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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
MINI BANK
Corporate
Presentation
1H2025
PT Bank Negara Indonesia (Persero), Tbk.
Investor Relations
Jakarta, 25 July 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
◎ Management Highlights 03
◎ Macroeconomic Highlights 10
◎ Financial Highlights 17
Highlighted Results 18
Balance Sheet Highlight 18
Profit or Loss 18
Loan Composition 22
Loan Disbursement 1H-2025 23
Third Party Fund 24
Table of Contents Liquidity (LCR, NSFR & LDR Ratios)
Fee Based Income (FBI)
Operating Expense (OPEX)
25
26
27
◎ Asset Quality 28
Loan at Risk 29
LAR by Segment, Write Off & Recovery 30
NPL Formation & Write off Vintage 31
Sufficient Provisioning in line with risk appetite 32
LAR, NPL & Provision Coverage trend 33
◎ Digital Initiatives 34
◎ Business & Consumer Banking 41
◎ ESG 44
◎ About BNI 55
◎ 5 Years Financial Data 67
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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Management Highlights
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Navigating challenges, building strength
Fine tuning Loan growth mix with
NIM remained key challenge
more balanced contribution
Loan Growth by Segment*
-19bps -5.6% 10.7% 10.4%
YoY 9.2%
Consolidated 7.1%
4.0% 3.8% 10.7
10.1
-0.6%
1H24 1H25 1H24 1H25 -26.7%
NIM (%) Net Profit (IDR Tn) Consumer Corporate SME non-KUR Middle KUR
* Jun-25 YoY
CASA-first strategy Our strength lies on asset quality
CASA & Loan YoY growth
Jun-24 Jun-25 -130bps
12.3%
18.7% -4bps
11.0%
1.00% 0.96%
11.7%
7.1%
2.5%
1H24 1H25 Jun-24 Jun-25
CASA Loan CASA Loan
CASA growth YoY Loan growth YoY Credit Cost (%) LAR (%)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Stronger user engagement to BNI's digital platform
BNIdirect transactions contribute to
strengthening low-cost Current Accounts wondr by BNI: one year of growth & adoption
# of Users (in 000) # of Transactions (in Mn) continues to gain steady traction, with encouraging levels of user
19.7% 22.1% activity and transaction growth
YoY YoY
8.6 Mn 68% YoY
169 202 717 registered users transaction value
587
Jun-24 Jun-25 1H24 1H25 While TRANSACTION keeps growing, investment through GROWTH has emerged
as a new value proposition that resonates with customers’ needs
Resulted in…
Transactional Current Account grew by +18% Transaction** Growth**
YoY
> 37x > 2x > 26x >2.2x
Virtual QRIS Mutual Life Goals
Account Fund
New BNIdirect expansion for SME clients
> 3.5x >1.5x
> 8.4x Time
Tapcash Bonds Deposit
NEW Cash Management (card based e-wallet)
platform for SME clients… **higher than the old app
(Launched in Jul-25 as part of BNI’s anniversary celebration)
Launching “BNIdirect bisnis” platform exclusively for SME segment capability:
Go global with wondr…
Simpler, Faster, and Real-Time Cash Ease Transaction Single Multicurrency QRIS Cross Border
More Personal UI-UX Visibility Journey authorization • One account for 12 currencies 305
• Seamless Multicurrency Debit Transactions
in 32 Countries
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Navigating liquidity challenges & looking ahead
CoF stayed high amid efforts
Subdued system liquidity
to frontload liquidity build up
Industry Data 85.7% 86.4%
92.1% 94.8% 93.6%
10.7 2.81%
82.8%
81.2% 2.75%
7.8 690bps
6.1 6.5
9.1% 8.5%
2.65%
5.8% 7.0% 96.1% 93.1%
86.2%
10.7% 12.4%
7.8% 7.8%
**
Jun-22 Jun-23 Jun-24 Jun-25 Jun-22 Jun-23 Jun-24 Jun-25 Dec-24 Mar-25 Jun-25 4Q24 1Q25 2Q25
M2 Growth (% YoY) Loan Growth (% YoY) Deposit Growth (% YoY) End of Month LDR (%) – Bank Only Cost of Third Party Fund (%) –
Bank Only
Source: BI, OJK Industry LDR (%) Daily Average LDR (%) YTD – Bank Only
SRBI ownership and yields continued
Early signs of monetary policy easing
to decline in 2Q25
7.45 7.00
7.25
6.93 6.99
6.63 6.50
6.25
6.46 6.42 6.43
6.25 6.00
5.89 5.97
5.50
928 924 894 893 891 5.25
882 867 783 5.00
721 708
4.83
4.50
Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 18-Jul-25
Jun-24 Sep-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25F*
SRBI Ownership (IDR Tn) SRBI 1Y Rate (%) IndONIA* (%) BI Rate (%)
*Data Jul-25 as of 18-Jul-25 *IndONIA (Indonesia Overnight Index Average) Source: Bloomberg
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Getting ready to build balanced asset mix with discipline
Reviving growth in higher yielding
SME Non-KUR Segment
MSME segment
SME Non-KUR have started to grow, backed by
credit scoring implementation
Organizational design to unlock growth opportunity:
8.8 5.6 1.5
+55%
Appointment of senior management (SEVP level) to YoY
elevate value chain-based business expansion from 45.9 44.4 44.4
42.6 42.6
corporate & government institution into MSME segment.
Outstanding Dec-24 Disbursement Install/Paid-Off Write-Off Outstanding Jun-25
…meanwhile asset quality remains hygiene factor: YTD Loan Movement SME Non-KUR (IDR Tn)
With vintage analysis showed continued improvement
Risk function enhancement: creating a dedicated risk in asset quality
unit for each business segment, with more risk 2020
Customers DG to NPL
Cumulative % of New
14.0%
management personnels assigned.
12.0%
10.0%
Full implementation of SME Credit scoring since last year. 8.0% 2022
6.0%
Refining Retail Collection & Recovery: improvement of 2021
4.0%
2023
organizational span of control and center of excellence to 2.0%
2025
enhance productivity across all regions. 0.0% 2024
0 3 6 12 24
Months on Book
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
NIM guidance revision
FY25 Original Aspiration 1H25 Results FY25 New Aspiration
Loan
Growth 8.0 - 10.0% 7.1% 8.0 - 10.0%
(% YoY) (no changes)
Net
Interest 4.0 - 4.2% 3.83% ≥ 3.8%
Margin (new guidance)
bank only
Credit
± 1.0% 0.96% ± 1.0%
Cost (no changes)
bank only
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Enhancing Long-Term Value: Sustainability Bond Update & ESG Rating Improvement
Sustainability Bond Issuance MSCI ESG Rating Upgrade…
Issued under a Sustainability Bond Shelf Offering (PUB) with a total
A
fundraising target of IDR 15 trillion over 2 years. Phase 1 bond issuance
aims to raise IDR 5 trillion to drive ESG impact and to refinance the
matured green bond.
Tenure
Amount
Series A IDR 3.5Tn BBB
IDR5.0Tn 3 Years Coupon 6.60%
Rating
Series B IDR 1.5Tn June 2024 June 2025
idAAA (PEFINDO) 5 Years Coupon 6.65%
…is primarily driven by improvements in overall
Sustainability Bond Framework has been reviewed by Sustainalytics, governance practices and environmental financing risk mitigation
where the Use of Proceeds are allocated to finance/refinance assets of
eligible Green and Social projects.
Environment Social Governance
Green Projects (30% of Allocation) Social Projects (70% of Allocation)
❑ Strong evidence ❑ Lower risk of data ❑ Evidence of
Renewable Energy Basic Infrastructure
Sustainable of sustainability breaches or detailed policies
Transportation Services
related pricing regulatory scrutiny, on business
Energy Efficiency Essential Services built into supported by data ethics and
Climate Change
Access
Adaptation products. privacy and security corruption.
Waste to Energy and initiatives that
Food Security & Sustainable
Waste Management Sustainable Water
and Wastewater
Food System ❑ Practices for outperform industry ❑ Improvements in
Sustainable Natural Management MSME Financing
managing ESG- peers. its executive pay
Resources and Land related risks tied policies.
Use Green Buildings
Affordable Housing to financing ❑ Customer financial
activities are on protection
Terrestrial and Aquatic
Biodiversity Conservation Socioeconomic Enhancement & par with peers. performance
Empowerment improved.
