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PT BANK OF INDIA INDONESIA TBK FINANCIAL STATEMENTS
AS OF 31 MARCH 2026 AND 31 MARCH 2025 (UNAUDITED)
HEAD OFFICE
Jl. K.H. Samanhudi No. 37. Jakarta, Telp. : 021-3500007 (Hunting), Fax : 021 - 3808178, Contact Center : Hello BOII 150707
Website : www.boiindonesia.co.id, Email : corporate@boiindonesia.co.id. Share Code : BSWD, SWIFT BKIDIDJA.
BRANCH OFFICE
Samanhudi : Jl. Samanhudi No. 37 Central Jakarta 10710
Mangga Dua : Wisma Eka Jiwa Jl. Arteri Mangga Dua Raya Blok RM No. 17 Mangga Dua South Jakarta 10730
Bandung : Jl. Veteran No. 49 Bandung
Tunjungan : Jl. Tunjungan No. 32 Surabaya East Java
Coklat : Jl. Coklat No. 20-22 Surabaya 60161
Denpasar : Ruko Indah Blok 27 Diponegoro Street No. 135-137
Medan : Jl. H. Zainul Arifin No. 55-C/31
Makassar : Jl. Ujung Pandang (Ex. Taman Bahari) No. 13
SUB-BRANCH OFFICE
Kelapa Gading : Graha KNS, Jl Raya Boulevard Barat Blok XC 5-6 Kelapa Gading North Jakarta 14240
Sunter : Jl. Danau Sunter Utara (Sunter Garden Complex) Blok D-1 Kav. 12-13 No. 3 North Jakarta 14350
Kramat Jati : Jl. Raya Bogor KM 21 No. 18 Kramat Jati East Jakarta 13830
MD Place : MD Place Tower 2 South Setiabudi Street No. 7 South Jakarta
Ngagel : Ngagel Jaya South Street No. 169-A Surabaya 60284
Wiyung : Taman Pondok Indah Shophouse Block A-37 Jl. Raya Menganti 211
CASH OFFICE
Gandhi National School : Jl. Pangandaran IX Blok B4 West Ancol North Jakarta
Gandhi Memorial Intercontinental
: Jl. H.B.R Motik - Blok D.6 No. 1 Kemayoran Central Jakarta
School (GMIS)
Page 2
PT BANK OF INDIA INDONESIA TBK
STATEMENTS OF FINANCIAL POSITION
AS OF 31 MARCH 2026 AND 31 DECEMBER 2025
(In millions of rupiah)
No. ACCOUNTS 31 MAR 2026 31 DEC 2025
ASSETS
1. Cash 21,363 28,287
2. Placements with Bank Indonesia 287,697 957,662
3. Placements with other banks 181,267 32,279
4. Spot and derivative/forward receivables 585 44
5. Securities 2,138,663 1,668,184
6. Securities sold under repurchase agreement (repo) - -
7. Securities purchased under resell agreements (reverse repo) 48,373 101,488
8. Acceptance receivables 813 -
9. Loans and financing 4,318,545 4,189,110
10. Sharia financing - -
11. Equity investment - -
12. Other financial assets 32,308 25,769
13. Impairment on financial assets -/-
a. Securities - -
b. Loans and Sharia financing 70,384 63,725
c. Others 3 8
14. Intangible assets 32,279 32,279
Accumulated amortization on intangible asset -/- 27,023 26,099
15. Fixed assets and equipment 164,959 162,023
Accumulated depreciation on fixed assets and equipment -/- 28,549 27,006
16. Non earning assets
a. Abandoned property - -
b. Foreclosed assets 59,855 59,855
c. Suspense accounts - -
d. Interbranch assets - -
17. Other assets 38,479 37,103
TOTAL ASSETS 7,199,227 7,177,245
No. ACCOUNTS 31 MAR 2026 31 DEC 2025
LIABILITIES
1. Current account 524,646 582,274
2. Saving account 110,096 105,309
3. Time deposit 2,978,787 2,930,133
4. Electronic money - -
5. Liabilities to Bank Indonesia - -
6. Liabilities to other banks 68 63
7. Spot and derivative/forward liabilities 619 1,046
8. Liabilities on securities sold under repurchase agreement (repo) - -
9. Acceptance liabilities 813 -
10. Issued securities - -
11. Loans/financing received - -
12. Margin deposit 749 750
13. Interbranch liabilities - -
14. Other liabilities 45,312 45,417
TOTAL LIABILITIES 3,661,090 3,664,992
EQUITIES
15. Paid in capital
a. Capital 2,200,000 2,200,000
