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PT BANK OF INDIA INDONESIA TBK FINANCIAL STATEMENTS
AS OF 30 JUNE 2025 AND 30 JUNE 2024 (UNAUDITED)
HEAD OFFICE
Jl. K.H. Samanhudi No. 37. Jakarta, Telp. : 021-3500007 (Hunting), Fax : 021 - 3808178, Contact Center : Hello BOII 150707
Website : www.boiindonesia.co.id, Email : corporate@boiindonesia.co.id. Share Code : BSWD, SWIFT BKIDIDJA.
BRANCH OFFICE
Samanhudi : Jl. Samanhudi No. 37 Central Jakarta 10710
Mangga Dua : Wisma Eka Jiwa Jl. Arteri Mangga Dua Raya Blok RM No. 17 Mangga Dua South Jakarta 10730
Bandung : Jl. Veteran No. 49 Bandung
Tunjungan : Jl. Tunjungan No. 32 Surabaya East Java
Coklat : Jl. Coklat No. 20-22 Surabaya 60161
Denpasar : Ruko Indah Blok 27 Diponegoro Street No. 135-137
Medan : Jl. H. Zainul Arifin No. 55-C/31
Makassar : Jl. Ujung Pandang (Ex. Taman Bahari) No. 13
SUB-BRANCH OFFICE
Kelapa Gading : Graha KNS, Jl Raya Boulevard Barat Blok XC 5-6 Kelapa Gading North Jakarta 14240
Sunter : Jl. Danau Sunter Utara (Sunter Garden Complex) Blok D-1 Kav. 12-13 No. 3 North Jakarta 14350
Kramat Jati : Jl. Raya Bogor KM 21 No. 18 Kramat Jati East Jakarta 13830
MD Place : MD Place Tower 2 South Setiabudi Street No. 7 South Jakarta
Ngagel : Ngagel Jaya South Street No. 169-A Surabaya 60284
Wiyung : Taman Pondok Indah Shophouse Block A-37 Jl. Raya Menganti 211
CASH OFFICE
Gandhi National School : Jl. Pangandaran IX Blok B4 West Ancol North Jakarta
Gandhi Memorial Intercontinental
: Jl. H.B.R Motik - Blok D.6 No. 1 Kemayoran Central Jakarta
School (GMIS)
Page 2
PT BANK OF INDIA INDONESIA TBK
STATEMENTS OF FINANCIAL POSITION
AS OF 30 JUNE 2025 AND 31 DECEMBER 2024
(In millions of rupiah)
No. ACCOUNTS 30 JUN 2025 31 DEC 2024
ASSETS
1. Cash 22,045 14,061
2. Placements with Bank Indonesia 554,536 254,321
3. Placements with other banks 27,537 7,270
4. Spot and derivative/forward receivables 173 1,350
5. Securities 1,595,675 1,962,741
6. Securities sold under repurchase agreement (repo) - -
7. Securities purchased under resell agreements (reverse repo) 296,216 266,444
8. Acceptance receivables - -
9. Loans and financing 4,249,365 4,140,311
10. Sharia financing - -
11. Equity investment - -
12. Other financial assets 18,660 21,565
13. Impairment on financial assets -/-
a. Securities - -
b. Loans and Sharia financing 140,582 119,077
c. Others - -
14. Intangible assets 28,362 27,683
Accumulated amortization on intangible asset -/- 23,600 22,202
15. Fixed assets and equipment 157,636 157,658
Accumulated depreciation on fixed assets and equipment -/- 32,023 31,793
16. Non earning assets
a. Abandoned property - -
b. Foreclosed assets 59,855 96,235
c. Suspense accounts - -
d. Interbranch assets - -
17. Other assets 35,158 38,590
TOTAL ASSETS 6,849,008 6,815,157
No. ACCOUNTS 30 JUN 2025 31 DEC 2024
LIABILITIES
1. Current account 496,892 481,456
2. Saving account 98,569 96,460
3. Time deposit 2,715,632 2,524,789
4. Electronic money - -
5. Liabilities to Bank Indonesia - -
6. Liabilities to other banks 155 209,297
7. Spot and derivative/forward liabilities 145 2,204
8. Liabilities on securities sold under repurchase agreement (repo) - -
9. Acceptance liabilities - -
