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PT BANK OF INDIA INDONESIA TBK FINANCIAL STATEMENTS
AS OF 30 JUNE 2026 AND 30 JUNE 2025 (UNAUDITED)
HEAD OFFICE
Jl. K.H. Samanhudi No. 37. Jakarta, Telp. : 021-3500007 (Hunting), Fax : 021 - 3808178, Contact Center : Hello BOII 150707
Website : www.boiindonesia.co.id, Email : corporate@boiindonesia.co.id. Share Code : BSWD, SWIFT BKIDIDJA.
BRANCH OFFICE
Samanhudi : Jl. Samanhudi No. 37 Central Jakarta 10710
Mangga Dua : Wisma Eka Jiwa Jl. Arteri Mangga Dua Raya Blok RM No. 17 Mangga Dua South Jakarta 10730
Bandung : Jl. Veteran No. 49 Bandung
Tunjungan : Jl. Tunjungan No. 32 Surabaya East Java
Coklat : Jl. Coklat No. 20-22 Surabaya 60161
Denpasar : Ruko Indah Blok 27 Diponegoro Street No. 135-137
Medan : Jl. H. Zainul Arifin No. 55-C/31
Makassar : Jl. Ujung Pandang (Ex. Taman Bahari) No. 13
SUB-BRANCH OFFICE
Kelapa Gading : Graha KNS, Jl Raya Boulevard Barat Blok XC 5-6 Kelapa Gading North Jakarta 14240
Sunter : Jl. Danau Sunter Utara (Sunter Garden Complex) Blok D-1 Kav. 12-13 No. 3 North Jakarta 14350
Kramat Jati : Jl. Raya Bogor KM 21 No. 18 Kramat Jati East Jakarta 13830
MD Place : MD Place Tower 2 South Setiabudi Street No. 7 South Jakarta
Ngagel : Ngagel Jaya South Street No. 169-A Surabaya 60284
Wiyung : Taman Pondok Indah Shophouse Block A-37 Jl. Raya Menganti 211
CASH OFFICE
Gandhi National School : Jl. Pangandaran IX Blok B4 West Ancol North Jakarta
Gandhi Memorial Intercontinental
: Jl. H.B.R Motik - Blok D.6 No. 1 Kemayoran Central Jakarta
School (GMIS)
Page 2
PT BANK OF INDIA INDONESIA TBK
STATEMENTS OF FINANCIAL POSITION
AS OF 30 JUNE 2026 AND 31 DECEMBER 2025
(In millions of rupiah)
No. ACCOUNTS 30 JUN 2026 31 DEC 2025
ASSETS
1. Cash 22,018 28,287
2. Placements with Bank Indonesia 543,806 957,662
3. Placements with other banks 170,936 32,279
4. Spot and derivative/forward receivables 999 44
5. Securities 1,859,402 1,668,184
6. Securities sold under repurchase agreement (repo) - -
7. Securities purchased under resell agreements (reverse repo) - 101,488
8. Acceptance receivables 1,657 -
9. Loans and financing 4,518,656 4,189,110
10. Sharia financing - -
11. Equity investment - -
12. Other financial assets 37,309 25,769
13. Impairment on financial assets -/-
a. Securities - -
b. Loans and Sharia financing 79,677 63,725
c. Others 2 8
14. Intangible assets 32,928 32,279
Accumulated amortization on intangible asset -/- 27,964 26,099
15. Fixed assets and equipment 165,288 162,023
Accumulated depreciation on fixed assets and equipment -/- 29,929 27,006
16. Non earning assets
a. Abandoned property - -
b. Foreclosed assets 59,855 59,855
c. Suspense accounts - -
d. Interbranch assets - -
17. Other assets 31,413 37,103
TOTAL ASSETS 7,306,695 7,177,245
No. ACCOUNTS 30 JUN 2026 31 DEC 2025
LIABILITIES
1. Current account 838,022 582,274
2. Saving account 102,912 105,309
3. Time deposit 2,749,548 2,930,133
4. Electronic money - -
5. Liabilities to Bank Indonesia - -
6. Liabilities to other banks 68 63
7. Spot and derivative/forward liabilities 417 1,046
8. Liabilities on securities sold under repurchase agreement (repo) - -
9. Acceptance liabilities 1,657 -
10. Issued securities - -
11. Loans/financing received - -
12. Margin deposit 748 750
