PT Bank Negara Indonesia (Persero) Tbk Class B · IDX:BBNI
PT Bank Negara Indonesia (Persero) Tbk Class B — Q1 2025 Earnings Presentation
68 slides from PT Bank Negara Indonesia (Persero) Tbk Class B's earnings presentation, Apr 28, 2025
Slide 1: Corporate Presentation 1Q2025
Corporate Presentation 1Q2025 PT. Bank Negara Indonesia (Persero) Tbk Investor Relations Jakarta, 28 April 2025
Slide 2: Table of Contents
◎ Management Highlights 03 ◎ Macroeconomic Highlights 11 ◎ Financial Highlights 14 Highlighted Results 15 Balance Sheet Highlight 17 Profit or Loss 18 Loan Composition 19 Loan Disbursement 1Q-2025 20 Third Party Fund 21 Table of Contents Liquidity (LCR, NSFR & LDR Ratios) Fee Based Income (FBI) Oper
Slide 3: Management Highlights
Management Highlights BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 3
Slide 4: New leadership team to spearhead BNI's next transformation phase
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES New leadership team to spearhead BNI’s next transformation phase AGMS, 26 March 2025 has approved… “the transformation has been progressing well, and the new management will continue it with strong focus on execution aspe
Slide 5: Navigating global headwinds: Indonesia's resilient growth outlook
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Navigating global headwinds: Indonesia’s resilient growth outlook Stronger indirect impact from Limited direct impact from US to Indonesia other countries Sensitivity to Indonesia’s growth for every 1% Sensitivity to Indo
Slide 6: Prudent stance focusing on business resiliency
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Prudent stance focusing on business resiliency Conservative growth strategy … with improvement in loan book bears fruit RWA density CAGR Dec’20 – Mar’25 11.9% 11.1% 81.6% 81.0% 7.9% 76.5% 73.1% 70.4% 70.1% -0.7% -3.2% Con
Slide 7: BNI's liquidity resilience: balancing growth & risk mitigation
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES BNI’s liquidity resilience: balancing growth & risk mitigation Favorable SRBI yield trend during 1Q25 System M2 growth rate has yet to recover starts to reverse course 14.1 7.50 7.45 7.34 11.5 7.18 7.21 7.25 13.3 7.09 6.9
Slide 8: Steady Core Performance Amid Macro Uncertainty
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Steady Core Performance Amid Macro Uncertainty NII growth supported by Loan Non Interest Income performance and Savings deposit expansion was lagging NII, Loan, and Savings Growth Mar-25 YoY 4.0 1.2 3.9 1.1 10.1% 10.2% 4.
Slide 9: Digital Transformation: Reshaping Our Deposit Base for the Future
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Digital Transformation: Reshaping Our Deposit Base for the Future Wholesale segment transaction banking Retail segment transaction banking BNIdirect transactions contribute to strengthening Solid trend of wondr apps user
Slide 10: Q1 on target | July guidance review pending macro developments
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Q1 on target | July guidance review pending macro developments FY25 Original Aspiration 1Q25 Results Loan Growth 8.0 - 10.0% 10.1% (% YoY) Net Interest 4.0 - 4.2% 3.94% Margin bank only Credit Cost ± 1.0% 0.9% bank only B
Slide 11: Macroeconomic Highlights
Macroeconomic Highlights BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 11
Slide 12: On the domestic side, the latest macro data showed a modest economic environment
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES On the domestic side, the latest macro data showed a modest economic environment CCI declined by 5 points Retail sales was weak during Eid period in Mar-2025 in the first three months of 2025 Foreign Portfolio Flows (USD
Slide 13: Domestic economic growth is projected to gain momentum in 2H25
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Domestic economic growth is projected to gain momentum in 2H25 post budget reallocation Government expenditure & private consumption are The fiscal room from efficiency measure would be expected to be the GDP growth drive
Slide 14: Financial Highlights
Financial Highlights 14 BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Slide 15: Resilient 1Q while stay focused on quality growth
MANAGEMENT FINANCIAL ASSET DIGITAL ESG ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Resilient 1Q while stay focused on quality growth Highlighted Results (IDR Bn) 1Q24 1Q25 YoY (%) 1Q24 2Q24 3Q24 4Q24 1Q25 QoQ (%) Total Asset 1,066,715 1,146,583 7.5 1,066,715 1,072,454 1,068,080 1,129,806 1,146,683 1
