY24* FY25 YoY (%) 4Q24* 1Q25 2Q25 3Q25 4Q25 QoQ (%)
Total Assets 1,130,129 1,362,055 20.5 1,130,129 1,146,583 1,201,653 1,269,486 1,362,055 7.3
Loan 775,872 899,531 15.9 775,872 765,469 778,681 812,195 899,531 10.8
Third Party Funds 805,511 1,040,834 29.2 805,511 819,580 899,865 934,326 1,040,834 11.4
B/S CASA 563,278 725,959 28.9 563,278 577,807 647,554 613,383 725,959 18.4
[Consolidated]
Current Account 305,734 439,499 43.8 305,734 319,983 381,639 344,455 439,499 27.6
Savings Account 257,544 286,460 11.2 257,544 257,824 265,915 268,928 286,460 6.5
Time Deposit 242,233 314,875 30.0 242,233 241,774 252,311 320,943 314,875 -1.9
Net Interest Income 40,480 40,333 -0.4 11,042 9,834 9,681 9,737 11,080 13.8
Interest Income 66,583 69,394 4.2 17,747 16,713 16,901 17,553 18,227 3.8
Interest Expense (26,103) (29,061) 11.3 (6,705) (6,879) (7,220) (7,815) (7,147) -8.5
P&L
Non Interest Income 23,415 24,643 5.2 7,034 5,217 5,390 6,645 7,391 11.2
OPEX (29,112) (30,856) 6.0 (8,554) (6,740) (7,225) (7,867) (9,025) 14.7
[Consolidated]
PPOP 34,783 34,120 -1.9 9,522 8,312 7,846 8,515 9,447 10.9
Provisioning Charges (8,211) (9,724) 18.4 (2,882) (1,760) (2,027) (2,333) (3,604) 54.4
Net Profit 21,464 20,041 -6.6 5,115 5,380 4,714 5,021 4,926 -1.9
*FY24 & 4Q24 results have been restated following the implementation of IFRS 17, impacting line items Total Assets, Non Interest Income, OPEX, and PPOP
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Strong foundation: 86.4% LDR | 20.7% CAR | solid LCR & NSFR
Highlighted Results (%) FY24 FY25 YoY (%) 4Q24 1Q25 2Q25 3Q25 4Q25 QoQ (%)
CASA Ratio (Consolidated) 69.9 69.7 -0.2 69.9 70.5 72.0 65.6 69.7 4.1
CoF (Third Party Funds) 2.69 2.73 0.04 2.65 2.75 2.81 2.93 2.46 -0.47
Profitability & NIM 4.2 3.8 -0.4 4.5 3.9 3.7 3.6 3.9 0.3
Efficiency ROAE* 14.2 12.7 -1.5 12.9 13.3 12.3 12.5 12.5 0.0
[Bank Only]
Pre-tax ROAA 2.5 2.1 -0.4 2.4 2.4 2.1 2.1 2.0 -0.1
CIR 44.6 46.5 1.9 46.6 43.8 47.1 47.3 47.4 0.1
LAR 10.3 8.5 -1.8 10.3 10.9 11.0 10.4 8.5 -1.9
NPL (Gross) 2.0 1.9 -0.1 2.0 2.0 1.9 2.0 1.9 -0.1
Asset Quality Credit Cost 1.1 1.2 0.1 1.5 0.9 1.0 1.1 1.5 0.4
[Bank Only]
LAR Coverage Ratio 48.8 46.9 -1.9 48.8 47.3 43.1 41.9 46.9 5.0
NPL Coverage Ratio 255.8 205.5 -50.3 255.8 263.1 243.4 222.7 205.5 -17.2
LDR 96.1 86.4 -9.7 96.1 93.1 86.2 86.9 86.4 -0.5
Liquidity LCR 155.9 160.5 4.6 155.9 150.9 144.2 167.4 160.5 -6.9
[Bank Only]
NSFR 132.5 141.9 9.4 132.5 137.8 143.0 142.1 141.9 -0.2
Tier-1 CAR 20.0 19.4 -0.6 20.0 20.9 19.7 19.8 19.4 -0.4
Capital
[Bank Only] Total CAR 21.4 20.7 -0.7 21.4 22.3 21.1 21.1 20.7 -0.4
*ROAE with average total equity as denominator ; 14.0% in FY25 if the denominator is Tier 1 Capital as reported to OJK
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
A Balance Sheet positioned for growth and lower costs
Growth - %
Consolidated Balance Sheet (IDR Bn) Dec-24* Mar-25 Jun-25 Sep-25 Dec-25
QoQ YoY
Total Assets 1,130,129 1,146,583 1,201,653 1,269,486 1,362,055 7.3 20.5
Placement with other banks & BI 17,076 26,516 69,744 33,018 33,780 2.3 97.8
Current Account with Bank Indonesia 51,669 43,169 35,942 92,683 79,989 -13.7 54.8
Marketable Securities [market value] 48,534 51,968 52,412 58,959 63,017 6.9 29.8
Government Bonds [market value] 132,072 134,026 135,127 142,235 163,513 15.0 23.8
Loans (gross) 775,872 765,469 778,681 812,195 899,531 10.8 15.9
Third Party Funds 805,511 819,580 899,865 934,326 1,040,834 11.4 29.2
CASA 563,278 577,807 647,554 613,383 725,959 18.4 28.9
• Current Account 305,734 319,983 381,639 344,455 439,499 27.6 43.8
• Saving Account 257,544 257,824 265,915 268,928 286,460 6.5 11.2
Time Deposits 242,233 241,774 252,311 320,943 314,875 -1.9 30.0
Deposits from other Banks 18,548 14,007 11,456 14,741 11,563 -21.6 -37.7
Marketable Securities Issued 30,674 31,435 26,964 32,569 32,593 0.1 6.3
Borrowings 42,931 38,846 39,436 42,088 39,040 -7.2 -9.1
Shareholders’ Equity 166,548 173,014 165,188 171,610 176,339 2.8 5.9
*Dec-24 results have been restated following the implementation of IFRS 17, impacting line items Total Assets and Shareholders’ Equity
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
FY25 Results: Profit impacted by lower rates & prudent overlays
Consolidated Profit & Loss (IDR Bn) FY24* FY25 YoY (%) 4Q24* 1Q25 2Q25 3Q25 4Q25 QoQ (%)
Interest Income 66,583 69,394 4.2 17,747 16,713 16,901 17,553 18,227 3.8
Interest Expense (26,103) (29,061) 11.3 (6,705) (6,879) (7,220) (7,815) (7,147) -8.5
Net Interest Income 40,480 40,333 -0.4 11,042 9,834 9,681 9,737 11,080 13.8
Insurance & Investment Income – Net 766 743 -3.0 256 137 206 238 162 -32.0
Fee-based Income 16,624 18,461 11.1 4,622 4,014 4,046 5,049 5,352 6.0
Recovery 6,025 5,439 -9.7 2,157 1,067 1,137 1,358 1,877 38.2
Non Interest Income 23,415 24,643 5.2 7,034 5,217 5,390 6,645 7,391 11.2
Operating Income 63,896 64,976 1.7 18,076 15,051 15,071 16,383 18,471 12.7
Operating Expense (29,112) (30,856) 6.0 (8,554) (6,740) (7,225) (7,867) (9,025) 14.7
Pre-Provision Income (PPOP) 34,783 34,120 -1.9 9,522 8,312 7,846 8,515 9,447 10.9
Provisioning Charges (8,211) (9,724) 18.4 (2,822) (1,760) (2,027) (2,333) (3,604) 54.4
Net Income before Tax 26,569 24,397 -8.2 6,706 6,519 5,798 6,122 5,959 -2.7
Net Income 21,464 20,041 -6.6 5,155 5,380 4,714 5,021 4,926 -1.9
*FY24 & 4Q24 results have been restated following the implementation of IFRS 17, impacting line items Insurance & Investment Income – Net, Fee-based Income, Non Interest Income, Operating Expense, and PPOP
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Strategic Loan growth with risk discipline
(IDR Tn)
Growth - % Loan Yield by Segment (%) – Bank Only
Segment Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
QoQ YoY
Segment 4Q24 1Q25 2Q25 3Q25 4Q25 FY24 FY25
Corporate 431.4 426.0 435.8 450.7 518.2 15.0 20.1
Corp. Private & Blended Loan 7.9 7.4 7.3 7.2 7.1 7.7 7.2
317.6 309.7 314.6 327.7 336.3 2.6 5.9
Institutions
Corporate Corporate 7.0 6.5 6.5 6.4 6.2 6.8 6.4
113.8 116.3 121.2 122.9 181.9 48.0 59.9
SOE
Middle 7.5 8.2 7.9 7.7 7.6 7.7 7.8
Business Banking
Middle 109.9 103.9 105.4 119.7 131.8 10.1 19.9
Small 11.7 9.4 9.0 8.6 10.3 10.2 9.3
Enterprise 58.1 55.0 54.3 64.8 73.7 13.7 26.9
Consumer 9.1 8.4 8.2 8.3 8.2 8.6 8.2
Commercial 51.8 48.9 51.1 54.9 58.1 5.8 12.1
IDR Yield 8.5 7.8 7.7 7.5 7.5 8.1 7.6
Small 75.8 73.7 73.2 74.2 75.1 1.2 -0.9 FX Yield 6.0 5.8 5.8 5.7 5.7 6.1 5.7
Govt Subs
33.2 30.7 28.8 27.8 26.3 -5.6 -20.8
Loan (KUR)
SME Non-KUR 42.6 43.0 44.4 46.3 48.8 5.3 14.5
Loan Composition (IDR Tn)
Subtotal 617.1 603.6 614.5 644.6 725.1 12.5 17.5
Mortgage 66.5 67.6 68.4 69.8 72.7 4.1 9.3 775.9 765.5 778.7 812.2 899.5
Consumer
Personal Loan 58.0 59.3 60.1 61.4 63.5 3.4 9.6
120.0% 1,000.0
100.0%
2.1% 2.2% 2.2% 2.1% 2.0% 900.0
Credit Card 15.0 14.9 15.4 16.0 16.3 2.4 8.9 17.4%
18.4% 18.9% 18.9% 18.5% 8 00.0
9.8% 9.1% 8.3%
80.0%
Others 3.1 3.1 3.1 3.1 3.6 19.1 19.2 9.6% 9.4% 700.0
60.0%
14.2% 13.6% 13.5% 14.7% 14.7% 600.0
Subtotal 142.5 144.9 147.0 150.2 156.2 4.0 9.6 500.0
40.0%
Subsidiaries 16.2 16.9 17.2 17.4 18.3 5.1 12.7 55.6% 55.7% 56.0% 55.5% 57.6% 400.0
20.0%
300.0
Total Consolidated 775.9 765.5 778.7 812.2 899.5 10.8 15.9
0.0% 200.0
Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
Working Capital 451.8 437.2 442.9 462.8 474.0 2.4 4.9
Subsidiaries Consumer Small Medium Corporate
Investment Loan 177.1 178.6 184.5 194.8 265.1 36.1 49.7
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Rp 340.8 trillion loan disbursed in 4Q25, driven by top tier clients
QoQ Loan movement (IDR Tn) – bank only Top 3 industries contributing to QoQ Loan growth in Dec-25
340.8 250.7 3.6
Outstanding Increase (IDR Tn)
Corporate : 159.5 Tn
Middle : 145.8 Tn
Infrastructure 56.0 106%
Enterprise : 82.8 Tn
883.0
796.5 Commercial : 63.0 Tn Electricity, Gas & Water 8.9 27%
Small : 8.7 Tn
Consumer : 26.8 Tn 2.5 6%
Business Services
Sep-25 Disbursement Install/Paid-Off Write-Off Dec-25
YoY Loan movement (IDR Tn) – bank only Top 3 industries contributing to YoY Loan growth in Dec-25
