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Page 1
Jakarta, 24 Oktober 2025
Nomor CSE/7/7655
Lampiran 1 (satu) set
Kepada
Yth. Otoritas Jasa Keuangan
Gedung Soemitro Djojohadikusumo
JI. Lapangan Banteng Timur 2-4
Jakarta 10710
Up. Kepala Eksekutif Pengawas Pasar Modal, Keuangan Derivatif, dan Bursa Karbon
Perihal Laporan lnformasi atau Fakta Material terkait Pemaparan Kinerja oleh Perusahaan
Tercatat Kepada Pihak Tertentu (Earnings Call)
Dengan ini kami untuk dan atas nama PT Bank Negara Indonesia (Persero) Tbk. ("Perseroan")
menyampaikan Laporan lnformasi atau Fakta Material untuk memenuhi Peraturan OJK No.
31/POJK.04/2015 tentang Keterbukaan lnformasi atau Fakta Material oleh Emiten atau Perusahaan
Publik sebagaimana telah diubah dengan Peraturan OJK No. 45/2024 tentang Pengembangan dan
Penguatan Emiten dan Perusahaan Publik, dan Peraturan Bursa Efek Indonesia No. I-E-Kep-
00015/BEl/01-2021 tentang Kewajiban Penyampaian lnformasi, serta peraturan terkait lainnya:
Nama Emiten : PT Bank Negara Indonesia (Persero) Tbk
Bidang Usaha : Perbankan & Kegiatan Usaha Penunjang Lainnya
Telepon : 021-5728387
Alamat surat elektronik (email) : corporate.secretary@bni.co.id
1. Tanaaal keiadian 24 Oktober 2025
2. Jenis lnformasi atau Fakta lnformasi atau Fakta Material lainnya:
Material Perseroan menyelenggarakan Earnings Call Kinerja
September 2025
3. Uraian lnformasi atau Fakta
Material
4. a. Dampak terhadap -
keaiatan operasional
b. Dampak hukum -
C. Dampak terhadap kondisi -
keuangan atau
kelangsunQan usaha
5. KeteranQan lain-lain Materi Earninas Call Kinerja 30 September 2025 terlamoir
Demikian laporan informasi atau fakta material ini kami sampaikan, atas perhatian dan kerjasamanya
• capkan terima kasih.
k Negara Indonesia (Persero) Tbki
ate Secretary, fl
Okki Ru hartomc
Corporate ccn:tar)
Tembusan: Yth. Otoritas Jasa Keuangan - Kepala Departemen Pengawasan Bank Pemerintah
Yth. Direksi PT Bursa Efek Indonesia - Up. Divisi Penilaian Perusahaan 3
PT Bank Negara Indonesia (Persero)Tbk
Kantor Pusat
JI. Jenderal Sudirman Kav. l
Jakana 10220, Indonesia
www.bnl.co.1d
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Corporate
Presentation
3Q2025
PT Bank Negara Indonesia (Persero), Tbk.
Jakarta, 24 October 2025
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
1
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
◎ Management Highlights 03
◎ Macroeconomic Highlights 10
◎ Financial Highlights 15
Highlighted Results 16
Balance Sheet Highlight 16
Profit or Loss 16
Loan Composition 20
Loan Disbursement 21
Third Party Fund 22
Table of Contents Liquidity (LCR, NSFR & LDR Ratios)
Fee Based Income (FBI)
Operating Expense (OPEX)
23
24
25
◎ Asset Quality 26
Loan at Risk 27
LAR by Segment, Write Off & Recovery 28
NPL Formation & Write off Vintage 29
Sufficient Provisioning in line with risk appetite 30
LAR, NPL & Provision Coverage trend 31
◎ Digital Initiatives 32
◎ Business & Consumer Banking 39
◎ ESG 42
◎ About BNI 53
◎ 5 Years Financial Data 65
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
2
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Management Highlights
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
Building a stronger, more balanced BNI
Refining loan growth mix
CASA growth acceleration
for a more balanced portfolio
Loan Growth by Segment*
Current Account growth YoY Savings Deposit growth YoY
14.3% 13.9%
12.4% 10.5% YoY (Sep-25)
10.6% 11.1% 14.0%
9.6% 8.2% CAGR (2019 – 2024) 12.6%
6.3%
1.5% 7.4%
4.0%
-3.5%
-24.1%
Middle SME non-KUR Corporate Consumer KUR Sep-24 Sep-25 Sep-24 Sep-25
2019 – 2024 CAGR (%) Sep-25 YoY (%) Consolidated
Our strength lies on capital, liquidity,
Strong fee growth and cost discipline
and asset quality
11.5% 13.1 Tn 16.8%
86.9%
11.8 Tn 19.8% 11.8% -140bps
10.4%
4.0%
9M24 9M25 KBMI 4 * BNI Sep-25 Sep-25 Sep-24 Sep-25
Fee Based Income (IDR Tn) OPEX growth YoY Tier-1 CAR (%) LDR (%) LAR (%)
*KBMI 4 excl. BNI as of 8M25
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 growth in Medium & SME: Our strategy for quality expansion
Stronger net expansion with smaller write-off Backed by prudent expansion strategies
Medium Segment Loan Movement
2019 – September 2025 (IDR Tn)
Robust credit scoring tools, fully utilized since 2024
3.3 1
13.1 for SME.
8.6 18.9 18.0
Tactical Account Planning (TAP) to optimize customer
109.9 109.9 119.7 119.7
102.2 102.2 91.9 91.9 2 profitability both from lending and non-lending
business.
Dec-19 Re-Segmentation Cumulative 5Y Cumulative Dec-24 YTD Sep-25 YTD Sep-25 Sep-25
Synergy with Corporate and Institutional Banking to
Write-Off Net Expansion
Pre Write-Off
Net Expansion
Pre Write-Off
Write-Off
3
capture value chain opportunity.
SME Non-KUR Segment
SME Non-KUR Segment Loan Movement
2019 – September 2025 (IDR Tn)
Competitive service level and lending policy:
4 ➢ Loan processing accelerated by 2 weeks, powered by
enhanced lending tools.
4.4 2.1
5.8 ➢ Fine-tuning Risk Acceptance Criteria (sectoral lending
9.4 5.4 policy) for 18 sectors.
51.0 46.6 46.3 46.3
42.6 42.6
37.2 37.2
Empowering capability-enhanced outlets as key point
5
of sales.
Dec-19 Re-Segmentation Cumulative 5Y Cumulative Dec-24 YTD Sep-25 YTD Sep-25 Sep-25
Write-Off Net Expansion Net Expansion Write-Off
Pre Write-Off Pre Write-Off
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
From digital adoption to financial results
Sustained growth across digital Testament of stronger user Resulted in robust low-cost funding
channels engagement and fee income growth
Expands its digital foothold with
rising user adoption
CASA +13.3% YoY
# of Users (in Mn)
+20% YoY > Current Account +14.0% YoY
3.8x # of Regular Savings
YoY accounts > Savings Account +12.6% YoY
10.5
2.8 Fee-based income from digital channels
Sep-24 Sep-25 was supported by…
+19% YtD Account
1.8 Tn (+10% YoY)
Maintenance
# of Payroll account
Empowering businesses through e-Channel 1.2 Tn (+9% YoY)
seamless digital solutions
Retail Bond &
# of Users (in 000) Mutual Fund 0.1 Tn (+49% YoY)
Collection, API
22.7% & Cash pooling 0.5 Tn (+18% YoY)
YoY
+15% YoY
# of transactions
213
174 in BNIdirect IDR 3.6 Tn in 9M25 (+11% YoY)
Sep-24 Sep-25
Eq. ~30% of Total Fee-based Income
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
Positive shift in the liquidity environment
Supportive monetary policy Fiscal spending accelerated
0.3%
8.0 7.30
6.43 6.19 -1.1%
67.6 -1.6%
6.4 4.82
6.00 6.1
-2.8%
4.8 5.75 924 891 783 (243.4)
5.50 709
(371.5)
4.75 **
Dec-24 Mar-25 Jun-25 Sep-25 Dec-24 Mar-25 Jun-25 Sep-25 (662.0)
Benchmark SRBI Ownership (IDR Tn) 9M23 9M24 9M25 Gov. Outlook 2025
M2 Growth (% YoY)
Rate (%) SRBI 1Y Rate EoM (%)
Source: BI Fiscal Surplus/Deficit (IDR Tn) Percentage of GDP(%) Source: MoF
CASA-first strategy CoF showed early signs of easing
YTD Net Expansion in CASA is higher than in Loans
3.1%
2.9% 3.0%
2.8%
CASA Loan
+50.1 Tn +36.3 Tn
(+9% YtD) (+5% YtD)
Jun-25 Jul-25 Aug-25 Sep-25
MtD Cost of Third Party Funds (%)
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
NIM Guidance Revision
FY25 Original Aspiration 9M25 Results FY25 New Aspiration
Loan
Growth 8.0 - 10.0% 10.5% 8.0 - 10.0%
(% YoY) (no changes)
Net
Interest ≥ 3.8% 3.8% ± 3.7%
Margin (new guidance)
bank only
Credit
± 1.0% 1.0% ± 1.0%
Cost (no changes)
bank only
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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Macroeconomic Highlights
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
9
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Rupiah performance has been below peers YTD amid economic volatility
The Rupiah depreciated by -3.5% YTD, The weakening rupiah was partly driven by foreign
whereas peers strengthened by 5-6% portfolio outflows of –USD 9.1bn in 9M25
Exchange Rate Performance Sep-2025 (%) Foreign Flows (In USD)
As of 30-Sep-25
10.00
8.00
6.00
EU 11.8% 4.00
South Africa 8.3% 2.00 1.94
0.00
UK 6.9% -2.00
-4.00 -3.22
Average Ex Arg & Tur 6.5% Equity Government Bonds SRBI Total
-6.00 -7.82
Malaysia 5.9% -8.00
-9.10
-10.00
Japan 5.9%
Singapore 5.5%
Data as of :
EM Average - Ex Arg & Tur 30 Sep2025 5.4% Source: CEIC, BNI OCE
Thailand 5.0%
Fortunately, Indonesia’s large trade surplus
South Korea 4.6% prevented further currency weakening
ASEAN Avg 3.9% Trade Data
70%
Canada 3.2% 11
50% 9
China 2.4%
7
30%
Russia 0.0% 5
10%
Philippines -0.6% 3
1
Indonesia -3.5% -10%
-1
India -3.7% -30%
-3
DXY* -9.9% -50% -5
Feb-25
May-25
Aug-18
Feb-23
Aug-23
Nov-18
Feb-21
Aug-21
Nov-21
Feb-22
Nov-22
Nov-23
Feb-19
Nov-19
Feb-20
Nov-20
May-21
May-22
May-23
Feb-24
Nov-24
May-19
May-20
Aug-22
May-24
Aug-19
Aug-20
Aug-24
Aug-25
-15% -10% -5% 0% 5% 10% 15%
Trade balance (US$ bn) - RHS Exports (%YoY) Imports (%YoY)
Source: Bloomberg, BNI OCE
Source: CEIC, BNI OCE
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 domestic side, the frequent indicators have yet to develop significantly in 3Q25
Consumer Confidence Index (CCI) decreased further, The weakening of core inflation (excluding gold)
where the confidence of the aspiring indicates a moderate purchasing power
middle-income class weakened
CCI by Spending Level Headline Inflation and Non-Gold Core Inflation (% YoY)
150 3.00 2.65 1.90
140 1.80
2.50
130 1.70
120 2.00 2.19 1.60
110
1.50 1.50
100
90 1.00 1.40