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Macroeconomic Highlights
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Global economic landscape remained volatile due to the return of reciprocal
tariff uncertainty
However, the global uncertainty would still continue as the
Indonesia has indeed successfully negotiated a lower
reciprocal tariff could cause global stagflation,
reciprocal tariff of 19% to the US
especially in the US
The US Reciprocal Tariff Jul-2025 Update (%) The Fed Projection for the US Macro in 2025 (%)
3.5 3.1
Brazil 50% 3.0
3.0 2.7 2.8
Myanmar 40% 2.5 2.5
Laos 40% 2.5 2.1
Thailand 36% 2.0 1.7
Cambodia 1.4
36% 1.5
Serbia 35% 1.0
Bangladesh 35% 0.5
EU 30%
0.0
Mexico 30% GDP growth PCE Inflation Core PCE Inflation
Algeria 30%
South Africa Dec-24 Projection Mar-25 Projection Jun-25 Projection
30%
Average Jul-2025 Tariff 30% Source: CEIC, BNI OCE
Libya 30%
Bosnia and Herzegovina 30%
Iraq 30%
The proportion of The Fed members expecting
Sri Lanka 30%
<50bps cut enlarged due to stagflation concern
Malaysia 25%
Japan 25%
Brunei 25% The Fed Members Projection on 2025 FFR cut
South Korea 25% (% Total Member)
Kazakhstan 25% 100%
Tunisia 25% 78.9%
80%
Moldova 25% 57.9%
Philippines 20% 60% 47.4% 52.6%
42.1%
Vietnam 20% 40%
Indonesia 19% 21.1%
20%
0% 20% 40% 60% 0%
0-25bps FFR cut 50bps FFR cut or more
*Vietnam deal was finalized on July 2nd, few days prior the July 7th letter Dec-24 Projection Mar-25 Projection Jun-25 Projection
Source: CEIC, BNI OCE
Source: CEIC, BNI OCE
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
On the domestic side, the latest macro data showed a modest economic environment
The consumer confidence recorded a
Retail sales was stagnant in 2Q25
moderating trend in 2Q25
CCI by Spending Level Retail Sales (% YoY)
150 12
>100 Optimistic 10 9.3
140
7.9
130 8 6.4
5.8 5.5
120 6 4.9 4.5 4.8
110 4 2.7
2.4 2.1 2.1 2.0 1.9 2.0
100 2 1.5 1.6 1.1 1.5 1.1 1.5 0.9 1.8
0.2 0.5
90
Decoupling CCI post pandemic 0
80 -0.3
-2
70 <100 Pessimistic
-4 -2.7
60
-4.5
Jun - 19
Jun - 20
Jun - 21
Jun - 22
Jun - 23
Jun - 24
Jun - 25
Sep - 19
Sep - 20
Sep - 21
Sep - 22
Sep - 23
Sep - 24
Dec - 19
Dec - 20
Dec - 21
Dec - 22
Dec - 23
Dec - 24
Mar - 20
Mar - 22
Mar - 24
Mar - 19
Mar - 21
Mar - 23
Mar - 25
-6
Jun - 23
Jun - 24
Jun - 25
Dec - 23
Dec - 24
Sep - 23
Sep - 24
Mar - 23
Mar - 24
Mar - 25
IDR 1 - 2 Million > IDR 5 Million IDR 2,1-5 Million Overall CCI Source: CEIC, BNI OCE
Source: CEIC, BNI OCE
Money supply growth was stagnant at 4.95 YoY Manufacturing PMI was at contraction territory along
in May-2025 2Q25 and marked the lowest level since COVID
Money Supply - M2 (% YoY) PMI Indonesia
16 60
14 55 Expansion > 50
12 50
10
45 46.9
8
40
6 4.88 Contraction < 50
35
4
30
2
0 25
Feb - 21
Feb - 22
Feb - 23
Feb - 24
Feb - 25
Nov - 22
Aug - 24
May - 21
Aug - 21
Nov - 21
May - 22
Aug - 22
May - 23
Aug - 23
Nov - 23
May - 24
Nov - 24
May - 25
20
Mar-20
Mar-21
Jun-21
Jun-20
Mar-22
Jun-22
Mar-23
Jun-23
Mar-24
Jun-24
Mar-25
Jun-25
Sep-20
Sep-21
Sep-22
Sep-23
Sep-24
Dec-20
Dec-21
Dec-22
Dec-23
Dec-24
Source: CEIC, BNI OCE Source: CEIC, BNI OCE
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
As the response to macro circumstances, Bank Indonesia has shifted its policy gear
to be more pro-growth
BI has cut policy rate by 75bps YTD and has reduced As a result, the SRBI outstanding has decreased
SRBI 1Y rate by 161bps to 5.69% by Rp140tn YTD
BI-Rate vs SRBI Rate (%) Outstanding SRBI (Rp tn)
7.57.30 1,200 As of June 2025
1,000 923
7
6.47 800 783
6.5 600
6.00 6.40
6 5.75 400
5.69
200
5.5 SRBI 1 Year BI-Rate -
5.50
5 5.25 (200)
2025
May IV 2024
Aug IV 2024
Feb I 2025
Oct IV 2023
Jul II 2024
Jan II 2025
Sep II 2023
Jan IV 2024
Feb III 2024
Apr I 2024
Nov IV 2024
Feb IV 2025
Mar III 2025
Nov III 2023
Dec II 2023
June III 2025
Oct I 2023
Sep III 2024
Aug I 2024
Dec III 2024
May II 2025
May V 2025
Jan I 2024
Mei I 2024
Oct II 2024
Mar II 2024
Apr III 2025
Jun III 2024
Nov I 2024
23-Mar-25
1-Feb-25
11-Jul-25
2-Jan-25
1-Jul-25
12-Jan-25
21-Jun-25
22-Jan-25
11-Feb-25
3-Mar-25
2-May-25
12-May-25
21-Jul-25
21-Feb-25
2-Apr-25
1-Jun-25
13-Mar-25
11-Jun-25
12-Apr-25
22-Apr-25
22-May-25
June II 2025
July IV
Source: Bloomberg, BNI OCE Source: BI, BNI OCE
The SRBI outstanding could still decrease further BI also eased macroprudential policies and other measures
due to the large maturity in Jul-2025 to support liquidity and the economy
Matured SRBI (Rp tn)
160
138.7 KLM incentives: Lower secondary
140 132.5
Rp78tn in 2025 GWM/PLM:
117.2
120
104.7 (Since beginning: Rp371tn) Rp70tn-90tn
96.7
100 89.3
77.9
80
60.2
60 51.0
44.3
40
37.2
29.0 BI’s bonds purchase in Total BI Liquidity Support:
20 secondary market: Rp244tn-264tn
0 Rp96.4tn (1.0-1.1% of GDP)
Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25
Source: BI, BNI OCE Source: BI, BNI OCE
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
The government also increased fiscal spending in Jun-2025 to support growth
Fiscal deficit widened to -0.8% of GDP in 1H25 … as the government accelerated spending
from -0.1% in 5M25 … disbursement in June
Government Expenditure 2021-2025
Fiscal Balance 1H (% of GDP)
1600 15%
1.0% 1,398 1,406
0.73%
1400 1,255 11.4%
9.4% 1,244 10%
0.5% 0.39% 1,170
1200
6.3% 1,016 5%
1000
0.0%
800 0.9% 0.6% 0%
-0.09%
-0.5% -0.34% 600
-5%
-0.66% -0.74% -0.84% 400
-1.0% -0.84%
pre-COVID avg:- -10%
0.90% 200 -11.3%
-1.5% -1.30%
0 -15%
-1.67% -1.72% 1H21 1H22 1H23 1H24 5M25 1H25
-2.0% -1.86%
5M15 5M16 5M17 5M18 5M19 5M20 5M21 5M22 5M23 5M24 4M25 5M25 Rp tn Growth (% YoY) - RHS
Source: MoF, BNI OCE Source: MoF, BNI OCE
In monthly basis, fiscal expenditure rose by 54% YoY 1H25 spending realization was driven by capex and
in Jun-2025 non-energy subsidy
Monthly Fiscal Expenditure 1H25 Expenditure Realization (% YoY)
450 54.2% 60% 25% 20.7%
389.8 20% 17.9%
400 50%
15%
350 40% 10% 7.1% 0.6%
4.7% 2.9%
300 272.2 30% 5% 0.6%
20% 0%
250 210.1 -5%
185.9 10% -10%
200 180.8
-1.9% 167.3 -7.9%
14.6% 0% -15%
150 -12.0%
-10% -20%
100 -21.7% -25%
-29.0% -20% -24.0%
-30%
50 -30%
Material
Capex
Expenditure
Subsidy
Personnel
Assistance
Regional
Non-Energy
Payment
Transfer
Energy
Interest
Subsidy
0 -40%
Social
Total
Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25
Rp tn % YoY - RHS Source: MoF, BNI OCE Source: MoF, BNI OCE
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HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
The expansionary fiscal and monetary policies have started to give positive impact
to liquidity in the interbank market
INDONIA eased to 4.83%, well below BI-rate at 5.25%, which
The demand for repo to BI has also decreased
reflected an ample liquidity condition in interbank market
INDONIA vs. BI-Rate (%) BI OMO Expansionary/Repo (Rp tn)
As of 18 July 25 250 218
7.00 200
6.50 6.25 150
6.00 100
5.97 71
5.50 50 Average Repo: Rp28tn
5.25
5.00 0
4.83
Oct IV 2024
Jun II 2019
Jun II 2020
Feb III 2023
Feb III 2024
Jun IV 2024
Jun IV 2025
Jun II 2021
Jun III 2022
Jun III 2023
Okt II 2019
Okt II 2020
Okt II 2021
Oct III 2022
Oct III 2023
Feb IV 2025
Feb II 2020
Feb II 2021
Feb II 2022
4.50
Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 18-Jul-25
INDONIA BI Rate
Source: Bloomberg, BNI OCE Source: BI, BNI OCE
We expect Jun-2025 DPK data to improve due to … which is hoped to ease LDR condition and support loan
expansionary fiscal and monetary policy.. . disbursement ahead
DPK - Data OJK (% YoY) Loan, DPK and LDR (%)
30.0 14
Total DPK Current Account Saving Time Deposit 87.8 90
25.0 12 88
10 9.16 86
20.0 84
8 82
15.0 6 80
10.0 7.7 4 78
4.8 4.75 76
5.0 2 74
4.0
0 72
0.0 2.9
Mar-25
May-22
Jan-23
May-23
Jan-24
May-24
Jan-25
Mar-22
Sep-22
Mar-23
Sep-23
Mar-24
Sep-24
Nov-22
Nov-23
Nov-24
Jul-22
Jul-23
Jul-24
-5.0
Jun-18
Jun-19
Jun-20
Jun-21
Jun-22
Jun-23
Dec-23
Jun-24
Sep-18
Dec-18
Sep-19
Dec-19
Sep-20
Dec-20
Sep-21
Dec-21
Sep-22
Dec-22
Sep-23
Sep-24
Dec-24
Mar-18
Mar-19
Mar-20
Mar-21
Mar-22
Mar-23
Mar-24
Mar-25
LDR - RHS Loan YoY DPK YoY
Source: OJK, CEIC, BNI OCE Source: OJK< CEIC, BNI OCE
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Fiscal spending would be essential to support domestic demand in 2H25 amid global volatility
The government expects fiscal deficit to widen Fiscal spending would be
to -2.8% of GDP in its 2025 outlook more expansionary in 2H25
Fiscal Balance (% of GDP) 1H24 2H24 1H25 2H25
0%
Rp tn
-1% Total Expenditure 1,398.0 1,959.2 1,406.0 2,121.5
-2% -1.6%
-1.8%
-2.2%
Central Government 997.9 1,495.8 1,003.5 1,660.0
-3% -2.5% -2.4% -2.3% -2.5%
-2.8% Regional Transfer 400.1 463.4 402.5 461.6
-4%
-5% -4.6% % Change
-6% Total Expenditure 0.6% 8.3%
-6.1%
-7% Central Government 0.6% 11.0%
2017 2018 2019 2020 2021 2022 2023 2024 2025 2025
Initial Govt Regional Transfer 0.6% -0.4%
Outlook Source: MoF. BNI OCE
Source: MoF. CEOC, BNI OCE
We do not close any possibility of another social stimulus from
the government if the purchasing power remains stagnant
Stimulus (June-July 2025) Stimulus Recipient Sector Economic Impact (Rp tn)
Rice aid and additional food aid for two months 18.3mn low-income families Accomodation & F&B 11.93
Workers earning less than Rp3.5mn/month
would receive Rp150,000/month for Jun-Jul.
