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Page 1
ISO 9001:2015
1. Preparation and Verification Process
of Bank Negara Indonesia Published
Financial Statements
2. Preparation, Verification, and Reporting
Process of Corporate Income Tax
Certificate ID16/03754
CONSOLIDATED
FINANCIAL STATEMENTS
PT BANK NEGARA INDONESIA (PERSERO) Tbk AND SUBSIDIARIES
Periods of December, 2024
Audited
BNI registered with and supervised by the
Financial Services Authority
Page 2
Statements of Financial Position
STATEMENTS OF FINANCIAL POSITION
AS OF DECEMBER 31, 2024 AND 2023
(IN MILLIONS OF RUPIAH)
INDIVIDUAL CONSOLIDATED
NO ACCOUNTS DEC 31, 2024 DEC 31, 2023 DEC 31, 2024 DEC 31, 2023
(Audited) (Audited) (Audited) (Audited)
ASSETS
1. Cash 13,616,467 11,123,073 13,709,930 11,207,201
2. Placement with Bank Indonesia 59,845,738 102,785,297 61,793,609 104,685,223
3. Placement with other banks 26,147,584 37,099,494 29,025,266 39,388,242
4. Spot and derivatives/forward receivables 1,792,978 995,677 1,792,978 995,677
5. Securities 147,504,771 141,784,739 174,782,023 165,619,933
6. Securities sold under repurchase agreements (repo) 10,892,911 7,806,645 10,892,911 7,806,645
7. Securities purchased under resell agreements (reverse repo) 7,281,260 9,948,586 7,971,923 13,951,344
8. Acceptance receivables 16,002,813 17,544,789 16,018,770 17,568,675
9. Loans 761,550,303 687,912,534 775,871,778 695,084,769
10. Sharia financing - - - -
11. Equity investments 18,701,081 17,221,103 13,385,407 11,847,166
12. Other financial assets 15,384,230 16,412,144 15,452,041 16,453,773
13. Allowance of impairment on financial assets -/-
a. Securities (35,872) (312,637) (35,875) (312,637)
b. Loans (38,328,597) (46,925,323) (38,684,520) (47,158,131)
c. Others (1,145,253) (1,344,175) (1,145,526) (1,344,396)
14. Intangible assets - - 757,570 757,570
Accumulated amortization on intangible assets -/- - - (14,256) (13,147)
15. Fixed assets and equipment 47,342,360 43,260,975 48,815,943 44,687,850
Accumulated depreciation on fixed assets and equipment -/- (17,793,691) (16,349,491) (18,407,707) (16,922,994)
16. Non earning assets
a. Abandoned properties 2,278 2,733 2,278 2,733
b. Foreclosed assets 827,183 842,541 914,825 897,057
c. Suspense accounts 756 335 756 335
d. Interbranch assets 201,545 86,494 201,545 86,494
17. Other assets 14,633,744 18,830,194 16,703,968 21,374,604
TOTAL ASSETS 1,084,424,589 1,048,725,727 1,129,805,637 1,086,663,986
LIABILITIES AND EQUITY
LIABILITIES
1. Current accounts 301,488,756 343,091,762 305,733,528 345,496,168
2. Saving accounts 256,704,500 231,002,773 257,544,353 231,981,435
3. Time deposits 234,478,878 227,614,326 242,232,967 233,252,740
4. Electronic money 222,426 224,059 222,426 224,059
5. Liabilities to Bank Indonesia 359,982 426,153 359,982 426,153
6. Liabilities to other banks 18,247,558 11,545,684 18,282,128 11,593,639
7. Spot and derivatives liabilities/forward 1,479,185 810,462 1,479,185 810,462
8. Liabilities on securities sold under repurchase agreements (repo) 15,890,945 6,891,177 15,890,945 6,891,177
9. Acceptances liablilities 4,213,527 5,724,660 4,229,484 5,748,547
10. Securities issued 30,744,466 21,927,011 30,673,680 21,822,088
11. Fund borrowings 39,492,815 29,793,386 42,837,798 30,823,803
12. Margin deposits received 690,671 484,089 715,473 509,379
13. Interbranch liabilities - - - -
14. Other liabilities 22,309,100 23,259,618 42,417,135 42,351,816
15. Minority interest - - 6,985,971 6,858,505
TOTAL LIABILITIES 926,322,809 902,795,160 969,605,055 938,789,971
4Q24 Publication Report > PT Bank Negara Indonesia (Persero) Tbk
Page 3
Statements of Financial Position
STATEMENTS OF FINANCIAL POSITION
AS OF DECEMBER 31, 2024 AND 2023
(IN MILLIONS OF RUPIAH)
INDIVIDUAL CONSOLIDATED
NO ACCOUNTS DEC 31, 2024 DEC 31, 2023 DEC 31, 2024 DEC 31, 2023
(Audited) (Audited) (Audited) (Audited)
EQUITY
16. Paid-in capital 9,054,807 8,874,847 9,054,807 8,874,847
a. Authorized capital 15,000,000 15,000,000 15,000,000 15,000,000
b. Unpaid-in capital -/- (5,945,193) (5,945,193) (5,945,193) (5,945,193)
c. Treasury stock -/- - (179,960) - (179,960)
17. Additional paid-in capital
a. Agio 19,633,584 19,633,584 17,010,254 17,010,254
b. Disagio -/- - - - -
c. Capital fund - - - -
d. Others*) 322,589 260,116 322,589 260,116
18. Other comprehensive income
a. Gains 15,122,826 14,364,862 15,149,338 14,493,284
b. Losses -/- - - - -
19. Reserves
a. General reserves 2,778,412 2,778,412 2,778,412 2,778,412
b. Specific reserves - - - -
20. Income/loss
a. Previous years 100,437,963 86,559,369 104,876,321 90,872,447
b. Current year 21,206,337 20,784,198 21,463,599 20,909,476
c. Paid dividend -/- (10,454,738) (7,324,821) (10,454,738) (7,324,821)
TOTAL EQUITY ATTRIBUTABLE TO OWNERS 158,101,780 145,930,567 160,200,582 147,874,015
TOTAL EQUITY 158,101,780 145,930,567 160,200,582 147,874,015
TOTAL LIABILITIES AND EQUITY 1,084,424,589 1,048,725,727 1,129,805,637 1,086,663,986
*) Share-based payment reserve.