Slide 16: Key ratios
MANAGEMENT FINANCIAL ASSET DIGITAL ESG ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Key ratios Highlighted Results (%) 1Q24 1Q25 YoY (%) 1Q24 2Q24 3Q24 4Q24 1Q25 QoQ (%) CASA Ratio (Consolidated) 69.7 70.5 0.8 69.7 70.7 70.3 69.9 70.5 0.6 CoF (Third Party Funds) 2.8 2.8 -0.04 2.8 2.7 2.6 2.7 2.8 0.06
Slide 17: Loan expansion driven by savings deposit
MANAGEMENT FINANCIAL ASSET DIGITAL ESG ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Loan expansion driven by savings deposit Growth - % Consolidated Balance Sheet (IDR Bn) Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 QoQ YoY Total Assets 1,066,715 1,072,454 1,068,080 1,129,806 1,146,583 1.5 7.5 Placement with
Slide 18: NII recovery offsets fee income softness
MANAGEMENT FINANCIAL ASSET DIGITAL ESG ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES NII recovery offsets fee income softness Consolidated Profit & Loss (IDR Bn) 1Q24 1Q25 YoY (%) 1Q24 2Q24 3Q24 4Q24 1Q25 QoQ (%) Interest Income 15,875 16,713 5.3 15,875 16,298 16,663 17,747 16,713 -5.8 Interest Expens
Slide 19: Strategic Loan Growth with Risk Discipline
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Strategic Loan Growth with Risk Discipline (IDR Tn) Growth - % Loan Yield by Segment (%) – Bank Only Segment Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 QoQ YoY Segment 1Q24 2Q24 3Q24 4Q24 FY24 1Q24 1Q25 Corporate 373.7 401.8 408.
Slide 20: Rp98.8 trillion loan disbursed in 1Q25, driven by top tier clients
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Rp98.8 trillion loan disbursed in 1Q25, driven by top tier clients QoQ Loan Movement (IDR Tn) – Bank Only Top 3 Industries Contributing to QoQ Loan Growth in Mar-25 98.8 107.1 2.8 Outstanding Increase (IDR Tn) Quarter-on-
Slide 21: Funding Resilience in Volatile Markets
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Funding Resilience in Volatile Markets Savings Deposit +10.2% YoY Third Party Funds Composition Growth - % 120.0% (IDR Tn) Segment Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 780.2 772.3 769.7 805.5 819.6 QoQ YoY 100.0% CASA 543.5
Slide 22: LCR and NSFR well above regulatory requirement (bank only)
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES LCR and NSFR well above regulatory requirement (bank only) Short-Term Obligations Have Been Well Covered..... .... As Well As for Supporting Long-Term Assets 250.1% 229.0% 230.2% 226.0% 224.0% 224.2% 219.2% 219.0% 215.3%
Slide 23: Fee Based Income breakdown
MANAGEMENT FINANCIAL ASSET DIGITAL ESG ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Fee Based Income breakdown Solid growth in Trading Activities Fee Breakdown of Non-Interest Income supported by favorable rate environment Fee Income 1Q24 2Q24 3Q24 4Q24 1Q25 QoQ % YoY % Consumer Banking 1,717 1,718 1
Slide 24: Variable remuneration & digitalization drove opex in 1Q25
MANAGEMENT FINANCIAL ASSET DIGITAL ESG ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Variable remuneration & digitalization drove opex in 1Q25 Opex Composition (IDR Bn) Cost to Income and Cost to Asset ratio Operating Expenses 1Q24 2Q24 3Q24 4Q24 1Q25 QoQ-% YoY-% Personnel Expenses 3,159 3,192 3,479 4
Slide 25: Asset Quality
Asset Quality BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 25
Slide 26: Strengthening Risk Discipline: Portfolio Improvements Offset by Selective Consumer Pressures
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Strengthening Risk Discipline: Portfolio Improvements Offset by Selective Consumer Pressures Loan at Risk (IDR Tn) Current Restructured Loan (IDR Tn) 102.8 89.0 91.4 88.2 85.4 78.6 81.7 62.2 40.5 39.7 38.9 36.4 34.4 33.6
Slide 27: LAR by Segment, write off & recovery
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES LAR by Segment, write off & recovery Special Mention Loan by Segment Loan at Risk by Segment – Bank Only (Bank Only) Segment Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Segment Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-
Slide 28: Lower NPL & Write-Off Reflect Portfolio Resilience
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Lower NPL & Write-Off Reflect Portfolio Resilience 67% of 1Q25 NPL formation came from 65% of the loan written off during 1Q25 came client origination before 2022 from client origination before 2022 5% 0% Fintech paylater
