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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
1H26
CORPORATE PRESENTATION
PT Bank Negara Indonesia (Persero), Tbk.
Jakarta – 5 August 2026
1 | 1H26 Corporate Presentation | 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
◎ 01 | Management Highlights 03
◎ 02 | Macroeconomic Highlights 10
◎ 03 | Financial Highlights 22
Highlighted Results 23
Balance Sheet Highlight 25
Profit or Loss 26
Loan Composition 27
Loan Disbursement 28
Third Party Fund 29
Liquidity (LCR, NSFR & LDR Ratios) 30
Table of Contents Fee-Based Income (FBI)
Operating Expense (OPEX)
◎ 04 | Asset Quality
31
32
33
Loan at Risk 34
LAR by Segment, Write Off & Recovery 35
NPL Formation & Write Off Vintage 36
Sufficient Provisioning in line with risk appetite 37
LAR, NPL & Provision Coverage trend 38
◎ 05 | Business & Consumer Banking 39
◎ 06 | Digital Initiatives 42
◎ 07 | ESG 49
◎ 08 | About BNI 61
◎ 09 | 5 Years Financial Data 73
2 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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01 | Management Highlights
◎ Solid Core Profit
04
◎ Solid Core Profit 04
◎ Diversified Growth Engine
05
◎ Diversified Growth Engine 05
◎ Asset Quality Strength
06
◎ Asset Quality Strength 06
◎ Branch Transformation Digital Engagement
07
◎ Branch Transformation & Digital Engagement 07
◎ Higher-rate environment has started to impact our funding costs
◎ Higher-rate environment has started to impact our
08
08
funding costs
◎ FY 2026 Aspiration
09
◎ FY 2026 Aspiration 09
3 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 3
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Record 1H26 core profit, broad-based across income streams
All-time high 1H core profit (PPOP) … … powered by both interest and fee income growth
+14.2%
YoY
+14.5% +5.0%
YoY +1.5% YoY +2.3%
-7.4%
YoY YoY
+0.3% YoY
+6.8%
YoY YoY 22.3
-5.0%
19.6 20.6
-1.7% 19.1 19.5
YoY
YoY
1H22 1H23 1H24 1H25 1H26
Consolidated Net Interest Income (NII) – IDR Tn
18.5
17.2 17.3 +14.2%
16.4 16.2 +11.0% +11.8% +1.9% YoY
-8.2% YoY
YoY YoY
YoY
7.8 7.9 9.0
7.6 6.9
1H22 1H23 1H24 1H25 1H26 1H22 1H23 1H24 1H25 1H26
Consolidated PPOP – IDR Tn Consolidated Fee-Based Income (FBI) – IDR Tn
4 | 1H26 Corporate Presentation | 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-leading growth driven by diversified growth engine
Strategic net expansion Beyond lending:
driven by BNI’s core segments capturing the full wholesale relationship …
Wholesale* Segment
Third Party Fee Income Profit Before
Δ IDR 190Tn Fund Growth Growth Tax Growth
Net Loan expansion 9.0 Tn 17.4 Tn +39% +24% +23%
21.6 Tn
+24.4% 0.5 Tn YoY YoY YoY
30.3 TnYoY
55.0 Tn
56.1 Tn Δ 178.6 Tn Δ 0.4 Tn Δ 1.5 Tn
Jun-26 1H26 1H26
*The Wholesale segment comprises the Corporate & Enterprise segments
Corporate SOE 968.5 Tn
21.6 941.7 Tn 950.7 Tn
excl.
889.8 Tn Agrinas*
... even more in Enterprise segment
834.8 Tn
778.7 Tn 778.7 Tn
56.1 55.0 Enterprise Segment
Corporate Private CASA Fee Income Profit Before
Growth Growth Tax Growth
30.3 +172% +292% +92%
13.8
YoY YoY YoY
9.0
3.6
Jun-25 Enterprise
Enterprise Agrinas Loan*
Corporate
CorporateConsumer Commercial Retail
excl. Commercial Small Jun-26 Δ 26.1 Tn Δ 0.3 Tn Δ 0.6 Tn
Loan * excl.Agrinas* (Small &
Agrinas* Consumer)
*Government program Loan with sovereign exposure Jun-26 1H26 1H26
5 | 1H26 Corporate Presentation | 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
Asset quality strength, backed by conservative provisioning
Sound asset quality Prudent provisioning supports sustainable earnings
Bank-Only Bank-Only
LaR Improvement Prudent Credit Cost Reflects Disciplined Risk Management
Stable NPL
-291bps YoY
+16bps 1.12% Guidance
1.0% - 1.2%
11.0% 0.96% YoY
1.9% 1.9%
8.1%
Jun-25 Jun-26 Jun-25 Jun-26 1H25 1H26
Loan at Risk (LaR) Non-Performing Loan (NPL) Credit Cost (CoC)
Bank-Only Consolidated
…underpinned by well-provisioned buffers …and supports sustainable profit growth
+6.6% 10.8 Tn
3.8% 10.1 Tn YoY
3.6%
Avg Peers BNI Jun-26
May-26
Loan Loss Reserve (LLR) to Loan 1H25 1H26
Consolidated Net Profit - IDR
6 | 1H26 Corporate Presentation | 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
Transforming branch networks and digital engagement to drive growth
BRAVE: From pilot to nationwide transformation Scaling digital ecosystems to drive CASA growth
Branch Region Area Value Empowerment
We launched BRAVE as a part of our corporate transformation to enhance our
outlets into business-driven hubs with main objectives as follow…
76%
YoY Growth 54%
(6.5mn users)
✓ Transforming outlets into ✓ Strengthening outlet accountability
business-driven units with dedicated P&L
15.1
Mn
6.5mn
▲ Users YoY
+43% YoY
8.6 Growth in
Mn
✓ Empowering outlets & ✓ Reinforcing frontliner and branch 46% Savings from
employees to drive business processes to achieve zero fraud Jun-26 Jun-26 wondr users
New to Bank
# of registered users
Existing to Bank
Starting with two regional offices to pilot the initiatives,
now fully implemented across the nation to drive more business…
Piloting in two
regional offices +21% +17% +14%
YoY YoY YoY
Oct-25 Jan-26 Jul-26
Official kick off Nation-wide
Implementation 280
Th
6,039
Tn
789
Mn
+50% YoY
The Objectives Growth in avg. balance
Higher branch & Current Account
Healthy loan growth Jun-26 1H-26 1H-26
sub-branch productivity from BNIdirect users
Transaction Value
# of users # of transactions
- IDR
Stronger CASA Franchise Market share gain
7 | 1H26 Corporate Presentation | 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
Higher-rate environment has started to impact our funding costs
Higher SRBI yields to support
Higher for longer rate expectations
BI’s pro-stability stance
7.70
YE2026 Fed Funds Rate Projection
6.19
4.00% 5.50
3.75% 3.75% 4.82 4.92
3.25%
1,073
783 731 831
709
Dec-25 Mar-26 Apr-26
FFR Jun-26 Bloomberg Implied Rate Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
SRBI Ownership (IDR Tn) SRBI 1Y Rate EoM (%)
Source: Bloomberg Source: BI
Industry LDR has elevated above 90%, BNI Cost of Third Party Funds has been
surpassing last year's level creeping up progressively
QTD Cost of Third Party Funds MTD Cost of Third Party Funds
2.93%
2.67% 2.67%
91.7% 2.63%
86.4% 86.1% 85.4% 2.55%
84.6% 2.49%
2.46%
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 3Q25 4Q25 1Q26 2Q26 Apr-26 May-26 Jun-26
Banking Industry LDR BNI Cost of Third Party Funds
Source: OJK, BI
8 | 1H26 Corporate Presentation | 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
FY 2026 Aspiration
NIM aspiration revised to reflect 2Q26 deposit competition; loan growth and credit cost aspirations reaffirmed
FY26 Initial Aspiration 1H26 Realization FY26 New Aspiration
Loan 24.4% YoY
8.0 - 10.0% YoY 8.0 - 10.0% YoY
Growth
consolidated
7.7% YtD (No changes)
Net
Interest 3.5 - 3.8% 3.6% 3.3 - 3.5%
Margin (New aspiration)
bank only
Credit
Cost 1.0 - 1.2% 1.12% 1.0 - 1.2%
bank only (No changes)
9 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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02 | Macroeconomic Highlights 10 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 10
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Middle East geopolitical tension have re-escalated
The geopolitical risk could rebound after re-
escalation of Middle-East tension
Feb 28 – War begins 375 Geopolitical Risk Index
331
US-Israel strike Iran, Khamenei killed 325 319
275
Mar 4 – Iran closes Hormuz 225
Oil exports collapse sharply
175 173.6
Apr 8 – Temporary ceasefire 125
Two weeks, strained by Lebanon strikes 75
25
Apr 12 – Islamabad talks fail
Sep-25
Sep-15
Sep-16
Sep-17
Sep-18
Sep-19
Sep-20
Sep-21
Sep-22
Sep-23
Sep-24
Jun-15
Dec-15
Mar-16
Jun-16
Dec-16
Mar-17
Jun-17
Dec-17
Mar-18
Jun-18
Dec-18
Mar-19
Jun-19
Dec-19
Mar-20
Jun-20
Dec-20
Mar-21
Jun-21
Dec-21
Mar-22
Jun-22
Dec-22
Mar-23
Jun-23
Dec-23
Mar-24
Jun-24
Dec-24
Mar-25
Jun-25
Dec-25
Mar-26
Jun-26
-25
Highest-level talks yield no deal
Source: Bloomberg, BNI OCE
Apr 13 – US blockade begins
Highest-level talks yield no deal
Therefore, the oil price has started to rebound
Jun 17 – MOU signed
Trump-Pezeshkian at Versailles
Jun 18 – Blockade lifted
Hormuz reopens, volumes rise
Jul 8 – Ceasefire collapses
Iran hits ships, US strikes back
Jul 13-14 – Blockade restored
US strikes Iran 4 days running
Source: Bloomberg, BNI OCE Source: Bloomberg BNI OCE
11 | 1H26 Corporate Presentation | 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
Global supply disruption pushed inflation higher, which drove central banks to be more hawkish
Inflations across countries have increased due to The inflationary pressure has pushed central banks
global supply disruption amid Middle-East conflict to tighten their monetary policy
Source: Bloomberg, BNI OCE
Market projects FFR increasing to 4.00%
by end of 2026
Source: Bloomberg, BNI OCE Source: Bloomberg, BNI OCE
12 | 1H26 Corporate Presentation | 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
Such development brought global economy to potential mild stagflation
The IMF projects global growth to slow Global growth is also forecasted to be weaker in the
amid rising cost-push inflation medium-term due to China’s structural issues
IMF WEO Apr-2026 IMF WEO Jul-2026 Global Economic Growth (%)
Projection Projection 8
6
GDP Growth % 2025 2026F 2027F 2026F 2027F
Pre-COVID avg: 3.7
4 Post-COVID avg: 3.1
World GDP 3.5 3.1 3.2 3.0 3.4
2
Advanced Economies 1.9 1.8 1.7 1.7 1.8 5.3 4.1 3.4 3.4 3.6 3.4 3.2 3.8 3.6 3.0 6.7 3.8 3.3 3.4 3.4 3.1 3.0 3.4 3.2 3.1
0
United States 2.1 2.3 2.1 2.3 2.2 -2.7
-2
Euro Area 1.4 1.1 1.2 0.9 1.2
-4
2011
2025
2010
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2026
2027
2028
2029
2030
Japan 1.1 0.7 0.6 0.6 0.7
United Kingdom 1.4 0.8 1.3 1.0 1.3
Emerging Market and China Economic Growth (%)
4.5 3.9 4.2 3.8 4.5
Developing Economies 12
China 5.0 4.4 4.0 4.6 4.1 10
India 7.7 6.5 6.5 6.4 6.7 Pre-COVID avg: 7.7
8
Russia 1.0 1.1 1.1 1.1 1.1
6
ASEAN-5 4.5 4.1 4.4 4.1 4.3
Post-COVID avg: 4.1
Indonesia 5.1 5.0 5.1 5.0 5.1 4
Malaysia 5.2 4.7 4.3 5.2 4.7 2
Filipina 4.4 4.1 5.8 3.9 5.5 10.6 9.5 7.8 7.8 7.5 7.0 6.8 6.9 6.8 6.1 2.3 8.6 3.1 5.4 5.0 5.0 4.6 4.1 4.0 3.7 3.3
