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Corporate Presentation 1Q2025 PT. Bank Negara Indonesia (Persero) Tbk Investor Relations Jakarta, 28 April 2025
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◎ Management Highlights 03
◎ Macroeconomic Highlights 11
◎ Financial Highlights 14
Highlighted Results 15
Balance Sheet Highlight 17
Profit or Loss 18
Loan Composition 19
Loan Disbursement 1Q-2025 20
Third Party Fund 21
Table of Contents Liquidity (LCR, NSFR & LDR Ratios)
Fee Based Income (FBI)
Operating Expense (OPEX)
22
23
24
◎ Asset Quality 25
Loan at Risk 26
LAR by Segment, Write Off & Recovery 27
NPL Formation & Write off Vintage 28
Sufficient Provisioning in line with risk appetite 29
LAR, NPL & Provision Coverage trend 30
◎ Digital Initiatives 31
◎ Business & Consumer Banking 38
◎ ESG 41
◎ About BNI 51
◎ 5 Years Financial Data 63
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BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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Management Highlights BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 3
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
New leadership team to spearhead BNI’s next transformation phase
AGMS, 26 March 2025 has approved…
“the transformation has been progressing well, and the new management will
continue it with strong focus on execution aspect…”
Putrama Wahju Setyawan*
President Director
Right mix of skill and experience of new management team brings fresh perspective in accelerating the bank's transformation
Alexandra Askandar* Rian Eriana Kaslan*
Newly appointed as Network and Retail Funding Director
Newly Appointed as Deputy President Director
Formerly served as SEVP of Retail and Digital Solutions with
Previously was Deputy President Director of Bank Mandiri experiences in digital banking, corporate strategy and wealth
with extensive track record in the corporate and management
institutional banking
Abu Santosa Sudradjat*
Eko Setyo Nugroho* Muhammad Iqbal*
Newly Appointed as Treasury &
Newly appointed as Institutional Newly Appointed as Commercial International Banking Director
Banking Director Banking Director Long experience in managing
Returns to the bank with a strong Returns to the bank with a strong international network and treasury
blend of operational depth and track record in SME, retail funding, business
international banking experience. and institutional banking.
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) *Waiting for Fit & Proper Test from OJK 4
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Navigating global headwinds: Indonesia’s resilient growth outlook
Stronger indirect impact from
Limited direct impact from US to Indonesia
other countries
Sensitivity to Indonesia’s growth for every
Sensitivity to Indonesia’s growth for every
1% growth change in the US (bps)
1% growth change in Peers (bps)
6 bps Export growth contributes 17 bps China contributes 24% to
~20% to Indonesia’s GDP, Indonesia’s exports, 31%
with Export to the US 11 bps to imports, and 27% to
accounting for ~10% of total Foreign Direct
5 bps exports. 5bps 4 bps Investment (FDI).
3 bps 3 bps
Lower Bound Upper Bound China Japan EU
Lower Bound Upper Bound
Source: CEIC, BNI OCE Source: CEIC, BNI OCE
Moderate Indonesia’s
Currency volatility is increasing
GDP growth expectation
Exchange Rate Performance YTD 2025 (%)
5.31%
Japan 9.2
EU 8.8
South Korea 2.6 5.05% 5.03%
ASEAN Average 1 5.00%
India 0.1
China 0.1
Indonesia -4.9
Turkey -8.3
DXY* -8.3 Data as of 24 Apr 25 2022 2023 2024 2025F
Argentina -12.8 *Positive DXY means appreciation
Real GDP growth (% YoY)
Source: Bloomberg Source: CEIC, BNI OCE
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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
Prudent stance focusing on business resiliency
Conservative growth strategy … with improvement in loan book
bears fruit RWA density
CAGR Dec’20 – Mar’25
11.9%
11.1%
81.6% 81.0%
7.9%
76.5%
73.1%
70.4% 70.1%
-0.7%
-3.2%
Consumer Corporate Consolidated Medium Small
Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Mar-25
RWA density for loan (%)
and supported by sufficient provisioning, Capital Ratios are Well Above
higher than peers Minimum Requirement (Bank Only)
22.3%* Regulatory Requirement
Mar-25 2.5%
Stage (Capital Conservation
(bank only) Amount Tier 2 Capital 1.4%
LLR % Buffer)
(IDR Tn)
13.95%
5.2%
4.2% Stage 1 661.6 0.6% Min. CAR based 1.5%
on Risk Profile (Capital Surcharge
Stage 2 63.0 26.3% Tier 1 Capital on Systemic Bank)
20.9% + add buffers
Stage 3 25.8 69.3% 9.95%
(CAR based on Risk
Avg peers BNI All Stage 750.4 5.2% Profile)
Mar-25
Loan loss reserve to loan (%) as of Feb 25 (peers) and Mar 25 (BNI)
*Pre-dividend CAR ; post-dividend CAR declined by 196 bps
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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 liquidity resilience: balancing growth & risk mitigation
Favorable SRBI yield trend during 1Q25
System M2 growth rate has yet to recover
starts to reverse course
14.1 7.50 7.45 7.34
11.5 7.18 7.21 7.25
13.3 7.09
6.93 6.99
6.87 6.90
10.7 7.8 191
7.2 6.69
9.1 8.4 6.5 167
8.2 6.46
7.1 6.42
6.2 6.1 7.2 104
5.7 98 85
4.8 80 82
3.5 58 46
26 37 36 28 16
2021 2022 2023 2024 2025
Jan-21 Jan-22 Jan-23 Jan-24 Jan-25
Mar-24 Apr-24 May-24 Jun-24 Jul-24 Aug-24 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25
M2 (YoY %) SRBI monthly auctioned amount (IDR Tn) SRBI 1Y rate (%)
Turning more conservative
… consequently, CoF remained elevated
for liquidity management
96.1% 300bps 2.79%
93.1%
2.75%
2.72%
85.8% 2.65% CoF increased on a
84.2% 2.60%
quarterly basis, while
showing a 4bps
improvement YoY.
Dec-22 Dec-23 Dec-24 Mar-25 1Q24 2Q24 3Q24 4Q24 1Q25
LDR (%) – Bank Only Cost of Third Party Fund (%) – Bank Only
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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
Steady Core Performance Amid Macro Uncertainty
NII growth supported by Loan Non Interest Income performance
and Savings deposit expansion was lagging
NII, Loan, and Savings Growth Mar-25 YoY
4.0 1.2
3.9 1.1
10.1% 10.2%
4.7%
1Q24 1Q25 1Q24 1Q25
NII Loan Savings Fee Income (IDR Tn) Loan recovery (IDR Tn)
Asset quality remained sound Defensive PPOP & EAT
8.3 5.4
2.04% 1.0% 8.2 5.3
0.9%
1.96%
Mar-24 Mar-25 1Q24 1Q25 1Q24 1Q25
1Q24 1Q25
NPL ratio (%) CoC ratio (%) PPOP (IDR Tn) EAT (IDR Tn)
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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
Digital Transformation: Reshaping Our Deposit Base for the Future
Wholesale segment transaction banking Retail segment transaction banking
BNIdirect transactions contribute to strengthening Solid trend of wondr apps user adoption translated to
low-cost Current Accounts solid Savings deposit trend
# of Users (in 000) # of Transactions (in Mn) # of Users wondr (in Mn) Transaction frequency (in Mn)
7.2% 16.4% 57.5%
YoY YoY YoY
501
6.8
318 218
337 6.3
175 188 290
5.8 318 283
5.3
Mar-24 Mar-25 1Q24 1Q25 Dec-24 Jan-25 Feb-25 Mar-25 1Q24 1Q25
Resulted in…
Resulted in…
Current Account
balance grew by
+3.4% Current Account
CoF improved by
-20bps Savings deposits
grew by
+10.2%
YoY YoY YoY
Coming in Q2 2025
kicked off 2025 with fresh new features in
1Q — built to match what customers want
and designed to keep them coming back…
482
17.8
Launching BNIdirect bisnis platform exclusively for SME segment capability:
New UI and UX: Simpler, Ease Transaction Personalized Investment
Faster, and More
Real-Time Cash
Visibility Journey
Single
authorization Product Product Option
305Online to Offline
Experience
Lifestyle Needs
(concert, travel &
Personal Management transportation)
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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
Q1 on target | July guidance review pending macro developments
FY25 Original Aspiration 1Q25 Results
Loan
Growth 8.0 - 10.0% 10.1%
(% YoY)
Net
Interest 4.0 - 4.2% 3.94%
Margin
bank only
Credit
Cost ± 1.0% 0.9%
bank only
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 10
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Macroeconomic Highlights BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 11
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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
CCI declined by 5 points Retail sales was weak
during Eid period in Mar-2025 in the first three months of 2025
Foreign Portfolio Flows (USD bn)
8
6
4
2
0
-2 (1.2)
-4
-6
Jun-22
Oct-22
Jun-23
Oct-23
Jun-24
Oct-24
Apr-25
Aug-22
Dec-23
Feb-22
Apr-22
Feb-23
Apr-23
Aug-23
Feb-24
Apr-24
Aug-24
Feb-25
Dec-22
Dec-24
Equity Govt Bonds SRBI Total Net Flows
Consumer goods imports also contracted
Excluding gold price effect,
one month prior Eid, partly reflecting
a moderate domestic demand the core inflation remained muted at <2%
Consumer Goods Imports (YoY %, 3mma) Core Inflation Comparison (% YoY)
70%
2.60 2.48 2.48
60% 2.36
2.40
50% 2.21 2.26 2.26
40% 2.20
2.00 2.06
30% 2.00
20% 1.77 1.75 1.79 1.81 1.78
1.80
1.62 1.59 1.64 1.62 1.67 1.68 1.70
10%
1.60
0%
-10% 1.40
-4.6%
-20% 1.20
-30% 1.00
Feb-19
Feb-20
Feb-21
Feb-22
Feb-23
Feb-24
Aug-24
Feb-25
Aug-18
Nov-18
May-19
Aug-19
Nov-19
May-20
Aug-20
Nov-20
May-21
Aug-21
Nov-21
May-22
Aug-22
Nov-22
May-23
Aug-23
Nov-23
May-24
Nov-24
Core Core Non-Gold
Dec-23 Mar-24 Jun-24 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Domestic economic growth is projected to gain momentum in 2H25 post budget reallocation
Government expenditure & private consumption are The fiscal room from efficiency measure would
expected to be the GDP growth drivers in 2025 be used to finance the govt’s priority programs
BNI’s Forecast 2023 2024F 2025F • Food independence within 4-5 years
• Ready to be the World’s Food Barn
Food Security
Economic growth (%) 5.0 5.0 5.0 (Swasembada Pangan)
Private Consumption
4.8 4.9 5.0
(%) • Using plant (i.e., palm oil) as energy
Govt. Expenditure (%) 4.4 5.7 5.7 substitution => B-40, B-50, etc.