4Q24 Publication Report > PT Bank Negara Indonesia (Persero) Tbk
Page 4
Statements of Profit Or Loss and Other Comprehensive Income
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
FOR THE PERIODS FROM JANUARY 1 TO DECEMBER 31, 2024 AND 2023
(IN MILLIONS OF RUPIAH)
INDIVIDUAL CONSOLIDATED
JAN 1, 2024 JAN 1, 2023 JAN 1, 2024 JAN 1, 2023
NO ACCOUNTS TO TO TO TO
DEC 31, 2024 DEC 31, 2023 DEC 31, 2024 DEC 31, 2023
(Audited) (Audited) (Audited) (Audited)
OPERATING INCOME AND EXPENSES
A. Interest Income and Expenses
1. Interest income 64,923,225 60,520,375 66,583,110 61,471,696
2. Interest expenses 25,435,146 19,850,706 26,102,905 20,196,023
Net Interest Income (Expenses) 39,488,079 40,669,669 40,480,205 41,275,673
3. Premium income and investments return - - 6,741,317 6,853,074
4. Claim expenses - - 5,017,507 5,193,773
Net Premium Income (Claim Expenses) - - 1,723,810 1,659,301
Net Interest Income (Expenses) and Net Premium Income (Claim Expenses) 39,488,079 40,669,669 42,204,015 42,934,974
B. Operating Income and Expenses Other than Interest
1. Gain (loss) from increase (decrease) in fair value of financial assets (805,177) (939,290) (782,470) (930,407)
2. Gain (loss) from decrease (increase) in fair value of financial liabilities - - - -
3. Gain (loss) from sale of financial assets 1,737,167 1,153,663 1,769,243 1,179,693
4. Gain (loss) from spot and derivatives/forward (realised) 2,188,233 2,022,282 2,189,030 2,023,009
5. Gain (loss) from investment under equity method 1,629,349 1,326,932 1,522,798 1,327,868
6. Gain (loss) from foreign exchange translation - - - -
7. Dividend income - - - -
8. Commission/provision/fee and administrative 10,551,324 10,445,335 10,249,243 10,120,172
9. Other income 6,516,879 5,472,440 7,363,061 6,092,094
10. Impairment for financial assets expenses (recovery) 7,556,645 9,237,855 7,786,530 9,363,343
11. Losses related to operational risk 24,793 24,432 27,574 26,480
12. Personnel expenses 12,859,782 11,891,511 13,948,131 12,833,769
13. Promotion expenses 1,048,227 996,481 1,135,800 1,066,423
14. Other expenses 13,836,918 12,723,917 15,000,972 13,684,052
Net Operating Income (Expenses) Other than Net Interest (13,508,590) (15,392,834) (15,588,102) (17,161,638)
OPERATING INCOME (EXPENSES) 25,979,489 25,276,835 26,615,913 25,773,336
NON OPERATING INCOME AND EXPENSES
1. Gain (loss) from sale of fixed assets and equipment 2,215 3,198 11,200 7,874
2. Other non operating income (expenses) 83,075 (24,434) (46,655) (141,472)
NON OPERATING PROFIT (LOSS) 85,290 (21,236) (35,455) (133,598)
CURRENT YEAR PROFIT (LOSS) BEFORE TAX 26,064,779 25,255,599 26,580,458 25,639,738
Income taxes
a. Estimated current year tax -/- (4,447,711) (4,386,618) (4,495,531) (4,462,052)
b. Deferred tax income (expenses) (410,731) (84,783) (415,530) (71,458)
CURRENT YEAR NET PROFIT (LOSS) 21,206,337 20,784,198 21,669,397 21,106,228
CURRENT YEAR MINORITY INTEREST PROFIT (LOSS) - - 205,798 196,752
OTHER COMPREHENSIVE INCOME
1. Items that will not be reclassified to profit or loss
a. Gain (loss) from revaluation of properties 1,263,566 - 1,263,566 9,998
b. Gain (loss) from remeasurement on defined benefit plans 419,216 (409,041) 423,907 (409,214)
c. Others - - - -
2. Items that will be reclassified to profit or loss
a. Gain (loss) from exchange difference on translation of foreign currency financial
statement (38,309) (21,764) (38,631) (21,997)
b. Gain (loss) from changes of financial assets on measured at fair value through
other comprehensive income (467,292) 1,044,529 (651,901) 1,094,508
c. Others - - - -
OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX 1,177,181 613,724 996,941 673,295
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 22,383,518 21,397,922 22,666,338 21,779,523
4Q24 Publication Report > PT Bank Negara Indonesia (Persero) Tbk
Page 5
Statements of Profit Or Loss and Other Comprehensive Income
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
FOR THE PERIODS FROM JANUARY 1 TO DECEMBER 31, 2024 AND 2023
(IN MILLIONS OF RUPIAH)
INDIVIDUAL CONSOLIDATED
JAN 1, 2024 JAN 1, 2023 JAN 1, 2024 JAN 1, 2023
NO ACCOUNTS TO TO TO TO
DEC 31, 2024 DEC 31, 2023 DEC 31, 2024 DEC 31, 2023
(Audited) (Audited) (Audited) (Audited)
Current Year Net Profit (Loss) Attributable to :