630.5 15.4
767.4 630.5 Outstanding Increase (IDR Tn)
Corporate : 372.9 Tn
Infrastructure 63.3 139%
Middle : 267.4 Tn
Enterprise : 143.3 Tn 883.0 Electricity, Gas & Water 12.6 43%
761.6 Commercial : 124.1 Tn
Small Natural Resources 7.6 17%
: 36.2 Tn
Consumer : 90.9 Tn
Dec-24 Disbursement Install/Paid-Off Write-Off Dec-25
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Funding resilience in a competitive market dynamic
CASA +28.9% YoY Third Party Funds Composition
(IDR Tn) (IDR Tn)
Growth - %
805.5 819.6 899.9 934.3 1,040.8
120.0% 5
Segment Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
QoQ YoY
-5
100.0%
-15
CASA 563.3 577.8 647.6 613.4 726.0 18.4 28.9 80.0%
30.1% 29.5% 28.0% 34.4% 30.3% -25
-35
Current Account 305.7 320.0 381.6 344.5 439.5 27.6 43.8
31.5% 29.6% 27.5%
60.0%
32.0% 28.8%
-45
Saving Account 257.5 257.8 265.9 268.9 286.5 6.5 11.2 40.0% -55
42.4% 42.2%
-65
Time Deposit 242.2 241.8 252.3 320.9 314.9 -1.9 30.0 20.0%
38.0% 39.0% 36.9% -75
Third Party Funds 805.5 819.6 899.9 934.3 1,040.8 11.4 29.2 0.0% -8 5
Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
CASA Ratio 69.9% 70.5% 72.0% 65.6% 69.7% 4.1 -0.2
Current Account Saving Account Time Deposit
Cost of Third-Party Funds (%) – Bank Only MtD Cost of Third-Party Funds (%) – Bank Only
5.13 5.10
4.86 4.81 4.82 4.87 4.95
4.65
4.20 4.20 3.1%
3.97
2.9% 3.0%
3.32 3.41
2.93
2.8%
2.79 2.72 2.65 2.75 2.81
2.54 2.60
2.47 2.35 2.35 2.25
2.46 2.6%
1.75 1.87
2.07 2.82
2.48 2.53 2.62 2.57 2.74
2.4% 2.5%
2.37 2.44
1.46 1.38 1.40 2.09 2.22
1.80 1.77
1.38 1.40 1.52
1.33
1.00 1.06 1.13
0.61 0.63 0.67 0.76 0.80 0.93
0.58 0.56 0.61 0.58 0.56 0.72
0.55
1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 Nov-25 Dec-25
Current Account Saving Account Time Deposits Cost Of Third Party Fund MtD Cost of Third Party Funds (%)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
25
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
LCR and NSFR well above regulatory requirement (bank only)
Short-Term obligations have been well covered..... .... as well as for supporting long-term assets
250.1%
230.2%
215.3% 219.0%
203.4% 204.8%
193.1%
183.5%
174.1% 176.0%
167.4%
160.8% 160.4% 160.5%
155.9%
151.8% 164.1% 150.9%
144.2%
154.1% 155.1%
133.4% 145.3% 146.3%
126.1% 143.0% 142.1% 141.9%
124.2% 139.1% 137.2% 136.6% 137.8%
132.5%
Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
LCR (Liquidity Coverage Ratio) NSFR (Net Stable Funding Ratio)
LDR is also manageable, well within regulatory framework
112.6%
101.6%
103.9% 96.7% 100.5%
94.1% 95.1%
94.0% 96.2% 96.1% 94.3%
92.3%
89.5% 93.1%
89.7% 91.2% 90.9% 95.3% 94.9% 86.4%
85.2% 87.7% 87.4% 88.8% 89.0% 93.3%
95.0% 92.6% 86.9% 87.1%
90.1% 86.2%
84.2% 85.4% 85.2%
88.5% 89.8% 87.0%
85.8% 85.3% 86.4%
79.7% 85.8% 85.2%
82.5% 86.3%
82.0%
76.9% 77.5% 76.9%
75.2%
Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
IDR FX Blended
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
26
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Fee-based Income breakdown
Solid growth in Trading Activities Fee
Breakdown of Non-Interest Income
supported by favorable rate environment (IDR Bn)
(IDR Bn)
Bank-only
Fee-based Income FY24 FY25 YoY % 1Q25 2Q25 3Q25 4Q25 QoQ %
15,793 17,911
Consumer Banking 7,175 8,188 14.1 1,845 1,837 2,133 2,373 11.2 4,895 5,133
2,615
Account Maintenance 2,222 2,422 9.0 534 559 678 651 -4.0 3,874 4,009 685 815
1,969
554 912 3,993
ATM & e-Channel 1,549 1,754 13.3 401 405 439 509 15.8 561 1,264 3,120
829 988
Debit Card Maintenance 510 534 4.5 122 135 138 139 0.8
3,406 10,704 11,303
PPOB & Bill payment 389 405 4.2 85 98 100 123 22.4 2,946
2,483 2,468
Remittance 287 275 -4.3 72 62 67 73 8.6
Card Business, Bancass, etc 2,218 2,798 26.2 631 579 711 878 23.5 1Q25 2Q25 3Q25 4Q25 FY24 FY25
Other Fee Income Trading Activities Banking Activities
Business Banking 8,618 9,723 12.8 2,029 2,172 2,761 2,761 0.0
Trade Finance 1,110 728 -34.4 216 149 159 203 28.3
Key Fee Income growth contributors
Marketable securities 1,859 2,955 58.9 594 747 949 665 -29.9 (IDR Bn)
Bank-only
FX Trading, Revaluation &
1,261 1,039 -17.6 235 241 315 247 -21.5 Marketable Securities Syndication ATM & E-Channel
Derivatives
Pension Fund 227 247 8.8 57 62 64 64 0.6
13.3%
Syndication 1,005 1,265 25.9 174 128 361 601 66.6 58.9% 25.9%
Share Investment, Custody,
3,156 3,491 10.6 751 845 915 980 7.1
Coop Fee, Etc 1,754
2,955 1,549
Total Fee-based Income 1,265
(Bank Only)
15,793 17,911 13.4 3,874 4,009 4,895 5,133 4.9 1,005
1,859
Other Subsidiaries 831 550 -33.8 140 37 154 219 41.8
Total Fee-based Income
16,624 18,461 11.1 4,014 4,046 5,049 5,352 6.0 FY24 FY25 FY24 FY25 FY24 FY25
(Consolidated)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
27
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Variable remuneration & digitalization drove opex in 4Q25
Opex Composition Cost to Income and Cost to Asset ratio
(IDR Bn)
Bank-only
Operating Expenses FY24 FY25 YoY-% 1Q25 2Q25 3Q25 4Q25 QoQ-%
46.5%
44.2% 43.3% 44.6%
Personnel Expenses 13,848 14,590 5.4 3,274 3,291 3,917 4,107 4.9 42.6% 42.9%
Base Salary 4,526 4,736 4.6 1,194 1,190 1,178 1,173 -0.4
Other Allowance 5,126 5,353 4.4 902 904 1,728 1,820 5.3
Post Employee Benefits 3,007 3,289 9.4 926 928 723 712 -1.6
2.6% 2.5% 2.5% 2.5% 2.5% 2.5%
Training 201 192 -4.7 34 47 42 69 63.1
Subsidiaries 988 1,020 3.2 219 223 245 333 36.2 2020 2021 2022 2023 2024 2025
Digitalization & CIR Cost to Asset
1,769 2,112 19.3 502 439 505 666 31.9
Transactional
G&A Expenses 7,830 7,958 1.6 1,593 1,986 1,911 2,468 29.2
IT & Telecommunication 1,482 1,493 0.7 248 472 319 453 42.1 Quality over quantity
Occupancy Related 632 635 0.5 142 158 162 173 6.6
PERSONNEL EXPENSES NUMBER OF
Promotion 1,048 1,147 9.4 168 246 330 402 21.8
Headcount priority (IDR Bn) EMPLOYEE
Transport & Travel 237 278 17.1 50 77 59 92 56.4 toward business &
digital units
Goods, Prof. Services &
3,809 3,816 0.2 854 911 893 1,158 29.6
Others
Subsidiaries 622 589 -5.2 131 121 147 190 29.1
Result-oriented reward
Other Expenses 5,508 6,043 9.7 1,338 1,478 1,498 1,729 15.4 13,848
scheme calibration to 14,590 27,203 27,201
Other Subsidiaries* 157 154 -1.9 33 31 36 54 47.5
retain and attract top
talents
Total Operating Expenses 29,112 30,856 6.0 6,740 7,225 7,867 9,025 14.7
FY24 FY25 Dec-24 Dec-25
*Starting in 2025, BNI Life implemented IFRS 17 from previously IFRS 4
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
28
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Asset Quality
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
29
Page 31
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Strengthening risk discipline: portfolio improvements offset by selective consumer pressures
Loan at Risk Current Restructured Loan
(by segment & bank only) (by segment & bank only)
(IDR Tn) (IDR Tn)
89.0 91.4 88.2 85.4 78.6 81.7 83.8 82.9 74.8 40.5 39.7 38.9 36.4 34.4 33.6 38.3 38.7 35.3
12.9% 13.3% 12.3% 11.8% 10.3% 10.9% 11.0% 10.4% 8.5% 5.9% 5.8% 5.4% 5.0% 4.5% 4.5% 5.0% 4.9% 4.0%
8.7% 9.4% 9.6% 9.9% 10.9% 11.8% 11.9% 13.0% 13.4% 6.8% 6.9%
13.7% 7.5% 7.0% 7.2% 7.2% 8.1% 7.7% 7.0%
14.4% 13.7% 12.9% 11.2% 10.9% 9.6% 9.0% 8.5% 15.4% 13.4% 13.1% 9.9% 9.0% 7.4% 6.8% 6.3%
17.4%
21.4% 19.6% 19.8% 19.8% 19.6% 20.7% 20.8% 22.7% 16.1% 16.1% 19.3% 18.7% 23.2%
20.8% 18.5% 18.9% 17.3% 17.9%
56.2% 55.5% 57.1% 57.4% 58.1% 57.8% 57.8% 57.2% 55.5% 56.5% 58.7% 62.0% 61.9% 65.9% 67.2% 66.4% 67.6% 63.5%
Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
Corporate Medium Small Consumer LaR Corporate Medium Small Consumer Coll 1R
Special Mention Loan (Coll. 2) Non-Performing Loan (NPL)
by
(by Segment (IDRonly)
segment & bank Tn) (IDR Tn) by
(by Segment (IDRonly)
segment & bank Tn) (IDR Tn)
33.8 37.8 35.1 34.7 29.2 33.4 30.6 28.6 22.5 14.7 13.9 14.2 14.2 15.0 14.7 14.9 15.6 17.1
120.0%
4.9% 5.5% 4.9% 4.8% 2.1% 2.0% 2.0% 2.0% 2.0% 2.0% 2.0%
3.8% 4.5% 4.0% 1.9% 1.9%
3.6%
2.5% 100.0%
7.6% 9.3% 10.0% 10.6% 10.4% 12.2% 13.7% 14.7% 16.2% 14.9% 15.4% 18.3% 20.2% 21.1%