0
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
Thailand 2.4 1.5 2.1 1.9 2.2
Source: IMF, BNI OCE Source: IMF, BNI OCE
13 | 1H26 Corporate Presentation | 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
Meanwhile, countries’ fiscal stance has shifted toward inward-looking policy
The inward-looking policies have caused fiscal As a result, the government bond yields have
deficit to remain deeper than pre-COVID increased
Source: IMF, BNI OCE Source: IMF, BNI OCE
14 | 1H26 Corporate Presentation | 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
Indonesia's macroeconomic indicators remain more resilient than its peers
Based on economic cycle assessment, Indonesia is Indonesia’s GDP growth is relatively higher than G-
now on accelerating phase 20 countries,…
Source: CEIC, BNI OCE
…with the manageable level of public debt to GDP
Source: IMF, BNI OCE Source: CEIC, BNI OCE
15 | 1H26 Corporate Presentation | 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
Frontloaded fiscal spending supported economic growth momentum in 1H26
Fiscal spending growth has been solid in 1H26
The revenue also registered a solid performance,…
partly due to frontloading effort
Government Expenditure 1H22-1H26 Government Revenue 1H22-1H26
1,800 1,656.0 20% 1,600 60%
1,407.9 1,459.5
1,600 17.8% 18% 1,336.2
1,398.0 1,406.0 1,400 1,320.7 50%
1,400 16% 1,201.8
1,244.3 1,255.4 1,200 40%
1,200 14%
12% 1,000 50.7% 30%
1,000 11.4%
10% 800 21.4% 20%
800
8% 600 10%
600 6.3% 6% 5.4%
400 400 0%
4% -6.2%
200 2% 200 -9.0% -10%
0.9% 0.6%
0 0% 0 -20%
1H22 1H23 1H24 1H25 1H26 1H22 1H23 1H24 1H25 1H26
Rp tn Growth (% YoY) - RHS Rp tn Revenue Growth (% YoY)
Source: MoF, BNI OCE Source: MoF, BNI OCE
All in all, the solid expenditure and revenue brought
… supported by solid tax and non-tax performance
the fiscal balance to remain manageable
Government Revenue 2022-2026
60%
50%
40%
30% 21.6%
20%
10% 21.4%
0%
-10%
-20%
-30%
1H22 1H23 1H24 1H25 1H26
Tax (% YoY) Non-Tax (% YoY)
Source: MoF, BNI OCE Source: MoF, BNI OCE
16 | 1H26 Corporate Presentation | 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
Economic growth has also been supported by loan disbursements from SOE banks
Loan growth touched double-digit figure, supported SoE banks (Himbara) drove the significant
by robust investment loan investment loan growth
Source: OJK, CEIC, BNI OCE Source: BI, CEIC, BNI OCE
Working capital loan growth was also driven more Furthermore, the solid DPK growth brought the LDR
by Himbara to remain benign at 86.6% as of May-2026
Source: BI, CEIC, BNI OCE Source: Bloomberg BNI OCE Source:OJK, CEIC, BNI OCE
17 | 1H26 Corporate Presentation | 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
On the other hand, Rupiah has been the main risk due to global volatility
Most of currencies have depreciated YTD, BI’s has been aggressively intervening the FX
including Rupiah market to prevent further Rupiah depreciation
Exchange Rate Performance YTD2026 (%)
Forex Reserve
Mexico 3.2%
China 3.1%
DXY* 2.7% 160 156.47 18,500
Russia 0.5% 155 17,923.3
USD/IDR - Reversed
South Africa 0.2% 18,000
UK -0.3% 150
Singapore -0.4%
USD bn
145 17,500
Malaysia -0.8% 144.90
Average Ex Arg & Tur -1.7% 140 17,000
EM Average - Ex Arg & Tur -1.8% 135
Argentina -2.0% 130 16,500
Swiss -2.2%
Canada -2.5% 125 16,000
South Korea -2.7% 120
EU -2.9% 15,500
115
Czech -3.0%
ASEAN Avg -3.2% 110 15,000
Apr - 24
Apr - 25
Apr - 26
Jun - 24
Jun - 25
Jun - 26
May - 24
Jul - 24
Nov - 24
May - 25
Jul - 25
Nov - 25
May - 26
Feb - 24
Sep - 24
Dec - 24
Feb - 25
Sep - 25
Dec - 25
Feb - 26
Jan - 24
Mar - 24
Oct - 24
Oct - 25
Aug - 24
Jan - 25
Mar - 25
Aug - 25
Jan - 26
Mar - 26
Japan -3.7%
Philippines -4.9%
Swedia -5.1%
Thailand -6.8%
India -7.3% Data as of:
Indonesia -7.5% 20 July 2026
Turkey -9.9%
Forex Reserve (USD mn) Rupiah - RHS
-12% -10% -8% -6% -4% -2% 0% 2% 4%
Source: Bloomberg, BNI OCE Source: BI, CEIC, BNI OCE
18 | 1H26 Corporate Presentation | 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
BI has raised policy rate to stabilize Rupiah and to manage inflation risk
BI has raised policy rate by 100bps YTD… …and raised the rate of SRBI 1Y by 278bps
Source: Bloomberg, BNI OCE Source: Bloomberg, BNI OCE
BI and the government also agreed to raise the The high SRBI rate prevented significant capital
government bond yield to attract foreign inflows outflow this year
Source: Bloomberg BNI OCE
19 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Source: Bloomberg, BNI OCE
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Liquidity has tightened recently
BI has expanded its repo facility to support The less ample liquidity situation could be reflected
liquidity for banking sector from the higher INDONIA than BI-Rate
Source: BI, BNI OCE Source: Bloomberg, BNI OCE
20 | 1H26 Corporate Presentation | 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
We also need to watch out for higher inflation risk
Indonesia’s CPI inflation has reached >3% YoY due WPI inflation has outpaced CPI inflation, suggesting further
to higher food and core inflations potential cost pass-through from producer to consumer
CPI Inflation (YoY%) CPI vs WPI
7.0 15 (%YoY)
6.0 5.58
10 7.00
5.0 3.42 6.51
6.00
4.0 5
5.00
3.0 3.34
0 4.00
2.0 2.76 -5 3.00 3.34
1.0 2.00
0.0 -10
1.00
-1.0 -15 0.00
Sep-18
Jun-19
Sep-19
Jun-20
Sep-20
Jun-21
Sep-21
Jun-22
Sep-22
Jun-23
Sep-23
Jun-24
Sep-24
Jun-25
Sep-25
Jun-26
Dec-18
Dec-19
Dec-20
Dec-21
Dec-22
Dec-23
Dec-24
Dec-25
Mar-19
Mar-20
Mar-21
Mar-22
Mar-23
Mar-24
Mar-25
Mar-26
Jul-19
Nov-19
Mar-20
Jul-20
Mar-21
Jul-21
Nov-21
Mar-22
Jul-22
Nov-22
Mar-23
Jul-23
Nov-23
Mar-24
Jul-24
Nov-24
Mar-25
Jul-25
Mar-26
Nov-20
Nov-25
-1.00
Headline Core Administered Price - RHS Volatile (mostly food) - RHS Consumer Price Index Wholesale Price Index
Source: Bloomberg, BNI OCE Source: Bloomberg, BNI OCE
We see higher inflation risk due to El-Nino event in Therefore, combination of inflation and exchange rate risks are
2H26 expected to push BI raising policy rate further by 25-50 bps in 2H26
BI Rate (%)
6.5 6.00 - 6.25
6.0 5.75
5.5
5.0
4.5
4.0
May-25
May-26
Nov-26
Dec-26
Jan-25
Jun-25
Jan-26
Jun-26
Apr-25
Nov-25
Dec-25
Apr-26
Aug-25
Sep-25
Aug-26
Sep-26
Mar-25
Mar-26
Oct-25
Feb-25
Jul-25
Feb-26
Oct-26
Jul-26
Source: Bloomberg BNI OCE
21 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Source: Bloomberg, BNI OCE
Page 23
03 | Financial Highlights 22 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 22
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Solidifying liquidity for healthy and efficient growth
Highlighted Results (IDR Bn) 1H25 1H26 YoY (%) 2Q25 3Q25 4Q25 1Q26 2Q26 QoQ (%)
Total Assets 1,201,653 1,461,001 21.6% 1,201,653 1,269,486 1,362,055 1,426,758 1,461,001 2.4%
Loan 778,681 968,538 24.4% 778,681 812,195 899,531 919,320 968,538 5.4%
Third Party Funds 899,865 1,100,189 22.3% 899,865 934,326 1,040,834 1,100,582 1,100,189 0.0%
B/S CASA 647,554 719,968 11.2% 647,554 613,383 725,959 731,571 719,968 -1.6%
[Consolidated]
Current Account 381,639 428,642 12.3% 381,639 344,455 439,499 446,882 428,642 -4.1%
Savings Account 265,915 291,326 9.6% 265,915 268,928 286,460 284,689 291,326 2.3%
Time Deposit 252,311 380,221 50.7% 252,311 320,943 314,875 369,011 380,221 3.0%
Net Interest Income 19,516 22,285 14.2% 9,681 9,737 11,080 11,026 11,259 2.1%
Interest Income 33,614 38,630 14.9% 16,901 17,553 18,227 18,999 19,632 3.3%
Interest Expense (14,098) (16,345) 15.9% (7,220) (7,815) (7,147) (7,973) (8,372) 5.0%
Non Interest Income 10,451 11,754 12.5% 5,319 6,573 7,320 5,776 5,978 3.5%
P&L Operating Income 29,967 34,040 13.6% 15,001 16,310 18,400 16,802 17,238 2.6%
[Consolidated]
OPEX (13,809) (15,543) 12.6% (7,154) (7,795) (8,954) (7,479) (8,063) 7.8%
PPOP 16,158 18,497 14.5% 7,846 8,515 9,447 9.323 9,175 -1.6%
Provisioning Charges (3,787) (5,382) 42.1% (2,027) (2,333) (3,604) (2,418) (2,964) 22.6%
Net Profit 10,094 10,756 6.6% 4,714 5,021 4,926 5,661 5,095 -10.0%
23 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 25
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Strong foundation: 87.7% LDR | 18.1% CAR | solid LCR & NSFR
Highlighted Results (%) 1H25 1H26 YoY (%) 2Q25 3Q25 4Q25 1Q26 2Q26 QoQ (%)
CASA Ratio (Consolidated) 72.0 65.4 -6.6% 72.0 65.6 69.7 66.5 65.4 -1.1%
CoF (Third Party Funds) 2.78 2.56 -0.22% 2.81 2.93 2.46 2.49 2.63 0.14%
Profitability & NIM 3.8 3.6 -0.2% 3.7 3.6 3.9 3.6 3.6 0.0%
Efficiency ROAE* 12.8 13.4 0.6% 12.3 12.5 12.5 13.6 13.1 -0.5%
[Bank Only]
Pre-tax ROAA 2.2 1.9 -0.3% 2.1 2.1 2.0 2.0 1.8 -0.2%
CIR 45.2 44.6 -0.6% 46.9 47.0 47.2 43.5 45.6 2.2%
LAR 11.0 8.1 -2.9% 11.0 10.4 8.5 8.6 8.1 -0.5%
NPL (Gross) 1.9 1.9 0.0% 1.9 2.0 1.9 1.9 1.9 0.0%
Asset Quality Credit Cost 1.0 1.1 0.1% 1.0 1.1 1.5 1.1 1.2 0.1%
[Bank Only]
LAR Coverage Ratio 43.1 47.4 4.3% 43.1 41.9 46.9 45.9 47.4 1.5%
NPL Coverage Ratio 243.4 198.3 -45.1% 243.4 222.7 205.5 204.7 198.3 -6.4%
LDR 86.2 87.7 1.5% 86.2 86.9 86.4 83.5 87.7 4.3%
Liquidity LCR 144.2 129.8 -14.4% 144.2 167.4 160.5 149.9 129.8 -20.1%
[Bank Only]
NSFR 143.0 132.3 -10.7% 143.0 142.1 141.9 136.5 132.3 -4.2%
Tier-1 CAR 19.7 16.9 -2.8% 19.7 19.8 19.4 17.4 16.9 -0.5%
Capital
[Bank Only] Total CAR 21.1 18.1 -3.0% 21.1 21.1 20.7 18.5 18.1 -0.4%
*ROAE with average total equity as denominator; 14.5% in 1H26 if the denominator is Tier-1 Capital as reported to OJK
24 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 26
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Strong Balance Sheet profile
Growth - %
Consolidated Balance Sheet (IDR Bn) Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
QoQ YoY
Total Assets 1,201,653 1,269,486 1,362,055 1,426,758 1,461,001 2.4% 21.6%
Placement with other banks & BI 69,744 33,018 33,780 46,703 70,166 50.2% 0.6%
Current Account with Bank Indonesia 35,942 92,683 79,989 105,783 44,668 -57.8% 24.3%
Marketable Securities [market value] 52,412 58,959 63,017 65,408 58,022 -11.3% 10.7%
Government Bonds [market value] 135,127 142,235 163,513 155,240 147,377 -5.1% 9.1%
Loans (gross) 778,681 812,195 899,531 919,320 968,538 5.4% 24.4%
Third Party Funds 899,865 934,326 1,040,834 1,100,582 1,100,189 0.0% 22.3%
CASA 647,554 613,383 725,959 731,571 719,968 -1.6% 11.2%
