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Jakarta, 2,, OCT 2024
Nomor : CSE/7/f IS)-
Lampiran : 1 (satu) set
Kepada Yth.
Otoritas Jasa Keuangan
Gedung Soemitro Djojohadikusumo
JI. Lapangan Banteng Timur 2-4
Jakarta 10710
Up. Kepala Eksekutif Pengawas Pasar Modal, Keuangan Derivatif, dan Bursa Karbon
Perihal Laporan lnformasi atau Fakta Material
Pemaparan Kinerja oleh Perusahaan Tercatat kepada Pihak Tertentu (Earnings
Call)
Dengan ini kami untuk dan atas nama PT Bank Negara Indonesia (Persero) Tbk. ("Perseroan")
menyampaikan Laporan lnformasi atau Fakta Material untuk memenuhi Peraturan OJK
No. 31/POJK.04/2015 tentang Keterbukaan atas lnformasi atau Fakta Material oleh Emiten atau
Perusahaan Publik dan Peraturan Bursa Efek Indonesia No. I-E Kep-00015/BEl/01-2021 tentang
Kewajiban Penyampaian lnformasi, serta peraturan terkait lainnya:
Nama Emiten atau Perusahaan Publik PT Bank Negara Indonesia (Persero) Tbk
Bidang Usaha Perbankan & Kegiatan Usaha Penunjang Lainnya
Telepon 021 - 5728387
Alamat surat elektronik (e-mail) bni@bni.co.id / Corporate.Secretary@bni.co.id
1. Tanggal kejadian 25 Oktober 2024
2. Jenis lnformasi atau Fakta lnformasi atau fakta material lainnya:
Material Perseroan menyelenggarakan Earnings Call Kinerja
30 September 2024 (unaudited)
3. Uraian lnformasi atau Fakta -
Material
4. a. Dampak terhadap kegiatan -
operasional
b. Dampak Hukum -
C. Dampak terhadap kondisi -
keuangan atau
kelangsungan usaha
1
PT Bank Negara Indonesia (Persero) Tbk
Kantor Pusat
JI. Jend. Sudirman Kav. 1
Jakarta Pusat 10220, Indonesia
www.bni.co.id
Page 2
Page 3
3Q-2024
Earnings Call
PT BANK NEGARA INDONESIA (PERSERO ) TBK.
Jakarta, 25 October 2024
Page 4
Table of Contents
◎ Management Highlights 03
◎ Macroeconomics Highlight 12
◎ Financial Performance 17
Highlighted Results 18
Loan Composition 20
Loan Disbursement 3Q-2024 21
Profit or Loss 22
Fee Based Income (FBI) 23
Operating Expense (OPEX) 24
Balance Sheet Highlight 25
Third Party Fund 26
Liquidity (LCR, NSFR & LDR Ratios) 27
◎ Asset Quality 28
Loan at Risk 29
LAR by Segment, Write Off & Recovery 30
NPL & Write off Vintage 31
Sufficient Provisioning in line with risk appetite 32
LAR, NPL & Provision Coverage trend 33
◎ Digital Initiatives 34
◎ Business & Consumer Banking 41
◎ ESG 44
◎ About BNI 55
◎ 5 Years Financial Data 67
Page 5
Management Highlight
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Management Highlight Highlight highlight Initiatives
Growth optimism from Government Economic priorities
The new administration aims to …meanwhile the president-elect recently Aligned with the new
turbocharge Indonesia’s expressed confidence in delivering higher - comprehensive and
economy in medium/long term, than - consensus growth rate with well-thought
aiming for 8% GDP growth, zero administration structure
7 areas of new focus :
poverty rate, avoiding middle-
income trap, and preparing
Food Self-
Indonesia to be a developed Sufficiency Infrastructure Coordinating Ministry for Food Affairs
economy by 2045
Coordinating Ministry for Infrastructure
BNI forecast on 2025 key macro indicators and Regional Development
Creative
Energy Economy
Security Ministry of Creative Economy
GDP Growth YoY 5.2%
Downstream Affordable Ministry of Micro, Small, and Medium
Inflation ± 3.00% Industry, incl. Housing Enterprises
agriculture and
fishery
Exchange Rate 15.000 – 16.000 Ministry of Tourism
MSME Ministry of Social Affairs
Fed Fund Rate 3.5%
Empowerment
Ministry of Housing and Settlement
BI7DRR 4.75 – 5.0%
The smooth govt transition and new govt economic policy to be a catalyst for loan growth
PT Bank Negara Indonesia (Persero) Tbk. Page 04
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Management Highlight Highlight highlight Initiatives
Positive quarterly momentum driven by NIM recovery
Loan (IDR Tn) CASA (IDR Tn) NIM & Cost of Third Party Fund (%)
735.0 4.78
735.0 4.64 4.36 4.41
727.0 4.04
695.1 695.2 577.5 4.15 4.01
671.4
543.5 545.7 541.2 2.70 2.79 2.72
541.2 2.54 2.60
95% 95% 2.06 2.25
94% 512.9
90% 71%
89% 71%
70% 70%
70%
86%
69%
Sep 23 Sep 24 Dec 23 Mar 24 Jun 24 Sep 24 Sep 23 Sep 24 Dec 23 Mar 24 Jun 24 Sep 24 9M23 9M24 3Q23 4Q23 1Q24 2Q24 3Q24
LDR Bank Only (%) CASA Ratio (%) NIM (%) Cost of Fund (%)
NII, Fee Income & PPOP (IDR Tn) Loan at Risk (%) & Cost of Credit (%) Earning after tax (IDR Tn)
Consensus FY24 EAT Rp22.1 Tn
26.2 25.3
8.9 8.7 8.2 8.3 8.8 14.4 16.3
14.4 15.8 5.6
11.8 3.5 4.3 4.0 11.8 13.3
10.5 3.9 3.8 12.9 5.5
12.3
11.8 5.4
5.3
1.3 1.3 1.4 5.2
31.1 10.6 10.1 10.4 1.0 1.0 1.0 1.0
29.4 9.4 9.7
9M23 9M24 3Q23 4Q23 1Q24 2Q24 3Q24 9M23 9M24 3Q23 4Q23 1Q24 2Q24 3Q24 9M23 9M24 3Q23 4Q23 1Q24 2Q24 3Q24
PPOP Fee Income NII LAR ratio (%) Cost of Credit (%)
PT Bank Negara Indonesia (Persero) Tbk. Page 05
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Management Highlight Highlight highlight Initiatives
NIM recovery and solid fee income drove rebound in PPOP
Quarterly PPOP almost back to last year all time high NIM Improvement driven by loan yield and cost of fund
(IDR Tn)
8.7 8.6 8.9 8.7 8.2 8.3 8.8 7.90% 7.78% 7.70%
7.52% 7.44%
4.4 4.7 6.4 5.5
4.3 5.1 5.1 4.78%
4.36% 4.41%
4.01% 4.04%
10.4 10.2 10.6 10.1 10.4 2.79% 2.72% 2.60%
9.4 9.7 2.25%
2.54%
1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24
3Q23 4Q23 1Q24 2Q24 3Q24
PPOP Fee Income & loan recovery NII Loan Yield (%) NIM (%) Cost of 3rd Party Funds (%)
Strong momentum for non interest income during Q3 Funding mix shift towards retail
(IDR Tn) Third-Party Funds (%) Average Daily Saving (IDR Tn)
Fee Income &
Loan Recovery 2.6 +5.3%
Banking activities
qoq 233.4
2.5 38.1%
35.6%
5.5
0.8 flat
222.3
Trading activities
5.1 0.8 qoq
64.4%
61.9%
1.5
Loan recovery +20.5%
1.2 qoq Dec 23 Sep 24 FY 2023 Sep 24 YtD
2Q24 3Q24 Institutional funding Retail Funding
3Q24 2Q24
PT Bank Negara Indonesia (Persero) Tbk. Page 06
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Management Highlight Highlight highlight Initiatives
Initial progress shown from retail funding initiatives
Branch transformation and wondr by BNI launching to Best YtD savings growth …with new Saving Account
strengthen savings franchise in 4 years acquisition surged since 3Q24
Frontline Revolution: Migrating 72% Frontliners into
Sales Force +3.1%* launched
as of Sept-24 YtD 866
Upgrading 1.2k direct sales role, from initially product
specialist (mortgage, payroll loan or credit card only) to Previous years 613
vs 569
become generalist (multi-product offering -8.4% (Sept-23 YtD)
including saving) +2.5% (Sept-22 YtD) 5 July 24
1Q24 2Q24 3Q24
+0.8% (Sept-21 YtD)
Enhancing digital capability by launching New Savings Account Acquisition per quarter
wondr by BNI as a new mobile banking app with *YoY Growth at 7.4%, refer to page 25 (thousand)
great results and contribution towards portfolio mix
Since launched on 5 July 2024, wondr by BNI has shown Improved Saving Account Retail savings growth primarily
promising key metrics achievement… diversification from new customer acquisition
232 239
215 225 6.5% YtD
140
163
Jul-24 Aug-24 Sep-24 153 +10Tn 23%
# of new users (thousands) MtD 77%
YtD
~70% retail savings 29.7
79 75
balance comes from wondr 16.7 -4.7% YtD
6.7
~50% active rate Jul-24 Aug-24 Sep-24 Dec-23
Wealth Mgt.* & Others
Sep-24
Retail Customers New to Bank Customers Existing to Bank Customers
vs 30% BNI Mobile Banking # of transaction (million) MtD
*Wealth Mgt. decreased due to shifting to investment product; total AUM increased by 9% yoy
PT Bank Negara Indonesia (Persero) Tbk. Page 07
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Management Highlight Highlight highlight Initiatives
Expanding transactional CASA growth with new Wholesale Solution
Existing BNIdirect New Integrated Corporate Portal for Wholesale Solution
Strong contribution to fee income
BNI Cash Management growth from Collection, API & Introducing The New
Users Cash Pooling Services
# of Users (in 000) (in IDR Bn)
Unlimited Expansion with Integrated
111.3% Solutions
8.0% YoY Integrating all BNI
YoY
wholesale channels using
161 Single Access (SSO),
420
providing an easier banking
experience for corporate
149 199 customers.
Reimagine what’s once a
Sep-23 Sep-24 9M-23 9M-24
cash management solution,
now evolve to be a corporate
BNI Cash Management And plays pivotal role in Current portal for integrated digital
Transactions Account franchise wholesale solution.
# of Transactions (Mn) 360 view financial dashboard
28.6% 90% IDR
~90% Data Visibility, Easy and Seamless,
Integrated and Automation, Reliable
YoY Current Acc
302Tn balance from cash and Stable
10% management (CM)
users Business Goals
878 Developing BNIdirect
683 Transaction growth and More fee income platform exclusively for SME
Sticky Current Account generated from segment in the future to
Current Account from CM Users leads to lower Cost of Fund. financial transaction. optimize business across all
9M-23 9M-24 Current Account from Non CM Users segments.
PT Bank Negara Indonesia (Persero) Tbk. Page 08
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Management Highlight Highlight highlight Initiatives
Business transition focusing on risk management and sustainable
practices adoption
Record-breaking green financing growth Driving sustainable growth through SLL & Green Bond
Driven by ambitious growth Sustainability Linked Loan Green Bond
Incremental growth
in loans to renewable energy 87.3% of proceeds were
of green loans by Eq USD 363 mio
and green building distributed according to the
+15.6% YoY BNI Green Bond Framework
+26% CAGR CAGR 2020 – 3Q24 criteria including :
70.9 SLL encourages borrowers to
Loan to ▪ Renewable Energy
Renewable Energy
+21.4% meet ambitious environmental,
▪ Sustainable Transporation
economic, and social sustainability
29.5 goals. SLL was distributed to ▪ Green Buildings
Loan to Green
Building
+78% ▪ Poultry & agrifood processing ▪ Waste to Energy and Waste
▪ Cement, manufacture Management
▪ Steel manufacture ▪ Sustainable Natural Resources &
Loan to Pollution
FY20 Sep-24
Loan Balance (IDR Tn) Prevention
+109% ▪ Packaging manufacture Land Use
Indonesian Sustainable Finance Taxonomy: Strengthening global standard cyber security
Paving the Way Forward Privacy & Data Security Development Cyber Security Maturity
▪ Establishing dedicated Data Assessment evaluates
▪ BEST (BNI ESG and Sustainability
Privacy & Cyber Security Division system readiness and
Transition Event) on Sept-24 focused on
▪ Adopting global security resilience, offering strategic
the "Energy Sectors Foresight to
standards like ISO 27001 and NIST recommendations to
Encounter Indonesian Sustainable Finance
▪ Conducting Incident Handling counter evolving cyber
Taxonomy (TKBI).“
Maturity (TMPI) assessments threats.
▪ Inviting energy sector clients, the event ▪ Performing Cyber Security
highlighted taxonomy's role in guiding Maturity (CSM) evaluations
business practices toward long-term ▪ ISO 27001:2013 certified for Open
environmental and financial sustainability. API Information Security Maturity Level 4.81 / 5
Management
PT Bank Negara Indonesia (Persero) Tbk. Page 09
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Management Highlight Highlight highlight Initiatives
Three years journey of Xpora, export oriented SME solution
Partnership Business Metrics
Total loan for export-oriented Breakdown by Number of Export
Go Productive Go Digital Go Global SME debtors reached IDR 31 Tn economic sector: Oriented Customers
18%
Training & Curation Digital Solutions Access to Global Markets 30.9
CAGR 19.2%
Support and assistance for SME Introduction of technology and Supporting MSMEs to reach 8% 1%
in enhancing business digital platforms to create the global markets Commercial
capabilities digitalization of MSMEs 19.1
44%
30.9Tn
7%
44K
148 17K+ 4.530 872 84 1.212 99%
Trainings Participants User Platform Commodities Events Business Matching SME
23%
Dec 21 Sep 24
Manufacturing (Fishery CASA (IDR Tn)
Business Literacy Digital & Financial Global Partners Trade Volume in 9M24 IDR Production, Wood Products,
74.8 Tn
Solution 5.2
5.2 Tn
Financial BNI Overseas Branch Textile)
Accounting Cash Management Indonesian Embassy /Trade 10% Trading (Fisheries, Wood Art,
Marketing Export Financing Attaché Handicraft) Total CASA as of
Sep-24
Operation Diaspora 3.0
Agriculture
Natural Resources
+22.1%
90%
CAGR
Others
Commercial SME Dec 21 Sep 24
Sydney Representative Office
Operating Model
Inaugurated on 5 September 2024 to capture
business opportunities in Australia.