Slide 29: Strong Reserves & Segmented Trends Underpin Low Credit Cost
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Strong Reserves & Segmented Trends Underpin Low Credit Cost (bank only) Provisioning for Loan (IDR Tn) CoC by Segment Segment 1Q-24 2Q-24 3Q-24 4Q-24 FY-24 1Q-25 2.8 Corporate -0.6% -2.1% -0.1% 1.6% -0.3% -0.4% 1.7 Prov C
Slide 30: LAR, NPL & Provision Coverage Trend
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES LAR, NPL & Provision Coverage Trend LAR & LAR Coverage Ratio NPL & NPL Coverage Ratio 28.7% 4.3% 23.3% 3.7% 16.0% 2.8% 12.9% 13.3% 2.2% 2.1% 2.0% 10.3% 10.9% 2.0% 2.0% 9.1% 319.0% 330.2% 52.7% 278.3% 48.8% 50.4% 48.8% 255
Slide 31: Digital Initiatives
Digital Initiatives 31 BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Slide 32: We're exceeding on every customer touch points
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES We’re exceeding on every customer touch points We are aiming to enhance Mobile Banking digital solutions for all Introduced on 9 Oct 2024 customers’ needs, rather New Integrated Corporate Portal for Wholesale Trx Value ID
Slide 33: Driving the business of retail customers with the new breed of mobile banking
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Driving the business of retail customers with the new breed of mobile banking Drive low-cost fund consistently 9 months of wondr by BNI to get where BNI Mobile Banking achieved in 4 years 19% YoY Average savings balance o
Slide 34: More powerful and intuitive experience with wondr by BNI
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES More powerful and intuitive experience with wondr by BNI Accelerate to deliver and improve experience for more features In less than a year with the global standard of technology All BNI Mobile Banking Features migrated J
Slide 35: Solid Digital Solutions for Business Banking Clients
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Solid Digital Solutions for Business Banking Clients BNI Open API digitalservices.bni.co.id 2023 Best Banking API Solution BNI API 280 services (approved by Utilized by in Indonesia regulator), the most compared to peers
Slide 36: Harnessing the power of integrated wholesale banking solution
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Harnessing the power of integrated wholesale banking solution BNIdirect Ample room for growth Number of Users (in 000) 7.2% • Strong penetration rate in Corporate clients: 77% of total YoY transaction value comes from Cor
Slide 37: Branchless Banking
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Branchless Banking Empowering Agents with Solid Contribution to 16.9k Agents are in Frontier, Remote and Powerful Mobile Agent App Financial Inclusion Disadvantaged Areas 8.2k 218K Agents 4.7k +12.2% YoY 3.9k Spread Acros
Slide 38: Business & Consumer Banking
Business & Consumer Banking 38 BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Slide 39: High quality growth on business banking
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES High quality growth on business banking Growth (%) NPL (%) Business Banking (IDR Tn) Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Comp (%) QoQ YoY Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Manufacturing 139.9 144.6 146.5 154.9 147.7 -4.6
Slide 40: Consumer business
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Consumer business Product Growth Comp NPL (%) NPL Movement - % Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 (IDR Tn) YoY (%) Mar-24 Mar-25 2.8 2.9 2.9 2.9 Mortgage 60.1 62.2 63.8 66.5 67.6 12.5% 46.7% 2.6% 2.9% 2.6 2.6 2.6 2.5 2.2
Slide 41: ESG
ESG 41 BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Slide 42: BNI Strong Commitment to Sustainability
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES BNI Strong Commitment to Sustainability BNI’s Five Pillars of Sustainability, Aligning First Mover and Consistently Taking a Role in Shaping Business to UN SDGs Sustainable Practices BNI FOR INDONESIA • Reinforcement of G
Slide 43: Driving Climate Resilience & Net Zero Goals as the Commitment to Sustainable Finance
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Driving Climate Resilience & Net Zero Goals as the Commitment to Sustainable Finance Environment Social Embracing CRMS for Advanced Sustainability CRMS BNI supports the OJK’s launch of Conducting climate-related financial