b. Unpaid capital -/- 1,462,227 1,462,227
c. Treasury stock -/- - -
16. Additional paid in capital
a. Agio 2,895,254 2,895,254
b. Disagio -/- - -
c. Fund for paid up capital - -
d. Others - -
17. Other comprehensive income
a. Gains 115,136 115,136
b. Losses -/- 2,161 2,161
18. Reserves
a. General reserves 20,000 20,000
b. Appropriated reserves - -
19. Gain/loss
a. Previous years (253,748) (302,031)
b. Current Year 25,883 48,282
c. Dividends paid -/- - -
TOTAL EQUITIES 3,538,137 3,512,253
TOTAL LIABILITIES AND EQUITIES 7,199,227 7,177,245
Page 3
PT BANK OF INDIA INDONESIA TBK
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
FOR THE PERIODS ENDED 31 MARCH 2026 AND 31 MARCH 2025
(In millions of rupiah)
No. ACCOUNTS 31 MAR 2026 31 MAR 2025
OPERATIONAL INCOME AND EXPENSES
A. Interest income and expenses
1. Interest income 102,389 104,706
2. Interest expenses 35,831 35,133
Net interest income (expenses) 66,558 69,573
B. Other operational income and expenses
1. Gains (losses) from increase (decrease) fair value on financial assets (34) (162)
2. Gains (losses) from decrease (increase) fair value on financial liabilities - -
3. Gains (losses) on sale of financial assets - -
4. Gains (losses) on spot and derivatives/forward (realised) 330 526
5. Gains (losses) on investment under equity method - -
6. Gains (losses) from translation of foreign currency transactions 2 (15)
7. Dividend income - -
8. Commission/provision/fee and administration income 2,840 3,518
9. Other income 410 8,105
10. Impairment for financial assets 6,012 19,477
11. Losses on operational risk - -
12. Personnel expenses 14,404 13,841
13. Promotion expenses 74 231
14. Others expenses 16,431 31,409
Net Other Operational Income (Expenses) (33,373) (52,986)
OPERATIONAL PROFIT (LOSS) 33,185 16,587
NON OPERATIONAL INCOME AND EXPENSES
1. Gains (losses) on sale of fixed assets and equipment - 130
2. Other non operational income (expenses) (2) 21
NON OPERATIONAL PROFIT (LOSS) (2) 151
CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 33,183 16,738
Income tax
a. Estimated current year tax 7,300 3,682
b. Deferred tax income (expenses) - -
NET PROFIT (LOSS) AFTER TAX 25,883 13,056
OTHER COMPREHENSIVE INCOME
1. Items that will not be reclassified to profit or loss
a. Revaluation surplus of fixed assets - -
b. Gains (losses) from actuary benefit program - -
c. Others - -
2. Items that will be reclassified to profit or loss
a. Gains (losses) arising from translation of financial statements in foreign currency - -
- -
b. Gains (losses) from changes in fair value of financial assets - debt instruments
measured through other comprehensive income - -
c. Others - -
OTHER COMPREHENSIVE INCOME FOR THE PERIOD AFTER INCOME TAX - -
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 25,883 13,056
Net Profit (Loss) Attributable To :
- Parent Entity 25,883 13,056
- Non-Controlling Interest
NET PROFIT (LOSS) FOR THE PERIOD 25,883 13,056
Total Comprehensive Profit (Loss) Attributable To :
- Parent Entity 25,883 13,056
- Non-Controlling Interest
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 25,883 13,056
PROFIT/LOSS TRANSFER TO HEAD OFFICE - -
DIVIDEND - -
EARNINGS PER SHARE (in full amount) 7 4
Page 4
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF COMMITMENTS & CONTINGENCIES
AS OF 31 MARCH 2026 AND 31 DECEMBER 2025
(In millions of rupiah)
No. ACCOUNTS 31 MAR 2026 31 DEC 2025
I. COMMITTED RECEIVABLES