Business Advisory Business Matching Sales/Service
The BNI Representative Office in Sydney is also the
7 Xpora Hub &
Trade Specialist Exhibition B2B first Indonesian bank representative in Australia.
Xpora Portals
PT Bank Negara Indonesia (Persero) Tbk. Page 10
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Management Highlight Highlight highlight Initiatives
Our 2024 Aspiration
FY24 Aspiration
FY23 Realization 9M24 Realization
(Unchanged)
Loan
Growth 7.6% 9.5% 10.0 - 12.0%
(% YoY)
Net
Interest 4.6% 4.15% ≥ 4.0%
Margin
bank only
Credit
Cost 1.4% 1.0% ± 1.0%
bank only
PT Bank Negara Indonesia (Persero) Tbk. Page 11
Page 14
Macroeconomics Highlight
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Macroeconomics Highlight Highlight highlight Initiatives
Global policy rates have started to go down…
The PMIs of advanced countries and China have fallen to The US inflation and unemployment rate have shown a moderating
contractionary territory trend, especially upon entering 2H24
Manufacturing PMI of Advanced Countries + China
The US CPI Inflation and Unemployment Rate (%)
65 Expansion > 50 10
60 8
55 6
4.1
50 4
3.3
45 2
2.4
Contraction < 50 0
40
Jun-21
Jun-22
Jun-23
Jun-24
Sep-21
Sep-22
Sep-23
Sep-24
Dec-20
Dec-21
Dec-22
Dec-23
Mar-24
Mar-21
Mar-22
Mar-23
Jun-20
Jun-21
Jun-22
Jun-23
Jun-24
Sep-20
Sep-21
Sep-22
Sep-23
Sep-24
Dec-20
Dec-21
Dec-22
Dec-23
Mar-21
Mar-22
Mar-23
Mar-24
Headline CPI inflation Core CPI Inflation Unemployment Rate
China Japan United States European Union South Korea
More modest economic environment has pushed central banks to start Both the market and the Fed still expect a 50-bps FFR cut in 4Q24 and
their rate cut cycle a 100-bps cut in 2025
Policy Rate (%) FFR Expectation (%)
6 6 5.50
ECB BoJ BoE The Fed China 5.00
5 4.50 4.50
4 3.50 3.50
4
3
2
2
1
0
0 YE2023 Sep-24 YE2024 YE2025
2016 2017 2018 2019 2020 2021 2022 2023 2024
The Fed Dot Plot Projection Market Expectation
-2
PT Bank Negara Indonesia (Persero) Tbk.
Source: CEIC, BPS, MOF, BNI Chief Economist
Page 13
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Macroeconomics Highlight Highlight highlight Initiatives
…including the BI Rate, which is supported by stable exchange rate and low inflation
Rupiah has appreciated by 4.9% in 2H24-to-date, partly due to foreign Foreign portfolio inflows have been more balanced between SRBI,
inflows and the rupiah being better than its peers equity, and government bonds in 2H24
Foreign Portfolio Flows (USD bn)
Exchange Rate Performance 2H24-To-Date (%) 8
5.1 5.3
6
1.6 3.1 2.72.6 3.4 3.0
Thailand 9.2% 4 1.9
1.7 1.1 1.6 1.21.1 0.80.8
Malaysia 9.1% 2 0.1 0.3 0.1 0.6 0.5
(0.4) (0.1) (0.6) 2.5 0.09
Japan 7.3% 0 (1.0)
(1.6) (1.4) (1.6) 0.82
(2.3) (2.1) (1.7) (1.9) -0.41
ASEAN Avg 6.1% -2
Data as of : (4.4)
Indonesia 4.9% -4
11 Oct 2024
Swiss 4.6% -6
Dec-22
Dec-23
Feb-22
Jun-22
Jun-23
Jun-24
Aug-24
Aug-22
Sep-22
Jan-23
Feb-23
Aug-23
Sep-23
Feb-24
Sep-24
Jan-22
Oct-22
Oct-23
Jan-24
Oct-24
Mar-22
Jul-22
Mar-23
Jul-23
Mar-24
Jul-24
May-22
Nov-22
Apr-23
May-23
Nov-23
Apr-22
Apr-24
May-24
South Africa *Positive DXY means 4.2%
Singapore appreciation 3.8%
UK 3.2% Equity Govt Bonds SRBI Total Net Flows
Average Ex Arg & Tur 2.8%
China 2.8% BNI’s forecast on BI Rate cut
EM Average - Ex Arg & Tur 2.5%
Philippines 2.4%
Swedia
EU
2.1%
2.0%
Sep-2024 4Q24 2025
South Korea 1.9%
Czech 1.0%
Brazil -0.3%
Canada -0.6% Cut 25 bps to Cut 25-50 bps Cut 75 bps to
India -0.8% 6.00% to 5.50-5.75% 4.75-5.00%
DXY* -2.8%
Mexico -6.2%
-8% -6% -4% -2% 0% 2% 4% 6% 8% 10%
PT Bank Negara Indonesia (Persero) Tbk. Source: CEIC, BPS, BNI Chief Economist Page 14
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3Q-2024 Macroeconomics Highlight Highlight highlight Initiatives
Indonesia’s latest macro data showed a moderate economic environment
GDP growth will likely slow down to 4.9% in 3Q24 from 5.1% in 2Q24, Indonesia’s PMI dropped to contraction territory in 3Q24, reflecting mild
bringing the FY2024 figure to 5.0% manufacturing activity
GDP Growth (% YoY) PMI Indonesia
7
56
6 5.46 5.73 Expansion > 50
5.02 5.01 5.04 5.17 4.94 5.04 5.11 5.05 4.90 5.05 5.00 54
5
52
4
50
3 Contraction < 50
48 49.2
2
46
1
0 44
Sep-22
Sep-23
Sep-24
Jan-22
Mar-22
May-22
Jul-22
Jan-23
Mar-23
Jul-23
Jan-24
Mar-24
Jul-24
Nov-22
May-23
Nov-23
May-24
1Q22
2Q22
3Q22
4Q22
1Q23
2Q23
3Q23
4Q23
1Q24
2Q24
3Q24F
2024F
2023
The modest consumption was also reflected by the consumer price data, The muted core inflation, which reflects modest demand, was partly
which registered five straight months of deflations caused by mild labour wage growth
CPI Inflation Wage Growth and Core Inflation (% YoY)
5.47 15 3.5
0.6 6
5 3.0
0.4 10
4 2.5
0.2 5 2.0
0.0 1.84 3
2 0 1.5
-0.2 -0.03-0.08 -0.03
-0.18 -0.12 1 1.0
-0.4 0 -5
0.5
Wage Growth Core Inflation - RHS
Nov-23
Sep-24
Jan-23
Apr-23
Apr-24
Feb-23
Mar-23
Sep-23
Feb-24
Mar-24
Jul-23
Aug-23
Jan-24
Jul-24
Aug-24
May-23
Dec-23
May-24
Jun-23
Oct-23
Jun-24
-10 0.0
Aug-17
Aug-18
Aug-19
Aug-20
Aug-21
Aug-22
Aug-23
Aug-24
Feb-18
Feb-19
Feb-20
Feb-21
Feb-22
Feb-23
Feb-24
MoM Inflation YoY Inflation - RHS
PT Bank Negara Indonesia (Persero) Tbk. Source: CEIC, BPS, BNI Chief Economist Page 15
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3Q-2024 Macroeconomics Highlight Highlight highlight Initiatives
The new government’s policy priority will be more on improving social welfare
The new government targets stable economic growth, with more Fiscal expenditure next year will be focused more on human capital
emphasis on improving social welfare development
2023 2024 2025 Fiscal Expenditure Budget 2025
Realization Govt Outlook Budget Target 800 726.6 30%
Economic growth (%) 5.0 5.1 5.2 600
25%
25.0% 504.7
Private Consumption (%) 4.8 4.9 5.0 20%
400 15%
Real Investment (%) 4.4 4.9 5.5 7.9%
197.8 10%
200
124.4 5%
4.0% 5.4%
Extreme Poverty Rate (%) 1.1 0.9 0.0 0 0%
Education Social Protection Healthcare Food Security
Farmers Terms of Trade (%) 107.6 105-108 115-120
Rp tn % YoY
The new government’s main priorities are related to purchasing power Investment environment will be supported by private sector,
improvement of the middle-low income group especially FDI, which usually rebounds 4 quarters post-election
Average FDI Growth During and Post-Election (% YoY)
20 15.4
Food & Energy Security Free Healthy Food 15
10 5.2
5
0
-5
-10 -7.2
Downstream, including -15 -10.7
expansion to agro- Poverty Alleviation -20
downstream -25 -19.4
Q0 Election Q+1 Election Q+2 Election Q+3 Election Q+4 Election
PT Bank Negara Indonesia (Persero) Tbk. Source: Bloomberg, CEIC, BNI Chief Economist Page 16
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Financial Highlights
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Financial Performance Highlight highlight Initiatives
Encouraging quarterly trend on key P&L lines
Highlighted Results (IDR Bn) 9M23 9M24 YoY (%) 3Q23 4Q23 1Q24 2Q24 3Q24 QoQ (%)
Total Asset 1,009,309 1,068,080 5.8 1,009,309 1,086,664 1,066,715 1,072,454 1,068,080 -0.4
Loan 671,371 735,018 9.5 671,371 695,085 695,162 726,977 735,018 1.1
B/S Third Party Funds 747,595 769,739 3.0 747,595 810,730 780,230 772,319 769,739 -0.3
[Consolidated]
CASA 512,890 541,194 5.5 512,890 577,478 543,504 545,691 541,194 -0.8
Time Deposit 234,705 228,545 -2.6 234,705 233,253 236,726 226,628 228,545 0.8
Net Interest Income 31,156 29,439 -5.5 10,560 10,120 9,390 9,681 10,367 7.1
Interest Income 45,495 48,836 7.3 15,643 15,976 15,875 16,298 16,663 2.2
Interest Expense (14,340) (19,398) 35.3 (5,083) (5,856) (6,485) (6,617) (6,296) -4.8
P&L Non Interest Income
OPEX
14,630
(19,544)
16,837
(20,989)
15.1
7.4
5,135
(6,752)
6,841
(8,234)
5,440
(6,649)
5,485
(6,905)
5,913
(7,434)
7.8
7.7
[Consolidated]
PPOP 26,242 25,287 -3.6 8,943 8,727 8,181 8,261 8,845 7.1
Provisioning Charges (6,710) (5,389) -19.7 (2,199) (2,486) (1,744) (1,767) (1,878) 6.3
Net Profit 15,753 16,308 3.5 5,452 5,156 5,326 5,365 5,617 4.7
PT Bank Negara Indonesia (Persero) Tbk. Page 18
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3Q-2024 Financial Performance Highlight highlight Initiatives
Key ratios
Highlighted Results (%) 9M23 9M24 YoY (%) 3Q23 4Q23 1Q24 2Q24 3Q24 QoQ (%)
CASA Ratio (Consolidated) 68.6 70.3 1.7 68.6 71.2 69.7 70.7 70.3 -0.4
CoF (Third Party Funds) 2.1 2.7 +64bps 2.2 2.5 2.8 2.7 2.6 -13bps
Profitability NIM 4.6 4.2 -49bps 4.8 4.4 4.0 4.0 4.4 +37bps
& Efficiency ROAE* 15.5 14.7 -0.8 15.8 14.3 14.5 14.7 14.9 0.2
[Bank Only]
Pre-tax ROAA 2.6 2.5 -0.1 2.8 2.5 2.5 2.4 2.7 0.3
CIR 41.3 43.8 2.6 41.5 47.4 43.2 44.3 44.0 -0.3
LAR 14.4 11.8 -2.6 14.4 12.9 13.3 12.3 11.8 -0.5
NPL (Gross) 2.3 2.0 -0.3 2.3 2.1 2.0 2.0 2.0 0.0
Asset
Quality Credit Cost 1.4 1.0 -0.4 1.3 1.4 1.0 1.0 1.0 0.0
[Bank Only] LAR Coverage Ratio 51.1 47.4 -3.7 51.1 52.7 50.4 47.9 47.4 -0.5
NPL Coverage Ratio 324.5 284.2 -40.3 324.5 319.0 330.2 298.2 284.2 -14.0
LDR 90.1 95.3 5.2 90.1 85.8 89.0 94.0 95.3 1.3
Liquidity LCR 183.5 160.3 -23.2 183.5 174.1 176.0 160.8 160.3 -0.5
[Bank Only]
NSFR 145.3 136.6 -8.7 145.3 146.3 139.1 137.2 136.6 -0.6
Capital Tier-1 CAR 20.1 20.3 0.2 20.1 20.2 18.9 19.1 20.3 1.2
[Bank Only] Total CAR 21.9 21.8 -0.1 21.9 22.0 20.5 20.7 21.8 1.1
*ROAE with average total equity as denominator ; 16.4% in 9M24 if the denominator is Tier 1 Capital as reported to OJK
PT Bank Negara Indonesia (Persero) Tbk. Page 19
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Financial Performance Highlight highlight Initiatives
Healthy growth from lower risk segments
(IDR Tn)
Growth - %
Segment Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Loan Yield by Segment (%) – Bank Only
QoQ YoY
Corporate 355.5 374.9 374.8 403.1 409.2 1.5% 15.1% Segment 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24
Corp. Private &
257.6 272.5 272.1 291.6 295.7 1.4% 14.8% Blended Loan 7.7 7.9 7.8 7.5 7.4 7.7
Institutions
Corporate SOE 97.9 102.4 102.7 111.5 113.5 1.8% 15.9% Corporate 7.0 7.3 7.0 6.9 6.8 7.1
Medium 101.6 101.6 98.7 97.7 96.4 -1.3% -5.1% Medium 7.7 7.9 7.9 7.7 7.7 7.7
Business Banking
Enterprise 52.7 52.6 50.3 48.5 45.9 -5.4% -12.8% Small 9.1 10.1 10.6 9.3 9.2 9.4