10. Issued securities - -
11. Loans/financing received - -
12. Margin deposit 747 744
13. Interbranch liabilities - -
14. Other liabilities 46,312 42,843
TOTAL LIABILITIES 3,358,452 3,357,793
EQUITIES
15. Paid in capital
a. Capital 2,200,000 2,200,000
b. Unpaid capital -/- 1,462,227 1,462,227
c. Treasury stock -/- - -
16. Additional paid in capital
a. Agio 2,895,254 2,895,254
b. Disagio -/- - -
c. Fund for paid up capital - -
d. Others - -
17. Other comprehensive income
a. Gains 107,627 107,627
b. Losses -/- 1,260 1,260
18. Reserves
a. General reserves 20,000 20,000
b. Appropriated reserves - -
19. Gain/loss
a. Previous years (302,031) (380,785)
b. Current Year 33,193 78,755
c. Dividends paid -/- - -
TOTAL EQUITIES 3,490,556 3,457,364
TOTAL LIABILITIES AND EQUITIES 6,849,008 6,815,157
Page 3
PT BANK OF INDIA INDONESIA TBK
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
FOR THE PERIODS ENDED 30 JUNE 2025 AND 30 JUNE 2024
(In millions of rupiah)
No. ACCOUNTS 30 JUN 2025 30 JUN 2024
OPERATIONAL INCOME AND EXPENSES
A. Interest income and expenses
1. Interest income 213,641 196,446
2. Interest expenses 70,990 63,370
Net interest income (expenses) 142,651 133,076
B. Other operational income and expenses
1. Gains (losses) from increase (decrease) fair value on financial assets 28 (222)
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) 642 586
5. Gains (losses) on investment under equity method - -
6. Gains (losses) from translation of foreign currency transactions (16) (37)
7. Dividend income - -
8. Commission/provision/fee and administration income 6,877 7,011
9. Other income 9,684 12,910
10. Impairment for financial assets 21,802 50,441
11. Losses on operational risk 2,276 -
12. Personnel expenses 29,883 28,801
13. Promotion expenses 226 245
14. Others expenses 63,132 29,060
Net Other Operational Income (Expenses) (100,104) (88,299)
OPERATIONAL PROFIT (LOSS) 42,547 44,777
NON OPERATIONAL INCOME AND EXPENSES
1. Gains (losses) on sale of fixed assets and equipment 133 51
2. Other non operational income (expenses) (125) (134)
NON OPERATIONAL PROFIT (LOSS) 8 (83)
CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 42,555 44,694
Income tax
a. Estimated current year tax 9,362 9,833
b. Deferred tax income (expenses) - -
NET PROFIT (LOSS) AFTER TAX 33,193 34,861
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 33,193 34,861
Net Profit (Loss) Attributable To :
- Parent Entity 33,193 34,861
- Non-Controlling Interest
NET PROFIT (LOSS) FOR THE PERIOD 33,193 34,861
Total Comprehensive Profit (Loss) Attributable To :
- Parent Entity 33,193 34,861
- Non-Controlling Interest
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 33,193 34,861
PROFIT/LOSS TRANSFER TO HEAD OFFICE - -
DIVIDEND - -
EARNINGS PER SHARE (in full amount) 9 9
Page 4
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF COMMITMENTS & CONTINGENCIES
AS OF 30 JUNE 2025 AND 31 DECEMBER 2024
(In millions of rupiah)
No. ACCOUNTS 30 JUN 2025 31 DEC 2024
I. COMMITTED RECEIVABLES
1. Unused borrowings/financing facilities - -
2. Foreign currency positions to be received from spot and derivatives/forward transactions 262,925 554,473
3. Others 70,836 70,482
II. COMMITTED LIABILITIES