1. Unused borrowings/financing facilities - -
2. Foreign currency positions to be received from spot and derivatives/forward transactions 123,210 212,690
3. Others 75,230 72,784
II. COMMITTED LIABILITIES
1. Unused credit/financing facilities
a. Committed 258,916 434,867
b. Uncommitted 251,979 230,026
2. Outstanding irrevocable letters of credit - 1,088
3. Foreign currency positions to be submitted for spot and derivatives/forward transactions 118,962 7,671
4. Others - -
III. CONTINGENT RECEIVABLES
1. Received guarantees - -
2. Others 39,861 35,598
IV. CONTINGENT LIABILITIES
1. Issued guarantees 24,790 25,341
2. Others - -
Page 5
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF SPOT AND DERIVATIVE TRANSACTIONS
AS OF 31 MARCH 2026
(In millions of rupiah)
INDIVIDUAL
NO. TRANSACTIONS Notional Objectives Derivative Receivables and Payables
Amount Trading Hedging Receivables Payables
A. Related to Exchange Rate
1 Spot 850 - 850 - -
2 Forward - - - - -
3 Option
a. Put - - - - -
b. Call - - - - -
4 Future - - - - -
5 Swap 241,322 - 241,322 585 619
6 Others - - - - -
B. Related to Interest Rate
1 Forward - - - - -
2 Option
a. Put - - - - -
b. Call - - - - -
3 Future - - - - -
4 Swap - - - - -
5 Others - - - - -
C. Others - - - - -
TOTAL 242,172 - 242,172 585 619
Page 6
PT BANK OF INDIA INDONESIA TBK
CALCULATION OF CAPITAL ADEQUACY RATIO / CAR
AS OF 31 MARCH 2026 AND 31 MARCH 2025
(In millions of rupiah)
CAPITAL COMPONENTS 31 MAR 2026 31 MAR 2025
I Core Capital (Tier 1) 3,362,479 3,371,282
1 Common Equity Tier 1 (CET 1) 3,362,479 3,371,282
1.1 1.1. Paid-in Capital (After the deduction of treasury stock) 737,773 737,773
1.2 1.2. Disclosed Reserves 2,646,530 2,658,986
1.2.1 Addition Factor 3,056,273 3,035,937
1.2.1.1 Other comprehensive income 115,136 107,627
1.2.1.1.1 Translation of financial statements in foreign currency - -
Unrealized gain on financial assets measured through other
1.2.1.1.2 - -
comprehensive income
1.2.1.1.3 Revaluation surplus of fixed assets 115,136 107,627
1.2.1.2 Other disclosed reserve 2,941,137 2,928,310
1.2.1.2.1 Agio / Disagio 2,895,254 2,895,254
1.2.1.2.2 General Reserves 20,000 20,000
1.2.1.2.3 Previous year's profit - -
1.2.1.2.4 Current year's profit 25,883 13,056
1.2.1.2.5 Fund for paid-in capital - -
1.2.1.2.6 Others - -
1.2.2 Deduction Factor (409,743) (376,951)
1.2.2.1 Other comprehensive income - -
1.2.2.1.1 Translation of financial statements in foreign currency - -
Unrealized loss on financial assets measured through other
1.2.2.1.2 - -
comprehensive account
1.2.2.2 Other disclosed reserve (409,743) (376,951)
1.2.2.2.1 Disagio - -
1.2.2.2.2 Previous year's losses (253,748) (302,031)
1.2.2.2.3 Current year's losses - -
Difference between allowance for possible losses and allowance for
1.2.2.2.4 (56,575) -
impairment losses on earning assets
Difference on the total of fair value adjustment from financial instruments
1.2.2.2.5 - -
in trading book
1.2.2.2.6 Allowance for losses on non productive assets required to be provided (99,420) (74,920)
1.2.2.2.7 Others - -
1.3 Non-controlling interest - -
1.4 Deduction Factor of Common Equity Tier 1 (21,824) (25,477)
1.4.1 Deferred tax (16,568) (20,681)
1.4.2 Goodwill - -
1.4.3 Other intangible assets (5,256) (4,796)
1.4.4 Investments in shares of stock - -
1.4.5 Shortage of capital on insurance subsidiary company - -
1.4.6 Securitisation Exposure - -
1.4.7 Other deduction factor of common equity tier 1 - -