• Current Account 381,639 344,455 439,499 446,882 428,642 -4.1% 12.3%
• Savings Account 265,915 268,928 286,460 284,689 291,326 2.3% 9.6%
Time Deposits 252,311 320,943 314,875 369,011 380,221 3.0% 50.7%
Deposits from other Banks 11,456 14,741 11,563 12,643 14,439 14.2% 26.0%
Marketable Securities Issued 26,964 32,569 32,593 24,595 27,896 13.4% 3.5%
Borrowings 39,436 42,088 39,040 40,513 53,076 31.0% 34.6%
Shareholders’ Equity 165,188 171,610 176,339 165,911 168,231 1.4% 1.8%
25 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 27
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Robust core profitability amid prudent provisioning
Consolidated Profit & Loss (IDR Bn) 1H25 1H26 YoY (%) 2Q25 3Q25 4Q25 1Q26 2Q26 QoQ (%)
Interest Income 33,614 38,630 14.9% 16,901 17,553 18,227 18,999 19,632 3.3%
Interest Expense (14,098) (16,345) 15.9% (7,220) (7,815) (7,147) (7,973) (8,372) 5.0%
Net Interest Income 19,516 22,285 14.2% 9,681 9,737 11,080 11,026 11,259 2.1%
Insurance & Investment Income – Net 343 322 -6.1% 206 238 162 116 206 78.1%
Fee-Based Income 7,904 9,028 14.2% 3,976 4,977 5,281 4,450 4,578 2.9%
Recovery 2,204 2,404 9.1% 1,137 1,358 1,877 1,210 1,194 -1.4%
Non Interest Income 10,451 11,754 12.5% 5,319 6,573 7,320 5,776 5,978 3.5%
Operating Income 29,967 34,040 13.6% 15,001 16,310 18,400 16,802 17,238 2.6%
Operating Expense (13,809) (15,543) 12.6% (7,154) (7,795) (8,954) (7,479) (8,063) 7.8%
Pre-Provision Operating Profit (PPOP) 16,158 18,497 14.5% 7,846 8,515 9,447 9,323 9,175 -1.6%
Provisioning Charges (3,787) (5,382) 42.1% (2,027) (2,333) (3,604) (2,418) (2,964) 22.6%
Net Profit 10,094 10,756 6.6% 4,714 5,021 4,926 5,661 5,095 -10.0%
26 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 28
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Loan growth led by wholesale; underlying momentum moderate (IDR Tn)
Growth - % Loan Yield by Segment (%) – Bank Only
Segment Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
QoQ YoY
Corporate 435.7 450.7 518.2 525.9 542.7 3.2% 24.5%
Segment 2Q25 3Q25 4Q25 FY25 1Q26 2Q26 1H25 1H26
Corp. Private & Blended Loan 7.3 7.2 7.1 7.2 6.9 6.9 7.3 6.9
314.5 327.8 336.3 340.6 344.9 1.3% 9.6%
Institutions
Corporate 6.5 6.4 6.2 6.4 6.1 6.2 6.5 6.2
Corporate SOE 121.2 122.9 181.9 185.3 197.8 6.7% 63.2%
Middle 7.9 7.7 7.6 7.8 7.2 7.3 8.0 7.2
Middle 105.0 119.5 131.7 142.4 170.0 19.4% 62.0%
Business Banking
Small 9.0 8.6 10.3 9.3 9.2 9.0 9.2 9.1
Enterprise 55.3 65.6 74.8 83.2 111.4 33.9% 101.4%
Consumer 8.2 8.3 8.2 8.2 7.9 7.7 8.3 7.8
Commercial 49.6 53.8 56.9 59.2 58.6 -1.0% 18.1%
IDR Yield 7.7 7.5 7.5 7.6 7.2 7.1 7.7 7.2
Small 73.8 74.4 75.2 75.3 77.4 2.7% 4.9% FX Yield 5.8 5.7 5.7 5.7 5.5 5.5 5.8 5.5
Govt Subs Loan
28.8 27.8 26.3 25.4 25.4 0.3% -11.8%
(KUR)
SME Non-KUR 45.0 46.5 48.9 50.0 52.0 4.0% 15.6%
Loan Composition (IDR Tn)
Subtotal 614.5 644.6 725.1 743.6 790.1 6.3% 28.6%
Mortgage 68.4 69.8 72.7 73.9 75.2 1.7% 9.9% 778.7 812.2 899.5 919.3 968.5
120.0% 1,100.0
Personal Loan 60.1 61.4 63.5 64.4 65.6 1.9% 9.2%
Consumer
100.0%
2.2% 2.1% 2.0% 1.9% 1.8%
1,000.0
Credit Card 15.4 16.0 16.3 16.6 16.9 1.6% 9.4% 18.9% 18.5% 17.4% 17.2% 16.6%
900.0
9.4% 9.1% 8.3% 8.2% 8.0%
80.0% 8 00.0
Others 3.1 3.1 3.6 3.1 3.1 0.1% 0.7%
60.0%
13.5% 14.7% 14.7% 15.5% 17.6% 700.0
Subtotal 147.0 150.2 156.2 158.0 160.8 1.8% 9.4%
600.0
40.0% 500.0
56.0% 55.5% 57.6% 57.2% 56.0%
Subsidiaries 17.2 17.4 18.3 17.7 17.6 -0.2% 2.7%
400.0
20.0%
300.0
Total Consolidated 778.7 812.2 899.5 919.3 968.5 5.4% 24.4%
0.0% 200.0
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
Working Capital 442.9 462.8 474.0 496.5 516.8 4.1% 29.8%
Subsidiaries Consumer Small Middle Corporate
Investment Loan 184.5 194.8 265.1 260.7 287.1 10.1% 25.3%
27 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 29
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Rp254.8 trillion loan disbursed in 2Q26, driven by top tier clients
Top 3 industries contributing to
QoQ Loan movement (IDR Tn) – bank only
QoQ Loan growth in Jun-26
254.8 202.6 2.7
Outstanding Increase (IDR Tn) Quarter-on-Quarter
Corporate : 87.7 Tn
Middle : 133.5 Tn Transport, Warehouse &
5.2 11%
Enterprise : 104.9 Tn Communications
952.8
903.3 Commercial : 28.5 Tn Electricity, Gas, Water 4.5 8%
Small : 10.0 Tn corporate Natural Resources 4.2 12%
Consumer : 23.6 Tn
Mar-26 Disbursement Install/Paid-Off Write-Off Jun-26
Top 3 industries contributing to
YoY Loan movement (IDR Tn) – bank only
YoY Loan growth in Jun-26
734.2 11.9
935.7 Outstanding Increase (IDR Tn) Year-on-Year
Corporate : 404.4 Tn
Infrastructure 65.9 132%
Middle : 399.5 Tn
952.8
Natural Resources 14.8 33%
763.3 Enterprise : 260.1 Tn
Commercial : 139.4 Tn corporate Electricity, Gas & Water 6.8 22%
Small : 36.2 Tn
Consumer : 95.6 Tn
Jun-25 Disbursement Install/Paid-Off Write-Off Jun-26
28 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 30
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Balanced funding mix supports liquidity resilience
CASA +11.2% YoY Third Party Funds Composition
(IDR Tn) (IDR Tn)
Growth - % 120.0% 5
Segment Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 899.9 934.3 1,040.8 1,100.6 1,100.2
QoQ YoY
-5
100.0%
-15
CASA 647.6 613.4 726.0 731.6 720.0 -1.6% 11.2% 80.0%
28.0% 34.4% 30.3% 33.5% 34.6% -25
-35
Current Account 381.6 344.5 439.5 446.9 428.6 -4.1% 12.3% 29.6% 27.5%
60.0%
28.8% 25.9% 26.5% -45
Savings Account 265.9 268.9 286.5 284.7 291.3 2.3% 9.6% 40.0% -55
42.4% 42.2%
-65
Time Deposit 252.3 320.9 314.9 369.0 380.2 3.0% 50.7% 20.0%
36.9% 40.6% 39.0% -75
Third Party Funds 899.9 934.3 1,040.8 1,100,6 1,100.2 0.0% 22.3% 0.0% -8 5
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
CASA Ratio 72.0% 65.6% 69.7% 66.5% 65.4% -1.0% -6.5%
Current Account Saving Account Time Deposit
Cost of Third-Party Funds (%) – Bank Only Sticky CASA strategy by focusing on transaction
5.13 5.10
Mobile Banking and Cash Management
4.86 4.81 4.82 4.87 4.95
contributed significantly to CASA
4.20 4.15 4.28 As of Jun-26:
2.93
78% 93%
2.79 2.72 2.65 2.75 2.81 2.63
2.60 2.46 2.49
2.82
2.48 2.44 2.53 2.62 2.57 2.74
2.22
2.44 +25% YoY +21% YoY
2.16
users users retail Savings balance wholesale Current Account
comes from mobile apps balance from cash
1.00 1.06 1.13 0.93 users management users
0.67 0.72 0.76 0.80 0.91 0.97 BNI Payroll Account
1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 +22% YoY
Current Account Saving Account Time Deposits Cost Of Third Party Fund
29 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 31
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
176.0%
167.4%
160.8% 160.4% 160.5%
155.9%
150.9% 149.9%
144.2%
139.1% 137.2% 136.6% 143.0% 142.1% 141.9%
132.5% 137.8% 132.3%
136.5%
129.8%
Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
LCR (Liquidity Coverage Ratio) NSFR (Net Stable Funding Ratio)
LDR is also manageable, well within regulatory framework
100.5%
96.7% 96.2% 96.1%
95.1% 94.3%
94.0% 95.3%
95.0% 94.9% 93.1%
89.5% 93.3% 89.9%
92.6%
89.0% 86.4% 86.9% 87.1%
86.2%
84.6% 87.7%
87.0% 86.4%
85.3% 86.3% 83.5%
85.2% 78.7%
78.3%
Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
IDR FX Blended
30 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 32
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Solid fee-based income underpins core profit growth
Solid growth in Banking Activities Fee
Breakdown of Non-Interest Income
supported by favorable rate environment (IDR Bn)
(IDR Bn)
Bank-only
Fee-Based Income 2Q25 3Q25 4Q25 1Q26 2Q26 QoQ % 1H25 1H26 YoY %
8,794
Consumer Banking 1,799 2,095 2,334 1,911 1,968 3.0% 3,606 3,879 7.6% 5,063 7,727
4,822 4,549
Account Maintenance 559 678 651 606 683 12.7% 1,092 1,289 18.0% 815 4,246
3,939 685 1,167
492 675
554 912 1,114
ATM & e-Channel 405 439 509 470 477 1.4% 806 947 17.5% 1,264 985 2,026
1,041 1,817
988
Debit Card Maintenance 135 138 139 137 129 -5.7% 257 266 3.5%
2,874 3,335 2,889 5,602
PPOB & Bill payment 98 100 123 109 112 2.8% 183 222 21.5% 2,397 2,713 4,795
Remittance 62 67 72 68 70 3.6% 134 138 2.8%
2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26
Card Business, Bancass, etc 541 672 839 520 497 -4.5% 1,134 1,017 -10.3%
Other Fee Income Trading Activities Banking Activities
Business Banking 2,140 2,727 2,728 2,335 2,581 10.5% 4,121 4,916 19.3%
Trade Finance 149 159 203 186 197 6.2% 366 383 4.7%
Key Fee Income growth contributors
Marketable securities 747 949 665 667 606 -9.1% 1,341 1,274 -5.0% (IDR Bn)
Bank-only
FX Trading, Revaluation & FX Trading, Revaluation &
241 315 247 373 379 1.5% 476 752 58.0% Syndication Account Maintenance
Derivatives Derivatives
Pension Fund 62 64 64 44 85 92.2% 119 129 8.6%
18.0%
Syndication 128 361 601 190 297 56.6% 303 487 60.9% 58.0%
60.9%
Share Investment, Custody,
812 880 947 874 1,016 16.2% 1,516 1,890 24.7% 1,289
Coop Fee, Etc
487 752 1,092
Total Fee-Based Income
3,939 4,822 5,063 4,246 4,549 7.1% 7,727 8,794 13.8%
(Bank Only) 303 476
Other Subsidiaries 37 154 219 204 30 -85.5% 177 234 32.0%
Total Fee-Based Income 1H25 1H26 1H25 1H26 1H25 1H26
3,976 4,977 5,281 4,450 4,578 2.9% 7,904 9,028 14.2%
(Consolidated)
31 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 33
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Variable remuneration & digitalization drove opex in 1H26
Opex Composition Cost to Income and Cost to Asset ratio
(IDR Bn)
Bank-only
Operating Expenses 2Q25 3Q25 4Q25 1Q26 2Q26 QoQ % 1H25 1H26 YoY %
46.2% 45.2%
43.3% 44.6% 44.6%
Personnel Expenses 3,291 3,917 4,107 3,776 3,704 -1.9% 6,566 7,480 13.9% 42.6% 42.9%
Base Salary 1,190 1,178 1,173 1,264 1,203 -4.8% 2,384 2,467 3.5%
Other Allowance 904 1,728 1,820 1,337 1,271 -5.0% 1,806 2,608 44.4%
Post Employee Benefits 928 723 712 932 944 1.2% 1,854 1,876 1.2%
2.5% 2.5% 2.5% 2.5% 2.5% 2.4%
2.1%
Training 47 42 69 15 36 130.6% 80 51 -36.2%
Subsidiaries 223 245 333 227 251 10.4% 442 478 8.1% 2021 2022 2023 2024 2025 1H25 1H26
Digitalization & CIR Cost to Asset
368 433 595 463 540 16.7% 785 1,002 27.8%
Transactional
G&A Expenses 1,986 1,911 2,468 1,632 1,971 20.8% 3,579 3,603 0.7%
IT & Telecommunication 472 319 453 320 442 38.1% 721 761 5.6% Quality over quantity
Occupancy Related 158 162 173 130 148 13.9% 300 279 -7.2%