80 Decoupling CCI 0.50 1.37 1.30
70 <100 Pessimistic post pandemic 1.20
60 0.00 1.10
Jun - 19
Dec - 22
Dec - 23
Dec - 20
Jun - 24
Dec - 24
Mar - 20
Jun - 20
Jun - 21
Dec - 21
Mar - 22
Jun - 22
Mar - 23
Jun - 23
Jun - 25
Mar - 25
Sep - 23
Mar - 24
Sep - 24
Mar - 19
Sep - 19
Sep - 20
Mar - 21
Sep - 21
Sep - 22
Sep - 25
Dec - 19
-0.50 1.00
Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25
IDR 1 - 2 Million > IDR 5 Million IDR 2,1-5 Million Overall CCISource: CEIC, BNI OCE Headline Core Core Non-Gold - RHS Source: CEIC, BNI OCE
Car sales contracted, whereas motorcycle sales Furthermore, imports contraction suggested a
slightly picked up, which might have reflected modest domestic demand
downtrading activities
Car and Motorcycle Sales (% YoY) Import based on Classification (YoY %)
30 100%
80%
20
60%
10 0.72 40%
0 20%
-10 0%
-20 -20%
-19.03 -40%
-30
-60%
Dec-24
May-24
Aug-24
Oct-24
May-25
Feb-24
Feb-25
Aug-25
Jan-24
Mar-24
Apr-24
Jul-24
Nov-24
Jun-25
Jun-24
Sep-24
Jan-25
Mar-25
Jul-25
Apr-25
Aug-19
May-21
Aug-18
Nov-21
May-23
Nov-23
Nov-20
Feb-21
Feb-22
May-22
Nov-22
May-24
Feb-20
Feb-23
Nov-24
Feb-25
May-20
Feb-24
May-25
May-19
Nov-19
Aug-21
Nov-18
Feb-19
Aug-20
Aug-22
Aug-23
Aug-24
Aug-25
Car Sales Motorcycle Sales Total Imports Consumer goods Raw materials Capital goods
Source: CEIC, BNI OCE Source: CEIC, BNI OCE
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
The government's focus on MBG and food security is expected to support improvements in
consumption
The government set a budget of Rp335tn for the Excluding the MBG, government spending is
MBG next year expected to grow by only 4.8% in 2026
Fiscal Expenditure (Rp tn)
MBG Budget 2026 4,000
3,842.7
Main Budget: Rp268tn 3,800
+8.9% 268
Reserve: Rp67tn 3,600 3,527.5
Total Budget: Rp335tn 117
3,400 +129.1%
3,574.7
3,200 3,410.5
Target Recipients: 82.9 million people 3,000
+4.8%
=> Students, toddlers, and pregnant women 2025 Government Outlook 2026 APBN
Expenditure Ex. MBG MBG
Source: MoF, BNI OCE Source: MoF, BNI OCE
Food security budget is increased by 6% in the 2026 State Budget The expansion of pro-consumption programs will help
as part of the government's initiative accelerate fiscal spending in the first half of 2026
to attain food self-sufficiency
Food Security Spending Fiscal Spending Realization (% of FY Figure)
180 50%
48
160 164 46.5
155
160 40%
Change (% YoY)
140
46 44.8
115 38.6% 30% 44.5
120 110
100 44 43.1
100 85 81 74.5 86 89 20% 43 42.7 Average: 42.7
Rp tn
80 5.9% 10% 42 41.6
60
42 41.2
0% 40.2 40.2
40
20 -2.7% -10% 40
0 -20%
38
2022
2021
2024
2020
2017
2023
2016
2018
2019
2025 Govt
Budget
Outlook
2026
36
1H14 1H15 1H16 1H17 1H18 1H19 1H20 1H21 1H22 1H23 1H24
Food Security Spending % Change - RHS
Source: MoF, BNI OCE Source: MoF, BNI OCE
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's accommodative policy is expected to continue next year
BI has lowered the BI-Rate by 125 bps to 4.75% in BI also supports the economy through liquidity
Jan-Sep 2025 expansion policies
BI-Rate, Deposit Facility Rate & Lending Facility Rate (%)
8
7
Liquidity Support
6
5.75 KLM Expansion : Rp91tn
5.50
5 5.00 PLM Reduction : Rp70tn-90tn
4.75
4 Purchase of Government Bonds in the secondary market:
4.25
3 3.75 Rp160tn
2
May-22
Nov-22
Mar-22
Sep-22
Sep-23
Sep-24
Sep-25
Jan-22
Jan-23
Jul-22
Jan-24
May-24
Jul-24
Nov-24
Jan-25
Nov-23
May-25
Mar-23
May-23
Jul-25
Jul-23
Mar-24
Mar-25
Total support : Rp221tn-241tn
BI-Rate Deposit Facility Lending Facility
Source: BI, BNI OCE Source: BI, BNI OCE
We believe BI still has room to lower the BI-Rate Accomodative fiscal and monetary policies would
by 25 bps this year and by 25-50 bps next year accelerate rate cut transmission
BI-Rate (%) Interest Rate Change YTD (bps) - as of 15-Sep-2025
6.5 0
6.00 6.00 -7
6.0 -16
-50
5.50
5.5 -66
5.00 -100
5.0 -100
4.50
4.5 4.00-4.25 -150
-159
4.0 3.75
3.50 -200
3.5
-221
-250
3.0
SRBI 1Y INDONIA BI-Rate Govt Bond Time Deposit Lending
2019 2020 2021 2022 2023 2024 2025F 2026F *as of Aug-2025 10Y 1M Rate* Rate*
Source: BI, BNI OCE Source: BI, BNI OCE
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's accommodative policy has been positive for the liquidity situation
BI-Rate vs SRBI Rate (%) SRBI Outstanding (Rp tn)
7.57.30 1,200
SRBI
7 1,000 923
709
6.5 800
6.00
6 600
5.5 400
5 4.82 200
4.5 4.75 -
May IV 2025
Jun II 2024
Jan III 2024
Mar IV 2024
Oct IV 2024
Jan I 2025
Mar II 2025
Aug III 2024
Sep IV 2025
July IV 2025
Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25
SRBI 1 Year BI-Rate
Source: Bloomberg, BNI OCE Source: BI, BNI OCE
INDONIA is now 73 bps below BI-Rate, The ample liquidity situation is also reflected
suggesting ample liquidity by the lower repo demand to BI
BI Rate–IndONIA Spread vs. BI’s Available Liquidity BI OMO Expansionary/Repo (Rp tn)
1.0 140 250
0.8 126.4 120 218
0.6 200 Repo
0.73100
0.4
80 150
0.2 Normal BI Rate and INDONIA Spread
60
0.0 100
-0.2 40
Average Repo: Rp28tn
-0.4 20 50
-0.6 0 11
0
Sept III…
Sept III…
Sept III…
May IV…
May IV…
Sep IV…
Sep-24
Jul-25
Sep-25
Oct-24
Jan-25
Oct-25
Nov-24
Feb-25
Dec-24
May-25
Apr-25
Aug-24
Jun-25
Mar-25
Aug-25
Jan IV 2024
Jan III 2020
Jan III 2022
Jan III 2021
Mei III 2021
Mei III 2020
Sep IV 2022
Sep IV 2023
June I 2025
Jan IV 2023
Feb I 2025
Oct I 2024
Jun I 2024
Diff BI Rate and INDONIA BI's available liquidity
Source: BI, Bloomberg, BNI OCE Source: MoF, BNI OCE
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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Financial Highlights
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
15
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
9M25 Strategy: Solidifying liquidity and asset quality for growth in coming quarters
Highlighted Results (IDR Bn) 9M24 9M25 YoY (%) 3Q24 4Q24 1Q25 2Q25 3Q25 QoQ (%)
Total Asset 1,068,080 1,269,486 18.9 1,068,080 1,129,806 1,146,583 1,201,653 1,269,486 5.6
Loan 735,018 812,195 10.5 735,018 775,872 765,469 778,681 812,195 4.3
Third Party Funds 769,739 934,326 21.4 769,739 805,511 819,580 899,865 934,326 3.8
B/S CASA 541,194 613,383 13.3 541,194 563,278 577,807 647,554 613,383 -5.3
[Consolidated]
Current Account 302,260 344,455 14.0 302,260 305,734 319,983 381,639 344,455 -9.7
Savings Account 238,934 268,928 12.6 238,934 257,544 257,824 265,915 268,928 1.1
Time Deposit 228,545 320,943 40.4 228,545 242,233 241,774 252,311 320,943 27.2
Net Interest Income 29,439 29,253 -0.6 10,367 11,042 9,834 9,681 9,737 0.6
Interest Income 48,836 51,167 4.8 16,663 17,747 16,713 16,901 17,553 3.9
Interest Expense (19,398) (21,194) 13.0 (6,296) (6,705) (6,879) (7,220) (7,815) 8.3
P&L
Non Interest Income 16,837 17,252 2.5 5,913 7,198 5,217 5,390 6,645 23.3
OPEX (20,989) (21,832) 4.0 (7,434) (8,700) (6,740) (7,225) (7,867) 8.9
[Consolidated]
PPOP 25,287 24,673 -2.4 8,845 9,540 8,312 7,846 8,515 8.5
Provisioning Charges (5,389) (6,121) 13.6 (1,878) (2,822) (1,760) (2,027) (2,333) 15.1
Net Profit 16,308 15,115 -7.3 5,617 5,155 5,380 4,714 5,021 6.5
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Strong foundation: 86.9% LDR | 21.1% CAR | solid LCR & NSFR
Highlighted Results (%) 9M24 9M25 YoY (%) 3Q24 4Q24 1Q25 2Q25 3Q25 QoQ (%)
CASA Ratio (Consolidated) 70.3 65.6 -4.7 70.3 69.9 70.5 72.0 65.6 -6.4
CoF (Third Party Funds) 2.7 2.8 0.13 2.60 2.65 2.75 2.81 2.93 0.12
Profitability & NIM 4.2 3.8 -0.4 4.4 4.5 3.9 3.7 3.6 -0.1
Efficiency ROAE* 14.7 12.7 -2.0 14.9 12.9 13.3 12.3 12.5 0.2
[Bank Only]
Pre-tax ROAA 2.5 2.2 -0.3 2.7 2.4 2.4 2.1 2.1 0.0
CIR 43.8 46.1 2.3 44.0 46.6 43.8 47.1 47.3 0.2
LAR 11.8 10.4 -1.4 11.8 10.3 10.9 11.0 10.4 -0.6
NPL (Gross) 2.0 2.0 0.0 2.0 2.0 2.0 1.9 2.0 0.1
Asset Quality Credit Cost 1.0 1.0 0.0 1.0 1.5 0.9 1.0 1.1 0.1
[Bank Only]
LAR Coverage Ratio 47.4 41.9 -5.5 47.4 48.8 47.3 43.1 41.9 -1.2
NPL Coverage Ratio 284.2 222.7 -61.5 284.2 255.8 263.1 243.4 222.7 -20.7
LDR 95.3 86.9 -8.4 95.3 96.1 93.1 86.2 86.9 0.7
Liquidity LCR 160.4 167.4 6.9 160.4 155.9 150.9 144.2 167.4 23.2
[Bank Only]
NSFR 136.6 142.1 5.5 136.6 132.5 137.8 143.0 142.1 -0.9
Tier-1 CAR 20.3 19.8 -0.5 20.3 20.0 20.9 19.7 19.8 0.1
Capital
[Bank Only] Total CAR 21.8 21.1 -0.7 21.8 21.4 22.3 21.1 21.1 0.0
*ROAE with average total equity as denominator ; 14.1% in 9M25 if the denominator is Tier 1 Capital as reported to OJK
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
A Balance Sheet positioned for growth and lower costs
Growth - %
Consolidated Balance Sheet (IDR Bn) Sep-24 Dec-24 Mar-25 Jun-25 Sep-25
QoQ YoY
Total Assets 1,068,080 1,129,806 1,146,583 1,201,653 1,269,486 5.6 18.9
Placement with other banks & BI 15,076 17,076 26,516 69,744 33,018 -52.7 119.0
Current Account with Bank Indonesia 43,101 51,669 43,169 35,942 92,683 157.9 115.0
Marketable Securities [market value] 42,246 48,534 51,968 52,412 58,959 12.5 39.6
Government Bonds [market value] 130,287 132,072 134,026 135,127 142,235 5.3 9.2
Loans (gross) 735,018 775,872 765,469 778,681 812,195 4.3 10.5
Third Party Funds 769,739 805,511 819,580 899,865 934,326 3.8 21.4
CASA 541,194 563,278 577,807 647,554 613,383 -5.3 13.3
• Current Account 302,260 305,734 319,983 381,639 344,455 -9.7 14.0
• Saving Account 238,934 257,544 257,824 265,915 268,928 1.1 12.6
Time Deposits 228,545 242,233 241,774 252,311 320,943 27.2 40.4
Deposits from other Banks 13,877 18,548 14,007 11,456 14,741 28.7 6.2