Energy Security • Utilizing geothermal, hydropower
(Swasembada Energi)
Real Investment (%) 4.4 4.5 4.8
• Expanding natural resource downstream to
agro-downstream
Natural Resource
The government conducted massive budget Downstream
efficiency amounting Rp307tn
Spending Efficiency Plan • Providing healthy food for students and
pregnant mothers
Free Healthy Food /
Items Rp tn Free Lunch
Ministry-Institutions 256.1 • Revisit subsidy schemes; plan to shift from
price-based subsidies to targeted
Regional Transfers 50.6 subsidies
Poverty Alleviation, Revisit • Using technology to identify subsidy and
Total Spending Efficiency 306.7 Subsidy Schemes social aid recipients
Source: MoF, BPS, CEIC, BNI OCE
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Financial Highlights
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BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Resilient 1Q while stay focused on quality growth
Highlighted Results (IDR Bn) 1Q24 1Q25 YoY (%) 1Q24 2Q24 3Q24 4Q24 1Q25 QoQ (%)
Total Asset 1,066,715 1,146,583 7.5 1,066,715 1,072,454 1,068,080 1,129,806 1,146,683 1.5
Loan 695,162 765,469 10.1 695,162 726,977 735,018 775,872 765,469 -1.3
Third Party Funds 780,230 819,580 5.0 780,230 772,319 769,739 805,511 819,580 1.7
B/S CASA 543,504 577,807 6.3 543,504 545,691 541,194 563,278 577,807 2.6
[Consolidated]
Current Account 309,546 319,983 3.4 309,546 305,133 302,260 305,734 319,983 4.7
Savings Account 233,958 257,824 10.2 233,958 240,558 238,934 257,544 257,824 0.1
Time Deposit 236,726 241,774 2.1 236,726 226,628 228,545 242,233 241,774 -0.2
Net Interest Income 9,390 9,834 4.7 9,390 9,681 10,367 11,042 9,834 -10.9
Interest Income 15,875 16,713 5.3 15,875 16,298 16,663 17,747 16,713 -5.8
Interest Expense (6,485) (6,879) 6.1 (6,485) (6,617) (6,296) (6,705) (6,879) 2.6
P&L
Non Interest Income 5,440 5,414 -0.5 5,440 5,485 5,913 7,198 5,414 -24.8
OPEX (6,649) (6,937) 4.3 (6,649) (6,905) (7,434) (8,700) (6,937) -20.3
[Consolidated]
PPOP 8,181 8,312 1.6 8,181 8,261 8,845 9,540 8,312 -12.9
Provisioning Charges (1,744) (1,760) 0.9 (1,744) (1,767) (1,878) (2,822) (1,760) -37.6
Net Profit 5,326 5,380 1.0 5,326 5,365 5,617 5,155 5,380 4.4
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Key ratios
Highlighted Results (%) 1Q24 1Q25 YoY (%) 1Q24 2Q24 3Q24 4Q24 1Q25 QoQ (%)
CASA Ratio (Consolidated) 69.7 70.5 0.8 69.7 70.7 70.3 69.9 70.5 0.6
CoF (Third Party Funds) 2.8 2.8 -0.04 2.8 2.7 2.6 2.7 2.8 0.06
Profitability & NIM 4.0 3.9 -0.07 4.0 4.0 4.4 4.5 3.9 -0.55
Efficiency ROAE* 14.5 13.3 -1.2 14.5 14.7 14.9 12.9 13.3 0.4
[Bank Only]
Pre-tax ROAA 2.5 2.4 -0.1 2.5 2.4 2.7 2.4 2.4 -
CIR 43.2 43.8 0.6 43.2 44.3 44.0 46.6 43.8 -2.8
LAR 13.3 10.9 -2.4 13.3 12.3 11.8 10.3 10.9 0.6
NPL (Gross) 2.0 2.0 -0.08 2.0 2.0 2.0 2.0 2.0 -0.01
Asset Quality Credit Cost 1.0 0.9 -0.1 1.0 1.0 1.0 1.5 0.9 -0.6
[Bank Only]
LAR Coverage Ratio 50.4 47.3 -3.1 50.4 47.9 47.4 48.8 47.3 -1.5
NPL Coverage Ratio 330.2 263.1 -67.1 330.2 298.2 284.2 255.8 263.1 7.3
LDR 89.0 93.1 4.1 89.0 94.0 95.3 96.1 93.1 -3.0
Liquidity LCR 176.0 150.9 -25.1 176.0 160.8 160.3 155.9 150.9 -5.0
[Bank Only]
NSFR 139.1 137.8 -1.3 139.1 137.2 136.6 132.5 137.8 5.3
Tier-1 CAR** 18.9 20.9 2.0 18.9 19.1 20.3 20.0 20.9 0.9
Capital
[Bank Only] Total CAR** 20.5 22.3 1.8 20.5 20.7 21.8 21.4 22.3 0.9
*ROAE with average total equity as denominator ; 14.7% in 1Q25 if the denominator is Tier 1 Capital as reported to OJK
**pre-dividend CAR 1Q25; post-dividend CAR 1Q25 declined by 200bps
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Loan expansion driven by savings deposit
Growth - %
Consolidated Balance Sheet (IDR Bn) Mar-24 Jun-24 Sep-24 Dec-24 Mar-25
QoQ YoY
Total Assets 1,066,715 1,072,454 1,068,080 1,129,806 1,146,583 1.5 7.5
Placement with other banks & BI 29,921 19,043 15,076 17,076 26,516 55.3 -11.4
Current Account with Bank Indonesia 52,699 49.873 43,101 51,669 43,169 -16.5 -18.1
Marketable Securities [market value] 41,238 40,433 42,246 48,534 51,968 7.1 26.0
Government Bonds [market value] 131,033 132,496 130,287 132,072 134,026 1.5 2.3
Loans (gross) 695,162 726,977 735,018 775,872 765,469 -1.3 10.1
Third Party Funds 780,230 772,319 769,739 805,511 819,580 1.7 5.0
CASA 543,504 545,691 541,194 563,278 577,807 2.6 6.3
• Current Account 309,546 305,133 302,260 305,734 319,983 4.7 3.4
• Saving Account 233,958 240,558 238,934 257,544 257,824 0.1 10.2
Time Deposits 236,726 226,628 228,545 242,233 241,774 -0.2 2.1
Deposits from other Banks 12,825 18,150 13,877 18,548 14,007 -24.5 9.2
Marketable Securities Issued 22,348 31,104 29,144 30,674 31,435 2.5 40.7
Borrowings 31,256 32,736 34,995 42,931 38,846 -9.5 24.3
Shareholders’ Equity 149,702 154,072 162,170 167,187 173,014 3.5 15.6
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
NII recovery offsets fee income softness
Consolidated Profit & Loss (IDR Bn) 1Q24 1Q25 YoY (%) 1Q24 2Q24 3Q24 4Q24 1Q25 QoQ (%)
Interest Income 15,875 16,713 5.3 15,875 16,298 16,663 17,747 16,713 -5.8
Interest Expense (6,485) (6,879) 6.1 (6,485) (6,617) (6,296) (6,705) (6,879) 2.6
Net Interest Income 9,390 9,834 4.7 9,390 9,681 10,367 11,042 9,834 -10.9
Insurance & Premium Income Net 373 334 -10.5 373 413 428 509 334 -34.4
Fee income 3,913 4,014 2.6 3,913 3,840 4,001 4,532 4,014 -11.4
Recovery 1,154 1,067 -7.5 1,154 1,231 1,483 2,157 1,067 -50.5
Operating Income 14,830 15,249 2.8 14,830 15,166 16,279 18,240 15,249 -16.4
Operating Expense (6,649) (6,937) 4.3 (6,649) (6,905) (7,434) (8,700) (6,937) -20.3
Pre-Provision Income (PPOP) 8,181 8,312 1.6 8,181 8,261 8,845 9,540 8,312 -12.9
Provisioning Charges (1,744) (1,760) 0.9 (1,744) (1,767) (1,878) (2,822) (1,760) -37.6
Non-Operational Inc/(Exp) - (33) - - - (33) (2) (33) -
Net Income before Tax 6,437 6,519 1.3 6,437 6,494 6,934 6,716 6,519 -2.9
Net Income 5,326 5,380 1.0 5,326 5,365 5,617 5,155 5,380 4.4
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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 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25
QoQ YoY
Segment 1Q24 2Q24 3Q24 4Q24 FY24 1Q24 1Q25
Corporate 373.7 401.8 408.0 439.8 433.4 -1.4% 16.0%
Corp. Private Blended Loan 7.5 7.4 7.7 7.9 7.7 7.5 7.4
271.0 290.3 294.5 326.0 317.1 -2.7% 17.0%
& Institutions
Corporate Corporate 6.9 6.8 7.1 7.1 7.0 6.9 6.7
102.7 111.5 113.5 113.8 116.3 2.2% 13.3%
SOE
Medium 7.7 7.7 7.7 7.5 7.7 7.7 7.3
