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Page 1
PT BANK OF INDIA INDONESIA TBK FINANCIAL STATEMENTS
AS OF 31 MARCH 2025 AND 31 MARCH 2024 (UNAUDITED)
HEAD OFFICE
Jl. K.H. Samanhudi No. 37. Jakarta, Telp. : 021-3500007 (Hunting), Fax : 021 - 3808178, Contact Center : Hello BOII 150707
Website : www.boiindonesia.co.id, Email : corporate@boiindonesia.co.id. Share Code : BSWD, SWIFT BKIDIDJA.
BRANCH OFFICE
Samanhudi : Jl. Samanhudi No. 37 Central Jakarta 10710
Mangga Dua : Wisma Eka Jiwa Jl. Arteri Mangga Dua Raya Blok RM No. 17 Mangga Dua South Jakarta 10730
Bandung : Jl. Veteran No. 49 Bandung
Tunjungan : Jl. Tunjungan No. 32 Surabaya East Java
Coklat : Jl. Coklat No. 20-22 Surabaya 60161
Denpasar : Ruko Indah Blok 27 Diponegoro Street No. 135-137
Medan : Jl. H. Zainul Arifin No. 55-C/31
Makassar : Jl. Ujung Pandang (Ex. Taman Bahari) No. 13
SUB-BRANCH OFFICE
Kelapa Gading : Graha KNS, Jl Raya Boulevard Barat Blok XC 5-6 Kelapa Gading North Jakarta 14240
Sunter : Jl. Danau Sunter Utara (Sunter Garden Complex) Blok D-1 Kav. 12-13 No. 3 North Jakarta 14350
Kramat Jati : Jl. Raya Bogor KM 21 No. 18 Kramat Jati East Jakarta 13830
MD Place : MD Place Tower 2 South Setiabudi Street No. 7 South Jakarta
Ngagel : Ngagel Jaya South Street No. 169-A Surabaya 60284
Wiyung : Taman Pondok Indah Shophouse Block A-37 Jl. Raya Menganti 211
CASH OFFICE
Gandhi National School : Jl. Pangandaran IX Blok B4 West Ancol North Jakarta
Gandhi Memorial Intercontinental
: Jl. H.B.R Motik - Blok D.6 No. 1 Kemayoran Central Jakarta
School (GMIS)
Page 2
PT BANK OF INDIA INDONESIA TBK
STATEMENTS OF FINANCIAL POSITION
AS OF 31 MARCH 2025 AND 31 DECEMBER 2024
(In millions of rupiah)
No. ACCOUNTS 31 MAR 2025 31 DEC 2024
ASSETS
1. Cash 21.777 14.061
2. Placements with Bank Indonesia 204.906 254.321
3. Placements with other banks 58.323 7.270
4. Spot and derivative/forward receivables 88 1.350
5. Securities 1.812.235 1.962.741
6. Securities sold under repurchase agreement (repo) - -
7. Securities purchased under resell agreements (reverse repo) 203.092 266.444
8. Acceptance receivables - -
9. Loans and financing 4.370.748 4.140.311
10. Sharia financing - -
11. Equity investment - -
12. Other financial assets 22.160 21.565
13. Impairment on financial assets -/-
a. Securities - -
b. Loans and Sharia financing 139.376 119.077
c. Others - -
14. Intangible assets 27.683 27.683
Accumulated amortization on intangible asset -/- 22.887 22.202
15. Fixed assets and equipment 157.599 157.658
Accumulated depreciation on fixed assets and equipment -/- 30.685 31.793
16. Non earning assets
a. Abandoned property - -
b. Foreclosed assets 81.727 96.235
c. Suspense accounts - -
d. Interbranch assets - -
17. Other assets 46.266 38.590
TOTAL ASSETS 6.813.656 6.815.157
No. ACCOUNTS 31 MAR 2025 31 DEC 2024
LIABILITIES
1. Current account 509.287 481.456
2. Saving account 92.199 96.460
3. Time deposit 2.691.685 2.524.789
4. Electronic money - -
5. Liabilities to Bank Indonesia - -
6. Liabilities to other banks 71 209.297
7. Spot and derivative/forward liabilities 250 2.204
8. Liabilities on securities sold under repurchase agreement (repo) - -
9. Acceptance liabilities - -
10. Issued securities - -
11. Loans/financing received - -
12. Margin deposit 745 744
13. Interbranch liabilities - -
14. Other liabilities 49.000 42.843
TOTAL LIABILITIES 3.343.237 3.357.793
EQUITIES
15. Paid in capital
a. Capital 2.200.000 2.200.000
b. Unpaid capital -/- 1.462.227 1.462.227