13. Interbranch liabilities - -
14. Other liabilities 46,466 45,417
TOTAL LIABILITIES 3,739,838 3,664,992
EQUITIES
15. Paid in capital
a. Capital 2,200,000 2,200,000
b. Unpaid capital -/- 1,462,227 1,462,227
c. Treasury stock -/- - -
16. Additional paid in capital
a. Agio 2,895,254 2,895,254
b. Disagio -/- - -
c. Fund for paid up capital - -
d. Others - -
17. Other comprehensive income
a. Gains 115,136 115,136
b. Losses -/- 2,161 2,161
18. Reserves
a. General reserves 20,000 20,000
b. Appropriated reserves - -
19. Gain/loss
a. Previous years (253,748) (302,031)
b. Current Year 54,603 48,282
c. Dividends paid -/- - -
TOTAL EQUITIES 3,566,857 3,512,253
TOTAL LIABILITIES AND EQUITIES 7,306,695 7,177,245
Page 3
PT BANK OF INDIA INDONESIA TBK
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
FOR THE PERIODS ENDED 30 JUNE 2026 AND 30 JUNE 2025
(In millions of rupiah)
No. ACCOUNTS 30 JUN 2026 30 JUN 2025
OPERATIONAL INCOME AND EXPENSES
A. Interest income and expenses
1. Interest income 206,973 213,641
2. Interest expenses 69,526 70,990
Net interest income (expenses) 137,447 142,651
B. Other operational income and expenses
1. Gains (losses) from increase (decrease) fair value on financial assets 582 28
2. Gains (losses) from decrease (increase) fair value on financial liabilities - -
3. Gains (losses) on sale of financial assets - -
4. Gains (losses) on spot and derivatives/forward (realised) 316 642
5. Gains (losses) on investment under equity method - -
6. Gains (losses) from translation of foreign currency transactions (20) (16)
7. Dividend income - -
8. Commission/provision/fee and administration income 6,125 6,877
9. Other income 1,931 9,684
10. Impairment for financial assets 13,336 21,802
11. Losses on operational risk - 2,276
12. Personnel expenses 29,666 27,668
13. Promotion expenses 171 226
14. Others expenses 33,314 65,482
Net Other Operational Income (Expenses) (67,553) (100,239)
OPERATIONAL PROFIT (LOSS) 69,894 42,412
NON OPERATIONAL INCOME AND EXPENSES
1. Gains (losses) on sale of fixed assets and equipment - 133
2. Other non operational income (expenses) 110 10
NON OPERATIONAL PROFIT (LOSS) 110 143
CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 70,004 42,555
Income tax
a. Estimated current year tax 15,401 9,362
b. Deferred tax income (expenses) - -
NET PROFIT (LOSS) AFTER TAX 54,603 33,193
OTHER COMPREHENSIVE INCOME
1. Items that will not be reclassified to profit or loss
a. Revaluation surplus of fixed assets - -
b. Gains (losses) from actuary benefit program - -
c. Others - -
2. Items that will be reclassified to profit or loss
a. Gains (losses) arising from translation of financial statements in foreign currency - -
- -
b. Gains (losses) from changes in fair value of financial assets - debt instruments
measured through other comprehensive income - -
c. Others - -
OTHER COMPREHENSIVE INCOME FOR THE PERIOD AFTER INCOME TAX - -
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 54,603 33,193
Net Profit (Loss) Attributable To :
- Parent Entity 54,603 33,193
- Non-Controlling Interest
NET PROFIT (LOSS) FOR THE PERIOD 54,603 33,193
Total Comprehensive Profit (Loss) Attributable To :
- Parent Entity 54,603 33,193
- Non-Controlling Interest