Wage Subsisdy Assistance (BSU) program. Trade & Retail 10.72
Total recipients would reach 17mn workers +
3.4mn honorary teachers (guru honorer)
Transportation discounts: train (30%), airfare (6% VAT
All consumer Transportation & Tourism 0.94
subsidy), sea transport (50%)
Toll road fare discounts. 110million drivers Transportation & Tourism 0.65
Extension of Work Accident Insurance (JKK) premium 50% discount for JKK premium for labour- Financial, Public Administration,
0.20
discount. intensive workers in Aug25-Jan-26 Healthcare
Total Announced Stimulus 24.44
Source: various sources. BNI OCE
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Financial Highlights
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
1H25 Strategy: Solidifying Liquidity and Asset Quality for Growth in Coming Quarters
Highlighted Results (IDR Bn) 1H24 1H25 YoY (%) 2Q24 3Q24 4Q24 1Q25 2Q25 QoQ (%)
Total Asset 1,072,454 1,201,653 12.0 1,072,454 1,068,080 1,129,806 1,146,583 1,201,653 4.8
Loan 726,977 778,681 7.1 726,977 735,018 775,872 765,469 778,681 1.7
Third Party Funds 772,319 899,865 16.5 772,319 769,739 805,511 819,580 899,865 9.8
B/S CASA 545,691 647,554 18.7 545,691 541,194 563,278 577,807 647,554 12.1
[Consolidated]
Current Account 305,133 381,639 25.1 305,133 302,260 305,734 319,983 381,639 19.3
Savings Account 240,558 265,915 10.5 240,558 238,934 257,544 257,824 265,915 3.1
Time Deposit 226,628 252,311 11.3 226,628 228,545 242,233 241,774 252,311 4.4
Net Interest Income 19,072 19,516 2.3 9,681 10,367 11,042 9,834 9,681 -1.6
Interest Income 32,173 33,614 4.5 16,298 16,663 17,747 16,713 16,901 1.1
Interest Expense (13,102) (14,098) 7.6 (6,617) (6,296) (6,705) (6,879) (7,220) 5.0
P&L
Non Interest Income 10,924 10,607 -2.9 5,485 5,913 7,198 5,217 5,390 3.3
OPEX (13,554) (13,964) 3.0 (6,905) (7,434) (8,700) (6,740) (7,225) 7.2
[Consolidated]
PPOP 16,442 16.158 -1.7 8,261 8,845 9,540 8,312 7,846 -5.6
Provisioning Charges (3,511) (3,787) 7.9 (1,767) (1,878) (2,822) (1,760) (2,027) 15.2
Net Profit 10,692 10,094 -5.6 5,365 5,617 5,155 5,380 4,714 -12.4
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
18
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Strong Foundation: 86% LDR | 21% CAR | Solid LCR & NSFR
Highlighted Results (%) 1H24 1H25 YoY (%) 2Q24 3Q24 4Q24 1Q25 2Q25 QoQ (%)
CASA Ratio (Consolidated) 70.7 72.0 1.3 70.7 70.3 69.9 70.5 72.0 1.5
CoF (Third Party Funds) 2.76 2.78 0.02 2.72 2.60 2.65 2.75 2.81 0.06
Profitability & NIM 4.0 3.8 -0.2 4.0 4.4 4.5 3.9 3.7 -0.2
Efficiency ROAE* 14.6 12.8 -1.8 14.7 14.9 12.9 13.3 12.3 -1.0
[Bank Only]
Pre-tax ROAA 2.5 2.2 -0.3 2.4 2.7 2.4 2.4 2.1 -0.3
CIR 43.7 45.5 1.7 44.3 44.0 46.6 43.8 47.1 3.3
LAR 12.3 11.0 -1.3 12.3 11.8 10.3 10.9 11.0 0.1
NPL (Gross) 2.0 1.9 -0.03 2.0 2.0 2.0 2.0 1.9 -0.01
Asset Quality Credit Cost 1.0 1.0 0.0 1.0 1.0 1.5 0.9 1.0 0.1
[Bank Only]
LAR Coverage Ratio 47.9 43.1 -4.8 47.9 47.4 48.8 47.3 43.1 -4.2
NPL Coverage Ratio 298.2 243.4 -54.8 298.2 284.2 255.8 263.1 243.4 -19.7
LDR 94.0 86.2 -7.8 94.0 95.3 96.1 93.1 86.2 -7.0
Liquidity LCR 160.8 144.2 -16.6 160.8 160.3 155.9 150.9 144.2 -6.7
[Bank Only]
NSFR 137.2 143.0 5.8 137.2 136.6 132.5 137.8 143.0 5.2
Tier-1 CAR 19.1 19.7 0.6 19.1 20.3 20.0 20.9 19.7 -1.2
Capital
[Bank Only] Total CAR 20.7 21.1 0.4 20.7 21.8 21.4 22.3 21.1 -1.2
*ROAE with average total equity as denominator ; 14.2% in 1H25 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)
19
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Building Ample Liquidity for Upcoming Loan Growth
Growth - %
Consolidated Balance Sheet (IDR Bn) Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
QoQ YoY
Total Assets 1,072,454 1,068,080 1,129,806 1,146,583 1,201,653 4.8 12.0
Placement with other banks & BI 19,043 15,076 17,076 26,516 69,744 163.0 266.2
Current Account with Bank Indonesia 49.873 43,101 51,669 43,169 35,942 -16.7 -27.9
Marketable Securities [market value] 40,433 42,246 48,534 51,968 52,412 0.9 29.6
Government Bonds [market value] 132,496 130,287 132,072 134,026 135,127 0.8 2.0
Loans (gross) 726,977 735,018 775,872 765,469 778,681 1.7 7.1
Third Party Funds 772,319 769,739 805,511 819,580 899,865 9.8 16.5
CASA 545,691 541,194 563,278 577,807 647,554 12.1 18.7
• Current Account 305,133 302,260 305,734 319,983 381,639 19.3 25.1
• Saving Account 240,558 238,934 257,544 257,824 265,915 3.1 10.5
Time Deposits 226,628 228,545 242,233 241,774 252,311 4.4 11.3
Deposits from other Banks 18,150 13,877 18,548 14,007 11,456 -18.2 -36.9
Marketable Securities Issued 31,104 29,144 30,674 31,435 26,964 -14.2 -13.3
Borrowings 32,736 34,995 42,931 38,846 39,436 1.5 20.5
Shareholders’ Equity 154,072 162,170 167,187 173,014 165,188 -4.5 7.2
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
20
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Challenging operating environment translated to EAT contraction
Consolidated Profit & Loss (IDR Bn) 1H24 1H25 YoY (%) 2Q24 3Q24 4Q24 1Q25 2Q25 QoQ (%)
Interest Income 32,173 33,614 4.5 16,298 16,663 17,747 16,713 16,901 1.1
Interest Expense (13,102) (14,098) 7.6 (6,617) (6,296) (6,705) (6,879) (7,220) 5.0
Net Interest Income 19,072 19,516 2.3 9,681 10,367 11,042 9,834 9,681 -1.6
Insurance & Investment Income – Net* 786 343 -56.4 413 428 509 137 206 51.2
Fee-based Income 7,753 8,060 4.0 3,840 4,001 4,532 4,014 4,046 0.8
Recovery 2,385 2,204 -7.6 1,231 1,483 2,157 1,067 1,137 6.6
Non Interest Income 10,924 10,607 -2.9 5,485 5,913 7,198 5,217 5,390 3.3
Operating Income 29,996 30,123 0.4 15,166 16,279 18,240 15,051 15,071 0.1
Operating Expense (13,554) (13,964) 3.0 (6,905) (7,434) (8,700) (6,740) (7,225) 7.2
Pre-Provision Income (PPOP) 16,442 16,158 -1.7 8,261 8,845 9,540 8,312 7,846 -5.6
Provisioning Charges (3,511) (3,787) 7.9 (1,767) (1,878) (2,822) (1,760) (2,027) 15.2
Non-Operational Inc/(Exp) - (54) - - (33) (2) (33) (21) -37.2
Net Income before Tax 12,932 12,317 -4.8 6,494 6,934 6,716 6,519 5,798 -11.1
Net Income 10,692 10,094 -5.6 5,365 5,617 5,155 5,380 4,714 -12.4
*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 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
QoQ YoY
Segment 2Q24 3Q24 4Q24 1Q25 2Q25 1H24 1H25
Corporate 394.6 400.9 431.5 426.0 435.8 2.3% 10.4%
Corp. Private & Blended Loan 7.4 7.7 7.9 7.4 7.3 7.5 7.3
283.1 287.5 317.8 309.7 314.6 1.6% 11.1%
Institutions
Corporate Corporate 6.8 7.1 7.1 6.7 6.7 6.9 6.7
111.5 113.5 113.8 116.3 121.2 4.2% 8.7%
SOE
Medium 7.7 7.7 7.5 7.3 7.4 7.7 7.4
Business Banking
Medium 106.1 104.6 109.8 103.9 105.4 1.5% -0.6%
Small 9.2 9.4 11.3 9.9 9.3 9.3 9.6
Enterprise 57.3 54.9 57.6 54.5 54.0 -1.0% -5.8%
Consumer 8.1 8.6 8.9 8.2 8.0 8.0 8.1
Commercial 48.8 49.7 52.2 49.4 51.5 4.2% 5.5%
IDR Yield 7.8 8.0 8.5 7.8 7.7 7.9 7.7
Small 80.0 77.4 75.8 73.7 73.2 -0.7% -8.5% FX Yield 6.0 6.5 6.0 5.8 5.8 6.0 5.8
Govt Subs
39.4 36.6 33.2 30.7 28.8 -6.0% -26.7%
Loan (KUR)
SME Non-KUR 40.7 40.7 42.6 43.0 44.4 3.1% 9.2%
Loan Composition (IDR Tn)
Subtotal 580.7 582.9 617.1 603.6 614.5 1.8% 5.8%
Mortgage 62.2 63.8 66.5 67.6 68.4 1.2% 9.9% 727.0 735.0 775.9 765.5 778.7
Consumer
Personal Loan 53.8 55.9 58.0 59.3 60.1 1.4% 11.7%
120.0% 900.0
100.0%
1.9% 2.1% 2.1% 2.2% 2.2% 8 00.0
Credit Card 14.4 14.6 15.0 14.9 15.4 3.2% 7.0% 18.3% 18.6% 18.4% 18.9% 18.9% 700.0
11.0% 9.8%
80.0%
Others 2.3 2.7 3.1 3.1 3.1 0.2% 33.5% 10.5% 9.6% 9.4% 600.0
60.0%
14.6% 14.2% 14.2% 13.6% 13.5%
Subtotal 132.8 137.0 142.5 144.9 147.0 1.5% 10.7%
500.0
40.0%
400.0
Subsidiaries 13.5 15.1 16.2 16.9 17.2 1.4% 27.1% 20.0%
54.3% 54.5% 55.6% 55.7% 56.0%
300.0
Total Consolidated 727.0 735.0 775.9 765.5 778.7 1.7% 7.1%
0.0% 200.0
Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
Working Capital 417.9 423.2 451.8 437.2 442.9 1.3% 6.0%
Subsidiaries Consumer Small Medium Corporate
Investment Loan 172.2 170.3 177.1 178.6 184.5 3.3% 7.1%
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
Rp145.4 trillion loan disbursed in 2Q25, driven by top tier clients
QoQ Loan Movement (IDR Tn) – Bank Only Top 3 Industries Contributing to QoQ Loan Growth in Jun-25
