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PT BANK OF INDIA INDONESIA TBK FINANCIAL STATEMENTS
AS OF 30 SEPTEMBER 2025 AND 30 SEPTEMBER 2024 (UNAUDITED)
HEAD OFFICE
Jl. K.H. Samanhudi No. 37. Jakarta, Telp. : 021-3500007 (Hunting), Fax : 021 - 3808178, Contact Center : Hello BOII 150707
Website : www.boiindonesia.co.id, Email : corporate@boiindonesia.co.id. Share Code : BSWD, SWIFT BKIDIDJA.
BRANCH OFFICE
Samanhudi : Jl. Samanhudi No. 37 Central Jakarta 10710
Mangga Dua : Wisma Eka Jiwa Jl. Arteri Mangga Dua Raya Blok RM No. 17 Mangga Dua South Jakarta 10730
Bandung : Jl. Veteran No. 49 Bandung
Tunjungan : Jl. Tunjungan No. 32 Surabaya East Java
Coklat : Jl. Coklat No. 20-22 Surabaya 60161
Denpasar : Ruko Indah Blok 27 Diponegoro Street No. 135-137
Medan : Jl. H. Zainul Arifin No. 55-C/31
Makassar : Jl. Ujung Pandang (Ex. Taman Bahari) No. 13
SUB-BRANCH OFFICE
Kelapa Gading : Graha KNS, Jl Raya Boulevard Barat Blok XC 5-6 Kelapa Gading North Jakarta 14240
Sunter : Jl. Danau Sunter Utara (Sunter Garden Complex) Blok D-1 Kav. 12-13 No. 3 North Jakarta 14350
Kramat Jati : Jl. Raya Bogor KM 21 No. 18 Kramat Jati East Jakarta 13830
MD Place : MD Place Tower 2 South Setiabudi Street No. 7 South Jakarta
Ngagel : Ngagel Jaya South Street No. 169-A Surabaya 60284
Wiyung : Taman Pondok Indah Shophouse Block A-37 Jl. Raya Menganti 211
CASH OFFICE
Gandhi National School : Jl. Pangandaran IX Blok B4 West Ancol North Jakarta
Gandhi Memorial Intercontinental
: Jl. H.B.R Motik - Blok D.6 No. 1 Kemayoran Central Jakarta
School (GMIS)
Page 2
PT BANK OF INDIA INDONESIA TBK
STATEMENTS OF FINANCIAL POSITION
AS OF 30 SEPTEMBER 2025 AND 31 DECEMBER 2024
(In millions of rupiah)
No. ACCOUNTS 30 SEP 2025 31 DEC 2024
ASSETS
1. Cash 20,031 14,061
2. Placements with Bank Indonesia 539,437 254,321
3. Placements with other banks 9,025 7,270
4. Spot and derivative/forward receivables 253 1,350
5. Securities 1,598,376 1,962,741
6. Securities sold under repurchase agreement (repo) - -
7. Securities purchased under resell agreements (reverse repo) 569,129 266,444
8. Acceptance receivables 1,543 -
9. Loans and financing 4,098,376 4,140,311
10. Sharia financing - -
11. Equity investment - -
12. Other financial assets 20,141 21,565
13. Impairment on financial assets -/-
a. Securities - -
b. Loans and Sharia financing 55,288 119,077
c. Others - -
14. Intangible assets 31,444 27,683
Accumulated amortization on intangible asset -/- 24,447 22,202
15. Fixed assets and equipment 158,270 157,658
Accumulated depreciation on fixed assets and equipment -/- 33,084 31,793
16. Non earning assets
a. Abandoned property - -
b. Foreclosed assets 59,855 96,235
c. Suspense accounts - -
d. Interbranch assets - -
17. Other assets 38,651 38,590
TOTAL ASSETS 7,031,712 6,815,157
No. ACCOUNTS 30 SEP 2025 31 DEC 2024
LIABILITIES
1. Current account 590,126 481,456
2. Saving account 121,577 96,460
3. Time deposit 2,808,049 2,524,789
4. Electronic money - -
5. Liabilities to Bank Indonesia - -
6. Liabilities to other banks 63 209,297
7. Spot and derivative/forward liabilities 442 2,204
8. Liabilities on securities sold under repurchase agreement (repo) - -
9. Acceptance liabilities 1,543 -
10. Issued securities - -
11. Loans/financing received - -
12. Margin deposit 747 744
13. Interbranch liabilities - -
14. Other liabilities 41,620 42,843
TOTAL LIABILITIES 3,564,167 3,357,793
EQUITIES
15. Paid in capital
a. Capital 2,200,000 2,200,000
b. Unpaid capital -/- 1,462,227 1,462,227