Marketable Securities Issued 29,144 30,674 31,435 26,964 32,569 20.8 11.8
Borrowings 34,995 42,931 38,846 39,436 42,088 6.7 20.3
Shareholders’ Equity 162,170 167,187 173,014 165,188 171,610 3.9 5.8
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Strong revenue momentum in Q3 and prudent financial management
Consolidated Profit & Loss (IDR Bn) 9M24 9M25 YoY (%) 3Q24 4Q24 1Q25 2Q25 3Q25 QoQ (%)
Interest Income 48,836 51,167 4.8 16,663 17,747 16,713 16,901 17,553 3.9
Interest Expense (19,398) (21,914) 13.0 (6,296) (6,705) (6,879) (7,220) (7,815) 8.3
Net Interest Income 29,439 29,253 -0.6 10,367 11,042 9,834 9,681 9,731 0.6
Insurance & Investment Income – Net* 1,215 581 -52.2 428 509 137 206 238 15.4
Fee-based Income 11,754 13,109 11.5 4,001 4,532 4,014 4,046 5,049 24.8
Recovery 3,868 3,562 -7.9 1,483 2,157 1,067 1,137 1,358 19.5
Non Interest Income 16,837 17,252 2.5 5,913 7,198 5,217 5,390 6,645 23.3
Operating Income 46,275 46,505 0.5 16,279 18,240 15,051 15,071 16,383 8.7
Operating Expense (20,989) (21,832) 4.0 (7,434) (8,700) (6,740) (7,225) (7,867) 8.9
Pre-Provision Income (PPOP) 25,287 24,673 -2.4 8,845 9,540 8,312 7,846 8,515 8.5
Provisioning Charges (5,389) (6,121) 13.6 (1,878) (2,822) (1,760) (2,027) (2,333) 15.1
Net Income before Tax 19,866 18,439 -7.2 6,934 6,716 6,519 5,798 6,122 5.6
Net Income 16,308 15,115 -7.3 5,617 5,155 5,380 4,714 5,021 6.5
*Starting in 2025, BNI Life implemented IFRS 17 from previously IFRS 4
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Strategic Loan growth with risk discipline
(IDR Tn)
Growth - % Loan Yield by Segment (%) – Bank Only
Segment Sep-24 Dec-24 Mar-25 Jun-25 Sep-25
QoQ YoY
Segment 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25
Corporate 400.8 431.4 426.0 435.8 450.7 3.4 12.4
Corp. Private & Blended Loan 7.7 7.9 7.4 7.3 7.2 7.6 7.3
287.3 317.6 309.7 314.6 327.7 4.2 14.1
Institutions
Corporate Corporate 6.9 7.0 6.5 6.5 6.4 6.8 6.5
113.5 113.8 116.3 121.2 122.9 1.4 8.3
SOE
Medium 7.7 7.5 8.2 7.9 7.6 7.8 7.9
Business Banking
Medium 104.7 109.9 103.9 105.4 119.7 13.6 14.3
Small 9.8 11.7 9.4 9.0 8.6 9.7 9.0
Enterprise 55.4 58.1 55.0 54.3 64.8 19.3 17.0
Consumer 8.8 9.1 8.4 8.2 8.4 8.4 8.3
Commercial 49.3 51.8 48.9 51.1 54.9 7.5 11.3
IDR Yield 8.0 8.5 7.8 7.7 7.5 7.9 7.7
Small 77.4 75.8 73.7 73.2 74.2 1.3 -4.1 FX Yield 6.5 6.0 5.8 5.8 5.7 6.2 5.8
Govt Subs
36.7 33.2 30.7 28.8 27.8 -3.6 -24.1
Loan (KUR)
SME Non-KUR 40.7 42.6 43.0 44.4 46.3 4.4 13.9
Loan Composition (IDR Tn)
Subtotal 582.9 617.1 603.6 614.5 644.6 4.9 10.6
Mortgage 63.8 66.5 67.6 68.4 69.8 2.0 9.4 735.0 775.9 765.5 778.7 812.2
Consumer
Personal Loan
120.0% 900.0
55.9 58.0 59.3 60.1 61.4 2.2 9.9
100.0%
2.1% 2.1% 2.2% 2.2% 2.1% 8 00.0
Credit Card 14.6 15.0 14.9 15.4 16.0 3.4 9.1
18.6% 18.4% 18.9% 18.9% 18.5% 700.0
9.8% 9.1%
80.0%
Others 2.7 3.1 3.1 3.1 3.1 -0.2 12.0 10.5% 9.6% 9.4%
14.7%
600.0
60.0%
14.2% 14.2% 13.6% 13.5%
Subtotal 137.0 142.5 144.9 147.0 150.2 2.2 9.6
500.0
40.0%
400.0
Subsidiaries 15.1 16.2 16.9 17.2 17.4 1.4 15.3 20.0%
54.5% 55.6% 55.7% 56.0% 55.5%
300.0
Total Consolidated 735.0 775.9 765.5 778.7 812.2 4.3 10.5
0.0% 200.0
Sep-24 Dec-24 Mar-25 Jun-25 Sep-25
Working Capital 423.2 451.8 437.2 442.9 462.8 4.5 9.4
Subsidiaries Consumer Small Medium Corporate
Investment Loan 170.3 177.1 178.6 184.5 194.8 5.6 14.4
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Rp 182.5 trillion loan disbursed in 3Q25, driven by top tier clients
QoQ Loan Movement (IDR Tn) – Bank Only Top 3 Industries Contributing to QoQ Loan Growth in Sep-25
182.5 145.4 3.8
Outstanding Increase (IDR Tn)
Corporate : 72.3 Tn
Medium : 78.5 Tn 16%
Natural Resources 7.2
Enterprise : 43.8 Tn
763.3 796.5
Commercial : 34.7 Tn
Infrastructure 2.7 5%
Small : 9.0 Tn
Consumer : 22.6 Tn General Trading 1.8 5%
Jun-25 Disbursement Install/Paid-Off Write-Off Sep-25
YoY Loan Movement (IDR Tn) – Bank only Top 3 Industries Contributing to YoY Loan Growth in Sep-25
574.9 483.8 16.3 Outstanding Increase (IDR Tn)
Social Services 37%
10.8
Corporate : 308.7 Tn (Govt Inst & Healthcare)
Medium : 153.2 Tn Telecommunications 8.6 20%
Enterprise : 72.0 Tn 796.5
721.8 : 81.1 Tn Infrastructure 7.6 17%
Commercial
Small : 33.9 Tn
Consumer : 79.2 Tn
Sep-24 Disbursement Install/Paid-Off Write-Off Sep-25
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Funding resilience in a competitive market dynamic
CASA +13.3 % YoY Third Party Funds Composition
(IDR Tn) (IDR Tn)
Growth - % 120.0% 5
Segment Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 769.7 805.5 819.6 899.9 934.3
QoQ YoY
-5
100.0%
-15
CASA 541.2 563.3 577.8 647.6 613.4 -5.3 13.3 80.0%
29.7% 30.1% 29.5% 28.0% 34.4% -25
-35
Current Account 302.3 305.7 320.0 381.6 344.5 -9.7 14.0
31.0% 31.5% 29.6%
60.0%
32.0% 28.8%
-45
Saving Account 238.9 257.5 257.8 265.9 268.9 1.1 12.6 40.0% -55
42.4%
-65
Time Deposit 228.5 242.2 241.8 252.3 320.9 27.2 40.4 20.0%
39.3% 38.0% 39.0% 36.9% -75
Third Party Funds 769.7 805.5 819.6 899.9 934.3 3.8 21.4 0.0% -8 5
Sep-24 Dec-24 Mar-25 Jun-25 Sep-25
CASA Ratio 70.3% 69.9% 70.5% 72.0% 65.6% -6.3 -4.7
Current Account Saving Account Time Deposit
Cost of Third-Party Funds (%) – Bank Only MtD Cost of Third-Party Funds (%) – Bank Only
5.13 5.10
4.86 4.81 4.82 4.87 4.95
4.65
4.20 3.1%
3.97
2.9% 3.0%
3.32 3.41
2.93
2.8%
2.79 2.72 2.65 2.75 2.81
2.47 2.54 2.60
2.35 2.35 2.25
2.07 2.82 2.74
1.75 1.87 2.48 2.53 2.62 2.57
2.37 2.44
1.46 1.38 1.40 2.09
1.80 1.77
1.38 1.40 1.52
1.33
1.00 1.06 1.13
0.56 0.61 0.61 0.58 0.56 0.63 0.67 0.72 0.76 0.80
0.58 0.55
1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Jun-25 Jul-25 Aug-25 Sep-25
Current Account Saving Account Time Deposits Cost Of Third Party Fund MtD Cost of Third Party Funds (%)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
LCR and NSFR well above regulatory requirement (bank only)
Short-Term Obligations Have Been Well Covered..... .... As Well As for Supporting Long-Term Assets
250.1%
230.2%
215.3% 219.0%
203.4% 204.8%
193.1%
183.5%
174.1% 176.0%
167.4%
160.8% 160.4%
155.9%
151.8% 164.1% 150.9%
144.2%
154.1% 155.1%
133.4% 145.3% 146.3%
126.1% 143.0% 142.1%
124.2% 139.1% 137.2% 136.6% 137.8%
132.5%
Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25
LCR (Liquidity Coverage Ratio) NSFR (Net Stable Funding Ratio)
LDR is Also Manageable, Well Within Regulatory Framework
112.6%
101.6%
103.9% 96.7% 100.5%
94.1% 95.1%
94.0% 96.2% 96.1% 94.3%
92.3%
89.5% 93.1%
89.7% 91.2% 90.9% 95.3% 94.9% 86.4%
85.2% 87.7% 87.4% 88.8% 89.0% 93.3%
95.0% 92.6% 86.9%
90.1% 86.2%
84.2% 85.4% 85.2%
88.5% 89.8% 87.0%
79.7% 85.8% 85.3% 85.2%
85.8%
82.0% 82.5%
76.9% 77.5% 76.9%
75.2%
Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25
IDR FX Blended
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
Fee-based Income breakdown
Solid growth in Trading Activities Fee
Breakdown of Non-Interest Income
supported by favorable rate environment (IDR Bn)
(IDR Bn)
Bank-only
Fee-based Income 9M24 9M25 YoY % 4Q24 1Q25 2Q25 3Q25 QoQ %
12,778
Consumer Banking 5,238 5,815 11.0 1,931 1,845 1,837 2,133 16.1 4,895 11,517
4,275 1,799
Account Maintenance 1,615 1,771 9.6 607 534 559 678 21.4 3,925 3,874 4,009 685 1,380
588 2,324 3,081
ATM & e-Channel 1,138 1,245 9.5 411 401 405 439 8.6 488 554 1,264
797 561
797 829 988
Debit Card Maintenance 391 395 0.9 119 122 135 138 1.7
2,890 2,946 7,814 7,897
PPOB & Bill payment 294 283 -3.9 89 85 98 100 2.2 2,640 2,483 2,468
Remittance 208 201 -3.1 79 72 62 67 8.8
Card Business, Bancass, etc 1,592 1,920 20.6 626 631 579 711 22.8 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25
Other Fee Income Trading Activities Banking Activities
Business Banking 6,280 6,962 10.9 2,344 2,029 2,172 2,761 27.1
Trade Finance 839 524 -37.5 270 216 149 159 6.1
Key Fee Income Growth Contributors
Marketable securities 1,276 2,290 79.4 583 594 747 949 27.0 (IDR Bn)
Bank-only
FX Trading, Revaluation &
1,047 791 -24.4 214 235 241 315 30.6 Marketable Securities ATM & e-Channel Account Maintenance
Derivatives
Pension Fund 169 183 8.3 60 57 62 64 3.3 9.6%
9.5%
Syndication 655 664 1.3 350 174 128 361 181.0 79.4%
Share Investment, Custody,
2,293 2,511 9.5 867 751 845 915 8.3 1,771
Coop Fee, Etc
2,290
Total Fee-based Income 1,138 1,615
11,517 12,778 10.9 4,275 3,874 4,009 4,895 22.1 1,245
(Bank Only)
1,276
Other Subsidiaries 237 331 39.8 256 140 37 154 317.2
Total Fee-based Income
11,754 13,109 11.5 4,531 4,014 4,046 5,049 24.8 9M24 9M25 9M24 9M25 9M24 9M25
(Consolidated)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Variable remuneration & digitalization drove opex in 3Q25
Opex Composition Cost to Income and Cost to Asset ratio
(IDR Bn)
Bank-only
Operating Expenses 9M24 9M25 YoY-% 4Q24 1Q25 2Q25 3Q25 QoQ-%
46.1%
44.2% 43.3% 44.6% 43.8%
Personnel Expenses 9,831 10,483 6.6 4,184 3,274 3,291 3,917 19.0 42.6% 42.9%
Base Salary 3,386 3,562 5.2 1,140 1,194 1,190 1,178 -1.0
Other Allowance 3,043 3,534 16.1 2,083 902 904 1,728 91.1
Post Employee Benefits 2,393 2,577 7.7 614 926 928 723 -22.0
2.6% 2.5% 2.5% 2.5% 2.5% 2.5% 2.4%
Training 157 122 -21.9 44 34 47 42 -9.0
Subsidiaries 852 687 -19.4 303 219 223 245 9.8 2020 2021 2022 2023 2024 9M24 9M25
Digitalization & CIR Cost to Asset
1,297 1,446 11.5 454 502 439 505 15.1
Transactional