Commercial 48.9 49.0 48.4 49.2 50.5 2.6% 3.3% Consumer 8.3 8.1 8.2 7.9 8.1 8.6
Small 87.5 85.1 82.3 80.0 77.3 -3.3% -11.6% IDR Yield 8.0 8.3 8.2 7.9 7.8 8.0
Govt Subs FX Yield 6.1 6.1 6.2 6.1 6.0 6.5
46.7 44.1 41.7 39.4 36.6 -6.9% -21.6%
Loan (KUR)
SME Non-KUR 40.8 41.0 40.6 40.6 40,7 0.2% -0.2%
Subtotal 544.6 561.6 555.7 580.7 582.9 0.4% 7.0% Loan Composition (IDR Tn)
Mortgage 56.5 58.5 60.1 62.2 63.8 2.4% 13.0%
671,4 695,1 695,2 727.0 735.0
Consumer
Personal Loan 48.3 50.6 52.1 53.8 55.9 3.9% 15.7%
120.0% 8 00.0
Credit Card 13.5 14.0 14.2 14.4 14.6 1.4% 7.9% 100.0%
1.1% 1.3% 1.6% 1.9% 2.1% 700.0
17.8% 17.9% 18.4% 18.3% 18.6%
Others 1.2 1.5 1.8 2.3 2.7 18.9% 119.7% 80.0%
13.0% 12.2% 11.0%
600.0
11.8% 10.5%
15.1% 14.6% 14.2% 13.4% 13.1%
Subtotal 119.5 124.5 128.3 132.7 137.0 3.2% 14.6%
60.0% 500.0
40.0% 400.0
Subsidiaries 7.3 9.0 11.2 13.5 15.1 11.8% 106.6 52.9% 53.9% 53.9% 55.4% 55.7%
20.0% 300.0
Total 671.4 695.1 695.2 727.0 735.0 1.1% 9.5% 0.0% 200.0
Sep-23 Dec-23 Mar-24 Jun-24 Sep-24
Working Capital 398.8 407.6 391.6 417,9 423.2 1.3% 6.1%
Subsidiaries Consumer Small Medium Corporate
Investment Loan 151.7 160.5 171.9 172,2 170.3 -1.1% 12.3%
PT Bank Negara Indonesia (Persero) Tbk. Page 20
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Financial Performance Highlight highlight Initiatives
Rp92,4 trillion loan disbursed in 3Q24, driven by top tier clients
QoQ Loan Movement (IDR Tn) Top 3 Industries Contributing to QoQ Loan Growth in Sep-24
92.4 82.7 3.4 Outstanding Increase (IDR Tn) Quarter-on-Quarter
%
Corporate : 60.4 Tn
Natural Resources 4.5 11%
Medium : 7.8 Tn
: 4.1 Tn
Manufacturing 3.1 3%
Enterprise
715.5 721.8 Corporate Social Services 2%
Commercial : 3.7 Tn 0.4
Small : 9.8 Tn
Consumer : 14.4 Tn
Jun 2024 Disbursement Install/Paid-Off Write-Off Sep 2024
YoY Loan Movement (IDR Tn) Top 3 Industries Contributing to YoY Loan Growth in Sep-24
363.0 287.9
Outstanding Increase (IDR Tn) Year-on-Year
%
18.5
General Trading 20.4 73%
Energy & Natural Resources 15.6 52%
Corporate : 237,2Tn
Corporate Social Services 6.9 47%
Medium : 35,2Tn
Enterprise : 17,7Tn
721.8
665.1
Commercial : 17,5Tn
Small : 32,9Tn
Consumer : 57,7Tn
Sep 2023 Disbursement Install/Paid-Off Write-Off Sep 2024
*bank only disbursement
PT Bank Negara Indonesia (Persero) Tbk. Page 21
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Financial Performance Highlight highlight Initiatives
NII & recovery income drove Q3 bottom line
Consolidated Profit & Loss (IDR Bn) 9M23 9M24 YoY (%) 3Q23 4Q23 1Q24 2Q24 3Q24 QoQ (%)
Interest Income 45,495 48,836 7.3 15,643 15,976 15,875 16,298 16,663 2.2
Interest Expense (14,340) (19,398) 35.3 (5,083) (5,856) (6,485) (6,617) (6,296) -4.8
Net Interest Income 31,156 29,439 -5.5 10,560 10,120 9,390 9,681 10,367 7.1
Premium Income Net 1,200 1,215 1.3 418 460 373 413 428 3.6
Fee income 10,478 11,754 12.2 3,547 4,304 3,913 3,840 4,001 4.2
Recovery 2,953 3,868 31.0 1,170 2,077 1,154 1,231 1,483 20.5
Operating Income 45,786 46,275 1.1 15,695 16,961 14,830 15,166 16,279 7.3
Operating Expense (19,544) (20,989) 7.4 (6,752) (8,234) (6,649) (6,905) (7,434) 7.7
Pre-Provision Income (PPOP) 26,242 25,287 -3.6 8,943 8,727 8,181 8,261 8,845 7.1
Provisioning Charges (6,710) (5,389) -19.7 (2,199) (2,486) (1,744) (1,767) (1,878) 6.3
Non-Operational Inc/(Exp) (156) (28) -82.2 (70) 22 - - (28) -
Net Income before Tax 19,376 19,871 2.6 6,674 6,263 6,437 6,494 6,939 6.9
Net Income 15,753 16,308 3.5 5,451 5,156 5,326 5,365 5,617 4.7
PT Bank Negara Indonesia (Persero) Tbk. Page 22
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Financial Performance Highlight highlight Initiatives
Fee income breakdown
Solid growth in Trading Activities Fee
Breakdown Non-Interest Income (IDR Bn)
supported by favorable rate environment
Fee Income 9M23 9M24 YoY % 3Q23 4Q23 1Q24 2Q24 3Q24 QoQ % 3,396 4,170 3,815 3,777 3,925 10,282 11,517
471
Consumer Banking 5,096 5,238 2.8 1,695 1,874 1,717 1,718 1,802 4.9 488
696 424 467 1,380
352 797 1,164
724 803
Account Maintenance 1,636 1,615 -1.3 533 588 529 541 545 0.8 422 2,324
1,541
ATM & e-Channel 1,084 1,138 5.0 371 382 369 379 389 2.6
3,003 2,667 7,814
2,623 2,506 2,640 7,576
Debit Card Maintenance 412 391 -4.9 138 138 135 132 125 -5.0
PPOB & Billpayment 228 294 28.9 76 83 83 80 131 63.8
3Q23 4Q23 1Q24 2Q24 3Q24 9M23 9M24
Remittance 193 208 7.8 66 65 65 68 74 8.1 Other Fee Income Trading Activities Banking Activities
Card Business, Bancass,
1,544 1,592 3.1 511 617 536 518 538 4.0
etc
Business Banking 5,186 6,280 21.0 1,701 2,296 2,098 2,059 2,123 3.1
Key Fee Income Growth Contributors
Trade Finance 972 839 -13.7 354 321 320 228 291 27.4
Marketable securities 853 1,276 49.6 224 312 465 500 7.5
364 PPOB & Billpayment Marketable FX Trading,
FX Trading, Revaluation Securities Revaluation &
687 1,047 52.3 198 332 412 339 297 -12.3
& Derivatives Derivatives
Pension Fund 270 169 -37.6 53 53 55 55 59 7.3 28.9%
49,6% 52.3%
Syndication 523 655 25.1 261 285 214 156 -27.2
432
Share Investment, 294 1,276
1,880 2,293 21.8 611 794 714 758 821 8.4 1,047
Custody, Coop Fee, Etc 228
853
Total Non-Interest 687
Income 10,282 11,517 12.0 3,396 4,170 3,815 3,777 3,925 3.9
(Bank Only)
Other Subsidiaries 196 237 20.6 150 135 98 63 76 20.1 9M23 9M24 9M23 9M24 9M23 9M24
Total Non-Interest
10,478 11,754 12.2 3,547 4,304 3,913 3,840 4,001 4.2
Income (Consolidated)
PT Bank Negara Indonesia (Persero) Tbk. Page 23
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Financial Performance Highlight highlight Initiatives
Disciplined opex spending
Higher CIR due to NIM weakness in 1H24,
OPEX Composition (IDR Bn)
while Cost to Asset remains stable
Operating Expenses 9M23 9M24 YoY - % 4Q23 1Q24 2Q24 3Q24 QoQ - %
43.9 44.2 43.8
Personnel Expenses 8,873 9,831 10.8 4,009 3,159 3,192 3,479 9.0 43.3 42.9
42.6
41.3
Base Salary 3,205 3,386 5.7 1,094 1,189 1,066 1,131 6.1
Other Allowance 2,629 3,043 15.7 1,834 822 984 1,238 25.8 2.6 2.6 2.5 2.5 2.5 2.5 2.5
Post Employee Benefits 2,159 2,393 9.0 589 858 798 737 -7.6
Training 174 157 -10.0 172 24 65 68 3.4
2019 2020 2021 2022 2023 9M23 9M24
Subsidiaries 670 852 27.2 320 267 279 306 9.7 CIR Cost to Asset
G&A Expenses 5,564 5,489 -1.3 2,337 1,706 1,826 1,957 7.1
IT & Telecommunication 1,052 982 -6.6 421 275 365 342 -6.4 Quality over Quantity
Occupancy Related 550 485 -11.8 208 153 153 179 16.8
PERSONNEL EXPENSES NUMBER OF
Promo Sponsor 613 578 -5.7 383 165 175 239 36.6 (IDR Bn] EMPLOYEE
Headcount priority
toward business &
Transport & Travel 168 172 2.8 94 52 48 72 49.5
digital units 10.8%
Goods, Prof. Services &
2,798 2,836 1.4 1,086 940 949 948 -0.2
Others
9,831
8,873
Subsidiaries 382 435 13.6 144 122 136 177 30.1
Result-oriented
26,857 27,150
reward scheme
Other Expenses 4,761 5,312 11.6 1,776 1,641 1,793 1,878 4.8
calibration to retain
and attract top
Other Subsidiaries 347 357 2.8 111 143 93 121 30.1 talents
9M23 9M24 Sep 23 Sep 24
Total Operating Expenses 19,544 20,989 7.4 8,234 6,649 6,905 7,434 7.7
PT Bank Negara Indonesia (Persero) Tbk. Page 24
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Financial Performance Highlight highlight Initiatives
B/S optimization capitalizing on higher RRR incentive
Growth - %
Consolidated Balance Sheet (IDR Bn) Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 QoQ YoY
Total Assets 1,009,309 1,086,664 1,066,715 1,072,454 1,068,080 -0.4 5.8
Placement with other banks & BI 21,476 43,794 29,921 19,043 15,076 -20.8 -29.8
Current Account with Bank Indonesia 61,361 65,256 52,699 49.873 43,101 -13.6 -29.8
Marketable Securities [market value] 34,576 37,408 41,238 40,433 42,246 4.5 22.2
Government Bonds [market value] 123,018 127,100 131,033 132,496 130,287 -1.7 5.9
Loans (gross) 671,371 695,085 695,162 726,977 735,018 1.1 9.5
Third Party Funds 747,595 810,730 780,230 772,319 769,739 -0.3 3.0
CASA 512,890 577,478 543,504 545,691 541,194 -0.8 5.5
• Current Account 290,501 345,496 309,546 305,133 302,260 -0.9 4.0
• Saving Account 222,389 231,981 233,958 240,558 238,934 -0.7 7.4
Time Deposits 234,705 233,253 236,726 226,628 228,545 0.8 -2.6
Deposits from other Banks 13,599 11,894 12,825 18,150 13,877 -23.5 2.0
Marketable Securities Issued 21,875 21,822 22,348 31,104 29,144 -6.3 33.2
Borrowings 26,008 30,950 31,256 32,736 34,995 6.9 34.6
Shareholders’ Equity 147,218 154,733 149,702 154,072 162,170 5.3 10.2
PT Bank Negara Indonesia (Persero) Tbk. Page 25
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Financial Performance Highlight highlight Initiatives
Reprofiling funding mix led to inflection in CoF trend
Third Party Funds (IDR Tn) Third Party Funds Composition
(IDR Tn)
Growth - %
Segment Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 747,6 810.7 780.2 772.3 769.7
QoQ YoY 120.0% 5
-5
100.0%
CASA 512.9 577.5 543.5 545.7 541.2 -0.8% 5.5% -15
80.0% 31.4% 28.8% 30.3% 29.3% 29.7% -25
Current Account 290.5 345.5 309.5 305.1 302.3 -0.9% 4.0% -35
29.7% 28.6% 30.0% 31.1% 31.0%
60.0%
-45
Saving Account 222.4 232.0 234.0 240.6 238.9 -0.7% 7.4%
40.0% -55
42.6%
-65
20.0%
38.9% 39.7% 39.5% 39.3%
Time Deposit 234.7 233.2 236.7 226.6 228.5 0.8% -2.6%
-75
0.0% -8 5
Third Party Funds 747.6 810.7 780.2 772.3 769.7 -0.3% 3.0% Sep-23 Dec-23 Mar-24 Jun-24 Sep-24
Current Account Saving Account Time Deposit
CASA Ratio* 68.6% 71.2% 69.7% 70.7% 70.3% -0.3% 1.7%
*Consolidated
Cost of Third-Party Funds (%) – Bank Only Sticky CASA strategy by focusing on transaction
5.13
4.86 4.81 wondr by BNI and BNIdirect
4.65
The new mobile banking
3.97
4.20 contributed significantly to CASA app wondr by BNI
Released in July-24,
3.32 3.41
built in latest tech, safer
As of Sep-24:
2.79 2.72 and faster & more reliable
2.47 2.54 2.60
2.35 2.35 2.25
2.07 2.82
1.75 1.87
1.46 2.37 2.48 2.44
~70% ~90%
1.38 1.40
2.09
1.80 1.77 The New BNIdirect
1.38 1.40 1.52 integrating all BNI
1.33
0.61 0.58 0.63 wholesale channels using
0.56 0.61 0.56 0.67 0.72 0.76
0.58 0.55 retail saving balance comes wholesale Current Account Single Access (SSO),
from wondr users balance from BNIdirect users providing an easier
1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24
banking experience for
corporate customers.