Business Banking
Medium 99.8 99.0 97.6 101.6 96.5 -5.0% -3.3%
Small 9.3 9.2 9.4 11.3 9.8 9.3 9.6
Enterprise 51.7 50.3 47.9 49.4 47.1 -4.7% -8.9%
Consumer 7.9 8.1 8.6 8.9 8.4 7.9 8.4
Commercial 48.1 48.8 49.7 52.2 49.4 -5.4% 2.6%
IDR Yield 7.9 7.8 8.0 8.5 8.1 7.9 7.8
Small 82.3 80.0 77.3 75.8 73.7 -2.7% -10.4% FX Yield 6.1 6.0 6.5 6.0 6.1 6.1 5.8
Govt Subs
41.7 39.4 36.6 33.2 30.7 -7.4% -26.3%
Loan (KUR)
SME Non-KUR 40.6 40.6 40.7 42.6 43.0 0.9% 6.1%
Loan Composition (IDR Tn)
Subtotal 555.8 580.8 582.9 617.2 603.6 -2.2% 8.6%
Mortgage 60.1 62.2 63.8 66.5 67.6 1.7% 12.5% 695.2 727.0 735.0 775.9 765.5
Consumer
Personal Loan 59.3
120.0% 900.0
52.1 53.8 55.9 58.0 2.2% 13.7%
100.0%
1.6% 1.9% 2.1% 2.1% 2.2% 8 00.0
Credit Card 14.2 14.4 14.6 15.0 14.9 -0.4% 5.2% 18.4% 18.3% 18.6% 18.4% 18.9% 700.0
11.0% 9.8%
80.0%
Others 1.8 2.3 2.7 3.0 3.1 2.0% 70.0% 11.8% 10.5% 9.6%
12.9% 12.6%
600.0
60.0%
14.2% 13.4% 13.1%
Subtotal 128.2 132.7 137.0 142.5 144.9 1.7% 13.0%
500.0
40.0%
400.0
Subsidiaries 11.2 13.5 15.1 16.2 16.9 4.5% 51.2% 20.0%
53.9% 55.4% 55.7% 56.8% 56.6%
300.0
Total Consolidated 695.2 727.0 735.0 775.9 765.5 -1.3% 10.1%
0.0% 200.0
Mar-24 Jun-24 Sep-24 Dec-24 Mar-25
Working Capital 391.6 417.9 423.2 451.8 437.2 -3.2% 11.7%
Subsidiaries Consumer Small Medium Corporate
Investment Loan 171.9 172.2 170.3 177.1 178.6 0.9% 3.9%
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Rp98.8 trillion loan disbursed in 1Q25, driven by top tier clients
QoQ Loan Movement (IDR Tn) – Bank Only Top 3 Industries Contributing to QoQ Loan Growth in Mar-25
98.8 107.1 2.8 Outstanding Increase (IDR Tn) Quarter-on-Quarter %
Corporate : 54.8 Tn
Medium : 11.5Tn Business Services 6%
2.5
Enterprise : 4.5Tn
761.6 Commercial : 7.0Tn 750.4 Infrastructure 1.9 4%
Small : 11.4 Tn
Consumer : 21.1 Tn corporate Electricity, Gas & Water 1.5 5%
Dec-24 Disbursement Install/Paid-Off Write-Off Mar-25
YoY Loan Movement (IDR Tn) – Bank only Top 3 Industries Contributing to YoY Loan Growth in Mar-25
352.1 Outstanding Increase (IDR Tn) %
434.1 17.5 Year-on-Year
Social Services 21.8 128%
Corporate : 274.9Tn
Natural Resources 11.1 32%
Medium : 59.2Tn
Enterprise : 22.5Tn 750.4
686.0 corporate Manufacturing 10.7 10%
Commercial : 36.7n
Small : 34.9Tn
Consumer : 65.0Tn
Mar-24 Disbursement Install/Paid-Off Write-Off Mar-25
20
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 Volatile Markets
Savings Deposit +10.2% YoY Third Party Funds Composition
Growth - % 120.0%
(IDR Tn)
Segment Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 780.2 772.3 769.7 805.5 819.6
QoQ YoY 100.0%
CASA 543.5 545.7 541.2 563.3 577.8 2.6 6.3 80.0%
30.3% 29.3% 29.7% 30.1% 29.5%
Current Account 309.5 305.1 302.3 305.7 320.0 4.7 3.4
30.0% 31.1% 31.0% 31.5%
60.0%
32.0%
Saving Account 234.0 240.6 238.9 257.5 257.8 0.1 10.2 40.0%
Time Deposit 236.7 226.6 228.5 242.2 241.8 -0.2 2.1 20.0%
39.7% 39.5% 39.3% 38.0% 39.0%
Third Party Funds 780.2 772.3 769.7 805.5 819.6 1.7 5.0 0.0% 0
Mar-24 Jun-24 Sep-24 Dec-24 Mar-25
CASA Ratio* 69.7% 70.7% 70.3% 69.9% 70.5% 0.6 0.8
Current Account Saving Account Time Deposit
*Consolidated
Cost of Third-Party Funds (%) – Bank Only Sticky CASA strategy focusing on transaction
The new mobile
5.13 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 reliable
2.47 2.54 2.60
~70% ~90%
2.35 2.35 2.25
2.07 2.82
1.75 1.87 2.48 2.53 2.62
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 comes from wondr 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 users BNIdirect users
(SSO), providing an
1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 easier banking
As of Mar-25 experience for
Current Account Saving Account Time Deposits Cost Of Third Party Fund corporate customers.
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BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
LCR and NSFR well above regulatory requirement (bank only)
Short-Term Obligations Have Been Well Covered..... .... As Well As for Supporting Long-Term Assets
250.1%
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%
140.0% 139.1% 137.2% 136.6% 137.8%
136.0% 133.4% 132.5%
126.1% 124.2%
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
LCR (Liquidity Coverage Ratio) NSFR (Net Stable Funding Ratio)
LDR is Also Manageable, Well Within Regulatory Framework
112.6%
103.9%
101.6%
100.5%
96.7% 96.2% 96.1%
92.4% 92.3% 91.9% 94.1% 95.1%
91.5% 92.8% 92.3% 90.9% 94.0%
92.1% 91.2% 95.3% 94.9% 93.1%
88.7% 93.9% 88.4% 89.7% 90.1% 89.5% 93.3%
87.2% 88.1% 87.7% 87.4% 88.8% 95.0% 92.6%
91.4% 90.1% 86.3% 85.3% 85.2% 84.2%
87.8% 89.8% 89.0%
87.6% 83.1% 86.3% 86.2% 85.9% 85.8% 88.5%
85.4% 85.2% 85.8% 87.0%
85.1% 79.7%
80.9% 85.1% 82.0% 82.5%
76.9% 77.5% 76.9% 75.2%
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
IDR FX Blended
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BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
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
Fee Income 1Q24 2Q24 3Q24 4Q24 1Q25 QoQ % YoY %
Consumer Banking 1,717 1,718 1,802 1,931 1,754 -9.2 2.1 4,170 3,815 3,776 3,925 4,275 3,815 3,874
471 588
Account Maintenance 529 541 545 607 534 -12.1 0.9 424 488 424 470
696 467
797
724 803 797 724 830
ATM & e-Channel 369 379 389 411 401 -2.4 8.8
Debit Card Maintenance 135 132 125 119 122 2.7 -9.5
3,003 2,667 2,890
2,506 2,640 2,667 2,574
PPOB & Billpayment 83 80 131 89 85 -4.9 1.3
Remittance 65 68 74 79 72 -9.1 9.8
Card Business, Bancass, etc -13.6 0.9 4Q23 1Q24 2Q24 3Q24 4Q24 1Q24 1Q25
536 518 538 626 541
Other Fee Income Trading Activities Banking Activities
Business Banking 2,098 2,059 2,123 2,344 2,119 -9.6 1.0
Trade Finance 320 228 291 270 216 -20.0 -32.4
Key Fee Income Growth Contributors
Marketable securities 312 465 500 583 594 2.0 90.4
FX Trading, Revaluation & Share Investment,
412 339 297 214 235 9.8 -42.9 ATM & e-Channel Marketable Securities
Derivatives Custody, Coop Fee, etc
Pension Fund 55 55 59 60 57 -4.6 4.2 8.8%
17.9%
Syndication 285 214 156 350 174 -50.2 -38.8 90.4%
Share Investment, Custody,
714 758 821 867 842 -2.9 17.9
Coop Fee, Etc 842
369 401 594
Total Non-Interest Income 714
3,815 3,777 3,925 4,275 3,874 -9.4 1.5
(Bank Only)
312
Other Subsidiaries 98 63 76 256 140 -45.3 43.6
Total Non-Interest Income
3,913 3,840 4,001 4,531 4,014 -11.4 2.6 1Q24 1Q25 1Q24 1Q25 1Q24 1Q25
(Consolidated)