Prudent frontloading of Personnel Expenses Digitalization &
Promotion 246 330 402 179 202 12.9% 414 381 -8.1% Transactional Expenses
(IDR Bn)
costs, focusing on (IDR Bn)
Transport & Travel 77 59 92 44 65 46.2% 127 109 -14.0%
personnel & digitalization
Goods, Prof. Services &
Others
911 893 1,158 804 973 21.0% 1,765 1,778 0.7% expenses
Subsidiaries 121 147 190 154 141 -8.7% 252 295 17.1%
Other Expenses 1,478 1,498 1,729 1,568 1,811 15.5% 2,816 3,379 20.0%
Result-oriented reward 7,480
6,566 1,002
scheme calibration to 785
Other Subsidiaries* 31 36 54 41 38 -8.5% 63 79 24.0% retain and attract top
Total Operating Expenses 7,154 7,795 8,954 7,479 8,063 7.8% 13,809 15,543 12.6% talents
1H25 1H26 1H25 1H26
*Starting in 2025, BNI Life implemented IFRS 17 from previously IFRS 4
32 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 34
04 | Asset Quality 33 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 33
Page 35
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) (IDR Tn)
(by segment & bank only) (IDR Tn)
83.8 82.9 74.8 78.1 77.0 38.3 38.7 35.3 33.2 31.4
11.0% 10.4% 8.5% 8.6% 8.1% 5.0% 4.9% 4.0% 3.7% 3.3%
11.9% 13.0% 13.4% 16.0% 17.0% 6.8% 6.9% 7.0% 6.8% 8.2%
9.6% 9.0% 8.5% 9.2% 9.5% 7.4% 6.8% 6.3% 6.0% 6.8%
20.7% 20.8% 22.7% 19.3% 18.7% 23.2% 21.3% 25.0%
22.3% 24.4%
57.8% 57.2% 55.5% 52.5% 66.4% 67.6% 63.5% 65.9% 60.0%
49.1%
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
Corporate Middle Small Consumer LaR Corporate Middle Small Consumer Coll 1R
Special Mention Loan (Coll. 2) Non-Performing Loan (NPL)
(by segment & bank only) (IDR Tn) (by segment & bank only) (IDR Tn)
30.6 28.6 22.5 27.4 27.2 14.9 15.6 17.1 17.5 18.4
4.0% 3.6% 1.9% 2.0% 1.9% 1.9% 1.9%
2.5% 3.0% 2.9%
13.7% 14.8% 14.7% 20.8% 21.0% 21.1% 24.6% 24.8% 25.9% 26.3%
7.8% 7.6% 6.8%
11.7% 9.2% 8.1% 18.8%
19.4% 21.7% 17.2% 15.2% 15.0% 16.1%
14.9% 15.4%
27.0% 24.2% 36.0% 35.8% 36.8%
59.0% 66.8%
55.9% 55.0% 55.5%
33.2% 33.9%
24.1% 23.3% 20.8%
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
Corporate Middle Small Consumer SML Ratio Corporate Middle Small Consumer NPL Ratio
34 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 36
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Bank-wide improvement, Consumer segment under watch
(bank only)
Special Mention Loan - % Loan at Risk - %
Segment Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Segment Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
Corporate 4.1% 3.5% 2.9% 2.9% 2.8% Corporate 11.1% 10.5% 8.0% 7.8% 6.9%
Middle 5.6% 5.2% 2.0% 2.9% 2.5% Middle 16.5% 14.4% 12.9% 12.2% 11.1%
Small 3.3% 2.9% 2.0% 3.4% 2.8% Small 11.0% 10.1% 8.4% 9.5% 9.4%
Consumer 2.9% 2.8% 2.1% 3.6% 3.6% Consumer 6.8% 7.2% 6.4% 7.9% 8.2%
Total SML- % 4.0% 3.6% 2.5% 3.0% 2.9% Total LAR- % 11.0% 10.4% 8.5% 8.6% 8.1%
Total SML Total LAR
30,644 28,649 22,487 27,374 27,225 83,846 82,888 74,822 78,105 77,016
(IDR Bn) (IDR Bn)
Non-Performing Loan - % Write Off & Recovery
Segment Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
18 ,000 80.0%
16,000
15,398 71.0% 70.0%
Corporate 1.1% 1.2% 0.8% 0.8% 0.7% 14,000
60.0%
12,000
11,778 55.8%
Middle 3.8% 3.2% 4.7% 4.4% 4.0%
50.0%
10,000
7,947 40.0%
36.5%
Small 3.8% 3.6% 3.4% 3.5% 3.8%
8 ,000
28.7% 31.2% 5,614 30.0%
4,459
6,000
3,670
Consumer 2.1% 2.6% 2.7% 2.9% 3.0%
20.0%
2,489
4,000
2,279 1,772
2,000
1,258 10.0%
Total NPL- % 1.9% 2.0% 1.9% 1.9% 1.9% - 0.0%
Total NPL 1H25 9M25 2025 1Q26 1H26
14,859 15,586 17,079 17,500 18,394
(IDR Bn) Write Off (Rp Bn) Recovery (Rp Bn) Recov. to Write Off Ratio
35 | 1H26 Corporate Presentation | 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
59% of 1H26 NPL formation came from 60% of the loan written off during 1H26
client origination before 2022 came from client origination before 2022
IDR 5.8Tn IDR 4.5Tn
1H26 NPL Formation 1H26 Write Off
-26.2% YoY -43.9% YoY
36 | 1H26 Corporate Presentation | 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 2Q-25 3Q-25 4Q-25 1Q-26 2Q-26 1H25 1H26
Corporate -0.6% 0.2% 0.5% 0.1% 0.2% -0.5% 0.2%
4.5 5.1
Middle 2.6% 2.1% 4.8% 1.0% 1.9% 1.8% 1.5%
35.1 Prov Charges for 36.5
30.6 loan (net*)
Small 4.5% 3.5% 3.5% 3.9% 3.8% 4.9% 3.9%
Consumer 3.0% 2.0% 0.9% 2.8% 2.6% 2.7% 2.7%
Loan Provision - Dec Write Off 2026 Loan Provision - after Provision Build Up Loan Provision - Jun
2025 write off 2026 CoC %
1.0% 1.1% 1.5% 1.1% 1.2% 1.0% 1.1%
- Bank wide
*after deducting loan remedial IDR 0.7 Tn
Assigned Loan Loss Reserve
Dec-25 Jun-26 by Coll & Stage
Jun-26 Jun-26
Collectability Amount
NPL % 1.9 1.9 LLR % Stage Amount
LLR %
(IDR Tn) (IDR Tn)
Current – Normal 875.8 0.6%
Stage 1 860.8 0.5%
NPL Coverage % 205.5 198.3 LaR 77.0 40.3%
Stage 2 62.6 23.0%
Current Restructured 31.4 22.1%
Collectability 2 (SML) 27.2 46.0% Stage 3 29.4 61.0%
LAR % 8.5 8.1 NPL 18.4 63.0% All Stage 952.8 3.8%
All Collectability 952.8 3.8%
LAR Coverage % 46.9 47.4
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.
37 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 3) LAR Coverage Ratio = Allowance for Impairment Losses divided by LAR amount
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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% 2.0% 1.9% 2.0% 1.9% 1.9% 1.9%
9.1% 10.3% 11.0% 10.4%
8.5% 8.6% 8.1%
319%
53% 278%
49% 49% 256% 243%
47% 46% 47% 233% 223%
43% 42% 205% 205% 198%
182%
37%
34% 145%
27%
Avg 2017- Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Avg 2017- Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
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
38 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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05 | Business & Consumer Banking 39 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 39
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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) Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Comp (%)
QoQ YoY Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
Manufacturing 147.0 150.3 141.1 151.6 154.8 2.1% 5.3% 19.6% 3.8 3.2 3.5 3.3 3.4
Infrastructure 62.5 62.0 120.6 130.1 131.5 1.1% 110.3% 16.6% 1.1 0.8 0.4 0.4 0.4
Trading, Restaurant & Hotel 107.1 118.0 121.2 119.8 133.4 11.4% 24.5% 16.9% 3.1 3.6 3.9 4.1 3.8
Transport, Warehouse &
60.9 62.8 66.4 64.7 79.8 23.2% 30.9% 10.1% 1.9 1.8 1.8 1.5 1.4
Communications
Natural Resources 50.8 59.8 63.3 68.4 78.1 14.3% 53.9% 9.9% 0.2 0.2 0.1 0.1 0.1
Business Services 53.8 54.5 60.0 62.8 61.8 -1.7% 14.7% 7.8% 0.8 0.6 1.0 0.9 1.0
Social Services 46.7 48.3 50.9 50.8 49.9 -1.6% 6.8% 6.3% 0.2 0.5 0.6 0.6 0.7
Agriculture 46.1 48.3 50.7 50.1 48.2 -3.8% 4.7% 6.1% 0.7 0.7 1.0 1.0 1.0
Electricity, Gas & Water 34.2 35.5 44.4 38.3 44.6 16.3% 30.3% 5.6% 0.0 0.0 0.0 0.0 0.0
Others 5.3 5.2 6.4 6.9 7.9 14.1% 48.5% 1.0% 2.6 2.5 2.0 2.1 2.0
Total 614.5 644.6 725.1 743.6 790.1 6.2% 28.6% 100.0% 1.9 1.8 1.8 1.8 1.7
Manufacturing Infrastructure Trading, Restaurant & Hotel
133.4
10.0%
130.1 131.5 118.0 121.2 119.8
147.0 150.3 151.6 154.8 120.6 10.0%
141.1 107.1
62.5 62.0 3.6% 3.9% 4.1% 3.8% 5.0%
5.0%
3.1%
3.8% 3.2% 3.5% 3.3% 3.4% 1.1% 0.8% 0.4% 0.4% 0.4%
0.0%
0.0%
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
Amount NPL Amount NPL Amount NPL
40 | 1H26 Corporate Presentation | 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 banking
NPL (%) NPL Movement - %
Product Growth Comp
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
(IDR Tn) YoY (%) Jun-25 Jun-26
Mortgage 68.4 69.8 72.7 73.9 75.2 9.9% 46.8% 3.0% 3.9%
Personal Loan 60.1 61.4 63.5 64.4 65.7 9.2% 40.8% 1.0% 1.6% 4.1 4.3
3.5 3.6
Payroll Loan 56.6 58.2 60.1 60.8 61.9 9.3% 38.5% 3.0 3.9
0.9% 1.6% 3.6 3.8
3.1
Fintech 3.5 3.2 3.5 3.7 3.8 8.5% 2.3% 1.5% 1.1% 2.5 1.3 1.4 1.4 1.6
1.0
Credit Card 15.4 16.0 16.3 16.6 16.9 9.4% 10.5% 2.5% 4.3%
Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
Others 3.1 3.1 3.6 3.1 3.1 0.7% 1.9% 2.7% 4.7% Mortgage Personal Loan Credit Card
Total 147.0 150.2 156.2 158.0 160.8 9.4% 100.0% 2.1% 3.0%
Personal Loan Debtors
Ample room for growth of Payroll Loan
Composition Jun-26
7.2%
4.3%
6,205
5,839
5,591
5,336 391 13.8%
5,080 37.5%
4,669 383
4,494 379 IDR 65.7 Tn
372
365
358
352 37.3%
Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
Government Related SOE Private Companies Universities Others
Number of Payroll Account [Thousand] Number of Payroll Loan Account [Thousand]
41 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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06 | Digital Initiatives 42 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 42
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
We’re exceeding on every customer touch points
Mobile Banking
We are aiming to enhance
digital solutions for all Introduced on 9 Oct 2024 All key features have
been fully migrated to
New Integrated Corporate Portal for
customers’ needs, rather than Wholesale Solution
wondr by BNI
focusing on a specific product. Trx Value No of Trx Trx Value
IDR 6,039 Tn 789 Mn IDR 958 Tn
▲ 17% yoy ▲ 14% yoy ▲ 110% growth yoy
Total No of Trx
Business Merchant Branchless Banking 1.1 Bn
E-Channel
▲ 129% growth yoy
1,042k+ Active Card & 229k+ Agents
QRIS merchant ▲ 2.3% yoy Building strong and consistent traction,
ATM SMS Banking translating into higher user
Acquiring Trx Value # Trx value # of Transaction participation in transactions.
IDR 81 Tn IDR 26 Tn 54 Mn
Trx Value No of Trx ▲ 21% yoy ▼ 2% yoy ▲ 25% yoy
13,386 ATMs IDR 1.1 Tn 62 Mn
▼ 42% yoy ▼ 20% yoy
BNI Open API All Mobile Banking Channel
Trx Volume
IDR 316 Tn Ecosystem
▼ 22% yoy Internet Banking Total Trx Value Total No of Trx
15 mn cards in IDR 1,153 Tn 1,357 Mn
circulations 2,000++ 283 ▲ 26% yoy ▲ 32% yoy
No of Trx Trx Value No of Trx ▲ 8% yoy Partners API Services
426 Mn IDR 1.3 Tn 1 Mn Trx Value Best in class – open
▼ 8% yoy ▼ 80% yoy ▼66% yoy IDR 1.87 Tn banking ecosystem
▲ 15% yoy digitalservices.bni.co.id
43 | 1H26 Corporate Presentation | 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 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
Strong balance growth from wondr by
BNI users reflects improving customer
wondr multicurrency 12% YoY quality, despite an overall decline
76%
driven by normalization in legacy BNI
Mobile Banking balances compared
to Q2 2025.