c. Treasury stock -/- - -
16. Additional paid in capital
a. Agio 2.895.254 2.895.254
b. Disagio -/- - -
c. Fund for paid up capital - -
d. Others - -
17. Other comprehensive income
a. Gains 107.627 107.627
b. Losses -/- 1.260 1.260
18. Reserves
a. General reserves 20.000 20.000
b. Appropriated reserves - -
19. Gain/loss
a. Previous years (302.031) (380.785)
b. Current Year 13.056 78.755
c. Dividends paid -/- - -
TOTAL EQUITIES 3.470.419 3.457.364
TOTAL LIABILITIES AND EQUITIES 6.813.656 6.815.157
Page 3
PT BANK OF INDIA INDONESIA TBK
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
FOR THE PERIODS ENDED 31 MARCH 2025 AND 31 MARCH 2024
(In millions of rupiah)
No. ACCOUNTS 31 MAR 2025 31 MAR 2024
OPERATIONAL INCOME AND EXPENSES
A. Interest income and expenses
1. Interest income 104.706 91.863
2. Interest expenses 35.133 27.705
Net interest income (expenses) 69.573 64.158
B. Other operational income and expenses
1. Gains (losses) from increase (decrease) fair value on financial assets (162) 272
2. Gains (losses) from decrease (increase) fair value on financial liabilities - -
3. Gains (losses) on sale of financial assets - -
4. Gains (losses) on spot and derivatives/forward (realised) 526 (243)
5. Gains (losses) on investment under equity method - -
6. Gains (losses) from translation of foreign currency transactions (15) (30)
7. Dividend income - -
8. Commission/provision/fee and administration income 3.518 3.149
9. Other income 8.105 6.739
10. Impairment for financial assets 19.477 33.308
11. Losses on operational risk - -
12. Personnel expenses 14.862 14.112
13. Promotion expenses 231 82
14. Others expenses 28.018 16.673
Net Other Operational Income (Expenses) (50.616) (54.288)
OPERATIONAL PROFIT (LOSS) 18.957 9.870
NON OPERATIONAL INCOME AND EXPENSES
1. Gains (losses) on sale of fixed assets and equipment 130 51
2. Other non operational income (expenses) (2.349) (49)
NON OPERATIONAL PROFIT (LOSS) (2.219) 2
CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 16.738 9.872
Income tax
a. Estimated current year tax 3.682 2.172
b. Deferred tax income (expenses) - -
NET PROFIT (LOSS) AFTER TAX 13.056 7.700
OTHER COMPREHENSIVE INCOME
1. Items that will not be reclassified to profit or loss
a. Revaluation surplus of fixed assets - -
b. Gains (losses) from actuary benefit program
- -
c. Others - -
2. Items that will be reclassified to profit or loss
a. Gains (losses) arising from translation of financial statements in foreign currency
- -
b. Gains (losses) from changes in fair value of financial assets - debt instruments
measured through other comprehensive income - -
c. Others - -
OTHER COMPREHENSIVE INCOME FOR THE PERIOD AFTER INCOME TAX - -
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 13.056 7.700
Net Profit (Loss) Attributable To :
- Parent Entity 13.056 7.700
- Non-Controlling Interest
NET PROFIT (LOSS) FOR THE PERIOD 13.056 7.700
Total Comprehensive Profit (Loss) Attributable To :
- Parent Entity 13.056 7.700
- Non-Controlling Interest
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 13.056 7.700
PROFIT/LOSS TRANSFER TO HEAD OFFICE - -
DIVIDEND - -
EARNINGS PER SHARE (in full amount) 4 2
Page 4
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF COMMITMENTS & CONTINGENCIES
AS OF 31 MARCH 2025 AND 31 DECEMBER 2024
(In millions of rupiah)
No. ACCOUNTS 31 MAR 2025 31 DEC 2024
I. COMMITTED RECEIVABLES
1. Unused borrowings/financing facilities - -