- OWNER OF COMPANY 21,206,337 20,784,198 21,463,599 20,909,476
- NON CONTROLLING INTEREST 205,798 196,752
TOTAL CURRENT YEAR NET PROFIT (LOSS) 21,206,337 20,784,198 21,669,397 21,106,228
Total Comprehensive Profit (Loss) For The Year Attributable to :
- OWNER OF COMPANY 22,383,518 21,397,922 22,538,872 21,559,964
- NON CONTROLLING INTEREST 127,466 219,559
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 22,383,518 21,397,922 22,666,338 21,779,523
PROFIT (LOSS) TRANSFER TO HEAD OFFICE - - - -
DIVIDEND - - - -
BASIC EARNINGS PER SHARE (in rupiah unit) 576 561
4Q24 Publication Report > PT Bank Negara Indonesia (Persero) Tbk
Page 6
Statements of Commitments and Contingencies & Financial Ratios
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
AS OF DECEMBER 31, 2024 AND 2023
(IN MILLIONS OF RUPIAH)
INDIVIDUAL CONSOLIDATED
NO ACCOUNTS DEC 31, 2024 DEC 31, 2023 DEC 31, 2024 DEC 31, 2023
(Audited) (Audited) (Audited) (Audited)
I. COMMITMENT RECEIVABLES
1. Undisbursed borrowings/financing facilities - - - -
2. Outstanding of foreign currency from spot and derivatives/forward (purchased) 211,119,603 95,742,672 211,119,603 95,742,672
3. Others 87,401 83,611 87,401 83,611
II. COMMITMENT PAYABLES
1. Unused loan/financing facilities to debtors
a. Committed 3,343,621 581,490 6,006,666 2,065,966
b. Uncommitted 51,512,697 53,812,752 51,546,141 53,817,295
2. Outstanding irrevocable L/C 9,945,104 16,842,394 9,952,660 16,854,306
3. Outstanding of foreign currency from spot and derivatives/forward (sold) 210,837,973 95,576,152 210,837,973 95,576,152
4. Others 87,401 83,611 87,401 83,611
III. CONTINGENT RECEIVABLES
1. Guarantees received 27,161,836 23,425,868 27,161,836 23,425,868
2. Others 533,640 458,646 533,640 458,646
IV. CONTINGENT PAYABLES
1. Guarantees issued 73,160,590 66,624,999 73,450,980 66,777,131
2. Others 3,084,109 1,995,082 3,119,342 2,000,569
FINANCIAL RATIOS
AS OF DECEMBER 31, 2024 AND 2023
INDIVIDUAL
NO RATIOS DEC 31, 2024 DEC 31, 2023
(Audited) (Audited)
Performance Ratio
1. Capital Adequacy Ratio (CAR) 21.40% 21.95%
2. Non performing earning assets and non earning assets to total earning assets and non earning assets 1.49% 1.56%
3. Non performing earning assets to total earning assets 1.42% 1.48%
4. Allowance of impairment on financial assets to total earning assets 3.93% 5.19%
5. Gross NPL 1.97% 2.14%
6. Net NPL 0.74% 0.61%
7. Return on Asset (ROA) 2.51% 2.60%
8. Return on Equity (ROE) 15.81% 16.84%
9. Net Interest Margin (NIM) 4.24% 4.58%
10. Operating Expenses to Operating Income 70.05% 68.40%
11. Cost to Income Ratio (CIR) 44.61% 42.90%
12. Loan to Deposit Ratio (LDR) 96.07% 85.81%
Compliance
1. a. Percentage Violation of Legal Lending Limit
I. Related parties 0.00% 0.00%
II. Non-related parties 0.00% 0.00%
b. Percentage Excess of Legal Lending Limit
I. Related parties 0.00% 0.00%
II. Non-related parties 0.00% 0.00%
2. Minimum Statutory Reserve Requirement
a. Minimum Statutory Reserve Requirement (Rupiah) 6.51% 9.53%
- Daily 0.00% 0.00%
- Average 6.51% 9.53%
b. Minimum Statutory Reserve Requirement (Foreign currencies) 4.01% 4.01%
- Daily 2.00% 2.00%
- Average 2.01% 2.01%
3. Net Open Position (Aggregate) 0.87% 1.68%
4Q24 Publication Report > PT Bank Negara Indonesia (Persero) Tbk
Page 7
Calculation of Capital Adequacy Ratio
CALCULATION OF CAPITAL ADEQUACY RATIO
AS OF DECEMBER 31, 2024 AND 2023
(IN MILLIONS RUPIAH)
DEC 31, 2024 DEC 31, 2023
NO CAPITAL COMPONENTS Individual Consolidated Individual Consolidated
(Audited) (Audited) (Audited) (Audited)
I. Tier 1 Capital 142,043,039 147,431,803 130,937,557 147,488,111
1. Common Equity Tier 1 (CET 1) 132,386,039 137,774,803 121,699,357 138,249,911
1.1 Paid in Capital (excluding treasury stock) 9,054,807 9,054,807 8,874,847 8,874,847
1.2 Reserve additional capital 148,693,050 149,467,362 137,212,316 137,816,126
1.2.1 Additional Factors 150,855,848 151,458,941 138,840,683 139,333,187
1.2.1.1 Other comprehensive income 16,646,723 16,692,474 15,383,157 15,428,908
1.2.1.1.1 Excess adjustment due to financial statement translation - - - -
1.2.1.1.2 Potential gain due to increases of fair value of financial asset through other comprehensive income - - - -