202 15.1
12.1
8.6
180
Jun-25 Jun-26 Jun-25 Dec-25 Jun-26
Savings account balance in
Registered users wondr by BNI (in Mn)
mobile banking channel (IDR Tn)
Growth transaction in all mobile User acquisition growth via all
banking channel mobile banking channel
International Design Award 2025 reddot winner 2025
1,800
40% YoY
32% YoY
1,600
1,400
The Most Innovated and Outstanding Banking Product and business
Creative Communication Transformation of The Year Model Category, Super
1,200
Strategy Apps wondr by BNI 1,000
53% 1,454
800
1,357 600
1,025 1,039
More than half of active wondr
400
users engage with over 4
200
Ratings Ratings
features monthly, reflecting
-
4.9/5.0 4.8/5.0 1H25 1H26
Number of transaction in
strong platform adoption.
1H25 1H26
YtD New CIF acquisition
all mobile banking channel (million) via mobile banking (thousand)
44 | 1H26 Corporate Presentation | 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
1.6.0 is expanding access, enriching financial journeys
Beyond transactions, wondr by BNI
wondrZ
connects every financial journey from
onboarding to global transactions Open & manage
and wealth growth Child Savings Account
From first savings
to first financial decisions, Enable Banking Transaction
for 12+ years old
wondrZ helps parents nurture
financially responsible teens Instant Lock & Unlock
through real-world digital banking
experiences. Monitor Account Activity &
Transaction Limits
More exciting
Expanding financial services with seamless branch access, broader upcoming features
global remittance, and smarter wealth solutions.
Up to 184 Countries Worldwide Integration with Intelligent Branch Experience Excellence,
Gold trading New look for
Faster, smarter, and more for reservation and transaction Application Stability, and AI
integration with Pegadaian Emerald user
competitive remittance services authorization powered Initiatives
45 | 1H26 Corporate Presentation | 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
Harnessing the power of integrated wholesale banking solution
BNIdirect Ample room for growth Number of users (in 000)
• Strong penetration rate in Corporate clients: 77% of total transaction
20.5%
YoY
value comes from Corporate Clients
• Corporate Clients’ transaction value increased by 10% YoY 232.0
279.7
Jun-25 Jun-26
Transaction value (IDR Tn)
17.0%
YoY
6,039
5,143
1H-25 1H-26
Payment Management Value Chain Management # of Transactions (in Mn)
receivables Collection Management Open Banking Solution 13.7%
YoY
789
Liquidity Management
694
1H-25 1H-26
46 | 1H26 Corporate Presentation | 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
Solid digital solutions for Business Banking clients
digitalservices.bni.co.id
BNI API 283 services Utilized by Best API / Open Banking
(approved by regulator), 2.000++ partners Platform & SME Transaction Best API Initiative Business Banking
the most compared to peers Providers 2025 2025 Category 2026
We Optimize All Three Possible Roles in Every Ecosystem Optimizing API to BNI’s Core
Operational
Expand BNI Services through partner platforms and empower partners
to build innovative solutions using BNI API
Using Partner platform as a Provides services to partners so
Develop and operate BNI Digital A standardized API designed to comply with the Standar Nasional Open API
channel to sell bank products they can potentiate their
platform that deliver integrated Pembayaran (SNAP), ensuring secure, interoperable, and standardized
products integration across the Indonesian payment ecosystem.
banking solutions for various
segment and needs
Support fast, secure, and real-time
transactions through Regulator standards.
POWERED BY :
Partner with e-commerce, lifestyle Customize bundled solutions into
companies to sell funding and new products in collaboration
lending products with partners
47 | 1H26 Corporate Presentation | 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
Branchless Banking
Empowering agents with powerful Solid contribution 30k+ Agents are in Frontier, Remote
mobile banking app to financial inclusion and Disadvantaged Areas
10.3k
229K+ Agents 14.7k
+2.3% YoY 5k
Spread Across:
6 Thousands 38 Thousands Chargeable Transactions at Agents
Districts Villages
Continues to Increase as
Literacy Improves
67.4 68.5
50.6
Inclusive Services
26.7
• Online Account • Cash Withdrawal and • Government Subsidy 17.8 20.2 28.9
14.6
Opening Deposit • KUR Loan referrals
Plenty Bill payment • Money Transfer • Tax and Bill Payment
User Friendly 2020 2021 2022 2023 2024 2025 1Q26 1H26
Services
chargeable transaction (Mn)
Realtime Sharing Financial Report
Fee for Agents Transaction
BNI Agen46 Improves The Quality of Life
and Productivity of MSMEs # of Transactions at Agen46
More Additional Linked to BNI
Features, Promo Digital Loan
by Type
& Information e-Form (KUR Micro)
Grocery store, bundled with all-in-one financial Inquiry Saldo
22%
Online Account services of Agen46 Cash Withdrawal
Opening, Cash • Increase Customer Traffic 44%
3% 54.5 Million BNI Transfer
Withdrawal & Deposit • Commission-based income for facilitated 1H-2026
6%
transactions Cash Deposit
Others (Inc. Top Up E-Wallet, Interbank
25% Transfer)
48 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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07 | ESG 49 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 49
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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 be a Trusted Global Financial Institution with Excellence in Innovation and Sustainable Performance
Aspiration & ESG Blueprint
Target Net Zero Emission (NZE) Target
Pillar Sustainable Finance Corporate Sustainability Inclusion & Resilience
1 Development of sustainable financing, funding 1 Energy and emissions management to achieve 1 Strengthening financial inclusion and
and programs across all segments Net Zero Emission (NZE) targets literacy, as well as community
empowerment in sustainable business
Strategy practices
2 Internalization of National and International 2 Development of programs to support 2
& ESG Standards sustainable operational practices Acting as a strategic partner for debtors in
their transition toward sustainable business
Initiatives 3 Increased transparency and accountability of 3 Strengthening employee capabilities in
sustainability practices practices
implementing ESG
4 Strengthening cyber security & customer data 3 Nature & biodiversity preservation
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 management in
• Strengthening infrastructure • Strengthening debtors’ Risk Acceptance Criteria (RAC)
• Establishing Net Zero Emission roadmap • Strengthening infrastructure for climate change risk management bank operations
Roadmap
and Carbon Budget • Strengthening Board’s engagement on ESG
• Optimizing data loss prevention
50 | 1H26 Corporate Presentation | 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
ESG performance highlights in 1H2026
ESG Advisory Playbook Expanded to Multiple Sectors Advanced ESG Advisory Through Pilot Technical Assistance
As part of its commitment to becoming a strategic transition partner, BNI initiated ESG Advisory
BNI becomes the first Indonesian bank to develop sector-specific ESG Advisory
Technical Assistance with selected corporate debtors, providing tailored transition guidance to
Playbooks supporting debtors' sustainability transition.
strengthen long-term sustainability and resilience.
How the ESG Advisory Playbook Works 1 Palm Oil Sector
By Q2 2026, BNI Assisted the alignment of the debtor's climate targets with the
1 Understand 2 Assess 3 Prioritize 4 Transform
successfully assisted Science Based Targets initiative (SBTi).
Build awareness of
sector-specific ESG
Evaluate ESG
maturity and
Identify the most
relevant transition
Develop a tailored
sustainability
2 (two)
challenges, identify readiness initiatives based on transition roadmap corporate debtors 2 Mining Sector
opportunities, and gaps through self- business needs and with practical through ESG
transition drivers. assessment. preparedness. implementation Advisory Technical Conducted gap analysis and provided sector-specific
recommendations. Assistance. recommendations to strengthen alignment with the Transition
Pathway Taskforce (TPT) Mining & Metals Sector Guidance.
Sector Coverage in Q2 2026
Following the launch of the Palm Oil ESG Advisory Playbook in 2025, BNI expanded the initiative to 5
(five) additional priority sectors in Q2 2026.
Strengthened Sector Guide for Responsible Financing for the Oil & Gas Sector
Manufacture Electricity Mining & Quarrying
(Metal Processing) (Sub Sector Coal Fired Power Plant) (Coal Mining) In Q2 2026, BNI expanded its Risk ESG Criteria Requirements
Acceptance Criteria (RAC) to include the
• Environmental regulatory compliance (AMDAL / UKL-UPL / RKL-RPL)
Construction Transportation & Storage Oil & Gas sector, strengthening ESG risk • Environmental performance (minimum PROPER Blue with improvement
(Highway Construction) (Water Transportation) screening and integration throughout the toward PROPER Green)
credit assessment process. • Environmental & Energy Management Systems policy/procedure
standard (e.g. ISO 14001, ISO 50001)
• Hazardous waste management implementation
Covers 3 (three) key subsectors: • Climate mitigation and adaptation plan/strategy
BNI conducted capacity-building and socialization • Social negative impact mitigation strategy
sessions for Relationship Managers and debtors • No environmental or social violations within the last three years
1 Upstream Exploitation
from the newly expanded priority sectors on 19
For Upstream Supporting Activities, debtors are required to comply:
& 23 June 2026 to support the implementation of 2 Upstream Supporting • Good Corporate Governance (GCG) principles
the ESG Advisory Playbook. 3 Downstream Supporting • Strong occupational safety performance (Zero or minimal workplace
accidents within the last three years)
• Environmental and social impacts reduction strategy
51 | 1H26 Corporate Presentation | 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 is taking a first-mover role in shaping sustainable banking practices
Integrating ESG into Financing, Risk Management, and Advancing ESG Leadership
Debtor Transition Partner
• Reinforcing GHG reduction of NZE Scope 1 & Scope 2 targets by 2028
• Green financing grew at a 18.6% CAGR from Dec-2020 to Jun-2026, and NZE Scope 3 targets by 2060.
becoming a key driver of BNI’s sustainable portfolio. • BNI holds a single A MSCI ESG Rating, highlighting its strong governance
• Expanding Sustainability-Linked Loans (SLLs) to drive measurable standards, sound business ethics, and enhanced management of ESG-
sustainability performance by linking financing to Sustainability Performance related risks in credit underwriting. The bank also maintains a Medium Risk
Sustainable Targets (SPTs). classification under the Sustainalytics ESG Risk Rating.
Finance • Advancing sustainable finance through the successful issuance of Green Bonds • BNI is the first bank in Indonesia to develop a comprehensive sector-
in 2022 and Sustainability Bonds in 2025. specific ESG Advisory Playbook designed to support debtors in their
sustainability transition
• BNI has integrated ESG aspects into its Risk Acceptance Criteria (RAC), which • Adapting International ESG Reporting Standards (GRI, SASB, SUSBA,
covers 23 industrial sectors, becoming sector-specific financing guidelines that ACGS)
mandate minimum sustainability requirements, prohibited activities, and • Preparing for the implementation of IFRS S1 and S2 Standard, aimed at
recommended sustainability practices. strengthening climate risk management, with full implementation in 2027.
• Climate Risk Stress Testing (CRST) has been fully implemented across 100% of
BNI's loan portfolio, leveraging OJK and NGFS standards to enhance climate
risk management and support resilient lending decisions.
Sustainable Business Operations
• Implemented the Indonesian Sustainable Finance Taxonomy (TKBI) for 6.7% 216.2 Ton CO₂e
ESG Risk borrowers in the Energy, Commercial Real Estate (CRE), Transportation & 3 495 units
Emission scope Avoided emissions in 1H2026
Management Green Solar panel
Services (T&S), and AFOLU sectors, with planned expansion to Manufacturing, 1 & 2 reduction from Zero Waste to Landfill
Building utilization in
Agriculture, Forestry & Fishing (AFF), Water Supply, Sewerage, Waste from baseline implementation across six head
Certification Plaza BNI & PIK2
(2023) office buildings
Management & Remediation (WSSWMR), Information & Communication, and
Professional, Scientific & Technical Activities. Represented respectable Good Corporate Governance • Fair operating, human rights, and labor
(GCG) practices.
practices.
• BNI provided ESG Advisory Playbook to help debtors understanding the
sector-specific benefits and opportunities of sustainability transition, raising • Zero data breach with high standard of
awareness of its strategic value and encouraging greater readiness to customer data privacy and security protection.
embark on their sustainability journey. 92.6 118.24 • Zero tolerance for fraud and financial crimes.
Strategic Corporate Governance ASEAN Corporate
Partner for • Becoming strategic partner for debtors by technical assistance covering • Effective CSR Program.
Perception Index (CGPI) Governance
Debtors Sustainable Finance Taxonomy (TKBI) and ESG Advisory. Scorecard (ACGS)
52 | 1H26 Corporate Presentation | 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
Accelerating sustainable financing growth
Sustainable Financing Portfolio* Sustainability-Linked
First Sustainability-Linked Loans
Loans (SLL)
(SLL) areare gainingmore
gaining moreinterest
interest
• Sustainable portfolio reached IDR 195.7 Tn or 20.5% of total loan (bank only) consists of
socioeconomic empowerment IDR 120.4Tn and green financing IDR 75.4Tn
6 4 of 6 Debtors
• Green financing has delivered a CAGR of 18.6% from Dec-2020 to Jun-2026, reinforcing BNI's achieved their Sustainability Performance Targets
long-term commitment to sustainable growth. SLL Debtors
(SPTs), the remaining undergoing periodic review.