145.4 127.4 5.2 Outstanding Increase (IDR Tn)
Corporate : 86.3 Tn
Medium : 31.6Tn Transportation & 16%
7.0
Enterprise : 12.1Tn Telecommunications
750.4 Commercial : 19.5Tn 763.3 Infrastructure 1.7 3%
Small : 7.1 Tn
Consumer : 20.4 Tn Utilities 1.1 4%
Mar-25 Disbursement Install/Paid-Off Write-Off Jun-25
YoY Loan Movement (IDR Tn) – Bank only Top 3 Industries Contributing to YoY Loan Growth in Jun-25
421.2 Outstanding Increase (IDR Tn)
484.8 15.8
Social Services 86%
18.2
Corporate : 296.8Tn (Govt Inst & Healthcare)
Telecommunication 7.6 18%
Medium : 82.4Tn
715.5 Enterprise : 32.2Tn 763.3
Business Services 7.1 21%
Commercial : 50.2Tn
Small : 34.6Tn
Consumer : 71.0Tn
Jun-24 Disbursement Install/Paid-Off Write-Off Jun-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 +18.7% YoY Third Party Funds Composition
(IDR Tn) (IDR Tn)
Growth - % 120.0% 5
Segment Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 772.3 769.7 805.5 819.6 899.9
QoQ YoY
-5
100.0%
-15
CASA 545.7 541.2 563.3 577.8 647.6 12.1 18.7 80.0%
29.3% 29.7% 30.1% 29.5% 28.0% -25
Current Account 305.1 302.3 305.7 320.0 381.6 19.3 25.1
-35
31.1% 31.0% 31.5% 29.6%
60.0%
32.0% -45
Saving Account 240.6 238.9 257.5 257.8 265.9 3.1 10.5 40.0% -55
Time Deposit 226.6 228.5 242.2 241.8 252.3 4.4 11.3 42.4%
-65
20.0%
39.5% 39.3% 38.0% 39.0% -75
Third Party Funds 772.3 769.7 805.5 819.6 899.9 9.8 16.5 0.0% -8 5
Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
CASA Ratio* 70.7% 70.3% 69.9% 70.5% 72.0% 1.5 1.3
Current Account Saving Account Time Deposit
Cost of Third-Party Funds (%) – Bank Only Sticky CASA strategy focusing on transaction
The new mobile
5.13 5.10 banking app
4.86 4.81 4.82 4.87
4.65 wondr by BNI
4.20
wondr by BNI and BNIdirect Released in July-24,
3.97
contributed significantly to CASA built in latest tech, safer
3.32 3.41 and faster & more
2.79 2.72 2.65 2.75 2.81 reliable
2.47 2.54 2.60
~68% ~83%
2.35 2.35 2.25
2.07 2.82
1.75 1.87 2.48 2.53 2.62 2.57
2.37 2.44
1.46 1.38 1.40 2.09 The New BNIdirect
1.80 1.77 integrating all BNI
1.38 1.33 1.40 1.52 retail saving balance wholesale Current
wholesale channels
1.00 1.06 comes from all mobile Account balance from
0.56 0.61 0.61 0.58 0.63 0.67 0.72 0.76 0.80 using Single Access
0.58 0.55 0.56 banking channel BNIdirect users
(SSO), providing an
1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 easier banking
As of Jun-25 experience for
Current Account Saving Account Time Deposits Cost Of Third Party Fund corporate customers.
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
24
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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%
229.0% 230.2%
226.0% 224.0% 224.2%
219.2% 219.0%
215.3%
203.4% 204.8%
193.1%
188.0% 189.0%
182.0% 183.5%
174.1% 176.0%
164.1% 160.8% 160.4%
153.0% 154.1% 155.1% 155.9%
151.8% 150.9%
145.0% 144.0% 144.8% 145.0% 146.6% 145.3% 146.3% 144.2%
140.0%
136.0% 133.4% 143.0%
126.1% 124.2% 139.1% 137.2% 136.6% 137.8%
132.5%
Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 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
LCR (Liquidity Coverage Ratio) NSFR (Net Stable Funding Ratio)
LDR is Also Manageable, Well Within Regulatory Framework
Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 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
IDR FX Blended
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
25
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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)
Fee-based Income 1H24 1H25 YoY % 3Q24 4Q24 1Q25 2Q25 QoQ %
Consumer Banking 3,438 3,522 2.5 1,802 1,931 1,754 1,768 0.8 3,777 3,925 4,275 3,874 4,009 7,592 7,883
588 498 892 968
Account Maintenance 1,072 1,092 1.9 545 607 534 559 4.7 467 488 470
797 1,527 1,817
803 797 830 988
ATM & e-Channel 748 806 7.7 389 411 401 405 0.8
Debit Card Maintenance 267 257 -3.4 125 119 122 135 10.6
2,640 2,890 2,574 5,173 5,098
PPOB & Billpayment 163 170 3.9 131 89 85 85 0.7 2,506 2,524
Remittance 134 134 0.1 74 79 72 62 -13.8
Card Business, Bancass, etc 1,054 1,063 0.9 538 626 541 523 -3.3 2Q24 3Q24 4Q24 1Q25 2Q25 1H24 1H25
Other Fee Income Trading Activities Banking Activities
Business Banking 4,154 4,360 5.0 2,123 2,344 2,119 2,241 5.7
Trade Finance 548 366 -33.3 291 270 216 149 -30.9
Key Fee Income Growth Contributors
Marketable securities 777 1,341 72.6 500 583 594 747 25.7
(IDR Bn)
FX Trading, Revaluation & ATM & e - Channel
750 476 -36.5 297 214 235 241 2.6 Marketable Securities Share Investment,
Derivatives
Custody, Coop Fee, etc
Pension Fund 110 119 8.4 59 60 57 62 7.3
19.4% 7.7%
Syndication 499 303 -39.3 156 350 174 128 -26.3 72.6%
Share Investment, Custody,
1,470 1,756 19.4 821 867 842 914 8.5
Coop Fee, Etc
806
Total Fee-based Income 1,341 1,470 1,756 748
7,592 7,883 3.8 3,925 4,275 3,874 4,009 3.5
(Bank Only)
777
Other Subsidiaries 161 177 10.1 76 256 140 37 -73.6
Total Fee-based Income
7,753 8,060 4.0 4,001 4,531 4,014 4,046 0.8 1H24 1H25 1H24 1H25 1H24 1H25
(Consolidated)
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
Variable remuneration & digitalization drove opex in 2Q25
Opex Composition (IDR Bn) Cost to Income and Cost to Asset ratio
Operating Expenses 1H24 1H25 YoY-% 3Q24 4Q24 1Q25 2Q25 QoQ-%
45.5%
Personnel Expenses 6,352 6,566 3.4 3,479 4,184 3,274 3,291 0.5 44.6%
44.2%
43.3% 43.7%
42.6% 42.9%
Base Salary 2,255 2,384 5.7 1,131 1,140 1,194 1,190 -0.3
Other Allowance 1,806 1,806 0.05 1,238 2,083 902 904 0.3
Post Employee Benefits 1,656 1,854 12.0 737 614 926 928 0.1
2.6% 2.5% 2.5% 2.5% 2.5% 2.4% 2.4%
Training 89 80 -10.2 68 44 34 47 38.6
Subsidiaries 546 442 -19.0 306 303 219 223 1.6 2020 2021 2022 2023 2024 1H24 1H25
Digitalization & CIR Cost to Asset
811 940 16.0 472 454 502 439 -12.6
Transactional
G&A Expenses 3,607 3,579 -0.8 1,957 2,334 1,593 1,986 24.7
IT & Telecommunication 714 721 0.9 342 405 248 472 90.1 Quality over Quantity
Occupancy Related 306 300 -1.9 179 147 142 158 11.7
NUMBER OF
Promotion 339 414 22.0 239 470 168 246 46.4 PERSONNEL EXPENSES
Headcount priority EMPLOYEE
(IDR Bn]
Transport & Travel 101 127 26.4 72 65 50 77 54.8 toward business &
digital units
Goods, Prof. Services &
1,889 1,765 -6.6 948 972 854 911 6.7
Others
Subsidiaries 257 252 -2.1 177 276 131 121 -7.3
Result-oriented reward 6,566
Other Expenses 2,549 2,816 10.5 1,406 1,607 1,338 1,478 10.4 6,352 27,266 26,935
scheme calibration to
Other Subsidiaries* 236 63 -73.1 121 121 33 31 -5.5
retain and attract top
talents
Total Operating Expenses 13,554 13,964 3.0 7,434 8,700 6,740 7,225 7.2 Jun-24 Jun-25
1H24 1H25
*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)
27
Page 30
Asset Quality
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
28
Page 31
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 40.5 39.7 38.9 36.4 34.4 33.6 38.3
12.9% 13.3% 12.3% 11.8% 10.3% 10.9% 11.0% 5.9% 5.8% 5.4% 5.0% 4.5% 4.5% 5.0%
8.7% 9.4% 9.6% 9.9% 10.9% 11.8% 11.9% 6.8%
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% 15.4% 13.4% 13.1% 9.9% 9.0% 7.4%
17.4%
21.4% 20.8% 19.6% 19.8% 19.8% 19.6% 20.7% 17.3% 17.9% 16.1% 16.1% 19.3%
18.5% 18.9%
56.2% 55.5% 57.1% 57.4% 58.1% 57.8% 57.8% 56.5% 58.7% 62.0% 61.9% 65.9% 67.2% 66.4%
Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-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 14.7 13.9 14.2 14.2 15.0 14.7 14.9
120.0%
4.9% 5.5% 4.9% 4.8% 2.1% 2.0% 2.0% 2.0% 2.0% 2.0%
3.8% 4.5% 4.0% 1.9%
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% 10.0% 10.1% 8.4% 6.9% 8.1% 7.8% 80.0%
20.5%
16.0% 15.0% 14.8% 23.3% 23.5% 23.4% 22.6% 18.8%
16.4% 17.0% 15.4% 19.4% 21.5%
60.0%
41.5% 33.6% 31.2% 27.0%
40.0% 41.8% 38.3% 37.1%
70.0% 65.6% 63.5% 64.0% 67.9% 64.3% 59.0%
20.0%
28.0% 30.0% 33.2%
23.3% 18.7% 20.7% 21.3%
0.0%
Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-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)
29
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Loan-at-Risk Improved to 11%, Selective Pressures in Consumer Segment