2. Foreign currency positions to be received from spot and derivatives/forward transactions 142.250 554.473
3. Others 71.378 70.482
II. COMMITTED LIABILITIES
1. Unused credit/financing facilities
a. Committed - -
b. Uncommitted 260.342 220.195
2. Outstanding irrevocable letters of credit - -
3. Foreign currency positions to be submitted for spot and derivatives/forward transactions 67.018 337.995
4. Others - -
III. CONTINGENT RECEIVABLES
1. Received guarantees - -
2. Others 24.169 18.429
IV. CONTINGENT LIABILITIES
1. Issued guarantees 30.418 30.418
2. Others - -
Page 5
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF SPOT AND DERIVATIVE TRANSACTIONS
AS OF 31 MARCH 2025
(In millions of rupiah)
INDIVIDUAL
NO. TRANSACTIONS Notional Objectives Derivative Receivables and Payables
Amount Trading Hedging Receivables Payables
A. Related to Exchange Rate
1 Spot 123.253 - 123.253 88 30
2 Forward - - - - -
3 Option
a. Put - - - - -
b. Call - - - - -
4 Future - - - - -
5 Swap 86.112 - 86.112 - 220
6 Others - - - - -
B. Related to Interest Rate
1 Forward - - - - -
2 Option
a. Put - - - - -
b. Call - - - - -
3 Future - - - - -
4 Swap - - - - -
5 Others - - - - -
C. Others - - - - -
TOTAL 209.365 - 209.365 88 250
Page 6
PT BANK OF INDIA INDONESIA TBK
CALCULATION OF CAPITAL ADEQUACY RATIO / CAR
AS OF 31 MARCH 2025 AND 31 MARCH 2024
(In millions of rupiah)
CAPITAL COMPONENTS 31 MAR 2025 31 MAR 2024
I Core Capital (Tier 1) 3.371.282 3.300.108
1 Common Equity Tier 1 (CET 1) 3.371.282 3.300.108
1.1 1.1. Paid-in Capital (After the deduction of treasury stock) 737.773 737.773
1.2 1.2. Disclosed Reserves 2.658.986 2.589.792
1.2.1 Addition Factor 3.035.937 3.030.481
1.2.1.1 Other comprehensive income 107.627 107.627
1.2.1.1.1 Translation of financial statements in foreign currency - -
Unrealized gain on financial assets measured through other
1.2.1.1.2 - -
comprehensive income
1.2.1.1.3 Revaluation surplus of fixed assets 107.627 107.627
1.2.1.2 Other disclosed reserve 2.928.310 2.922.854
1.2.1.2.1 Agio / Disagio 2.895.254 2.895.154
1.2.1.2.2 General Reserves 20.000 20.000
1.2.1.2.3 Previous year's profit - -
1.2.1.2.4 Current year's profit 13.056 7.700
1.2.1.2.5 Fund for paid-in capital - -
1.2.1.2.6 Others - -
1.2.2 Deduction Factor (376.951) (440.689)
1.2.2.1 Other comprehensive income - -
1.2.2.1.1 Translation of financial statements in foreign currency - -
Unrealized loss on financial assets measured through other
1.2.2.1.2 - -
comprehensive account
1.2.2.2 Other disclosed reserve (376.951) (440.689)
1.2.2.2.1 Disagio - -
1.2.2.2.2 Previous year's losses (302.031) (380.785)
1.2.2.2.3 Current year's losses - -
Difference between allowance for possible losses and allowance for
1.2.2.2.4 - -
impairment losses on earning assets
Difference on the total of fair value adjustment from financial instruments in
1.2.2.2.5 - -
trading book
1.2.2.2.6 Allowance for losses on non productive assets required to be provided (74.920) (59.904)
1.2.2.2.7 Others - -
1.3 Non-controlling interest - -
1.4 Deduction Factor of Common Equity Tier 1 (25.477) (27.457)
1.4.1 Deferred tax (20.681) (23.326)
1.4.2 Goodwill - -
1.4.3 Other intangible assets (4.796) (4.131)
1.4.4 Investments in shares of stock - -
1.4.5 Shortage of capital on insurance subsidiary company - -
1.4.6 Securitisation Exposure - -
1.4.7 Other deduction factor of common equity tier 1 - -
Investments in Instruments issued by the other bank that meet the criteria
1.4.7.1
for inclusion in additional tier 1 and tier 2