(IDR Tn) CAGR
Green Finance
18,6% Loan disbursement SPT (Sustainable Performance
Sector
under SLL scheme Target)
55.4 59.7 67.9 73.4 78.0 75.4
29.5
113.8 117.0 123.2 113.2 117.1 118.8 120.4
Cement Achieving specific
Manufacture CO2 emissions
Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Q2-26
Social Green
Socioeconomic Natural resource management Pollution ~ USD
Empowerment and sustainable land use Prevention Packaging Reducing emissions, recycling
IDR 120.4 Tn
Manufacture 279 Mn resin and gender equality
Financing and empowerment IDR 37.1 Tn IDR 3.5 Tn
program towards micro & SME in total*
Petrochemical Reducing GHG emission intensity
Energy Efficiency Renewable Energy Others across refinery and chemical
Industry
operations
IDR 12.0 Tn IDR 11.0 Tn
IDR 11.8 Tn Financing to hydro, solar Sustainable water and
& biogas power plant wastewater management, etc. * USD 1 eqv IDR 17,880
* Sustainable portfolio is loan to business sectors that meet The Sustainable Business Activities Category (KKUB) requirements by OJK
53 | 1H26 Corporate Presentation | 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
Sustainable funding: supporting the transition through Green Bond
Green Bond Framework Use of Proceeds Environmental & Social Impacts
As the first Rupiah-denominated green bond, BNI established a
Alignment
Green Bond Framework and obtained a Second-Party Opinion 20% As of Dec-25, BNI has Categories Environmental Impact Social Impact
with SDGs
(SPO) from Sustainalytics. allocated 100% of the
proceeds from the 2022 BNI
Proceeds are exclusively allocated to finance/ refinance Green Bond amounting to IDR 286,000
"Eligible Green Projects" in line with Green Bond Principles and 624,379
meeting at least one of the specified environmental categories:
IDR 5.0 Tn 5 Tn, consisting:
• Series A IDR 4 Tn, which (tCO2eq/year)
Heads of Households
Access to clean and affordable
Avoided GHG Emission per energy
matured on June 21, 2025 year
• Series B IDR 1 Tn, which will 1,608
Renewable Energy Sustainable Transportation mature on June 21, 2027. people
80% Renewable 746,314 Total local people employed
Energy (MWh/year)
Energy Efficiency Energy produced per year 179
Climate Change
people
Waste to Energy and Waste Adaptation A Series B Series Total employees receiving
training on project operation
Management
Sustainable Water and
Wastewater Management BNI Green Bond Distribution
Sustainable Natural Resources 18%
and Land Use 15,283 151
Sustainable Agriculture 0.4% Sectoral distribution of the (tCO2eq/year) people
proceeds Avoided GHG Emission per Total local people employed
Terrestrial and Aquatic year
Biodiversity Conservation Green Buildings 405
13% IDR 4.4Tn Renewable Energy Sustainable 219,518 people
39.1% (GJ/year) Total employees receiving
Transportation
Summary of 2022 Green Bond Issuance IDR 5.0 Tn Sustainable
Transportation
Energy saving per year training on project operation
(100% of procced)
Total IDR 5 tn 60.5% Waste to Energy &
Waste Management
A Series: 3 years Term 6.35% amount of IDR 4 Tn
Issuance 103,163 95
B Series: 5 years Term 6.85% amount of IDR 1 Tn
(tCO2eq/year) people
Avoided GHG Emission per Total local people employed
Rating idAAA (PEFINDO) year
40
Maturity A Series : June 21, 2025 The 2026 Green Bond Allocation Report received an independent SPO Waste to Energy & 785,087 people
from Moody's Ratings, confirming that “BNI allocated the Green Bond Waste (ton/year) Total employees receiving
Date B Series : June 21, 2027 Total waste recycled training on project operation
proceeds in accordance with the four core components of the 2025 ICMA Management
Oversubscription Green Bond Principles and in accordance with the issuer's framework-level
rate 3.1x criteria.”
*) BNI Green Bond Report 2026 can be accessed on https://www.bni.co.id/Portals/1/BNI/Perusahaan/ESG/Docs/Report-Green-Bond-BNI-2026-EN.pdf
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Sustainable funding: catalyzing sustainable development through Sustainability Bond
Sustainability Bond Framework UseUse of Proceeds
of Proceeds Environmental & Social Impacts
Data for the period July–December 2025
BNI established a Sustainability Bond Framework and obtained a
Alignment
“credible and impactful” Second-Party Opinion (SPO) from Categories Environmental & Social Impacts
with SDGs
As of December 2025, BNI
Sustainalytics.
30% had allocated 100% of the 255,568 (tCO2eq)
Proceeds are allocated to finance/refinance "Eligible Green and Social proceeds from the Avoided GHG Emission 66 people
Project" in line with Sustainability Bond Guidelines 2021, Green Bond Sustainability Bonds. Total local people employed
314,287 Hectares
Principles 2021, Social Bond Principles 2023 and meeting at least one of IDR 5.0 Tn The funds were allocated Land protected and/or
the following eligible project categories: Sustainable Natural certified 143 people
into two eligible project Resources and Land Use
26,693 Trees
Total employees receiving
Green Project Social Project 70% categories, the Green training on project operation
Planted in reforestation
Renewable Energy Affordable Basic Infrastructure Category and the Social projects
Energy Efficiency
Service both in terms of access Category. 2,611 people
and cost 683,804 (tCO2eq/year) Total local people employed
Waste to Energy and Waste Avoided GHG Emission
Management Access to Essential Services Social Projects Green Project
Sustainable
1,016 people
Transportation
9,815,027 GJ Total employees receiving
Sustainable Natural Resources Affordable Housing Energy Saving training on project operation
and Land Use BNI Sustainability Bond Distribution
Job Creation and Programs
Terrestrial and Aquatic Designed to Prevent and/or 0.1% 1 Inclusive School Building 60 people
0.3%
Biodiversity Conservation Reduce Unemployment, including 18% Sectoral distribution of the Access to Essential Disability Friendly School Students with Disabilities
Sustainable Transportation MSME Financing 6.4% 5.1% proceeds Services - Disability Buildings Benefiting from the Project
10.5% Sustainable Natural Resources and Land Use
Facility
Sustainable Water and Food Security and Sustainable
Wastewater Management Food Systems 24.9% Sustainable Transportation
20 Hospitals 418,969 people
Climate Change Adaptation IDR 4.4Tn Food Security and Sustainable Food Systems
Access to Essential Financed Hospitals Serving BPJS Patients Served by
Green Buildings
Socio-economic Improvement
and Empowerment
IDR 5.0 Tn Affordable Housing Services - Hospital BPJS Patients the Financed Hospitals
(100% of procced) 53% Access to Essential Services - Hospital
Affordable Basic Infrastructure Services - Toll
Summary of 2025 Sustainability Bond Issuance Road
1 Trans Papua Road 104,910 people
Affordable Basic Basic Infrastructure Facilities Yalimo Regency Residents
Access to Essential Services - Disability Infrastructure Services - Constructed Served
Total
IDR 5 tn Facility Toll Road
A Series: 3 years Term 6.60% amount of IDR 3.5 Tn 52.7%
Issuance
B Series: 5 years Term 6.65% amount of IDR 1.5 Tn IDR 527 Bn 4,256 people
Beneficiaries of Subsidized
Financing Allocated
Rating idAAA (PEFINDO) The 2026 Sustainability Bond Allocation Report received an independent Affordable Housing Housing Financing
SPO from Moody's Ratings, confirming that “BNI has allocated the
Maturity A Series : July 04, 2028 proceeds of the issuances in alignment with the four core components of
Date B Series : July 04, 2030 the International Capital Market Association's (ICMA) Green Bond Food Security and IDR 2,6 Bn 13,808 people
Principles (GBP) 2025, Social Bond Principles (SBP) 2025 and in Sustainable Food Financing Allocated MSME Farmers Financed
Oversubscription accordance with the issuer's framework-level criteria”. Systems
rate 1.2x
*) BNI Sustainability Bond Report 2026 can be accessed on https://www.bni.co.id/Portals/1/BNI/Perusahaan/ESG/Docs/Sustainability-Bond-Report-2026.pdf
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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
No Exposure in 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 business
(trader and heavy equipment suppliers)
Obligations to fulfill a mandatory business permits: Plantation Business Permit (IUP), Cultivation Business Financing to coal mining is strictly for Top Tier Corporates with good ESG
Prohibited by the License (IUP-B), Plantation Business Registration (IUP-P), Plantation Business Registration (SPUP) practices
government
Legal requirement for the debtor’s business to have an Environmental Impact
We require new palm oil debtors to have RSPO or ISPO, and request customers to achieve full RSPO Analysis (AMDAL)
Illegal logging
certification within a timeframe in order to expand their target market.
Debtors have at least a Blue PROPER (Environmental Performance Rating)
Forced labor, child from the Ministry of Environment Life and Forestry
For Middle segment, requirement for ISPO is applied as affirmative covenant. the fulfilment of which will
exploitation, human rights Debtors agree to comply with the loan agreement clause that they will
be monitored regularly by RM and become subject to periodic internal audit
violation comply with all applicable environmental regulations and required
documentations. The failure to satisfy it will impact loan continuity
Violating the rights of Committed to implementing the No Deforestation, No Peat, and No Exploitation (NDPE) policy Have strategies to reduce negative impacts on the environment and
local community social
Destroying world Have strategies to reduce negative impacts on the environment and social There is no forced labor or employment of minors
heritage sites
Narcotics productions
% PALM OIL TO TOTAL LOAN % PALM OIL PORTFOLIO % COAL TO TOTAL LOAN
& trading PALM OIL LOAN BREAKDOWN COAL LOAN BREAKDOWN
(BANK ONLY) WITH RSPO AND / OR ISPO* (BANK ONLY)
0.04% 0.02%
Weapons
7.2% 1.1% 5.0%
Gambling
33.4% 34.58%
& money laundering
Politically Exposed
65.5% 65.42%
Person (PEP)
92.8% 95.0% 99.94%
Trading protected animals
RSPO and/ or ISPO Certified Coal Mining & Trading Coal
Palm Oil Others Plantation Refinery & Palm Oil Mill Trading Coal Others Briquette
In the certification process Coal Related Manufacture
* sustainable portfolio is loan to business sectors that meet the requirements of The Sustainable Business Activities Category (KKUB) of OJK
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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 (managed by independent external party)
shareholders and
One female Independent Commissioner, initiatives to foster their
Audit Risk Monitoring reflecting the Company’s commitment to
Committee Committee Board diversity. involvement
Nomination & Integrated All Committees under BOC are chaired by
Remuneration Governance an independent commissioner Predicate as a “Leadership in
Committee Committee ISO 37001:2016 Corporate Governance”
All BOD members are independent from Concerning Anti Bribery Based on the 2025 ASEAN Corporate Governance Scorecard
the controlling shareholder Management System (ACGS) standard from the Indonesia Institute for Corporate
The Board of Directors Directorship (IICD),
Respectful Working Place
BNI fosters and supports the principles of diversity, equality and non-discrimination BNI has issued regulation in the company guideline
BNI Code of Ethics regarding the implementation of Respectful Workplace
23% (3 out of 13) of the Board of Annual Declaration (RWP) which aims to create a safe comfortable work
Directors are female, demonstrating the Training/Socialization environment, respect and protect human dignity
Company’s commitment to gender prioritize mutual respect, free from discrimination,
diversity and inclusive leadership. exclusion or restrictions, bullying and harassment and
15.0% 31.0% 54.0% various form of violence, both mental, and physical for
BOD distribution by age by Jun-26 all employees
<50 years old 50 - 55 >55 years old
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Embodying sustainability culture
Employee Diversity
Employee Diversity Product/ Services with Environmental Impact
3,646 units of ATM BNI UMKM Ramah Lingkungan (BUMI)
for Disabilities BNI encourages MSMEs to adopt greener
Equipped with voice services and braille to help operational practices. As of 1H 2026, BNI
people with visual and physical disabilities successfully distributed IDR 34.9 Bn to 125 MSMEs in
Women Men the craft industry sector.
Gender 52% 48%
BNI WWF Affinity Card
Cardholders can participate in funding
25-29 35-40 >50 conservation activities through a sharing fee of
18% 27% 8% 0.4% from each retail transaction. BNI Jejak Kopi Khatulistiwa (JKK)
Aiming to boost financial inclusion, build a green
Age economy ecosystem and prepare coffee farmers
BNI Amex Vibe Card for global markets. As of 1H 2026, BNI distributed
Targeting youth segment, IDR 19.9 Bn to 103 MSMEs.
<25 41-50 With card using recycled materials
30-34
4% 22% 21%
Empowering Women in Top Management Green Office Culture
Green Building Certification by the Green Building 2 Buildings
Council Indonesia (GBCI) for: Equipped with Sewage Treatment Plants (STPs), in
Men • Menara BNI with Gold Certification Plaza BNI & Menara BNI. Treated wastewater is
Gender Women 32%
68% recycled for flushing and water plants.
• Plaza BNI with Platinum Certification
Green Building Leadership in Energy and Environmental
Note: Design (LEED) Certification for BNI Building PIK2 with 2 Buildings
Equipped magnetic bearing technology chiller
1. Top Management defines as AVP, VP, SVP, EVP, and SEVP Level. Gold Certification in Building Construction Category.
compressor, in Plaza BNI & Grha BNI.