6.5% 14.8% 14.7% 24.6% 24.8%
10.0% 10.1% 8.4% 6.9% 8.1% 7.8% 7.6% 6.8% 80.0%
16.0% 14.8% 20.5% 23.3% 23.5% 23.4%
15.0% 16.4% 17.0% 15.4% 11.7% 22.6% 21.5% 18.8% 17.2% 15.2%
19.4% 21.7% 60.0%
41.5% 33.6% 31.2% 27.0% 24.2%
40.0% 41.8% 38.3% 37.1% 36.0%
70.0% 65.6% 63.5% 64.0% 67.9% 64.3% 66.8%
59.0% 55.9% 20.0%
28.0% 30.0% 33.2% 33.9%
23.3% 18.7% 20.7% 21.3% 24.1%
0.0%
Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
Corporate Medium Small Consumer SML Ratio Corporate Medium Small Consumer NPL Ratio
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Portfolio risk update: strengthening metrics, monitoring Consumer
(bank only)
Special Mention Loan - % Loan at Risk - %
Segment Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Segment Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
Corporate 5.6% 5.5% 4.6% 5.0% 4.1% 3.5% 2.9% Corporate 12.7% 12.2% 10.5% 11.0% 11.1% 10.5% 8.0%
Middle 5.4% 5.7% 3.9% 5.0% 5.6% 5.2% 2.0% Middle 16.3% 16.1% 14.2% 15.4% 16.5% 14.4% 12.9%
Small 4.4% 3.8% 2.6% 3.7% 3.3% 2.9% 2.0% Small 15.1% 14.2% 11.6% 12.0% 11.0% 10.1% 8.4%
Consumer 2.6% 2.7% 2.1% 2.8% 2.9% 2.8% 2.1% Consumer 6.3% 6.2% 6.0% 6.7% 6.8% 7.2% 6.4%
Total SML- % 4.9% 4.8% 3.8% 4.5% 4.0% 3.6% 2.5% Total LAR- % 12.3% 11.8% 10.3% 10.9% 11.0% 10.4% 8.5%
Total SML Total LAR
35,075 34,740 29,235 33,446 30,644 28,649 22,487 88,155 85,405 78,611 81,749 83,846 82,888 74,822
(IDR Bn) (IDR Bn)
Non-Performing Loan - % Write Off & Recovery
Segment Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 18,669
15,398
Corporate 1.0% 1.1% 0.7% 0.7% 1.1% 1.2% 0.8% 14,390
40.3% 11,778
Middle 4.5% 4.3% 5.2% 5.2% 3.8% 3.2% 4.7% 28.7%
36.0% 36.5%
33.2% 31.2%
7,947
Small 4.2% 4.3% 4.5% 4.3% 3.8% 3.6% 3.5%
6,189 5,614
5,174
Consumer 1.6% 1.6% 1.9% 2.0% 2.1% 2.6% 2.7% 3,670
2,764 2,279
1,114
Total NPL- % 2.0% 2.0% 2.0 2.0% 1.9% 2.0% 1.9%
Total NPL 2023 2024 1Q25 1H25 9M25 2025
14,163 14,244 14,985 14,698 14,859 15,586 17,079
(IDR Bn)
Write Off (Rp Bn) Recovery (Rp Bn) Recov. to Write Off Ratio
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Lower NPL & Write-Off reflect portfolio resilience
120.0%
77% of FY25 NPL formation came from 71% of the loan written off during FY25 came
client origination before 2022 120.0%
from client origination before 2022
5.5% 0.4% 0.6%
100.0%
100.0% 3.8%
7.1% 11.0%
Fintech paylater & credit card only Fintech paylater & credit card only
10.1%
13.4%
80.0%
8.1% 80.0%
11.3%
68.8%
IDR 17.5Tn
60.0%
FY25 NPL Formation 60.0%
59.9% IDR 15.4Tn
FY25 Write Off
-7.7% YoY
-17.5% YoY
40.0% 40.0%
20.0% 20.0%
0.0% 0.0%
Before 2021 2021 2022 2023 2024 2025 Before 2021 2021 2022 2023 2024 2025
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Conservative provisioning builds resilient reserves
Provisioning for Loan (IDR Tn) CoC by Segment
Segment 4Q-24 1Q-25 2Q-25 3Q-25 4Q-25 FY24 FY25
9.0
15.4 Corporate 1.6% -0.4% -0.6% 0.2% 0.5% -0.3% -0.1%
38.3 Prov Charges for 35.1 Middle 2.3% 1.1% 2.6% 2.1% 4.8% 2.6% 2.8%
22.9 loan (net*)
Small 2.8% 5.3% 4.5% 3.5% 3.5% 5.3% 4.2%
Consumer -0.2% 2.5% 3.0% 2.0% 0.9% 1.8% 2.1%
Loan Provision - Write Off 2025 Loan Provision - Provision Build Up Loan Provision -
Dec 2024 after write off Dec 2025
CoC % - Bank
1.5% 0.9% 1.0% 1.1% 1.5% 1.1% 1.2%
wide
*after deducting loan remedial IDR 3.2Tn
Assigned Loan Loss Reserve
Dec-24 Dec-25 by Coll & Stage
Dec-25 Dec-25
Collectability Stage
NPL % 2.0 1.9 Amount
LLR % Amount
LLR %
(IDR Tn) (IDR Tn)
Current – Normal 808.2 0.6 Stage 1 792.4 0.5
LaR 74.8 39.9
NPL Coverage % 255.8 205.5 Stage 2 64.9 23.2
Current Restructured 35.3 21.6 Stage 3 25.8 62.7
Collectability 2 (SML) 22.5 50.4 All Stage 883.0 4.0
LAR % 10.3 8.5 NPL 17.1 63.9
All Collectability 883.0 4.0
LAR Coverage % 48.8 46.9 Notes: Figures are on bank only basis.
1) LAR ratio = Special Mention loans + NPL + Total Current Restructured Loans
2) NPL Coverage Ratio = Allowance for Impairment Losses divided by NPL amount.
3) LAR Coverage Ratio = Allowance for Impairment Losses divided by LAR amount
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
LAR, NPL & Provision Coverage trend
LAR & LAR Coverage Ratio NPL & NPL Coverage Ratio
28.7% 4.3%
23.3% 3.7%
2.8%
16.0%
12.9% 2.2% 2.1%
10.9% 11.0% 2.0% 2.0% 1.9% 2.0% 1.9%
10.3% 10.4%
9.1% 8.5%
319%
53% 278%
256% 263%
49% 49% 47% 243%
47% 233% 223%
43% 42% 205%
182%
37%
34% 145%
27%
Avg 2017- Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Avg 2017- Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
2019 2019
LAR Coverage LAR Ratio NPL Coverage Ratio NPL ratio
Notes: Figures are on bank only basis.
1) LAR ratio = Special Mention loans + NPL + Total Current Restructured Loans
2) NPL Coverage Ratio = Allowance for Impairment Losses divided by NPL amount.
3) LAR Coverage Ratio = Allowance for Impairment Losses divided by LAR amount
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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Digital Initiatives
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
INITIATIVES
We’re exceeding on every customer touch points
We are aiming to enhance Mobile Banking
digital solutions for all Introduced on 9 Oct 2024
All key features have
customers’ needs, rather New Integrated Corporate Portal for been fully migrated to
Wholesale Solution
than focusing on a specific wondr by BNI
Trx Value No of Trx Trx Value
product. IDR 11,406 Tn 1,451 Mn IDR 1,198 Tn
▲ 26% yoy ▲ 14% yoy ▲ 5.2x growth yoy
Total No of Trx
Business Merchant Branchless Banking
1.34 Bn
E-Channel
▲ 5.5x growth yoy
900k+ Active Card 217k+ Agents
& QRIS merchant ▲ 2% yoy Has been continue to gain
ATM SMS Banking steady traction and
Acquiring Trx Value # Trx value # of Transaction encouraging users to do
IDR 146 Tn IDR 61.2 Tn 121.8 Mn transactions.
Trx Value No of Trx ▲ 29% yoy ▲ 18% yoy ▲ 53% yoy
13,396 ATMs IDR 3.4 Tn 725 Mn
▼ 60% yoy ▲ 6% yoy
TapCash BNI Open API
Trx Volume
Ecosystem
IDR 820 Tn
▲ 45% yoy Internet Banking All Mobile Banking Channel
14.7 mn cards
in circulations 2,000++ 280
No of Trx Trx Value No of Trx ▲ 8% yoy Partners API Services Total Trx Value Total No of Trx
917 Mn IDR 10.1 Tn 4.7 Mn Trx Value Best in class – open IDR 1,983 Tn 2.30 Bn
▼ 5% yoy ▼ 47% yoy ▼54% yoy IDR 3,424 Bn banking ecosystem ▲ 18% yoy ▲ 36% yoy
▲ 23% yoy digitalservices.bni.co.id
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
INITIATIVES
Driving the business of retail customers with the new breed of mobile banking
Mobile Banking users consistently
contribute to low-cost fund growth Growth User Base of wondr by BNI
wondr multicurrency
12% YoY Higher average balances
from new wondr users
support savings account 332%
growth.
193
172
12.1
10.5
8.6
6.8
5.3
Dec-24 Dec-25 2.8
Savings account balance in Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
mobile banking channel (IDR Tn)
Registered users wondr by BNI (in Mn)
Growth Transaction in all User Acquisition Growth via All
Mobile Banking channel Mobile Banking channel
International Design Award 2025 reddot winner 2025
45% YoY
The Most Innovated and Outstanding Banking Product and business
Creative Communication Transformation of The Year Model Category, Super 36% YoY
Strategy Apps wondr by BNI
2,565
69%
2,295
1,685 1,769
of active users in wondr
Ratings
Ratings transact more than 6x per
4.9/5.0 4.8/5.0 FY24 FY25 month
Dec-24 Dec-25
Transaction value in YtD New CIF acquisition
all mobile banking channel (IDR Tn) via mobile banking (thousand)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
INITIATIVES
1.4.0 is here to enable people to go global
From global transactions to smart investments, More features to come, driving growth in Saving Balance, Transactions and Global
wondr by BNI empowers users to bank seamlessly, Payments
anytime and anywhere.
wondr Multicurrency
12 Currencies Available
All Foreign Currencies dominated the
currency balance with IDR 288.95Bn out
of IDR 423.72Bn, while the number of
users increased by 23% to 50,460 users.