c. Treasury stock -/- - -
16. Additional paid in capital
a. Agio 2,895,254 2,895,254
b. Disagio -/- - -
c. Fund for paid up capital - -
d. Others - -
17. Other comprehensive income
a. Gains 107,627 107,627
b. Losses -/- 1,260 1,260
18. Reserves
a. General reserves 20,000 20,000
b. Appropriated reserves - -
19. Gain/loss
a. Previous years (302,031) (380,785)
b. Current Year 10,182 78,755
c. Dividends paid -/- - -
TOTAL EQUITIES 3,467,545 3,457,364
TOTAL LIABILITIES AND EQUITIES 7,031,712 6,815,157
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PT BANK OF INDIA INDONESIA TBK
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
FOR THE PERIODS ENDED 30 SEPTEMBER 2025 AND 30 SEPTEMBER 2024
(In millions of rupiah)
No. ACCOUNTS 30 SEP 2025 30 SEP 2024
OPERATIONAL INCOME AND EXPENSES
A. Interest income and expenses
1. Interest income 319,975 308,645
2. Interest expenses 108,356 104,184
Net interest income (expenses) 211,619 204,461
B. Other operational income and expenses
1. Gains (losses) from increase (decrease) fair value on financial assets (190) (117)
2. Gains (losses) from decrease (increase) fair value on financial liabilities - -
3. Gains (losses) on sale of financial assets - -
4. Gains (losses) on spot and derivatives/forward (realised) 1,240 980
5. Gains (losses) on investment under equity method - -
6. Gains (losses) from translation of foreign currency transactions (36) (205)
7. Dividend income - -
8. Commission/provision/fee and administration income 12,659 11,835
9. Other income 31,872 14,948
10. Impairment for financial assets 109,321 76,552
11. Losses on operational risk 2,276 -
12. Personnel expenses 42,693 41,295
13. Promotion expenses 275 532
14. Others expenses 81,195 45,093
Net Other Operational Income (Expenses) (190,215) (136,031)
OPERATIONAL PROFIT (LOSS) 21,404 68,430
NON OPERATIONAL INCOME AND EXPENSES
1. Gains (losses) on sale of fixed assets and equipment 132 51
2. Other non operational income (expenses) 79 (1,639)
NON OPERATIONAL PROFIT (LOSS) 211 (1,588)
CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 21,615 66,842
Income tax
a. Estimated current year tax 11,433 14,705
b. Deferred tax income (expenses) - -
NET PROFIT (LOSS) AFTER TAX 10,182 52,137
OTHER COMPREHENSIVE INCOME
1. Items that will not be reclassified to profit or loss
a. Revaluation surplus of fixed assets - -
b. Gains (losses) from actuary benefit program - -
- -
c. Others - -
2. Items that will be reclassified to profit or loss
a. Gains (losses) arising from translation of financial statements in foreign currency - -
- -
b. Gains (losses) from changes in fair value of financial assets - debt instruments
measured through other comprehensive income - -
c. Others - -
OTHER COMPREHENSIVE INCOME FOR THE PERIOD AFTER INCOME TAX - -
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 10,182 52,137
Net Profit (Loss) Attributable To :
- Parent Entity 10,182 52,137
- Non-Controlling Interest
NET PROFIT (LOSS) FOR THE PERIOD 10,182 52,137
Total Comprehensive Profit (Loss) Attributable To :
- Parent Entity 10,182 52,137
- Non-Controlling Interest
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 10,182 52,137
PROFIT/LOSS TRANSFER TO HEAD OFFICE - -
DIVIDEND - -
EARNINGS PER SHARE (in full amount) 3 14
Page 4
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF COMMITMENTS & CONTINGENCIES
AS OF 30 SEPTEMBER 2025 AND 31 DECEMBER 2024
(In millions of rupiah)
No. ACCOUNTS 30 SEP 2025 31 DEC 2024
I. COMMITTED RECEIVABLES
1. Unused borrowings/financing facilities - -