G&A Expenses 5,577 5,490 -1.6 2,334 1,593 1,986 1,911 -3.8
IT & Telecommunication 1,070 1,040 -2.8 405 248 472 319 -32.5 Quality over Quantity
Occupancy Related 485 462 -4.7 147 142 158 162 2.3
PERSONNEL EXPENSES NUMBER OF
Promotion 578 745 28.7 470 168 246 330 34.2
Headcount priority (IDR Bn) EMPLOYEE
Transport & Travel 172 186 7.8 65 50 77 59 -23.7 toward business &
digital units
Goods, Prof. Services &
2,836 2,658 -6.3 972 854 911 893 -2.0
Others
Subsidiaries 434 399 -8.1 276 131 121 147 21.5
Result-oriented reward
Other Expenses 3,927 4,314 9.9 1,607 1,338 1,478 1,498 1.4 9,831
scheme calibration to 10,483 27,150 27,069
Other Subsidiaries* 357 100 -72.0 121 33 31 36 18.4
retain and attract top
talents
Total Operating Expenses 20,989 21,832 4.0 8,700 6,740 7,225 7,867 8.9
9M24 9M25 Sep 24 Sep-25
*Starting in 2025, BNI Life implemented IFRS 17 from previously IFRS 4
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
25
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Asset Quality
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
26
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Strengthening Risk Discipline: Portfolio Improvements Offset by Selective Consumer
Pressures
Loan at Risk (IDR Tn) Current Restructured Loan (IDR Tn)
89.0 91.4 88.2 85.4 78.6 81.7 83.8 82.9 40.5 39.7 38.9 36.4 34.4 33.6 38.3 38.7
12.9% 13.3% 12.3% 11.8% 10.3% 10.9% 11.0% 10.4% 5.9% 5.8% 5.4% 5.0% 4.5% 4.5% 5.0% 4.9%
8.7% 9.4% 9.6% 9.9% 10.9% 11.8% 11.9% 13.0% 6.8% 6.9%
13.7% 7.5% 7.0% 7.2% 7.2% 8.1% 7.7%
14.4% 13.7% 12.9% 11.2% 10.9% 9.6% 9.0% 15.4% 13.4% 13.1% 9.9% 9.0% 7.4% 6.8%
17.4%
21.4% 19.6% 19.8% 19.8% 19.6% 20.7% 20.8% 16.1% 16.1% 19.3% 18.7%
20.8% 18.5% 18.9% 17.3% 17.9%
56.2% 55.5% 57.1% 57.4% 58.1% 57.8% 57.8% 57.2% 56.5% 58.7% 62.0% 61.9% 65.9% 67.2% 66.4% 67.6%
Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25
Corporate Medium Small Consumer LaR Corporate Medium Small Consumer Coll 1R
Special Mention Loan (Coll. 2) Non-Performing Loan (NPL)
by Segment (IDR Tn) by Segment (IDR Tn)
33.8 37.8 35.1 34.7 29.2 33.4 30.6 28.6 14.7 13.9 14.2 14.2 15.0 14.7 14.9 15.6
120.0%
4.9% 5.5% 4.9% 4.8% 2.1% 2.0% 2.0% 2.0% 2.0% 2.0% 2.0%
3.8% 4.5% 4.0% 1.9%
3.6%
100.0%
7.6% 9.3% 10.0% 10.6% 10.4% 12.2% 13.7% 14.7% 16.2% 14.9% 15.4% 18.3% 20.2% 21.1%
6.5% 14.8% 24.6%
10.0% 10.1% 8.4% 6.9% 8.1% 7.8% 7.6% 80.0%
16.0% 14.8% 20.5% 23.3% 23.5% 23.4%
15.0% 16.4% 17.0% 15.4% 22.6% 21.5% 18.8% 17.2%
19.4% 21.7% 60.0%
41.5% 33.6% 31.2% 27.0% 24.2%
40.0% 41.8% 38.3% 37.1%
70.0% 65.6% 63.5% 64.0% 67.9% 64.3% 59.0% 55.9% 20.0%
28.0% 30.0% 33.2% 33.9%
23.3% 18.7% 20.7% 21.3%
0.0%
Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25
Corporate Medium Small Consumer SML Ratio Corporate Medium Small Consumer NPL Ratio
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Strong overall asset quality amidst Consumer sector weakness
Special Mention Loan by Segment
Loan at Risk by Segment – Bank Only
(Bank Only)
Segment Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Segment Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25
Corporate 6.7% 5.6% 5.5% 4.6% 5.0% 4.1% 3.5% Corporate 13.8% 12.7% 12.2% 10.5% 11.0% 11.1% 10.5%
Medium 5.3% 5.4% 5.7% 3.9% 5.0% 5.6% 5.2% Medium 17.8% 16.3% 16.1% 14.2% 15.4% 16.5% 14.4%
Small 4.6% 4.4% 3.8% 2.6% 3.7% 3.3% 2.9% Small 15.9% 15.1% 14.2% 11.6% 12.0% 11.0% 10.1%
Consumer 2.8% 2.6% 2.7% 2.1% 2.8% 2.9% 2.8% Consumer 6.7% 6.3% 6.2% 6.0% 6.7% 6.8% 7.2%
Total SML- % 5.5% 4.9% 4.8% 3.8% 4.5% 4.0% 3.6% Total LAR- % 13.3% 12.3% 11.8% 10.3% 10.9% 11.0% 10.4%
Total SML- IDR Total LAR- IDR
37,774 35,075 34,740 29,235 33,446 30,644 28,649 91,424 88,155 85,405 78,611 81,749 83,846 82,888
Bn Bn
Non-Performing Loan by Segment
Write Off & Recovery – Bank Only
(Bank Only)
Segment Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 18,669
Corporate 0.7% 1.0% 1.1% 0.7% 0.7% 1.1% 1.2% 14,390 14,175
33.2% 11,778
Medium 5.5% 4.5% 4.3% 5.2% 5.2% 3.8% 3.2% 10,884
35.8% 36.0%
28.2% 31.2%
Small 3.9% 4.2% 4.3% 4.5% 4.3% 3.8% 3.6%
6,189
5,174
1.8% 1.6% 1.6% 1.9% 2.0% 2.1% 2.6% 3,898 3,995 3,670
Consumer
Total NPL- % 2.0% 2.0% 2.0% 2.0 2.0% 1.9% 2.0%
Total NPL- IDR 2022 2023 9M24 2024 9M25
13.960 14,163 14,244 14,985 14,698 14,859 15,586
Bn
Write Off (Rp Bn) Recovery (Rp Bn) Recov. to Write Off Ratio
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Lower NPL & Write-Off reflect portfolio resilience
76% of 9M25 NPL formation came from 70% of the loan written off during 1H25 came
client origination before 2022 from client origination before 2022
3.7% 0.5%
10.4%
5.1% 0.1%
7.5% Fintech paylater & credit card only
14.8%
11.2%
Fintech paylater & credit card only
9.7% 12.5%
66.3%
IDR 12.4Tn
9M25 NPL Formation 57.8% IDR 11.8Tn
9M25 Write Off
-9.7% YoY
-16.9% YoY
Before 2021 2021 2022 2023 2024 2025 Before 2021 2021 2022 2023 2024 2025
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Strong reserves & segmented trends underpin stable Credit Cost (bank only)
Provisioning for Loan (IDR Tn) CoC by Segment
Segment 4Q-24 1Q-25 2Q-25 3Q-25 9M-24 9M-25
5.8
11.8 Corporate 1.6% -0.4% -0.6% 0.2% -0.9% -0.3%
Medium 2.3% 1.1% 2.6% 2.1% 2.7% 1.9%
38.3 Prov Charges for
loan (net*) 34.7
26.6 Small 2.8% 5.3% 4.5% 3.5% 6.2% 4.4%
Consumer -0.2% 2.5% 3.0% 2.0% 2.4% 2.5%
Loan Provision - Dec Write Off 9M 2025 Loan Provision - after Provision Build Up Loan Provision - Sep CoC % - Bank
2024 write off 2025 1.5% 0.9% 1.0% 1.1% 1.0% 1.0%
wide
Assigned Loan Loss Reserve
Sep-24 Sep-25 by Coll & Stage
Sep-25 Sep-25
Collectability Stage
NPL % 2.0 2.0 Amount
LLR % Amount
LLR %
(IDR Tn) (IDR Tn)
Current – Normal 713.6 0.6 Stage 1 706.2 0.6
LaR 82.9 36.3
NPL Coverage % 284.2 222.7 Stage 2 66.0 22.6
Current Restructured 38.7 18.1 Stage 3 24.3 63.5
Collectability 2 (SML) 28.6 48.0 All Stage 796.5 4.4
LAR % 11.8 10.4 NPL 15.6 60.2
All Collectability 796.5 4.4
LAR Coverage % 47.4 41.9 Notes: Figures are on bank only basis.
1) LAR ratio = Special Mention loans + NPL + Total Current Restructured Loans
2) NPL Coverage Ratio = Allowance for Impairment Losses divided by NPL amount.
3) LAR Coverage Ratio = Allowance for Impairment Losses divided by LAR amount
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
LAR, NPL & Provision Coverage trend
LAR & LAR Coverage Ratio NPL & NPL Coverage Ratio
28.7%
4.3%
23.3% 3.7%
16.0% 2.8%
12.9% 11.8% 2.2% 2.1% 2.0% 2.0% 2.0% 2.0%
10.3% 10.9% 11.0% 10.4% 1.9%
9.1%
319%
53% 278% 284%
49% 49% 256% 263%
47% 47% 233% 243%
43% 223%
42%
182%
37%
34% 145%
27%
Avg 2017- Dec-20 Dec-21 Dec-22 Dec-23 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Avg 2017- Dec-20 Dec-21 Dec-22 Dec-23 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25
2019 2019
LAR Coverage LAR Ratio NPL Coverage Ratio NPL ratio
Notes: Figures are on bank only basis.
1) LAR ratio = Special Mention loans + NPL + Total Current Restructured Loans
2) NPL Coverage Ratio = Allowance for Impairment Losses divided by NPL amount.
3) LAR Coverage Ratio = Allowance for Impairment Losses divided by LAR amount
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Digital Initiatives
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
INITIATIVES
We’re exceeding on every customer touch points
We are aiming to enhance Mobile Banking
digital solutions for all
All key features have
customers’ needs, rather been fully migrated to
than focusing on a specific wondr by BNI
product. IDR 8,080 Tn 1,061 Mn IDR 783 Tn
▲ 26.7% ▲ 14.8% ▲ 16x
Business Merchant Branchless Banking 866 Mn
E-Channel
▲ 16x
805+ 226k+
▲ 9.1% Has been continue to gain
steady traction and
encouraging users to do
IDR 105.3 Tn IDR 43.4 Tn 79.8 Mn transactions.
▲ 28.3% ▲ 19.5% ▲ 37.2%
13,398 IDR 2.71 Tn 550 Mn
▼ 62.7% ▼ 2.5%
TapCash BNI Open API
Ecosystem
IDR 380 Tn
▼ 12.5%
14.4 mn
2,000++ 280
▲ 8.7% Total Trx Value Total No of Trx
688 Mn 3.9Mn IDR 1.886 Tn 1.72 Bn
▼ 6.4% IDR 8.9 Tn ▼ 52.4% ▲ 64% yoy ▲ 58% yoy
IDR 2,486 Bn
▼ 40.9%
▲ 24.7%
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
INITIATIVES
Driving the business of retail customers with the new breed of mobile banking
Mobile Banking users drives
low-cost fund consistently Growth User Base of wondr by BNI
17% YoY
wondr multicurrency Average saving balance of
new users with wondr is
higher which contributes 275%
more to savings account
184
157 balance.
10.5
8.6
6.8
5.3
Sep-24 Sep-25 2.8
Savings account balance in Sep-24 Dec-24 Mar-25 Jun-25 Sep-25
mobile banking channel (IDR Tn)
Registered users wondr by BNI (in Mn)
Growth Transaction in all User Acquisition Growth via All
Mobile Banking channel Mobile Banking channel
International Design Award 2025
34% YoY
64% YoY
The Most Innovated and Outstanding Banking Product and business
Creative Communication Transformation of The Year Model Category, Super
Strategy Apps wondr by BNI
1,886 1,834
1,151 67% 1,364
of active users in wondr
Ratings
Ratings transact more than 6x per
4,9/5,0 4,8/5,0 9M24 9M25 month
Sep-24 Sep-25
Transaction value in YtD New CIF acquisition
all mobile banking channel (IDR Tn) via mobile banking (thousand)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
INITIATIVES
1.4.0 is here to enable people to go global
What wondr have done so far…
From global transactions to smart investments,
wondr by BNI empowers users to bank seamlessly,
anytime and anywhere.