1. Unused credit/financing facilities
a. Committed - -
b. Uncommitted 199,050 220,195
2. Outstanding irrevocable letters of credit 1,507 -
3. Foreign currency positions to be submitted for spot and derivatives/forward transactions 194,252 337,995
4. Others - -
III. CONTINGENT RECEIVABLES
1. Received guarantees - -
2. Others 28,277 18,429
IV. CONTINGENT LIABILITIES
1. Issued guarantees 30,287 30,418
2. Others - -
Page 5
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF SPOT AND DERIVATIVE TRANSACTIONS
AS OF 30 JUNE 2025
(In millions of rupiah)
INDIVIDUAL
NO. TRANSACTIONS Notional Objectives Derivative Receivables and Payables
Amount Trading Hedging Receivables Payables
A. Related to Exchange Rate
1 Spot 457,025 - 457,025 152 145
2 Forward - - - - -
3 Option
a. Put - - - - -
b. Call - - - - -
4 Future - - - - -
5 Swap 81,154 - 81,154 21 -
6 Others - - - - -
B. Related to Interest Rate
1 Forward - - - - -
2 Option
a. Put - - - - -
b. Call - - - - -
3 Future - - - - -
4 Swap - - - - -
5 Others - - - - -
C. Others - - - - -
TOTAL 538,179 - 538,179 173 145
Page 6
PT BANK OF INDIA INDONESIA TBK
CALCULATION OF CAPITAL ADEQUACY RATIO / CAR
AS OF 30 JUNE 2025 AND 30 JUNE 2024
(In millions of rupiah)
CAPITAL COMPONENTS 30 JUN 2025 30 JUN 2024
I Core Capital (Tier 1) 3,383,276 3,254,715
1 Common Equity Tier 1 (CET 1) 3,383,276 3,254,715
1.1 1.1. Paid-in Capital (After the deduction of treasury stock) 737,773 737,773
1.2 1.2. Disclosed Reserves 2,670,946 2,543,809
1.2.1 Addition Factor 3,056,074 3,057,642
1.2.1.1 Other comprehensive income 107,627 107,627
1.2.1.1.1 Translation of financial statements in foreign currency - -
Unrealized gain on financial assets measured through other
1.2.1.1.2 - -
comprehensive income
1.2.1.1.3 Revaluation surplus of fixed assets 107,627 107,627
1.2.1.2 Other disclosed reserve 2,948,447 2,950,015
1.2.1.2.1 Agio / Disagio 2,895,254 2,895,154
1.2.1.2.2 General Reserves 20,000 20,000
1.2.1.2.3 Previous year's profit - -
1.2.1.2.4 Current year's profit 33,193 34,861
1.2.1.2.5 Fund for paid-in capital - -
1.2.1.2.6 Others - -
1.2.2 Deduction Factor (385,128) (513,833)
1.2.2.1 Other comprehensive income - -
1.2.2.1.1 Translation of financial statements in foreign currency - -
Unrealized loss on financial assets measured through other
1.2.2.1.2 - -
comprehensive account
1.2.2.2 Other disclosed reserve (385,128) (513,833)
1.2.2.2.1 Disagio - -
1.2.2.2.2 Previous year's losses (302,031) (380,785)
1.2.2.2.3 Current year's losses - -
Difference between allowance for possible losses and allowance for
1.2.2.2.4 (8,177) (40,934)
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 (74,920) (92,114)
1.2.2.2.7 Others - -
1.3 Non-controlling interest - -
1.4 Deduction Factor of Common Equity Tier 1 (25,443) (26,867)
1.4.1 Deferred tax (20,681) (23,326)
1.4.2 Goodwill - -
1.4.3 Other intangible assets (4,762) (3,541)
1.4.4 Investments in shares of stock - -
1.4.5 Shortage of capital on insurance subsidiary company - -
1.4.6 Securitisation Exposure - -
1.4.7 Other deduction factor of common equity tier 1 - -
Investments in Instruments issued by the other bank that meet the criteria
1.4.7.1