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 54,603 33,193
PROFIT/LOSS TRANSFER TO HEAD OFFICE - -
DIVIDEND - -
EARNINGS PER SHARE (in full amount) 15 9
Page 4
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF COMMITMENTS & CONTINGENCIES
AS OF 30 JUNE 2026 AND 31 DECEMBER 2025
(In millions of rupiah)
No. ACCOUNTS 30 JUN 2026 31 DEC 2025
I. COMMITTED RECEIVABLES
1. Unused borrowings/financing facilities - -
2. Foreign currency positions to be received from spot and derivatives/forward transactions 223,500 212,690
3. Others 78,130 72,784
II. COMMITTED LIABILITIES
1. Unused credit/financing facilities
a. Committed 229,698 434,867
b. Uncommitted 353,881 230,026
2. Outstanding irrevocable letters of credit 568 1,088
3. Foreign currency positions to be submitted for spot and derivatives/forward transactions 253,449 7,671
4. Others - -
III. CONTINGENT RECEIVABLES
1. Received guarantees - -
2. Others 44,778 35,598
IV. CONTINGENT LIABILITIES
1. Issued guarantees 24,790 25,341
2. Others - -
Page 5
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF SPOT AND DERIVATIVE TRANSACTIONS
AS OF 30 JUNE 2026
(In millions of rupiah)
INDIVIDUAL
NO. TRANSACTIONS Notional Objectives Derivative Receivables and Payables
Amount Trading Hedging Receivables Payables
A. Related to Exchange Rate
1 Spot 289,209 - 289,209 230 198
2 Forward - - - - -
3 Option
a. Put - - - - -
b. Call - - - - -
4 Future - - - - -
5 Swap 187,740 - 187,740 769 219
6 Others - - - - -
B. Related to Interest Rate
1 Forward - - - - -
2 Option
a. Put - - - - -
b. Call - - - - -
3 Future - - - - -
4 Swap - - - - -
5 Others - - - - -
C. Others - - - - -
TOTAL 476,949 - 476,949 999 417
Page 6
PT BANK OF INDIA INDONESIA TBK
CALCULATION OF CAPITAL ADEQUACY RATIO / CAR
AS OF 30 JUNE 2026 AND 30 JUNE 2025
(In millions of rupiah)
CAPITAL COMPONENTS 30 JUN 2026 30 JUN 2025
I Core Capital (Tier 1) 3,462,494 3,383,276
1 Common Equity Tier 1 (CET 1) 3,462,494 3,383,276
1.1 1.1. Paid-in Capital (After the deduction of treasury stock) 737,773 737,773
1.2 1.2. Disclosed Reserves 2,746,253 2,670,946
1.2.1 Addition Factor 3,084,993 3,056,074
1.2.1.1 Other comprehensive income 115,136 107,627
1.2.1.1.1 Translation of financial statements in foreign currency - -
Unrealized gain on financial assets measured through other
1.2.1.1.2 - -
comprehensive income
1.2.1.1.3 Revaluation surplus of fixed assets 115,136 107,627
1.2.1.2 Other disclosed reserve 2,969,857 2,948,447
1.2.1.2.1 Agio / Disagio 2,895,254 2,895,254
1.2.1.2.2 General Reserves 20,000 20,000
1.2.1.2.3 Previous year's profit - -
1.2.1.2.4 Current year's profit 54,603 33,193
1.2.1.2.5 Fund for paid-in capital - -
1.2.1.2.6 Others - -
1.2.2 Deduction Factor (338,740) (385,128)
1.2.2.1 Other comprehensive income - -
1.2.2.1.1 Translation of financial statements in foreign currency - -
Unrealized loss on financial assets measured through other comprehensive
1.2.2.1.2 - -
account
1.2.2.2 Other disclosed reserve (338,740) (385,128)
1.2.2.2.1 Disagio - -
1.2.2.2.2 Previous year's losses (253,748) (302,031)
1.2.2.2.3 Current year's losses - -
Difference between allowance for possible losses and allowance for
1.2.2.2.4 (42,297) (8,177)
impairment losses on earning assets