Special Mention Loan by Segment
Loan at Risk by Segment – Bank Only
(Bank Only)
Segment Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Segment Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
Corporate 6.3% 6.7% 5.6% 5.5% 4.6% 5.0% 4.1% Corporate 13.3% 13.8% 12.7% 12.2% 10.5% 11.0% 11.1%
Medium 5.3% 5.3% 5.4% 5.7% 3.9% 5.0% 5.6% Medium 18.7% 17.8% 16.3% 16.1% 14.2% 15.4% 16.5%
Small 2.6% 4.6% 4.4% 3.8% 2.6% 3.7% 3.3% Small 14.4% 15.9% 15.1% 14.2% 11.6% 12.0% 11.0%
Consumer 2.1% 2.8% 2.6% 2.7% 2.1% 2.8% 2.9% Consumer 6.2% 6.7% 6.3% 6.2% 6.0% 6.7% 6.8%
Total SML- % 4.9% 5.5% 4.9% 4.8% 3.8% 4.5% 4.0% Total LAR- % 12.9% 13.3% 12.3% 11.8% 10.3% 10.9% 11.0%
Total SML- IDR Total LAR- IDR
33,812 37,774 35,075 34,740 29,235 33,446 30,644 89,007 91,424 88,155 85,405 78,611 81,749 83,846
Bn Bn
Non-Performing Loan by Segment
Write Off & Recovery – Bank Only
(Bank Only)
Segment Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 18,669
Corporate 0.9% 0.7% 1.0% 1.1% 0.7% 0.7% 1.1% 14,390
33.2%
Medium 6.0% 5.5% 4.5% 4.3% 5.2% 5.2% 3.8% 10,884 10,771
35.8% 36.0%
7,947
Small 3.5% 3.9% 4.2% 4.3% 4.5% 4.3% 3.8% 28.7%
22.9% 6,189
5,174
Consumer 1.7% 1.8% 1.6% 1.6% 1.9% 2.0% 2.1% 3,898
2,466 2,279
Total NPL- % 2.1% 2.0% 2.0% 2.0% 2.0 2.0% 1.9%
Total NPL- IDR 2022 2023 1H24 2024 1H25
14,710 13.960 14,163 14,244 14,985 14,698 14,859
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 1H25 NPL formation came from 70% of the loan written off during 1H25 came
client origination before 2022 from client origination before 2022
4.5% 0.0% 2.2% 0.4%
9.7%
7.9%
Fintech paylater & credit card only
11.8% 17.6%
Fintech paylater & credit card only
10.0%
15.9%
65.8%
IDR 7.8Tn
1H25 NPL Formation
IDR 7.9Tn
1H25 Write Off
-23% YoY 54.2% -26% 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 Low Credit Cost (bank only)
Provisioning for Loan (IDR Tn) CoC by Segment
7.9 Segment 3Q-24 4Q-24 1Q-25 2Q-25 1H-24 1H-25
3.6
Corporate -0.1% 1.6% -0.4% -0.6% -1.4% -0.5%
Prov Charges for Medium 1.2% 2.3% 1.1% 2.6% 3.5% 1.8%
38.3 loan (net*) 36.2
30.4 Small 4.6% 2.8% 5.3% 4.5% 7.0% 4.9%
Consumer 2.2% -0.2% 2.5% 3.0% 2.6% 2.7%
Loan Provision - Dec Write Off 1H 2025 Loan Provision - after Provision Build Up Loan Provision - Jun CoC % - Bank
1.0% 1.5% 0.9% 1.0% 1.0% 1.0%
2024 write off 2025 wide
*after deducting loan remedial IDR 2.2Tn
Assigned Loan Loss Reserve
Jun 24 Jun 25 by Coll & Stage
Jun-25 Jun-25
Collectability Stage
NPL % 2.0% 1.9% Amount
LLR % Amount
LLR %
(IDR Tn) (IDR Tn)
Current – Normal 679.4 0.7% Stage 1 673.7 0.6%
LaR 83.8 37.7%
NPL Coverage % 298% 243% Stage 2 66.7 24.4%
Current Restructured 38.3 18.4% Stage 3 22.9 68.0%
Collectability 2 (SML) 30.6 48.9% All Stage 763.3 4.7%
LAR % 12.3% 11.0% NPL 14.9 64.4%
All Collectability 763.3 4.7%
LAR Coverage % 48% 43% 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% 12.3% 2.2% 2.1% 2.0% 2.0% 2.0%
10.3% 10.9% 11.0% 1.9%
9.1%
319%
298%
53% 278%
49% 49% 256% 263%
48% 47% 233% 243%
43%
182%
37%
34% 145%
27%
Avg 2017- Dec-20 Dec-21 Dec-22 Dec-23 Jun-24 Dec-24 Mar-25 Jun-25 Avg 2017- Dec-20 Dec-21 Dec-22 Dec-23 Jun-24 Dec-24 Mar-25 Jun-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
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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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
One Year,
customers’ needs, rather One big leap!
than focusing on a specific
product. IDR 5,246 Tn 717 Mn IDR 649 Tn
▲ 31.1% ▲ 22.1% ▲ 16x
Business Merchant Branchless Banking 702 Mn
E-Channel
▲ 17x
743k+ 223k+
▲ 9.0% Has been continue to gain
steady traction and
encouraging users to do
IDR 67.3 Tn 27.1 Tn 43.7 Mn transactions.
▲ 30.3% ▲ 13.9% ▲ 1.9%
13,400 IDR 1.91 Tn 368 Mn
▼ 68.2% ▲ 21.8%
TapCash BNI Open API
Ecosystem
IDR 246 Tn
▼ 15.9%
14.1 mn
2,000++ 280
▲ 11.1% Total Trx Value Total No of Trx
451 Mn 2.9Mn IDR 1.188 Tn 1.08 Bn
▼ 10.6% IDR 6.6 Tn ▼ 41.4% IDR 1,628 Bn ▲ 68% yoy ▲ 57% yoy
▼ 34.2%
▲ 26.6%
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
Drive low-cost fund consistently One year of wondr to get where BNI
Mobile Banking achieved in 4,5 years
18% YoY
wondr multicurrency Average saving balance of
new users with wondr is
higher which contributes 86%
more to savings account
181
154 balance.
8.6
6.8
5.3
Jun-24 Jun-25 2.8
1.0
Savings account balance in Jul-24 Sep-24 Dec-24 Mar-25 Jun-25
mobile banking channel (IDR Tn)
Registered users wondr by BNI (in Mn)
wondr boosted customer engagement to use The strongest acquisition
more new features of new users
International Design Award 2025
46% YoY
68% YoY
The Most Innovated and Outstanding Banking Product and business
Creative Communication Transformation of The Year Model Category, Super
Strategy Apps wondr by BNI
1,188 1,007
707 49% 689
of active users in wondr at
Ratings
Ratings least use 4 different
4,9/5,0 4,9/5,0 1H-24 1H-25 features and transact
more than average users Jun-24 Jun-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…
Everyday Banking Savings and Wealth Elevating Financial Global Citizenship
• Domestic and overseas transfer
Lifestyle Management Growth • wondr multicurrency
• Open investment • Integrated portfolio • QRIS Cross Border
• Time deposits • Life Goals Term Savings
• Bill payment, virtual account, QRIS, • Time deposits USD and account • Cardless transactions
e-wallet SGD • Government Bonds • Credit Card installment
• Mutual funds • Foreign exchange • Enhanced Personal Finance
• Personal Finance Management • Lifestyle Management
• Buy trains and BNI Java Jazz Tickets
• Tax report
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)
19.7%
• Strong penetration rate in Corporate clients: 78% of total YoY
transaction value comes from Corporate Clients 202.2
• Corporate Clients’ transaction value increased by 37% YoY 169.0
Jun-24 Jun-25
Transaction Value (IDR Tn)
31.1%
YoY
5,246
4,003
1H24 1H25
Value Chain
Payment Management
Management
# of Transactions (in Mn)
receivables Open Banking Solution 22.1%
YoY
587 717
Liquidity Management
1H24 1H25
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 17.4k Agents are in Frontier, Remote
Powerful Mobile Agent App Financial Inclusion and Disadvantaged Areas
8.5k
4.8k
4.0k
S p re a d A c ro ss:
Chargeable Transactions at Agents
Continues to Increase as
Literacy Improves
85% 92%
59% 69%
32%
• Online Account • Cash Withdrawal and • Government
14% 12% 14%
Opening Deposit Subsidy
Plenty Bill payment • Money Transfer • Tax and Bill Payment • KUR Loan
User Friendly Services referrals 2019 2020 2021 2022 2023 2024 1Q-2025 1H-2025
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
financial services of Agen46 24%
Online Account 31% Inquiry Saldo
Opening, Cash • Increase Customer Traffic
BNI Transfer
Withdrawal & Deposit • Commission-based income for facilitated 43.7 Million
transactions 6% 1H-25
Cash Deposit
10%
Others (Inc. Top Up E-Wallet, Interbank
29% 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) Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Comp (%)
QoQ YoY Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
Manufacturing 144.6 146.5 154.9 147.7 147.0 -0.5 1.7 23.9 3.6 3.8 3.0 3.0 3.8
Trading, Restaurant & Hotel 119.0 117.4 111.6 109.3 107.1 -2.0 -10.0 17.4 2.5 2.5 3.5 3.3 3.1
Infrastructure 55.5 55.0 55.5 57.4 62.6 8.9 12.7 10.2 1.1 1.0 0.8 0.8 1.1
Transport, Warehouse &
55.7 55.3 61.6 55.5 60.9 9.9 9.4 9.9 1.4 1.3 2.6 2.8 1.9
Communications
Business Services 45.8 45.9 50.9 55.2 53.8 -2.5 17.4 8.8 2.0 1.4 1.1 1.3 0.8
Natural Resources 47.5 50.7 51.2 51.4 50.8 -1.3 6.9 8.3 0.1 0.1 0.1 0.1 0.2
Agriculture 51.7 50.2 48.0 45.6 46.1 1.1 -10.9 7.5 2.3 2.6 1.7 1.7 0.7
Social Services 29.1 29.0 46.2 44.2 46.7 5.7 60.4 7.6 0.8 0.8 0.5 0.2 0.2
Electricity, Gas & Water 27.7 27.7 31.5 33.0 34.2 3.6 23.7 5.6 0.1 0.1 0.1 0.1 0.0
Others 4.1 5.2 5.7 4.2 5.3 25.6 27.7 0.9 0.9 0.7 0.9 1.3 2.6
Total 580.7 582.9 617.1 603.7 614.5 1.8 5.8 100.0 2.1 2.1 2.0 2.0 1.9
Manufacturing Trading, Restaurant, Hotel Infrastructure
150.0 10.0%