Current Account Saving Account Time Deposits Cost Of Third Party Fund
PT Bank Negara Indonesia (Persero) Tbk. Page 26
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Financial Performance Highlight highlight 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% 160.3%
153.0% 151.8% 154.1% 155.1%
145.0% 144.0% 144.8% 145.0% 146.6% 145.3% 146.3%
140.0% 139.1% 137.2% 136.6%
136.0% 133.4%
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
LCR (Liquidity Coverage Ratio) NSFR (Net Stable Funding Ratio)
LDR is Also Manageable, Well Within Regulatory Framework
112.6%
103.9%
101.6%
92.4% 92.3% 96.7% 96.2%
91.9% 94.1%
91.5% 92.8% 92.1% 92.3% 90.9% 94.0% 95.3%
88.7% 93.9% 88.4% 89.7% 91.2% 90.1% 89.5% 93.3%
87.2% 88.1% 87.7% 87.4% 88.8% 95.0%
91.4% 90.1% 86.3% 85.3% 85.2%
87.8% 84.2% 89.8% 89.0%
83.1% 86.2% 85.9% 85.8% 88.5% 85.8% 87.0%
87.6% 86.3% 85.1% 85.1% 79.7% 85.4% 85.2%
80.9% 82.0% 82.5%
77.5% 76.9%
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
IDR FX Total
PT Bank Negara Indonesia (Persero) Tbk. Page 27
Page 30
Asset Quality
Page 31
Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Asset Quality Highlight highlight Initiatives
Loan at Risk remains low (bank only)
Loan at Risk (IDR Tn) Current Restructured Loan (IDR Tn)
119,4 102,8 102,4 103,8 95,8 89,0 91,4 88,2 85,4 74,0 62,2 57,3 59,9 50,6 40,5 39,7 38,9 36,4
12.0% 9.7% 9.3%
19.3% 16.0% 16.3% 16.1% 9.1% 7.6%
14.4% 12.9% 13.3% 12.3% 11.8% 5.9% 5.8% 5.4% 5.0%
120.0% 120.0%
25.0%
7.8% 8.4% 8.7% 8.7% 6.7% 7.9% 7.4% 6.2% 6.3% 7.5% 7.0% 7.2% 7.2%
100.0% 100.0%
9.2% 9.3% 9.4% 9.6% 9.9% 5.0%
13.8% 14.5% 14.7% 14.3% 15.0% 13.7% 14.4% 13.7% 12.9% 15.1% 16.7% 15.3% 13.5% 15.1% 17.4% 15.4% 13.4% 13.1%
80.0% 80.0%
-15.0%
21.4% 19.6% 19.8% 23.3% 23.3% 18.9% 17.3% 17.9%
28.3% 28.1% 27.6% 25.6% 25.1% 20.8% 27.7% 26.2% 18.5%
60.0%
-35.0%
60.0%
27.8%
40.0% 40.0%
-55.0%
56.2% 55.5% 57.1% 57.5% 57.0% 55.2% 56.5% 58.7% 62.0% 61.9%
20.0%
50.1% 49.0% 48.4% 51.4% 50.6% -75.0%
20.0%
50.5% 47.6% 51.0%
0.0% -95.0% 0.0%
Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24
Corporate Medium Small Consumer LaR Corporate Medium Small Consumer Coll 1R
Special Mention Loan (Coll.2) by Segment (IDR Tn) Non-Performing Loan (NPL) by Segment (IDR Tn)
26,6 22,6 27,7 28,1 30,1 33,8 37,8 35,1 34,7 18,8 18,0 17,4 15,8 15,1 14,7 13,9 14,2 14,2
4.9% 5.5% 4.9% 4.8% 120.0%
4.3% 4.4% 4.4% 4.5% 3.0% 2.8% 2.8% 2.5%
3.5% 2.3% 2.1% 2.0% 2.0% 2.0%
100.0%
9.1% 8.3% 11.1% 10.8% 11.2% 7.6% 9.3% 10.0% 10.5% 10.4% 10.4% 11.9%
6.5% 14.0% 15.7% 14.7% 16.2% 14.9% 15.3%
10.0% 8.6% 10.0% 10.1% 8.4%
14.5% 12.8% 11.1% 80.0% 13.9% 14.0% 13.2%
16.0% 19.9%
20.9% 15.0% 16.4% 17.0% 22.7% 20.5% 23.3% 23.5% 23.4%
23.3% 21.1%
25.1% 22.6%
60.0%
37.5% 38.2% 36.3%
39.7% 41.5% 33.6% 31.2%
40.0% 38.6% 41.8%
70.0% 65.6% 63.5% 64.1%
57.5% 62.1% 56.6%
49.3% 53.8%
20.0% 38.2% 37.5% 38.6%
26.4% 23.3% 28.0% 30.1%
23.0% 18.7%
0.0%
Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24
Corporate Medium Small Consumer SML Ratio Corporate Medium Small Consumer NPL Ratio
PT Bank Negara Indonesia (Persero) Tbk. Page 29
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Asset Quality Highlight highlight Initiatives
LAR by segment, write Off & recovery
Special Mention Loan by Segment – Bank Only Loan at Risk by Segment –Bank Only
Segment Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Segment Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24
Corporate 4.2% 4.4% 4.8% 6.3% 6.6% 5.5% 5.4% Corporate 15.4% 15.7% 13.6% 13.3% 13.5% 12.4% 11.9%
Medium 6.7% 6.2% 6.3% 5.3% 5.7% 5.9% 6.1% Medium 27.6% 26.2% 23.6% 18.7% 19.3% 17.6% 17.5%
Small 4.5% 4.2% 3.8% 2.6% 4.6% 4.5% 3.8% Small 16.6% 16.9% 16.5% 14.4% 16.0% 15.1% 14.3%
Consumer 2.7% 2.6% 2.8% 2.1% 2.8% 2.6% 2.7% Consumer 8.3% 7.8% 7.5% 6.2% 6.7% 6.3% 6.2%
Total SML- % 4.4% 4.4% 4.5% 4.9% 5.5% 4.9% 4.8% Total LAR- % 16.3% 16.1% 14.4% 12.9% 13.3% 12.3% 11.8%
Total SML- IDR Bn 27,702 28,130 30,106 33,812 37,774 35,075 34,740 Total LAR- IDR Bn 102,417 103,840 95,789 89,007 91,424 88,155 85,405
Non-Performing Loan by Segment – Bank Only Write Off & Recovery – Bank Only
14,390 14,175
Segment Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24
10,884
Corporate 2.1% 1.2% 1.0% 0.9% 0.7% 1.0% 1.0% 10,068
9,506
36.0%
35.8%
Medium 6.1% 6.0% 5.7% 6.0% 5.9% 4.9% 4.6% 32.8% 30.4%
5,174 28.2%
Small 2.7% 3.8% 3.9% 3.5% 4.0% 4.2% 4.3% 3,898 3,995
3,114 3,056
Consumer 1.8% 1.9% 2.0% 1.7% 1.8% 1.6% 1.6%
Total NPL- % 2.8% 2.5% 2.3% 2.1% 2.0% 2.0% 2.0 2021 2022 2023 9M-23 9M-24
Total NPL- IDR Bn 17,449 15,820 15,091 14,710 13.960 14,163 14,244 Write Off (Rp Bn) Recovery (Rp Bn) Recov. to Write Off Ratio
PT Bank Negara Indonesia (Persero) Tbk. Page 30
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3Q-2024 Asset Quality Highlight highlight Initiatives
Vintage analysis has shown improved loan underwriting
70% of the loans written off in 9M24
79% of 9M24 NPL formation came from client origination before 2021
came from client origination before 2021
Fintech paylater & credit card only
Fintech paylater & credit card only
IDR 13.7Tn IDR 14.2Tn
9M24 NPL Formation 9M24 Write Off
PT Bank Negara Indonesia (Persero) Tbk. Page 31
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3Q-2024 Asset Quality Highlight highlight Initiatives
Sufficient provisioning in line with our risk appetite (bank only)
Provisioning for Loan (IDR Tn) CoC by Segment – Bank Only
Segment 3Q-23 4Q-23 1Q-24 2Q-24 3Q-24
14.2 Corporate 0.3% 0.3% -0.6% -2.1% -0.1%
5.2 Medium 1.5% 2.7% 2.3% 4.6% 1.2%
46.9 Prov Charges for
loan (net*) 40.5
32.8 Small 3.3% 3.6% 5.2% 8.5% 4.6%
Consumer 2.5% 2.2% 2.1% 3.2% 2.2%
Loan Provision - Dec Write Off 9M 2024 Loan Provision - after Provision Build Up Loan Provision - Sep CoC % - Bank wide 1.3% 1.4% 1.0% 1.0% 1.0%
2023 write off 2024
*after deducting loan remedial IDR 2.6Tn
Dec 23 Sep 24 Assigned Loan Loss Reserve by Coll & Stage
Sep-24 Sep-24
NPL % 2.1% 2.0% Collectability
Amount
Stage
Amount
LLR % LLR %
(IDR Tn) (IDR Tn)
Current – Normal 636.4 0.8 Stage 1 631.7 0.6
NPL Coverage % 319.0% 284.2%
LaR 85.4 41.6 Stage 2 63.0 27.3
Current Restructured 36.4 20.4 Stage 3 27.1 71.0
LAR % 12.9% 11.8% Collectability 2 (SML) 34.7 53.0 All Stage 721.8 5.6
NPL 14.2 68.3%
LAR Coverage % 52.7% 47.4% All Collectability 721.8 5.6%
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.
PT Bank Negara Indonesia (Persero) Tbk.
3) LAR Coverage Ratio = Allowance for Impairment Losses divided by LAR amount Page 32
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LAR, NPL & Provision Coverage trend
LAR & LAR Coverage Ratio NPL & NPL Coverage Ratio
28.7%
4.3%
23.3% 3.7%
16.0% 2.8%
12.9% 12.3% 11.8% 2.2% 2.1% 2.0% 2.0%
9.1%
319.0%
298.2%
52.7% 278.3% 284.2%
48.8% 47.9% 47.4% 233.4%
182.4%
37.0%
34.3% 144.8%
27.0%
Avg 2017-2019 Dec-20 Dec-21 Dec-22 Dec-23 Jun-24 Sep-24
Avg 2017-2019 Dec-20 Dec-21 Dec-22 Dec-23 Jun-24 Sep-24
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
PT Bank Negara Indonesia (Persero) Tbk. Page 33
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Digital Initiatives
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Digital Initiatives Highlight highlight Initiatives
We’re triumphing
on every customer touch points New Integrated Corporate
Portal for Wholesale Solution
BNI Direct Mobile
z Banking
Instead of focusing on a particular Trx Volume 17.6mn registered users
IDR 5,743tn Trx Volume
product, BNI believes in ▲ 15.3% yoy IDR 1,104tn▲26.2%
empowering digital solutions for No of Trx
yoy
No of Trx
878mn ▲ 28.6% yoy
every needs. Introduced
on 9 Oct 2024
1,041mn ▲ 40.9% yoy
E-channel Supports
Merchant & QR Branchless Introducing
Payment Banking
the all-new App ….
SMS Banking 676k+ Active Card & 207k+ Agents
QRIS merchant ▲ 18.3% yoy
ATM Trx Volume
IDR 7tn ▼ -45.1% yoy Acquiring Trx Volume # of Transaction
13,388 ATMs IDR 82 tn 58.2mn ▼ -1.3% yoy
No of Trx
▲ 26.9% yoy
Trx Volume 474mn ▼ -2.4% yoy
IDR 434tn
▼ -9.4% yoy
E-wallet BNI Open API
No of Trx (Mn)
Internet Banking
Ecosystem
823mn Trx Volume (IDR Tn) 13.3 mn cards in 2,000++ Partners
▼ -6.8% yoy IDR 15tn ▼ -33.5% yoy circulations 280 API Services
▲ 15.5%yoy
No of Trx (Mn) Best in class – open a new breed of
Trx Volume (IDR Bn)
8mn ▼ -23.5% yoy IDR 2.0tn banking ecosystem banking services
Launched on 5 July 2024
▲ 21.3%yoy digitalservices.bni.co.id
*data as of 3Q24
PT Bank Negara Indonesia (Persero) Tbk. Page 35
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Management 02 Financial 03 04 Digital 05
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3Q-2024 Digital Initiatives Highlight highlight Initiatives
Catching up the super App race with
wondr by BNI is designed to assist customers with financial wondrful Features
solutions and to help customers overcome barriers and achieve Superior features to address market gaps, increase customer
their goals with 3 Financial Dimensions (Transaction, Insight satisfaction/delight and provide new value for customers
and Growth)
Insight Transaction Growth
Onboarding CASA, PFM and
and servicing Investment
• Time Deposits (IDR,
• Registration from USD, AUD)
anywhere around
the world • Lifegoals (Tapenas)
• Credit and Debit • Investment (Mutual
Card Maintenance Fund)
• Referral for acquire • Personal Finance
new users Management
Automated monthly Easy and comfortable Plan your future with Transaction
financial recap to check financial transaction investment products
out your financial health according to your • Group (Multiple)
All your transaction bank
Monitor your income and own appetite Transfer
accounts, and credit card
expenses from all BNI can be used as source of Sell and Buy Mutual • Same Day
channels fund, swipe left and right to Funds easier and Remittance services
Review your transactions, see it all! anywhere!