for inclusion in additional tier 1 and tier 2
Cross ownership of other entities obtained due to transfer because of law,
1.4.7.2 - -
grant, or bequest
2 Additional Tier 1 Capital (AT-1) - -
2.1 Instruments that meet the criteria of AT 1 - -
2.2 Agio / Disagio - -
2.3 Deduction factor - -
2.3.1 Investments in Instruments issued by the other bank that meet the criteria for inclusion
- -
in additional tier 1 and tier 2
2.3.2 Cross ownership of other entities obtained due to transfer because of law, grant, or
- -
bequest
Page 7
CALCULATION OF CAPITAL ADEQUACY RATIO / CAR
AS OF 30 JUNE 2025 AND 30 JUNE 2024
(In millions of rupiah)
CAPITAL COMPONENTS 30 JUN 2025 30 JUN 2024
II Tier 2 Capital 32,085 31,413
1 Instruments issued by the bank that meet the criteria for inclusion in
- -
tier 2 capital
2 Agio/disagio - -
3 General allowance for losses on earning assets (max. 1.25% from risk-weighted assets) 32,085 31,413
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 3,415,361 3,286,128
RISK-WEIGHTED ASSETS (RWAs)
RWAs CONSIDERING CREDIT RISK 3,527,971 3,521,888
RWAs CONSIDERING MARKET RISK - -
RWAs CONSIDERING OPERATIONAL RISK 218,466 191,181
TOTAL RISK-WEIGHTED ASSETS 3,746,437 3,713,069
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 (%) 90.31% 87.66%
Tier 1 Ratio (%) 90.31% 87.66%
Tier 2 Ratio (%) 0.86% 0.85%
CAR Ratio 91.17% 88.50%
CET 1 FOR BUFFER (%) 80.32% 77.66%
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 2025 AND 30 JUNE 2024
(In millions of rupiah)
ACCOUNTS 30 JUNE 2025 30 JUNE 2024
CASH FLOWS FROM OPERATING ACTIVITIES
Receipt of interest income, fees and commissions 222,132 195,071
Other operating income 8,846 12,371
Payments of interest expenses, fees and commissions (65,496) (72,895)
Payments of post-employment benefits (28,633) (28,908)
Payment of general, administration, maintenance and repairs (19,622) (21,317)
Payment of tax expenses - -
Other non-operating income / (expense) - net (125) (134)
Operating Profit before changes in operating activities 117,102 84,188
Changes in operating assets and liabilities
Decrease / (Increase) in operating assets :
Loans (87,550) (342,788)
Other assets (46,659) (48,634)
Increase (decrease) in operating liabilities :
Obligations Due Immediately 1,397 10,737
Deposits (754) 965,286
Other liabilities 9,283 (8,260)
Net cash provided by (used in) operating activities (7,181) 660,529
CASH FLOWS FROM INVESTING ACTIVITIES
Decrease (increase) in securities held until maturity 367,066 (666,283)
Proceeds from sale of fixed assets 133 153
Acquisitions of fixed assets and intangible assets (1,495) (311)
Decrease (Increase) in securities purchased under resale agreements (29,771) (87,504)
Net cash provided by investing activities 335,933 (753,945)
CASH FLOWS FROM FINANCING ACTIVITIES
Payment of lease liabilities (274) (247)
Stock issuance costs - -
Net cash provided by financing activities (274) (247)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 328,478 (93,663)
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR 275,651 437,799
Effect of foreign exchange rate changes (16) 586
CASH AND CASH EQUIVALENTS AT END OF YEAR 604,113 344,722
SUPPLEMENTAL DISCLOSURES
Cash and cash equivalents consist of :