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BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Variable remuneration & digitalization drove opex in 1Q25
Opex Composition (IDR Bn) Cost to Income and Cost to Asset ratio
Operating Expenses 1Q24 2Q24 3Q24 4Q24 1Q25 QoQ-% YoY-%
Personnel Expenses 3,159 3,192 3,479 4,184 3,274 -21.7 3.6 44.6%
44.2% 43.8% 43.8%
43.3% 42.9%
Base Salary 1,189 1,066 1,131 1,140 1,194 4.7 0.4 42.6%
Other Allowance 822 984 1,238 2,083 902 -56.7 9.7
Post Employee Benefits 858 798 737 614 926 50.9 8.0
2.6% 2.5% 2.5% 2.5% 2.5% 2.4% 2.4%
Training 24 65 68 44 34 -24.1 40.2
Subsidiaries 267 279 306 303 219 -27.7 -17.7 2020 2021 2022 2023 2024 1Q24 1Q25
Digitalization & Transactional 363 431 472 454 502 6.2 33.4 CIR Cost to Asset
G&A Expenses 1,706 1,826 1,957 2,334 1,593 -32.0 -9.1
IT & Telecommunication 275 365 342 405 248 -39.7 -22.6 Quality over Quantity
Occupancy Related 153 153 179 147 142 -3.4 -7.1
NUMBER OF
Promotion 165 175 239 470 168 -64.2 2.2 PERSONNEL EXPENSES
Headcount priority EMPLOYEE
(IDR Bn]
Transport & Travel 52 48 72 65 50 -23.2 -4.8 toward business &
digital units
Goods, Prof. Services & Others 940 949 948 972 854 -12.2 -9.1
Subsidiaries 122 136 177 276 131 -52.5 7.5 3.6%
Result-oriented reward
Other Expenses 1,278 1,362 1,406 1,607 1,338 -15.4 9.7 3,274 27,176
scheme calibration to 27,442
Other Subsidiaries 143 93 121 121 230 93.0 60.9
retain and attract top
3,159
talents
Total Operating Expenses 6,649 6,905 7,434 8,700 6,937 -20.3 4.3 Mar-24 Mar-25
1Q24 1Q25
24
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
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Asset Quality BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 25
Page 28
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)
102.8 89.0 91.4 88.2 85.4 78.6 81.7 62.2 40.5 39.7 38.9 36.4 34.4 33.6
16.0% 9.7%
12.9% 13.3% 12.3% 11.8% 10.3% 10.9% 5.9% 5.8% 5.4% 5.0% 4.5% 4.5%
8.4% 8.7% 9.4% 9.6% 9.9% 10.9% 11.8% 7.9% 7.5% 7.0% 7.2% 7.2% 8.1% 7.7%
14.5% 13.7% 14.4% 13.7% 12.9% 11.2% 10.9% 16.7% 17.4% 15.4% 13.4% 13.1% 9.9% 9.0%
17.3% 17.9% 16.1% 16.1%
28.1% 21.4% 20.8% 19.6% 19.8% 19.8% 19.6% 18.5% 18.9%
27.8%
56.5% 58.7% 62.0% 61.9% 65.9% 67.2%
49.0% 56.2% 55.5% 57.1% 57.5% 58.1% 57.8% 47.6%
Dec-22 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Dec-22 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-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)
22.6 33.8 37.8 35.1 34.7 29.2 33.4 18.0 14.7 13.9 14.2 14.2 15.0 14.7
120.0%
4.9% 5.5% 4.9% 4.8% 2.8% 2.1% 2.0% 2.0% 2.0% 2.0% 2.0%
3.8% 4.5%
3.5% 100.0%
8.3% 7.6% 9.3% 10.4% 14.7% 16.2% 14.9% 15.3% 18.3%
10.0% 10.5% 10.4% 12.2% 20.2%
8.6% 6.5% 10.0% 10.1% 8.4% 6.9% 14.0%
8.1% 80.0%
20.5%
16.0% 15.0% 14.8% 23.3% 23.5% 23.4% 22.6%
20.9% 16.4% 17.0% 15.4% 21.5%
60.0%
38.2%
41.5% 33.6% 31.2%
40.0% 41.8% 38.3% 37.1%
62.1% 70.0% 65.6% 63.5% 64.1% 67.9% 64.3%
20.0%
37.5% 30.1%
23.3% 28.0% 20.7% 21.3%
18.7%
0.0%
Dec-22 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Dec-22 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25
Corporate Medium Small Consumer SML Ratio Corporate Medium Small Consumer NPL Ratio
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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 by Segment, write off & recovery
Special Mention Loan by Segment
Loan at Risk by Segment – Bank Only
(Bank Only)
Segment Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Segment Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25
Corporate 4.8% 6.3% 6.6% 5.5% 5.4% 4.5% 4.9% Corporate 13.6% 13.3% 13.5% 12.4% 11.9% 10.3% 10.8%
Medium 6.3% 5.3% 5.7% 5.9% 6.1% 4.3% 5.3% Medium 23.6% 18.7% 19.3% 17.6% 17.5% 15.5% 16.6%
Small 3.8% 2.6% 4.6% 4.5% 3.8% 2.6% 3.7% Small 16.5% 14.4% 16.0% 15.1% 14.3% 11.6% 12.0%
Consumer 2.8% 2.1% 2.8% 2.6% 2.7% 2.1% 2.8% Consumer 7.5% 6.2% 6.7% 6.3% 6.2% 6.0% 6.7%
Total SML- % 4.5% 4.9% 5.5% 4.9% 4.8% 3.8% 4.5% Total LAR- % 14.4% 12.9% 13.3% 12.3% 11.8% 10.3% 10.9%
Total SML- IDR Total LAR- IDR
30,106 33,812 37,774 35,075 34,740 29,235 33,446 95,789 89,007 91,424 88,155 85,405 78,611 81,749
Bn Bn
Non-Performing Loan by Segment
Write Off & Recovery – Bank Only
(Bank Only)
Segment Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 18,669
Corporate 1.0% 0.9% 0.7% 1.0% 1.0% 0.7% 0.7% 14,390 14,175 40.3%
Medium 5.7% 6.0% 5.9% 4.9% 4.6% 5.7% 5.7% 10,884 10,771
35.8% 36.0%
30.3% 22.9% 33.2%
Small 3.9% 3.5% 4.0% 4.2% 4.3% 4.5% 4.3% 28.2%
6,189
5,174
2.0% 1.7% 1.8% 1.6% 1.6% 1.9% 2.0% 3,898 3,921 3,995
Consumer 2,764
2,466
1,189 1,114
Total NPL- % 2.3% 2.1% 2.0% 2.0% 2.0 2.0 2.0%
Total NPL- IDR 2022 2023 1Q24 1H24 9M24 2024 1Q25
15,091 14,710 13.960 14,163 14,244 14,985 14,698
Bn
Write Off (Rp Bn) Recovery (Rp Bn) Recov. to Write Off Ratio
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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
67% of 1Q25 NPL formation came from 65% of the loan written off during 1Q25 came
client origination before 2022 from client origination before 2022
5% 0%
Fintech paylater & credit card only
Fintech paylater & credit card only
IDR 2.5Tn IDR 2.8Tn
1Q25 NPL Formation 1Q25 Write Off
-22% YoY -29.5% YoY
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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
Segment 1Q-24 2Q-24 3Q-24 4Q-24 FY-24 1Q-25
2.8 Corporate -0.6% -2.1% -0.1% 1.6% -0.3% -0.4%
1.7
Prov Charges for loan Medium 2.3% 4.6% 1.2% 2.3% 2.6% 1.1%
38.3 35.6 (net*) 38.7
Small 5.2% 8.5% 4.6% 2.8% 5.3% 5.3%
Consumer 2.1% 3.2% 2.2% -0.2% 1.8% 2.5%
Loan Provision - Dec Write Off Q1 2024 Loan Provision - after Provision Build Up Loan Provision - Mar CoC % - Bank
1.0% 1.0% 1.0% 1.5% 1.1% 0.9%
2024 write off 2025 wide
*after deducting loan remedial IDR 1.4Tn
Assigned Loan Loss Reserve
Mar 24 Mar 25 by Coll & Stage
Mar-25 Mar-25
Collectability Stage
NPL % 2.0% 2.0% Amount
LLR % Amount
LLR %
(IDR Tn) (IDR Tn)
Current – Normal 668.7 0.7% Stage 1 661.6 0.6%
LaR 81.7 41.4%
NPL Coverage % 330.2% 263.1% Stage 2 63.0 26.3%
Current Restructured 33.6 22.0% Stage 3 25.8 69.3%
Collectability 2 (SML) 33.4 51.0% All Stage 750.4 5.2%
LAR % 13.3% 10.9% NPL 14.7 63.7%
All Collectability 750.4 5.2%
LAR Coverage % 50.4% 47.3% Notes: Figures are on bank only basis.
1) LAR ratio = Special Mention loans + NPL + Total Current Restructured Loans
2) NPL Coverage Ratio = Allowance for Impairment Losses divided by NPL amount.