QRIS Cross Border
QRIS Cross Border
One payment solution for Indonesia,
Malaysia, Thailand, Singapore, and Japan Available in 4 countries
— fast, simple, and instantly
converted to IDR
Convert to installment & Card to
Cash
Installment
Empowers users with Convert to Card to Cash
(Transaction & Billing)
Installment and Card to Cash features,
delivering exceptional growth—Card to
Cash up 57x, with installment conversion Increase Limit Apply Credit Card
transactions and volume rising over 170%
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
INITIATIVES
Solid digital solutions for Business Banking clients
BNI Open API
digitalservices.bni.co.id
2023 Best Banking API Solution
BNI API 280 services (approved by Utilized by in Indonesia
regulator), the most compared to Indonesia Domestic
2.000++ partners Global
API Initiatives of
peers Recognition
The Year 2024
We Optimize All Three Possible Roles in Every Ecosystem Optimizing API to BNI’s Core
Operational
Presenting comprehensive Digitized stamp for contract Quick & Simple fund transfer
offer of the ecosystem Using partner’s platform as a Provides services to documents valued more than API provided by Bank
through a platform channel to sell bank’s partners so they can IDR 5 Million Indonesia
products potentiate their
products
Providing integrated holistic Partner with e-commerce, Smart & secure contract
solutions, such as BNI is one of 20 BI Fast
lifestyle companies to sell Customize bundled solutions stamps to prevent fraud
government, education, Sponsor Bank
funding and lending products into new products in
health, commerce collaboration with partners
POWERED BY* : POWERED BY :
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
INITIATIVES
Harnessing the power of integrated wholesale banking solution
BNIdirect Ample room for growth Number of Users (in 000)
24.8%
• Strong penetration rate in Corporate clients: 78% of total YoY
transaction value comes from Corporate Clients
261.8
• Corporate Clients’ transaction value increased by 31% YoY 209.8
Dec-24 Dec-25
Transaction Value (IDR Tn)
26.4%
YoY
11,406
9,025
Dec-24 Dec-25
Value Chain
Payment Management
Management
# of Transactions (in Mn)
receivables Open Banking Solution 14.0%
YoY
1,451
Liquidity Management
1,272
Dec-24 Dec-25
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
INITIATIVES
Branchless Banking
Empowering Agents with Solid Contribution to 28k+ Agents are in Frontier, Remote
Powerful Mobile Agent App Financial Inclusion and Disadvantaged Areas
9.7k
217K+ Agents 13.8k
+1.7% YoY 4.6k
S p re a d A c ro ss:
6.1 Thousand 35 Thousand Chargeable Transactions at Agents
Districts Villages
Continues to Increase as
Literacy Improves
85%
59% 56%
• Online Account • Cash Withdrawal and • Government 32%
Opening Deposit Subsidy 12% 14%
Plenty Bill payment • Money Transfer • Tax and Bill Payment • KUR Loan
User Friendly Services referrals 2020 2021 2022 2023 2024 2025
% chargeable transaction to total transaction in Agen46
Realtime Sharing Financial Report
Fee for Agents Transaction
# of Transactions at Agen46
More Additional Linked to BNI by Type
Features, Promo Digital Loan
& Information e-Form (KUR Micro)
Cash Withdrawal
Grocery store, bundled with all-in-one 19%
financial services of Agen46 27% Inquiry Saldo
Online Account
Opening, Cash • Increase Customer Traffic 5% BNI Transfer
Withdrawal & Deposit • Commission-based income for facilitated 121.7 Million
7%
transactions 2025
Cash Deposit
Others (Inc. Top Up E-Wallet, Interbank
42% Transfer)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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Business & Consumer
Banking
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
High quality growth on business banking
Growth (%) NPL (%)
Business Banking (IDR Tn) Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Comp (%)
QoQ YoY Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
Manufacturing 154.9 147.7 147.0 150.3 141.1 -6.2 -8.9 19.5 3.0 3.0 3.8 3.2 3.5
Trading, Restaurant & Hotel 111.6 109.3 107.1 118.0 121.2 2.7 8.7 16.7 3.5 3.3 3.1 3.6 3.9
Infrastructure 55.5 57.4 62.6 62.0 120.6 94.5 117.1 16.6 0.8 0.8 1.1 0.8 0.4
Transport, Warehouse &
61.6 55.5 60.9 62.8 66.4 5.8 7.8 9.2 2.6 2.8 1.9 1.8 1.8
Communications
Natural Resources 51.2 51.4 50.8 59.8 63.3 6.0 23.6 8.7 0.1 0.1 0.2 0.2 0.1
Business Services 50.9 55.2 53.8 54.5 60.0 10.2 17.9 8.3 1.1 1.3 0.8 0.6 1.0
Social Services 46.2 44.2 46.7 48.3 50.9 5.4 10.3 7.0 0.5 0.2 0.2 0.5 0.6
Agriculture 48.0 45.6 46.1 48.3 50.7 5.1 5.6 7.0 1.7 1.7 0.7 0.7 1.0
Electricity, Gas & Water 31.5 33.0 34.2 35.5 44.4 25.2 40.9 6.1 0.1 0.1 0.0 0.0 0.0
Others 5.7 4.2 5.3 5.2 6.4 22.8 11.3 0.9 0.9 1.3 2.6 2.5 2.0
Total 617.1 603.7 614.5 644.6 725.1 12.5 17.5 100.0 2.0 2.0 1.9 1.8 1.8
Manufacturing Trading, Restaurant, Hotel Infrastructure
150.0 10.0%
118.0 121.2 120.6
154.9 130.0
109.3
10.0%
147.7 147.0 150.3 141.1 110.0
111.6 107.1 120.0
100.0
90.0
3.9% 55.5 62.5 62.0
80.0
3.5% 3.3% 3.6%
5.0%
57.4
70.0
3.1%
5.0%
60.0
3.0% 3.8% 3.2% 3.5%
3.0%
50.0
40.0
0.8% 0.8% 1.1% 0.8%
30.0 20.0
0.4%
-
0.0%
0.0%
10.0
Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
Amount NPL Amount NPL Amount NPL
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Consumer business
Product Growth Comp NPL (%) NPL Movement - %
Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
(IDR Tn) YoY (%) Dec-24 Dec-25
3.5 3.6
Mortgage 66.5 67.6 68.4 69.8 72.7 9.3% 46.5 2.6 3.6
2.9 3.0 3.6
2.6 2.6 2.6
Personal Loan 58.0 59.3 60.1 61.4 63.6 9.6% 40.7 1.0 1.4 3.1
2.2 2.3
1.8 2.4 2.5 2.5
Payroll Loan 54.4 55.6 56.6 58.2 60.1 10.5% 38.5 1.0 1.4 1.7 1.7 1.8
1.3 1.4
Fintech Paylater 3.6 3.7 3.5 3.2 3.5 -4.1% 2.2 1.1 2.1 1.0 1.0 1.0
0.8 0.8 0.8 0.8
Credit Card 15.0 14.9 15.4 16.0 16.3 8.9% 10.5 2.4 3.6
Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
Others 3.0 3.1 3.1 3.1 3.6 19.2% 2.3 0.8 3.4 Mortgage Personal Loan Credit Card
Total 142.5 144.9 147.0 150.2 156.2 9.6% 100.0 1.9 2.7
Personal Loan Debtors
Ample Room for Growth of Payroll Loan
Composition Dec-25
10.0%
5,591 4.6%
5,336
5,080 379
4,669 372 35.1%
4,494
11.7%
365
IDR 63.6 Tn
358
352
38.6%
Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
Number of Payroll Account [Thousand] Number of Payroll Loan Account [Thousand] Government Related SOE Private Companies Universities Others
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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ESG
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Sustainability pillars: building long-term value
BNI’s Sustainability Pillars integrate ESG priorities into our strategy
to strengthen performance, resilience, and long-term shareholder value.
Vision To become a leading financial institution in sustainable service and performance
Aspiration & ESG Blueprint
Target Net Zero Emission (NZE) Target
Pillar Sustainable Finance Corporate Sustainability Inclusion & Resilience
1 Development of sustainable financing, 1 Energy and emissions management to 1 Strengthening financial inclusion and
funding and programs across all segments achieve Net Zero Emission (NZE) targets literacy, as well as community
empowerment in sustainable business
practices
Strategy
Internalization of National and Development of programs to support
2 2 sustainable operational practices
2
& International ESG Standards Acting as a strategic partner for debtors
in their transition toward sustainable
Initiatives Increased transparency and accountability Strengthening employee capabilities in
3 3 business practices
of sustainability practices implementing ESG
4 Strengthening cyber security & customer 3 Nature & biodiversity preservation
data protection
Enabler Governance, People, IT & Data Infrastructure
People
Short Term Focus (2024-2025) Medium Term Focus (2025-2026) Long Term Focus (≥2027)
ESG Implementation of climate change risk
• Strengthening infrastructure • Strengthening debtors’ Risk Acceptance Criteria (RAC)
• Establishing Net Zero Emission • Strengthening infrastructure for climate change risk management management in bank operations
Roadmap
roadmap and Carbon Budget • Strengthening Board’s engagement on ESG
• Optimizing data loss prevention
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Driving sustainable impact and climate risk resilience
First Mover and Consistently Taking a Role in Shaping Strengthening Climate Resilience
Sustainable Practices Through CRST Implementation
• Reinforcement of GHG reduction commitment with an NZE roadmap
targeting operational NZE by 2028 and financing NZE by 2060. BNI supports the OJK’s launch of
• Integrating ESG risk management into Risk Acceptance Criteria (RAC)
CRMS (Climate Risk Management
across various industry sectors. & Scenario Analysis) as part of its
Demonstrating commitment to Indonesia’s NZE
• Adapting International ESG Reporting Standards (GRI, SASB, SUSBA,
continuous 2060 and alignment with IFRS S1
ACGS).
progress and S2.
• BNI holds a single A MSCI ESG Rating, highlighting its strong
governance standards, sound business ethics, and enhanced
management of ESG-related risks in credit underwriting. The bank
also maintains a Medium Risk classification under the Sustainalytics KEY INITIATIVES
ESG Risk Rating..
❑ Regulatory-Aligned Framework
• Green financing enhancement, achieving approximately 10% of the
bank’s total loans
Commitment to CRMS is built on OJK and NGFS standards, strengthening
• Implementing the Indonesian Sustainable Finance Taxonomy (TKBI) governance and risk oversight.
participate in for borrowers in the energy sector.
the green ❑ Portfolio-Wide Stress Testing
• Strengthening ESG aspects on the Risk Acceptance Criteria (RAC) by
transition &
adding aspects of human rights and occupational health & safety, as
climate action well as mitigation and climate change adaptation in borrowers’ CRST in place since 2024, assessing physical and transition
operations. risks to earnings and capital.
• Enlarging RAC coverage from 18 sectors to 22 sectors. ❑ 100% Coverage Achieved
Full assessment of productive loans and mortgages
• Respectable Good Corporate Governance practices.
completed by August 2025.
Responsible • Fair operating, human rights, and labor practices.
Business • Zero data breach with high standard of customer data privacy and ❑ Sector Risk Insights
Operations security protection.
Electricity and gas are the most vulnerable sectors;
• Zero tolerance for fraud and financial crimes. agriculture, forestry, and fisheries face notable physical risks.
• Effective CSR Program.
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
BNI's Green Bond: 100% proceed allocation, measurable environmental benefits
Environmental &
Green Bond Framework Use of Proceeds
Social Impacts
As the first Rupiah-denominated green bond, BNI 100% Categories Environmental Impact Alignment with SDGs
established a Green Bond Framework and obtained
a Second-Party Opinion (SPO) from Sustainalytics.