2. Foreign currency positions to be received from spot and derivatives/forward transactions 302,303 554,473
3. Others 71,623 70,482
II. COMMITTED LIABILITIES
1. Unused credit/financing facilities
a. Committed - -
b. Uncommitted 247,781 220,195
2. Outstanding irrevocable letters of credit - -
3. Foreign currency positions to be submitted for spot and derivatives/forward transactions 147,569 337,995
4. Others - -
III. CONTINGENT RECEIVABLES
1. Received guarantees - -
2. Others 30,363 18,429
IV. CONTINGENT LIABILITIES
1. Issued guarantees 25,432 30,418
2. Others - -
Page 5
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF SPOT AND DERIVATIVE TRANSACTIONS
AS OF 30 SEPTEMBER 2025
(In millions of rupiah)
INDIVIDUAL
NO. TRANSACTIONS Notional Objectives Derivative Receivables and Payables
Amount Trading Hedging Receivables Payables
A. Related to Exchange Rate
1 Spot 174,899 - 174,899 253 19
2 Forward - - - - -
3 Option
a. Put - - - - -
b. Call - - - - -
4 Future - - - - -
5 Swap 274,973 - 274,973 - 423
6 Others - - - - -
B. Related to Interest Rate
1 Forward - - - - -
2 Option
a. Put - - - - -
b. Call - - - - -
3 Future - - - - -
4 Swap - - - - -
5 Others - - - - -
C. Others - - - - -
TOTAL 449,872 - 449,872 253 442
Page 6
PT BANK OF INDIA INDONESIA TBK
CALCULATION OF CAPITAL ADEQUACY RATIO / CAR
AS OF 30 SEPTEMBER 2025 AND 30 SEPTEMBER 2024
(In millions of rupiah)
CAPITAL COMPONENTS 30 SEP 2025 30 SEP 2024
I Core Capital (Tier 1) 3,305,978 3,245,124
1 Common Equity Tier 1 (CET 1) 3,305,978 3,245,124
1.1 1.1. Paid-in Capital (After the deduction of treasury stock) 737,773 737,773
1.2 1.2. Disclosed Reserves 2,595,883 2,537,318
1.2.1 Addition Factor 3,033,063 3,074,918
1.2.1.1 Other comprehensive income 107,627 107,627
1.2.1.1.1 Translation of financial statements in foreign currency - -
Unrealized gain on financial assets measured through other
1.2.1.1.2 - -
comprehensive income
1.2.1.1.3 Revaluation surplus of fixed assets 107,627 107,627
1.2.1.2 Other disclosed reserve 2,925,436 2,967,291
1.2.1.2.1 Agio / Disagio 2,895,254 2,895,154
1.2.1.2.2 General Reserves 20,000 20,000
1.2.1.2.3 Previous year's profit - -
1.2.1.2.4 Current year's profit 10,182 52,137
1.2.1.2.5 Fund for paid-in capital - -
1.2.1.2.6 Others - -
1.2.2 Deduction Factor (437,180) (537,600)
1.2.2.1 Other comprehensive income - -
1.2.2.1.1 Translation of financial statements in foreign currency - -
Unrealized loss on financial assets measured through other
1.2.2.1.2 - -
comprehensive account
1.2.2.2 Other disclosed reserve (437,180) (537,600)
1.2.2.2.1 Disagio - -
1.2.2.2.2 Previous year's losses (302,031) (380,785)
1.2.2.2.3 Current year's losses - -
Difference between allowance for possible losses and allowance for
1.2.2.2.4 (35,729) (81,895)
impairment losses on earning assets
Difference on the total of fair value adjustment from financial instruments in
1.2.2.2.5 - -
trading book
1.2.2.2.6 Allowance for losses on non productive assets required to be provided (99,420) (74,920)
1.2.2.2.7 Others - -
1.3 Non-controlling interest - -
1.4 Deduction Factor of Common Equity Tier 1 (27,678) (29,967)
1.4.1 Deferred tax (20,681) (23,326)
1.4.2 Goodwill - -
1.4.3 Other intangible assets (6,997) (6,641)
1.4.4 Investments in shares of stock - -
1.4.5 Shortage of capital on insurance subsidiary company - -
1.4.6 Securitisation Exposure - -
1.4.7 Other deduction factor of common equity tier 1 - -
Investments in Instruments issued by the other bank that meet the criteria