Difference on the total of fair value adjustment from financial instruments in
1.2.2.2.5 - -
trading book
1.2.2.2.6 Allowance for losses on non productive assets required to be provided (42,695) (74,920)
1.2.2.2.7 Others - -
1.3 Non-controlling interest - -
1.4 Deduction Factor of Common Equity Tier 1 (21,532) (25,443)
1.4.1 Deferred tax (16,568) (20,681)
1.4.2 Goodwill - -
1.4.3 Other intangible assets (4,964) (4,762)
1.4.4 Investments in shares of stock - -
1.4.5 Shortage of capital on insurance subsidiary company - -
1.4.6 Securitisation Exposure - -
1.4.7 Other deduction factor of common equity tier 1 - -
Investments in Instruments issued by the other bank that meet the criteria
1.4.7.1
for inclusion in additional tier 1 and tier 2
Cross ownership of other entities obtained due to transfer because of law,
1.4.7.2 - -
grant, or bequest
2 Additional Tier 1 Capital (AT-1) - -
2.1 Instruments that meet the criteria of AT 1 - -
2.2 Agio / Disagio - -
2.3 Deduction factor - -
2.3.1 Investments in Instruments issued by the other bank that meet the criteria for inclusion
- -
in additional tier 1 and tier 2
2.3.2 Cross ownership of other entities obtained due to transfer because of law, grant, or
- -
bequest
Page 7
CAPITAL COMPONENTS 30 JUN 2026 30 JUN 2025
II Tier 2 Capital 33,819 32,085
1 Instruments issued by the bank that meet the criteria for inclusion in
- -
tier 2 capital
2 Agio/disagio - -
3 General allowance for losses on earning assets (max. 1.25% from risk-weighted assets) 33,819 32,085
4 Deduction Factor of Tier 2 Capital - -
4.1 Sinking Fund - -
4.2 Investments in Instruments issued by the other bank that meet the criteria for inclusion in
- -
additional tier 2
4.3 Cross ownership of other entities obtained due to transfer because of law, grant, or bequest
- -
TOTAL CAPITAL 3,496,313 3,415,361
RISK-WEIGHTED ASSETS (RWAs)
RWAs CONSIDERING CREDIT RISK 3,787,097 3,527,971
RWAs CONSIDERING MARKET RISK - -
RWAs CONSIDERING OPERATIONAL RISK 241,595 218,466
TOTAL RISK-WEIGHTED ASSETS 4,028,692 3,746,437
Min. Capital Requirements Based on Risk Profile 9.99% 9.99%
REGULATORY MINIMUM CAPITAL REQUIREMENT ALLOCATION BASED
ON RISK PROFILE
From CET1 ( % ) 9.99% 9.99%
From AT1 ( % ) 0.00% 0.00%
From Tier 2 ( % ) 0.00% 0.00%
CAR RATIO
CET 1 Ratio (%) 85.95% 90.31%
Tier 1 Ratio (%) 85.95% 90.31%
Tier 2 Ratio (%) 0.84% 0.86%
CAR Ratio 86.79% 91.17%
CET 1 FOR BUFFER (%) 76.80% 80.32%
REGULATORY BUFFER PERCENTAGE REQUIRED BY BANK (%)
Capital Conservation Buffer (%) 0.00% 0.00%
Countercyclical Buffer (%) 0.00% 0.00%
Capital Surcharge for Systemic Bank (%) 0.00% 0.00%
Page 8
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF CASH FLOWS
FOR THE PERIODS ENDED 30 JUNE 2026 AND 30 JUNE 2025
(In millions of rupiah)
ACCOUNTS 30 JUN 2026 30 JUN 2025
CASH FLOWS FROM OPERATING ACTIVITIES
Receipt of interest income, fees and commissions 200,263 222,132
Other operating income 4,742 9,389
Payments of interest expenses, fees and commissions (77,297) (76,772)
Payments of post-employment benefits (28,416) (26,418)
Payment of general, administration, maintenance and repairs (24,324) (23,351)
Other non-operating income / (expense) - net 110 10
Operating Profit before changes in operating activities 75,078 104,990
Changes in operating assets and liabilities