3) LAR Coverage Ratio = Allowance for Impairment Losses divided by LAR amount
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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% 13.3% 2.2% 2.1% 2.0%
10.3% 10.9% 2.0% 2.0%
9.1%
319.0% 330.2%
52.7% 278.3%
48.8% 50.4% 48.8% 255.8% 263.1%
47.3% 233.4%
182.4%
37.0%
34.3% 144.8%
27.0%
Avg 2017- Dec-20 Dec-21 Dec-22 Dec-23 Mar-24 Dec-24 Mar-25 Avg 2017- Dec-20 Dec-21 Dec-22 Dec-23 Mar-24 Dec-24 Mar-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
30
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 33
Digital Initiatives
31
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Page 34
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
We’re exceeding on every customer touch points
We are aiming to enhance Mobile Banking
digital solutions for all Introduced on 9 Oct 2024
customers’ needs, rather New Integrated Corporate Portal for Wholesale Trx Value
IDR 242 Tn
than focusing on a specific Solution
▼ 30.3% yoy
Trx Value No of Trx
product. IDR 2,374 Tn 337 Mn Total No of Trx
▲ 33.2% yoy ▲ 16.4% yoy 283 Mn
▼ 11.0% yoy
Branchless Banking
E-Channel
Migrating to
711k+ Active Card & 218k+ Agents the new breed of
QRIS merchant ▲ 12.2% yoy banking services
ATM SMS Banking
Acquiring Trx Value # Trx value # of Transaction
Launched on 5 July 2024
IDR 32.9 Tn 13.8 Bn 16.2 Mn
Trx Value No of Trx ▲ 35.3% yoy ▲ 23.3% yoy ▼ 28.3% yoy
13,402 ATMs Trx Value Total No of Trx
IDR 1.0 Tn 187 Mn
▼ 65.4% yoy ▲ 29.0% yoy IDR 212 Tn 218 Mn
Tapcash BNI Open API
Trx Volume
Ecosystem
IDR 183 Tn
▼ 9.8% yoy Internet Banking All Mobile Banking Channel
13.9 mn cards in
circulations 2,000++ 280
No of Trx (Mn) Trx Value (IDR Tn) No of Trx (Mn) ▲ 12.8% yoy Partners API Services Total Trx Value Total No of Trx
226 Mn IDR 3.5 Tn 1.6Mn Trx Value Best in class – open IDR 455 Tn 501 Mn
▼ 8.9% yoy ▼ 30.0% yoy ▼ 46.6% yoy IDR 768 Bn banking ecosystem ▲ 31.1% yoy ▲ 57.5% yoy
▲ 30.2% yoy digitalservices.bni.co.id
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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 the business of retail customers with the new breed of mobile banking
Drive low-cost fund consistently 9 months of wondr by BNI to get where
BNI Mobile Banking achieved in 4 years
19% YoY
Average savings balance of new
users with wondr is higher….
175
147
2.6x 5.3
6.8
1.0 2.8
Mar-24 Mar-25
Saving account balance through mobile
Jul-24 Sep-24 Dec-24 Mar-25
Compared with non-wondr new users
banking channel (IDR Tn) Registered users wondr by BNI (in Mn)
wondr boosted customer engagement to The strongest customer acquisition
transact with BNI apps with digital channel ever
International Design Award 2025
31% YoY
The Most Innovated and
Average 41% higher transaction
Outstanding Banking Product and business
Creative Communication Transformation of The Year Model Category, Super value after existing user 104% YoY
Strategy Apps wondr by BNI migrated to wondr
455
347 482
236
Ratings* Ratings*
41%
4,9/5,0 4,9/5,0 Mar-24 Mar-25 Mar-24 Mar-25
Transaction value (IDR Tn)
New CIF acquisition via mobile banking (thousand)
33
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
More powerful and intuitive experience with wondr by BNI
Accelerate to deliver and improve experience for more features
In less than a year with the global standard of technology
All BNI Mobile Banking
Features migrated
Jul 2024 Nov 2024 Jan 2025 Feb 2025 Jul 2025
1.0.0 1.2.0 1.2.1 1.3.0 1.4.0
Everyday Banking Life Goals Savings, Open new More
Cardless transactions,
Features including Time Deposits USD and investment account features to
credit card installment
overseas transfer, SGD, Forex, and for mutual funds come
and card to cash, new
time deposits, bill lifestyle menu offers and bonds personal financial
payment, transportation needs management, train and
e-wallet, and mutual
BNI Java Jazz ticket in
funds
lifestyle, tax report
More features to come this year…
The most complete
mobile banking in
the market More powerful
Hyper personalized Integration with
Just for you BNI subsidiaries
makes you
effortlessly
Smart budgeting Global transaction realizing your
for personal and capabilities for multi dream and
family needs currency anywhere aspiration
34
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
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 :
35
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
Harnessing the power of integrated wholesale banking solution
BNIdirect Ample room for growth Number of Users (in 000)
7.2%
• Strong penetration rate in Corporate clients: 77% of total YoY
transaction value comes from Corporate Clients 188
175
• Corporate Clients’ transaction value increased by 27% YoY
Mar-24 Mar-25
Transaction Value (IDR Tn)
33.2%
YoY
2,374
1,782
1Q24 1Q25
Value Chain
Payment Management
Management
# of Transactions (in Mn)
receivables Collection Management Open Banking Solution
16.4%
YoY
337
Liquidity Management
290
1Q24 1Q25
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Branchless Banking
Empowering Agents with Solid Contribution to 16.9k Agents are in Frontier, Remote and
Powerful Mobile Agent App Financial Inclusion Disadvantaged Areas
8.2k
218K Agents 4.7k
+12.2% YoY 3.9k
Spread Across:
6.0 Thousand 34 Thousand Chargeable Transactions at Agents
Districts Villages
Continues to Increase as
Literacy Improves
85% 92%
Inclusive Services 59%
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
Realtime Sharing % chargeable transaction to total transaction in Agen46
Fee for Agents Financial Report
Transaction BNI Agen46 Improves The Quality of Life
and Productivity of MSMEs # 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
Online Account
financial services of Agen46 32% BNI Transfer
Opening, Cash • Increase Customer Traffic 43% Virtual Account
Withdrawal & Deposit • Commission-based income for facilitated 16,2 Million
transactions 1Q-25
Interbank Transfer
4%
8% Others (Incl Cash Deposit, Top Up E-
13% wallet)
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Business &
Consumer
Banking
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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) Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Comp (%)
QoQ YoY Mar-24 Jun-24 Sep-24 Dec-24 Mar-25
Manufacturing 139.9 144.6 146.5 154.9 147.7 -4.6 5.6 24.5 2.6 3.6 3.8 3.0 3.0
Trading, Restaurant & Hotel 110.0 119.0 117.4 111.6 109.3 -2.0 -0.6 18.1 3.3 2.5 2.5 3.5 3.3
Infrastructure 56.2 55.5 55.0 55.5 57.4 3.4 2.2 9.5 1.3 1.1 1.0 0.8 0.8
Transport, Warehouse &
50.7 55.7 55.3 61.6 55.5 -9.9 9.5 9.2 1.9 1.4 1.3 2.6 2.8
Communications
Business Services 46.6 45.8 45.9 50.9 55.2 8.6 18.6 9.1 3.1 2.0 1.4 1.1 1.3
Natural Resources 41.4 47.5 50.7 51.2 51.4 0.4 24.3 8.5 0.3 0.1 0.1 0.1 0.1
Agriculture 54.1 51.7 50.2 48.0 45.6 -5.2 -15.9 7.5 1.5 2.3 2.6 1.7 1.7
Social Services 26.4 29.1 29.0 46.2 44.2 -4.3 67.6 7.3 1.2 0.8 0.8 0.5 0.2
Electricity, Gas & Water 27.2 27.7 27.7 31.5 33.0 4.9 21.1 5.5 0.1 0.1 0.1 0.1 0.1
Others 3.2 4.1 5.2 5.7 4.2 -26.6 32.1 0.7 0.1 0.9 0.7 0.9 1.3
Total 555.7 580.7 582.9 617.1 603.7 -2.2 8.6 100.0 2.1 2.1 2.1 2.0 2.0
Manufacturing Trading, Restaurant, Hotel Infrastructure
150.0 10.0%
154.9 119.0 117.4 56.2
70.0 10.0%
139.9 144.6 146.5 147.7
130.0
111.6 109.3 55.5 55.0 55.5 57.4
110.0
110.0 60.0
50.0
90.0
3.5%
40.0
5.0%
70.0
3.3% 3.3% 5.0%
2.5% 2.5%
30.0
3.6% 3.8% 3.0% 3.0% 1.3%
50.0
2.6% 1.1% 1.0%
20.0
30.0 10.0
0.8% 0.8%
10.0 0.0% - 0.0%
Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25
Amount NPL Amount NPL
Amount NPL
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Consumer business
Product Growth Comp NPL (%) NPL Movement - %
Mar-24 Jun-24 Sep-24 Dec-24 Mar-25
(IDR Tn) YoY (%) Mar-24 Mar-25
2.8 2.9 2.9 2.9
Mortgage 60.1 62.2 63.8 66.5 67.6 12.5% 46.7% 2.6% 2.9% 2.6 2.6 2.6
2.5
2.2 2.3
Personal Loan 52.1 53.8 55.9 58.0 59.3 13.8% 40.9% 0.8% 1.0% 2.4
1.6 1.7 1.7 1.7 1.7 1.8 1.8 1.7
Payroll Loan 48.8 50.3 52.3 54.4 55.6 13.9% 38.3% 0.8% 0.9%
0.9 1.0 1.0
0.7 0.8 0.8 0.8 0.8 0.8
Fintech Paylater 3.3 3.5 3.6 3.6 3.7 11.7% 2.6% 1.5% 2.6%
0.8
0.1 0.1 0.1 0.1 0.1
0.5 0.5
Credit Card 14.2 14.4 14.6 15.0 14.9 5.2% 10.3% 1.7% 2.5%
Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25
Others 1.8 2.3 2.7 3.0 3.1 70.0% 2.1% 0.1% 1.7% Mortgage Personal Loan Credit Card Others
Total 128.3 132.7 137.0 142.5 144.9 13.0% 100.0% 1.8% 2.0%
Ample Room for Growth of Payroll Loan
Personal Loan Debtors
Composition Mar-25
4,494 4,640
3,796 3,705 3,623 3,735
3,392 3,426 3,510 3,529 24.7%
2,724 358 35.7%
335 342 352
2,302 295 308 312
261 269 281
234 IDR 59.3 Tn
4.6%
185
12.0%
22.9%
2017 2018 2019 2020 2021 2022 2023 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25
Government Related SOE Private Companies Universities Other
Number of Payroll Account [Thousand] Number of Payroll Loan Account [Thousand]
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ESG
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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
Running the company’s business by roadmap targeting operational NZE by 2028 and financing NZE by
integrating 2060.