Cross ownership of other entities obtained due to transfer because of law,
1.4.7.2 - -
grant, or bequest
2 Additional Tier 1 Capital (AT-1) - -
2.1 Instruments that meet the criteria of AT 1 - -
2.2 Agio / Disagio - -
2.3 Deduction factor - -
2.3.1 Investments in Instruments issued by the other bank that meet the criteria for inclusion
- -
in additional tier 1 and tier 2
2.3.2 Cross ownership of other entities obtained due to transfer because of law, grant, or
- -
bequest
Page 7
CALCULATION OF CAPITAL ADEQUACY RATIO / CAR
AS OF 31 MARCH 2025 AND 31 MARCH 2024
(In millions of rupiah)
CAPITAL COMPONENTS 31 MAR 2025 31 MAR 2024
II Tier 2 Capital 34.553 29.689
1 Instruments issued by the bank that meet the criteria for inclusion in
- -
tier 2 capital
2 Agio/disagio - -
3 General allowance for losses on earning assets (max. 1.25% from risk-weighted assets) 34.553 29.689
4 Deduction Factor of Tier 2 Capital - -
4.1 Sinking Fund - -
4.2 Investments in Instruments issued by the other bank that meet the criteria for inclusion in
- -
additional tier 2
4.3 Cross ownership of other entities obtained due to transfer because of law, grant, or bequest
- -
TOTAL CAPITAL 3.405.835 3.329.797
RISK-WEIGHTED ASSETS (RWAs)
RWAs CONSIDERING CREDIT RISK 3.804.258 3.432.967
RWAs CONSIDERING MARKET RISK - -
RWAs CONSIDERING OPERATIONAL RISK 218.466 191.181
TOTAL RISK-WEIGHTED ASSETS 4.022.724 3.624.148
Min. Capital Requirements Based on Risk Profile 9,99% 10,00%
REGULATORY MINIMUM CAPITAL REQUIREMENT ALLOCATION BASED
ON RISK PROFILE
From CET1 ( % ) 9,99% 10,00%
From AT1 ( % ) 0,00% 0,00%
From Tier 2 ( % ) 0,00% 0,00%
CAR RATIO
CET 1 Ratio (%) 83,81% 91,06%
Tier 1 Ratio (%) 83,81% 91,06%
Tier 2 Ratio (%) 0,86% 0,82%
CAR Ratio 84,66% 91,88%
CET 1 FOR BUFFER (%) 74,68% 81,06%
REGULATORY BUFFER PERCENTAGE REQUIRED BY BANK (%)
Capital Conservation Buffer (%) 0,00% 0,00%
Countercyclical Buffer (%) 0,00% 0,00%
Capital Surcharge for Systemic Bank (%) 0,00% 0,00%
Page 8
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF CASH FLOWS
AS OF 31 MARCH 2025 AND 31 MARCH 2024
(In millions of rupiah)
ACCOUNTS 31 MAR 2025 31 MAR 2024
CASH FLOWS FROM OPERATING ACTIVITIES
Receipt of interest income, fees and commissions 107.001 92.616
Other operating income 7.026 6.855
Payments of interest expenses, fees and commissions (34.593) (26.315)
Payments of post-employment benefits (14.218) (14.072)
Payment of general, administration, maintenance and repairs (8.899) (12.485)
Payment of tax expenses - -
Other non-operating income / (expense) - net (2.348) (50)
Operating Profit before changes in operating activities 53.969 46.549
Changes in operating assets and liabilities
Decrease / (Increase) in operating assets :
Loans (210.138) (95.679)
Other assets (29.292) (49.108)
Increase (decrease) in operating liabilities :
Obligations Due Immediately 1.111 1.180
Deposits (18.761) 140.402
Other liabilities (284) 1.014
Net cash provided by (used in) operating activities (203.395) 44.358
CASH FLOWS FROM INVESTING ACTIVITIES
Decrease (increase) in securities held until maturity 150.505 59.261
Proceeds from sale of fixed assets 130 -
Acquisitions of fixed assets and intangible assets (759) (261)
Decrease (Increase) in securities purchased under resale agreements 63.353 (307.909)
Net cash provided by investing activities 213.229 (248.909)
CASH FLOWS FROM FINANCING ACTIVITIES
Payment of lease liabilities (136) (124)
Stock issuance costs - -