Decrease / (Increase) in operating assets :
Loans (300,361) (66,554)
Other assets (43,215) (48,808)
Increase (decrease) in operating liabilities :
Obligations Due Immediately 3,280 1,397
Deposits 72,771 (755)
Other liabilities 3,294 1,993
Net cash provided by (used in) operating activities (189,153) (7,737)
CASH FLOWS FROM INVESTING ACTIVITIES
Decrease (increase) in securities held until maturity (191,218) 367,066
Proceeds from sale of fixed assets - 133
Acquisitions of fixed assets and intangible assets (2,001) (935)
Decrease (Increase) in securities purchased under resale agreements 101,488 (29,771)
Net cash provided by investing activities (91,731) 336,493
CASH FLOWS FROM FINANCING ACTIVITIES
Payment of lease liabilities (555) (274)
Stock issuance costs - -
Net cash provided by financing activities (555) (274)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS (281,439) 328,482
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR 1,018,219 275,651
Effect of foreign exchange rate changes (20) (16)
CASH AND CASH EQUIVALENTS AT END OF YEAR 736,760 604,117
SUPPLEMENTAL DISCLOSURES
Cash and cash equivalents consist of :
Cash 22,018 22,045
Current accounts with Bank Indonesia 188,806 137,536
Current accounts with other banks 13,656 17,535
Placements with Bank Indonesia and other banks - mature within 3
512,280 427,001
(three) months
Total cash and cash equivalents 736,760 604,117
Page 9
PT BANK OF INDIA INDONESIA TBK
FINANCIAL RATIOS CALCULATION
AS OF 30 JUNE 2026 AND 30 JUNE 2025
No. RATIO 30 JUN 2026 30 JUN 2025
I. Performance Ratio
1 Capital Adequacy Ratio (CAR) 86.79% 97.17%
2 Non performing earning assets and non earning assets to total 3.94% 5.42%
earning assets and non earning assets
3 Non perfoming earning assets to total earning assets 3.17% 4.59%
4 Allowance for impairment on financial assets to earning assets 1.16% 2.14%
5 NPL gross 5.28% 7.36%
6 NPL net 3.97% 4.36%
7 Return on Asset (ROA) 1.94% 1.26%
8 Return on Equity (ROE) 3.23% 1.96%
9 Net Interest Margin (NIM) 4.09% 4.42%
10 Operating Expenses to Operating Income (BOPO) 71.38% 83.55%
11 Cost to Income Ratio (CIR) 52.38% 46.55%
12 Loan to Deposits Ratio (LDR) 122.44% 128.34%
II. Compliance
1 a. Percentage Violation of Legal Lending Limit
I. Related parties - -
II. Non related parties - -
b. Percentage Lending in excess of Legal Lending Limit
I. Related parties - -
II. Non related parties - -
2 Reserve Requirement
a. Primary Reserve Requirement (Rupiah) 5.41% 4.35%
b. Reserve Requirement (Foreign currencies) 4.39% 4.34%
3 Net Open Position 0.06% 0.25%
Page 10
EARNING ASSETS QUALITY AND OTHER INFORMATION
BANK : PT BANK OF INDIA INDONESIA TBK
DATE OF REPORT : 30 JUNE 2026 AND 30 JUNE 2025
(In millions of Rupiah)
INDIVIDUAL
No. ACCOUNTS 30 JUNE 2026 30 JUNE 2025
L DPK KL D M Total L DPK KL D M Total
I. RELATED PARTIES
1. Placement with other banks 1,112 - - - - 1,112 10,852 - - - - 10,852
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies 1,112 - - - - 1,112 10,852 - - - 10,852
2. Spot and derivative/forward receivables - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
3. Securities - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Claims on securities bought under reverse repo - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables - - - - - - - - - - - -
7. Loans and financing - - - - - - 46 - - - - 46
a. Micro, small and medium enterprises (UMKM) - - - - - - - - - - - -
i. Rupiah - - - - - - - - - - - -
ii.. Foreign currencies - - - - - - - - - - - -
b. Non micro, small and medium enterprises (non UMKM) - - - - - - 46 - - - - 46
i. Rupiah - - - - - - 46 - - - - 46
ii.. Foreign currencies - - - - - - - - - - -
c. Restructured loans - - - - - - - - - - - -
i. Rupiah - - - - - - - - - - - -
ii.. Foreign currencies - - - - - - - - - - - -
8. Equity investment - - - - - - - - - - - -
9. Other receivables* - - - - - - - - - - - -
10. Commitments and contingencies - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
Page 11
EARNING ASSETS QUALITY AND OTHER INFORMATION
BANK : PT BANK OF INDIA INDONESIA TBK
DATE OF REPORT : 30 JUNE 2026 AND 30 JUNE 2025
(In millions of Rupiah)
INDIVIDUAL
No. ACCOUNTS 30 JUNE 2026 30 JUNE 2025
L DPK KL D M Total L DPK KL D M Total
II NON RELATED PARTIES
1. Placement with other banks 169,824 - - - - 169,824 16,685 - - - - 16,685
a. Rupiah 51,041 - - - - 51,041 11,046 - - - - 11,046
b. Foreign currencies 118,783 - - - - 118,783 5,639 - - - - 5,639
2. Spot and derivative/forward receivables 999 - - - - 999 173 - - - - 173
a. Rupiah 999 - - - - 999 173 - - - - 173
b. Foreign currencies - - - - - - - - - - - -
3. Securities 1,859,402 - - - - 1,859,402 1,595,675 - - - - 1,595,675
a. Rupiah 1,859,402 - - - - 1,859,402 1,595,675 - - - - 1,595,675
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Claims on securities bought under reverse repo - - - - - - 296,216 - - - - 296,216
a. Rupiah - - - - - - 296,216 - - - - 296,216
b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables 1,657 - - - - 1,657 - - - - - -
7. Loans and financing 3,661,766 618,508 - 1,697 236,685 4,518,656 3,647,424 288,998 - 11,762 301,135 4,249,319
a. Micro, small and medium enterprises (UMKM) 434,671 34,596 - 1,697 120,153 591,117 396,117 103,642 - 2,570 28,840 531,169
i. Rupiah 419,283 34,596 - 1,697 120,153 575,729 378,473 103,642 - 2,570 28,840 513,525
ii.. Foreign currencies 15,388 - - - - 15,388 17,644 - - - - 17,644
b. Non micro, small and medium enterprises (non UMKM) 3,227,095 583,912 - - 116,532 3,927,539 3,251,307 185,356 - 9,192 272,295 3,718,150
i. Rupiah 2,368,761 583,912 - - 54,426 3,007,099 2,681,584 185,356 - 9,192 30,914 2,907,046
ii.. Foreign currencies 858,334 - - - 62,106 920,440 569,723 - - - 241,381 811,104
c. Restructured loans 12,531 136,481 - - 70,881 219,893 - 87,143 - - 256,156 343,299
i. Rupiah 12,531 136,481 - - 8,775 157,787 - 87,143 - - 14,775 101,918
ii.. Foreign currencies - - - - 62,106 62,106 - - - - 241,381 241,381
8. Equity investment - - - - - - - - - - - -
9. Other receivables* 568 - - - - 568 1,507 - - - - 1,507
10. Commitments and contingencies 608,366 3 - - - 608,369 229,293 44 - - - 229,337
a. Rupiah 436,795 3 - - - 436,798 183,111 44 - - - 183,155
b. Foreign currencies 171,571 - - - - 171,571 46,182 - - - - 46,182
III OTHER INFORMATION
1. Value of bank's assets pledge as collateral : - -
a. To Bank Indonesia - -
b. To Other Parties - -
2. Foreclosed assets 59,855 59,855
Page 12
PT BANK OF INDIA INDONESIA TBK