Investments in Instruments issued by the other bank that meet the criteria
1.4.7.1
for inclusion in additional tier 1 and tier 2
Cross ownership of other entities obtained due to transfer because of law,
1.4.7.2 - -
grant, or bequest
2 Additional Tier 1 Capital (AT-1) - -
2.1 Instruments that meet the criteria of AT 1 - -
2.2 Agio / Disagio - -
2.3 Deduction factor - -
2.3.1 Investments in Instruments issued by the other bank that meet the criteria for inclusion
- -
in additional tier 1 and tier 2
2.3.2 Cross ownership of other entities obtained due to transfer because of law, grant, or
- -
bequest
Page 7
CALCULATION OF CAPITAL ADEQUACY RATIO / CAR
AS OF 31 MARCH 2026 AND 31 MARCH 2025
(In millions of rupiah)
CAPITAL COMPONENTS 31 MAR 2026 31 MAR 2025
II Tier 2 Capital 32,219 34,553
1 Instruments issued by the bank that meet the criteria for inclusion in
- -
tier 2 capital
2 Agio/disagio - -
3 General allowance for losses on earning assets (max. 1.25% from risk-weighted assets) 32,219 34,553
4 Deduction Factor of Tier 2 Capital - -
4.1 Sinking Fund - -
4.2 Investments in Instruments issued by the other bank that meet the criteria for inclusion in
- -
additional tier 2
4.3 Cross ownership of other entities obtained due to transfer because of law, grant, or bequest
- -
TOTAL CAPITAL 3,394,698 3,405,835
RISK-WEIGHTED ASSETS (RWAs)
RWAs CONSIDERING CREDIT RISK 3,657,025 3,804,258
RWAs CONSIDERING MARKET RISK - -
RWAs CONSIDERING OPERATIONAL RISK 241,595 218,466
TOTAL RISK-WEIGHTED ASSETS 3,898,620 4,022,724
Min. Capital Requirements Based on Risk Profile 9.99% 9.99%
REGULATORY MINIMUM CAPITAL REQUIREMENT ALLOCATION BASED
ON RISK PROFILE
From CET1 ( % ) 9.99% 9.99%
From AT1 ( % ) 0.00% 0.00%
From Tier 2 ( % ) 0.00% 0.00%
CAR RATIO
CET 1 Ratio (%) 86.25% 83.81%
Tier 1 Ratio (%) 86.25% 83.81%
Tier 2 Ratio (%) 0.83% 0.86%
CAR Ratio 87.07% 84.66%
CET 1 FOR BUFFER (%) 76.26% 73.81%
REGULATORY BUFFER PERCENTAGE REQUIRED BY BANK (%)
Capital Conservation Buffer (%) 0.00% 0.00%
Countercyclical Buffer (%) 0.00% 0.00%
Capital Surcharge for Systemic Bank (%) 0.00% 0.00%
Page 8
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF CASH FLOWS
FOR THE PERIODS ENDED 31 MARCH 2026 AND 31 MARCH 2025
(In millions of rupiah)
ACCOUNTS 31 MAR 2026 31 MAR 2025
CASH FLOWS FROM OPERATING ACTIVITIES
Receipt of interest income, fees and commissions 98,081 107,002
Other operating income 1,674 5,780
Payments of interest expenses, fees and commissions (39,489) (38,345)
Payments of post-employment benefits (13,779) (13,216)
Payment of general, administration, maintenance and repairs (11,992) (12,976)
Other non-operating income / (expense) - net (2) 22
Operating Profit before changes in operating activities 34,493 48,267
Changes in operating assets and liabilities
Decrease / (Increase) in operating assets :
Loans (116,834) (192,614)
Other assets (25,494) (45,524)
Increase (decrease) in operating liabilities :
Obligations Due Immediately 2,347 1,111
Deposits (4,181) (18,761)
Other liabilities 756 4,037
Net cash provided by (used in) operating activities (108,913) (203,484)
CASH FLOWS FROM INVESTING ACTIVITIES
Decrease (increase) in securities held until maturity (470,479) 150,505
Proceeds from sale of fixed assets - 130
Acquisitions of fixed assets and intangible assets (1,357) (759)
Decrease (Increase) in securities purchased under resale agreements 53,115 63,353
Net cash provided by investing activities (418,721) 213,229