1 , 6 2 6 , 6 6 6 (tC O 2 e q / ye a r)
Proceeds are exclusively allocated to finance/
As of Dec-24, 100% of Av o id e d G H G Em issio n p e r y e a r
refinance "Eligible Green Projects" in line with Green 1 , 7 7 1 , 8 3 3 (M W h/ ye a r)
green bond proceeds
Bond Principles and meeting at least one of the
have been allocated to En e rg y p ro d u c e d p e r y e a r
specified environmental categories:
projects selected through
Renewable Energy Sustainable IDR 5.0Tn BNI’s criteria and reviewed 2 3 , 74 1 (tC O 2 e q / ye a r)
Transportation by the ESG Committee. Av o id e d G H G Em issio n p e r y e a r
Energy Efficiency
Climate Change 34 1,019 Gj
Adaptation En e rg y s av in g p e r ye a r
Waste to Energy and
Waste Management Sustainable Water
and Wastewater
Sustainable Natural Management 7, 8 6 9 (tC O 2 e q / ye a r)
Resources and Land Av o id e d G H G Em issio n p e r y e a r
Use Sustainable BNI Green Bond Distribution
Agriculture
Terrestrial and Aquatic 18% 2 4 9,9 76 (tC O 2 e q / ye a r)
Biodiversity Conservation Green Buildings 1.7% 5.6% Sectoral distribution of the Av o id e d G H G Em issio n p e r y e a r
6.1% proceeds
1 , 5 4 3 , 0 9 0 (T o n n e / y e a r)
Summary of 2022 Green Bond Issuance IDR 4.4Tn Renewable Energy
To ta l w a ste re c yc le d
13% 40.2%
IDR 5 tn IDR 5.0Tn 53% Sustainable Transportation 6 2 6 , 3 4 2 (tC O 2 e q / ye a r)
Total A Series: 3 years Term 6.35% amount of IDR 4tn (100% of procced) Avo id e d G H G Em issio n p e r y e a r
Issuance 8%
B Series: 5 years Term 6.85% amount of IDR 1tn Green Building 5 5 , 8 9 9 ( Tre e s)
8% To ta l tre e s p la n te d in refo re sta tio n
p ro je c ts
Rating idAAA (PEFINDO) 46.5%
Waste to Energy and Waste
Management 3 1 4 , 3 8 7 (H a)
Sustainable Natural To ta l h e c ta re s p ro te c te d a n d /o r c e rtifi e d
Maturity A Series : June 21, 2025
Resources & Land Use
Date B Series : June 21, 2027
*) BNI Green Bond Report 2025 can be accessed on https://www.bni.co.id/Portals/1/BNI/Perusahaan/ESG/Docs/Report-Green-Bond-BNI-2025-EN.pdf
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Sustainability Bond at work: turning proceeds into progress
Issuance Structure Eligible Project Sectors
Green Projects (30% of Allocation)
Amount IDR 5.0 Tn
Renewable Energy Sustainable
Series A : 3 years Transportation
Tenure 16.9%
Series B : 5 years Energy Efficiency Climate Change
Adaptation
IdAAA by
Waste to Energy and Sustainable Natural
Rating PT Pemeringkat Efek Sustainable Water
Waste Management Resources and Land
Indonesia and Wastewater IDR 1.5Tn Use
Management Sustainable
Sustainable Natural
Collateral Clean basis Transportation
Resources and Land Green Buildings
Use
Series A : 6.60%
Coupon Terrestrial and Aquatic 83.1%
Series B : 6.65%
Biodiversity Conservation
Coupon Payment Quarterly (30/360)
Social Projects (70% of Allocation)
0.1%
0.4%
Bond Framework 9.1% Access to Essential
Basic Infrastructure MSME Financing Services - Disability
Confirmed by Sustainalytics as credible and impactful, fully Services Facility
aligned with ICMA and ASEAN Sustainability Bond standards. 15.1% Access to Essential
Essential Services Affordable Housing Services - Hospital
Access
IDR 3.5Tn Affordable Basic
Infrastructure Services in
Socioeconomic Remote Area - Toll Road
Project Food Security & Enhancement & Affordable Housing
Use of Management Reporting &
Proceeds
Evaluation &
of Proceeds Disclosure Sustainable Food System Empowerment
Selection 75.3%
Food Security and
Sustainable Food
Systems
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Promoting Sustainability Linked Loan (SLL) on top of Sustainable Portfolio
Sustainable portfolio* IDR 197 Tn or 22% of total loan (bank only)
consists of socioeconomic empowerment and green financing First Sustainability-Linked Loans (SLL) are gaining more interest
Sosioeconomic Advancement & Environmentally sustainable
Empowerment Loan disbursement SPT (Sustainable
management of living natural Sector
under SLL scheme Performance Target)
IDR 118.8 Tn resources and land use
Financing and empowerment
program towards micro & SME
IDR 41.4 Tn Agrifood Minimizing the impact
Manufacture of water pollution
Renewable Energy Others
(Sustainable water and
IDR 11.7 Tn wastewater management, etc.)
Cement Achieving specific
Financing to hydro, solar &
biogas power plant IDR 23.9 Tn Manufacture CO2 emissions
Pollution Prevention
IDR 1.0 Tn Steel ~ USD Improvement of ESG
scoring on annual basis
Manufacture
* Sustainable portfolio is loan to business sectors that meet The Sustainable Business Activities Category (KKUB)
requirements by OJK 399 Mn
Robust 5-Year Growth in Green Loans, Surpassing 20%
in total* Reducing emissions,
Packaging recycling resin and gender
Manufacture equality
5-year CAGR
22%
Reducing GHG emissions,
Coal-Derivative increasing employee
59.7 73.4 78.0 Manufacture training program
55.4 67.9
29.5
113.8 117.0 123.2 113.2 117.1 118.8
Reducing GHG emission
Petrochemical intensity across refinery
Industry and chemical operations
Dec 20 Dec 21 Dec 22 Dec 23 Dec 24 Dec 25
Social Green (IDR Tn)
* USD 1 eqv IDR 16,590
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Sector guides of responsible financing
BNI Credit Policy Agriculture – Palm Oil Coal
The palm oil sector guide applies to all palm oil plantations, crude palm oil mills, palm oil refiners, and traders The coal financing guide applies to coal mining and its supporting
No Exposure in business (trader and heavy equipment suppliers)
Obligations to fulfill a mandatory business permits: Plantation Business Permit (IUP), Cultivation
Financing to coal mining is strictly for Top Tier Corporates with good
Prohibited by the Business License (IUP-B), Plantation Business Registration (IUP-P), Plantation Business
ESG practices
government Registration (SPUP)
Legal requirement for the debtor’s business to have an
We require new palm oil debtors to have RSPO or ISPO, and request customers to achieve full Environmental Impact Analysis (AMDAL)
Illegal logging RSPO certification within a timeframe in order to expand their target market.
Debtors have at least a Blue PROPER (Environmental Performance
Forced labor, child
Rating) from the Ministry of Environment Life and Forestry
exploitation, human For Middle segment, requirement for ISPO is applied as affirmative covenant. the fulfilment of
rights violation which will be monitored regularly by RM and become subject to periodic internal audit Debtors agree to comply with the loan agreement clause that they
will comply with all applicable environmental regulations and
required documentations. The failure to satisfy it will impact loan
Violating the rights of continuity
local community Committed to implementing the No Deforestation, No Peat, and No Exploitation (NDPE) policy
Have strategies to reduce negative impacts on the environment
and social
Destroying world
heritage sites Have strategies to reduce negative impacts on the environment and social
There is no forced labor or employment of minors
Narcotics productions
% PALM OIL PORTFOLIO % COAL TO TOTAL LOAN COAL LOAN BREAKDOWN
& trading % PALM OIL TO TOTAL LOAN PALM OIL LOAN BREAKDOWN
WITH RSPO AND / OR ISPO* (BANK ONLY)
(BANK ONLY) 2.6%
Weapons 4.2%
7.6%
24%
0.03%
Gambling 33.2% 0.8%
& money laundering
Politically Exposed
Person (PEP) 66.0%
76%
92.4% 95.8% 97.4%
Trading protected
Coal Mining & Coal Related
animals Coal Others Trading Manufacture
Refinery & Palm Oil RSPO and/ or ISPO Certified
Palm Oil Others Plantation Trading Briquette
Mill In the certification process Industry
* sustainable portfolio is loan to business sectors that meet the requirements of The Sustainable Business Activities Category (KKUB) of OJK
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Best-in-class governance becomes corporate priority
Top Management Good Corporate Governance practices
The Board of Commissioners
Whistleblowing System
3 out of 6 are independent commissioners
Protection of minority
shareholders and
17% (1 out of 6) BOC are female
initiatives to foster their
Audit Risk Monitoring involvement
Committee Committee
All Committees under BOC are chaired by
an independent commissioner Predicate as a “Leadership in
Nomination &
Remuneration
Integrated
Governance
ISO 37001:2016 Corporate Governance”
Committee Committee Concerning Anti Bribery Based on the 2025 ASEAN Corporate Governance
Management System Scorecard (ACGS) standard from the Indonesia Institute
for Corporate Directorship (IICD),
All BOD members are independent from
The Board of Directors the controlling shareholder
Respectful Working Place
BNI has issued regulation in the company
BNI fosters and supports the principles of diversity, equality and non-discrimination guideline regarding the implementation of
Respectful Workplace (RWP) which aims to
BNI Code of Ethics create a safe comfortable work environment,
Annual Declaration
respect and protect human dignity prioritize
23% (3 out of 13) BOD are female Training/Socialization
mutual respect, free from discrimination,
exclusion or restrictions, bullying and
harassment and various form of violence, both
BOD distribution by age by Dec-25 mental, and physical for all employees
23% 38.5% 38.5%
<50 years old 50 - 55 >55 years old
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Embodying sustainability culture
Employee Diversity Product/ Services with Environmental Impact
3,472 units of ATM BNI UMKM Ramah Lingkungan
for Disabilities (BUMI)
Equipped with voice services and BNI encourages MSMEs to be more green
braille to help people with visual and in their operational. As of Dec-2025, BNI
Women Men physical disabilities has distributed IDR 39.0 Bn to 157 MSMEs
Gender 52% 48% in the craft industry sector.
BNI WWF Affinity Card
Cardholders can participate in funding
25-29 35-40 >50
conservation activities through a BNI Jejak Kopi Khatulistiwa (JKK)
18% 26% 8%
sharing fee of 0.4% from each retail Aiming to boost financial inclusion, build
transaction. a green economy ecosystem and
Age prepare coffee farmers for global market
sInce 2025, BNI has distributed IDR 74.9
BNI Amex Vibe Card Bn to 493 coffee farmers.
Targeting youth segment,
<25 30-34 41-50 With card using recycled materials
3% 22% 21%
Empowering Women in Top Management Green Office Culture
• Green Building Certification by the Green Building Council Indonesia (GBCI) with
Women Men Gold Certification for Menara BNI and Platinum Certification for Plaza BNI, as well as
Gender Green Building LEED Certification on progress for BNI Building in PIK2.
31% 69%
• Wastewater management systems have been implemented in the headquarters,
Note: including wastewater recycling into flushing and water plants.
1. Top Management defines as AVP, VP, SVP, EVP, and SEVP Level. • Implementing Magnetic bearing technology on the cooling system in Plaza BNI and
Grha BNI.
2. All figures stated as of Dec 2025 with the total number of full-time
• 76 unit solar panel installation for the emergency exit in Plaza BNI and BNI Building
employees: 27,201. PIK2.
3. The recruitment, compensation, and career advancement policies of • Adopting a paperless office administration system (E-Office)
the bank make no distinctions based on ethnicity, religion, race,
gender, or physical disability.