1.2.1.1.3 Fixed assets revaluation 16,646,723 16,692,474 15,383,157 15,428,908
1.2.1.2 Other disclosed reserves 134,209,125 134,766,467 123,457,526 123,904,279
1.2.1.2.1 Agio 19,633,584 17,010,254 19,633,584 17,010,254
1.2.1.2.2 General reserves 2,778,412 2,778,412 2,778,412 2,778,412
1.2.1.2.3 Previous years profit 90,590,792 93,660,876 80,261,332 83,406,009
1.2.1.2.4 Current year profit 21,206,337 21,316,925 20,784,198 20,709,604
1.2.1.2.5 Paid in capital fund - - - -
1.2.1.2.6 Others - - - -
1.2.2 Deduction Factors (2,162,798) (1,991,579) (1,628,367) (1,517,061)
1.2.2.1 Other comprehensive income (1,523,897) (1,324,645) (1,018,295) (876,504)
1.2.2.1.1 Negative adjustment due to financial statement translation (97,232) (96,998) (58,923) (58,367)
1.2.2.1.2 Potential losses due to impairment of fair value of financial asset through other comprehensive income (1,426,665) (1,227,647) (959,372) (818,137)
1.2.2.2 Other disclosed reserves (638,901) (666,934) (610,072) (640,557)
1.2.2.2.1 Disagio - - - -
1.2.2.2.2 Previous years losses - - - -
1.2.2.2.3 Current year loss - - - -
1.2.2.2.4 Negative differences between regulatory provision and allowance for impairment losses of earning assets - - - -
1.2.2.2.5 Negative differences on adjustment of fair value on financial instrument in the trading book - - - -
1.2.2.2.6 Regulatory provision on non earning assets (638,901) (666,934) (610,072) (640,557)
1.2.2.2.7 Others - - - -
1.3 Minority Interest - - - -
1.4 Deduction Factors of CET 1 (25,361,818) (20,747,366) (24,387,806) (8,441,062)
1.4.1 Deferred tax (6,786,151) (6,861,658) (7,276,800) (7,302,372)
1.4.2 Goodwill - (727,786) - (727,786)
1.4.3 Other intangible assets - (15,528) - (16,637)
1.4.4 Equity investment (18,575,667) (13,142,394) (17,111,006) (394,267)
1.4.5 Shortfall on the capital of insurance subsidiary - - - -
1.4.6 Exposure of securitization - - - -
1.4.7 Other deduction factors of CET 1 - - - -
1.4.7.1 Investment on AT 1 and/or Tier 2 Instrument in other bank - - - -
1.4.7.2 Cross-ownership in another entity acquired by the transition due to the law, a grant or grants will - - - -
1.4.7.3 Exposures that give rise to Credit Risk due to settlement failure (settlement risk) - Non Delivery Versus Payment - - - -
1.4.7.4 Exposures in Subsidiary Companies that carry out business activities based on sharia principles (if any) - - - -
4Q24 Publication Report > PT Bank Negara Indonesia (Persero) Tbk
Page 8
Calculation of Capital Adequacy Ratio
CALCULATION OF CAPITAL ADEQUACY RATIO
AS OF DECEMBER 31, 2024 AND 2023
(IN MILLIONS RUPIAH)
DEC 31, 2024 DEC 31, 2023
NO CAPITAL COMPONENTS Individual Consolidated Individual Consolidated
(Audited) (Audited) (Audited) (Audited)
2. Additional Tier 1 (AT 1) 9,657,000 9,657,000 9,238,200 9,238,200
2.1 Instrument which comply with AT 1 regulations 9,657,000 9,657,000 9,238,200 9,238,200
2.2 Agio/Disagio - - - -
2.3 Deduction factors of AT 1 - - - -
2.3.1 Investment on AT 1 and/or Tier 2 Instrument in other bank - - - -
2.3.2 Cross-ownership in another entity acquired by the transition due to the law, a grant or grants will - - - -
II. Tier 2 Capital 10,264,378 10,456,938 11,078,832 11,542,216
1. Capital Instrument in the form of Stock or others which comply with Tier 2 regulations 2,011,875 2,011,875 3,464,325 3,464,325
2. Agio/Disagio - - - -
3. General provision of earning assets (maximum 1.25% of RWA for Credit Risk) 8,252,503 8,445,063 7,614,507 8,077,891
4. Deduction Factor of Tier 2 Capital - - - -
4.1 Sinking Fund - - - -
4.2 Investment on Tier 2 Instrument in other bank - - - -
4.3 Cross-ownership in another entity acquired by the transition due to the law, a grant or grants will - - - -
TOTAL CAPITAL 152,307,417 157,888,741 142,016,389 159,030,327
DEC 31, 2024 DEC 31, 2023 DEC 31, 2024 DEC 31, 2023
Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated
(Audited) (Audited) (Audited) (Audited) (Audited) (Audited) (Audited) (Audited)
RISK WEIGHTED ASSET CAPITAL ADEQUACY RATIO (CAR)
RISK WEIGHTED ASSET (RWA) FOR
CET 1 Ratio (%) 18.60% 18.91% 18.81% 20.19%
CREDIT RISK 660,200,271 675,605,069 609,160,539 646,231,269
RISK WEIGHTED ASSET (RWA) FOR
Tier 1 Ratio (%) 19.96% 20.24% 20.24% 21.54%
MARKET RISK 14,162,497 14,901,051 2,811,621 2,770,525
