20251219_BSWD_Public Expose_32014356_lamp4.pdf

Infobank:

Bankofindia “@

Indonesia

1. So far, how has BOII responded to the Indonesian government's economic

policies in 2025, and how will they impact the company's performance, and what
are the Bank's expectations for 2026?

With all the current government policies in place, we believe the government is
consistently striving to support the creation of a better economy. As a bank, we
have also benefited from these policies, as reflected in the improvements in
several of our balance sheets. Therefore, the bank is optimistic about closing the
year with strong performance.

We also observed the government's swift and responsive actions to address
various challenges, both in managing the natural disasters that occurred and in
responding to various economic distortions. This further strengthens our
Optimism that the Bank will record improved performance in 2026. Whatever
policies the government implements going forward, we are confident the Bank
will be able to align its internal strategies and policies with the government's
policy direction in 2026.

. Regarding the OJK's plan to reguire KBMI 1 banks to merge and upgrade to

KBMI 2 to help boost the domestic economy, what is the BOIT's response to this
policy?

In principle, any policy adopted by the government through regulatory
authorities will have positive objectives and impacts on the banking industry as a
whole. We support this policy direction. However, as part of the BOI holding
company, we will first conduct internal discussions and coordination before
taking further action if such a plan is finalized.

Jl. K.H. Samanhudi No. 37, Jakarta Pusat 10720, Telp. : (021) 3500007 (Hunting), Fax. : (021) 3808178
e-mail : corporate@boiindonesia.co.id, Website : www.bolindonesia.co.id, SWIFT BIC : BKIDIDJA

Bank of India @

Indonesia

Kontan:

1. Are there any bank merger/consolidation plans related to the OJK's plan to
meet the minimum core capital reguirement of KBMI 2, following the planned
elimination of KBMI 1? Or are there other plans?

Regarding the OJK's plan, the Bank will make preparations should the policy
be actually implemented by the OJK. Internally, the Bank has also taken
anticipatory measures and is prepared for the OJK's proposed policy.
However, all final decisions will be made by our Controlling Shareholder
(PSP).

As a public company, the Bank will provide information and report to
stakeholders and shareholders if it undertakes any corporate actions, in
accordance with applicable laws and regulations. The Bank will also provide
an official explanation regarding the steps it will take following the official
determination of the plan by the Financial Services Authority (OJK).

2. What steps and strategies does the Bank take to improve efficiency and
increase operational profit, considering the decline in operational profit?

Operating profit has been limited so far due to narrowing interest margins
and increase non-performing loans (NPLs), forcing us to set a relatively more
CKPN. On the other hand, fee-based income showed solid growth of around
20Yo.

Going forward, our strategy is focused on reducing NPLs through close
monitoring of the end-to-end Ioan process, including optimizing recovery
management. With a reduced NPL, it is expected that the reguired provisions
will also be reduced, while fee-based income will remain high.

In terms of operational costs, the Bank will continue to manage overhead
expenses, including HR and General Administration costs, with the hope that
through optimal efficiency, it will maintain high income margins. This effort is
expected to increase the Bank's profits.

In terms of its credit portfolio, the Bank is targeting growth above 10Y6 in
accordance with OJK's directives and is striving to increase the CASA ratio, so
that by increasing the portion of low-cost funds, it will also increase net
interest income.

Jl. K.H. Samanhudi No. 37, Jakarta Pusat 10710, Telp. : (021) 3500007 (Hunting), Fax. : (021) 3808178
e-mail : corporate@boiindonesia.co.id, Website : www.boiindonesia.co.id, SWIFT BIC : BKIDIDJA

Bank of India (5)

Indonesia

3. What is the Bank's strategy for reducing NPL to a more solid figure?

To anticipate NPLs, we are being more proactive in resolving them through
various means, including coliaborating with relevant parties such as lawyers
and property agents. We are confident that NPLs will decrease in the near
future, and are expected to stabilize by the first guarter of next year at the
latest.

Going forward, to prevent a recurrence of this situation, we will strengthen
our analysis processes, including underwriting and an early warning system
to monitor customer trends. We are optimistic that NPLs will soon decline,
supported by improved economic projections in 2026.

Thus we convey the results of the Public Expose of PT Bank of India Indonesia Tbk.

Best regards,
PT Bank of India Indonesia Tbk
Directors,

Rahmat Hendratama

Jl. K.H, Samanhudi No. 37, Jakarta Pusat 10720, Telp. : (021) 3500007 (Hunting), Fax. : (021) 3808178
e-mail : corporate @boiindonesia.co.id, Website : www.boiindonesia.co.id, SWIFT BIC : BKIDIDJA