• Green campaign through various media
United Nations Environment
Association Programme Finance Initiatives
Indonesia Sustainable Finance
Initiatives (IKBI)
Indonesia Business Council for
Sustainable Development (IBCSD)
Indonesia Green Building
Council (GBCI)
Himpunan Bank
Indonesia Human
Capital Forum (FHCI)
membership (UNEP FI)
Member
Founder/Member Founder/Member Member
Milik Negara
Member
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
As a systemic bank, BNI put heavy emphasis on IT & Digital Risk Management
Establishment of CISO IT Security Governance IT & Digital Risk Management
(Chief Information Security Officer) Centers on Three Pillars Framework
▪ Security Policy
Information GOVERNANCE PROTECTION OPERATION ▪ Security Awareness to employees & customers
Technology ▪ Attack Simulation to employees
Director
▪ Dedicated Cybersecurity Staff
PEOPLE
SEVP IT
▪ Security Assessment
Security Multi-layer 24x7 Security ▪ Cybersecurity Operation & Threat Management
IT Strategy & Wholesale defense Operation
awareness ▪ Penetration Testing & Vulnerability Assessment
Architecture Digital Delivery mechanism Center (SOC)
Information ▪ Threat Intelligence
security Penetration Threat PROCESS
Retail Digital provisions testing intelligence
CISO
Delivery
Organizational Incident User access Cybersecurity & Data Protections
capabilities management management Multi-layer security on the infrastructure and network
Application & forensics
AI & Big Data Development (firewall, IPS, WAF, Database Monitoring, multisite
Analytics datacenter, DRC), application (Multi-factor Authentication,
IT Application TECHNOLOGY Encryption, Secure Software Development Life Cycle,
Mobile Application Protection), end-point protection (Data
SORX* Services
Loss Prevention, Endpoint Detection & Response, Antivirus,
Technology,
Digital & Hardening, USB Port blocking) and secure data
Operations IT Infrastructure transmission mechanism (data encryption, secured Global
Management
File Exchange system, Secure File Transfer Protocol/SFTP,
*) SORX: Senior Operational Risk Executive
Virtual Private Network/VPN, Secure Hypertext Transfer
Protocol/HTTPs) to protect the customer data from cyber
threat.
Collaborating with official state bodies (BI, Standard & Best Practice
OJK and BSSN), security device principals
User Access Management
and other communities to obtain information Identity access management (IAM), Single-sign on (SSO),
on threats and weaknesses, the latest Privileged access management (PAM), Active directory for
technology and products, as well as support end-point access security.
Strategic Partner
when incidents occur
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
BNI launches Indonesia’s first ESG Advisory Playbook
As the first bank in Indonesia to have an advisory playbook, this underscores BNI's commitment
to continue being a partner to debtors and supporting Indonesia's transition to the NDC 2060
target or sooner.
The playbook was developed through a Focus Group Discussion (FGD) on October 30, 2025,
involving various parties.
Input from stakeholders is a crucial foundation for ensuring the playbook is practical, relevant,
and capable of addressing the real challenges facing the palm oil industry in the field.
Background Priority Sectors for Implementation BNI
Through the ESG Advisory Program, BNI acts as a strategic partner to Advisory Program
its borrowers in strengthening the integration and transition of ESG
principles into their operational activities. This initiative is driver is driven Electricity
Agriculture & Forestry Mining & Quarrying Manufacture
by the following consideration: (Sub Sector Coal
(Sub Sector Palm Oil) (Coal Mining) (Metal Processing)
Fired Power Plant)
As a key financial institution, BNI plays a strategic role in Construction Transportation &
aligning capital allocation with national decarbonization (Highway Storage
pathways, Indonesia’s Enhanced Nationally Determined Construction) (Water
Contribution (Enhanced NDC). Transportation)
BNI ESG Advisory Program is designed to bridge this gap by
enabling banks to act as strategic partners, supporting BNI ESG Advisory Activity
debtors in identifying several materials
Choosing ESG Preparation of the
The ESG Advisory Program also aims to strengthen BNI’s ESG Maturity Transition Steps Transition Advisory
ESG Transition
position as a trusted partner to its customer by actively Assessment based on ESG Assistance
Roadmap
supporting their transition journey. Maturity Assessment
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
External Recognition of Our Best-in-Class ESG Practices
Greenship Award 2025 (Green Asia Sustainability Reporting
MSCI ESG Rating Sustainalytics Building Council Indonesia) Awards (ASRA) 2024
MSCI ESG Risk Rating Ranking
ESG INDUSTRY
A 21.3
GROUP
323 out of 1,026
Banks
RATINGS
Medium
Risk
UNIVERSE
CCC B BB BBB A AA AAA Negl Low Med. High Severe Global 4,744 out of 14,744
0-10 10-20 30-40 Universe Best GREENSHIP New
20-30 40+
Asia’s Best Sustainability
Building for Plaza BNI –
Last Report: Report - Bronze
Last Update: Platinum
25 June 2025 30 July 2025 5 December 2025 6 March 2025
Corporate Governance ASEAN Corporate
SRI (KEHATI) Index Constituent IDX ESG Leader Index
Perception Index (CGPI) Award Governance Scorecard MSME Ministry Award
of Sustainable Investment 1 of 30 Public Company Listed
2025 (ACGS) 2025
INDONESIAN
BIODIVERSITY
FOUNDATION
IDX ESG star-listed companies:
https://esg.idx.co.id/ ASEAN Asset Class 2025 Appreciation for BNI as
Leadership in Enterpreneur Hub Collaborator
Period: Period: The Most Trusted Company Corporate Governance Through Xpora Platform
December 2025 – May 2026 December 2025 – May 2026 25 November 2025 15 September 2025 1 December 2025
*Based on the 2022 ASEAN Corporate Governance Scorecard (ACGS) standard from the Indonesia Institute for Corporate Directorship (IICD)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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About BNI
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Board of Commissioner (BoC)
OMAR SJAWALDY ANWAR TEDI BHARATA
PRESIDENT COMMISSIONER/INDEPENDENT COMMISSIONER VICE PRESIDENT COMMISSIONER
▪ Executive Chairman, IBM Indonesia Technology ▪ Deputy Head, State-Owned Enterprises Regulatory Body
(2023 – present) (BP BUMN) (2025 – present)
▪ President Director, Prudential Syariah Life Assurance ▪ Deputy for Human Resources, Technology, and Information,
(2021 – 2023) Ministry of State-Owned Enterprises (2021 – 2025)
▪ President Director, Aberdeen Standard Investments Indonesia ▪ Commissioner, Bank Mandiri (Persero) Tbk. (2024 – 2025)
(2018 – 2021)
DIDIK JUNAIDI RACHBINI VERA FEBYANTHY DONNY HUTABARAT
INDEPENDENT COMMISSIONER INDEPENDENT COMMISSIONER COMMISSIONER
▪ Rector, Paramadina University ▪ Member of Commission XI of the House of ▪ Head of the Financial Market Development
(2021 – present) Representatives of the Republic of Indonesia Department, Bank Indonesia (2020 – 2025)
▪ Chairman of the Supervisory Board, (2019 – 2024 term) ▪ Member of the Market Committee of the
Foundation for Economic and Financial ▪ Member of Commission XI of the House of Bank for International Settlements (MC-BIS)
Development Institute (LPEK) INDEF Representatives of the Republic of Indonesia (2020 – 2025)
(1996 – present) (2009 – 2014 term) ▪ Head of Bank Indonesia London
▪ Chairman of the Executive Board, Lembaga Representative Office, Bank Indonesia
Penelitian, Pendidikan dan Penerangan (2017 – 2020)
Ekonomi dan Sosial (LP3ES) (2018 – 2022)
FEBRIO NATHAN KACARIBU
COMMISSIONER*
▪ Director General of Economics and Fiscal Strategy,
Ministry of Finance (2025 – present)
▪ Commisioner of PT Pupuk Indonesia (Persero)
(2020 – present)
▪ Head of the Fiscal Policy Agency at the Ministry of
Finance (2020 – 2025)
Note:
*Effective upon OJK Fit & Proper Test Approval
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Board of Director (BoD)
PUTRAMA WAHJU SETYAWAN ALEXANDRA ASKANDAR
President Director (CEO) Deputy President Director
▪ Deputy President Director, ▪ Deputy President Director, Bank Mandiri (2020 – 2025)
Bank Negara Indonesia (2024 – 2025) ▪ Corporate Banking Director, Bank Mandiri (2019 – 2020)
▪ Retail Banking Director, ▪ Institutional Banking Director, Bank Mandiri (2018 – 2019)
Bank Negara Indonesia (2023 – 2024)
▪ Treasury Director, Bank Negara Indonesia (2022 – 2023)
HUSSEIN PAOLO KARTADJOEMENA AGUNG PRABOWO ABU SANTOSA SUDRADJAT
Finance & Strategy Director (CFO) Corporate Banking Director Treasury & International Bankingrector
▪ Digital and Integrated Transaction Banking Director, ▪ Wholesale and International Banking Director, ▪ SEVP International Banking & Financial Institutions,
Bank Negara Indonesia (2024 – 2025) Bank Negara Indonesia (2024 – 2025) Bank Mandiri (2024 – 2025)
▪ President Commissioner, Hibank Indonesia (2023 – 2024) ▪ President Director, BNI Sekuritas (2021 – 2024) ▪ GM Overseas & Singapore Branch,
▪ SEVP Corporate Development & Transformation, ▪ Managing Director, UBS Investment Bank (2013 – 2021) Bank Mandiri (2020 – 2024)
Bank Negara Indonesia (2020 – 2024) ▪ Group Head Treasury, Bank Mandiri (2019 – 2020)
DAVID PIRZADA EKO SETYO NUGROHO RIAN ERIANA KASLAN
Risk Management Director Institutional Banking Director Network and Retail Funding Director
▪ SEVP Wholesale Risk, Bank Mandiri (2018 – 2020) ▪ Finance & Risk Management Director, ▪ SEVP Retail Digital Solution,
▪ Country Chief Risk Officer, Pupuk Iskandar Muda (2023 – 2025) Bank Negara Indonesia (2021 – 2025)
Bank of Tokyo Mitsubishi UFJ, Jakarta (2015 – 2018) ▪ Head of Distribution Network & Sales Division, ▪ President Commissioner,
▪ Head of Risk Administration Department, The Bank Bank Negara Indonesia (2022) PT BNI Modal Ventura (2022 – 2024)
of Tokyo Mitsubishi UFJ Ltd (2010) ▪ Head of Regional Office 14, Bank Negara Indonesia (2021) ▪ EVP Head of Digital Strategy & Delivery,
Commonwealth Bank Indonesia (2006 – 2021)
RONNY VENIR CORINA LEYLA KARNALIES MUHAMMAD IQBAL
Operations Director Consumer Banking Director Commercial Banking Director
▪ Network and Services Director, ▪ Retail Banking Director, Bank Negara Indonesia (2024 – 2025) ▪ SME and Retail Funding Director,