RISK WEIGHTED ASSET (RWA) FOR
Tier 2 Ratio (%) 1.44% 1.43% 1.71% 1.68%
OPERATIONAL RISK 37,410,865 37,972,276 34,966,876 35,775,625
RISK WEIGHTED ASSET (RWA) TOTAL 711,773,633 728,478,396 646,939,036 684,777,419 CAR (%) 21.40% 21.67% 21.95% 23.22%
CAR BASED ON RISK PROFILE (%) 9.80% 9.80% 9.80% 9.80% CET 1 Allocation for Buffer (%) 11.60% 11.87% 12.15% 13.42%
CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF CAPITAL BUFFER (%)
From CET 1 (%) 7.00% 7.04% 6.66% 6.77% Capital Conservation Buffer (%) 2.50% 2.50% 2.50% 2.50%
From AT 1 (%) 1.36% 1.33% 1.43% 1.35% Countercyclical Buffer (%) 0.00% 0.00% 0.00% 0.00%
From Tier 2 (%) 1.44% 1.43% 1.71% 1.68% Capital Surcharge for D-SIB (%) 1.50% 1.50% 1.50% 1.50%
4Q24 Publication Report > PT Bank Negara Indonesia (Persero) Tbk
Page 9
Earning Assets Quality and Other Information
EARNING ASSETS QUALITY AND OTHER INFORMATION
AS OF DECEMBER 31, 2024 AND 2023
(IN MILLIONS OF RUPIAH)
INDIVIDUAL
DEC 31, 2024 (Audited) DEC 31, 2023 (Audited)
NO ACCOUNTS
Special Special
Current Substandard Doubtful Loss Total Current Substandard Doubtful Loss Total
Mention Mention
I. RELATED PARTIES
1. Placement with other banks - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currency - - - - - - - - - - - -
2. Spot and derivatives/forward
receivables - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currency - - - - - - - - - - - -
3. Securities 13,782 - - - - 13,782 13,807 - - - - 13,807
a. Rupiah 13,782 - - - - 13,782 13,807 - - - - 13,807
b. Foreign currency - - - - - - - - - - - -
4. Securities sold repurchase
agreement (repo) - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currency - - - - - - - - - - - -
5. Claims on securities bought under
reverse repo - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currency - - - - - - - - - - - -
6. Acceptance receivables - - - - - - 1,007 - - - - 1,007
7. Loans and financing provided 1,938,126 - - - - 1,938,126 1,774,577 75 - - - 1,774,652
a. Micro, small and medium
enterprises (UMKM) - - - - - - - - - - - -
i. Rupiah - - - - - - - - - - - -
ii. Foreign currency - - - - - - - - - - - -
b. Non micro, small and medium
enterprises (Non UMKM) 1,938,126 - - - - 1,938,126 1,774,577 75 - - - 1,774,652
i. Rupiah 1,938,126 - - - - 1,938,126 1,774,577 75 - - - 1,774,652
ii. Foreign currency - - - - - - - - - - - -
c. Restructured loans - - - - - - - - - - - -
i. Rupiah - - - - - - - - - - - -
ii. Foreign currency - - - - - - - - - - - -
8. Equity investment - - - - - - - - - - - -
9. Other bills *) - - - - - - - - - - - -
10. Commitment and contingencies 158,639 - - - - 158,639 11,048 - - - - 11,048
a. Rupiah 158,639 - - - - 158,639 11,048 - - - - 11,048
b. Foreign currency - - - - - - - - - - - -
*) Among other things, it consists of unaccepted sight L/C or usance L/C bills, travel checks purchased / taken over, advances to customers, collection bills, bailouts in the framework of government programs.
4Q24 Publication Report > PT Bank Negara Indonesia (Persero) Tbk
Page 10
Earning Assets Quality and Other Information
EARNING ASSETS QUALITY AND OTHER INFORMATION
AS OF DECEMBER 31, 2024 AND 2023
(IN MILLIONS OF RUPIAH)
INDIVIDUAL
DEC 31, 2024 (Audited) DEC 31, 2023 (Audited)
NO ACCOUNTS
Special Special
Current Substandard Doubtful Loss Total Current Substandard Doubtful Loss Total
Mention Mention
II.NON-RELATED PARTIES
1. Placement with other banks 26,147,584 - - - - 26,147,584 37,099,494 - - - - 37,099,494
a. Rupiah 235,120 - - - - 235,120 665,400 - - - - 665,400
b. Foreign currency 25,912,464 - - - - 25,912,464 36,434,094 - - - - 36,434,094
2. Spot and derivatives/forward
receivables 1,792,978 - - - - 1,792,978 995,677 - - - - 995,677
a. Rupiah 774,256 - - - - 774,256 148,733 - - - - 148,733
b. Foreign currency 1,018,722 - - - - 1,018,722 846,944 - - - - 846,944
3. Securities 147,174,000 - 316,989 - - 147,490,989 141,236,818 - 291,324 - 242,790 141,770,932
a. Rupiah 112,628,695 - - - - 112,628,695 104,590,976 - - - 242,790 104,833,766
b. Foreign currency 34,545,305 - 316,989 - - 34,862,294 36,645,842 - 291,324 - - 36,937,166
4. Securities sold repurchase
agreement (repo) 10,892,911 - - - - 10,892,911 7,806,645 - - - - 7,806,645
a. Rupiah 9,797,511 - - - - 9,797,511 6,512,615 - - - - 6,512,615