Cash 22,045 14,885
Current accounts with Bank Indonesia 137,536 173,545
Current accounts with other banks 17,535 7,292
Placements with Bank Indonesia and other banks - mature within 3
426,997 149,000
(three) months
Total cash and cash equivalents 604,113 344,722
Page 9
PT BANK OF INDIA INDONESIA TBK
FINANCIAL RATIOS CALCULATION
AS OF 30 JUNE 2025 AND 30 JUNE 2024
No. RATIO 30 JUNE 2025 30 JUNE 2024
I. Performance Ratio
1 Capital Adequacy Ratio (CAR) 91.17% 88.50%
2 Non performing earning assets and non earning assets to 5.42% 4.23%
total earning assets and non earning assets
3 Non perfoming earning assets to total earning assets 4.59% 2.58%
4 Allowance for impairment on financial assets to earning 2.14% 1.70%
assets
5 NPL gross 7.36% 4.35%
6 NPL net 4.36% 3.16%
7 Return on Asset (ROA) 1.26% 1.40%
8 Return on Equity (ROE) 1.96% 2.11%
9 Net Interest Margin (NIM) 4.42% 4.40%
10 Operating Expenses to Operating Income (BOPO) 83.55% 80.99%
11 Cost to Income Ratio (CIR) 46.55% 44.98%
12 Loan to Deposits Ratio (LDR) 128.34% 109.43%
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) 4.35% 5.16%
b. Reserve Requirement (Foreign currencies) 4.34% 4.28%
3 Net Open Position 0.25% 0.18%
Page 10
EARNING ASSETS QUALITY AND OTHER INFORMATION
BANK : PT BANK OF INDIA INDONESIA TBK
DATE OF REPORT : 30 JUNE 2025 AND 30 JUNE 2024
(In millions of Rupiah)
INDIVIDUAL
No. ACCOUNTS 30 JUNE 2025 30 JUNE 2024
L DPK KL D M Total L DPK KL D M Total
I. RELATED PARTIES
1. Placement with other banks 10,852 - - - - 10,852 2,115 - - - - 2,115
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies 10,852 - - - - 10,852 2,115 - - - 2,115
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 7 - - - - 7
a. Micro, small and medium enterprises (UMKM) - - - - - - - - - - - -
i. Rupiah - - - - - - - - - - - -
ii.. Foreign currencies - - - - - - - - - - - -
b. Non micro, small and medium enterprises (non UMKM) 46 - - - - 46 7 - - - - 7
i. Rupiah 46 - - - - 46 7 - - - - 7
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 2025 AND 30 JUNE 2024
(In millions of Rupiah)
INDIVIDUAL
No. ACCOUNTS 30 JUNE 2025 30 JUNE 2024
L DPK KL D M Total L DPK KL D M Total
II NON RELATED PARTIES
1. Placement with other banks 16,685 - - - - 16,685 5,178 - - - - 5,178
a. Rupiah 11,046 - - - - 11,046 1,552 - - - - 1,552
b. Foreign currencies 5,639 - - - - 5,639 3,626 - - - - 3,626
2. Spot and derivative/forward receivables 173 - - - - 173 86 - - - - 86
a. Rupiah 173 - - - - 173 86 - - - - 86
b. Foreign currencies - - - - - - - - - - - -
3. Securities 1,595,675 - - - - 1,595,675 1,780,025 - - - - 1,780,025
a. Rupiah 1,595,675 - - - - 1,595,675 1,780,025 - - - - 1,780,025
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 - - - - 296,216 806,696 - - - - 806,696
a. Rupiah 296,216 - - - - 296,216 806,696 - - - - 806,696
b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables - - - - - - - - - - - -
7. Loans and financing 3,647,424 288,998 - 11,762 301,135 4,249,319 3,593,640 243,513 12,902 7,562 154,060 4,011,677
a. Micro, small and medium enterprises (UMKM) 396,117 103,642 - 2,570 28,840 531,169 577,948 29,027 78 1,300 1,325 609,678