1.4.7.1
for inclusion in additional tier 1 and tier 2
Cross ownership of other entities obtained due to transfer because of law,
1.4.7.2 - -
grant, or bequest
2 Additional Tier 1 Capital (AT-1) - -
2.1 Instruments that meet the criteria of AT 1 - -
2.2 Agio / Disagio - -
2.3 Deduction factor - -
2.3.1 Investments in Instruments issued by the other bank that meet the criteria for inclusion
- -
in additional tier 1 and tier 2
2.3.2 Cross ownership of other entities obtained due to transfer because of law, grant, or
- -
bequest
Page 7
CALCULATION OF CAPITAL ADEQUACY RATIO / CAR
AS OF 30 SEPTEMBER 2025 AND 30 SEPTEMBER 2024
(In millions of rupiah)
CAPITAL COMPONENTS 30 SEP 2025 30 SEP 2024
II Tier 2 Capital 32,148 29,863
1 Instruments issued by the bank that meet the criteria for inclusion in
- -
tier 2 capital
2 Agio/disagio - -
3 General allowance for losses on earning assets (max. 1.25% from risk-weighted assets) 32,148 29,863
4 Deduction Factor of Tier 2 Capital - -
4.1 Sinking Fund - -
4.2 Investments in Instruments issued by the other bank that meet the criteria for inclusion in
- -
additional tier 2
4.3 Cross ownership of other entities obtained due to transfer because of law, grant, or bequest
- -
TOTAL CAPITAL 3,338,126 3,274,987
RISK-WEIGHTED ASSETS (RWAs)
RWAs CONSIDERING CREDIT RISK 3,490,896 3,433,744
RWAs CONSIDERING MARKET RISK - -
RWAs CONSIDERING OPERATIONAL RISK 218,466 191,181
TOTAL RISK-WEIGHTED ASSETS 3,709,362 3,624,925
Min. Capital Requirements Based on Risk Profile 9.99% 9.99%
REGULATORY MINIMUM CAPITAL REQUIREMENT ALLOCATION BASED
ON RISK PROFILE
From CET1 ( % ) 9.99% 9.99%
From AT1 ( % ) 0.00% 0.00%
From Tier 2 ( % ) 0.00% 0.00%
CAR RATIO
CET 1 Ratio (%) 89.13% 89.52%
Tier 1 Ratio (%) 89.13% 89.52%
Tier 2 Ratio (%) 0.87% 0.82%
CAR Ratio 90.00% 90.35%
CET 1 FOR BUFFER (%) 80.01% 80.34%
REGULATORY BUFFER PERCENTAGE REQUIRED BY BANK (%)
Capital Conservation Buffer (%) 0.00% 0.00%
Countercyclical Buffer (%) 0.00% 0.00%
Capital Surcharge for Systemic Bank (%) 0.00% 0.00%
Page 8
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF CASH FLOWS
FOR THE PERIODS ENDED 30 SEPTEMBER 2025 AND 30 SEPTEMBER 2024
(In millions of rupiah)
ACCOUNTS 30 SEP 2025 30 SEP 2024
CASH FLOWS FROM OPERATING ACTIVITIES
Receipt of interest income, fees and commissions 332,066 306,545
Other operating income 33,419 9,004
Payments of interest expenses, fees and commissions (103,222) (108,184)
Payments of post-employment benefits (47,024) (41,647)
Payment of general, administration, maintenance and repairs (35,636) (30,797)
Payment of tax expenses - -
Other non-operating income / (expense) - net 79 (3,373)
Operating Profit before changes in operating activities 179,682 131,548
Changes in operating assets and liabilities
Decrease / (Increase) in operating assets :
Loans (21,854) (170,874)
Other assets (142,515) (62,324)
Increase (decrease) in operating liabilities :
Obligations Due Immediately 2,651 1,756
Deposits 207,812 449,452
Other liabilities 10,486 (10,303)
Net cash provided by (used in) operating activities 236,262 339,255
CASH FLOWS FROM INVESTING ACTIVITIES
Decrease (increase) in securities held until maturity 364,365 (840,160)
Proceeds from sale of fixed assets 132 153
Acquisitions of fixed assets and intangible assets (4,782) (5,323)
Decrease (Increase) in securities purchased under resale agreements (302,685) 316,909
Net cash provided by investing activities 57,030 (528,421)
CASH FLOWS FROM FINANCING ACTIVITIES