b. Foreign currency 1,095,400 - - - - 1,095,400 1,294,030 - - - - 1,294,030
5. Claims on securities bought under
reverse repo 7,281,260 - - - - 7,281,260 9,948,586 - - - - 9,948,586
a. Rupiah 6,142,073 - - - - 6,142,073 9,651,897 - - - - 9,651,897
b. Foreign currency 1,139,187 - - - - 1,139,187 296,689 - - - - 296,689
6. Acceptance receivables 15,950,508 52,305 - - - 16,002,813 17,543,782 - - - - 17,543,782
7. Loans and financing provided 715,391,501 29,235,457 3,788,027 2,087,661 9,109,531 759,612,177 637,616,336 33,811,909 2,916,558 2,818,918 8,974,161 686,137,882
a. Micro, small and medium
enterprises (UMKM) 108,247,788 3,242,988 890,160 1,023,150 3,717,160 117,121,246 104,490,961 3,522,394 737,029 769,204 3,704,927 113,224,515
i. Rupiah 107,243,962 3,229,490 890,160 1,023,150 3,675,746 116,062,508 103,338,140 3,522,394 737,029 769,204 3,704,927 112,071,694
ii. Foreign currency 1,003,826 13,498 - - 41,414 1,058,738 1,152,821 - - - - 1,152,821
b. Non micro, small and medium
enterprises (Non UMKM) 607,143,713 25,992,469 2,897,867 1,064,511 5,392,371 642,490,931 533,125,375 30,289,515 2,179,529 2,049,714 5,269,234 572,913,367
i. Rupiah 450,142,076 21,005,482 2,212,764 1,064,511 4,886,104 479,310,937 412,375,659 21,649,616 917,753 2,047,107 4,591,692 441,581,827
ii. Foreign currency 157,001,637 4,986,987 685,103 - 506,267 163,179,994 120,749,716 8,639,899 1,261,776 2,607 677,542 131,331,540
c. Restructured loans 34,390,554 25,216,693 2,937,310 654,477 3,355,003 66,554,037 40,486,852 29,433,349 2,353,219 677,484 2,293,901 75,244,805
i. Rupiah 24,483,136 20,231,276 2,252,207 654,477 3,200,555 50,821,651 32,402,912 21,421,453 1,091,443 677,484 2,099,479 57,692,771
ii. Foreign currency 9,907,418 4,985,417 685,103 - 154,448 15,732,386 8,083,940 8,011,896 1,261,776 - 194,422 17,552,034
8. Equity investment 18,701,081 - - - - 18,701,081 17,221,103 - - - - 17,221,103
9. Other bills *) 15,384,231 - - - - 15,384,231 16,412,144 - - - - 16,412,144
10. Commitment and contingencies 134,747,236 2,128,131 41,844 54,329 831,833 137,803,373 134,322,366 2,879,287 67,806 80,155 500,973 137,850,587
a. Rupiah 80,157,802 651,781 41,587 54,329 831,833 81,737,332 80,890,853 1,205,485 67,806 80,155 500,973 82,745,272
b. Foreign currency 54,589,434 1,476,350 257 - - 56,066,041 53,431,513 1,673,802 - - - 55,105,315
III. OTHER INFORMATION
1. Assets pledged as collateral - -
a. To Bank Indonesia - -
b. To other parties - -
2. Foreclosed assets 827,183 842,541
*) Among other things, it consists of unaccepted sight L/C or usance L/C bills, travel checks purchased / taken over, advances to customers, collection bills, bailouts in the framework of government programs.
4Q24 Publication Report > PT Bank Negara Indonesia (Persero) Tbk
Page 11
Allowance for Impairments Losses on Earning Assets
ALLOWANCE FOR IMPAIRMENTS LOSSES ON EARNINGS ASSETS
AS OF DECEMBER 31, 2024 AND 2023
(IN MILLIONS RUPIAH)
INDIVIDUAL
DEC 31, 2024 (Audited) DEC 31, 2023 (Audited)
NO ACCOUNTS Required allowance for Required allowance for
Allowance for impairments Allowance for impairments
losses on earning assets losses on earning assets
Stage 1 Stage 2 Stage 3 General Special Stage 1 Stage 2 Stage 3 General Special
1. Placement with other banks 12 - - 261,476 - 3 - - 370,995 -
2. Spot and derivatives/forward receivables - - - 17,930 - - - - 9,957 -
3. Securities 35,872 - - 323,957 47,548 69,847 - 242,790 357,808 286,489
4. Securities sold repurchase agreement (repo) - - - 108,929 - - - - 78,066 -
5. Claims on securities bought under reverse repo - - - 72,813 - - - - 99,486 -
6. Acceptance receivables 42,330 50,841 - 159,505 2,615 41,430 435,932 - 175,448 -
7. Loans and financing provided 4,014,281 16,672,118 17,642,198 7,173,296 12,183,338 4,057,772 19,054,544 23,813,007 6,393,909 12,511,703
8. Equity investment - - - 187,011 - - - - 172,211 -
9. Other bills *) 1,051,487 583 153,842 - 675,432 191,377 - 164,121 -
10. Commitment and contingencies 508,339 1,447,088 317,995 824,922 971,682 487,967 1,168,446 508,645 825,143 695,186
*) Among other things, it consists of unaccepted sight L/C or usance L/C bills, travel checks purchased / taken over, advances to customers, collection bills, bailouts in the framework of government programs.