Slide 44: Use of proceeds of 2023 Green Bond issuances
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Use of proceeds of 2023 Green Bond issuances Environmental & Green Bond Framework Use of Proceed Social Impacts Proceeds will be used exclusively to Categories Environmental Impact Alignment with SDGs finance/refinance as
Slide 45: Promoting Sustainability Linked Loan (SLL) on Top of Sustainable Portfolio
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Promoting Sustainability Linked Loan (SLL) on Top of Sustainable Portfolio Sustainable portfolio* IDR 182.4 Tn or 24.3% of total loan (bank only) consists of socioeconomic empowerment and green financing First Sustainabil
Slide 46: Sector Guides of Responsible Financing
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Sector Guides of Responsible Financing BNI Credit Policy Agriculture – Palm Oil Coal The palm oil sector guide applies to all palm oil plantations, crude palm oil mills, palm oil refiners, and traders The coal financing g
Slide 47: Best-in-class governance becomes corporate priority
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Best-in-class governance becomes corporate priority Top Management Good Corporate Governance practices The Board of Commissioners Protection of minority One share, one vote shareholders and initiatives to 3 out of 6 are i
Slide 48: Embodying Sustainability Culture
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Embodying Sustainability Culture Employee Diversity Product/ Services with Environmental Impact 2,990 units of ATM BNI UMKM Ramah Lingkungan for Disabilities (BUMI) Equipped with voice services and BNI encourages MSMEs to
Slide 49: As a systemic bank, BNI put heavy emphasis on IT & Digital Risk Management
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES As a systemic bank, BNI put heavy emphasis on IT & Digital Risk Management Establishment of CISO IT Security Governance IT & Digital Risk Management (Chief Information Security Officer) Centers on Three Pillars Framework
Slide 50: External Recognition of Our Best-in-Class ESG Practices
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES External Recognition of Our Best-in-Class ESG Practices Joint Consumer Protection Asia Sustainability Reporting MSCI ESG Rating Sustainalytics Awards (ASRA) 2024 Movement BI 2024 MSCI ESG Risk Rating Ranking ESG RATINGS I
Slide 51: About BNI
About BNI 51 BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
Slide 52: Board of Commissioner (BoC)
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Board of Commissioner (BoC) OMAR SJAWALDY ANWAR TEDI BHARATA PRESIDENT COMMISSIONER/INDEPENDENT COMMISSIONER VICE PRESIDENT COMMISSIONER ▪ Executive Chairman - IBM Indonesia Technology ▪ Deputy for Human Resources, Techno
Slide 53: Board of Director (BoD)
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Board of Director (BoD) PUTRAMA WAHJU SETYAWAN* ALEXANDRA ASKANDAR* President Director (CEO) Deputy President Director ▪ Deputy Vice President, Bank Negara Indonesia (2024— 2025) ▪ Deputy President Director - Bank Mandiri
Slide 54: Network and Distribution
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Network and Distribution Commercial Business Retail Productive Consumer Loan Outlets Branchless Banking ATM Employees Center (CMC) Business Center (RCC) Processing Center (LNC) (KC, KCP, KK*) Mar-25 218,021 Mar-25 13,402
Slide 55: E-Banking (Bank Only)
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES E-Banking (Bank Only) Mobile Banking is set to become Expanding the network of banking services the dominant banking channel for customers to unbanked people through Agen46 1Q24 2024 1Q25 YoY (%) Branchless Banking 1Q24 2
Slide 56: A one-stop shop for lifetime finance and business needs
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES A one-stop shop for lifetime finance and business needs Investment Insurance Securities Venture Capital Manager 60.0% 75.0% 99.9% 99.9% % BNI Ownership % BNI Ownership % BNI Ownership (through BNI Sekuritas) % BNI Ownersh
Slide 57: Subsidiaries Contribution to BNI Group
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Subsidiaries Contribution to BNI Group Group Structure Total Asset (IDR Tn) Net Profit (IDR Bn) 56.1 78.6 49.0 LIFE VENTURE 56.7 MULTIFINANCE SECURITIES REMITTANCE BANK INSURANCE CAPITAL 1983 1995 1996 1996 2022* 2022 99.