All BNI Mobile
Jul 2024 Banking Features
migrated
Feb 2025 Jul – Sep 2025
Everyday Banking Elevating Financial Growth New Era of Seamless Banking
• Domestic and overseas transfer • Life Goals Term Savings • Integrated portfolio • wondr multicurrency
• Time deposits • Time deposits USD and • Cardless transactions • QRIS cross border
• Bill payment, virtual account, QRIS, SGD • Credit Card installment • Auto-invest mutual fund
e-wallet • Foreign exchange • Enhanced Personal Finance • Payroll Registration
• Mutual funds • Lifestyle Management • Increase limit credit card
• Personal Finance Management • Open investment • Buy trains and BNI Java Jazz Tickets • Pension fund
account • Tax report • Debit card tracking and activation
• Government Bonds • BNI Finance Integration
More features to come, driving growth in Saving Balance, Transactions and optimizing
productivity in-branch service
Intelligent Branch Services
New wealth integration for stock Segment upgrade for More cross border transactions More Event Ticket
Integration for more seamless
and gold buying and selling services High Net Worth Users enablement from Lifestyle feature
banking experience
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
INITIATIVES
Solid Digital Solutions for Business Banking Clients
BNI Open API
digitalservices.bni.co.id
2023 Best Banking API Solution
BNI API 280 services (approved by Utilized by in Indonesia
regulator), the most compared to Indonesia Domestic
2.000++ partners Global
API Initiatives of
peers Recognition
The Year 2024
We Optimize All Three Possible Roles in Every Ecosystem Optimizing API to BNI’s Core
Operational
Presenting comprehensive Digitized stamp for contract Quick & Simple fund transfer
offer of the ecosystem Using partner’s platform as a Provides services to documents valued more than API provided by Bank
through a platform channel to sell bank’s partners so they can IDR 5 Million Indonesia
products potentiate their
products
Providing integrated holistic Partner with e-commerce, Smart & secure contract
solutions, such as BNI is one of 20 BI Fast
lifestyle companies to sell Customize bundled solutions stamps to prevent fraud
government, education, Sponsor Bank
funding and lending products into new products in
health, commerce collaboration with partners
POWERED BY* : POWERED BY :
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
INITIATIVES
Harnessing the power of integrated wholesale banking solution
BNIdirect Ample room for growth Number of Users (in 000)
22.7%
• Strong penetration rate in Corporate clients: 75% of total YoY
transaction value comes from Corporate Clients 213.4
• Corporate Clients’ transaction value increased by 29% YoY 174.0
Sep-24 Sep-25
Transaction Value (IDR Tn)
26.7%
YoY
8,080
6,377
9M24 9M25
Value Chain
Payment Management
Management
# of Transactions (in Mn)
receivables Open Banking Solution 14.8%
YoY
1,061
Liquidity Management
924
9M24 9M25
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
INITIATIVES
Branchless Banking
Empowering Agents with Solid Contribution to 17.9k Agents are in Frontier, Remote
Powerful Mobile Agent App Financial Inclusion and Disadvantaged Areas
8.8k
226K Agents 5k
+9.1% YoY 4.1k
S p re a d A c ro ss:
Chargeable Transactions at Agents
Continues to Increase as
Literacy Improves
85% 92%
69%
59%
61%
• Online Account • Cash Withdrawal and • Government 32%
Opening Deposit Subsidy 12% 14%
Plenty Bill payment • Money Transfer • Tax and Bill Payment • KUR Loan
User Friendly Services referrals 2020 2021 2022 2023 2024 1Q-2025 1H-2025 9M-25
Realtime Sharing % chargeable transaction to total transaction in Agen46
Fee for Agents Financial Report
Transaction
# of Transactions at Agen46
More Additional Linked to BNI by Type
Features, Promo Digital Loan
& Information e-Form (KUR Mikro)
Grocery store, bundled with all-in-one Cash Withdrawal
21%
Online Account
financial services of Agen46 29% Inquiry Saldo
Opening, Cash • Increase Customer Traffic
5% BNI Transfer
Withdrawal & Deposit • Commission-based income for facilitated 79.8 Million
transactions 8%
9M-25
Cash Deposit
Others (Inc. Top Up E-Wallet, Interbank
37% Transfer)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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Business &
Consumer
Banking
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
High quality growth on business banking
Growth (%) NPL (%)
Business Banking (IDR Tn) Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Comp (%)
QoQ YoY Sep-24 Dec-24 Mar-25 Jun-25 Sep-25
Manufacturing 144.7 154.9 147.7 147.0 150.3 2.3% 3.9% 23.3% 3.8 3.0 3.0 3.8 3.2%
Trading, Restaurant & Hotel 109.9 111.6 109.3 107.1 118.0 10.2% 7.4% 18.3% 2.5 3.5 3.3 3.1 3.6%
Transport, Warehouse &
55.3 61.6 55.5 60.9 62.8 3.0% 13.6% 9.7% 1.3 2.6 2.8 1.9 1.8%
Communications
Infrastructure 55.0 55.5 57.4 62.6 62.0 -0.9% 12.6% 9.6% 1.0 0.8 0.8 1.1 0.8%
Natural Resources 49.6 51.2 51.4 50.8 59.8 17.7% 20.5% 9.3% 0.1 0.1 0.1 0.2 0.2%
Business Services 45.9 50.9 55.2 53.8 54.5 1.2% 18.8% 8.4% 1.4 1.1 1.3 0.8 0.6%
Social Services 37.0 46.2 44.2 46.7 48.3 3.4% 30.8% 7.5% 0.8 0.5 0.2 0.2 0.5%
Agriculture 51.5 48.0 45.6 46.1 48.2 4.7% -6.3% 7.5% 2.6 1.7 1.7 0.7 0.7%
Electricity, Gas & Water 28.9 31.5 33.0 34.2 35.5 3.6% 22.8% 5.5% 0.1 0.1 0.1 0.0 0.0%
Others 5.2 5.7 4.2 5.3 5.2 -1.7% -0.5% 0.8% 0.7 0.9 1.3 2.6 2.5%
Total 582.9 617.1 603.7 614.5 644.6 4.9% 10.6% 100.0% 2.1 2.0 2.0 1.9 1.8%
Manufacturing Trading, Restaurant, Hotel Transport, Warehouse & Communications
150.0 10.0%
154.9 118.0
70.0
61.6 60.9 62.8
55.3
10.0%
144.7 147.7 147.0 150.3 130.0
111.6 109.3 107.1 55.5
110.0
109.9 60.0
50.0
90.0
3.5% 3.6%
40.0
5.0%
3.3% 3.1%
5.0%
2.8%
70.0
2.5% 2.6%
30.0
3.8% 3.0% 3.8% 3.2% 1.9% 1.8%
3.0% 1.3%
50.0
20.0
30.0 10.0
10.0 0.0% - 0.0%
Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25
Amount NPL Amount NPL
Amount NPL
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Consumer business
Product Growth Comp NPL (%) NPL Movement - %
Sep-24 Dec-24 Mar-25 Jun-25 Sep-25
(IDR Tn) YoY (%) Sep-24 Sep-25
3.5
Mortgage 63.8 66.5 67.6 68.4 69.8 9.4 46.5 2.3 3.5
2.9 2.9 3.0
2.6 2.6 2.6
Personal Loan 55.9 58.0 59.3 60.1 61.4 9.9 40.9 0.8 1.3 3.1
2.2 2.3
2.4 2.5 2.5
Payroll Loan 52.3 54.4 55.6 56.6 58.2 11.4 38.8 0.8 1.3 1.7 1.7 1.7 1.8 1.8
1.3
Fintech Paylater 3.6 3.6 3.7 3.5 3.2 -11.6 2.1 1.8 2.5 0.9 1.0 1.0 1.0
0.8 0.8 0.8 0.8
Credit Card 14.6 15.0 14.9 15.4 16.0 9.1 10.6 1.8 3.1
Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25
Others 2.7 3.0 3.1 3.1 3.1 12.0 2.0 0.4 3.6 Mortgage Personal Loan Credit Card
Total 137.0 142.5 144.9 147.0 150.2 9.6 100.0 1.6 2.6
Personal Loan Debtors
Ample Room for Growth of Payroll Loan
Composition Sep-25
5.2% 1.6%
5,336 3.7%
5,080
4,669
4,494
372 11.7% 35.8%
365
IDR 61.4 Tn
358
352
41.9%
Dec-24 Mar-25 Jun-25 Sep-25
Government Related SOE Private Companies
Number of Payroll Account [Thousand] Number of Payroll Loan Account [Thousand] Universities Fintech Others
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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ESG
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
BNI Strong Commitment to Sustainability
BNI’s Five Pillars of Sustainability, Aligning First Mover and Consistently Taking a Role in Shaping
Business to UN SDGs Sustainable Practices
BNI FOR INDONESIA • Reinforcement of GHG reduction commitment with an NZE roadmap
Running the company’s business by targeting operational NZE by 2028 and financing NZE by 2060.
integrating • Integrating ESG risk management into Risk Acceptance Criteria (RAC)
economic, social, environmental and across various industry sectors.
governance aspects. Demonstrating • Adapting International ESG Reporting Standards (GRI, SASB, SUSBA,
continuous ACGS).
progress
BNI FOR CUSTOMERS • BNI holds a single A MSCI ESG Rating, highlighting its strong
Providing excellent services, digital solutions, governance standards, sound business ethics, and enhanced
management of ESG-related risks in credit underwriting. The bank
security, and privacy protection for all
also maintains a Medium Risk classification under the Sustainalytics
customers. ESG Risk Rating..
• Green financing enhancement, achieving approximately 10% of the
BNI FOR THE ENVIRONMENT bank’s total loans
Commitment to
Improving environmental quality in line with • Implementing the Indonesian Sustainable Finance Taxonomy (TKBI)
participate in for borrowers in the energy sector.
business development.
the green
• Strengthening ESG aspects on the Risk Acceptance Criteria (RAC) by
transition &
adding aspects of human rights and occupational health & safety, as
climate action well as mitigation and climate change adaptation in borrowers’
BNI FOR THE COMMUNITY operations.
Increasing awareness and responsibility to all • Enlarging RAC coverage from 18 sectors to 22 sectors.
levels of society in line with business
development.
• Respectable Good Corporate Governance practices.
BNI FOR EMPLOYEES Responsible • Fair operating, human rights, and labor practices.
Providing the best conditions for employees Business • Zero data breach with high standard of customer data privacy and
as a place of pride for work and Operations security protection.
accomplishment. • Zero tolerance for fraud and financial crimes.
• Effective CSR Program.
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Driving Climate Resilience & Net Zero Goals as the Commitment to Sustainable Finance
Environment Social Strengthening Climate Resilience
Through CRST Implementation
Conducting climate-related financial risk BNI supports the OJK’s launch
Increasing employee of CRMS (Climate Risk
management by referring to international
standards. S engagement Management & Scenario
Analysis) as part of its
commitment to Indonesia’s
Achieving Operation NZE (Net Zero Emission) Employee capability NZE 2060 and alignment with
by 2028 and Financing NZE by 2060 enhancement
ESG IFRS S1 and S2.
Framework
Strengthening customer data KEY INITIATIVES
Governance reinforcement in ESG loans
E G
and financial protection
▪ Referring to the CRMS guidelines published
Increasing employee’s awareness by OJK and NGFS
Governance ▪ Engagement with debtors in providing
& capabilities
emission data for climate risk assessments
▪ Strengthening ESG governance and
Sharpening ESG disclosure Increasing diversity in Board capacity-building.
level ▪ Developing CRST (Climate Risk Stress Test)
tools to assess climate risks on financial
performance and overall bank health.
Strengthening Board’s engagement ▪ CRST is a key part of BNI’s Climate Risk
on ESG Management Strategy (CRMS).
▪ Started in 2024, BNI conducted CRST to
assess climate-related risks, both physical
risks and transition risks that could impact a
Short Term Focus (2024) Medium Term Focus (2024-2026) Long Term Focus (≥2027) bank’s financial resilience
▪ In August 2025, BNI has completed its
• Strengthening infrastructure • Strengthening debtors’ Risk Acceptance Implementation of climate change
assessment by achieving 100% of its
• Establishing Net Zero Emission Criteria (RAC) risk management in bank operations
productive loan portfolio and mortgage.
roadmap and Carbon Budget • Strengthening infrastructure for climate
▪ Electricity and gas are the most vulnerable
change risk management
sectors; agriculture, forestry, and fisheries
• Strengthening Board’s engagement on ESG face notable physical risks.
• Optimizing data loss prevention
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
BNI's Green Bond: 100% Proceed Allocation, Measurable Environmental Benefits
Environmental &
Green Bond Framework Use of Proceeds
Social Impacts
As the first Rupiah-denominated green bond, BNI 100% Categories Environmental Impact Alignment with SDGs
established a Green Bond Framework and obtained
a Second-Party Opinion (SPO) from Sustainalytics.
1 , 6 2 6 , 6 6 6 (tC O 2 e q / ye a r)
Proceeds are exclusively allocated to finance/
As of Dec-24, 100% of Av o id e d G H G Em issio n p e r y e a r
refinance "Eligible Green Projects" in line with Green 1 , 7 7 1 , 8 3 3 (M W h/ ye a r)
green bond proceeds
Bond Principles and meeting at least one of the
have been allocated to En e rg y p ro d u c e d p e r y e a r
specified environmental categories:
projects selected through
Renewable Energy Sustainable IDR 5.0Tn BNI’s criteria and reviewed 2 3 , 74 1 (tC O 2 e q / ye a r)
Transportation by the ESG Committee. Av o id e d G H G Em issio n p e r y e a r
Energy Efficiency
Climate Change 34 1,019 Gj
Adaptation En e rg y s av in g p e r ye a r
Waste to Energy and
Waste Management Sustainable Water
and Wastewater
Sustainable Natural Management 7, 8 6 9 (tC O 2 e q / ye a r)
Resources and Land Av o id e d G H G Em issio n p e r y e a r
Use Sustainable 5.6%
Agriculture 1.7%
Terrestrial and Aquatic 6.1% 18% 40.1% 2 4 9,9 76 (tC O 2 e q / ye a r)
Biodiversity Conservation Green Buildings Sectoral distribution of Av o id e d G H G Em issio n p e r y e a r
the proceeds
1 , 5 4 3 , 0 9 0 (T o n n e / y e a r)
Summary of 2022 Green Bond Issuance IDR 4.4Tn
To ta l w a ste re c yc le d
13%
IDR 5 tn IDR 5.0Tn 53% 6 2 6 , 3 4 2 (tC O 2 e q / ye a r)
Total A Series: 3 years Term 6.35% amount of IDR 4tn (100% of procced) Avo id e d G H G Em issio n p e r y e a r
Issuance 8%
B Series: 5 years Term 6.85% amount of IDR 1tn 5 5 , 8 9 9 ( Tre e s)
8% To ta l tre e s p la n te d in refo re sta tio n
p ro je c ts
Rating idAAA (PEFINDO)
3 1 4 , 3 8 7 (H a)
To ta l h e c ta re s p ro te c te d a n d /o r c e rtifi e d
Maturity A Series : June 21, 2025
46.5%
Date B Series : June 21, 2027
*) BNI Green Bond Report 2025 can be accessed on https://www.bni.co.id/Portals/1/BNI/Perusahaan/ESG/Docs/Report-Green-Bond-BNI-2025-EN.pdf
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
BNI’s Sustainability Bond: Driving Change with Purpose
Issuance Structure Eligible Project Sectors Bond Framework
Confirmed by Sustainalytics as credible and impactful,
Amount IDR 5.0 Tn Green Projects (30% of Allocation) fully aligned with ICMA and ASEAN
Sustainability Bond standards.
Series A : 3 years Use of Proceeds Project Evaluation &
Tenure
Series B : 5 years Renewable Energy Sustainable
➢ Applies to existing and Selection
Transportation
new facilities. ➢ Proposal by Business
IdAAA by
Rating PT Pemeringkat Efek Energy Efficiency Climate Change ➢ Lookback period: up Units.
Adaptation to 3 years
Indonesia ➢ Eligibility Review by
Waste to Energy and Enterprise Risk
Sustainable Water
Collateral Clean basis Waste Management Management
and Wastewater
Management ➢ Approval by ESG Sub-
Sustainable Natural Management of Committee.
Series A : 6.60% Resources and Land Proceeds
Coupon Green Buildings ➢ Ensure regulatory and
Series B : 6.65% Use
➢ Managed framework alignment
Terrestrial and Aquatic transparently and
Coupon Payment Quarterly (30/360) Biodiversity Conservation accountably.
➢ Tracking: ESG team Reporting & Disclosure
records proceeds per
Annual reporting
Investor by Category Social Projects (70% of Allocation) eligible projects.
includes:
➢ Monitoring: Ensures
➢ Allocation Report:
1% 0% compliance with the
Project count,
16% Basic Infrastructure MSME Financing framework.