• Quick Access: QRIS,
track your spending by Customized your top pick Open new Time E-Wallet and Tapcash
category to help features Deposit start from
understand your money Rp 1 Million • Bill payment
habits
PT Bank Negara Indonesia (Persero) Tbk. Page 36
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Management 02 Financial 03 04 Digital 05
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3Q-2024 Digital Initiatives Highlight highlight Initiatives
Along with the debut of wondr by BNI, BNI Mobile Banking remains the
customer's preferred option as part of the transition.
# Registered Users Transaction
Mobile Apps Transaction Value (in Mn) Frequency (in Mn)
has Surpassed ATM’S
Quarterly Transaction Value (Rp. Tn)
14.8 % 40.9 %
397
YoY YoY
347 360
331 341
288
255
211 234
192 206 190 196 174 174 193
168 165 178 167 158
138 149 160 163 170 165 154 151 142 141 142 17.9
117 131 15.6 1,041
12.9 738
421
3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24
ATM Mobile Banking
Sep-22 Sep-23 Sep-24 9M22 9M23 9M24
Average Daily Mobile
Transaction
Banking Transaction Frequency
The 1st overall E- Best Product and
Best-in-Class Mobile Banking App Leads Value (in IDR Tn)
Banking Business Model of (in Mn)
and 1st Phone Banking BNI Mobile Banking
Innovation
to More Sticky Users
in the National
Banking Industry
# of Transaction per Avg. Transaction Retention Rate
26.2 % 38.3 %
Active user per Month Value (Rp. Mn) (%)** YoY YoY
Ratings* Ratings*
4.7/5.0 4.6/5.0 1,104 3.73
875 2.71
91.0 91.0
17.6 21.8
1.06 569 1.51
Sep-23 Sep-24 Sep-23 Sep-24 9M22 9M23 9M24 9M22 9M23 9M24
*Data as of Sep 2024
**% of users who return to perform' transactions from the previous month
PT Bank Negara Indonesia (Persero) Tbk. Page 37
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Management 02 Financial 03 04 Digital 05
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3Q-2024 Digital Initiatives Highlight highlight Initiatives
Branchless Banking
Empowering Agents With > 15.3K Agents Are Located in Frontier,
Solid Contribution to Financial Inclusion
Powerful Mobile Agent App Remote and Disadvantaged Areas
207K Agents
7.8k
4.3k
+18.3% yoy 3.7k
Spread Across:
6 Thousand 34 Thousand
Districts Villages
Chargeable Transactions at Agents
Continues to Increase as Literacy Improves
83% 83%
Inclusive Services
59%
• Online Account • Cash Withdrawal and • Government 32%
Opening Deposit Subsidy 14% 12% 14%
• Money Transfer • Tax and Bill Payment • KUR Loan referrals
User Plenty Bill payment 2019 2020 2021 2022 2023 1H24 9M24
Friendly Services % chargeable transaction to total transaction in Agen46
BNI Agen46 Improves The Quality of Life
Realtime Sharing Financial Report and Productivity of MSMEs
Fee for Agents Transaction # of Transactions at Agen46 by Type
More Additional Linked to BNI Grocery store, bundled with all-in-
Features, Promo Digital Loan Cash Withdrawal
& Information e-Form (KUR Mikro)
one financial services of Agen46 19%
• Increase Customer Traffic Phone Billing
6% 46%
• Commission-based income for 58,2 Million BNI Transfer
Online Account 9M24
Opening, Cash facilitated transactions 12% Interbank Transfer
Withdrawal & Deposit
Others (Incl Cash Deposit, Top Up E-wallet)
17%
PT Bank Negara Indonesia (Persero) Tbk. Page 38
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Management 02 Financial 03 04 Digital 05
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3Q-2024 Digital Initiatives Highlight highlight Initiatives
Harnessing the power of open banking
BNI Open API
digitalservices.bni.co.id
Best Banking API Solution
BNI API 280 services (approved by 2023
Utilized by Indonesia Domestic API
in Indonesia
regulator), the most compared to
2.000++ partners Initiatives of The Year 2024
peers Global Recognition
We Optimize All Three Possible Roles in Every Ecosystem Optimizing API to BNI’s Core Operational
Presenting comprehensive Using partner’s platform as a Provides services to Digitized stamp for Quick & Simple fund
offer of the ecosystem channel to sell bank’s partners so they can contract documents valued transfer API provided by
through a platform products potentiate their products more than IDR 5 Million Bank Indonesia
Providing integrated holistic Partner with e-commerce, Customize bundled solutions
solutions, such as government, lifestyle companies to sell Smart & secure contract BNI is one of 20 BI Fast
into new products in stamps to prevent fraud Sponsor Bank
education, health, commerce funding and lending products
collaboration with partners
POWERED BY* : POWERED BY :
PT Bank Negara Indonesia (Persero) Tbk. Page 39
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Management 02 Financial 03 04 Digital 05
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3Q-2024 Digital Initiatives Highlight highlight Initiatives
Solid Digital Solutions for Business Banking Clients
Ample Room for Growth # of Users (in 000)
BNIDIRECT WEB & MOBILE API SERVICES
8.0%
75%
• Strong penetration rate in Corporate clients: YoY
of total transaction value comes from Corporate Clients 161.0
149.0
• Corporate Clients’ transaction value increased by 42% YoY
Sep-23 Sep-24
Transaction Value (in IDR Tn)
15.3%
Various digital channels YoY
5,743
to help customers make 4,981
transactions whenever,
wherever
9M23 9M24
Payment Management Value Chain Management # of Transactions (in Mn)
ONLINE BANK FINANCIAL SUPPLY
GUARANTEE CHAIN MANAGEMENT 28.6%
Collection Management Open Banking Solution
YoY
878
683
Liquidity Management
9M23 9M24
PT Bank Negara Indonesia (Persero) Tbk. Page 40
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Business & Consumer Banking
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Business & Consumer Banking Highlight highlight Initiatives
High quality growth on business banking
Growth (%) NPL (%)
Business Banking (IDR Tn) Sep-23 Dec-23 Mar-24 Jun-24 Sep-24
QoQ YoY
Comp (%)
Sep-23 Dec-23 Mar-24 Jun-24 Sep-24
Manufacturing 135.9 140.9 139.9 144.6 146.5 1.4 7.8 25.1 2.5 3.2 2.6 3.6 3.8
Trading, Resto & Hotel 109.5 111.4 110.0 119.0 117.4 -1.3 7.3 20.1 4.7 3.2 3.3 2.5 2.5
Agriculture 55.0 56.0 54.1 51.7 50.2 -3.0 -8.8 8.6 1.5 1.5 1.5 2.3 2.6
Business Services 48.3 47.4 46.6 45.8 45.9 0.1 -5.0 7.9 1.5 2.3 3.1 2.0 1.4
Infrastructure 54.7 54.5 56.2 55.5 55.0 -0.8 0.6 9.4 2.0 1.6 1.3 1.1 1.0
Transport, Warehouse &
46.9 50.2 50.7 55.7 55.3 -0.8 18.0 9.5 1.7 1.8 1.9 1.4 1.3
Communications
Social Services 24.0 25.6 26.4 29.1 29.0 -0.5 20.5 5.0 1.7 1.6 1.2 0.8 0.8
Natural Resources 38.7 44.8 41.4 47.5 50.7 6.8 31.2 8.7 0.3 0.4 0.3 0.1 0.1
Electricity, Gas & Water 28.9 27.6 27.2 27.7 27.7 0.1 -4.3 4.8 0.8 0.9 0.1 0.1 0.1
Others 2.7 3.2 3.2 4.1 5.2 26.1 96.6 0.9 0.1 0.1 0.1 0.9 0.7
Total 544.6 561.6 555.7 580.7 582.9 0.4 7.0 100 2.3 2.2 2.1 2.1 2.1
Electricity, Gas & Water Natural Resources Manufacturing
100.0 5.0%
150.0
146.5
15.0%
144.6
40.0 10.0%
90.0
80.0
28.9 140.8
35.0 145.0
27.6 27.3 27.7 27.7
70.0
50.7 139.9
47.5
10.0%
44.8
30.0 60.0
41.4
140.0
135.9
38.7
50.0
25.0 5.0%
3.8%
40.0
3.6%
135.0
3.2% 2.6%
20.0 30.0 5.0%
0.8% 0.9% 20.0 0.4% 0.3% 0.1% 0.1% 2.5%
0.1% 0.1% 0.1% 0.3%
130.0
15.0
10.0
10.0 0.0%
- 0.0%
125.0 0.0%
Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24
Amount NPL Amount NPL Amount NPL
PT Bank Negara Indonesia (Persero) Tbk. Page 42
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Management 02 Financial 03 04 Digital 05
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3Q-2024 Business & Consumer Banking Highlight highlight Initiatives
Consumer Business
Growth NPL (%)
Product (IDR Tn) Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Comp (%) NPL Movement - %
YoY Sep-23 Sep-24
Mortgage 56.5 58.5 60.1 62.2 63.8 13.0 46.5 2.9 2.3 2.9
2.8 2.9
2.6 2.6 2.6 2.6
Personal Loan 48.3 50.6 52.1 53.8 55.9 15.7 40.8 0.9 0.8 2.2 2.3
Payroll Loan 45.2 47.3 48.8 50.3 52.3 15.6 38.1 1.0 0.8 1.7 1.7 1.7 1.7 1.8 1.8
1.6 1.6 1.6
Fintech Pay later 3.1 3.3 3.3 3.5 3.6 17.2 2.6 2.1 1.8 1.0 0.9
0.7 0.8 0.8 0.8 0.8 0.8
0.7
Credit Card 13.5 14.0 14.2 14.4 14.6 7.9 10.7 1.7 1.8 0.2 0.2 0.1 0.1 0.1 0.1 0.1
0.5 0.5
Others 1.2 1.4 1.8 2.3 2.7 119.7 2.0 0.5 0.1 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24
Total 119.5 124.5 128.3 132.7 137.0 14.6% 100.0% 2.0 1.6 Mortgage Personal Loan Credit Card Others
Ample Room for Growth for Payroll Loan
Personal Loan Debtors Composition Sep-24
3,796 3,705 3,735
3,510 3,529 3,623
3,392 3,426
23.9%
2,724
2,302 37.2%
1,894 335 342
281 295 308 312
261 269 4.3% IDR 55.9 Tn
234
185
130 11.5%
23.1%
2016 2017 2018 2019 2020 2021 2022 2023 Mar 2024 Jun 2024 Sep 2024
Number of Payroll Account [Thousand] Number of Payroll Loan Account [Thousand] Government Related SOE Private Companies Universities Other
PT Bank Negara Indonesia (Persero) Tbk. Page 43
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ESG
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Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 ESG Highlight highlight Initiatives
BNI Strong Commitment to Sustainability
BNI’s Five Pillars of Sustainability, Aligning Business
First Mover and Consistently Taking a Role in Shaping Sustainable Finance
to UN SDGs
• Developing ESG Framework as well as Net Zero Emission (NZE)
BNI FOR INDONESIA targets.
Running the company’s business by integrating • Strengthening sustainability implementation in the company
economic, social, environmental and governance Demonstrating through an ESG Board-level Committee and dedicated ESG
aspects. continuous Management Department.
progress • MSCI ESG Rating at BBB attributed to robust workforce
management, corporate behavior, and privacy & data security, as
BNI FOR CUSTOMERS well as maintaining Medium Risk of Sustainalytics' ESG Risk Rating.
Providing excellent services, digital solutions, • Adapting International ESG Reporting Standards.
security, and privacy protection for all customers.
• Responsible financing to sustainable business activities including
green portfolio amounted to Rp188 Tn or 26% of the total loan.
BNI FOR THE ENVIRONMENT We commit to • Climate Risk Stress Test (CRST) reporting to the FSA (OJK) covered
participate in seven sectors, including natural resources, electricity, transportation
Improving environmental quality in line with
and warehouse, construction, agriculture, manufacturing, and
business development. the climate
mortgage, accounting for 50% of total loan portfolio.
action
• Pioneer in the banking industry in Promoting Electric Vehicles and
its ecosystem.
BNI FOR THE COMMUNITY
• Green Office Culture (BNI Go Green) and Waste Management.
Increasing awareness and responsibility to all
levels of society in line with business
development. • Respectable Good Corporate Governance practices.
Responsible • Fair operating, human rights, and labor practices.
Business • Zero data breach with high standard of customer data privacy
BNI FOR EMPLOYEES Operations and security protection.
Providing the best conditions for employees • Zero tolerance for fraud and financial crimes.
as a place of pride for work and accomplishment.
• Effective CSR Program.
PT Bank Negara Indonesia (Persero) Tbk. Page 45
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Management 02 Financial 03 04 Digital 05
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3Q-2024 ESG Highlight highlight Initiatives
BNI ESG Framework along with strong commitment in climate action
Strong commitment to participate in climate
Environment Social action by conducting Climate Risk Stress Test
(CRST)
Conducting climate-related
Increasing employee
financial risk management by
referring to international standards. S engagement Why does CRST matter?
CRST helps us to measure financial
Achieving Operation NZE (Net Zero Emission) Employee capability and operational resilience against
by 2028 and Financing NZE by 2060 climate change and environmental
enhancement
ESG CRST changes
Framework Strengthening customer data
Governance reinforcement in ESG loans
E G
and financial protection ▪ Covers 50% of total loans as part of our
broader strategy to evaluate debtors’
environmental risk exposure
Increasing employee’s awareness ▪ Focusing on industries including natural
& capabilities resources, power plants, construction,
Governance PROGRESS transport & warehouse, agriculture,
manufacture, as well as mortgage.
