20250102_BSWD_Public Expose_31842058_lamp4.pdf

Bank of India
Indonesia

In the guestion and answer session attended by around 4 (four) media, we can summarize it as

follows

1. Kontan

Since the free float has been fulfilled, is there a plan for PT Bank of India Indonesia
(BOII) to increase the public ownership ratio next year and perhaps is there a plan
for a rights issue or other corporate actions?

Answer :

So far, the Bank has no plans for a rights issue in 2025, but it is possible that the
Corporate action can be implemented in 2026 after seeing the bank's positive growth
results in 2025.

Regarding RBB in 2025, what will be the Bank's Business Plan in 2025?

Answer :

The Banks Business Plan is to set a credit growth target of 1596 year on year (YO),
higher than in 2024 which is projected to grow by 1196 yoy. With better credit
growth in 2025, the Bank projected that it can also boost net profit growth next
year. The Bank has also provided more CKPN for bad loans in the last 2 to 3 years.
Hence any recovery can go directly to the profit of the Bank.

What is the Bank's strategy in 2025 to improve the Bank's Business?

Answer :

As for 2025, Bank of India Indonesia Tbk (BOII) will increase the portion of low-cost
funds to 256 of total third party funds (DPK). To support this, the bank will
maximize e-channel services such as mobile banking and internet banking, which
have been successfully launched for both individual and business customers. This
service, together with BI-FAST support as a transfer feature, will make it easier for
customers to carry out transactions guickly and efficiently, while supporting the
growth of low-cost funds. BOII will also introduce the ORIS facility, which allows
customers to make payments and transfers easily, guickly and safely in various
locations.

In addition, BOII will implement a new system, including a loan origination system
(LOS) and loan channeling. With LOS, the credit application process will be
simplified, credit assessment efficiency will be improved, and credit approval time
will be shortened. This provides debtors with easier access to credit products that
Suit their needs, with more transparent procedures and faster processes.

Meanuhile, loan channeling will expand access for Banks to provide financing to
debtors through partnerships with third parties, thus enabling Banks to offer more
affordable and easily accessible financing solutions to various market segments.

Jl. K.H. Samanhudi No. 37, Jakarta Pusat 10710, Telp. : (021) 3500007 (Hunting), Fax. : (021) 3808178
e-mail : corporate@boiindonesia.co.id, Website : www.bolindonesia.co.id, SWIFT BIC : BKIDIDJA

Bank of India
Indonesia

2. Warta.In
- WIII there be any dividend distribution this year?
Answer:
Currentiy the Bank cannot distribute dividends, the decision not to distribute

dividends this year is based on the consideration that the company has still negative
retained earnings.

- Regarding the addition of the company's Board of Directors, what strategy is the
company implementing regarding the addition of the Board of Directors?
Answer :
The company's decision to add a Finance Director position to the Board of Directors
is due to the need for more complex financial management and also to increase
focus on financial strategy, especially to ensure the transition process runs smoothly
so that the addition of this Board of Directors member can have a positive impact.
The addition of the bank's Board of Directors members is also part of an effort to
fulfill the provisions of the Financial Services Authority Regulation (POJK), especially
POJK 17 of 2023 concerning the implementation of governance for commercial
banks.

3. Infobank
Regarding the Government's policy to increase VAT to 1296, what is the Bank's strategy
to deal with this policy and what is the impact of this policy on credit distribution at
BOI1?
Answer:

The increase in Value Added Tax (VAT) to 1296 will certainly have an impact on various
sectors, including banking. With the policy of increasing VAT to 1296, it will certainly
affect customers a lot, customers will feel the impact of 12Yo VAT and ask for
compensation from the Bank in various forms.

BOII ensures that they will look at consumers' backgrounds, and try to make their
burden lighter, based on this policy. For example, BOII can reduce credit interest rates
for customers, so they don't feel burdened. In the midst of the 1296 VAT policy, BOII is
optimistic about achieving net profit growth of up to 10094 by the end of 2025. In terms
Of credit distribution, growth is targeted at 15Yo. One plan is to start distributing credit
in the retail sector. BOII itself distributes more credit to corporations or small and
medium enterprises (SMES), with a ratio of 60-40.

Next year, we will create a loan origination system (LOS). Once completed, we can
Channel more credit to the retail sector. Apart from that, the Bank will also carry out

Jl. K.H. Samanhudi No. 37, Jakarta Pusat 10720, Telp. : (021) 3500007 (Hunting), Fax. : (021) 3808178
e-mail : corporate@boiindonesia.co.id, Website : www.boiindonesia.co.id, SWIFT BIC : BKIDIDJA

Bank of India
Indonesia

Channeling with other parties, in order to expand credit access and improving the
guality of mobile banking applications to attract more customers.

Thus we convey the results of the Public Expose of PT Bank of India India Tbk.

Best regards,
Bank of India Indonesia Tbk

Jl. K.H. Samanhudi No. 37, Jakarta Pusat 10710, Telp. : (021) 3500007 (Hunting), Fax. : (021) 3808178
e-mail : corporate@boiindonesia.co.id, Website : www.bolindonesia.co.id, SWIFT BIC : BKIDIDJA