Net cash provided by financing activities (136) (124)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 9.698 (204.675)
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR 275.651 437.800
Effect of foreign exchange rate changes (343) (30)
CASH AND CASH EQUIVALENTS AT END OF YEAR 285.006 233.095
SUPPLEMENTAL DISCLOSURES
Cash and cash equivalents consist of :
Cash 21.777 18.625
Current accounts with Bank Indonesia 175.935 176.395
Current accounts with other banks 6.888 7.075
Placements with Bank Indonesia and other banks - mature within 3
80.406 31.000
(three) months
Total cash and cash equivalents 285.006 233.095
Page 9
PT BANK OF INDIA INDONESIA TBK
FINANCIAL RATIOS CALCULATION
AS OF 31 MARCH 2025 AND 31 MARCH 2024
No. RATIO 31 MAR 2025 31 MAR 2024
I. Performance Ratio
1 Capital Adequacy Ratio (CAR) 84,66% 91,88%
2 Non performing earning assets and non earning assets to total 5,72% 6,19%
earning assets and non earning assets
3 Non perfoming earning assets to total earning assets 4,58% 4,57%
4 Allowance for impairment on financial assets to earning 2,15% 3,17%
assets
5 NPL gross 7,09% 7,09%
6 NPL net 4,15% 3,96%
7 Return on Asset (ROA) 0,99% 0,64%
8 Return on Equity (ROE) 1,54% 0,93%
9 Net Interest Margin (NIM) 4,34% 4,38%
10 Operating Expenses to Operating Income (BOPO) 85,52% 91,03%
11 Cost to Income Ratio (CIR) 45,76% 47,88%
12 Loan to Deposits Ratio (LDR) 132,72% 135,39%
II. Compliance
1 a. Percentage Violation of Legal Lending Limit
I. Related parties - -
II. Non related parties - -
b. Percentage Lending in excess of Legal Lending Limit
I. Related parties - -
II. Non related parties - -
2 Reserve Requirement
a. Primary Reserve Requirement (Rupiah) 5,63% 7,51%
b. Reserve Requirement (Foreign currencies) 4,11% 4,08%
3 Net Open Position 0,28% 0,05%
Page 10
EARNING ASSETS QUALITY AND OTHER INFORMATION
BANK : PT BANK OF INDIA INDONESIA TBK
DATE OF REPORT : 31 MARCH 2025 AND 31 MARCH 2024
(In millions of Rupiah)
INDIVIDUAL
No. ACCOUNTS 31 MARCH 2025 31 MARCH 2024
L DPK KL D M Total L DPK KL D M Total
I. RELATED PARTIES
1. Placement with other banks 42.699 - - - - 42.699 1.156 - - - - 1.156
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies 42.699 - - - - 42.699 1.156 - - - - 1.156
2. Spot and derivative/forward receivables - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
3. Securities - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Claims on securities bought under reverse repo - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables - - - - - - - - - - - -
7. Loans and financing 66 - - - - 66 13 - - - - 13
a. Micro, small and medium enterprises (UMKM) - - - - - - - - - - - -
i. Rupiah - - - - - - - - - - - -
ii.. Foreign currencies - - - - - - - - - - - -
b. Non micro, small and medium enterprises (non UMKM) 66 - - - - 66 13 - - - - 13
i. Rupiah 66 - - - - 66 13 - - - - 13
ii.. Foreign currencies - - - - - - - - - - -
c. Restructured loans - - - - - - - - - - - -
i. Rupiah - - - - - - - - - - - -
ii.. Foreign currencies - - - - - - - - - - - -
8. Equity investment - - - - - - - - - - - -
9. Other receivables* - - - - - - - - - - - -
10. Commitments and contingencies - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
Page 11
EARNING ASSETS QUALITY AND OTHER INFORMATION
BANK : PT BANK OF INDIA INDONESIA TBK
DATE OF REPORT : 31 MARCH 2025 AND 31 MARCH 2024
(In millions of Rupiah)
INDIVIDUAL
No. ACCOUNTS 31 MARCH 2025 31 MARCH 2024
L DPK KL D M Total L DPK KL D M Total
II NON RELATED PARTIES