Payment of lease liabilities (414) (372)
Stock issuance costs - -
Net cash provided by financing activities (414) (372)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 292,878 (189,538)
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR 275,651 437,799
Effect of foreign exchange rate changes (36) (205)
CASH AND CASH EQUIVALENTS AT END OF YEAR 568,493 248,056
SUPPLEMENTAL DISCLOSURES
Cash and cash equivalents consist of :
Cash 20,031 12,453
Current accounts with Bank Indonesia 172,437 167,808
Current accounts with other banks 9,025 10,795
Placements with Bank Indonesia and other banks - mature within 3
367,000 57,000
(three) months
Total cash and cash equivalents 568,493 248,056
Page 9
PT BANK OF INDIA INDONESIA TBK
FINANCIAL RATIOS CALCULATION
AS OF 30 SEPTEMBER 2025 AND 30 SEPTEMBER 2024
No. RATIO 30 SEP 2025 30 SEP 2024
I. Performance Ratio
1 Capital Adequacy Ratio (CAR) 90.00% 90.35%
2 Non performing earning assets and non earning assets to 4.37% 6.15%
total earning assets and non earning assets
3 Non perfoming earning assets to total earning assets 3.54% 4.73%
4 Allowance for impairment on financial assets to earning 0.83% 2.13%
assets
5 NPL gross 5.98% 7.70%
6 NPL net 4.91% 4.70%
7 Return on Asset (ROA) 0.42% 1.34%
8 Return on Equity (ROE) 0.40% 2.12%
9 Net Interest Margin (NIM) 4.33% 4.32%
10 Operating Expenses to Operating Income (BOPO) 94.76% 81.58%
11 Cost to Income Ratio (CIR) 44.41% 46.08%
12 Loan to Deposits Ratio (LDR) 116.44% 122.53%
II. Compliance
1 a. Percentage Violation of Legal Lending Limit
I. Related parties - -
II. Non related parties - -
b. Percentage Lending in excess of Legal Lending Limit
I. Related parties - -
II. Non related parties - -
2 Reserve Requirement
a. Primary Reserve Requirement (Rupiah) 5.43% 5.02%
b. Reserve Requirement (Foreign currencies) 4.06% 4.08%
3 Net Open Position 1.70% 0.10%
Page 10
EARNING ASSETS QUALITY AND OTHER INFORMATION
BANK : PT BANK OF INDIA INDONESIA TBK
DATE OF REPORT : 30 SEPTEMBER 2025 AND 30 SEPTEMBER 2024
(In millions of Rupiah)
INDIVIDUAL
No. ACCOUNTS 30 SEPTEMBER 2025 30 SEPTEMBER 2024
L DPK KL D M Total L DPK KL D M Total
I. RELATED PARTIES
1. Placement with other banks 2,925 - - - - 2,925 1,018 - - - - 1,018
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies 2,925 - - - - 2,925 1,018 - - - 1,018
2. Spot and derivative/forward receivables - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
3. Securities - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Claims on securities bought under reverse repo - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables - - - - - - - - - - - -
7. Loans and financing 27 - - - - 27 3 - - - - 3
a. Micro, small and medium enterprises (UMKM) - - - - - - - - - - - -
i. Rupiah - - - - - - - - - - - -
ii.. Foreign currencies - - - - - - - - - - - -
b. Non micro, small and medium enterprises (non UMKM) 27 - - - - 27 3 - - - - 3
i. Rupiah 27 - - - - 27 3 - - - - 3
ii.. Foreign currencies - - - - - - - - - - -
c. Restructured loans - - - - - - - - - - - -
i. Rupiah - - - - - - - - - - - -
ii.. Foreign currencies - - - - - - - - - - - -
8. Equity investment - - - - - - - - - - - -
9. Other receivables* - - - - - - - - - - - -
10. Commitments and contingencies - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
Page 11
EARNING ASSETS QUALITY AND OTHER INFORMATION
BANK : PT BANK OF INDIA INDONESIA TBK
DATE OF REPORT : 30 SEPTEMBER 2025 AND 30 SEPTEMBER 2024
(In millions of Rupiah)
INDIVIDUAL
No. ACCOUNTS 30 SEPTEMBER 2025 30 SEPTEMBER 2024