Sharpening ESG disclosure
Increasing diversity in Board
level Electricity and agriculture are the most
affected by climate risks, while mortgage
has less considerable impact. *)
Strengthening Board’s
OUTPUT
engagement on ESG
*) submitted to OJK in Jul-24
Short Term Focus (2023-2024) Medium Term Focus (2024-2026) Long Term Focus (≥2027)
▪ Optimizing data and methods to enhance
• Strengthening infrastructure • Strengthening debtors’ Risk Acceptance Implementation of climate change risk stress test accuracy.
• Establishing Net Zero Emission Criteria (RAC) management in bank operations ▪ Encouraging clients’ transition plan
roadmap and Carbon Budget • Strengthening infrastructure for climate ▪ Integrating climate risk into credit
change risk management ACTION underwriting
• strengthening Board’s engagement on ESG
• Optimizing data loss prevention
PT Bank Negara Indonesia (Persero) Tbk. Page 46
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Management 02 Financial 03 04 Digital 05
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3Q-2024 ESG Highlight highlight Initiatives
Use of proceeds of 2023 Green Bond issuances
Highlight of The Issuance Green Bond Framework Use of Proceed
Proceeds will be used exclusively to
Issued Date 21 June 2022 finance/refinance assets directly related to 87,3%
"Eligible Green Projects" in accordance with the
Green Bond Principles (related to 10 categories As of 2023, 87.3% of
Amount IDR 5.0 Tn of green investment): proceeds have been
Sustainable IDR 5,0Tn allocated according to
Renewable Energy Transportation
green bond project
Id(AAA) from Climate Change
Rating selection criteria and
Pefindo Energy Efficiency Adaptation
BNI ESG Committee
Waste to Energy and Sustainable Water review.
and Wastewater
Green Bond Investors by Category Waste Management
Management
18% Sectorial distribution
Tenure : 3 Tenure : 5 Sustainable Natural
Sustainable of the proceeds
years Resources and Land 53%
years Agriculture
5%
Use
5% Sustainable Transportation
Terrestrial and Aquatic Green Buildings
Biodiversity Conservation Green Building
13% IDR 4.4Tn
Series B Renewable Energy
Series A 52%
48% Sustainalytics Opinion on
Rp4.0 Tn 47% Rp1.0 Tn
43% Green Bond Framework Waste to energy and
“BNI is adequately positioned to issue green bond 8% waste management
and that the Framework is robust, transparent, and 8% Sustainable Natural
in alignment with the four core components of the Resources and Land Use
Bank Non Bank Retail 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
PT Bank Negara Indonesia (Persero) Tbk. Page 47
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Management 02 Financial 03 04 Digital 05
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3Q-2024 ESG Highlight highlight Initiatives
Environmental & social impacts of eligible assets financed by the issued
Green Bond
Categories Projects Environmental Impact Alignment with SDGs
Solar Power Plant (SHP)
Mini-Hydro Power Plant (MHPP)
Biogas Power Plants
The Jabodebek electric powered Light Rail
Transit (LRT)
Commercial & Office Building obtaining
Green Mark certificate from Building and
Construction Authority (BCA) with Platinum
rating in 2023.
Various recycle projects on paper, plastic,
Waste to Energy and
metal ash, and aluminum waste, as well as
Waste Management organic waste
Sustainable Natural Forest Concession Projects
Resources & Land Use
PT Bank Negara Indonesia (Persero) Tbk. Source: BNI Green Bond Report 2024 Page 48
https://www.bni.co.id/Portals/1/BNI/Perusahaan/ESG/Docs/BNI-Green-Bond-Report-2024.pdf
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3Q-2024 ESG Highlight highlight Initiatives
Promoting Sustainability Linked Loan (SLL) on Top of Sustainable Portfolio
Sustainable portfolio has reached 26% of total loan (bank only), Sustainability-Linked Loans (SLL) are gaining more interest
driven by strong growth of green loans
in IDR Tn
182.9 181.1 178.9 187.6
172.4 Disbursed loan under
Sector SPT
SLL scheme
113.2 116.7
117.0 123.2 118.3 Poultry & Minimizing the
Agrifood impact
Processing of water pollution
55.4 59.7 cagr 67.9 60.6 17,0% 70.9
10,7%
yoy
Cement Achieving specific
2021 2022 2023 Sep-23 Sep-24
Manufacture CO2 emissions
Green Social ~ USD
* sustainable portfolio is loan to business sectors that meet the requirements of The Sustainable Business Activities Category (KKUB) of OJK
363mio
in total Improvement of ESG
BNI Green Portfolio as of September 2024 Steel
Manufacture scoring on annual
Renewable Energy Environmentally sustainable basis
management of living natural
IDR 10.2 Tn 1.0%
yoy resources and land use
48.6%
Financing to hydro, solar & biogas
power plant
IDR 31.9 Tn yoy Packaging
Reducing emissions,
recycling resin and
Manufacture
gender equality
Pollution Prevention
Others
(Sustainable water and wastewater
management, etc.)
-8.1%
IDR 3.4 Tn yoy
IDR 25.4 Tn
0.3%
yoy
SLL encourages borrowers to achieve ambitious Sustainability Performance
Targets (SPT).
PT Bank Negara Indonesia (Persero) Tbk. Page 49
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3Q-2024 ESG Highlight highlight Initiatives
Sector Guides of Responsible Financing
BNI Credit Policy Agriculture – Palm Oil Coal
No Exposure in The palm oil sector guide applies to all palm oil The coal financing guide applies to coal mining and its
plantations, crude palm oil mills, palm oil refiners, and supporting business (trader and heavy equipment suppliers)
traders
Prohibited by the We require customers to demonstrate alignment with No Deforestation policies
government Financing to coal mining is strictly for Top Tier
Corporates with good ESG practices
Illegal logging Obligations to fulfill a mandatory business permits: Plantation Business Permit
(IUP), Cultivation Business License (IUP-B), Plantation Business Registration Legal requirement for the debtor’s business to have
Forced labor, child (IUP-P), Plantation Business Registration (SPUP) an Environmental Impact Analysis (AMDAL)
exploitation, human
rights violation
We require new palm oil debtors to have RSPO or ISPO, and request customers Debtors have at least a Blue PROPER
to achieve full RSPO certification within a timeframe in order to expand their (Environmental Performance Rating) from the
Violating the rights
target market. Ministry of Environment Life and Forestry
of local community
For Medium segment, requirement for ISPO is applied as affirmative covenant. Debtors agree to comply with the loan agreement
Destroying world
the fulfilment of which will be monitored regularly by RM and become subject clause that they will comply with all applicable
heritage sites
to periodic internal audit environmental regulations and required
documentations. The failure to satisfy it will impact
Narcotics loan continuity
productions
& trading % COAL TO TOTAL LOAN COAL LOAN BREAKDOWN
% PALM OIL TO TOTAL LOAN % PALM OIL PORTFOLIO (BANK ONLY)
PALM OIL LOAN BREAKDOWN
Weapons (BANK ONLY) WITH RSPO AND/ OR ISPO
0.04%
1.6% 4.1%
Gambling 19.2%
8.1% 22%
& money 18.3%
laundering 4.1%
Politically
Exposed Person
(PEP)
76.6%
80.2% 78%
Trading protected 95.9%
91.9%
animals Coal Trading Equipment Briquette
Coal others Mining Suppliers Industry
Palm Oil Plantation Refinery & Palm Oil Mill Trading RSPO and/ or In the certification
ISPO Certified process
* sustainable portfolio is loan to business sectors that meet the requirements of The Sustainable Business Activities Category (KKUB) of OJK
PT Bank Negara Indonesia (Persero) Tbk. Page 50
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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
6 out of 11 are independent
commissioners
foster their involvement
Audit Committee Risk Monitoring Predicate as a “Leadership in
Committee
All Committees under BOC are ISO 37001:2016 Corporate Governance”
Based on the 2022 ASEAN Corporate Governance
Nomination & Integrated chaired by an independent Concerning Anti Bribery
Scorecard (ACGS) standard from the Indonesia
Remuneration Governance commissioner Management System Institute for Corporate Directorship (IICD), improved
Committee Committee from “Very Good”
The Board of Directors All BOD members are • Respecting and supporting intellectual
independent from the controlling property Protection
shareholder Fair Operating Practices • fair trade practices and avoiding monopoly
• Maintaining mutual trust and fair relations with
BNI fosters and supports the principles of diversity, equality and non-
& Competition business partners/suppliers/vendors in
discrimination accordance with the code of conduct and
integrity pact.
17% (2 out of 12) BOD are
female
BNI Code of Ethics Whistleblowing System
25% 33% 42%
BOD distribution by age by Annual Declaration
Sep-24 Training/Socialization
<50 years old 50 - 55 >55 years old
PT Bank Negara Indonesia (Persero) Tbk. Page 51
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Embodying Sustainability Culture
Employee Diversity Products/Services with Environmental Impact
2,721 units of ATM BNI Pandai
Women Men
Gender
48% for Disabilities Basic Saving account bundled
52% with card for receiving social
Equipped with voice services and
braille to help people with visual assistance from the government.
25-29 35-40 >50 and physical disabilities
19% 24% 9%
KUR
Age Easy access to financing for
MSMEs business growth as well
BNI WWF Affinity Card as empowering MSMEs to
<25 Cardholders can participate in support the national economy
30-34 41-50
4% 21% funding conservation activities
23%
through a sharing fee of 0.4% BNI Amex Vibe Card
from each retail transaction. Targeting youth segment,
With card using recycled
materials
Empowering Women in Top Management
Green Office Culture
Gender Women Men
31% 69%
• Green Building Certification by the Green Building Council Indonesia (GBCI) with
Gold Certification for Menara BNI and Platinum Certification for Plaza BNI
Note:
• Wastewater management systems in 2 HQ buildings (Menara BNI & Plaza BNI)
1. Top Management defines as AVP, VP, SVP, EVP, and SEVP Level equivalent to 40% of its total yearly water consumption
2. All figures stated as of Sep 2024 with the total number of full-time employees:
• Solar panel installation for the emergency exit in Plaza BNI
27.150
3. The recruitment, compensation, and career advancement policies of the bank • Adopting a paperless office administration system (E-Office)
make no distinctions based on ethnicity, religion, race, gender, or
physical disability.
• Green campaign through various media
United Nations Environment Indonesia Sustainable Indonesia Business Indonesia Green Indonesia Human
Association Programme Finance Finance Initiatives (IKBI) Council for Sustainable Building Council Capital Forum
membership Initiatives (UNEP FI) Founder/Member Development (IBCSD) (GBCI) (FHCI)
Member Founder/Member Member Member
PT Bank Negara Indonesia (Persero) Tbk. Page 52
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As a systemic bank, BNI put heavy emphasis on IT & Digital Risk Management
Establishment of CISO IT Security Governance
(Chief Information Security Officer) Centers on Three Pillars IT & Digital Risk Management Framework
▪ Security Policy
Technology GOVERNANCE PROTECTION OPERATION ▪ Security Awareness to employees & customers
& Operations ▪ Attack Simulation to employees
Director
PEOPLE ▪ Dedicated Cybersecurity Staff
SEVP
SEVP IT OPERATIONS
▪ Security Assessment
IT Strategy & Wholesale Banking Security Multi-layer 24x7 Security ▪ Cybersecurity Operation & Threat Management
Operations awareness defense Operation
Architecture Digital Delivery
mechanism Center (SOC) ▪ Penetration Testing & Vulnerability Assessment
Information
PROCESS ▪ Threat Intelligence
security Penetration Threat
Retail Digital Digital
provisions testing intelligence
CISO Delivery Operations
Organizational Incident User access Cybersecurity & Data Protections
capabilities management & management
Operations Application Credit forensics Multi-layer security on the infrastructure and network
Operations
Strategy & Development (firewall, IPS, WAF, Database Monitoring, multisite
Development
datacenter, DRC), application (Multi-factor
IT Application
TECHNOLOGY Authentication, Encryption, Secure Software
SORX*
Services Development Life Cycle, Mobile Application Protection),
Technology, end-point protection (Data Loss Prevention, Endpoint
Digital &
Operations IT Infrastructure Detection & Response, Antivirus, Hardening, USB Port
Management blocking) and secure data transmission mechanism
(data encryption, secured Global File Exchange system,
*) SORX: Senior Operational Risk Executive Secure File Transfer Protocol/SFTP, Virtual Private
Network/VPN, Secure Hypertext Transfer
Collaborating with official state bodies Standard & Best Practice Protocol/HTTPs) to protect the customer data from
(BI, OJK and BSSN), security device cyber threat.
principals and other communities to obtain User Access Management
information on threats and weaknesses,
the latest technology and products, as well Identity access management (IAM), Single-sign on (SSO),
Strategic Partner
as support when incidents occur Privileged access management (PAM), Active directory
for end-point access security.