Services financing amount,
28% ➢ Unallocated Proceeds:
and undisbursed
Series A Series B Held in liquidity
IDR 1.5 Tn Essential Services Affordable Housing proceeds.
IDR 3.5 Tn instruments until
Access ➢ Impact Report:
72% deployment.
Project types and
Socioeconomic
83% measurable impact
Food Security & Sustainable Enhancement &
Food System Empowerment indicators.
Bank Non-Bank Retail
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Promoting Sustainability Linked Loan (SLL) on top of Sustainable Portfolio
Sustainable portfolio* IDR 192.4 Tn or 24% of total loan (bank only)
consists of socioeconomic empowerment and green financing First Sustainability-Linked Loans (SLL) are gaining more interest
Sosioeconomic Advancement & Environmentally sustainable
Empowerment Loan disbursement SPT (Sustainable
management of living natural Sector
under SLL scheme Performance Target)
IDR 115.7 Tn resources and land use
Financing and empowerment
program towards micro & SME
IDR 37.3 Tn Agrifood Minimizing the impact
Manufacture of water pollution
Renewable Energy Others
(Sustainable water and
IDR 12.1 Tn wastewater management, etc.)
Cement Achieving specific
Financing to hydro, solar &
biogas power plant IDR 23.5 Tn Manufacture CO2 emissions
Pollution Prevention
IDR 3.8 Tn Steel ~ USD Improvement of ESG
scoring on annual basis
Manufacture
* Sustainable portfolio is loan to business sectors that meet The Sustainable Business Activities Category (KKUB)
requirements by OJK 412 Mn
Robust 4-Year Growth in Green Loans, Surpassing 20%
in total Reducing emissions,
Packaging recycling resin and gender
Manufacture equality
IDR Tn
CAGR
22.3%
Reducing GHG emissions,
Coal-Derivative increasing employee
59.7 67.9 73.4 76.7 Manufacture training program
55.4
29.5
113.8 117.0 123.2 113.2 117.1 115.7 Reducing GHG emission
Petrochemical intensity across refinery
Industry and chemical operations
Dec 20 Dec 21 Dec 22 Dec 23 Dec 24 Sep 25
Social Green
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Sector Guides of Responsible Financing
BNI Credit Policy Agriculture – Palm Oil Coal
The palm oil sector guide applies to all palm oil plantations, crude palm oil mills, palm oil refiners, and traders The coal financing guide applies to coal mining and its supporting
No Exposure in business (trader and heavy equipment suppliers)
Obligations to fulfill a mandatory business permits: Plantation Business Permit (IUP), Cultivation
Financing to coal mining is strictly for Top Tier Corporates with good
Prohibited by the Business License (IUP-B), Plantation Business Registration (IUP-P), Plantation Business
ESG practices
government Registration (SPUP)
Legal requirement for the debtor’s business to have an
We require new palm oil debtors to have RSPO or ISPO, and request customers to achieve full Environmental Impact Analysis (AMDAL)
Illegal logging RSPO certification within a timeframe in order to expand their target market.
Debtors have at least a Blue PROPER (Environmental Performance
Forced labor, child
Rating) from the Ministry of Environment Life and Forestry
exploitation, human For Medium segment, requirement for ISPO is applied as affirmative covenant. the fulfilment of
rights violation which will be monitored regularly by RM and become subject to periodic internal audit Debtors agree to comply with the loan agreement clause that they
will comply with all applicable environmental regulations and
required documentations. The failure to satisfy it will impact loan
Violating the rights of continuity
local community Committed to implementing the No Deforestation, No Peat, and No Exploitation (NDPE) policy
Have strategies to reduce negative impacts on the environment
and social
Destroying world
heritage sites Have strategies to reduce negative impacts on the environment and social
There is no forced labor or employment of minors
Narcotics productions
% PALM OIL PORTFOLIO % COAL TO TOTAL LOAN COAL LOAN BREAKDOWN
& trading % PALM OIL TO TOTAL LOAN PALM OIL LOAN BREAKDOWN
WITH RSPO AND / OR ISPO* (BANK ONLY)
(BANK ONLY) 2.2%
Weapons 4.2%
8.5% 18%
0.03%
Gambling 0.7%
59.5%
& money laundering
39.8%
Politically Exposed
Person (PEP)
82%
91.5% 95.8% 97.8%
Trading protected
Coal Mining & Coal Related
animals Coal Others Trading Manufacture
Refinery & Palm Oil RSPO and/ or ISPO Certified
Palm Oil Others Plantation Trading Briquette
Mill In the certification process Industry
* sustainable portfolio is loan to business sectors that meet the requirements of The Sustainable Business Activities Category (KKUB) of OJK
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Best-in-class governance becomes corporate priority
Top Management Good Corporate Governance practices
The Board of Commissioners
Whistleblowing System
3 out of 5 are independent commissioners
Protection of minority
shareholders and
20% (1 out of 5) BOC are female
initiatives to foster their
Audit Risk Monitoring involvement
Committee Committee
All Committees under BOC are chaired by
an independent commissioner Predicate as a “Leadership in
Nomination &
Remuneration
Integrated
Governance
ISO 37001:2016 Corporate Governance”
Committee Committee Concerning Anti Bribery Based on the 2025 ASEAN Corporate Governance
Management System Scorecard (ACGS) standard from the Indonesia Institute
for Corporate Directorship (IICD),
All BOD members are independent from the
The Board of Directors controlling shareholder
Respectful Working Place
BNI has issued regulation in the company
BNI fosters and supports the principles of diversity, equality and non-discrimination guideline regarding the implementation of
Respectful Workplace (RWP) which aims to
BNI Code of Ethics create a safe comfortable work environment,
Annual Declaration
respect and protect human dignity prioritize
23% (3 out of 13) BOD are female Training/Socialization
mutual respect, free from discrimination,
exclusion or restrictions, bullying and
harassment and various form of violence, both
BOD distribution by age by Sep-25 mental, and physical for all employees
23% 38.5% 38.5%
<50 years old 50 - 55 >55 years old
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Embodying sustainability culture
Employee Diversity Product/ Services with Environmental Impact
2,586 units of ATM BNI UMKM Ramah Lingkungan
for Disabilities (BUMI)
Equipped with voice services and BNI encourages MSMEs to be more green
braille to help people with visual and in their operational. As of Sep-2025, BNI
Women Men physical disabilities has distributed IDR 29.0 Bn to119 MSMEs
Gender 52% 48% in the craft industry sector.
BNI WWF Affinity Card
Cardholders can participate in funding
25-29 35-40 >50
conservation activities through a BNI Jejak Kopi Khatulistiwa (JKK)
18% 26% 8%
sharing fee of 0.4% from each retail Aiming to boost financial inclusion, build
transaction. a green economy ecosystem and
Age prepare coffee farmers for global
markets. As of Sep 2025, BNI has
BNI Amex Vibe Card distributed IDR 45.1 Bn to 348 coffee
Targeting youth segment, farmers.
<25 30-34 41-50 With card using recycled materials
3% 22% 21%
Empowering Women in Top Management Green Office Culture
Women Men
Gender • Green Building Certification by the Green Building Council Indonesia (GBCI) with
31% 69%
Gold Certification for Menara BNI and Platinum Certification for Plaza BNI, as well as
Green Building LEED Certification on progress for BNI Building in PIK2.
Note:
• Wastewater management systems have been implemented in the headquarters,
1. Top Management defines as AVP, VP, SVP, EVP, and SEVP Level. including wastewater recycling into flushing and water plants.
2. All figures stated as of Sep 2025 with the total number of full-time • Solar panel installation for the emergency exit in Plaza BNI and BNI Building PIK2.
employees: 27,069. • Adopting a paperless office administration system (E-Office)
3. The recruitment, compensation, and career advancement policies of
the bank make no distinctions based on ethnicity, religion, race,
gender, or physical disability.
• Green campaign through various media
United Nations Environment Indonesia Business Council for Indonesia Green
Indonesia Sustainable Finance Indonesia Human
Association Programme Finance Initiatives
Initiatives (IKBI) Sustainable Development Building Council Capital Forum (FHCI)
(UNEP FI) (GBCI)
membership Member
Founder/Member (IBCSD)
Member
Member
Founder/Member
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
As a systemic bank, BNI put heavy emphasis on IT & Digital Risk Management
Establishment of CISO IT Security Governance IT & Digital Risk Management
(Chief Information Security Officer) Centers on Three Pillars Framework
▪ Security Policy
Information GOVERNANCE PROTECTION OPERATION ▪ Security Awareness to employees & customers
Technology ▪ Attack Simulation to employees
Director
▪ Dedicated Cybersecurity Staff
PEOPLE
SEVP IT
▪ Security Assessment
Security Multi-layer 24x7 Security ▪ Cybersecurity Operation & Threat Management
IT Strategy & Wholesale defense Operation
awareness ▪ Penetration Testing & Vulnerability Assessment
Architecture Digital Delivery mechanism Center (SOC)
Information ▪ Threat Intelligence
security Penetration Threat PROCESS
Retail Digital provisions testing intelligence
CISO
Delivery
Organizational Incident User access Cybersecurity & Data Protections
capabilities management management Multi-layer security on the infrastructure and network
Application & forensics
AI & Big Data Development (firewall, IPS, WAF, Database Monitoring, multisite
Analytics datacenter, DRC), application (Multi-factor Authentication,
IT Application TECHNOLOGY Encryption, Secure Software Development Life Cycle,
Mobile Application Protection), end-point protection (Data
SORX* Services
Loss Prevention, Endpoint Detection & Response, Antivirus,
Technology,
Digital & Hardening, USB Port blocking) and secure data
Operations IT Infrastructure transmission mechanism (data encryption, secured Global
Management
File Exchange system, Secure File Transfer Protocol/SFTP,
*) SORX: Senior Operational Risk Executive
Virtual Private Network/VPN, Secure Hypertext Transfer
Protocol/HTTPs) to protect the customer data from cyber
threat.
Collaborating with official state bodies (BI, Standard & Best Practice
OJK and BSSN), security device principals
User Access Management
and other communities to obtain information Identity access management (IAM), Single-sign on (SSO),
on threats and weaknesses, the latest Privileged access management (PAM), Active directory for
technology and products, as well as support end-point access security.
Strategic Partner
when incidents occur
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
External Recognition of Our Best-in-Class ESG Practices
Joint Consumer Protection Asia Sustainability Reporting
MSCI ESG Rating Sustainalytics Awards (ASRA) 2024
Movement BI 2024
MSCI ESG Risk Rating Ranking
ESG INDUSTRY
A 21.3
GROUP
323 out of 1,026
Banks
RATINGS
Medium
Risk
UNIVERSE
CCC B BB BBB A AA AAA Negl Low Med. High Severe Global 4,744 out of 14,744
0-10 10-20 20-30 30-40 40+ Universe Contributor to the Joint Asia’s Best Sustainability
Consumer Protection Report - Bronze
Last Report: Last Update: Movement BI 2024
25 June 2025 30 July 2025 16 December 2024 6 March 2025
Corporate Governance ASEAN Corporate
SRI (KEHATI) Index Constituent IDX ESG Leader Index Asia Sustainability Reporting
Perception Index (CGPI) Award Governance Scorecard
of Sustainable Investment 1 of 30 Public Company Listed Rating 2024 (ASRRAT)
2024 (ACGS) 2025
INDONESIAN
BIODIVERSITY
FOUNDATION
IDX ESG star-listed companies:
https://esg.idx.co.id/ ASEAN Asset Class 2025
Leadership in Asia Sustainability Report
Period: Period: The Most Trusted Company Corporate Governance Rating (ASRRAT) 2024 - Gold
June 2025 – November 2025 June 2025 – November 2025 25 November 2024 15 September 2025 21 November 2024
*Based on the 2022 ASEAN Corporate Governance Scorecard (ACGS) standard from the Indonesia Institute for Corporate Directorship (IICD)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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About BNI
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
53
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Board of Commissioner (BoC)
OMAR SJAWALDY ANWAR TEDI BHARATA
PRESIDENT COMMISSIONER/INDEPENDENT COMMISSIONER VICE PRESIDENT COMMISSIONER
▪ Executive Chairman, IBM Indonesia Technology ▪ Deputy Head, State-Owned Enterprises Regulatory Body
(2023 – Present) (BP BUMN) (2025 – Present)
▪ President Director, Prudential Syariah Life Assurance ▪ Deputy for Human Resources, Technology, and Information,
(2021 – 2023) Ministry of State-Owned Enterprises (2021 – 2025)
▪ President Director, Aberdeen Standard Investments Indonesia ▪ Commissioner, Bank Mandiri (Persero) Tbk. (2024 – 2025)
(2018 – 2021)
DIDIK JUNAIDI RACHBINI VERA FEBYANTHY DONNY HUTABARAT
INDEPENDENT COMMISSIONER INDEPENDENT COMMISSIONER COMMISSIONER**
▪ Rector, Paramadina University (2021 – ▪ Member of Commission XI of the House of ▪ Head of the Financial Market Development
present) Representatives of the Republic of Indonesia Department, Bank Indonesia (2020 – 2025)
▪ Chairman of the Supervisory Board, (2019 – 2024 term) ▪ Member of the Market Committee of the
Foundation for Economic and Financial ▪ Member of Commission XI of the House of Bank for International Settlements (MC-BIS)
Development Institute (LPEK) INDEF (1996 – Representatives of the Republic of Indonesia (2020 – 2025)
present) (2009 – 2014 term) ▪ Head of Bank Indonesia London
▪ Chairman of the Executive Board, Lembaga Representative Office, Bank Indonesia (2017 –
Penelitian, Pendidikan dan Penerangan 2020)
Ekonomi dan Sosial (LP3ES) (2018 – 2022)
SUMINTO
COMMISSIONER*
▪ Director General of Budget Financing and Risk Ministry
of Finance
▪ Governor at the OPEC Fund for International
Development
Note:
*Mr. Suminto (former Commissioner) concluded his term on October 8, 2025, upon his appointment as LPS Commissioner
ex-officio from the Ministry of Finance. His termination will be ratified at the next General Meeting of Shareholders.