154.9 117.4
70.0
62.6
55.5
10.0%
144.6 146.5 147.7 147.0
130.0
119.0 111.6 109.3 55.0 55.5 57.4
110.0
107.1 60.0
50.0
90.0
3.5%
40.0
5.0%
70.0
3.3% 3.1%
5.0%
2.5% 2.5%
30.0
3.6% 3.8% 3.0% 3.8%
3.0%
50.0
1.1% 1.0% 1.1%
20.0
30.0 10.0
0.8% 0.8%
10.0 0.0% - 0.0%
Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-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 - %
Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
(IDR Tn) YoY (%) Jun-24 Jun-25
2.9 2.9 2.9 3.0
Mortgage 62.2 63.8 66.5 67.6 68.4 9.9% 46.5% 2.2 3.0 2.6 2.6 2.6
2.7
2.2 2.3
Personal Loan 53.8 55.9 58.0 59.3 60.1 11.7% 40.9% 0.8 1.0 2.5 2.5
1.7 1.8 2.4
1.7 1.7 1.7 1.8
Payroll Loan 50.3 52.3 54.4 55.6 56.6 12.1% 38.5% 0.8 1.0 1.7
0.9 1.0 1.0
0.8 0.8 0.8 0.8 0.8
Fintech Paylater 3.5 3.6 3.6 3.7 3.5 5.2% 2.4% 1.6 1.5 1.0
0.8
0.1 0.1 0.1 0.1
0.5 0.5
Credit Card 14.4 14.6 15.0 14.9 15.4 7.0% 10.5% 1.8 2.5
Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
Others 2.3 2.7 3.0 3.1 3.1 33.5% 2.1% 0.1 2.7 Mortgage Personal Loan Credit Card Others
Total 132.7 137.0 142.5 144.9 147.0 10.7% 100.0% 1.6 2.1
Ample Room for Growth of Payroll Loan
Personal Loan Debtors
Composition Jun-25
5,080
4,494 4,669
25.0%
3,796 3,705 3,623 3,735
3,392 3,426 3,510 3,529 35.1%
342 352 358 365
295 312 335
2,724 308
2,302 261 269 281
234 IDR 60.1 Tn
185 4.6%
12.4%
23.0%
2017 2018 2019 2020 2021 2022 2023 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
Government Related SOE Private Companies Universities Other
Number of Payroll Account [Thousand] Number of Payroll Loan Account [Thousand]
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 targeting operational NZE by 2028 and financing NZE by
Running the company’s business by 2060.
integrating
• Integrating ESG risk management into Risk Acceptance Criteria
economic, social, environmental and
Demonstrating (RAC) across various industry sectors.
governance aspects.
continuous • BNI’s MSCI ESG Rating has been upgraded to A, particularly
progress supported by the improvements in governance practices, strong
BNI FOR CUSTOMERS business ethics, and enhanced management of ESG-related risks in
Providing excellent services, digital solutions, credit underwriting, while maintaining a Medium Risk rating under
security, and privacy protection for all Sustainalytics ESG Risk Rating.
customers. • Adapting International ESG Reporting Standards.
• Green financing enhancement, achieving approximately 10% of total
BNI FOR THE ENVIRONMENT loans.
Commitment to
Improving environmental quality in line with • Implementing the Indonesian Sustainable Finance Taxonomy (TKBI)
participate in
business development. for borrowers in the energy sector.
the green
transition & • Strengthening ESG aspects on the Risk Acceptance Criteria (RAC) by
climate action adding aspects of human rights and occupational health & safety, as
BNI FOR THE COMMUNITY well as mitigation and climate change adaptation in borrowers’
operations.
Increasing awareness and responsibility to all
levels of society in line with business • Enlarging RAC coverage from 18 sectors to 22 sectors.
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 Embracing CRMS for Advanced
Sustainability
CRMS
BNI supports the OJK’s launch of
Conducting climate-related financial risk CRMS (Climate Risk Management &
Increasing employee
management by referring to international
standards. S engagement
Scenario Analysis) as part of its
commitment to Indonesia’s NZE 2060
and alignment with IFRS S1 and S2
Achieving Operation NZE (Net Zero Emission) Employee capability
by 2028 and Financing NZE by 2060 enhancement KEY INITIATIVES
ESG ▪ Developed CRST tools to assess climate risks
Framework on financial performance and overall bank
Strengthening customer data health.
Governance reinforcement in ESG loans
E G
and financial protection ▪ Engaged debtors in providing emission data
for climate risk assessments.
Increasing employee’s awareness ▪ Adopted the NGFS methodology for CRST
Government implementation.
& capabilities
▪ Strengthening ESG governance and
capacity-building.
Sharpening ESG disclosure Increasing diversity in Board
level
BNI Tackles Climate Risk in Its Portfolio
Strengthening Board’s engagement
on ESG ▪ CRST is a key part of BNI’s Climate Risk
Management Strategy (CRMS).
▪ In 2024, BNI assessed 50% of its productive loan
portfolio and mortgage using NGFS climate
Short Term Focus (2024) Medium Term Focus (2024-2026) Long Term Focus (≥2027) scenarios.
▪ Electricity and gas are the most vulnerable
• Strengthening infrastructure • Strengthening debtors’ Risk Acceptance Implementation of climate change sectors; agriculture, forestry, and fisheries face
• Establishing Net Zero Emission Criteria (RAC) risk management in bank operations notable physical risks.
roadmap and Carbon Budget • Strengthening infrastructure for climate ▪ Climate risks may reduce CAR by 3.4% by 2050,
change risk management but it remains above regulatory standards.
• strengthening Board’s engagement on ESG ▪ BNI aims to expand CRST to 100% of productive
• Optimizing data loss prevention loans, support borrower transitions, and
integrate climate risk into credit analysis.
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 % 4 0 .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 To ta l w a ste re c yc le d
IDR 5 tn IDR 5.0Tn 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 B Series: 5 years Term 6.85% amount of IDR 1tn 5 5 , 8 9 9 ( Tre e s)
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
4 6 .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
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 Sustainability Bond
Issuance Structure BNI Sustainability Bond Framework
Sustainalytics confirmed that BNI's 2025 Sustainability Bond Framework is credible and impactful,
Amount IDR 5.0 Tn fully aligned with ICMA and ASEAN Sustainability Bond standards.
Use of Proceeds
Series A : 3 years ➢ Proceeds are exclusively allocated to eligible projects under:
Tenure
Series B : 5 years ▪ Green Categories: Renewable Energy, Energy Efficiency, Waste Management, Sustainable
IdAAA by Transport, Water & Wastewater, Climate Adaptation, Green Buildings, etc.
Rating PT Pemeringkat Efek ▪ Social Categories: Basic Infrastructure, MSME Financing, Affordable Housing, Essential Services,
Indonesia Food Security, and Socio-Economic Empowerment.
➢ Applies to both existing and new facilities.
Collateral Clean basis ➢ Lookback period: Maximum of 3 years from loan agreement date.
Management of Proceeds
Series A : 6.60%
Coupon Proceeds are managed transparently and accountably.
Series B : 6.65%
▪ Tracking: ESG team allocates and records proceeds per eligible projects.
Coupon Payment Quarterly (30/360)
▪ Monitoring: Ensures compliance with the framework.
▪ Unallocated Proceeds: Held in liquidity instruments until aligned deployment.
Project Evaluation & Selection
The evaluation process ensures that proposed projects align with the defined categories and eligibility
Investors by Category
criteria in accordance with applicable standards and regulations.
1% 0% ▪ Proposal by Business Units.
16%
28%
▪ Eligibility Review by Enterprise Risk Management
▪ Approval by ESG Sub-Committee.
Series A Series B
IDR 3.5 Tn IDR 1.5 Tn ▪ Ensures regulatory and framework alignment
72% Reporting & Disclosure
83% Annual reporting includes:
▪ Allocation Report: Project count, financing amount, and undisbursed proceeds.
Bank Non-Bank Retail ▪ Impact Report: Project types and measurable impact indicators..
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
Promoting Sustainability Linked Loan (SLL) on Top of Sustainable Portfolio
Sustainable portfolio* IDR 185.2 Tn or 24.3% 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 111.2 Tn resources and land use
Financing and empowerment
program towards micro & SME
IDR 35.9 Tn
Agrifood Minimizing the impact
Manufacture of water pollution
Renewable Energy Others
(Sustainable water and
IDR 11.6 Tn wastewater management, etc.)