ALLOWANCE FOR IMPAIRMENTS LOSSES ON EARNINGS ASSETS
AS OF 30 JUNE 2026 AND 30 JUNE 2025
(In millions of Rupiah)
30 JUNE 2026 30 JUNE 2025
Calculate Allowance Calculate Allowance
No. ACCOUNTS Allowance for Impairment for Possible Allowance for Impairment for Possible
Losses on Earning Assets Losses on Earning Assets
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific
1. Placement with other banks 2 - - 1,709 - 4 - - 275 -
2. Spot and derivative/forward receivables - - - 10 - - - - 2 -
3. Securities - - - 274 - - - - - -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - -
5. Claims on securities bought under reverse repo - - - - - - - - - -
6. Acceptance receivables - - - 16 - - - - - -
7. Loans and financing 7,829 12,845 59,003 31,566 88,256 7,571 5,328 127,683 31,499 116,729
8. Equity investment - - - - - - - - -
9. Other receivables* - - - 6 - - - - 15 -
10. Commitments and Contingencies 98 - - 238 - 53 - - 293 2
*) Among others, it consists of unaccepted sight L/C or usance LC receivables, purchased/overwritten traveler's checks, advances to customers, inkaso receivables, bailouts in the framework of government programs.
Page 13
Bank of India
Parent Entity of PT Bank of India Indonesia Tbk
To comply with the Financial Services Authority Regulation (POJK) Number 18 of 2025 dated 4 August 2025 concerning
Transparency and Publication of Bank Reports, and the Financial Services Authority Circular Letter (SEOJK) Number
29/SEOJK.03/2025 dated 26 November 2025 concerning Transparency and Publication of Conventional Commercial
Bank's Reports, the following is the Consolidated Financial Statements of Bank of India for the periods ended 31 March
2026 and 31 March 2025.
As of 31 March 2026, Bank of India held 90.96% of the shares of PT Bank of India Indonesia Tbk, thereby directly acting
as the Controlling Shareholder of PT Bank of India Indonesia Tbk.
BALANCE SHEET
Position as of 31 March 2026 and 31 March 2025
In Millions Rupiah
Pos-Pos 31 MAR 2026 31 MAR 2025
CAPITAL AND LIABILITIES
Capital 8,230,744 8,786,715
Reserves and Surplus 154,700,662 147,301,565
Deposits 1,682,827,536 1,581,979,600
Borrowings 214,428,159 239,030,897
Other Liabilities and provisions 71,970,353 61,484,565
TOTAL 2,132,157,454 2,038,583,342
ASSETS
Cash and balances with Reserve Bank of India 86,150,975 100,587,214
Balances with bank and money at call and short notice 93,866,788 93,998,254
Investments 504,471,750 517,164,019
Advances 1,382,183,997 1,261,094,109
Fixed Assets 21,469,028 23,246,980
Other Assets 44,014,915 42,492,766
TOTAL 2,132,157,454 2,038,583,342
PROFIT AND LOSS
Position as of 31 March 2026 and 31 March 2025
In Millions Rupiah
Pos-Pos 31 MAR 2026 31 MAR 2025
INCOME
Interest earned 136,678,565 137,602,488
Interest/ discount on advances/bills 97,236,787 97,135,733
Income on Investments 32,884,871 33,545,133
Interest on balances with RBI and other inter bank funds 4,999,550 6,186,213
Other interest income 1,557,356 735,409
Other Income 18,141,580 17,569,397
TOTAL INCOME 154,820,145 155,171,885
EXPENSES
Interest expended 90,632,142 89,912,789
Operating expenses 32,989,712 33,209,963
a. Employees cost 18,888,823 20,044,392
b. Other operating expenses 14,100,889 13,165,571
TOTAL EXPENSES 123,621,854 123,122,752