economic, social, environmental and Demonstrating • Integrating ESG risk management into Risk Acceptance Criteria
governance aspects. continuous (RAC) across various industry sectors
progress • MSCI ESG Rating at BBB attributed to robust workforce
BNI FOR CUSTOMERS management, corporate behavior, and privacy & data security, as
Providing excellent services, digital solutions, well as maintaining Medium Risk of Sustainalytics' ESG Risk Rating.
security, and privacy protection for all • Adapting International ESG Reporting Standards.
customers.
• Green financing enhancement, achieving approximately 10% of total
loans.
BNI FOR THE ENVIRONMENT Commitment to • Implementing the Indonesian Sustainable Finance Taxonomy (TKBI)
Improving environmental quality in line with participate in for borrowers in the energy sector.
business development. the green
• Strengthening ESG aspects on the Risk Acceptance Criteria (RAC) by
transition & adding aspects of human rights and occupational health & safety, as
climate action well as mitigation and climate change adaptation in borrowers’
operations.
BNI FOR THE COMMUNITY
Increasing awareness and responsibility to all • Enlarging RAC coverage from 18 sectors to 22 sectors.
levels of society in line with business
development.
• Respectable Good Corporate Governance practices.
Responsible • Fair operating, human rights, and labor practices.
BNI FOR EMPLOYEES
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.
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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
Framework ▪ Developed CRST tools to assess climate risks
Strengthening customer data on financial performance and overall bank
Governance reinforcement in ESG loans
E G
and financial protection health.
▪ Engaged debtors in providing emission data
for climate risk assessments.
Increasing employee’s awareness
Government ▪ Adopted the NGFS methodology for CRST
& capabilities
implementation.
▪ 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.
• Strengthening debtors’ Risk Acceptance Implementation of climate change ▪ Electricity and gas are the most vulnerable
• Strengthening infrastructure
Criteria (RAC) risk management in bank operations sectors; agriculture, forestry, and fisheries face
• Establishing Net Zero Emission notable physical risks.
roadmap and Carbon Budget • Strengthening infrastructure for climate
change risk management ▪ Climate risks may reduce CAR by 3.4% by 2050,
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.
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Use of proceeds of 2023 Green Bond issuances
Environmental &
Green Bond Framework Use of Proceed Social Impacts
Proceeds will be used exclusively to Categories Environmental Impact Alignment with SDGs
finance/refinance assets directly related to "Eligible
Green Projects" in accordance with the Green Bond 12.7%
Principles (related to 10 categories of green 87,3%
investment):
As of 2023, 87.3% of proceeds
Renewable Energy Sustainable have been allocated
Transportation according to green bond
Climate Change
IDR 5,0Tn project selection criteria and
Energy Efficiency
Adaptation BNI ESG Committee review.
Waste to Energy and
Sustainable Water
Waste Management
and Wastewater
Management
Sustainable Natural
Resources and Land Sustainable
Use Agriculture Sectorial distribution of
the proceeds
Terrestrial and Aquatic
18%
Biodiversity Conservation Green Buildings
Green Building
Renewable Energy
13%
IDR
IDR4,4Tn
4.4Tn
Sustainalytics Opinion on Green Bond Framework (87.3% of procced) Waste to energy and
53% waste management
“BNI is adequately positioned to issue green bond 8%
and that the Framework is robust, transparent, and Sustainable Natural
8%
in alignment with the four core components of the Resources and Land Use
Green Bond Principles 2021”
*) BNI Green Bond Report 2024 can be accessed on https://www.bni.co.id/Portals/1/BNI/Perusahaan/ESG/Docs/BNI-Green-Bond-Report-2024.pdf
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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 182.4 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 110.2 Tn resources and land use
Financing and empowerment
program towards micro & SME
IDR 32.0 Tn
Agrifood Minimizing the impact
Manufacture of water pollution
Renewable Energy Others
(Sustainable water and
IDR 12.2 Tn wastewater management, etc.)
Financing to hydro, solar &
biogas power plant IDR 24.8 Tn
Cement Achieving specific
Manufacture CO2 emissions
Pollution Prevention
IDR 3.2 Tn ~ USD
* Sustainable portfolio is loan to business sectors that meet The Sustainable Business Activities Category (KKUB)
requirements by OJK Steel 362mio Improvement of ESG
Manufacture scoring on annual basis
Green loans grew stronger in the past 4 years
in total
cagr IDR Tn
23.5% Reducing emissions,
Packaging
recycling resin and gender
7.2% Manufacture
59.7 73.4 equality
55.4 67.9 72.2 yoy
29.5
113.8 117.0 123.2 113.2 117.1 110.2
Reducing GHG emissions,
Coal-Derivative increasing employee
Manufacture training program
2020 2021 2022 2023 2024 Mar-25
Social Green
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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)
0.6%
Weapons 0.04%
2.7%
3.9%
7.8% 18%
Gambling
34.2%
& money laundering
Politically Exposed
65.2%
Person (PEP)
82%
97.3%
92.2% 96.1%
Trading protected RSPO and/ or ISPO Certified Coal Mining & Coal Related
animals Trading Manufacture
Palm Oil Others Refinery & Palm Oil In the certification process
Plantation Trading Coal Others Briquette
Mill
Industry
* sustainable portfolio is loan to business sectors that meet the requirements of The Sustainable Business Activities Category (KKUB) of OJK
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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 • Respecting and supporting intellectual property
controlling shareholder
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 Mar-25 Training/Socialization
31% 38% 31%
<50 years old 50 - 55 >55 years old
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Embodying Sustainability Culture
Employee Diversity Good Corporate Governance practices
2,990 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 Mar-2025, BNI
Women Men physical disabilities has distributed IDR 13.9 Bn to 40 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)
19% 24% 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 Mar 2025, BNI has
BNI Amex Vibe Card distributed IDR 13.3 Bn to 102 coffee
Targeting youth segment, farmers.