Bank Negara Indonesia (2020 – 2025) ▪ Digital & Integrated Transaction Banking Director, Bank Tabungan Negara (2024 – 2025)
▪ SEVP Network, Bank Negara Indonesia (2019 – 2020) Bank Negara Indonesia (2023 – 2024) ▪ Institutional Banking Director,
▪ SEVP Middle Business, Bank Negara Indonesia ▪ Consumer Banking Director, Bank Negara Indonesia (2023 – 2024)
(2018 – 2019) Bank Negara Indonesia (2020 – 2023) ▪ Enterprise & Commercial Banking Director,
Bank Negara Indonesia (2022 – 2023)
TOTO PRASETIO MUNADI HERLAMBANG
Information Technology Director Human Capital & Compliance Director
▪ Technology and Operations Director, ▪ Institutional Banking Director,
Bank Negara Indonesia (2023 – 2025) Bank Negara Indonesia (2024 – 2025)
▪ SEVP Information Technology, Bank Mandiri (2019 – 2022) ▪ Institutional Relations Director, Jasa Raharja (2021 – 2024)
▪ Group Head IT Application Support, ▪ Finance, Human Capital & Risk Management Director, Wijaya
Bank Mandiri (2017 – 2019) Karya Bitumen (2019 – 2021)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Network and Distribution
Commercial Business Retail Productive Consumer Loan Outlets
Branchless Banking ATM Employees
Center (CMC) Business Center (RCC) Processing Center (LNC) (KC, KCP, KK*)
2025 217,013 2025 13,396 2025 20 2025 26 2025 12 2025 1,776 2025 27,201
2024 213,370 2024 13,388 2024 20 2024 26 2024 12 2024 1,780 2024 27,203
2023 185,697 2023 13,390 2023 19 2023 26 2023 12 2023 1,781 2023 27,570
2022 164,979 2022 16,125 2022 23 2022 27 2022 12 2022 1,808 2022 27,170
2021 157,632 2021 16,385 2021 23 2021 27 2021 12 2021 1,854 2021 27,177
Overseas Offices
Singapore Nov 1955
BNI has also entered into key Hongkong Apr 1963
arrangements with prominent companies Tokyo Sep 1969
for payment channelling, financing, loan New York Apr 1983
London Apr 1984
distribution, and network/outlet Osaka Dec 2012
development Seoul Feb 2016
Amsterdam May 2022
Sydney Sep 2024
Individual Customer Highlights Corporate/SME Customer Highlights
74.0 million
25.6million
2.0
million
256,856 262,008
Business Banking
617
Corporate Debtors
2,418
Middle Loan
258,973
Small Loan
Debtors *Including overseas debtors Debtors Debtors
Mortgage
Funding Accounts Regular Saving Accounts Credit Cards Customers
*As per POJK No.12/POJK.03/2021, KK is registered as KCP
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
E-Banking (bank only)
Mobile Banking is set to become Expanding the network of banking services
the dominant banking channel for customers to unbanked people through Agen46
E-Channel 2023 2024 2025 YoY Branchless Banking 2023 2024 2025 YoY
wondr and BNI Mobile Banking # Agent 185,697 213,370 217,013 2%
#User (Th) 10,812 23,433 29,716 27% Agent Fund (IDR Bn) 3,653 4,818 7,052 46%
434 1,684 2,295 36% #Trx (Mn) 85.49 79.35 121.75 53%
#Trx (Mn)
Volume (IDR Tn) 59.91 51.97 61.19 18%
Volume (IDR Tn) 615 1,676 1,983 18%
#Pandai Account (Th) 20,021 20,178 21,191 5%
SMS Banking
Pandai Fund (IDR Bn) 1,119 1,124 888 -21%
#User (Th) 12,258 12,695 12,448 -2%
#Trx (Mn) 704 688 725 6%
Reliable transaction platform
Volume (IDR Tn) 29 9 3 -60% to support the cashless society
Internet Banking Electronic Money &
2023 2024 2025 YoY
Acquiring
#User (Th) 2,129 2,217 2,228 -1%
BNI Tap Cash
#Trx (Mn) 23 10 5 -54%
#Card (Th) 11,948 13,633 14,752 8%
Volume (IDR Tn) 57 19 10 -47% #Trx (Mn) 93 116 142 23%
ATM Volume (IDR Bn) 2,259 2,779 3,424 23%
Acquiring (EDC + QRIS + Online Merchant)
#Trx (Mn) 1,533 969 917 -5%
#Trx (Mn) 270 459 667 45%
Volume (IDR Tn) 560 567 820 45%
Volume (IDR Tn) 89 113 146 29%
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
A one-stop shop for lifetime finance and business needs
Investment
Insurance Securities Venture Capital
Manager
60.0% 75.0% 99.9% 99.9%
% BNI Ownership % BNI Ownership % BNI Ownership (through BNI Sekuritas) % BNI Ownership
Empowering customer with Life Insurance Services Respected investment banking and securities brokerage Strong Value Proposition as an Investment Manager that Catalyst between BNI's business groups and start-ups.
services focuses on index mutual funds, environmentally friendly
and fixed income.
Large customer base for Top Product
Bancassurance and Brokerage and Investment Banking drive BNI Sekuritas’ Obtained OJK license
Life Insurance with Founded on April
Employee Benefits business. performance amid highly challenging and volatile markets. on January 2023
Endowment Benefit 2022
2% 0.4% (Solusi Series, Hy
End Pro, and Steady
Protection) Revenue Mix Rank
#9 #2
Asset Under Market share of
#5
Bancassurance
32% Others Management Index Mutual Fund
Employee Benefit 15% 25%
Composition
of GWP Agency
Dec-25
65%
Alternative Dist.
#8 48% 31%
45%
Investment
Banking
Investment
Banking 4.6% 31
36%
Brokerage Revenue AUM Market Share APERD Partnership
FY24 FY25
SME Digital Bank Consumer Finance
63.9% 99.9%
% BNI Ownership
Preparing an SME-Focused Digital Bank as Long-Term Growth Engine for The Group New car financing franchise, emerges as a market contender
18 May 2022 Number of Clients Loan Portfolio Mix (%) Financing Portofolio Mix Total Asset
▼7.3% YoY
Officially acquired PT
Bank Mayora ~1.2 M CIF
32% 73% (Rp6.0 T → Rp5.6 T)
(Dec’24) (Dec’25)
17 May 2023 Dec-25 Dec-25
Total Deposit Total Loan LaR (Rp3.9 T)
Rebranding as hibank
▼12.4% YoY (Rp1.4 T) Total Financing
to support the vision of ▲50% YoY ▲22% YoY 68% ▲0.07% YoY Dealer Partnership
becoming Indonesia's (Rp12.6 T → Rp19.0 T) (Rp10.6 T → Rp12.9 T) (2.2% → 2.3%)
27% ▲22.0% YoY
▼5.2% YoY
Leading MSME Digital
Bank. (Dec’24) (Dec’25) (Dec’24) (Dec’25) (Dec’24) (Dec’25)
1,400 Dealer (Rp5.7 T → Rp5.4 T)
SME Non SME Commercial Consumer (Dec’24) (Dec’25)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Subsidiaries contribution to BNI Group
Group Structure Total Asset (IDR Tn) PPOP (IDR Bn)
63.9 868.9 825.3
53.4
LIFE VENTURE
MULTIFINANCE SECURITIES REMITTANCE BANK
INSURANCE CAPITAL
1983 1995 1996 1996 2022** 2022
99.99% 75.00% 60.00% 100.00% 63.92% 99.98% 2024 2025* 2024 2025*
FBI Synergy Total Subs
Net Profit (IDR Bn)
(IDR Bn) Contribution (IDR Bn)
ASSET
SECURITIES
MANAGEMEN
T
2011 2021
99.90% 100.00%
Year of Shares ownership 491.7 476.8 2,587.1 2,448.6
establishment 407.5
Note: as of February 2021, the financial summary (report) is excluded BNI Syariah as a
consolidated calculation. 146.4
** Year of acquisition
2024 2025* 2024 2025* 2024 2025*
Note:
- *) Data Unaudited
- Total Contribution consist of Net Profit +Fee Income + Share Investments
- Fee Income : Contribution of subsidiaries which is directly recorded as FBI in BNI (parent company)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Subsidiaries highlighted performances
BNI Securities
BNI Life Insurance** Consolidated BNI Finance
85.9 2.8 18.0
4.5
409.9 416.2
393.8 70.9 -11.2
333.8 348.9 2,849
279.7 41.7 -102.2
11.2 19.1
30,631 10.8 6,050
24,964 26,922
2,424 5,642
1,968 3,789
851 -260.1
6,361 5,682 6,047 1,172 1,301 1,340 834 574
2023 2024 2025* 2023 2024 2025* 2023 2024 2025*
hibank BNI Ventures
130.2 131.8
12.3
7.9
50.1
4.0 541
17,799 24,064
528
14,599 524
516
511 508
4,470 4,599 4,676
2023 2024 2025*
2023 2024 2025*
Note:
- *) Data Unaudited Asset (IDR Bn) Equity (IDR Bn) EAT (IDR Bn) FBI contribution to BNI (IDR Bn)
- **) Data 2024 & 2025 using IFRS 17
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Capital Ratios are well above minimum requirement (bank only)
21.4%
22.3%
21.1% 21.1%
1.4% 20.7%
1.4% 1.3% 1.3%
1.4% 1.2%
1.4% 1.4% 1.4%
1.3%
13.95%
REGULATORY (starting from Mar-25)
REQUIREMENT
2.5%
19.5%
13.80% 18.6% 18.4% 18.5% (Capital Conservation
18.2%
Min. CAR based on Buffer)
Risk Profile + add
buffers 1.5%
(valid until Feb-25) (Capital Surcharge
on Systemic Bank)
9.95%
9.80 % CAR based on Risk
CAR based on Risk Profile
Profile
(valid until Feb-25) (starting from Mar-25)
Dec 24 Mar 25 Jun 25 Sep 25 Dec 25
CET 1 AT 1 Tier 2 CAR
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
BASEL 3 Capital requirement and BNI Capital realization
2023 2024 2025 BBNI Capital Realization
BBNI Capital Realization Dec-23 Dec-24 Dec-25
Add On based on Bank's Risk Profile 1.80% 1.80% 1.95%
Common Equity Tier I Capital (%)
Minimum Requirement 10.3 10.3 10.5
BNI Realization 18.8 18.6 18.2
Minimum Common Equity Tier 1 Capital 4.50% 4.50% 4.50% Tier I Capital (%)
Minimum Requirement 11.8 11.8 12.0
BNI Realization 20.2 20.0 19.4
Total CAR Based on Risk Profile
Tier 1 Capital Minimum 6.00% 6.00% 6.00%
+ Add Buffers (%)
1. BNI Risk Profile (Rating 2 Sound) 9.8 9.8 10.0
2. Capital Conservation Buffer 2.5 2.5 2.5
Capital Conservation Buffer 2.50% 2.50% 2.50% 3. Countercyclical Buffer 0 0 0
4. Capital Surcharge 1.5 1.5 1.5
Minimum Requirement (%) 13.8 13.8 14.0
Countercyclical Buffer CAR BNI Realization (%) 22.0 21.4 20.7
0.00% 0.00% 0.00%
(Applied to all bank)
Capital Surcharge Risk Weighted Asset (Bank Only – IDR Tn)
1.50% 1.50% 1.50%
(Bank with systemic risk)
Risk Weighted Asset
Dec-23 Dec-24 Dec-25
Minimum Common Equity Tier 1 (Bank Only – IDR Tn)
10.30% 10.30% 10.45%
+ Risk Profile + Additional Buffers RWA - Credit Risk 609.2 660.2 748.3
RWA - Market Risk 2.8 14.2 11.2
Minimum Tier 1 Capital based on RWA - Operational Risk 35.0 37.4 40.4
11.80% 11.80% 11.95%
Risk Profile + Additional Buffers Total RWA 647.0 711.8 799.9
Total Capital 142.0 152.3 165.6
Minimum CAR + Risk Profile CAR - % 22.0 21.4 20.7
13.80% 13.80% 13.95%
+ Additional Buffers
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Breakdown Yield Earning Asset & Interest Bearing Liabilities (bank only)
2024 2025 Growth YoY
Breakdown Earning Asset
Amt (IDR Tn) Yield Amt (IDR Tn) Yield Amt (%) Yield
Loan 761.6 7.7% 883.0 7.2% 15.9% -0.4%
Non Loan 224.7 5.7% 287.8 5.2% 28.1% -0.6%
Marketable Securities 160.7 4.5% 199.3 4.3% 24.0% -0.2%
Placement 34.3 4.0% 55.5 3.5% 61.6% -0.5%
Acceptance and other receivables 29.7 14.0% 33.0 14.6% 11.3% 0.5%
Total Earning Assets 986.3 7.2% 1,170.9 6.7% 18.7% -0.5%
2024 2025 Growth YoY
Breakdown Interest Bearing Liabilities
Amt (IDR Tn) CoF Amt (IDR Tn) CoF Amt (%) CoF
Third Party Fund 792.7 2.7% 1,021.9 2.7% 28.9% 0.0%
Current Account 301.5 2.6% 433.7 2.5% 43.9% -0.1%
Savings 256.7 0.7% 285.7 1.0% 11.3% 0.3%
Time Deposit 234.5 4.8% 302.5 4.8% 29.0% -0.1%
Borrowings & Repo 55.4 7.6% 43.4 5.9% -21.6% -1.6%
MS Issued 30.7 4.7% 32.7 4.9% 6.3% 0.2%
Total Interest Bearing Liabilities 878.8 3.4% 1,098.0 3.3% 24.9% -0.1%