**Effective since October 16, 2025 (OJK Fit & Proper Test Approval)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Board of Director (BoD)
PUTRAMA WAHJU SETYAWAN ALEXANDRA ASKANDAR
President Director (CEO) Deputy President Director
▪ Deputy President Director, ▪ Deputy President Director, Bank Mandiri (2020 – 2025)
Bank Negara Indonesia (2024 – 2025) ▪ Corporate Banking Director, Bank Mandiri (2019 – 2020)
▪ Retail Banking Director, ▪ Institutional Banking Director, Bank Mandiri (2018 – 2019)
Bank Negara Indonesia (2023 – 2024)
▪ Treasury Director, Bank Negara Indonesia (2022 – 2023)
HUSSEIN PAOLO KARTADJOEMENA AGUNG PRABOWO ABU SANTOSA SUDRADJAT
Finance & Strategy Director (CFO) Corporate Banking Director Treasury & International Bankingrector
▪ Digital and Integrated Transaction Banking Director, ▪ Wholesale and International Banking Director, ▪ SEVP International Banking & Financial Institutions,
Bank Negara Indonesia (2024 – 2025) Bank Negara Indonesia (2024 – 2025) Bank Mandiri (2024 – 2025)
▪ President Commissioner, Hibank Indonesia (2023 – 2024) ▪ President Director, BNI Sekuritas (2021 – 2024) ▪ GM Overseas & Singapore Branch,
▪ SEVP Corporate Development & Transformation, ▪ Managing Director, UBS Investment Bank (2013 – 2021) Bank Mandiri (2020 – 2024)
BNI (2020 – 2024) ▪ Group Head Treasury, Bank Mandiri (2019 – 2020)
DAVID PIRZADA EKO SETYO NUGROHO RIAN ERIANA KASLAN
Risk Management Director Institutional Banking Director Network and Retail Funding Director
▪ SEVP Wholesale Risk, Bank Mandiri (2018 – 2020) ▪ Finance & Risk Management Director, ▪ SEVP Retail Digital Solution,
▪ Country Chief Risk Officer, Pupuk Iskandar Muda (2023 – 2025) Bank Negara Indonesia (2021 – 2025)
Bank of Tokyo Mitsubishi UFJ, Jakarta (2015 – 2018) ▪ Head of Distribution Network & Sales Division, ▪ President Commissioner,
▪ Head of Risk Administration Department, The Bank Bank Negara Indonesia (2022) PT BNI Modal Ventura (2022 – 2024)
of Tokyo Mitsubishi UFJ Ltd (2010) ▪ Head of Regional Office 14, Bank Negara Indonesia (2021) ▪ EVP Head of Digital Strategy & Delivery,
Commonwealth Bank Indonesia (2006 – 2021)
RONNY VENIR CORINA LEYLA KARNALIES MUHAMMAD IQBAL
Operations Director Consumer Banking Director Commercial Banking Director
▪ Network and Services Director, ▪ Retail Banking Director, Bank Negara Indonesia (2024 – 2025) ▪ SME and Retail Funding Director,
Bank Negara Indonesia (2020 – 2025) ▪ Digital & Integrated Transaction Banking Director, Bank Tabungan Negara (2024 – 2025)
▪ SEVP Network, Bank Negara Indonesia (2019 – 2020) Bank Negara Indonesia (2023 – 2024) ▪ Institutional Banking Director,
▪ SEVP Medium Business, Bank Negara Indonesia (2018 – ▪ Consumer Banking Director, Bank Negara Indonesia (2023 – 2024)
2019) Bank Negara Indonesia (2020 – 2023) ▪ Enterprise & Commercial Banking Director,
Bank Negara Indonesia (2022 – 2023)
TOTO PRASETIO MUNADI HERLAMBANG
Information Technology Director Human Capital & Compliance Director*
▪ Technology and Operations Director, ▪ Institutional Banking Director,
Bank Negara Indonesia (2023 – 2025) Bank Negara Indonesia (2024 – 2025)
▪ SEVP Information Technology, Bank Mandiri (2019 – 2022) ▪ Institutional Relations Director, Jasa Raharja (2021 – 2024)
▪ Group Head IT Application Support, ▪ Finance, Human Capital & Risk Management Director, Wijaya
*Effective upon OJK Fit & Proper Test Approval
Bank Mandiri (2017 – 2019) Karya Bitumen (2019 – 2021)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Network and Distribution
Commercial Business Retail Productive Consumer Loan Outlets
Branchless Banking ATM Employees
Center (CMC) Business Center (RCC) Processing Center (LNC) (KC, KCP, KK*)
Sep-25 226,143 Sep-25 13,398 Sep-25 20 Sep-25 26 Sep-25 12 Sep-25 1,776 Sep-25 27.069
2024 213,370 2024 13,388 2024 20 2024 26 2024 12 2024 1,780 2024 27,203
2023 185,697 2023 13,390 2023 19 2023 26 2023 12 2023 1,781 2023 27,570
2022 164,979 2022 16,125 2022 23 2022 27 2022 12 2022 1,808 2022 27,170
2021 157,632 2021 16,385 2021 23 2021 27 2021 12 2021 1,854 2021 27,177
Overseas Offices
Singapore Nov 1955
BNI has also entered into key Hongkong Apr 1963
arrangements with prominent companies Tokyo Sep 1969
for payment channelling, financing, loan New York Apr 1983
London Apr 1984
distribution, and network/outlet Osaka Dec 2012
development Seoul Feb 2016
Amsterdam May 2022
Sydney Sep 2024
Individual Customer Highlights Corporate/SME Customer Highlights
74.0 million
26.6million
2.0
million
250,860 270,977
Business Banking
594
Corporate Debtors
2,351
Medium Loan
268,032
Small Loan
Debtors *Including overseas debtors Debtors Debitor
Mortgage
Funding Accounts Regular Saving Accounts Credit Cards Customers
*As per POJK No.12/POJK.03/2021, KK is registered as KCP
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
E-Banking (Bank Only)
Mobile Banking is set to become Expanding the network of banking services
the dominant banking channel for customers to unbanked people through Agen46
E-Channel 9M24 2024 9M25 YoY Branchless Banking 9M24 2024 9M25 YoY
wondr and BNI Mobile Banking # Agent 207,228 213,370 226,143 9%
#User (Th) 17,929 23,433 27,896 35% Agent Fund (IDR Bn) 3,971 4,818 5,532 39%
#Trx (Mn) 1,041 1,574 1,724 58% #Trx (Mn) 58.18 79.35 79,82 37%
Volume (IDR Tn) 36.33 51.97 43,42 20%
Volume (IDR Tn) 1,104 1,687 1,885 64%
#Pandai Account (Th) 20,162 20.178 21.190 5%
SMS Banking
Pandai Fund (IDR Bn) 875 1,124 1,152 32%
#User (Th) 12,709 12,695 12,450 -2%
#Trx (Mn) 474 688 550 -3%
Reliable Transaction Platform
Volume (IDR Tn) 7 9 3 -63% to Support The Cashless Society
Internet Banking Electronic Money &
9M24 2024 9M25 YoY
Acquiring
#User (Th) 2,235 2,217 2,228 -0%
BNI Tap Cash
#Trx (Mn) 8 10 4 -52%
#Card (Th) 13,271 13,633 14,420 9%
Volume (IDR Tn) 15 19 9 -41% #Trx (Mn) 83 116 102 23%
ATM Volume (IDR Bn) 1,995 2,779 2,486 25%
Acquiring (EDC + QRIS + Online Merchant)
#Trx (Mn) 823 969 688 -6%
#Trx (Mn) 326 459 462 42%
Volume (IDR Tn) 434 567 380 -13%
Volume (IDR Tn) 82 113 105 28%
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
A one-stop shop for lifetime finance and business needs
Investment
Insurance Securities Venture Capital
Manager
60.0% 75.0% 99.9% 99.9%
% BNI Ownership % BNI Ownership % BNI Ownership (through BNI Sekuritas) % BNI Ownership
Empowering customer with Life Insurance Services Respected investment banking and securities brokerage Strong Value Proposition as an Investment Manager that Catalyst between BNI's business groups and start-ups.
services focuses on index mutual funds, environmentally friendly
and fixed income.
Large customer base for Top Product
Bancassurance and Brokerage and Investment Banking drive BNI Sekuritas’ Obtained OJK license
Life Insurance with Founded on April
Employee Benefits business. performance amid highly challenging and volatile markets. on January 2023
Endowment Benefit 2022
(Solusi Series, Hy
2% 0.4%
End Pro, and Steady
Protection)
#9 #3
Bancassurance
36% Employee Benefit
Agency
41% 28%
Others
#7
62% Alternative Dist.
#9 24%
27%
45%
Investment
Banking 4.9% 31
35%
Brokerage
9M24 9M25
SME Digital Bank Consumer Finance
63.9% 99.9%
% BNI Ownership
Preparing an SME-Focused Digital Bank as Long-Term Growth Engine for The Group New car financing franchise, emerges as a market contender
18 May 2022 Number of Clients Loan Portfolio Mix (%) Total Asset
Outstanding Joint Financing
▲0.2% YoY
Officially acquired PT
Bank Mayora ~1.2 M CIF
BNI – BNI Finance (Rp5.9 T → Rp5.9 T)
34%
(Sep’24) (Sep’25)
17 May 2023 Sep-25
Rebranding as hibank
Total Deposit Total Loan
66%
LaR ▼4.7% YoY Total Financing
to support the vision of ▲45% YoY ▲23% YoY ▲0.02% YoY Dealer Partnership (Rp0.9 T → Rp0.9 T)
becoming Indonesia's (Rp12.3 T → Rp17.8 T) (Rp9.7 T → Rp11.9 T) (2.9% → 2.9%) (Sep’24) (Sep’25) ▲1.9% YoY
Leading MSME Digital
Bank. (Sep’24) (Sep’25) (Sep’24) (Sep’25) (Sep’24) (Sep’25)
1,400 Dealer (Rp4.5 T → Rp4.1 T)
SME Non SME (Sep’24) (Sep’25)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Subsidiaries Contribution to BNI Group
Group Structure Total Asset (IDR Tn) Net Profit (IDR Bn)
63.2 339.2
53.9
LIFE VENTURE
MULTIFINANCE SECURITIES REMITTANCE BANK
INSURANCE CAPITAL
146.1
1983 1995 1996 1996 2022* 2022
99.99% 75.00% 60.00% 100.00% 63.92% 99.98% 9M24 9M25 9M24 9M25
Total Subs
Contribution (IDR Bn)
ASSET
SECURITIES
MANAGEMEN
T
2011 2021
99.90% 100.00%
1,866.4
Year of Shares ownership 1,821.0
establishment
Note: as of February 2021, the financial summary (report) is excluded BNI Syariah as a
consolidated calculation. *
* Year of acquisition
'9M24 '9M25
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)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Subsidiaries Highlighted Performances
BNI Securities
BNI Life Insurance* Consolidated
308.3 306.1
291.3 41.0 2.3 2.5 1.0
4,083
2.0
213.7 224.0 22.9 18.4
202.7
8.1 7.5 -46.1
2.1
3,181 3,197
29,448 5,862
24,723 26,702 5,876
2,408 -150.0
507
6,211 6,570 6,131 1,181 1,214 1,310 848 686
9M2023 9M2024 9M2025 9M2023 9M2024 9M2025 9M2023 9M2024 9M2025
hibank BNI Ventures
123.1
2.9
93.7
71.0
0.4 0.3
23,066 528
17,411
14,287 516
514
512
507 508
4,453 4,566 4,695
9M2023 9M2024 9M2025
9M2023 9M2024 9M2025
Note:
- *) Data 9M2025 using IFRS 17 Asset (IDR Bn) Equity (IDR Bn) EAT (IDR Bn) FBI contribution to BNI (IDR Bn)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Capital Ratios are well above minimum requirement (Bank Only)
21.8% 22.3%
21.4% 21.1% 21.1%
1.4%
1.5%
1.4% 1.3% 1.3%
1.4%
1.3%
1.4% 1.4% 1.4%
13.95%
REGULATORY (starting from Mar-25)
REQUIREMENT
2.5%
19.0% 19.5%
13.80% 18.6% 18.4% 18.5% (Capital Conservation
Min. CAR based on Buffer)
Risk Profile + add
buffers 1.5%
(valid until Feb-25) (Capital Surcharge
on Systemic Bank)
9.95%
9.80 % CAR based on Risk
CAR based on Risk Profile
Profile
(valid until Feb-25) (starting from Mar-25)
Sep 24 Dec 24 Mar 25 Jun 25 Sep 25
CET 1 AT 1 Tier 2 CAR
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
BASEL 3 Capital requirement and BNI Capital realization
2023 2024 Sep-25 BBNI Capital Realization
BBNI Capital Realization Sep-24 Dec-24 Sep-25
Add On based on Bank's Risk Profile 1.80% 1.80% 1.95%
Common Equity Tier I Capital (%)
Minimum Requirement 10.3 10.3 10.5
BNI Realization 19.0 18.6 18.5
Minimum Common Equity Tier 1 Capital 4.50% 4.50% 4.50% Tier I Capital (%)
Minimum Requirement 11.8 11.8 12.0
BNI Realization 20.3 20.0 19.8
Total CAR Based on Risk Profile
Tier 1 Capital Minimum 6.00% 6.00% 6.00%
+ Add Buffers (%)
1. BNI Risk Profile (Rating 2 Sound) 9.8 9.8 10.0
2. Capital Conservation Buffer 2.5 2.5 2.5