PROFIT/LOSS
Provisions and Contingencies 5,762,647 7,815,324
Operating Profit 31,198,290 32,049,133
Profit Before Tax 24,497,861 24,233,809
Tax Income (Expense) 6,260,514 6,211,434
Net Profit for the period 18,237,346 18,022,375
Page 14
As of 30 Juni 2026
BANK MANAGEMENT
Board of Commissioners:
President Commissioner : Ashok Kumar Pathak
Independent Commissioner : Handadjaja Sulaiman
Independent Commissioner : Lungguk Gultom
Directors:
President Director : K S B Chandramouli
Business Director : Amit Kumar Singh
Operation Director : Carolina Dina Rusdiana
Compliance Director : Dennis Kusuma Halim
Finance Director : Rahmat Hendratama
SHAREHOLDERS
Controlling Shareholders (PSP):
- Bank of India 90.96%
Non-controlling shareholders through capital market (≥ 5%):
Nil -
Non-controlling shareholders not through the capital market (≥ 5%):
Nil -
Other Shareholders:
- Public (Each Shareholding ≤ 5%) 9.04%
BANK OF INDIA SHAREHOLDERS*)
Indian Government 73.38%
Public 26.62%
Page 15
Notes:
● The publication report is presented to fulfill the following conditions:
1. Financial Services Authority Regulation Number 18 of 2025 dated 4 August 2025 concerning Transparency and Publication of Bank Reports.
2. Financial Services Authority Circular Letter Number 29/SEOJK.03/2025 dated 26 November 2025 concerning Transparency and Publication of
Conventional Commercial Bank's Reports.
3. Financial Services Authority Regulation Number 17 of 2023 dated 14 September 2023 concerning the Implementation of Good Corporate
Governance for Commercial Banks.
4. Financial Services Authority Circular Letter Number 14/SEOJK.03/2025 dated 24 June 2025 concerning the Implementation of Good Corporate
Governance for Commercial Banks.
5. Financial Services Authority Regulation Number 14 / POJK.04/2022 dated 18 August 2022 concerning Submission of Periodic Financial Reports of
Issuers or Public Companies.
6. Regulation No. VIII.G.7 which is an attachment to the Decree of the Chairman of the Capital Market and Financial Institution Supervisory Agency
(“Bapepam-LK”) No. KEP-347/BL/2012 dated 25 June 2012 regarding Presentation and Disclosure of Financial Statements of Issuers or Public
Companies.
● Exchange rate as of 31 December 2025: 1 USD = Rp 16,675.00,-
Exchange rate as of 30 June 2025: 1 USD = Rp 16,235.00,-
Exchange rate as of 30 June 2026: 1 USD = Rp 17,880.00,-
Exchange rate as of 27 March 2025: 1 INR = Rp 192.97,-
Exchange rate as of 31 March 2026: 1 USD = Rp 180.76,-
Jakarta, 28 July 2026
S.E., & O
PT Bank of India Indonesia Tbk
BOARD OF DIRECTORS
K S B Chandramouli Rahmat Hendratama
President Director Finance Director
PT Bank of India Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia, and a member of Indonesia Deposit
Insurance Corporation (Lembaga Penjamin Simpanan/LPS)
Names mentioned 17 people and organisations named in the text · linked when the evidence is strong
unresolved
person
K.H. Samanhudi
p.1
unresolved
person
H. Zainul Arifin
p.1
unresolved
org
Bank Indonesia
p.2 ×6
unresolved
org
India Indonesia Tbk
p.13 ×5
unresolved
org
Financial Services Authority
p.13 ×8
unresolved
org
Bapepam-LK
p.15 ×2
unresolved
org
Indonesia Deposit Insurance Corporation
p.15
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