1. Placement with other banks 15.624 - - - - 15.624 5.919 - - - - 5.919
a. Rupiah 11.053 - - - - 11.053 1.550 - - - - 1.550
b. Foreign currencies 4.571 - - - - 4.571 4.369 - - - - 4.369
2. Spot and derivative/forward receivables 88 - - - - 88 320 - - - - 320
a. Rupiah 88 - - - - 88 320 - - - - 320
b. Foreign currencies - - - - - - - - - - - -
3. Securities 1.812.235 - - - - 1.812.235 1.054.482 - - - - 1.054.482
a. Rupiah 1.812.235 - - - 1.812.235 1.054.482 - - - - 1.054.482
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Claims on securities bought under reverse repo 203.092 - - - - 203.092 1.027.101 - - - - 1.027.101
a. Rupiah 203.092 - - - - 203.092 1.027.101 - - - - 1.027.101
b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables - - - - - - 2.119 - - - - 2.119
7. Loans and financing 3.858.923 202.081 2.125 51.517 256.036 4.370.682 3.297.272 276.622 78.631 33.953 160.134 3.846.612
a. Micro, small and medium enterprises (UMKM) 454.712 16.949 2.125 30.399 - 504.185 447.631 16.020 1.800 1.420 - 466.871
i. Rupiah 449.173 16.949 2.125 30.399 - 498.646 440.058 13.987 1.800 1.420 - 457.265
ii.. Foreign currencies 5.539 - - - - 5.539 7.573 2.033 - - - 9.606
b. Non micro, small and medium enterprises (non UMKM) 3.404.211 185.132 - 21.118 256.036 3.866.497 2.849.641 260.602 76.831 32.533 160.134 3.379.741
i. Rupiah 2.854.926 185.132 - 11.141 19.800 3.070.999 2.525.021 123.773 - 32.533 104.669 2.785.996
ii.. Foreign currencies 549.285 - - 9.977 236.236 795.498 324.620 136.829 76.831 - 55.465 593.745
c. Restructured loans 58 87.143 - 18.752 242.236 348.189 9.480 167.473 76.831 32.628 156.634 443.046
i. Rupiah 58 87.143 - 8.775 6.000 101.976 9.480 28.611 - 32.628 101.169 171.888
ii.. Foreign currencies - - - 9.977 236.236 246.213 - 138.862 76.831 - 55.465 271.158
8. Equity investment - - - - - - - - - - - -
9. Other receivables* - - - - - - - - - - - -
10. Commitments and contingencies 290.754 6 - - - 290.760 394.663 24 - - 555 395.242
a. Rupiah 266.910 6 - - - 266.916 381.422 24 - - - 381.446
b. Foreign currencies 23.844 - - - - 23.844 13.241 - - - 555 13.796
III OTHER INFORMATION
1. Value of bank's assets pledge as collateral : - -
a. To Bank Indonesia - -
b. To Other Parties - -
2. Foreclosed assets 81.727 128.874
Page 12
PT BANK OF INDIA INDONESIA TBK
ALLOWANCE FOR IMPAIRMENTS LOSSES ON EARNINGS ASSETS
AS OF 31 MARCH 2025 AND 31 MARCH 2024
(In millions of Rupiah)
31 MARCH 2025 31 MARCH 2024
Calculate Allowance Calculate Allowance
No. ACCOUNTS Allowance for Impairment for Possible Allowance for Impairment for Possible
Losses on Earning Assets Losses on Earning Assets
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific
1. Placement with other banks - - - 583 - - - - 71 -
2. Spot and derivative/forward receivables - - - 1 - - - - 3 -
3. Securities - - - 370 - - - - 370 -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - -
5. Claims on securities bought under reverse repo - - - - - - - - - -
6. Acceptance receivables - - - - - - - - 21 -
7. Loans and financing 7.817 3.200 128.359 33.304 102.050 34.863 46.480 120.397 28.909 128.576
8. Equity investment - - - - - - - - -
9. Other receivables* - - - - - - - - - -
10. Commitments and Contingencies 105 - - 294 - 30 - - 315 556
*) Among others, it consists of unaccepted sight L/C or usance LC receivables, purchased/overwritten traveler's checks, advances to customers, inkaso receivables, bailouts in the framework of government programs.