L DPK KL D M Total L DPK KL D M Total
II NON RELATED PARTIES
1. Placement with other banks 6,100 - - - - 6,100 9,777 - - - - 9,777
a. Rupiah 1,043 - - - - 1,043 850 - - - - 850
b. Foreign currencies 5,057 - - - - 5,057 8,927 - - - - 8,927
2. Spot and derivative/forward receivables 253 - - - - 253 50 - - - - 50
a. Rupiah 253 - - - - 253 50 - - - - 50
b. Foreign currencies - - - - - - - - - - - -
3. Securities 1,598,376 - - - - 1,598,376 1,953,902 - - - - 1,953,902
a. Rupiah 1,598,376 - - - - 1,598,376 1,953,902 - - - - 1,953,902
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Claims on securities bought under reverse repo 569,129 - - - - 569,129 402,283 - - - - 402,283
a. Rupiah 569,129 - - - - 569,129 402,283 - - - - 402,283
b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables 1,543 - - - - 1,543 - - - - - -
7. Loans and financing 3,610,673 242,527 70,246 37,281 137,622 4,098,349 3,405,455 157,270 37,836 101,801 157,429 3,859,791
a. Micro, small and medium enterprises (UMKM) 370,267 38,590 70,246 6,040 28,857 514,000 400,770 46,510 4,686 6,152 2,175 460,293
i. Rupiah 364,492 38,590 70,246 6,040 28,857 508,225 387,988 46,510 4,686 6,152 2,175 447,511
ii.. Foreign currencies 5,775 - - - - 5,775 12,782 - - - - 12,782
b. Non micro, small and medium enterprises (non UMKM) 3,240,406 203,937 - 31,241 108,765 3,584,349 3,004,685 110,760 33,150 95,649 155,254 3,399,498
i. Rupiah 2,722,937 143,143 - 31,241 17,969 2,915,290 2,589,836 101,638 33,150 6,000 28,924 2,759,548
ii.. Foreign currencies 517,469 60,794 - - 90,796 669,059 414,849 9,122 - 89,649 126,330 639,950
c. Restructured loans - 87,143 - - 99,571 186,714 - 18,469 - 95,649 151,754 265,872
i. Rupiah - 87,143 - - 8,775 95,918 - 9,347 - 6,000 25,424 40,771
ii.. Foreign currencies - - - - 90,796 90,796 - 9,122 - 89,649 126,330 225,101
8. Equity investment - - - - - - - - - - - -
9. Other receivables* - - - - - - - - - - - -
10. Commitments and contingencies 273,205 8 - - - 273,213 274,587 - - - - 274,587
a. Rupiah 217,661 8 - - - 217,669 266,655 - - - - 266,655
b. Foreign currencies 55,544 - - - - 55,544 7,932 - - - - 7,932
III OTHER INFORMATION
1. Value of bank's assets pledge as collateral : - -
a. To Bank Indonesia - -
b. To Other Parties - -
2. Foreclosed assets 59,855 113,235
Page 12
PT BANK OF INDIA INDONESIA TBK
ALLOWANCE FOR IMPAIRMENTS LOSSES ON EARNINGS ASSETS
AS OF 30 SEPTEMBER 2025 AND 30 SEPTEMBER 2024
(In millions of Rupiah)
30 SEPTEMBER 2025 30 SEPTEMBER 2024
Calculate Allowance Calculate Allowance
No. ACCOUNTS Allowance for Impairment for Possible Allowance for Impairment for Possible
Losses on Earning Assets Losses on Earning Assets
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific
1. Placement with other banks - - - 90 - - - - 108 -
2. Spot and derivative/forward receivables - - - 3 - - - - - -
3. Securities - - - - - - - - 370 -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - -
5. Claims on securities bought under reverse repo - - - - - - - - - -
6. Acceptance receivables - - - 15 - - - - - -
7. Loans and financing 7,820 3,494 43,974 31,795 58,926 21,266 2,924 115,524 29,081 191,984
8. Equity investment - - - - - - - - -
9. Other receivables* - - - - - - - - - -
10. Commitments and Contingencies 57 - - 244 1 237 - - 303 -
*) Among others, it consists of unaccepted sight L/C or usance LC receivables, purchased/overwritten traveler's checks, advances to customers, inkaso receivables, bailouts in the framework of government programs.