i. Rupiah 378,473 103,642 - 2,570 28,840 513,525 565,146 28,629 78 1,300 1,325 596,478
ii.. Foreign currencies 17,644 - - - - 17,644 12,802 398 - - - 13,200
b. Non micro, small and medium enterprises (non UMKM) 3,251,307 185,356 - 9,192 272,295 3,718,150 3,015,692 214,486 12,824 6,262 152,735 3,401,999
i. Rupiah 2,681,584 185,356 - 9,192 30,914 2,907,046 2,600,219 107,658 12,824 6,262 16,100 2,743,063
ii.. Foreign currencies 569,723 - - - 241,381 811,104 415,473 106,828 - - 136,635 658,936
c. Restructured loans - 87,143 - - 256,156 343,299 1,625 122,103 12,902 - 149,235 285,865
i. Rupiah - 87,143 - - 14,775 101,918 - 15,275 12,902 - 12,600 40,777
ii.. Foreign currencies - - - - 241,381 241,381 1,625 106,828 - - 136,635 245,088
8. Equity investment - - - - - - - - - - - -
9. Other receivables* 1,507 - - - - 1,507 1,104 - - - - 1,104
10. Commitments and contingencies 229,293 44 - - - 229,337 279,568 27 - - - 279,595
a. Rupiah 183,111 44 - - - 183,155 264,461 27 - - - 264,488
b. Foreign currencies 46,182 - - - - 46,182 15,107 - - - - 15,107
III OTHER INFORMATION
1. Value of bank's assets pledge as collateral : - -
a. To Bank Indonesia - -
b. To Other Parties - -
2. Foreclosed assets 59,855 128,874
Page 12
PT BANK OF INDIA INDONESIA TBK
ALLOWANCE FOR IMPAIRMENTS LOSSES ON EARNINGS ASSETS
AS OF 30 JUNE 2025 AND 30 JUNE 2024
(In millions of Rupiah)
30 JUNE 2025 30 JUNE 2024
Calculate Allowance Calculate Allowance
No. ACCOUNTS Allowance for Impairment for Possible Allowance for Impairment for Possible
Losses on Earning Assets Losses on Earning Assets
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific
1. Placement with other banks 4 - - 275 - - - - 73 -
2. Spot and derivative/forward receivables - - - 2 - - - - 1 -
3. Securities - - - - - - - - 370 -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - -
5. Claims on securities bought under reverse repo - - - - - - - - - -
6. Acceptance receivables - - - - - - - - - -
7. Loans and financing 7,571 5,328 127,683 31,499 116,729 30,401 41,342 47,948 30,655 129,454
8. Equity investment - - - - - - - - -
9. Other receivables* - - - 15 - - - - 11 -
10. Commitments and Contingencies 53 - - 293 2 244 - - 303 1
*) 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 37/POJK.03/2019 dated 19 December 2019
concerning Transparency and Publication of Bank Reports, and the Financial Services Authority Circular Letter (SEOJK)
Number 9/SEOJK.03/2020 dated 30 June 2020 concerning Transparency and Publication of Conventional Commercial
Bank Reports, the following is the Consolidated Financial Statements of Bank of India for the periods ended 31 March
2025 and 31 March 2024
As of 30 June 2025, 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 2025 AND 31 MARCH 2024
In Millions Rupiah
Pos-Pos 31 MAR 2025 31 MAR 2024
CAPITAL AND LIABILITIES
Capital 8,786,715 8,658,081
Reserves and Surplus 147,301,565 125,854,428
Deposits 1,581,979,600 1,408,235,623
Borrowings 239,030,897 153,941,905
Other Liabilities and provisions 61,484,565 60,782,835
TOTAL 2,038,583,342 1,757,472,872
ASSETS
Cash and balances with Reserve Bank of India 100,587,214 73,954,901
Balances with bank and money at call and short notice 93,998,254 84,099,270