PT Bank Negara Indonesia (Persero) Tbk. Page 53
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External Recognition of Our Best-in-Class ESG Practices
Asian Banking &
MSCI ESG Rating Sustainalytics Finance Awards 2024
CNBC GCG Awards 2024
MSCI ESG Risk Rating Ranking
INDUSTRY
ESG RATINGS 23.2
GROUP 379 out of 1043
BBB Medium
Risk
Banks
UNIVERSE
Negl Low Severe
CCC B BB BBB A AA AAA Med. High Global 6,797 out of 16,073
0-10 10-20 20-30 30-40 40+ Universe Best Practices for Anti-
Indonesia Domestic SME Graft Iniatives and
Last Report: Last Update: Partnership Initiative of the Year Fostering Transparency
13 October 2024 20 September 2024 4 July 2024 15 October 2024
SRI (KEHATI) Index Corporate Governance
IDX ESG Leader Index Perception The 14TH IICD Corporate Asia Sustainability Reporting
Constituent of Sustainable
Investment
1 of 30 Public Company Listed
Index (CGPI) Award 2023 Governance Award 2023 Awards 2023 (ASRA)
INDONESIAN
BIODIVERSITY
FOUNDATION
IDX ESG star-listed companies:
https://esg.idx.co.id/ The Best Overall in Category Asia’s Best Sustainability
The Most Trusted Company Big Cap Public Listed Company
Period: Period: Report (Public Sector) - Gold
20 December 2023 18 September 2023
3 Jun 2024 – 29 Nov 2024 1 Dec 2023 – 31 May 2024 March 2024
* Based on the 2022 ASEAN Corporate Governance Scorecard (ACGS) standard from the Indonesia Institute for Corporate Directorship (IICD)
PT Bank Negara Indonesia (Persero) Tbk. Page 54
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About BNI
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Board of Commissioner
PRADJOTO PAHALA NUGRAHA MANSURY
PRESIDENT COMMISSIONER/INDEPENDENT COMMISSIONER VICE PRESIDENT COMMISSIONER
▪ Vice President Commissioner, Bank Negara ▪ Vice Minister of Foreign Affairs (2023 – 2024)
Indonesia (2020 – 2023) ▪ Vice President Commissioner, Pertamina (2021 – 2023)
▪ President Commissioner, Panah Perak Megasarana ▪ Vice Minister of State-Owned Enterprise (2020 – 2023)
(2018 – 2019)
▪ Vice President Commissioner, Bank Negara
Indonesia (2015 – 2017)
SEPTIAN HARIO SETO ASMAWI SYAM
SIGIT WIDYAWAN
INDEPENDENT COMMISSIONER INDEPENDENT COMMISSIONER
INDEPENDENT COMMISSIONER
▪ Deputy of Investment and Mining Coordination at the ▪ President Commissioner, Bank Tabungan
▪ Independent Commissioner of Jasamarga Tbk.
Coordinating, Ministry for Maritime Affairs and Negara Tbk (2019)
(2015 – 2018)
Investment (2020 – present) ▪ President Director, Jiwasraya (2019)
▪ Director of Roda Pembangunan Jaya (2003-2015)
▪ Special Staff, Coordinating Ministry of Maritime and ▪ President Director, Bank Rakyat Indonesia
Investment Affairs (2018 – 2020) (2015 – 2017)
IMAN SUGEMA
INDEPENDENT COMMISSIONER ERWIN RIJANTO SLAMET FADLANSYAH LUBIS
INDEPENDENT COMMISSIONER COMMISSIONER
▪ Commissioner, Bank Tabungan Negara (2016 –
2019) ▪ President Commissioner, Aplikasinusa Lintasarta ▪ Deputy Cabinet Secretary, Cabinet Secretariat
▪ President Commissioner, Perusahaan Gas (2021 – 2023) of the Republic of Indonesia (2021 - present)
Negara (2015 – 2016) ▪ Board of Commissioners Member, Deposit Insurance ▪ Deputy for Political, Legal and Security Affairs,
▪ Senior Lecturer in Faculty of Economy, IPB Corporation Ex Officio Bank Indonesia Deposit Cabinet Secretariat of the Republic of Indonesia
University Insurance Corporation (2017 – 2020) (2015 - 2021)
▪ Deputy Governor, Bank Indonesia (2015 – 2020)
ASKOLANI MOHAMAD YUSUF PERMANA ROBERTUS BILLITEA
COMMISSIONER COMMISSIONER COMMISSIONER
▪ Director General of Customs and Excise ▪ Deputy for Law and Legislation, Ministry of
▪ Deputy of Protocol, Press and Media of the
Directorate, Ministry of Finance (2021 – present) State-Owned Enterprises (2023 – present)
Presidential Secretariat, Ministry of State Secretariat RI
▪ Director General of Budget, Ministry of Finance ▪ President Commissioner, Bahana Sekuritas
(2024 – present)
(2013 – 2021) (2020 – 2023)
▪ Commissioner, Bank Tabungan Negara (2023 – 2024)
▪ Commisioner, Bank Mandiri (2014-2019) ▪ Independent Commissioner, PT Bank Mandiri
▪ Head of Protocol Bureau of the Presidential
(Persero) Tbk (2019 – 2020)
Secretariat, Ministry of State Secretariat RI (2021 –
▪ Executive Director, Deposit Insurance Agency
2024)
(LPS) (2012 – 2019)
Source: Corporate Website
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Board of Director
ROKYE TUMILAAR PUTRAMA WAHJU SETYAWAN
President Director (CEO) Deputy President Director
▪ President Director, Bank Mandiri (2019-2020) ▪ Retail Banking Director, Bank Negara Indonesia
▪ Director Corporate Banking, Bank Mandiri (2018 (2023 – 2024)
- 2019) ▪ Treasury Director, Bank Negara Indonesia (2022 –
2023)
▪ President Director, Jaminan Kredit Indonesia
(2020 – 2022)
NOVITA WIDYA ANGGRAINI HUSSEIN PAOLO KARTADJOEMENA I MADE SUKAJAYA
Finance Director (CFO) Digital and Integrated Transaction Banking Director Enterprise and Commercial Banking Director
▪ Group Head Strategy & Performance Management, ▪ President Commissioner, Hibank Indonesia ▪ SEVP Remedial & Recovery, Bank Negara
Bank Mandiri (2020) (2023 – 2024) Indonesia (2023 – 2024)
▪ Group Head Accounting, Bank Mandiri (2017-2020) ▪ SEVP Corporate Development & ▪ Commissioner, BNI Sekuritas (2022 - 2024)
Transformation, BNI (2020 – 2024)
DAVID PIRZADA AGUNG PRABOWO RONNY VENIR
Risk Management Director Wholesale and International Banking Director Network and Services Director
▪ SEVP Wholesale Risk, Bank Mandiri (2018-2020) ▪ President Director, BNI Sekuritas (2021 – 2024) ▪ SEVP Network, Bank Negara Indonesia (2019-
▪ Country Chief Risk Officer, Bank of Tokyo ▪ Managing Director, UBS Investment Bank (2013 2020)
Mitsubishi UFJ, Jakarta (2015-2018) -2021) ▪ SEVP Medium Business, Bank Negara
▪ Managing Director, Barclays (2012 – 2013) Indonesia (2018-2019)
MUNADI HERLAMBANG *
CORINA LEYLA KARNALIES MUCHAROM
Institutional Banking Director
Retail Banking Director Human Capital and Compliance Director
▪ Institutional Relations Director, Jasa Raharja
▪ Digital & Integrated Transaction Banking ▪ Division Head of Corporate Communication &
(2021 – 2024)
Director, Bank Negara Indonesia (2023-2024) Secretariat, Bank Negara Indonesia (2021 –
▪ Finance, Human Capital & Risk Management
▪ Consumer Banking Director, Bank Negara 2022)
Director, Wijaya Karya Bitumen (2019 – 2021)
Indonesia (2020 – 2023) ▪ Division Head of Strategic Planning, Bank
TOTO PRASETIO ▪ General Manager of Data Management & Negara Indonesia (2017 – 2021)
Technology and Operations Director Analytic Division, Bank Negara Indonesia (2019-
2020)
▪ SEVP Information Technology, Bank Mandiri
(2019 – 2022)
▪ Group Head IT Application Support, Bank
Mandiri (2017 – 2019)
▪ Head of IT Project Management, Bank Mega
(2015 – 2017)
Source: Corporate Website *In the OJK Fit and Proper Test, after being appointed at the AGM on 4 March 2024
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Network and Distribution
Branchless Commercial Retail Business Consumer Loan Outlets
ATM Employees
Banking Business Center Center (RCC) Center (SKK) (KC, KCP, KK)
Sep-24 207,228 Sep-24 13,388 Sep-24 19 Sep-24 26 Sep-24 12 Sep-24 1.779 Sep-24 27,150
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
2020 152,762 2020 18,230 2020 33 2020 25 2020 12 2020 1,889 2020 27,202
Overseas Offices
Singapore Nov 1955
Hongkong Apr 1963
Tokyo Sep 1969
New York Apr 1983
London Apr 1984
Osaka Dec 2012
Seoul Feb 2016
Amsterdam May 2022
Sydney Sep 2024
Individual Customer Highlights Corporate/SME Customer Highlights
68.9 million 22.2 million 1.9 million 243,219 319,439 630 2,369 316,440
Funding Regular Saving Credit Cards Mortgage Business Banking Corporate Medium Loan Small Loan
Accounts Accounts Customers Debtors Debtors Debtors Debtors
*Including overseas debtors
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E-Banking (Bank Only)
Mobile Banking is set to become Expanding the network of banking services
the dominant banking channel for customers to unbanked people through Agen46
E Channel Branchless Banking
9M23 2023 9M24 YoY (%) 9M23 2023 9M24 YoY (%)
Mobile Banking # Agent 175,229 185,697 207,228 18.3%
#User (Th) 15,617 16,277 17,929 14.8% Agent Fund (IDR Bn) 2,989 3,653 3,971 32.9%
#Trx (Mn) 58.97 85.49 58.18 -1.3%
#Trx (Mn) 738 1,043 1,041 40.9%
Volume (IDR Tn) 42.92 59.91 36.33 -15.4%
Volume (IDR Tn) 874 1,216 1,104 26.2%
#Pandai Account (Th) 20,017 20,021 20,162 0.7%
SMS Banking
Pandai Fund (IDR Bn) 1,129 1,119 875 -0.2%
#User (Th) 12,687 12,695 12,709 0.2%
Reliable Transaction Platform to Support
#Trx (Mn) 486 660 474 -2.4% The Cashless Society
Volume (IDR Tn) 13 17 7 -45.1% Electronic Money & Acquiring
Internet Banking 9M23 2023 9M24 YoY (%)
#User (Th) 2,209 2,217 2,235 1.2% BNI Tap Cash
#Card (Th) 11,488 11,948 13,271 15.5%
#Trx (Mn) 10 14 8 -23.5%
#Trx (Mn) 66 93 83 25.4%
Volume (IDR Tn) 22 30 15 -33.5%
Volume (IDR Bn) 1,644 2,259 1,995 21.3%
ATM
Acquiring (EDC + QRIS + Online Merchant)
#Trx (Mn) 884 1,189 823 -6.8%
#Trx (Mn) 188 270 326 73.3%
Volume (IDR Tn) 479 631 434 -9.4% 65 87 82 26.9%
Volume (IDR Tn)
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A one-stop shop for lifetime finance and business needs
Investment
Life Insurance Securities Venture Capital
Manager
% BNI Ownership % BNI Ownership % BNI Ownership % BNI Ownership
60.0% Empowering customer with 75.0% Respected investment
99.9% (through BNI Sekuritas) 99.9%
banking and securities
Life Insurance Services
Revenue Mix brokerage services Catalyst between BNI's business
Strong Value Proposition as an
Rank in Industry groups and start-ups.
Rank #7
Large customer base for 10%
32%
Others
Investment Manager that focuses on
Bancassurance and
#11 index mutual funds, environmentally
46%
Employee Benefits 24%
• Founded on April 2022
business.
Investment Banking
Investment friendly and fixed income.
(in form of Gross • Obtained OJK license
Banking Revenue
44% 44%
Rank #3
Written Premium)
Rank #8 on January 2023
Brokerage
3% Sep-23 Sep-24
Top Product Asset Under Market share of Index
35%
Life Insurance with Composition
Formed on March 22, 2021, to expand Management Mutual Fund BNV Top Investee
of GWP
Endowment Benefit
Sep-24 BNI Sekuritas proposition as a
5.1% 30
(Solusi Series, Hy End 63%
Pro, and Steady regional player capable of providing
Protection) banking and capital market services
in global financial markets. AUM Market APERD
Bancassurance Employee Benefit Agency
Share Partnership
Digital First SME Bank Consumer Finance
% BNI Ownership Preparing an SME-Focused Digital Bank as Long- % BNI Ownership New Car Financing franchise, emerges as a market
63.9% Term Growth Engine for The Group contender
99.9%
18 May 2022
Loan Portfolio Mix (%)
Officially acquired PT
Bank Mayora Consumer financing's
17 May 2023
Rebranding as Jun-24
33%
82% share of total financing
hibank to support Number of Dealer Partnership
Total Deposit Total Loan financing 82.6%
the vision of 67% Clients No of outlet 71.7%
becoming Indonesia's portfolio with a
Leading MSME
▲31% YoY ▲78% YoY ~ 161 K CIF 1,601 Dealer 50 Outlets tenor of 4-5 years (Sep ’23) (Sep ’24)
Digital Bank. SME Non SME
(Rp9.4 T → Rp12.3 T) (Rp5.4 T → Rp9.7 T)
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Subsidaries Contribution to BNI Group
Group Structure Total Asset (IDR Tn) Net Profit (IDR Bn)
53.9 315.4 339.2
MULTIFINANCE SECURITIES LIFE INSURANCE REMITTANCE BANK VENTURE CAPITAL 45.3
1983 1995 1996 1996 2022* 2022
99.99% 75.00% 60.00% 100.00% 63.92% 99.98% Sep 23 Sep 24 9M23 9M24
Total Subs Contribution (IDR Bn)
ASSET
SECURITIES
MANAGEMENT
2011 2021
99.90% 100.00%
1,866.0
1,638.0
Year of establishment Shares ownership
Note: as of February 2021, the financial summary (report) is excluded BNI Syariah as a consolidated calculation.