Slide 58: Subsidiaries Highlighted Performances
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Subsidiaries Highlighted Performances BNI Securities BNI Life Insurance* BNI Finance Consolidated 11.1 104.7 104.7 2.3 2.3 12.8 97.2 0.7 -3.6 2.4 1.0 0.3 60.9 -0.7 43.4 -5.7 -31.6 48.7 27,526 3,043 6,233 23,739 25,454 2,5
Slide 59: Capital Ratios are well above minimum requirement (Bank Only)
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Capital Ratios are well above minimum requirement (Bank Only) 22.25% 21.83% 21.40% 20.52% 20.67% 1.38% 1.49% 1.44% 1.58% 1.40% 1.63% 1.34% 1.36% 1.43% 1.43% 13.95% REGULATORY 17.66% 19.00% 18.60% 19.47% (starting from Mar
Slide 60: BASEL 3 Capital requirement and BNI Capital realization
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES BASEL 3 Capital requirement and BNI Capital realization 2023 2024 Mar-25 BBNI Capital Realization BBNI Capital Realization Mar24 Dec-24 Mar-25 Add On based on Bank's Risk Profile 1.80% 1.80% 1.95% Common Equity Tier I Cap
Slide 61: Breakdown Yield Earning Asset & Interest Bearing Liabilities (bank only)
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Breakdown Yield Earning Asset & Interest Bearing Liabilities (bank only) 1Q24 1Q25 Growth YoY Breakdown Earning Asset Amt (IDR Tn) Yield Amt (IDR Tn) Yield Amount Yield Loan 686.0 7.5% 750.4 7.4% 9.4% -0.2% Non Loan 249.9
Slide 62: BNI Shares & Rating
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES BNI Shares & Rating Historical Share Price Performance BNI Shares & Rating Market Cap Movement & PBV Versus JCI – YoY Trend 37% 200 Long Term Foreign Currency BBB- 172 162 158 Long Term Local Currency BBB-/Stable 17% 9% 1
Slide 63: 5 Years Financial Data
5 Years Financial Data BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 63
Slide 64: 5 Years Financial Data (1)
MANAGEMENT FINANCIAL ASSET DIGITAL ESG ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES 5 Years Financial Data (1) Consolidated Balance Sheet (IDR Bn) 2020 2021 2022 2023 2024 Mar 24 Mar 25 Total Assets 891,337 964,838 1,029,837 1,086,664 1,129,806 1,066,715 1,146,583 Placement with other banks & BI 61,3
Slide 65: 5 Years Financial Data (2)
MANAGEMENT FINANCIAL ASSET DIGITAL ESG ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES 5 Years Financial Data (2) Financial Ratios (%) 2020 2021 2022 2023 2024 1Q24 1Q25 LOAN Growth [Consolidated] 5.3 5.3 10.9 7.6 11.6 9.6 10.1 CASA Ratio [Consolidated] 68.5 69.4 72.4 71.2 69.9 69.7 70.5 CASA Growth [Co
Slide 66: Equity Research Contact Details
MANAGEMENT FINANCIAL ASSET DIGITAL ESG ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Equity Research Contact Details NO BROKERAGE ANALYST EMAIL 1 Bahana Securities Yusuf Ade Winoto [email protected] 2 BCA Securities Andre Benas [email protected] 3 CGS International Handy Noverdanius
Slide 67: Disclaimer
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES PT. Bank Negara Indonesia (Persero) Tbk. Investor Relations Division Menara Astra Building, 32nd Floor Zone F Jl Jend Sudirman kav. 5 - 6 Jakarta 10220 T: 62-21-86656800 E: [email protected] Disclaimer This presentation has be
Slide 68: Thank You
MANAGEMENT FINANCIAL ASSET DIGITAL ESG HIGHLIGHT HIGHLIGHT QUALITY INITIATIVES Thank You This presentation has been prepared by BNI. The content of this presentation may not be used, duplicated or transmitted in any form without the written consent from BNI. All rights reserved.
PT Bank Negara Indonesia (Persero) — Q1 2025 Earnings Presentation on 6ix