CASH FLOWS FROM FINANCING ACTIVITIES
Payment of lease liabilities (260) (136)
Stock issuance costs - -
Net cash provided by financing activities (260) (136)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS (527,894) 9,609
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR 1,018,219 275,651
Effect of foreign exchange rate changes 2 (254)
CASH AND CASH EQUIVALENTS AT END OF YEAR 490,327 285,006
SUPPLEMENTAL DISCLOSURES
Cash and cash equivalents consist of :
Cash 21,363 21,777
Placements with Bank Indonesia 287,697 204,906
Placements with other banks 181,267 58,323
Total cash and cash equivalents 490,327 285,006
Page 9
PT BANK OF INDIA INDONESIA TBK
FINANCIAL RATIOS CALCULATION
AS OF 31 MARCH 2026 AND 31 MARCH 2025
No. RATIO 31 MAR 2026 31 MAR 2025
I. Performance Ratio
1 Capital Adequacy Ratio (CAR) 87.07% 84.66%
2 Non performing earning assets and non earning assets to 4.01% 5.72%
total earning assets and non earning assets
3 Non perfoming earning assets to total earning assets 3.22% 4.58%
4 Allowance for impairment on financial assets to earning 1.05% 2.15%
assets
5 NPL gross 5.41% 7.09%
6 NPL net 4.14% 4.15%
7 Return on Asset (ROA) 1.85% 0.99%
8 Return on Equity (ROE) 3.09% 1.54%
9 Net Interest Margin (NIM) 4.02% 4.34%
10 Operating Expenses to Operating Income (BOPO) 72.04% 87.10%
11 Cost to Income Ratio (CIR) 52.74% 43.24%
12 Loan to Deposits Ratio (LDR) 119.51% 132.72%
II. Compliance
1 a. Percentage Violation of Legal Lending Limit
I. Related parties - -
II. Non related parties - -
b. Percentage Lending in excess of Legal Lending Limit
I. Related parties - -
II. Non related parties - -
2 Reserve Requirement
a. Primary Reserve Requirement (Rupiah) 13.38% 5.63%
b. Reserve Requirement (Foreign currencies) 4.20% 4.11%
3 Net Open Position 0.02% 0.28%
Page 10
EARNING ASSETS QUALITY AND OTHER INFORMATION
BANK : PT BANK OF INDIA INDONESIA TBK
DATE OF REPORT : 31 MARCH 2026 AND 31 MARCH 2025
(In millions of Rupiah)
INDIVIDUAL
No. ACCOUNTS 31 MARCH 2026 31 MARCH 2025
L DPK KL D M Total L DPK KL D M Total
I. RELATED PARTIES
1. Placement with other banks 5,222 - - - - 5,222 42,699 - - - - 42,699
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies 5,222 - - - - 5,222 42,699 - - - 42,699
2. Spot and derivative/forward receivables - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
3. Securities - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Claims on securities bought under reverse repo - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables - - - - - - - - - - - -
7. Loans and financing - - - - - - 66 - - - - 66
a. Micro, small and medium enterprises (UMKM) - - - - - - - - - - - -
i. Rupiah - - - - - - - - - - - -
ii.. Foreign currencies - - - - - - - - - - - -
b. Non micro, small and medium enterprises (non UMKM) - - - - - - 66 - - - - 66
i. Rupiah - - - - - - 66 - - - - 66
ii.. Foreign currencies - - - - - - - - - - -
c. Restructured loans - - - - - - - - - - - -
i. Rupiah - - - - - - - - - - - -
ii.. Foreign currencies - - - - - - - - - - - -
8. Equity investment - - - - - - - - - - - -
9. Other receivables* - - - - - - - - - - - -
10. Commitments and contingencies - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
Page 11
EARNING ASSETS QUALITY AND OTHER INFORMATION
BANK : PT BANK OF INDIA INDONESIA TBK
DATE OF REPORT : 31 MARCH 2026 AND 31 MARCH 2025
(In millions of Rupiah)
INDIVIDUAL
No. ACCOUNTS 31 MARCH 2026 31 MARCH 2025