<25 30-34 41-50 With card using recycled materials
4% 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
• Wastewater management systems in 2 HQ buildings (Menara BNI & Plaza BNI)
Note:
equivalent to 40% of its total yearly water consumption
1. Top Management defines as AVP, VP, SVP, EVP, and SEVP Level • Solar panel installation for the emergency exit in Plaza BNI
2. All figures stated as of Mar 2025 with the total number of full-time • Adopting a paperless office administration system (E-Office)
employees: 27.176
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
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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
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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
BBB 23.2
GROUP
380 out of 1,039
Banks
RATINGS
Medium
Risk
UNIVERSE
CCC B BB BBB A AA AAA Negl Low Med. High Severe Global 6,063 out of 15,172
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
19 April 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
Dec 2024 – May 2025 Dec 2024 – May 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)
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About BNI
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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 Risk Financing Management – ▪ Head of the Financial Market Development Department -
Ministry of Finance Bank Indonesia
▪ Expert Staff in Financial Services and Capital Markets – ▪ Head of Representative - Bank Indonesia London
Ministry of Finance ▪ Head of the Monetary Operations Group - Bank Indonesia
VERA FEBYATHY
DIDIK JUNAIDI RACHBINI
INDEPENDENT COMMISSIONER
INDEPENDENT COMMISSIONER
▪ Rector - Paramadina University ▪ Deputy Chairperson of the Permanent Committee on
▪ Graduate School Lecturer - Universitas of Indonesia Institutional Relations and Sector and Oil and Gas
▪ Vice Rector - Mercu Buana University Regulations, - KADIN Indonesia
▪ Chairman of the Permanent Committee on Institutional
Relations in the Infrastructure Sector - KADIN Indonesia
*All waiting for Fit & Proper Test from OJK
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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 Vice President, Bank Negara Indonesia (2024— 2025) ▪ Deputy President Director - Bank Mandiri
▪ Retail Banking Director, Bank Negara Indonesia (2023 – ▪ Corporate Banking Director - Bank Mandiri
2024) ▪ SEVP Corporate Banking - Bank Mandiri
▪ 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, Bank
▪ Wholesale and International Banking Director, Bank ▪ SEVP International Banking & Financial Institutions -
Negara Indonesia (2024 – 2025)
Negara Indonesia (2024 – 2025) Bank Mandiri
▪ President Commissioner, Hibank Indonesia (2023 – 2024)
▪ President Director, BNI Sekuritas (2021 – 2024) ▪ Group Head Treasury - Bank Mandiri
▪ SEVP Corporate Development & Transformation, BNI (2020 –
▪ Managing Director, UBS Investment Bank (2013 -2021) ▪ Branch Manager Singapore - Bank Mandiri
2024)
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 - Pupuk ▪ SEVP Retail Digital Solution,
▪ Country Chief Risk Officer, Bank of Tokyo Mitsubishi Iskandar Muda Bank Negara Indonesia (2020 – 2025)
UFJ, Jakarta (2015-2018) ▪ SVP Channel Management – Bank Negara Indonesia ▪ SEVP Network, Bank Negara Indonesia (2019-2020)
▪ Head of Regional Office 14 - Bank Negara Indonesia ▪ SEVP Medium Business,
▪ Bank Negara Indonesia (2018-2019)
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 – Bank Tabungan
▪ Institutional Relations Director, Jasa Raharja (2021 – 2024) ▪ Digital & Integrated Transaction Banking Director, Bank
Negara
▪ Finance, Human Capital & Risk Management Director, Negara Indonesia (2023-2024)
▪ Institutional Banking Director – Bank Negara Indonesia
Wijaya Karya Bitumen (2019 – 2021) ▪ Consumer Banking Director, Bank Negara Indonesia (2020 –
▪ Enterprise & Commercial Director Banking – Bank
2023)
Negara Indonesia
TOTO PRASETIO RONNY VENIR
Information Technology Director Operations Director
▪ Technology and Operations Director, ▪ Network and Services Director, Bank Negara Indonesia (2020-
Bank Negara Indonesia (2023-2025) 2025
▪ SEVP Information Technology, Bank Mandiri (2019 – 2022) ▪ SEVP Network, Bank Negara Indonesia (2019-2020)
▪ Group Head IT Application Support, Bank Mandiri (2017 – ▪ SEVP Medium Business, Bank Negara Indonesia (2018-2019) *Waiting for Fit & Proper Test from OJK
2019)
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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*)
Mar-25 218,021 Mar-25 13,402 Mar-25 20 Mar-25 26 Mar-25 12 Mar-25 1,779 Mar-25 27,176
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
70.2 million
23.2million
2.0
million
247,075 291,329
Business Banking
674
Corporate Debtors
2,274
Medium Loan
288,381
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) 54
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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
1Q24 2024 1Q25 YoY (%) Branchless Banking 1Q24 2024 1Q25 YoY (%)
Ewondr
Channel
and BNI Mobile Banking # Agent 194,260 213,370 218.021 12.2%
#User (Th) 16,910 23,433 25,152 49% Agent Fund (IDR Bn) 3,403 4,818 4,876 43.3%
#Trx (Mn) 318 1,574 502 57% #Trx (Mn) 22.63 79.35 16.24 -28.3%
Volume (IDR Tn) 11.13 51.97 13.79 23.3%
Volume (IDR Tn) 347 1,687 455 31%
#Pandai Account (Th) 20,026 20,178 20.175 0.8%
SMS Banking
Pandai Fund (IDR Bn) 1,019 1,124 1,068 4.7%
#User (Th) 12,702 12,695 12,705 0.2%
#Trx (Mn) 145 688 187 29%
Reliable Transaction Platform
Volume (IDR Tn) 3 9 1 -65% to Support The Cashless Society
Internet Banking Electronic Money &
1Q24 2024 1Q25 YoY (%)
Acquiring
#User (Th) 2,225 2,217 2,239 5%
BNI Tap Cash
#Trx (Mn) 3 10 1,6 -46%
#Card (Th) 12,299 13,632 13,873 12.8%
Volume (IDR Tn) 5 19 3,5 -30% #Trx (Mn) 26 116 31 19.9%
ATM Volume (IDR Bn) 590 2,779 768 30.2%
Acquiring (EDC + QRIS + Online Merchant)
#Trx (Mn) 279 912 226 -8.9%
#Trx (Mn) 98 459 133 35.3%
Volume (IDR Tn) 142 630 183 -9.8%
Volume (IDR Tn) 24 113 33 35.3%
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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-
services focuses on index mutual funds, environmentally friendly ups.
and fixed income.
Large customer base for Top Product
Bancassurance and Formed on March 22, 2021, to expand BNI Sekuritas proposition Obtained OJK license
Life Insurance with Founded on April
Employee Benefits business. as a regional player capable of providing banking and capital on January 2023
Endowment Benefit Rank Rank 2022
market services in global financial markets.
(Solusi Series, Hy
2% 0.3%
End Pro, and Steady
Protection) Revenue Mix Rank
#9 #3
Bancassurance
Asset Under Market share of Index BNV Investee
47%
Composition of
GWP
Employee Benefit
51% Agency
Rank in Industry 18%
18%
16%
Others
#1 Management Mutual Fund
44%
Mar-25 Alternative Dist.
#10 51%
35%
Investment
Banking
Investment Banking
Revenue 5.0% 30
(in form of Gross Brokerage AUM Market Share APERD Partnership
Written Premium) Mar-24 Mar-25
SME Digital Bank Consumer Finance
63.9% 99.9%
% BNI Ownership % 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 (%) EV Financing Outstanding
Outstanding Joint Financing
▲59.0% YoY
Officially acquired PT
Bank Mayora ~ 1,5 M CIF
BNI – BNI Finance (Rp87.5 M → Rp139.1 M)
36%
(Mar’24) (Mar’25)
▲179.2%
17 May 2023 Mar-25
Total Deposit Total Loan NPL
Rebranding as hibank 64% Total Financing
▲39% YoY ▲55% YoY ▼ -0.2% YoY YoY
to support the vision of Dealer Partnership
becoming Indonesia's (Rp9.8 T → Rp13.7 T) (Rp7.2 T → Rp11.2 T) (1.0% → 0.8%) ▲44.2% YoY
Leading MSME Digital
Bank. (Mar’24) (Mar’25) (Mar’24) (Mar’25) (Mar’24) (Mar’25)
1,704 Dealer (Rp0.4 T → Rp1.1 T) (Rp4.0 T → Rp5.7 T)
SME Non SME (Mar’24) (Mar’25) (Mar’24) (Mar’25)
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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)
56.1 78.6
49.0
LIFE VENTURE 56.7
MULTIFINANCE SECURITIES REMITTANCE BANK
INSURANCE CAPITAL
1983 1995 1996 1996 2022* 2022
99.99% 75.00% 60.00% 100.00% 63.92% 99.98% Mar-24 Mar-25 1Q-24 1Q-25*
Total Subs
Contribution (IDR Bn)
ASSET
SECURITIES
MANAGEMEN
T
2011 2021
99.90% 100.00%
Year of Shares ownership 575.7
establishment
553.0
Note: as of February 2021, the financial summary (report) is excluded BNI Syariah as a
consolidated calculation. *
* Year of acquisition
1Q-24 1Q-25
Note:
- *) Total subsidiary profit decreased by -27.8% YoY due to the implementation of IFRS 17 on BNI Life in Mar’25 but there was no restatement of Mar’24 profit, however if a restatement was carried out in 2024 then the subsidiary's profit growth would be 6.3% YoY.