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
BNI Shares & Rating
Historical Share Price Performance
BNI Shares & Rating Market Cap Movement & PBV
Versus JCI – YoY Trend
37% 200
Long Term Foreign Currency BBB 172
162 163
22%
Long Term Local Currency BBB/Stable 17% 126
Short Term Foreign Currency 9% 10% 115
Fitch F2 4% 6% 1.40
1% 1.33
Rating Viability Rating bbb- 1.04 1.06
-3% 0.99 0.98
National Long Term Rating AAA/Stable -5%
National Short Term Rating
F1+ -21% -19%
2020 2021 2022 2023 2024 2025
2020 2021 2022 2023 2024 2025
Outlook Stable BBNI Share Price - 1Y (%) JCI - 1Y (%) Market Cap (IDR Tn) PBV (x)
Long Term Foreign Issuer Credit BBB
Standard
Long Term Local Issuer Credit BBB
& Poor's
Short Term Foreign Issuer Credit A-2
Diversified Shareholder Base
Short Term Local Issuer Credit A-2
10%
Retail Geographical distribution of
Outlook Stable Breakdown of shares ownership
free float shares (as of Dec-25)
Foreign Long Term Bank Deposits Baa2
Ownerships Dec-25
Local Long Term Bank Deposits Baa2 35.2% Indonesia
Moody's Government of Indonesia
Baseline Credit Assessment Baa3 0.0% 40% 23.7% UK & Europe
(1 share of Series A Dwiwarna)
Adjusted Baseline Credit Assessment Free Float
Baa3 PT Danantara Asset Management 19.7% US & Canada
Counterparty Risk Assessment 60.0% Shares
Baa2/p-2 (Persero)
7.5% Rest of Asia
Public - Domestic 14.1%
5.7% Singapore
90%
Pefindo Corporate Rating AAA/Stable Public - Foreign 25.9% 8.2% Rest of The World
Institutions
▪ Issued shares 37,297,312,916 shares
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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5 Years Financial Data
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
5 Years financial data (1/2)
Consolidated Balance Sheet (IDR Bn) 2021 2022 2023 2024* 2025
Total Assets 964,838 1,029,837 1,086,664 1,130,129 1,362,055
Placement with other banks & BI 92,290 51,569 43,794 17,076 33,780
Marketable Securities [market value] 26,053 28,556 37,408 48,534 63,017
Government Bonds [market value] 111,430 121,291 127,100 132,072 163,513
Loans (gross) 582,436 646,188 695,085 775,872 899,531
Third Party Funds 729,169 769,269 810,730 805,511 1,040,834
Deposit from other banks 14,377 15,245 11,894 18,548 11,563
Marketable Securities Issued 18,751 22,110 21,822 30,674 32,593
Borrowings 32,458 35,654 30,950 42,931 39,040
Shareholders’ Equity 126,520 140,198 154,733 166,548 176,339
Consolidated Profit or Loss (IDR Bn) 2021 2022 2023 2024* 2025
Interest Income 50,026 54,659 61,472 66,583 69,394
Interest Expense (11,779) (13,338) (20,196) (26,103) (29,061)
Net Interest Income 38,247 41,321 41,276 40,480 40,333
Premium Income Net 1,399 1,552 1,659 766 743
Fee Based Income 13,639 14,820 14,783 16,624 18,461
Recovery 2,581 3,780 5,030 6,025 5,439
Operating Income 55,865 61,472 62,747 63,896 64,976
Operating Expense (24,801) (27,059) (27,778) (29,112) (30,856)
Pre-Provision Income (PPOP) 31,064 34,413 34,970 34,783 34,120
Provisioning Charges (18,298) (11,514) (9,196) (8,211) (9,724)
Non-Operational Inc/(Exp) (216) (212) (134) (4) 2
Net Income 10,898 18,312 20,909 21,464 20,041
*2024 results have been restated following the implementation of IFRS 17, impacting line items Total Assets, Shareholders’ Equity, Fee Based Income, Operating Expense, and PPOP
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
5 Years financial data (2/2)
Financial Ratios (%) 2021 2022 2023 2024 2025
LOAN Growth [Consolidated] 5.3 10.9 7.6 11.6 15.9
CASA Ratio [Consolidated] 69.4 72.4 71.2 69.9 69.7
CASA Growth [Consolidated] 9.0 10.1 3.6 -2.5 28.9
CAPITAL
Shareholders’ equity to total asset 13.1 13.6 14.2 14.6 13.0
Tier I - CAR (include operational risk) 17.7 17.5 20.2 20.0 19.4
Tier II - CAR (include operational risk) 2.0 1.8 1.7 1.4 1.2
Total CAR (credit,market + operational risk) 19.7 19.3 22.0 21.4 20.7
ASSET QUALITY
Net Non-Performing Loan 0.9 0.5 0.6 0.7 0.7
Gross Non-Performing Loan 3.7 2.8 2.1 2.0 1.9
Credit Cost 3.3 1.9 1.4 1.1 1.2
NPL Coverage 233.4 278.3 319.0 255.8 205.5
RENTABILITY
Pre-Tax ROAA 1.4 2.5 2.6 2.5 2.1
ROAE* 9.4 14.9 15.2 14.2 12.7
Net Interest Margin 4.7 4.8 4.6 4.2 3.8
EFFICIENCY
Cost to Income Ratio 43.3 42.6 42.9 44.6 46.5
LIQUIDITY
Loan to Deposit Ratio 79.7 84.2 85.8 96.1 86.4
DIVIDEND
Dividend Payout Ratio [%] 25.0 40.0 50.0 65.0 TBA
All ratios are bank only, unless stated otherwise
*ROAE with average total equity as denominator ; 14.0% in FY25 if the denominator is Tier 1 Capital as reported to OJK
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Equity research contact details
NO BROKERAGE ANALYST EMAIL
1 Autonomous Ivan Ng ivan.ng@bernsteinsg.com
2 Bahana Securities Razqi M. Kurniawan razqi.Kurniawan@bahana.co.id
3 BCA Securities Andre Benas andre.benas@bcasekuritas.co.id
4 CGS International Handy Noverdanius handy.noverdanius@cgsi.com
5 Ciptadana Securities Erni M Siahaan Siahaanerni@ciptadana.com
6 Citi Investment Research Ferry Wong Ferry.wong@citi.com
7 CLSA Sarina Lesmina Sarina.Lesmina@clsa.com
8 Danareksa Securities Victor Stefano Victor.stefano@brids.co.id
9 DBS Bank Rui Wen Lim ruiwenlim@dbs.com
10 Goldman Sachs Melissa Kuang Melissa.kuang@gs.com
11 HSBC Singapore Weldon SNG Weldon.sng@hsbc.com.sg
12 Indo Premier Securities Jovent Muliadi Jovent.muliadi@ipc.co.id
13 JP Morgan Harsh Wardhan Modi Harsh.w.modi@jpmorgan.com
14 KB Valbury Securities Akhmad Nurcahyadi Akhmad.nurcahyadi@kbvalbury.com
15 Macquarie Jayden Vantarakis Jayden.vantarakis@macquarie.com
16 Mandiri Securities Kresna Hutabarat Kresna.hutabarat@mandirisek.co.id
17 Maybank Kim Eng Securities Jeffrosenberg Chenlim Jeffrosenberg.lim@maybank.com
18 Mirae Asset Securities Robertus Yanuar Hardy Robertus.hardy@miraeasset.co.id
19 MNC Securities Victoria Venny Victoria.nawang@mncgroup.com
20 Morgan Stanley Selvie Jusman Selvie.Jusman@morganstanley.com
21 Nomura Verdhana Raymond Kosasih Raymond.kosasih@verdhana.id
22 RHB Securities Andrey Wijaya Andrey.wijaya@rhbgroup.com
23 Samuel Securities Suria Dharma Suria.dharma@samuel.co.id
24 Sucor Securities Edward Lowis Edward.lowis@sucorsekuritas.com
25 Trimegah Securities Jonathan Gunawan jonathan.gunawan@trimegah.com
26 UOB Kay Hian Posmarito Pakpahan posmarito@uobkayhian.com
27 UBS Joshua Tanja Joshua.tanja@ubs.com
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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PT. Bank Negara Indonesia (Persero) Tbk.
Investor Relations Division
Grha BNI Building, 21st Floor
Jl Jend Sudirman kav. 1 Jakarta 10220
T: 62-21-5728314
E: ir@bni.co.id
Disclaimer
This presentation has been prepared by PT. Bank Negara Indonesia (Persero) Tbk (the “Company”) for information purposes only. No
representation or warranty, express or implied, is given by or on behalf of the Company (BNI nor any of its subsidiaries, its affiliates, directors,
commissioners, employees and representatives) as to the accuracy, correctness, reasonableness or completeness of the information or opinions
contained in this presentation.
The presentation does not constitute or form part of an offer, solicitation or invitation of any offer, to buy or subscribe for any securities, nor
should it or any part of it form the basis of, or be relied in any connection with, any contract, investment decision or commitment whatsoever.
The Company (BNI nor its subsidiaries, its affiliates, directors, commissioners, employees and representatives) does not accept any liability
whatsoever for any loss however arising from any use of this presentation or their contents or otherwise arising in connection therewith
(whether written or verbal communication).
Forward Looking Statements
Some of the information in this presentation may contain projections or other forward-looking statements regarding future events or the future
financial performance of the Company. These forward-looking statements include all matters that are not historical facts. They are subject to
known and unknown risks and uncertainties and can be affected by other factors that could cause actual results to differ materially from those
expressed or implied in the forward-looking statements. The Company undertakes no obligation to revise or update any forward-looking
statement contained within this presentations, regardless of whatever those statements are affected as a result of new information, future
events or otherwise.
Rounding
Please note that rounding differences may appear throughout the presentation.
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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Thank You
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
74
Names mentioned 43 people and organisations named in the text · linked when the evidence is strong
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Bank Indonesia
p.2 ×71
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PT Pemeringkat Efek
p.50
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org
Ministry of Environment Life and Forestry
p.52
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Bank Indonesia Human Capital Forum
p.54
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Founder
· Member
p.54
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—
BoC
· Commissioner
p.59
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org
Ministry of State-Owned Enterprises
p.59
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Bank Indonesia London
p.59
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org
Bank Indonesia Penelitian
p.59
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org
Ministry of Finance
p.59 ×2
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BoD
· Director
p.60
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—
CEO
· President Director
p.60
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CFO
· Director
p.60
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person
Institutional Banking
· Director
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org
PT BNI Modal Ventura
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Tokyo Mitsubishi UFJ Ltd
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Commercial Banking
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PT Bank Mayora
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