L DPK KL D M Total L DPK KL D M Total
II NON RELATED PARTIES
1. Placement with other banks 176,045 - - - - 176,045 15,624 - - - - 15,624
a. Rupiah 1,043 - - - - 1,043 11,053 - - - - 11,053
b. Foreign currencies 175,002 - - - - 175,002 4,571 - - - - 4,571
2. Spot and derivative/forward receivables 585 - - - - 585 88 - - - - 88
a. Rupiah 585 - - - - 585 88 - - - - 88
b. Foreign currencies - - - - - - - - - - - -
3. Securities 2,138,663 - - - - 2,138,663 1,812,235 - - - - 1,812,235
a. Rupiah 2,138,663 - - - - 2,138,663 1,812,235 - - - - 1,812,235
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Claims on securities bought under reverse repo 48,373 - - - - 48,373 203,092 - - - - 203,092
a. Rupiah 48,373 - - - - 48,373 203,092 - - - - 203,092
b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables - - - - - - - - - - - -
7. Loans and financing 3,467,863 616,883 1,502 2,501 229,796 4,318,545 3,858,923 202,081 2,125 51,517 256,036 4,370,682
a. Micro, small and medium enterprises (UMKM) 410,587 32,971 1,502 2,501 116,102 563,663 454,712 16,949 2,125 30,399 - 504,185
i. Rupiah 400,722 32,971 1,502 2,501 116,102 553,798 449,173 16,949 2,125 30,399 - 498,646
ii.. Foreign currencies 9,865 - - - - 9,865 5,539 - - - - 5,539
b. Non micro, small and medium enterprises (non UMKM) 3,057,276 583,912 - - 113,694 3,754,882 3,404,211 185,132 - 21,118 256,036 3,866,497
i. Rupiah 2,326,685 583,912 - - 54,664 2,965,261 2,854,926 185,132 - 11,141 19,800 3,070,999
ii.. Foreign currencies 730,591 - - - 59,030 789,621 549,285 - - 9,977 236,236 795,498
c. Restructured loans - 133,403 - - 67,805 201,208 58 87,143 - 18,752 242,236 348,189
i. Rupiah - 133,403 - - 8,775 142,178 58 87,143 - 8,775 6,000 101,976
ii.. Foreign currencies - - - - 59,030 59,030 - - - 9,977 236,236 246,213
8. Equity investment - - - - - - - - - - - -
9. Other receivables* - - - - - - - - - - - -
10. Commitments and contingencies 535,623 61 - - - 535,684 290,754 6 - - - 290,760
a. Rupiah 393,340 61 - - - 393,401 266,910 6 - - - 266,916
b. Foreign currencies 142,283 - - - - 142,283 23,844 - - - - 23,844
III OTHER INFORMATION
1. Value of bank's assets pledge as collateral : - -
a. To Bank Indonesia - -
b. To Other Parties - -
2. Foreclosed assets 59,855 81,727
Page 12
PT BANK OF INDIA INDONESIA TBK
ALLOWANCE FOR IMPAIRMENTS LOSSES ON EARNINGS ASSETS
AS OF 31 MARCH 2026 AND 31 MARCH 2025
(In millions of Rupiah)
31 MARCH 2026 31 MARCH 2025
Calculate Allowance Calculate Allowance
No. ACCOUNTS Allowance for Impairment for Possible Allowance for Impairment for Possible
Losses on Earning Assets Losses on Earning Assets
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific
1. Placement with other banks 3 - - 1,813 - - - - 583 -
2. Spot and derivative/forward receivables - - - 6 - - - - 1 -
3. Securities - - - 274 - - - - 370 -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - -
5. Claims on securities bought under reverse repo - - - - - - - - - -
6. Acceptance receivables - - - 8 - - - - - -
7. Loans and financing 7,361 7,975 55,048 29,880 94,809 7,817 3,200 128,359 33,304 102,050
8. Equity investment - - - - - - - - -
9. Other receivables* - - - - - - - - - -
10. Commitments and Contingencies 70 - - 238 3 105 - - 294 -
*) Among others, it consists of unaccepted sight L/C or usance LC receivables, purchased/overwritten traveler's checks, advances to customers, inkaso receivables, bailouts in the framework of government programs.