4Q24 Publication Report > PT Bank Negara Indonesia (Persero) Tbk
Page 12
Statements of Spot and Derivative Transactions
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
AS OF DECEMBER 31, 2024 (AUDITED)
(IN MILLIONS OF RUPIAH)
INDIVIDUAL
NO TRANSACTIONS Type Derivative Receivables and Payables
Notional Amount
Trading Hedging Receivable Payable
A. Exchange Rate Related
1. Spot 10,023,765 10,023,765 - 14,473 14,010
2. Forward 22,466,608 22,466,608 - 185,233 136,804
3. Option
a. Sell - - - - -
b. Buy - - - - -
4. Future - - - - -
5. Swap 58,647,204 58,647,204 - 521,746 399,190
6. Others - - - - -
B. Interest Rate Related
1. Forward - - - - -
2. Option
a. Sell 40,076,550 40,076,550 - 106,802 362,141
b. Buy 40,076,550 40,076,550 - 362,558 73,145
3. Future - - - - -
4. Swap 8,532,572 8,532,572 - 167,815 139,124
5. Others - - - - -
C. Others 24,041,893 24,041,893 - 434,351 354,771
TOTAL 203,865,142 203,865,142 - 1,792,978 1,479,185
4Q24 Publication Report > PT Bank Negara Indonesia (Persero) Tbk
Page 13
Statements of Cash Flows
STATEMENTS OF CASH FLOWS
FOR THE PERIOD ENDED DECEMBER 31, 2024 AND 2023
(IN MILLIONS RUPIAH)
CONSOLIDATED
CASH FLOWS DEC 31, 2024 DEC 31, 2023
(Audited) (Audited)
CASH FLOWS FROM OPERATING ACTIVITIES
Receipts from interest income 66,149,661 60,989,587
Payments of interest expense (26,031,790) (19,944,410)
Premium and investment income 6,876,597 6,853,074
Claim expenses (5,017,507) (5,193,773)
Other operating income 26,436,787 16,949,163
Other operating expenses (28,632,962) (23,283,035)
Non-operating income/(expenses) - net (35,455) (133,598)
Payment of income tax (4,349,809) (5,151,648)
Cash flows before changes in operating assets and liabilities 35,395,522 31,085,360
Changes in operating assets and liabilities:
(Increase)/decrease in operating assets :
Placements with Bank Indonesia and other banks (52,468) (440,595)
Marketable securities and Government Bonds at fair value through profit or loss (14,115,494) (5,027,231)
Securities purchased under agreements to resell 5,979,421 2,679,927
Bills and other receivables 5,981,641 1,624,634
Loans (99,510,845) (63,286,794)
Acceptances receivables 1,549,905 2,445,553
Prepaid expenses (197,779) 500,290
Foreign exchange term deposit from export activities 1,631,137 (2,540,505)
Other assets 1,667,443 (93,469)
(Decrease)/increase in operating liabilities:
Obligations due immediately 219,768 608,592
Deposits from customers (5,219,495) 41,461,352
Deposits from other banks 6,654,476 (3,350,566)
Liabilities related to foreign exchange term deposit from export activities (1,631,137) 2,540,505
Accrued expenses (134,560) 223,195
Employee benefits (507,803) 701,494
Acceptances payables (1,519,063) 447,304
Taxes payable (26,693) (38,297)
Other liabilities 618,111 852,115
Net cash (used in) provided from operating activities (63,217,913) 10,392,864
CASH FLOWS FROM INVESTING ACTIVITIES
Proceed from marketable securities measured at fair value through other comprehensive income and amortised cost 192,702,098 55,841,139
Placement from marketable securities measured at fair value through other comprehensive income and amortised cost (193,676,092) (58,100,935)
Proceed of Government Bonds at fair value through other comprehensive income and amortised cost 133,707,136 55,658,940
Placement of Goverment Bonds at fair value through other comprehensive income and amortised cost (134,923,291) (61,028,460)
Acquisition of fixed assets (3,106,669) (2,355,060)
Proceeds from sale of fixed assets 26,713 13,119
Capital injection in Subsidiary - (800,000)
Net cash used in investing activities (5,270,105) (10,771,257)
CASH FLOWS FROM FINANCING ACTIVITIES
Receipt from borrowings 29,009,391 15,899,532
Payment for borrowings (16,584,455) (20,658,021)
Receipt in securities sold under agreements to repurchase 9,351,740 6,382,251
Payment for securities sold under agreements to repurchase (920,846) (2,370,705)
Receipt in securities issued 8,187,500 -
Treasury shares - (179,960)
Payment of lease liabilities (870,149) (240,769)
Payment of dividends (10,454,738) (7,324,821)
Net cash provided from (used in) financing activities 17,718,443 (8,492,493)
NET DECREASE IN CASH AND CASH EQUIVALENTS (50,769,575) (8,870,886)
CASH AND CASH EQUIVALENTS AT BEGINNING OF THE PERIOD 154,879,093 163,900,321
Effect of foreign currency exchange rate changes (34,754) (150,342)
CASH AND CASH EQUIVALENTS AT THE END OF THE PERIOD 104,074,764 154,879,093
COMPONENTS OF CASH AND CASH EQUIVALENTS:
Cash 13,709,930 11,207,201
Current accounts with Bank Indonesia 51,669,054 65,256,432
Current accounts with other banks 22,074,186 35,022,769
Placement with Bank Indonesia and other banks - maturing within three months of acquisition date 16,621,594 43,392,691
Total cash and cash equivalents 104,074,764 154,879,093
4Q24 Publication Report > PT Bank Negara Indonesia (Persero) Tbk
Page 14
Shareholder & Management of The Bank
SHAREHOLDER
PT BANK NEGARA INDONESIA (PERSERO) Tbk
SHAREHOLDER
Ultimate Shareholder
Republic of Indonesia : 60.00%
Non Ultimate Shareholder through Capital Market (≥ 5%) : Nil
Non Ultimate Shareholder through non Capital Market (≥ 5%) : Nil
MANAGEMENT OF THE BANK
PT BANK NEGARA INDONESIA (PERSERO) Tbk
BOARD OF COMMISSIONERS BOARD OF DIRECTORS
President Commissioner/ : Pradjoto President Director (CEO) : Royke Tumilaar
Independent Commissioner
Vice President Commissioner : Pahala Nugraha Mansury Vice President Director : Putrama Wahju Setyawan
Independent Commissioner : Sigit Widyawan Managing Director - Finance (CFO) : Novita Widya Anggraini
Independent Commissioner : Asmawi Syam Managing Director - Wholesale & International Banking : Agung Prabowo
Independent Commissioner : Septian Hario Seto Managing Director - Enterprise & Commercial Banking : I Made Sukajaya
Independent Commissioner : Iman Sugema Managing Director - Risk Management : David Pirzada
Independent Commissioner : Erwin Rijanto Slamet Managing Director - Institutional Banking : Munadi Herlambang*)
Commissioner : Askolani Managing Director - Network & Services : Ronny Venir
Commissioner : Mohamad Yusuf Permana Managing Director - Digital & Integrated Transaction Banking : Hussein Paolo Kartadjoemena
Commissioner : Fadlansyah Lubis Managing Director - Retail Banking : Corina Leyla Karnalies
Commissioner : Robertus Billitea Managing Director - Technology & Operations : Toto Prasetio
Managing Director - Human Capital & Compliance : Mucharom
*) Effective after the issuance of approval from the Financial Service Authority.