Capital Conservation Buffer 2.50% 2.50% 2.50% 3. Countercyclical Buffer 0 0 0
4. Capital Surcharge 1.5 1.5 1.5
Minimum Requirement (%) 13.8 13.8 14.0
Countercyclical Buffer CAR BNI Realization (%) 21.8 21.4 21.1
0.00% 0.00% 0.00%
(Applied to all bank)
Capital Surcharge Risk Weighted Asset (Bank Only – IDR Tn)
1.50% 1.50% 1.50%
(Bank with systemic risk)
Risk Weighted Asset
Sep-24 Dec-24 Sep-25
Minimum Common Equity Tier 1 (Bank Only – IDR Tn)
10.30% 10.30% 10.45%
+ Risk Profile + Additional Buffers RWA - Credit Risk 631.2 660.2 692.7
RWA - Market Risk 11.0 14.2 10.2
Minimum Tier 1 Capital based on RWA - Operational Risk 37.4 37.4 40.4
11.80% 11.80% 11.95%
Risk Profile + Additional Buffers Total RWA 679.6 711.8 743.3
Total Capital 148.4 152.3 156.7
Minimum CAR + Risk Profile CAR - % 21.8 21.4 21.1
13.80% 13.80% 13.95%
+ Additional Buffers
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Breakdown Yield Earning Asset & Interest Bearing Liabilities (bank only)
9M24 9M25 Growth YoY
Breakdown Earning Asset
Amt (IDR Tn) Yield Amt (IDR Tn) Yield Amt (%) Yield
Loan 721.8 7.6% 796.5 7.3% 10.4% -0.3%
Non Loan 215.5 5.7% 264.6 5.2% 22.8% -0.5%
Marketable Securities 147.9 4.6% 173.6 4.4% 17.4% -0.2%
Placement 39.0 4.0% 64.5 3.4% 65.7% -0.6%
Acceptance and other receivables 28.6 13.6% 26.5 14.3% -7.4% 0.7%
Total Earning Assets 937.2 7.1% 1,061.1 6.7% 13.2% -0.3%
9M24 9M25 Growth YoY
Breakdown Interest Bearing Liabilities
Amt (IDR Tn) CoF Amt (IDR Tn) CoF Amt (%) CoF
Third Party Fund 757.5 2.7% 916.8 2.8% 21.0% 0.1%
Current Account 297.7 2.7% 338.6 2.6% 13.7% -0.1%
Savings 238.1 0.7% 268.2 1.1% 12.6% 0.4%
Time Deposit 221.7 4.8% 310.0 5.0% 39.8% 0.2%
Borrowings & Repo 40.8 7.5% 48.8 6.1% 19.8% -1.3%
MS Issued 29.2 4.6% 32.7 4.9% 11.8% 0.3%
Total Interest Bearing Liabilities 827.5 3.4% 998.3 3.4% 20.6% 0.0%
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
BNI Shares & Rating
Historical Share Price Performance
BNI Shares & Rating Market Cap Movement & PBV
Versus JCI – YoY Trend
37% 200
Long Term Foreign Currency BBB 172
162
153
Long Term Local Currency BBB/Stable 17% 14% 126
Short Term Foreign Currency 9% 10%
Fitch F2 4% 6% 115 1.40
1.33
Rating Viability Rating -5%
Bbb- 1.04 1.06
-3% 0.99
National Long Term Rating AAA/Stable -6%
0.95
National Short Term Rating
F1+ -21% -19%
2020 2021 2022 2023 2024 Sep-25
2020 2021 2022 2023 2024 Sep-25
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
Short Term Local Issuer Credit A-2 Diversified Shareholder Base
10%
Retail Geographical distribution of
Outlook Stable Breakdown of shares ownership
free float shares (as of Sep-25)
Foreign Long Term Bank Deposits Baa2
Ownerships Sep-25
Local Long Term Bank Deposits Baa2 34.6% Indonesia
Moody's Government of Indonesia
Baseline Credit Assessment Baa3 0.0% 24.2% UK & Europe
(1 share of Series A Dwiwarna) 40%
Adjusted Baseline Credit Assessment Free Float
Baa3 PT Danantara Asset Management 19.8% US & Canada
Counterparty Risk Assessment 60.0% Shares
Baa2/p-2 (Persero)
7.7% Rest of Asia
Public - Domestic 13.8%
5.4% Singapore
90%
Pefindo Corporate Rating AAA/Stable Public - Foreign 26.2% 8.2% Rest of The World
Institutions
▪ Issued shares 37,297,312,916 shares
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5 Years Financial Data
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
5 Years Financial Data (1)
Consolidated Balance Sheet (IDR Bn) 2020 2021 2022 2023 2024 Sep 24 Sep 25
Total Assets 891,337 964,838 1,029,837 1,086,664 1,129,806 1,068,080 1,269,486
Placement with other banks & BI 61,329 92,290 51,569 43,794 17,076 15,076 33,018
Marketable Securities [market value] 29,947 26,053 28,556 37,408 48,453 42,246 58,959
Government Bonds [market value] 90,661 111,430 121,291 127,100 132,072 130,287 142,235
Loans (gross) 586,207 582,436 646,188 695,085 775,872 735,018 812,195
Third Party Funds 679,452 729,169 769,269 810,730 805,511 769,739 934,326
Deposit from other banks 9,372 14,377 15,245 11,894 18,548 13,877 14,741
Marketable Securities Issued 3,085 18,751 22,110 21,822 30,674 29,144 32,569
Borrowings 44,114 32,458 35,654 30,950 42,931 34,995 42,088
Shareholders’ Equity 112,872 126,520 140,198 154,733 167,187 162,170 171,610
Consolidated Profit or Loss (IDR Bn) 2020 2021 2022 2023 2024 9M24 9M25
Interest Income 56,173 50,026 54,659 61,472 66,583 48,836 51,167
Interest Expense (19,021) (11,779) (13,338) (20,196) (26,103) (19,398) (21,914)
Net Interest Income 37,152 38,247 41,321 41,276 40,480 29,439 29,253
Premium Income Net 1,471 1,399 1,552 1,659 1,724 1,215 581
Fee Based Income 11,864 13,639 14,820 14,783 16,286 11,754 13,109
Recovery 1,549 2,581 3,780 5,030 6,025 3,868 3,562
Operating Income 52,036 55,865 61,472 62,747 64,515 46,275 46,505
Operating Expense (24,214) (24,801) (27,059) (27,778) (29,688) (20,989) (21,832)
Pre-Provision Income (PPOP) 27,822 31,064 34,413 34,970 34,826 25,287 24,673
Provisioning Charges (22,590) (18,298) (11,514) (9,196) (8,211) (5,389) (6,121)
Non-Operational Inc/(Exp) (119) (216) (212) (134) (35) (33) (114)
Net Income 3,280 10,898 18,312 20,909 21,464 16,308 15,115
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
5 Years Financial Data (2)
Financial Ratios (%) 2020 2021 2022 2023 2024 9M24 9M25
LOAN Growth [Consolidated] 5.3 5.3 10.9 7.6 11.6 9.5 10.5
CASA Ratio [Consolidated] 68.5 69.4 72.4 71.2 69.9 70.3 65.6
CASA Growth [Consolidated] 5.6 17.1 10.1 3.6 -2.5 5.5 13.3
CAPITAL
Shareholders equity to total asset 12.7 13.1 13.6 14.2 14.6 15.2 13.5
Tier I - CAR (include operational risk) 15.7 17.7 17.5 20.2 20.0 20.3 19.8
Tier II - CAR (include operational risk) 1.1 2.0 1.8 1.7 1.4 1.5 1.3
Total CAR (credit,market + operational risk) 16.8 19.7 19.3 22.0 21.4 21.8 21.1
ASSET QUALITY
Net Non-Performing Loan 0.9 0.9 0.5 0.6 0.7 0.6 0.8
Gross Non-Performing Loan 4.3 3.7 2.8 2.1 2.0 2.0 2.0
Credit Cost 4.1 3.3 1.9 1.4 1.1 1.0 1.0
NPL Coverage 182.4 233.4 278.3 319.0 255.8 284.2 222.7
RENTABILITY
Pre-Tax ROAA 0.5 1.4 2.5 2.6 2.5 2.5 2.2
ROAE* 2.6 9.4 14.9 15.2 14.2 14.7 12.7
Net Interest Margin 4.5 4.7 4.8 4.6 4.2 4.2 3.8
EFFICIENCY
Cost to Income Ratio 44.2 43.3 42.6 42.9 44.6 43.8 46.1
LIQUIDITY
Loan to Deposit Ratio 87.3 79.7 84.2 85.8 96.1 95.3 86.9
DIVIDEND
Dividend Payout Ratio [%] 25.0 25.0 40.0 50.0 65.0 - -
All ratios are bank only, unless stated otherwise
*ROAE with average total equity as denominator ; 14.7% in 1Q25 if the denominator is Tier 1 Capital as reported to OJK
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Equity Research Contact Details
NO BROKERAGE ANALYST EMAIL
1 Autonomous Ryan Foo rfoo@autonomous.com
2 Bahana Securities Yusuf Ade Winoto Yusuf.ade@bahana.co.id
3 BCA Securities Andre Benas andre.benas@bcasekuritas.co.id
4 CGS International Handy Noverdanius handy.noverdanius@cgsi.com
5 Ciptadana Securities Erni M Siahaan Siahaanerni@ciptadana.com
6 Citi Investment Research Ferry Wong Ferry.wong@citi.com
7 CLSA Sarina Lesmina Sarina.Lesmina@clsa.com
8 Danareksa Securities Victor Stefano Victor.stefano@brids.co.id
9 DBS Bank Rui Wen Lim ruiwenlim@dbs.com
10 Goldman Sachs Melissa Kuang Melissa.kuang@gs.com
11 HSBC Singapore Weldon SNG Weldon.sng@hsbc.com.sg
12 Indo Premier Securities Jovent Muliadi Jovent.muliadi@ipc.co.id
13 JP Morgan Harsh Wardhan Modi Harsh.w.modi@jpmorgan.com
14 KB Valbury Securities Akhmad Nurcahyadi Akhmad.nurcahyadi@kbvalbury.com
15 Macquarie Jayden Vantarakis Jayden.vantarakis@macquarie.com
16 Mandiri Securities Kresna Hutabarat Kresna.hutabarat@mandirisek.co.id
17 Maybank Kim Eng Securities Jeffrosenberg Chenlim Jeffrosenberg.lim@maybank.com
18 Mirae Asset Securities Robertus Yanuar Hardy Robertus.hardy@miraeasset.co.id
19 MNC Securities Victoria Venny Victoria.nawang@mncgroup.com
20 Morgan Stanley Selvie Jusman Selvie.Jusman@morganstanley.com
21 Nomura Verdhana Raymond Kosasih Raymond.kosasih@verdhana.id
22 RHB Securities Andrey Wijaya Andrey.wijaya@rhbgroup.com
23 Samuel Securities Suria Dharma Suria.dharma@samuel.co.id
24 Sucor Securities Edward Lowis Edward.lowis@sucorsekuritas.com
25 Trimegah Securities Jonathan Gunawan jonathan.gunawan@trimegah.com
26 UOB Kay Hian Posmarito Pakpahan posmarito@uobkayhian.com
27 UBS Joshua Tanja Joshua.tanja@ubs.com
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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PT. Bank Negara Indonesia (Persero) Tbk.
Investor Relations Division
Grha BNI Building, 21st Floor
Jl Jend Sudirman kav. 1 Jakarta 10220
T: 62-21-5728314
E: ir@bni.co.id
Disclaimer
This presentation has been prepared by PT. Bank Negara Indonesia (Persero) Tbk (the “Company”) for information purposes only. No
representation or warranty, express or implied, is given by or on behalf of the Company (BNI nor any of its subsidiaries, its affiliates, directors,
commissioners, employees and representatives) as to the accuracy, correctness, reasonableness or completeness of the information or opinions
contained in this presentation.
The presentation does not constitute or form part of an offer, solicitation or invitation of any offer, to buy or subscribe for any securities, nor
should it or any part of it form the basis of, or be relied in any connection with, any contract, investment decision or commitment whatsoever.
The Company (BNI nor its subsidiaries, its affiliates, directors, commissioners, employees and representatives) does not accept any liability
whatsoever for any loss however arising from any use of this presentation or their contents or otherwise arising in connection therewith
(whether written or verbal communication).
Forward Looking Statements
Some of the information in this presentation may contain projections or other forward-looking statements regarding future events or the future
financial performance of the Company. These forward-looking statements include all matters that are not historical facts. They are subject to
known and unknown risks and uncertainties and can be affected by other factors that could cause actual results to differ materially from those
expressed or implied in the forward-looking statements. The Company undertakes no obligation to revise or update any forward-looking
statement contained within this presentations, regardless of whatever those statements are affected as a result of new information, future
events or otherwise.
Rounding
Please note that rounding differences may appear throughout the presentation.
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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Thank You
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70
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