Page 13
As of 31 March 2026
BANK MANAGEMENT
Board of Commissioners:
President Commissioner : Ashok Kumar Pathak
Independent Commissioner : Handadjaja Sulaiman
Independent Commissioner : Lungguk Gultom
Directors:
President Director : K S B Chandramouli
Business Director : Amit Kumar Singh*)
Operation Director : Carolina Dina Rusdiana
Compliance Director : Dennis Kusuma Halim
Finance Director : Rahmat Hendratama
*) Effective as of March 5, 2026; currently awaiting a work permit from the relevant
authorities.
SHAREHOLDERS
Controlling Shareholders (PSP):
- Bank of India 90.96%
Non-controlling shareholders through capital market (≥ 5%):
Nil -
Non-controlling shareholders not through the capital market (≥ 5%):
Nil -
Other Shareholders:
- Public (Each Shareholding ≤ 5%) 9.04%
BANK OF INDIA SHAREHOLDERS*)
Indian Government 73.38%
Public 26.62%
Page 14
Notes:
● The publication report is presented to fulfill the following conditions:
1. Financial Services Authority Regulation Number 18 of 2025 dated 4 August 2025 concerning Transparency and Publication of Bank Reports.
2. Financial Services Authority Circular Letter Number 29/SEOJK.03/2025 dated 26 November 2025 concerning Transparency and Publication of
Conventional Commercial Bank's Reports.
3. Financial Services Authority Regulation Number 17 of 2023 dated 14 September 2023 concerning the Implementation of Good Corporate
Governance for Commercial Banks.
4. Financial Services Authority Circular Letter Number 14/SEOJK.03/2025 dated 24 June 2025 concerning the Implementation of Good Corporate
Governance for Commercial Banks.
5. Financial Services Authority Regulation Number 14 / POJK.04/2022 dated 18 August 2022 concerning Submission of Periodic Financial Reports of
Issuers or Public Companies.
6. Regulation No. VIII.G.7 which is an attachment to the Decree of the Chairman of the Capital Market and Financial Institution Supervisory Agency
(“Bapepam-LK”) No. KEP-347/BL/2012 dated 25 June 2012 regarding Presentation and Disclosure of Financial Statements of Issuers or Public
Companies.
● Exchange rate as of 31 March 2026: 1 USD = Rp 16,994.50,-
Exchange rate as of 27 March 2025: 1 USD = Rp 16,560.00,-
Exchange rate as of 31 December 2025: 1 USD = Rp 16,675.00,-
Jakarta, 28 April 2026
S.E., & O
PT Bank of India Indonesia Tbk
BOARD OF DIRECTORS
K S B Chandramouli Rahmat Hendratama
President Director Finance Director
PT Bank of India Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia, and a member of Indonesia Deposit
Insurance Corporation (Lembaga Penjamin Simpanan/LPS)
Names mentioned 17 people and organisations named in the text · linked when the evidence is strong
unresolved
person
K.H. Samanhudi
p.1
unresolved
person
H. Zainul Arifin
p.1
unresolved
org
Bank Indonesia
p.2 ×5
unresolved
org
Financial Services Authority
p.14 ×6
unresolved
org
Bapepam-LK
p.14 ×2
unresolved
org
India Indonesia Tbk
p.14 ×2
unresolved
org
Indonesia Deposit Insurance Corporation
p.14
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