Jakarta, January 22, 2025
S.E. & O
PT BANK NEGARA INDONESIA (PERSERO) Tbk
Director
ROYKE TUMILAAR NOVITA WIDYA ANGGRAINI
PRESIDENT DIRECTOR (CEO) MANAGING DIRECTOR - FINANCE (CFO)
4Q24 Publication Report > PT Bank Negara Indonesia (Persero) Tbk
Page 15
Notes
NOTES
1. The consolidated financial information presentation on publication report is extracted from the Consolidated Financial Statements of PT Bank Negara Indonesia (Persero)
Tbk. (the “Bank”) and its subsidiaries as of and for the years ended December 31, 2024 and 2023, prepared by the Bank’s management of which the Consolidated Financial
Statements as of and for the years ended December 31, 2024 and 2023 have been audited by KAP Rintis, Jumadi, Rianto & Rekan (previously KAP Tanudiredja, Wibisana,
Rintis & Rekan and a member of the PricewaterhouseCoopers network of firms) with Jimmy Pangestu, S.E., CPA (2023: Drs. M. Jusuf Wibisana, M.Ec., CPA), as partner in
charge, independent auditor, in accordance with Standards on Auditing established by the Indonesian Institute of Certified Public Accountants, with an unmodified opinion, as
stated in their reports dated January 22, 2025 and January 25, 2024 which is not included in this publication. Since the above consolidated financial information is extracted
from the Audited Consolidated Financial Statements, therefore those information is not a complete presentation of the Audited Consolidated Financial Statements.
2. The above published Financial Statements are presented to comply with:
a. Financial Services Authority Regulation (POJK) Number 37/POJK.03/2019 dated December 19, 2019 regarding “Transparency and Published Financial Statements of The
Banks”.
b. Circular Letter of Financial Services Authority (SEOJK) Number 9/SEOJK.03/2020 dated June 30, 2020 regarding “Transparency and Published Financial Statements of
The Commercial Banks”.
c. The Minimum Capital Requirement for Commercial Banks is presented in accordance with POJK Number 11/POJK.03/2016 dated January 29, 2016 concerning Minimum
Capital Requirements for Commercial Banks as amended by OJK Regulation (POJK) Number 34/POJK.03/2016 dated September 22, 2016 and lastly amended by POJK
Number 27, 2022 dated December 26, 2022.
d. Financial Services Authority (POJK) Number 14/POJK.4/2022 dated August 18, 2022 regarding “Submission of Periodic Financial Statements for Issuers or Public
Companies”.
e. Capital Market and Financial Institution Supervisory Agency (Bapepam-LK) Regulation Number VIII.G.7, Decision of Chairman of Bapepam-LK Number KEP-347/BL/2012
dated June 25, 2012 regarding “Presentation and Disclosure of Periodic Financial Statements for Issuers or Public Companies”.
3. Related Parties in the Productive Assets Quality and Other Information Report are presented in accordance with Bank Indonesia Regulation No. 7/3/PBI/2005 dated
January 20, 2005, as last amended by the Financial Services Authority Regulation No. 38/POJK.03/2019 dated December 19, 2019 regarding the Amendment of Financial
Services Authority Regulation No. 32/POJK.03/2018 concerning The Legal Lending Limit and Provisions of Large Fund for Commercial Banks.
4. Exchange rate of 1 US Dollar as of December 31, 2024, and December 31, 2023, were IDR16,095.00, and IDR15,397.00, respectively.
5. Basic earnings per share is computed by dividing income for the year available to shareholders of ordinary shares (residual income) by the weighted average number of
ordinary shares outstanding during the period.
4Q24 Publication Report > PT Bank Negara Indonesia (Persero) Tbk
Page 16
2025
Names mentioned 32 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Financial Services Authority
p.1 ×6
unresolved
org
Bank Indonesia
p.2 ×7
unresolved
—
CEO
· President Director
p.14
unresolved
org
Rintis
p.15
unresolved
org
Rianto & Rekan
p.15
unresolved
org
Tanudiredja
p.15
unresolved
org
Rintis & Rekan
p.15
unresolved
person
Jimmy Pangestu
p.15
unresolved
org
Bapepam-LK
p.15 ×4
unresolved
org
Bank Indonesia Regulation
p.15
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