* Year of acquisition
9M23 9M24
Note:
- Total Contribution consist of Net Profit +Fee Income + Share Investments
- Fee Income : Contribution of subsidiaries which is directly recorded as FBI in BNI (parent company)
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Subsidiaries Highlighted Performances
BNI Securities
BNI Life Insurance BNI Finance
Consolidated
345.7 2.0
308.3 2.3
291.3 1.3 2.5
41.0
213.7 11.0 7.1 -20.4
202.7 8.122.9
202.7 11.0
26,702 -46.1
24,723 3,417 3,197 5,862
23,071 3,181
848
2,408
1,109 1,181 1,214
5,791 6,211 6,570 507
1,085 247
9M22 9M23 9M24 9M22 9M23 9M24 9M22 9M23 9M24
BNI Remittance LTD HIBANK BNI Ventures
0.3
123.1
2.9
3.1
93.7
-1.1 17,411 0.4
60.3
19.4 -1.2 14,287
514.1
11,654 511.5
13.3 508.2
11.6 506.7
10.0 10.3
7.1 4,453 4,566 503.2 503.2
4,292
9M22 9M23 9M24 9M22 9M23 9M24 9M22 9M23 9M24
Note:
- Data Unaudited
Asset (IDR Bn) Equity (IDR Bn) EAT (IDR Bn) FBI contribution to BNI (IDR Bn)
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Capital Ratios are Well Above Minimum Requirement (Bank Only)
21.88% 21.95% 21.83%
1.71% 20.52% 20.72% 1.49%
1.80%
1.63% 1.58% 1.34%
1.49% 1.43%
1.43% 1.43%
Regulatory
Requirement
13.8% 2.5%
Min. CAR based on 18.59% 18.81% 19.00% (Capital Conservation
17.46% 17.71% Buffer)
Risk Profile + add
buffers
1.5%
(Capital Surcharge
on Systemic Bank)
9.8 %
CAR based on Risk 9.8%
(CAR based on Risk
Profile
Profile)
Sep 23 Dec 23 Mar 24 Jun 24 Sep 24
Notes:
CET 1 AT 1 Tier 2 CAR Countercyclical buffer = 0%
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BASEL 3 Capital Requirement and BNI Capital Realization
2022 2023 Sep-2024 BBNI Capital Realization 2022 2023 Mar-24 Jun-24 Sep-24
Common Equity Tier I Capital (%)
Minimum Requirement 10.3 10.3 10.3 10.3 10.3
a Add On based on Bank's Risk Profile 1.80% 1.80% 1.80%
BNI Realization & Projection 16.1 18.8 17.5 17.7 19.0
Tier I Capital (%)
b Minimum Common Equity Tier 1 Capital 4.50% 4.50% 4.50% 11.8 11.8 11.8 11.8 11.8
Minimum Requirement
BNI Realization & Projection 17.5 20.2 18.9 19.1 20.3
c Tier 1 Capital Minimum 6.00% 6.00% 6.00% Total CAR Based on Risk Profile + Add Buffers
(%)
1. BNI Risk Profile (Rating 2 Sound) 9.8 9.8 9.8 9.8 9.8
d Capital Conservation Buffer 2.50% 2.50% 2.50% 2. Capital Conservation Buffer 2.5 2.5 2.5 2.5 2.5
3. Countercylical Buffer 0% - 2.5% 0 0 0 0 0
Countercyclical Buffer
e 0.00% 0.00% 0.00% 4. Capital Surcharge for DSIB Bucket 1.5 1.5 1.5 1.5 1.5
(Applied to all bank)
Minimum Requirement (%) 13.8 13.8 13.8 13.8 13.8
Capital Surcharge for DSIB CAR BNI Realization & Projection (%) 19.3 22.0 20.5 20.7 21.8
f 1.50% 1.50% 1.50%
(Bank with systemic risk)
Risk Weighted Asset (Bank Only – IDR Tn) 2022 2023 Mar-24 Jun-24 Sep-24
Minimum Common Equity Tier 1
g 10.30% 10.30% 10.30% RWA - Credit Risk 586.1 609.2 614.3 635.0 631.2
+ Risk Profile + Additional Buffers
RWA - Market Risk 2.2 2.8 14.8 12.4 11.0
Minimum Tier 1 Capital based on
h 11.80% 11.80% 11.80% RWA - Operational Risk 93.0 35.0 37.4 37.4 37.4
Risk Profile + Additional Buffers
Total RWA 681.4 647.0 666.5 684.8 679.6
Minimum CAR + Risk Profile
i 13.80% 13.80% 13.80% Total Capital 131.3 142.0 136.8 141.5 148.4
+ Additional Buffers
CAR - % 19.3 22.0 20.5 20.7 21.8
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Breakdown Yield Earning Asset & Interest Bearing Liabilities (bank only)
9M23 9M24 Growth YoY
Breakdown Earning Asset
Amount (IDR Tn) Yield Amount (IDR Tn) Yield Amount Yield
Loan 665.1 7.7% 721.8 7.6% 8.5% -0.2%
Non Loan 217.7 4.2% 215.5 5.7% -1.0% 1.5%
Marketable Securities 142.0 4.5% 150.1 4.6% 5.8% 0.1%
Placement 38.7 4.2% 39.0 4.0% 0.6% -0.2%
Acceptance and other receivables 37.0 2.9% 26.4 13.8% -28.7% 10.9%
Total Earning Assets 882.8 7.1% 937.2 7.1% 6.2% 0.0%
9M23 9M24 Growth YoY
Breakdown Interest Bearing Liabilities
Amount (IDR Tn) CoF Amount (IDR Tn) CoF Amount CoF
Third Party Fund 738.6 2.1% 757.5 2.7% 2.6% 0.6%
Current Account 288.7 1.9% 297.7 2.6% 3.1% 0.7%
Savings 221.5 0.6% 238.1 0.7% 7.5% 0.1%
Time Deposit 228.4 3.9% 221.7 4.9% -2.9% 1.1%
Borrowings & Repo 31.5 8.0% 40.8 7.5% 29.6% -0.5%
MS Issued 22.0 4.7% 29.2 4.6% 32.9% -0.1%
Total Interest Bearing Liabilities 792.1 2.8% 827.5 3.4% 4.5% 0.6%
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BNI Shares & Rating
Historical Share Price Performance
Versus JCI – YoY Trend Market Cap Movement & PBV
Long Term Foreign Currency BBB- 37% 200 200
Long Term Local Currency BBB-/Stable 172
1.40
Fitch Short Term Foreign Currency F3 17% 115
126
1.33
1.36
Rating Viability Rating bb+ 9% 10%
4% 6%
4%
8%
National Long Term Rating AA+/Stable -5%
1.06
National Short Term Rating F1+ 2020 2021 2022 2023 30-Sep-24 1.04
2020 2021 2022 2023 30-Sep-24
-21% Market Cap (IDR Tn) PBV (x)
BBNI Share Price - 1Y (%) JCI - 1Y (%)
Outlook Stable
Long Term Foreign Issuer Credit BBB
Standard Long Term Local Issuer Credit BBB
& Poor's Diversified Shareholder Base
Short Term Foreign Issuer Credit A-2
Short Term Local Issuer Credit A-2 9.6%
Breakdown of shares ownership Retail Geographical distribution of
free float shares (as of Sep-24)
Outlook Stable Ownerships Dec 23 Sep 24
29.6% Indonesia
Foreign Long Term Bank Deposits Baa2
22.1% US & Canada
Moody's
Local Long Term Bank Deposits Baa2 Government RI 60.0% 60.0% 40%
Baseline Credit Assessment Baa3 Free Float 28.1% UK & Europe
Adjusted Baseline Credit Assessment Baa3 Public - Shares 10.7% Rest of Asia
13.0% 13.3%
Domestic
Counterparty Risk Assessment Baa2/p-2
7.0% Singapore
Public -
27.0% 26.7% 2.6% Rest of The World
Foreign 90.4%
Pefindo Corporate Rating AAA/Stable Institutions
▪ Issued shares 37,297,312,916 shares
PT Bank Negara Indonesia (Persero) Tbk. Page 66
Page 69
5 Years Financial Data
Page 70
Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 5 Years Financial Data Highlight highlight Initiatives
5 Years Financial Data (1)
Consolidated Balance Sheet (IDR Bn) 2019 2020 2021 2022 2023 Sep 23 Sep 24
Total Assets 845,605 891,337 964,838 1,029,837 1,086,664 1,009,309 1,068,080
Placement with other banks & BI 47,777 61,329 92,290 51,569 43,794 21,476 15,076
Marketable Securities [market value] 27,447 29,947 26,053 28,556 37,408 34,576 42,246
Government Bonds [market value] 81,029 90,661 111,430 121,291 127,100 123,018 130,287
Loans (gross) 556,771 586,207 582,436 646,188 695,085 671,371 735,018
Third Party Funds 614,311 679,452 729,169 769,269 810,730 747,595 769,739
Deposit from other banks 11,926 9,372 14,377 15,245 11,894 13,599 13,877
Marketable Securities Issued 3,085 3,085 18,751 22,110 21,822 21,875 29,144
Borrowings 57,236 44,114 32,458 35,654 30,950 26,008 34,995
Shareholders’ Equity 125,004 112,872 126,520 140,198 154,733 147,218 162,170
Consolidated Profit or Loss (IDR Bn) 2019 2020 2021 2022 2023 9M23 9M24
Interest Income 58,532 56,173 50,026 54,659 61,472 45,495 48,836
Interest Expense (21,930) (19,021) (11,779) (13,338) (20,196) (14,340) (19,398)
Net Interest Income 36,602 37,152 38,247 41,321 41,276 31,156 29,439
Premium Income Net 1,697 1,471 1,399 1,552 1,659 1,200 1,215
Fee Based Income 11,358 11,864 13,639 14,820 14,783 10,478 11,754
Recovery 2,354 1,549 2,581 3,780 5,030 2,953 3,868
Operating Income 52,012 52,036 55,865 61,472 62,747 45,786 46,275
Operating Expense (23,687) (24,214) (24,801) (27,059) (27,778) (19,544) (20,989)
Pre-Provision Income (PPOP) 28,325 27,822 31,064 34,413 34,970 26,242 25,287
Provisioning Charges (8,838) (22,590) (18,298) (11,514) (9,196) (6,710) (5,389)
Non-Operational Inc/(Exp) (118) (119) (216) (212) (134) (156) (28)
Net Income 15,384 3,280 10,898 18,312 20,909 15,753 16,308
PT Bank Negara Indonesia (Persero) Tbk. Page 68
Page 71
Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 5 Years Financial Data Highlight highlight Initiatives
5 Years Financial Data (2)
Financial Ratios (%) 2019 2020 2021 2022 2023 9M23 9M24
LOAN Growth [Consolidated] 8.6 5.3 5.3 10.9 7.6 7.8 9.5
CASA Ratio [Consolidated] 66.6 68.5 69.4 72.4 71.2 68.6 70.3
CASA Growth [Consolidated] 9.1 5.6 17.1 10.1 3.6 5.6 5.5
CAPITAL
Shareholders equity to total asset 14.8 12.7 13.1 13.6 14.2 14.6 15.2
Tier I - CAR (include operational risk) 18.7 15.7 17.7 17.5 20.2 20.1 20.3
Tier II - CAR (include operational risk) 1.1 1.1 2.0 1.8 1.7 1.8 1.5
Total CAR (credit,market + operational risk) 19.7 16.8 19.7 19.3 22.0 21.9 21.8
ASSET QUALITY
Net Non-Performing Loan 1.2 0.9 0.9 0.5 0.6 0.6 0.6
Gross Non-Performing Loan 2.3 4.3 3.7 2.8 2.1 2.3 2.0
Credit Cost 1.6 4.1 3.3 1.9 1.3 1.4 1.0
NPL Coverage 133.5 182.4 233.4 278.3 319.0 324.5 284.2
RENTABILITY
Pre-Tax ROAA 2.4 0.5 1.4 2.5 2.6 2.6 2.5
ROAE* 13.4 2.6 9.4 14.9 15.2 15.5 14.7
Net Interest Margin 4.9 4.5 4.7 4.8 4.6 4.6 4.2
EFFICIENCY
Cost to Income Ratio 43.9 44.2 43.3 42.6 42.9 41.3 43.8
LIQUIDITY
Loan to Deposit Ratio 91.5 87.3 79.7 84.2 85.8 90.1 95.3
DIVIDEND
Dividend Payout Ratio [%] 25.0 25.0 25.0 40.0 50.0 - -
All ratios are bank only, unless stated otherwise
*ROAE with average total equity as denominator ; 16.4% in 9M24 if the denominator is Tier 1 Capital as reported to OJK
PT Bank Negara Indonesia (Persero) Tbk. Page 69
Page 72
Management 02 Financial 03 04 Digital 05
01 Asset Quality ESG
3Q-2024 Equity Research Contact Details Highlight highlight 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 Research David Chong David.chongvc@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
PT Bank Negara Indonesia (Persero) Tbk. Page 70
Page 73
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.
Page 74
Thank You
Names mentioned 60 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Ministry of Creative Economy GDP Growth YoY
p.6
unresolved
org
Ministry of Micro
p.6
unresolved
org
Ministry of Tourism MSME
p.6
unresolved
org
Ministry of Social Affairs Fed Fund Rate
p.6
unresolved
org
Ministry of Housing and Settlement BI
p.6
unresolved
org
Bank Only QoQ
p.22
unresolved
org
Non-Operational Inc
p.24 ×2
unresolved
org
Bank Indonesia
p.27 ×4
unresolved
org
Ministry of Environment Life and Forestry
p.52
unresolved
person
Founder
· Member
p.54
unresolved
org
Minister of Foreign Affairs
p.58
unresolved
org
Minister of State-Owned Enterprise
p.58
unresolved
org
Bank Tabungan
p.58
unresolved
org
Jasamarga Tbk.
p.58
unresolved
org
Negara Tbk
p.58
unresolved
org
Ministry of Maritime
p.58
unresolved
org
Bank Rakyat Indonesia Investment Affairs
p.58
unresolved
org
Bank Indonesia Deposit
p.58
unresolved
org
Insurance Corporation
p.58
unresolved
org
Ministry of Finance
p.58 ×2
unresolved
org
Ministry of State Secretariat RI
p.58 ×2
unresolved
org
Presidential (Persero) Tbk
p.58
unresolved
—
CEO
· President Director
p.59
unresolved
—
CFO
· Director
p.59
unresolved
org
Enterprise
· Director
p.59
unresolved
org
Bank Negara Bank Mandiri
p.59
unresolved
org
Bank TOTO PRASETIO
p.59
unresolved
person
Analytic Division
· Director
p.59
unresolved
org
PT Bank Mayora
p.62
unresolved
org
BNI Remittance LTD
p.64
unresolved
org
Bank Deposits
p.68 ×2
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