2. All figures stated as of Jun 2026 with the total number of employees: 27,037.
2 Units
3. The recruitment, compensation, and career advancement policies of the bank make no Public EV Charging Station, in Plaza BNI & Menara BNI Adopting a paperless office administration system
distinctions based on ethnicity, religion, race, gender, or physical disability. (E-Office)
495 Units
Solar panel installed in Plaza BNI for the emergency exit Green campaign through various
(76 units) and BNI Building PIK2 (419 units). media
United Nations
Indonesia Sustainable Indonesia Business Indonesia Green
Environment The Alliance for Green Indonesia Human Capital
Finance Initiatives Council for Sustainable Building Council Himpunan Bank
Association membership Programme Finance Commercial Banks
(IKBI) Development (IBCSD) (GBCI) Milik Negara
Forum (FHCI)
Initiatives (UNEP FI) Member Member
Founder/Member Founder/Member Member
Member
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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
Information GOVERNANCE PROTECTION OPERATION ▪ Security Policy
Technology
Director ▪ Security Awareness to employees & customers
SEVP IT
SEVP
▪ Attack Simulation to employees
Development &
Operations
Digital Delivery
PEOPLE ▪ Dedicated Cybersecurity Staff
Security Multi-layer 24x7 Security ▪ Security Assessment
IT Strategy & Application Wholesale Digital
awareness defense Operation Center
Architecture Development Delivery ▪ Cybersecurity Operation & Threat Management
mechanism (SOC)
Information ▪ Penetration Testing & Vulnerability Assessment
security Penetration Threat ▪ Threat Intelligence
IT Application Retail Digital PROCESS
CISO provisions testing intelligence
Services Delivery
SORX* Organizational Incident User access Cybersecurity & Data Protections
Technology, IT Infrastructure AI & Big Data capabilities management management Multi-layer security on the infrastructure and network (firewall, IPS, WAF,
Digital & Management Analytics & forensics
Database Monitoring, multisite datacenter, DRC), application (Multi-factor
Operations Authentication, Encryption, Secure Software Development Life Cycle,
Mobile Application Protection), end-point protection (Data Loss Prevention,
*) SORX: Senior Operational Risk Executive TECHNOLOGY
Endpoint Detection & Response, Antivirus, Hardening, USB Port blocking)
Collaborating with official state bodies (BI, OJK and BSSN), and secure data transmission mechanism (data encryption, secured
security device principals and other communities to obtain Global File Exchange system, Secure File Transfer Protocol/SFTP, Virtual
information on threats and weaknesses, the latest technology and Standard & Best Practice Private Network/VPN, Secure Hypertext Transfer Protocol/HTTPs) to
products, as well as support when incidents occur. protect the customer data from cyber threat.
User Access Management
Board Oversight Strategic Partner Identity access management (IAM), Single-sign on (SSO), Privileged access
management (PAM), Active directory for end-point access security.
Board of Directors (management board) level, by the
Technology Management Committee oversees cybersecurity &
information security, ensuring alignment with BNI’s business
strategy and risk management framework.
IT Certifications & Assurance
1 ISO 27001: 2022 2 Service and Organization Control (SOC) 2 3 Uptime Institute’s Tier Certification of Operational
Board of Commissioners (supervisory board) level receives Information Security Management System Covering security, availability, confidentiality, Sustainability (TCOS)
quarterly reporting of cybersecurity and IT vulnerability through August 25, 2025 - January 15, 2029 and privacy. Obtained Tier III Gold Certification of Operational
Risk Profile reporting by executive management. Sustainability for data center management.
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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
21.3
GROUP
323 out of 1,026
RATINGS A Medium
Risk
Banks
UNIVERSE
CCC B BB BBB A AA AAA Negl Low Med. High Severe Global 4,744 out of 14,744
0-10 10-20 20-30 30-40 40+ Universe Best GREENSHIP New Building for
Asia’s Best Sustainability Report -
Plaza BNI – Platinum
Last Update: Bronze
Last Update:
23 March 2026 30 July 2025 5 December 2025 6 March 2025
ASEAN Corporate
SRI (KEHATI) Index Constituent IDX ESG Leader Index Corporate Governance Perception
Governance Scorecard MSME Ministry Award
of Sustainable Investment 1 of 30 Public Company Listed Index (CGPI) Award 2025
(ACGS) 2025
INDONESIAN
BIODIVERSITY
FOUNDATION
IDX ESG star-listed companies:
https://esg.idx.co.id/ ASEAN Asset Class 2025 Appreciation for BNI as Enterpreneur Hub
Leadership in Collaborator Through Xpora Platform
Period: Period: The Most Trusted Company Corporate Governance 1 December 2025
June – November 2026 June – November 2026 25 November 2025 15 September 2025
*Based on the 2022 ASEAN Corporate Governance Scorecard (ACGS) standard from the Indonesia Institute for Corporate Directorship (IICD)
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08 | About BNI 61 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 61
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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, Ministry of
(2021 – 2023) 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 ▪ Assistant Governor, Head of the Financial Market
(2021 – present) Representatives of the Republic of Indonesia Development Department, Bank Indonesia
▪ Chairman of the Supervisory Board, Foundation for (2019 – 2024 term) (2020 – 2025)
Economic and Financial Development Institute ▪ Member of Commission XI of the House of ▪ Member of the Market Committee of the Bank for
(LPEK) INDEF Representatives of the Republic of Indonesia International Settlements (MC-BIS) (2020 – 2025)
(1996 – present) (2009 – 2014 term) ▪ Head of Bank Indonesia London Representative
▪ Chairman of the Executive Board, Lembaga Office, Bank Indonesia
Penelitian, Pendidikan dan Penerangan Ekonomi (2017 – 2020)
dan Sosial (LP3ES) (2018 – 2022)
FEBRIO NATHAN KACARIBU
COMMISSIONER
▪ Director General of Economics and Fiscal Strategy,
Ministry of Finance (2025 – 2026)
▪ Commisioner of PT Pupuk Indonesia (Persero)
(2020 – 2025)
▪ Head of the Fiscal Policy Agency at the Ministry of Finance
(2020 – 2025)
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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 Banking Director
▪ 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 MUHAMMAD IQBAL
Risk Management Director Institutional Banking Director Commercial Banking Director
▪ SEVP Wholesale Risk, Bank Mandiri (2018 – 2020) ▪ Finance & Risk Management Director, ▪ SME and Retail Funding Director,
▪ Country Chief Risk Officer, Pupuk Iskandar Muda (2023 – 2025) Bank Tabungan Negara (2024 – 2025)
Bank of Tokyo Mitsubishi UFJ, Jakarta (2015 – 2018) ▪ Head of Distribution Network & Sales Division, ▪ Institutional Banking Director,
▪ Head of Risk Administration Department, The Bank of Tokyo Bank Negara Indonesia (2022) Bank Negara Indonesia (2023 – 2024)
Mitsubishi UFJ Ltd (2010) ▪ Head of Regional Office 14, Bank Negara Indonesia (2021) ▪ Enterprise & Commercial Banking Director,
Bank Negara Indonesia (2022 – 2023)
RONNY VENIR CORINA LEYLA KARNALIES RIAN ERIANA KASLAN
Operations Director Consumer Banking Director Network and Retail Funding Director
▪ Network and Services Director, ▪ Retail Banking Director, Bank Negara Indonesia (2024 – 2025) ▪ SEVP Retail Digital Solution,
Bank Negara Indonesia (2020 – 2025) ▪ Digital & Integrated Transaction Banking Director, Bank Negara Indonesia (2021 – 2025)
▪ SEVP Network, Bank Negara Indonesia (2019 – 2020) Bank Negara Indonesia (2023 – 2024) ▪ President Commissioner, Hibank Indonesia (2024 – 2025)
▪ SEVP Middle Business, Bank Negara Indonesia ▪ Consumer Banking Director, ▪ President Commissioner,
(2018 – 2019) Bank Negara Indonesia (2020 – 2023) PT BNI Modal Ventura (2022 – 2024)
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 Karya Bitumen
Bank Mandiri (2017 – 2019) (2019 – 2021)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Network and Distribution
Commercial Business Retail Productive Consumer Loan Outlets Employees
Branchless Banking ATM
Center (CMC) Business Center (RRC) Processing Center (LNC) (KC, KCP, KK*)
Jun-26 229,036 Jun-26 13,386 Jun-26 20 Jun-26 26 Jun-26 12 Jun-26 1,776 Jun-26 27,037
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
Overseas Offices
BNI has also entered into key Singapore Nov 1955
Hongkong Apr 1963
arrangements with prominent companies Tokyo Sep 1969
for payment channelling, financing, loan New York
London
Apr 1983
Apr 1984
distribution, and network/outlet Osaka Dec 2012
Seoul Feb 2016
development Amsterdam May 2022
Sydney Sep 2024
Individual Customer Highlights Corporate/SME Customer Highlights
252,143 562 2,431 249,150
74.1 million
24.8 million
2.3million
264.3 thousand
Business Banking
Debtors
Corporate Debtors
*Including overseas debtors
Middle Segment
Debtors
Small Segment
Debtors
Funding Accounts Regular Savings Accounts Credit Cards Mortgage Customers
*include P2P lending card
*As per POJK No.12/POJK.03/2021, KK is registered as KCP
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
E-Banking (bank only)
Mobile Banking is set to become Expanding access to banking services
the dominant banking channel for customers for unbanked and underbanked communities
E-Channel 1H25 2025 1H26 YoY Branchless Banking 1H25 2025 1H26 YoY
wondr and BNI Mobile Banking # Agent 223,881 217,013 229,036 2%
#User (Th) 26,004 29,716 32,526 25% Agent Fund (IDR Bn) 5,247 7,052 6,369 21%
#Trx (Mn) 43.71 121.75 54.48 25%
#Trx (Mn) 1,025 2,295 1,357 32%
Volume (IDR Tn) 27.14 61.19 26.47 -2%
Volume (IDR Tn) 917 1,983 1,153 26%
#Pandai Account (Th) 20,176 21,191 21,570 7%
SMS Banking
Pandai Fund (IDR Tn) 1.19 0.89 1.04 -12%
#User (Th) 12,703 12,448 8,001 -37%
#Trx (Mn) 78 725 62 -20%
Reliable transaction platform
Volume (IDR Tn) 2 3 1 -42% to support the cashless society
Internet Banking Electronic Money & Acquiring 1H25 2025 1H26 YoY
#User (Th) 2,226 2,228 2,194 -1% BNI Tap Cash
#Trx (Mn) 3 5 1 -66% #Card (Th) 14,108 14,752 15,268 8%
Volume (IDR Tn) 6 10 1 -80% #Trx (Mn) 65 142 77 19%
Volume (IDR Bn) 1,628 3,424 1,872 15%
ATM
Acquiring (EDC + QRIS + Online Merchant)
#Trx (Mn) 464 917 426 -8%
#Trx (Mn) 286 667 410 43%
Volume (IDR Tn) 404 820 316 -22% Volume (IDR Tn) 67 146 81 21%
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
A one-stop shop for lifetime finance and business needs
Insurance Securities Investment Manager* Venture Capital
60.0% 75.0% 99.9% 99.9%
% BNI Ownership % BNI Ownership % BNI Ownership (through BNI Sekuritas) % BNI Ownership
*As of 22 July 2026, BNI Asset Management
Empowering customer with Life Insurance Services Respected investment banking and securities brokerage services Catalyst between BNI's business groups and start-ups.
has been acquired by Danantara
Large customer base for Top Product
Bancassurance and Employee Brokerage and Investment Banking drive BNI Sekuritas’ performance Obtained OJK license on
Life Insurance with Founded on April 2022
Benefits business. amid highly challenging and volatile markets. January 2023
Endowment Benefit (Solusi Rank Rank
1.3% 0.3% Series, Hy End Pro, and
Steady Protection)
Revenue Mix Rank
#9 #2
Bancassurance
Asset Under Market share of Index BNV Investee
46%
Composition of
Employee Benefit
Agency
Rank in Industry* 30% 24%
Others
#4 Management Mutual Fund
GWP
Jun-26
52%
Alternative Dist. #8 29%
41%
30%
47%
Investment
Banking
Investment Banking
Revenue 4.4% 30
(in form of Gross
Written Premium) Brokerage AUM Market Share APERD Partnership
1H25 1H26
*Data FY25
SME Digital Bank Consumer Finance
63.9% 99.9%
% BNI Ownership % 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 New Booking Captive Portion
▲59.9% YoY
Officially acquired PT
Bank Mayora ~1.3 M CIF
68%
28% (16.5% → 76.4%)
(1H25) (1H26)
17 May 2023 Jun-26 Jun-26
Total Deposit Total Loan NPL (Rp3.4 T)
Rebranding as hibank to
▼21.5% YoY (Rp1.6 T) Total Financing
support the vision of ▲2.8% YoY ▲10.4% YoY 72% ▲0.3% YoY Dealer Partnership
becoming Indonesia's Leading (Rp14.0 T → Rp14.4 T) (Rp11.5 T → Rp12.7 T) (0.8% → 1.2%)
32% ▲13.2% YoY
▼12.9% YoY
MSME Digital Bank.
(Jun-25) (Jun-26) (Jun-25) (Jun-26) (Jun-25) (Jun-26)
1,239 Dealer (Rp5.7 T → Rp5.0 T)
SME Non SME Commercial Consumer (Jun-25) (Jun-26)
66 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 68
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Subsidiaries contribution to BNI Group
Group Structure Total Asset (IDR Tn) PPOP (IDR Bn)
57.2 59.0 390.6 376.7
VENTURE
MULTIFINANCE SECURITIES LIFE INSURANCE REMITTANCE BANK
CAPITAL
1983 1995 1996 1996 2022** 2022
Jun-25 Jun-26 1H25 1H26
99.99% 75.00% 60.00% 100.00% 63.92% 99.98%
FBI Synergy Total Subs
Net Profit (IDR Bn)
(IDR Bn) Contribution (IDR Bn)
ASSET
SECURITIES
MANAGEMENT*
2011 2021
99.90% 100.00%
Year of establishment Shares ownership 104.2 209.1 213.9 1,336.5
1,195.1
48.3
Note: as of February 2021, the financial summary (report) is excluded BNI Syariah as a consolidated
calculation. Data as of Jun-26.