Investments 517,164,019 446,064,920
Advances 1,261,094,109 1,077,444,815
Fixed Assets 23,246,980 19,637,282
Other Assets 42,492,766 56,271,682
TOTAL 2,038,583,342 1,757,472,872
PROFIT AND LOSS
POSITION AS OF 31 MARCH 2025 AND 31 MARCH 2024
In Millions Rupiah
Pos-Pos 31 MAR 2025 31 MAR 2024
INCOME
Interest earned 137,602,488 116,127,902
Interest/ discount on advances/bills 97,135,733 82,001,495
Income on Investments 33,545,133 27,088,798
Interest on balances with RBI and other inter bank funds 6,186,213 5,488,098
Other interest income 735,409 1,549,511
Other Income 17,569,397 11,851,985
TOTAL INCOME 155,171,885 127,979,887
EXPENSES
Interest expended 89,912,789 71,792,629
Operating expenses 33,209,963 29,103,974
a. Employees cost 20,044,392 17,612,523
b. Other operating expenses 13,165,571 11,491,451
TOTAL EXPENSES 123,122,752 100,896,603
PROFIT/LOSS
Provisions and Contingencies 7,815,324 7,701,576
Operating Profit 32,049,133 27,083,284
Profit Before Tax 24,233,809 19,381,727
Tax Income (Expense) 6,211,434 7,241,862
Net Profit for the period 18,022,375 12,139,865
Page 14
BANK MANAGEMENT
Board of Commissioners:
President Commissioner : Sudhiranjan Padhi
Independent Commissioner : Handadjaja Sulaiman
Independent Commissioner : Lungguk Gultom
Directors:
President Director : K S B Chandramouli*)
Business Director : Chandra Sekhar Mukherjee
Operation Director : Carolina Dina Rusdiana
Finance Director : Rahmat Hendratama
Compliance Director : Dennis Kusuma Halim
*) Effective after obtaining approval from the Financial Services Authority (OJK) through
the Decree of the Head of the Banking Licensing and Crisis Management Department No.
KEPR-15/PB.02/2025 dated July 2, 2025.
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 37/POJK.03/2019 dated 19 December 2019 regarding Transparency and Publication of Bank
Reports.
2. Financial Services Authority Circular Letter Number 9/SEOJK.03/2020 dated 30 June 2020 concerning Transparency and Publication of Conventional
Commercial Bank's Reports.
3. Financial Services Authority Regulation Number 14 / POJK.04/2022 dated 18 August 2022 concerning Submission of Periodic Financial Reports of
Issuers or Public Companies.
4. Regulation No. VIII.G.7 which is an attachment to the Decree of the Chairman of the Capital Market and Financial Institution Supervisory Agency
(“Bapepam-LK”) No. KEP-347/BL/2012 dated 25 June 2012 regarding Presentation and Disclosure of Financial Statements of Issuers or Public
Companies.
● Exchange rate as of December 31, 2024: 1 USD = Rp 16,095.00,-
Exchange rate as of June 28, 2024: 1 USD = Rp 16,375.00,-
Exchange rate as of June 30, 2025: 1 USD = Rp 16,235.00,-
Exchange rate as of March 28, 2024: 1 INR = Rp 190.15,-
Exchange rate as of March 27, 2025: 1 INR = Rp 192.97,-
Jakarta, July 25th, 2025
S.E., & O
PT Bank of India Indonesia Tbk
BOARD OF DIRECTORS
Chandra Sekhar Mukherjee Rahmat Hendratama
Business Director Finance Director
PT Bank of India Indonesia Tbk is registered 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 ×7
unresolved
org
Bapepam-LK
p.15 ×2
unresolved
org
Indonesia Deposit Insurance Corporation
p.15
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