Financing to hydro, solar &
biogas power plant IDR 22.9 Tn
Cement Achieving specific
Manufacture CO2 emissions
Pollution Prevention
IDR 3.6 Tn ~ USD
* Sustainable portfolio is loan to business sectors that meet The Sustainable Business Activities Category (KKUB)
requirements by OJK Steel 352mio Improvement of ESG
Manufacture scoring on annual basis
Robust 4-Year Growth in Green Loans, Surpassing 20%
in total
IDR Tn
cagr Reducing emissions,
Packaging
22.7% recycling resin and gender
Manufacture
equality
55.4 59.7 67.9 73.4 74.0
29.5
Reducing GHG emissions,
123.2
Coal-Derivative increasing employee
113.8 117.0 113.2 117.1 111.2
Manufacture training program
2020 2021 2022 2023 2024 Jun-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)
2.97% 0.05%
Weapons
3.3%
7.9% 17.3%
Gambling
& money laundering 36.4%
Politically Exposed
Person (PEP) 62.9%
96.7% 96.98%
82.7%
92.1% 0.7%
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
Protection of minority
One share, one vote shareholders and initiatives to
3 out of 6 are independent commissioners
foster their involvement
Predicate as a “Leadership in
Risk Monitoring
Audit Committee
Committee ISO 37001:2016 Corporate Governance”
All Committees under BOC are chaired by Concerning Anti Bribery Based on the 2024 ASEAN Corporate Governance
an independent commissioner Management System Scorecard (ACGS) standard from the Indonesia Institute
Nomination & Integrated for Corporate Directorship (IICD),
Remuneration Governance BNI still place in the predicate “Leadership in Corporate
Committee Committee Governance”
All BOD members are independent from the
The Board of Directors controlling shareholder
• Respecting and supporting intellectual property
Protection
Fair Operating Practices • fair trade practices and avoiding monopoly
& Competition • Maintaining mutual trust and fair relations with
business partners/suppliers/vendors in
BNI fosters and supports the principles of diversity, equality and non-discrimination accordance with the code of conduct and
integrity pact.
23% (3 out of 13) BOD are female
BNI Code of Ethics Whistleblowing System
Annual Declaration
BOD distribution by age by Jun-25 Training/Socialization
31% 38% 31%
<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
2,711 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 Jun-2025, BNI
Women Men physical disabilities has distributed IDR 17.3 Bn to 72 MSMEs in
Gender 52% 48% 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% 9%
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 Jun 2025, BNI has
BNI Amex Vibe Card distributed IDR 32.3 Bn to 230 coffee
Targeting youth segment, farmers.
<25 30-34 41-50 With card using recycled materials
3% 23% 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 Jun 2025 with the total number of full-time • Solar panel installation for the emergency exit in Plaza BNI and BNI Building PIK2.
employees: 26,935 • 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
Data Application & forensics
Management 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,
Technolog
y, 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 23.2
GROUP
375 out of 1,020
Banks
RATINGS
Medium
Risk
UNIVERSE
CCC B BB BBB A AA AAA Negl Low Med. High Severe Global 5,759 out of 14,698
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 20 September 2024 16 December 2024 6 March 2025
Corporate Governance
SRI (KEHATI) Index Constituent IDX ESG Leader Index The 15TH IICD Corporate Asia Sustainability Reporting
Perception Index (CGPI) Award
of Sustainable Investment 1 of 30 Public Company Listed Governance Award 2024 Rating 2024 (ASRRAT)
2024
INDONESIAN
BIODIVERSITY
FOUNDATION
IDX ESG star-listed companies:
https://esg.idx.co.id/
The Best Overall Asia Sustainability Report
Period: Period: in Corporate Governance
The Most Trusted Company Rating (ASRRAT) 2024 - Gold
June 2025 – November 2025 June 2025 – November 2025 25 November 2024 28 November 2024 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)
54
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About BNI
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
55
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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 for Human Resources, Technology, and Information –
▪ President Director – Prudential Syariah Life Assurance Ministry of State-Owned Enterprises
▪ Commissioner – Bank Mandiri
DONNY HUTABARAT
SUMINTO
COMMISSIONER*
COMMISSIONER*
▪ Director General of Budget Financing and Risk Ministry ▪ Head of the Financial Market Development Department –
of Finance Bank Indonesia
▪ Governor at the OPEC Fund for International ▪ Head of the Monetary Operations Group - Bank Indonesia
Development
VERA FEBYANTHY
DIDIK JUNAIDI RACHBINI
INDEPENDENT COMMISSIONER*
INDEPENDENT COMMISSIONER*
▪ Rector - Paramadina University ▪ Member of Commission XI of the House of Representatives of
▪ Chairman of the Supervisory Board - Foundation for the Republic of Indonesia (2019 – 2024 term)
Economic and Financial Development Institute (LPEK) ▪ Member of Commission XI of the House of Representatives of
INDEF the Republic of Indonesia (2009 – 2014 term)
*Waiting for Fit & Proper Test from 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
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) ▪ SEVP Corporate Banking, Bank Mandiri (2016 – 2018)
▪ Treasury Director, Bank Negara Indonesia (2022 – 2023)
HUSSEIN PAOLO KARTADJOEMENA AGUNG PRABOWO ABU SANTOSA SUDRADJAT
Finance & Strategy Director (CFO) Corporate Banking Director Treasury & International Banking* Director
▪ Digital and Integrated Transaction Banking Director, ▪ Wholesale and International Banking Director,
Bank Negara Indonesia (2024 – 2025) ▪ SEVP International Banking & Financial Institutions,
Bank Negara Indonesia (2024 – 2025)
▪ President Commissioner, Hibank Indonesia (2023 – 2024) Bank Mandiri (2024 – 2025)
▪ President Director, BNI Sekuritas (2021 – 2024)
▪ SEVP Corporate Development & Transformation, ▪ GM Overseas & Singapore Branch,
▪ Managing Director, UBS Investment Bank (2013 – 2021)
BNI (2020 – 2024) Bank Mandiri (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, ▪ EVP Head of Digital Strategy & Delivery,
Bank Negara Indonesia (2022) Commonwealth Bank Indonesia (2006 – 2021)
▪ Head of Regional Office 14, Bank Negara Indonesia (2021)
MUNADI HERLAMBANG
Human Capital & Compliance Director* CORINA LEYLA KARNALIES
MUHAMMAD IQBAL
Consumer Banking Director
Commercial Banking Director*
▪ Institutional Banking Director,
Bank Negara Indonesia (2024 – 2025) ▪ Retail Banking Director, Bank Negara Indonesia (2024 – 2025)
▪ SME and Retail Funding Director,
▪ Institutional Relations Director, Jasa Raharja (2021 – 2024) ▪ Digital & Integrated Transaction Banking Director,
Bank Tabungan Negara (2024 – 2025)
▪ Finance, Human Capital & Risk Management Director, Bank Negara Indonesia (2023 – 2024)
▪ Institutional Banking Director,
Wijaya Karya Bitumen (2019 – 2021) ▪ Consumer Banking Director,
Bank Negara Indonesia (2023 – 2024)
Bank Negara Indonesia (2020 – 2023)
▪ Enterprise & Commercial Banking Director,
Bank Negara Indonesia (2022 – 2023)
TOTO PRASETIO RONNY VENIR
Information Technology Director Operations Director
▪ Technology and Operations Director, ▪ Network and Services Director,
Bank Negara Indonesia (2023 – 2025) Bank Negara Indonesia (2020 – 2025)
▪ SEVP Information Technology, Bank Mandiri (2019 – 2022) ▪ SEVP Network, Bank Negara Indonesia (2019 – 2020)
▪ Group Head IT Application Support, ▪ SEVP Medium Business, Bank Negara Indonesia (2018 – 2019) *Waiting for Fit & Proper Test from OJK
Bank Mandiri (2017 – 2019)
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*)
Jun-25 223,881 Jun-25 13,400 Jun-25 20 Jun-25 26 Jun-25 12 Jun-25 1,778 Jun-25 26,935
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
71.8 million
24.6 million
2.0
million
247,943 276,404
Business Banking
618
Corporate Debtors
2,282
Medium Loan
276,404
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 1H24 2024 1H25 YoY (%) Branchless Banking 1H24 2024 1H25 YoY (%)
wondr and BNI Mobile Banking # Agent 205,379 213,370 223,881 9%
#User (Th) 17,585 23,433 27,151 54% Agent Fund (IDR Bn) 3.839 4,818 5,247 36.6%
#Trx (Mn) 688 1,574 1,079 57% #Trx (Mn) 42.88 79.35 43.71 1.9%
Volume (IDR Tn) 23.89 51.97 27.14 13.9%
Volume (IDR Tn) 707 1,687 1,188 68%
#Pandai Account (Th) 20.033 20.178 20.176 0.7%
SMS Banking
Pandai Fund (IDR Bn) 995.37 1,124 1,193 19.9%
#User (Th) 12,707 12,695 12,704 -0.02%
#Trx (Mn) 302 688 368 22%
Reliable Transaction Platform
Volume (IDR Tn) 6 9 1.91 -68% to Support The Cashless Society
Internet Banking Electronic Money &
1H24 2024 1H25 YoY (%)
Acquiring
#User (Th) 2,230 2,217 2,227 -0.13%
BNI Tap Cash
#Trx (Mn) 5 10 2.93 -41%
#Card (Th) 12,696 13,633 14,108 11.1%
Volume (IDR Tn) 10 19 6.58 -34% #Trx (Mn) 53 116 65 23.7%
ATM Volume (IDR Bn) 1,286 2,779 1,628 26.6%
Acquiring (EDC + QRIS + Online Merchant)
#Trx (Mn) 505 969 451 -11%
#Trx (Mn) 206 459 286 39.1%
Volume (IDR Tn) 293 567 246 -16%
Volume (IDR Tn) 52 113 67 30.3%
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% 0.3%
End Pro, and Steady
Protection)
#9 #3
Bancassurance
38% Employee Benefit
Agency
32% 30%
Others
#2
21%
60% Alternative Dist.