*As of 22 July 2026, BNI Asset Management has been acquired by Danantara
** Year of acquisition 1H25 1H26 1H25 1H26 1H25 1H26
Note:
- 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)
67 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 69
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Subsidiaries highlighted performances
BNI Securities BNI Finance
BNI Life Insurance* Consolidated
21.9
202 198 18.4
189
11.7 6.2 14.8
143 4.6 5.1
122 3,177 -83.6
119 -89.6
28,727 30,614 5,989
25,743 2,600 2,745 5,450
5,178
868
6,295 6,069 5,637 1,185 1,313 1,357 753 470
1H24 1H25 1H26 1H24 1H25 1H26 1H24 1H25 1H26
hibank BNI Ventures
60.4 60.9 0.2 0.2 0.1
19,189 540
16,319 19,454
524 528
-22.4 514 516
508
4,526 4,668 4,421
1H24 1H25 1H26
1H24 1H25 1H26
Note:
*) 1H25 and 1H26 data are presented under IFRS 17 Asset (IDR Bn) Equity (IDR Bn) Net Profit (IDR Bn) FBI contribution to BNI (IDR Bn)
68 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 70
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Capital Ratios are well above minimum requirement (bank only)
21.1% 21.1% 20.7%
1.3% 1.3%
1.2% 18.5% 18.1%
1.4% 1.4% 1.3%
1.2%
1.2%
1.2%
1.5%
14.45%
REGULATORY (starting from Apr-26)
REQUIREMENT
13.95% 2.5%
Min. CAR based on 18.4% 18.5% 18.2% (Capital Conservation Buffer)
Risk Profile + add buffers 16.1%
(valid until Mar-26) 15.5%
2.0%
(Capital Surcharge
on Systemic Bank)
9.95 % 9.95%
CAR based on Risk CAR based on Risk
Profile Profile
(starting from Mar-25) (valid until Sep-26)
Jun 25 Sep 25 Dec 25 Mar 26 Jun 26
Notes:
CET 1 AT 1 Tier 2 CAR Counteryclical Buffer = 0%
69 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 71
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
BASEL 3 Capital requirement and BNI Capital realization
2024 2025 Jun-26 BBNI Capital Realization
Add On based on Bank's Risk Profile 1.80% 1.95% 1.95% BBNI Capital Realization Dec-24 Dec-25 Jun-26
Common Equity Tier I Capital (%)
Minimum Requirement 10.3 10.5 11.0
BNI Realization 18.6 18.2 15.5
Minimum Common Equity Tier 1 Capital 4.50% 4.50% 4.50% Tier I Capital (%)
Minimum Requirement 11.8 12.0 12.5
BNI Realization 20.0 19.4 16.9
Tier 1 Capital Minimum 6.00% 6.00% 6.00% Total CAR Based on Risk Profile
+ Add Buffers (%)
1. BNI Risk Profile (Rating 2 Sound) 9.8 10.0 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 0.0 0.0
4. Capital Surcharge 1.5 1.5 2.0
Minimum Requirement (%) 13.8 14.0 14.5
Countercyclical Buffer CAR BNI Realization (%) 21.4
0.00% 0.00% 0.00% 20.7 18.1
(Applied to all bank)
Capital Surcharge
1.50% 1.50% 2.00% Risk Weighted Asset (Bank Only – IDR Tn)
(Bank with systemic risk)
Risk Weighted Asset
Minimum Common Equity Tier 1 Dec-24 Dec-25 Jun-26
(Bank Only – IDR Tn)
10.30% 10.45% 10.95%
+ Risk Profile + Additional Buffers RWA - Credit Risk 660.2 750.0 835.1
RWA - Market Risk 14.2 11.2 13.4
Minimum Tier 1 Capital based on RWA - Operational Risk 37.4 4 0 .4 45.5
11.80% 11.95% 12.45%
Risk Profile + Additional Buffers Total RWA 711.8 801.6 894.0
Total Capital 152.3 165.6 161.2
Minimum CAR + Risk Profile CAR - % 21.4 20.7 18.1
13.80% 13.95% 14.45%
+ Additional Buffers
70 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 72
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Breakdown Yield Earning Asset & Interest Bearing Liabilities (bank only)
1H25 1H26 Growth YoY
Breakdown Earning Asset
Amt (IDR Tn) Yield Amt (IDR Tn) Yield Amt (%) Yield
Loan 763.3 7.3% 952.8 6.9% 24.8% -0.5%
Non Loan 306.0 5.0% 350.5 4.6% 14.5% -0.4%
Marketable Securities 177.9 4.2% 200.6 4.0% 12.8% -0.2%
Placement 102.0 3.3% 120.4 3.2% 18.1% -0.1%
Acceptance and other receivables 26.1 12.7% 29.5 12.1% 13.0% -0.7%
Total Earning Assets 1,069.3 6.7% 1,303.3 6.3% 21.9% -0.5%
1H25 1H26 Growth YoY
Breakdown Interest Bearing Liabilities
Amt (IDR Tn) CoF Amt (IDR Tn) CoF Amt (%) CoF
Third Party Fund 885.7 2.8% 1,086.1 2.6% 22.6% -0.2%
Current Account 376.8 2.6% 425.0 2.3% 12.8% -0.3%
Savings 265.1 1.0% 290.6 0.9% 9.6% -0.1%
Time Deposit 243.8 5.0% 370.6 4.2% 52.0% -0.8%
Borrowings & Repo 44.7 6.3% 82.3 4.8% 84.0% -1.5%
MS Issued 27.0 4.9% 28.0 5.8% 3.9% 0.9%
Total Interest Bearing Liabilities 957.4 3.4% 1,196.4 3.0% 25.0% -0.4%
71 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 73
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
BNI shares & rating
Historical Share Price Performance
BNI Shares & Rating Versus JCI – YoY Trend
Market Cap Movement & PBV
Outlook Negative 37% 200
Long Term Foreign Currency BBB 172 162 163
22%
Long Term Local Currency BBB 17% 15% 126
9%10% 121
Fitch 4% 6% 1.40
Short Term Foreign Currency F2 1% 1.33
Rating
Viability Rating bbb- 1.06 0.99 0.98
-3%
National Long Term Rating AAA/Stable 0.75
-19%
National Short Term Rating F1+ -23%
2021 2022 2023 2024 2025 Jun-26
2021 2022 2023 2024 2025 Jun-26
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
13%
Outlook Negative Breakdown of shares ownership Retail Geographical distribution of free
float shares (as of Jun-26)
Foreign Long Term Bank Deposits Baa2
Ownerships Jun-26
Local Long Term Bank Deposits Baa2 41.6% Indonesia
Moody's Government of Indonesia
Baseline Credit Assessment Baa3
(BP BUMN)
0.6% 40% 21.0% US & Canada
Adjusted Baseline Credit Assessment Baa3 Free Float
PT Danantara Asset Management 59.4% Shares 15.5% UK
Counterparty Risk Assessment Baa2/p-2
13.2% Asia
Public - Domestic 18.7%
7.2% Europe
87%
Pefindo Corporate Rating AAA/Stable Public - Foreign 21.3%
0.8% Rest of the World
Institutions
▪ Issued shares 37,297,312,916 shares 0.7% Australia
Source: Nasdaq Shareholder Report
72 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 74
09 | 5 Years Financial Data 73 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 73
Page 75
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 Jun-25 Jun-26
Total Assets 964,838 1,029,837 1,086,664 1,130,129 1,362,055 1,201,653 1,461,001
Placement with other banks & BI 92,290 51,569 43,794 17,076 33,780 69,744 70,166
Marketable Securities [market value] 26,053 28,556 37,408 48,534 63,017 52,412 58,022
Government Bonds [market value] 111,430 121,291 127,100 132,072 163,513 135,127 147,377
Loans (gross) 582,436 646,188 695,085 775,872 899,531 778,681 968,538
Third Party Funds 729,169 769,269 810,730 805,511 1,040,834 899,865 1,100,189
Deposit from other banks 14,377 15,245 11,894 18,548 11,563 11,456 14,439
Marketable Securities Issued 18,751 22,110 21,822 30,674 32,593 26,964 27,896
Borrowings 32,458 35,654 30,950 42,931 39,040 39,436 53,076
Shareholders’ Equity 126,520 140,198 154,733 166,548 176,339 165,188 168,231
Consolidated Profit or Loss (IDR Bn) 2021 2022 2023 2024* 2025 1H25 1H26
Interest Income 50,026 54,659 61,472 66,583 69,394 33,614 38,630
Interest Expense (11,779) (13,338) (20,196) (26,103) (29,061) (14,098) (16,345)
Net Interest Income 38,247 41,321 41,276 40,480 40,333 19,516 22,285
Insurance & Investment Income – Net 1,399 1,552 1,659 766 743 343 322
Fee-Based Income 13,639 14,820 14,783 16,624 18,461 7,904 9,028
Recovery 2,581 3,780 5,030 6,025 5,439 2,204 2,404
Operating Income 55,865 61,472 62,747 63,896 64,976 29,967 34,040
Operating Expense (24,801) (27,059) (27,778) (29,112) (30,856) (13,809) (15,543)
Pre-Provision Operating Profit (PPOP) 31,064 34,413 34,970 34,783 34,120 16,158 18,497
Provisioning Charges (18,298) (11,514) (9,196) (8,211) (9,724) (3,787) (5,382)
Net Profit 10,898 18,312 20,909 21,464 20,041 10,094 10,756
*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
74 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 76
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
5 Years financial data (2/2)
Financial Ratios (%) 2021 2022 2023 2024 2025 1H25 1H26
LOAN Growth [Consolidated] 5.3 10.9 7.6 11.6 15.9 7.1 24.4
CASA Ratio [Consolidated] 69.4 72.4 71.2 69.9 69.7 72.0 65.4
CASA Growth [Consolidated] 9.0 10.1 3.6 -2.5 28.9 18.7 11.2
CAPITAL
Shareholders’ equity to total asset 13.1 13.6 14.2 14.6 13.0 13.7 11.5
Tier I - CAR (include operational risk) 17.7 17.5 20.2 20.0 19.4 19.7 16.9
Tier II - CAR (include operational risk) 2.0 1.8 1.7 1.4 1.2 1.3 1.2
Total CAR (credit,market + operational risk) 19.7 19.3 22.0 21.4 20.7 21.1 18.1
ASSET QUALITY
Net Non-Performing Loan 0.9 0.5 0.6 0.7 0.7 0.7 0.7
Gross Non-Performing Loan 3.7 2.8 2.1 2.0 1.9 1.9 1.9
Credit Cost 3.3 1.9 1.4 1.1 1.2 1.0 1.1
NPL Coverage 233.4 278.3 319.0 255.8 205.5 243.4 198.3
RENTABILITY
Pre-Tax ROAA 1.4 2.5 2.6 2.5 2.1 2.2 1.9
ROAE* 9.4 14.9 15.2 14.2 12.7 12.8 13.4
Net Interest Margin 4.7 4.8 4.6 4.2 3.8 3.8 3.6
EFFICIENCY
Cost to Income Ratio 43.3 42.6 42.9 44.6 46.2 45.2 44.6
LIQUIDITY
Loan to Deposit Ratio 79.7 84.2 85.8 96.1 86.4 86.2 87.7
DIVIDEND
Dividend Payout Ratio [%] 25.0 40.0 50.0 65.0 65.0 - -
All ratios are bank only, unless stated otherwise
*ROAE with average total equity as denominator ; 14.5% in 1H26 if the denominator is Tier 1 Capital as reported to OJK
75 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 77
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Equity research contact details
NO BROKERAGE ANALYST E-MAIL
1 Autonomous Ivan Ng ivan.ng@bernsteinsg.com
2 Bahana Securities Razqi 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 Wai Fai Kok wai.fai.kok@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
76 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 78
PT. Bank Negara Indonesia (Persero) Tbk.
Investor Relations Division
Grha BNI Building, 21st Floor
Jln. 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.
77 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 77
Page 79
Thank You 78 | 1H26 Corporate Presentation | BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 78
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Bank Indonesia
p.2 ×72
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Founder
· Member
p.59
unresolved
—
BoC
· Commissioner
p.63
unresolved
org
Bank Indonesia London Representative
p.63
unresolved
org
Bank Indonesia Penelitian
p.63
unresolved
org
Ministry of Finance
p.63 ×2
unresolved
—
BoD
· Director
p.64
unresolved
—
CEO
· President Director
p.64
unresolved
—
CFO
· Director
p.64
unresolved
person
Institutional Banking
· Director
p.64
unresolved
person
Commercial Banking
· Director
p.64
unresolved
org
Mitsubishi UFJ Ltd
p.64
unresolved
person
Consumer Banking
· Director
p.64
unresolved
org
PT BNI Modal Ventura
p.64
unresolved
org
PT Bank Mayora
p.67
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