Page 13
BANK MANAGEMENT
Board of Commissioners:
President Commissioner : Sudhiranjan Padhi
Independent Commissioner : Handadjaja Sulaiman
Independent Commissioner : Lungguk Gultom
Directors:
President Director : K S B Chandramouli
Business Director : Chandra Sekhar Mukherjee
Operation Director : Carolina Dina Rusdiana
Finance Director : Rahmat Hendratama
Compliance Director : Dennis Kusuma Halim
SHAREHOLDERS
Controlling Shareholders (PSP):
- Bank of India 90.96%
Non-controlling shareholders through capital market (≥ 5%):
Nil -
Non-controlling shareholders not through the capital market (≥ 5%):
Nil -
Other Shareholders:
- Public (each Shareholding ≤ 5%) 9.04%
BANK OF INDIA SHAREHOLDERS
Indian Government 73.38%
Public 26.62%
Page 14
Notes:
● The publication report is presented to fulfill the following conditions:
1. Financial Services Authority Regulation Number 37/POJK.03/2019 dated 19 December 2019 regarding Transparency and Publication of Bank
Reports.
2. Financial Services Authority Circular Letter Number 9/SEOJK.03/2020 dated 30 June 2020 concerning Transparency and Publication of
Conventional Commercial Bank's Reports.
3. Financial Services Authority Regulation Number 14 / POJK.04/2022 dated 18 August 2022 concerning Submission of Periodic Financial Reports of
Issuers or Public Companies.
4. Regulation No. VIII.G.7 which is an attachment to the Decree of the Chairman of the Capital Market and Financial Institution Supervisory Agency
(“Bapepam-LK”) No. KEP-347/BL/2012 dated 25 June 2012 regarding Presentation and Disclosure of Financial Statements of Issuers or Public
Companies.
● Exchange rate as of December 31, 2024: 1 USD = Rp 16,095.00,-
Exchange rate as of September 30, 2024: 1 USD = Rp 15,140.00,-
Exchange rate as of September 30, 2025: 1 USD = Rp 16,665.00,-
Jakarta, October 30th, 2025
S.E., & O
PT Bank of India Indonesia Tbk
BOARD OF DIRECTORS
K S B Chandramouli Rahmat Hendratama
President Director Finance Director
PT Bank of India Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia, and a member of Indonesia Deposit
Insurance Corporation (Lembaga Penjamin Simpanan/LPS)
Names mentioned 17 people and organisations named in the text · linked when the evidence is strong
unresolved
person
K.H. Samanhudi
p.1
unresolved
person
H. Zainul Arifin
p.1
unresolved
org
Bank Indonesia
p.2 ×6
unresolved
org
Financial Services Authority
p.14 ×4
unresolved
org
Bapepam-LK
p.14 ×2
unresolved
org
India Indonesia Tbk
p.14 ×2
unresolved
org
Indonesia Deposit Insurance Corporation
p.14
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