- 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)
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Subsidiaries Highlighted Performances
BNI Securities
BNI Life Insurance* BNI Finance
Consolidated
11.1
104.7 104.7 2.3 2.3 12.8
97.2 0.7
-3.6 2.4 1.0 0.3
60.9 -0.7
43.4 -5.7 -31.6
48.7
27,526 3,043 6,233
23,739 25,454
2,537 4,634
2,047
804
1,152 1,166 1,316 864
6,157 6,367 6,428 1,258 152
1Q2023 1Q2024 1Q2025 1Q2023 1Q2024 1Q2025 1Q2023 1Q2024 1Q2025
hibank BNI Ventures
54.5
0.9 0.2 0.2
28.3 28.3
18,893
15,128 524.2
11,630 515.9
512.3
507.0 508.0
4,499 4,631 504.7
4,385
1Q2023 1Q2024 1Q2025
1Q2023 1Q2024 1Q2025
Note:
- *) Data 1Q2025 using IFRS 17 Asset (IDR Bn) Equity (IDR Bn) EAT (IDR Bn) FBI contribution to BNI (IDR Bn)
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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%
20.52% 20.67% 1.38%
1.49% 1.44%
1.58% 1.40%
1.63% 1.34% 1.36%
1.43% 1.43%
13.95%
REGULATORY 17.66% 19.00% 18.60% 19.47% (starting from Mar-25)
17.46%
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)
1Q2024 2Q2024 3Q2024 4Q2024 1Q2025
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 Mar-25 BBNI Capital Realization
BBNI Capital Realization Mar24 Dec-24 Mar-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 10.45
BNI Realization & Projection 17.5 18.6 19.47
Minimum Common Equity Tier 1 Capital 4.50% 4.50% 4.50% Tier I Capital (%)
Minimum Requirement 11.8 11.8 11.95
BNI Realization & Projection 18.9 20.0 20.87
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 9.95
2. Capital Conservation Buffer 2.5 2.5 2.50
Capital Conservation Buffer 2.50% 2.50% 2.50% 3. Countercylical Buffer 0 0 0
4. Capital Surcharge 1.5 1.5 1.50
Minimum Requirement (%) 13.8 13.8 13.95
Countercyclical Buffer CAR BNI Realization & Projection (%) 20.5 21.4 22.25
0.00% 0.00% 0.00%
(Applied to all bank)
Capital Surcharge
1.50% 1.50% 1.50% Risk Weighted Asset (Bank Only – IDR Tn)
(Bank with systemic risk)
Risk Weighted Asset
Mar-24 Dec-24 Mar-25
Minimum Common Equity Tier 1 (Bank Only – IDR Tn)
10.30% 10.30% 10.45%
+ Risk Profile + Additional Buffers RWA - Credit Risk 614.3 660.2 657.2
RWA - Market Risk 14.8 14.2 13.6
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 666.5 711.8 711.2
Total Capital 136.8 152.3 158.3
Minimum CAR + Risk Profile CAR - % 20.5 21.4 22.3
13.80% 13.80% 13.95%
+ Additional Buffers
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Breakdown Yield Earning Asset & Interest Bearing Liabilities (bank only)
1Q24 1Q25 Growth YoY
Breakdown Earning Asset
Amt (IDR Tn) Yield Amt (IDR Tn) Yield Amount Yield
Loan 686.0 7.5% 7.4% 9.4% -0.2%
750.4
Non Loan 249.9 5.2% 4.9% 1.2% -0.3%
252.9
Marketable Securities 156.3 4.5% 169.4 4.1% 8.4% -0.4%
Placement 58.9 3.9% 51.9 3.6% -11.9% -0.2%
Acceptance and other receivables 34.7 10.7% 31.6 11.2% -9.1% 0.4%
Total Earning Assets 935.9 6.9% 1,003.3 6.8% 7.2% -0.1%
Breakdown Interest Bearing 1Q24 1Q25 Growth YoY
Liabilities Amt (IDR Tn) CoF Amt (IDR Tn) CoF Amount CoF
Third Party Fund 770.6 2.8% 805.6 2.8% 4.5% 0.0%
Current Account 307.1 2.8% 315.5 2.6% 2.7% -0.2%
Savings 232.9 0.7% 257.0 1.0% 10.4% 0.3%
Time Deposit 230.7 4.9% 233.1 4.9% 1.1% 0.0%
Borrowings & Repo 35.9 7.8% 54.5 6.4% 51.7% -1.4%
MS Issued 22.4 4.7% 31.5 5.0% 40.4% 0.3%
Total Interest Bearing Liabilities 829.0 3.3% 891.7 3.3% 7.6% 0.0%
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
BNI Shares & Rating
Historical Share Price Performance
BNI Shares & Rating Market Cap Movement & PBV
Versus JCI – YoY Trend
37% 200
Long Term Foreign Currency BBB- 172
162 158
Long Term Local Currency BBB-/Stable 17%
9% 10% 126
6%
Fitch Short Term Foreign Currency F3 -5%
4% 115 1.40
1.33
Rating Viability Rating bb+ -3% 1.04 1.06 1.03
National Long Term Rating 0.97
AA+/Stable -11%
National Short Term Rating -21% -19%
F1+ -28%
2020 2021 2022 2023 2024 Mar-25
2020 2021 2022 2023 2024 Mar-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
12.0%
Retail Geographical distribution of
Outlook Stable Breakdown of shares ownership
free float shares (as of March-25)
Foreign Long Term Bank Deposits Baa2
Ownerships Dec-24 Mar-25 23.5% Indonesia
Local Long Term Bank Deposits Baa2
Moody's
Baseline Credit Assessment Baa3 30.2% US & Canada
Government RI 60.0% 60.0% 40%
Adjusted Baseline Credit Assessment Free Float
Baa3 27.2% UK & Europe
Counterparty Risk Assessment Public - Shares
Baa2/p-2 13.7% 15.6% 10.5% Rest of Asia
Domestic
6.8% Singapore
Public - Foreign 26.3% 24.4% 88.0%
Pefindo Corporate Rating AAA/Stable 2.5% Rest of The World
Institutions
▪ Issued shares 37,297,312,916 shares
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5 Years Financial Data BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 63
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
5 Years Financial Data (1)
Consolidated Balance Sheet (IDR Bn) 2020 2021 2022 2023 2024 Mar 24 Mar 25
Total Assets 891,337 964,838 1,029,837 1,086,664 1,129,806 1,066,715 1,146,583
Placement with other banks & BI 61,329 92,290 51,569 43,794 17,076 29,921 26,516
Marketable Securities [market value] 29,947 26,053 28,556 37,408 48,453 41,238 51,968
Government Bonds [market value] 90,661 111,430 121,291 127,100 132,072 131,033 134,026
Loans (gross) 586,207 582,436 646,188 695,085 775,872 695,162 765,469
Third Party Funds 679,452 729,169 769,269 810,730 805,511 780,230 819,580
Deposit from other banks 9,372 14,377 15,245 11,894 18,548 12,825 14,007
Marketable Securities Issued 3,085 18,751 22,110 21,822 30,674 22,348 31,435
Borrowings 44,114 32,458 35,654 30,950 42,931 31,256 38,846
Shareholders’ Equity 112,872 126,520 140,198 154,733 167,187 149,702 173,014
Consolidated Profit or Loss (IDR Bn) 2020 2021 2022 2023 2024 1Q24 1Q25
Interest Income 56,173 50,026 54,659 61,472 66,583 15,875 16,713
Interest Expense (19,021) (11,779) (13,338) (20,196) (26,103) (6,485) (6,879)
Net Interest Income 37,152 38,247 41,321 41,276 40,480 9,390 9,834
Premium Income Net 1,471 1,399 1,552 1,659 1,724 373 334
Fee Based Income 11,864 13,639 14,820 14,783 16,286 3,913 4,014
Recovery 1,549 2,581 3,780 5,030 6,025 1,154 1,067
Operating Income 52,036 55,865 61,472 62,747 64,515 14,830 15,249
Operating Expense (24,214) (24,801) (27,059) (27,778) (29,688) (6,649) (6,937)
Pre-Provision Income (PPOP) 27,822 31,064 34,413 34,970 34,826 8,181 8,312
Provisioning Charges (22,590) (18,298) (11,514) (9,196) (8,211) (1,744) (1,760)
Non-Operational Inc/(Exp) (119) (216) (212) (134) (35) 0 (33)
Net Income 3,280 10,898 18,312 20,909 21,464 5,326 5,380
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
5 Years Financial Data (2)
Financial Ratios (%) 2020 2021 2022 2023 2024 1Q24 1Q25
LOAN Growth [Consolidated] 5.3 5.3 10.9 7.6 11.6 9.6 10.1
CASA Ratio [Consolidated] 68.5 69.4 72.4 71.2 69.9 69.7 70.5
CASA Growth [Consolidated] 5.6 17.1 10.1 3.6 -2.5 6.0 6.3
CAPITAL
Shareholders equity to total asset 12.7 13.1 13.6 14.2 14.6 14.0 15.1
Tier I - CAR (include operational risk) 15.7 17.7 17.5 20.2 20.0 18.9 20.9
Tier II - CAR (include operational risk) 1.1 2.0 1.8 1.7 1.4 1.6 1.4
Total CAR (credit,market + operational risk) 16.8 19.7 19.3 22.0 21.4 20.5 22.3
ASSET QUALITY
Net Non-Performing Loan 0.9 0.9 0.5 0.6 0.7 0.7 0.7
Gross Non-Performing Loan 4.3 3.7 2.8 2.1 2.0 2.0 2.0
Credit Cost 4.1 3.3 1.9 1.4 1.1 1.0 0.9
NPL Coverage 182.4 233.4 278.3 319.0 255.8 330.2 263.1
RENTABILITY
Pre-Tax ROAA 0.5 1.4 2.5 2.6 2.5 2.5 2.4
ROAE* 2.6 9.4 14.9 15.2 14.2 14.5 13.3
Net Interest Margin 4.5 4.7 4.8 4.6 4.2 4.0 3.9
EFFICIENCY
Cost to Income Ratio 44.2 43.3 42.6 42.9 44.6 43.2 43.8
LIQUIDITY
Loan to Deposit Ratio 87.3 79.7 84.2 85.8 96.1 89.0 93.1
DIVIDEND
Dividend Payout Ratio [%] 25.0 25.0 40.0 50.0 65.0 N/A N/A
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 65
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
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
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MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
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.
This presentation has been prepared by BNI. The content of this presentation may not be used, duplicated or transmitted in any form without the written consent from BNI. All rights reserved.
Page 70
MANAGEMENT FINANCIAL ASSET DIGITAL ESG
HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES
Thank You
This presentation has been prepared by BNI. The content of this presentation may not be used, duplicated or transmitted in any form without the written consent from BNI. All rights reserved.
Names mentioned 47 people and organisations named in the text · linked when the evidence is strong
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Bank Indonesia
p.4 ×69
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org
Non-Operational Inc
p.20 ×2
unresolved
org
Ministry of Environment Life and Forestry
p.48
unresolved
—
BoC
· Commissioner
p.54
unresolved
org
Ministry of State Owned Enterprises
p.54
unresolved
org
Bank Mandiri DONNY HUTABARAT SUMINTO
p.54
unresolved
org
Ministry of Finance
p.54 ×2
unresolved
org
Bank Indonesia London Ministry
p.54
unresolved
org
Bank Indonesia VERA FEBYATHY DIDIK JUNAIDI RACHBINI INDEPENDENT
p.54
unresolved
—
BoD
· Director
p.55
unresolved
—
CEO
· President Director
p.55
unresolved
—
CFO
· Director
p.55
unresolved
person
Institutional Banking
· Director
p.55
unresolved
org
Bank Tabungan
p.55
unresolved
org
Bank Negara Indonesia Wijaya Karya Bitumen
p.55
unresolved
org
PT Bank Mayora
p.58
unresolved
org
Bank Deposits
p.64 ×2
unresolved
org
Securities Co Ltd.
p.68
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