Page 13
BANK MANAGEMENT
Board of Commissioners:
President Commissioner : Sudhiranjan Padhi
Independent Commissioner : Handadjaja Sulaiman
Independent Commissioner : Lungguk Gultom
Directors:
President Director : Jayaprakash Bharathan
Business Director : Chandra Sekhar Mukherjee
Operation Director : Carolina Dina Rusdiana
Finance Director : Rahmat Hendratama
Compliance Director : Dennis Kusuma Halim
SHAREHOLDERS
Controlling Shareholders (PSP):
- Bank of India 90,96%
Non-controlling shareholders through capital market (≥ 5%):
Nil -
Non-controlling shareholders not through the capital market (≥ 5%):
Nil -
Other Shareholders:
- Public (each Shareholding ≤ 5%) 9,04%
BANK OF INDIA SHAREHOLDERS
Indian Government 73,38%
Public 26,62%
Page 14
Notes:
● The publication report is presented to fulfill the following conditions:
1. Financial Services Authority Regulation Number 37/POJK.03/2019 dated 19 December 2019 regarding Transparency and Publication of Bank
Reports.
2. Financial Services Authority Circular Letter Number 9/SEOJK.03/2020 dated 30 June 2020 concerning Transparency and Publication of Conventional
Commercial Bank's Reports.
3. Financial Services Authority Regulation Number 14 / POJK.04/2022 dated 22 August 2022 concerning Submission of Periodic Financial Reports of
Issuers or Public Companies.
4. Regulation No. VIII.G.7 which is an attachment to the Decree of the Chairman of the Capital Market and Financial Institution Supervisory Agency
(“Bapepam-LK”) No. KEP-347/BL/2012 dated 25 June 2012 regarding Presentation and Disclosure of Financial Statements of Issuers or Public
Companies.
● Exchange rate March 27, 2025 1 USD = Rp16,560.00,-
Exchange rate March 28, 2024 1 USD = Rp15,855.00,-
Exchange rate December 31, 2024 1 USD = Rp16,095.00,-
Jakarta, April 29th, 2025
S.E., & O
PT Bank of India Indonesia Tbk
BOARD OF DIRECTORS
Jayaprakash Bharathan Rahmat Hendratama
President Director Finance Director
PT Bank of India Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia, and a member of Indonesia Deposit
Insurance Corporation (Lembaga Penjamin Simpanan/LPS)
Names mentioned 17 people and organisations named in the text · linked when the evidence is strong
unresolved
person
K.H. Samanhudi
p.1
unresolved
person
H. Zainul Arifin
p.1
unresolved
org
Bank Indonesia
p.2 ×6
unresolved
org
Financial Services Authority
p.14 ×4
unresolved
org
Bapepam-LK
p.14 ×2
unresolved
org
India Indonesia Tbk
p.14 ×2
unresolved
org
Indonesia Deposit Insurance Corporation
p.14
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