#8 47%
29%
41%
Investment
Banking 4.9% 31
Brokerage
1H24 1H25
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
▲9.9% YoY
Officially acquired PT
Bank Mayora ~ 1,0 M CIF
BNI – BNI Finance (Rp5.5 T → Rp6.0 T)
36%
(Jun’24) (Jun’25)
17 May 2023 Jun-25
Rebranding as hibank
Total Deposit Total Loan
64%
LaR ▲44.4% Total Financing
▲26% YoY ▲31% YoY ▼-1.2% YoY YoY
to support the vision of Dealer Partnership
becoming Indonesia's (Rp11.1 T → Rp14.0 T) (Rp8.8 T → Rp11.5 T) (3.7% → 2.5%) ▲20.3% YoY
Leading MSME Digital
Bank. (Jun’24) (Jun’25) (Jun’24) (Jun’25) (Jun’24) (Jun’25)
1,787 Dealer (Rp0.8 T → Rp1.1 T) (Rp4.7 T → Rp5.7 T)
SME Non SME (Jun’24) (Jun25) (Jun’24) (Jun’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)
57.4 212.3
50.8
LIFE VENTURE
MULTIFINANCE SECURITIES REMITTANCE BANK
INSURANCE CAPITAL 104.2
1983 1995 1996 1996 2022* 2022
99.99% 75.00% 60.00% 100.00% 63.92% 99.98% Jun-24 Jun-25 1H-24 1H-25
Total Subs
Contribution (IDR Bn)
ASSET
SECURITIES
MANAGEMEN
T
2011 2021
99.90% 100.00%
Year of Shares ownership 1,198.1
establishment
1,194.3
Note: as of February 2021, the financial summary (report) is excluded BNI Syariah as a
consolidated calculation. *
* Year of acquisition
1H-24 1H-25
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
11.7 9.6 21.9
203.8 202.4 4.8 4.6 1.3 0.6
189.3 5.1 1.4
-3.6 -1.1
131.1 121.9
118.7
-83.6
28,727 2,745 5,450
24,243 25,743 2,600 5,989
2,245
1,603
6,309 6,295 6,069 1,154 1,185 1,313 152 868 753
1H2023 1H2024 1H2025 1H2023 1H2024 1H2025 1H2023 1H2024 1H2025
hibank BNI Ventures
127.7
1.9
0.2 0.2
60.4 60.9
19,189 524
16,319
12,641 516
514
510 508
506
4,462 4,526 4,668
1H2023 1H2024 1H2025
1H2023 1H2024 1H2025
Note:
- *) Data 1Q2025 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)
22.25%
21.83% 21.40%
20.67% 1.38% 21.07%
1.49% 1.44%
1.40% 1.33%
1.58% 1.34% 1.36%
1.37%
1.43%
13.95%
REGULATORY 17.66% 19.00% 18.60% 19.47% 18.37% (starting from Mar-25)
REQUIREMENT
2.5%
13.80% (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)
Jun 24 Sept 24 Dec 24 Mar 25 Jun 25
CET 1 AT 1 Tier 2 CAR
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
BASEL 3 Capital requirement and BNI Capital realization
2023 2024 Jun-25 BBNI Capital Realization
BBNI Capital Realization Jun-24 Dec-24 Jun-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 17.7 18.6 18.4
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 19.1 20.0 19.7
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. Countercylical 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 (%) 20.7 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
Jun-24 Dec-24 Jun-25
Minimum Common Equity Tier 1 (Bank Only – IDR Tn)
10.30% 10.30% 10.45%
+ Risk Profile + Additional Buffers RWA - Credit Risk 635.0 660.2 658.5
RWA - Market Risk 12.4 14.2 13.1
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 684.8 711.8 711.9
Total Capital 141.5 152.3 150.0
Minimum CAR + Risk Profile CAR - % 20.7 21.4 21.1
13.80% 13.80% 13.95%
+ Additional Buffers
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
Breakdown Yield Earning Asset & Interest Bearing Liabilities (bank only)
1H24 1H25 Growth YoY
Breakdown Earning Asset
Amt (IDR Tn) Yield Amt (IDR Tn) Yield Amount Yield
Loan 715.5 7.5% 763.3 7.3% 6.7% -0.2%
Non Loan 225.5 5.6% 306.0 5.0% 35.7% -0.6%
Marketable Securities 152.3 4.6% 177.9 4.2% 16.8% -0.3%
Placement 39.6 4.0% 102.0 3.3% 157.7% -0.7%
Acceptance and other receivables 33.6 12.4% 26.1 12.7% -22.2% -0.3%
Total Earning Assets 941.0 7.0% 1,069.3 6.7% 13.6% -0.2%
1H24 1H25 Growth YoY
Breakdown Interest Bearing Liabilities
Amt (IDR Tn) CoF Amt (IDR Tn) CoF Amount CoF
Third Party Fund 761.2 2.8% 885.7 2.8% 16.4% 0.03%
Current Account 301.7 2.9% 376.8 2.6% 24.9% -0.2%
Savings 239.7 0.7% 265.1 1.0% 10.6% 0.3%
Time Deposit 219.9 4.8% 243.8 5.0% 10.9% 0.2%
Borrowings & Repo 44.1 6.9% 44.7 6.3% 1.5% -0.6%
MS Issued 31.2 4.7% 27.0 4.9% -13.5% 0.2%
Total Interest Bearing Liabilities 836.5 3.4% 957.4 3.4% 14.5% 0.0%
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 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
162 154
Long Term Local Currency BBB/Stable 17% 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% -2% 0.99
National Long Term Rating AAA/Stable -5% 0.91
National Short Term Rating
F1+ -21% -19%
2020 2021 2022 2023 2024 Jun-25
2020 2021 2022 2023 2024 Jun-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 June-25)
Foreign Long Term Bank Deposits Baa2
Ownerships Dec-24 Jun-25 35.6% Indonesia
Local Long Term Bank Deposits Baa2
Moody's
Baseline Credit Assessment Baa3 22.9% US & Canada
Government RI 60.0% 60.0% 40%
Adjusted Baseline Credit Assessment Free Float
Baa3 25.4% UK & Europe
Counterparty Risk Assessment Public - Shares
Baa2/p-2 13.7% 13.3% 8.7% Rest of Asia
Domestic
5.8% Singapore
Public - Foreign 26.3% 26.7% 90.0%
Pefindo Corporate Rating AAA/Stable 1.6% Rest of The World
Institutions
▪ Issued shares 37,297,312,916 shares
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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5 Years Financial Data
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
5 Years Financial Data (1)
Consolidated Balance Sheet (IDR Bn) 2020 2021 2022 2023 2024 Jun 24 Jun 25
Total Assets 891,337 964,838 1,029,837 1,086,664 1,129,806 1,072,454 1,201,653
Placement with other banks & BI 61,329 92,290 51,569 43,794 17,076 19,043 69,774
Marketable Securities [market value] 29,947 26,053 28,556 37,408 48,453 40,433 52,412
Government Bonds [market value] 90,661 111,430 121,291 127,100 132,072 132,496 135,127
Loans (gross) 586,207 582,436 646,188 695,085 775,872 726,977 778,681
Third Party Funds 679,452 729,169 769,269 810,730 805,511 772,319 899,878
Deposit from other banks 9,372 14,377 15,245 11,894 18,548 18,150 11,456
Marketable Securities Issued 3,085 18,751 22,110 21,822 30,674 31,104 26,964
Borrowings 44,114 32,458 35,654 30,950 42,931 32,736 39,436
Shareholders’ Equity 112,872 126,520 140,198 154,733 167,187 154,072 165,188
Consolidated Profit or Loss (IDR Bn) 2020 2021 2022 2023 2024 1H24 1H25
Interest Income 56,173 50,026 54,659 61,472 66,583 32,173 33,614
Interest Expense (19,021) (11,779) (13,338) (20,196) (26,103) (13,102) (14,098)
Net Interest Income 37,152 38,247 41,321 41,276 40,480 19,072 19,516
Premium Income Net 1,471 1,399 1,552 1,659 1,724 786 343
Fee Based Income 11,864 13,639 14,820 14,783 16,286 7,753 8,060
Recovery 1,549 2,581 3,780 5,030 6,025 2,385 2,204
Operating Income 52,036 55,865 61,472 62,747 64,515 29,996 30,123
Operating Expense (24,214) (24,801) (27,059) (27,778) (29,688) (13,554) (13,964)
Pre-Provision Income (PPOP) 27,822 31,064 34,413 34,970 34,826 16,442 16,158
Provisioning Charges (22,590) (18,298) (11,514) (9,196) (8,211) (3,511) (3,787)
Non-Operational Inc/(Exp) (119) (216) (212) (134) (35) - (54)
Net Income 3,280 10,898 18,312 20,909 21,464 10,692 10,094
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
5 Years Financial Data (2)
Financial Ratios (%) 2020 2021 2022 2023 2024 1H24 1H25
LOAN Growth [Consolidated] 5.3 5.3 10.9 7.6 11.6 11.7 7.1
CASA Ratio [Consolidated] 68.5 69.4 72.4 71.2 69.9 70.7 72.0
CASA Growth [Consolidated] 5.6 17.1 10.1 3.6 -2.5 2.5 18.7
CAPITAL
Shareholders equity to total asset 12.7 13.1 13.6 14.2 14.6 14.4 13.7
Tier I - CAR (include operational risk) 15.7 17.7 17.5 20.2 20.0 19.1 19.7
Tier II - CAR (include operational risk) 1.1 2.0 1.8 1.7 1.4 1.6 1.3
Total CAR (credit,market + operational risk) 16.8 19.7 19.3 22.0 21.4 20.7 21.1
ASSET QUALITY
Net Non-Performing Loan 0.9 0.9 0.5 0.6 0.7 0.6 0.7
Gross Non-Performing Loan 4.3 3.7 2.8 2.1 2.0 2.0 1.9
Credit Cost 4.1 3.3 1.9 1.4 1.1 1.0 1.0
NPL Coverage 182.4 233.4 278.3 319.0 255.8 298.2 243.4
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 14.6 12.8
Net Interest Margin 4.5 4.7 4.8 4.6 4.2 4.0 3.8
EFFICIENCY
Cost to Income Ratio 44.2 43.3 42.6 42.9 44.6 43.7 45.5
LIQUIDITY
Loan to Deposit Ratio 87.3 79.7 84.2 85.8 96.1 94.0 86.2
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
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
Equity Research Contact Details
NO BROKERAGE ANALYST EMAIL
1 Bahana Securities Yusuf Ade Winoto Yusuf.ade@bahana.co.id
2 BCA Securities Andre Benas andre.benas@bcasekuritas.co.id
3 CGS International Handy Noverdanius handy.noverdanius@cgsi.com
4 Ciptadana Securities Erni M Siahaan Siahaanerni@ciptadana.com
5 Citi Investment Research Ferry Wong Ferry.wong@citi.com
6 CLSA Sarina Lesmina Sarina.Lesmina@clsa.com
7 Danareksa Securities Victor Stefano Victor.stefano@brids.co.id
8 DBS Bank Rui Wen Lim ruiwenlim@dbs.com
9 Goldman Sachs Melissa Kuang Melissa.kuang@gs.com
10 HSBC Singapore Weldon SNG Weldon.sng@hsbc.com.sg
11 Indo Premier Securities Jovent Muliadi Jovent.muliadi@ipc.co.id
12 JP Morgan Harsh Wardhan Modi Harsh.w.modi@jpmorgan.com
13 KB Valbury Securities Akhmad Nurcahyadi Akhmad.nurcahyadi@kbvalbury.com
14 Korea Investment & Securities Co Ltd. Edward Ariadi Tanuwijaya Edward.t@kisi.co.id
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
Menara Astra Building, 32nd Floor Zone F
Jl Jend Sudirman kav. 5 - 6 Jakarta 10220
T: 62-21-86656800
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
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
72
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