PT Bank Negara Indonesia (Persero) Tbk Class B · IDX:BBNI
PT Bank Negara Indonesia (Persero) Tbk Class B — Q1 2024 Earnings Presentation
72 slides from PT Bank Negara Indonesia (Persero) Tbk Class B's earnings presentation, Apr 29, 2024
Slide 1: Corporate Presentation 1Q-2024
Corporate Presentation 1Q-2024Jakarta, 29 April 2024 PT BANK NEGARA INDONESIA (PERSERO) TBK.
Slide 2: Table of Contents
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives Table of Contents ◎ Management Highlights 03 ◎ Macroeconomics Highlight 10 ◎ Financial Performance 16 Highlighted Results 17 Loan Composition 19 Loan Disbursement 1Q-2024 20 Profit or Loss 21 Fee Based Inco
Slide 3: Management Highlight
1Q2024 Management Highlight
Slide 4: Quality-focused growth given external headwinds
Management Financial Digital 01 02 03 Asset Quality 04 05 ESG Highlight highlight Initiatives 1Q2024 Management Highlight Quality-focused growth given external headwinds LOAN (IDR Tn) CASA (IDR Tn) NIM & COST OF THIRD-PARTY FUND (%) 695.1 695.2 671.4 577.5 4.78 4.68 650.8 4.68 634.3 543.5 4.49 4.36
Slide 5: The fourth year of transformation focuses on reigniting productivity
Management Financial Digital 01 02 03 Asset Quality 04 05 ESG Highlight highlight Initiatives 1Q2024 Management Highlight The fourth year of transformation focuses on reigniting productivity Key focuses in BNI Transformation Year 1 Year 2 Year 3 Year 4 [2021] [2022] [2023] [2024] Capital strengtheni
Slide 6: 2024 transformation focus: Regional Office & Commercial Business Centre Productivity
Management Financial Digital 01 02 03 Asset Quality 04 05 ESG Highlight highlight Initiatives 1Q2024 Management Highlight 2024 transformation focus: Regional Office & Commercial Business Centre Productivity REGIONAL OFFICE PRODUCTIVITY ENHANCEMENT COMMERCIAL BUSINESS CENTRE PRODUCTIVITY ENHANCEMENT
Slide 7: Management transition highlights the bank's strong focus
Management Financial Digital 01 02 03 Asset Quality 04 05 ESG Highlight highlight Initiatives 1Q2024 Management Highlight Management transition highlights the bank’s strong focus Based on BNI AGM on 4 March 2024 Critical changes align with BNI’s focus to enhance business growth & The other appointme
Slide 8: We have issued Bond as an alternative source of funding amidst the high CoF environment
Management Financial Digital 01 02 03 Asset Quality 04 05 ESG Highlight highlight Initiatives 1Q2024 Management Highlight We have issued Bond as an alternative source of funding amidst the high CoF environment Slow growth in system third party fund, More Conservative on FX Liquidity Bond issued unde
Slide 9: ESG aspect is embedded in our business
Management Financial Digital 01 02 03 Asset Quality 04 05 ESG Highlight highlight Initiatives 1Q2024 Management Highlight ESG aspect is embedded in our business Our climate action objectives Sustainability enhanced products and services Testament of the substantial progress With an enhanced product
Slide 10: Macroeconomics Highlight
1Q2024 Macroeconomics Highlight
Slide 11: Indonesia's economy is projected to remain resilient this year
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Macroeconomics Highlight Indonesia’s economy is projected to remain resilient this year The economy will be supported by fiscal spending, which we expect to We forecast Indonesia’s GDP growth to rema
Slide 12: Heightening geopolitical tensions could pose risks to the global economy
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Macroeconomics Highlight Nevertheless, the recently heightening geopolitical tensions could pose risks to the global economy VIX Index and Indonesia’s 5Y CDS increased after the heightening Geopoliti
Slide 13: Past conflicts have raised commodity prices
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Macroeconomics Highlight Past conflicts have raised commodity prices Commodity CONSUMPTION RECOVERYprices surged HAS BEEN significantly DRIVEN MORE amid the Russia-Ukraine BY LEISURE conflict, with –
Slide 14: We foresee a series of economic implications if the conflicts intensify
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Macroeconomics Highlight We foresee a series of economic implications if the conflicts intensify No Implication of a weaker exchange rate followed by higher geopolitical risk Indicator’s trend 1 Inve
Slide 15: US sticky inflation, low unemployment and solid growth reinforce FFR cut expectations
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Macroeconomics Highlight Furthermore, the US’s sticky inflation, low unemployment rate, and solid economic growth have all reinforced the market expectation of FFR cut US inflation has shown a slight
Slide 16: Financial Highlights
1Q2024 Financial Highlights
Slide 17: Highlighted results
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Initiatives 1Q2024 Financial Performance Highlight Highlighted results HIGHLIGHTED RESULTS (IDR Bn) 1Q23 1Q24 YoY (%) 1Q23 2Q23 3Q23 4Q23 1Q24 QoQ (%) Total Asset 1,012,363 1,066,715 5.4 1,012,363 1,025,091 1,009,309 1,086,664 1
Slide 18: Key ratios
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Initiatives 1Q2024 Financial Performance Highlight Key ratios HIGHLIGHTED RESULTS (%) 1Q23 1Q24 YoY (%) 1Q23 2Q23 3Q23 4Q23 1Q24 QoQ (%) CASA Ratio (Consolidated) 68.9 69.7 0.8 68.9 69.6 68.6 71.2 69.7 -1.5 COF (Third Party Fund
Slide 19: Healthy growth from lower risk segments
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Initiatives 1Q2024 Financial Performance Highlight Healthy growth from lower risk segments (IDR Tn) GROWTH - % SEGMENT MAR-23 JUN-23 SEP-23 DEC-23 MAR-24 LOAN YIELD BY SEGMENT (%) – BANK ONLY QoQ YoY Corporate 322,2 339,5 355,5
Slide 20: Rp76.7 trillion loan disbursed in 1Q24, driven by top tier clients
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Initiatives 1Q2024 Financial Performance Highlight Rp76.7 trillion loan disbursed in 1Q24, driven by top tier clients QoQ LOAN MOVEMENT (IDR Tn) TOP 3 INDUSTRIES CONTRIBUTING TO QoQ LOAN GROWTH IN MAR-24 Outstanding Increase (ID
Slide 21: Better asset quality drives lower provisioning charges
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Initiatives 1Q2024 Financial Performance Highlight Better asset quality drives lower provisioning charges 1Q23 1Q24 YoY (%) 1Q23 2Q23 3Q23 4Q23 1Q24 QoQ (%) Interest Income 14,804 15,875 7.2 14,804 15,049 15,643 15,976 15,875 -0
Slide 22: Fee income breakdown
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Initiatives 1Q2024 Financial Performance Highlight Fee income breakdown BREAKDOWN NON-INTEREST INCOME (IDR Bn) FEE INCOME FROM BANKING ACTIVITIES GREW BY 10.1% YoY FEE INCOME 1Q23 2Q23 3Q23 4Q23 1Q24 QoQ - % YoY - % 3,215 3,671
Slide 23: Discipline opex spending
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Initiatives 1Q2024 Financial Performance Highlight Discipline opex spending OPEX COMPOSITION (IDR Bn) COST TO INCOME RATIO & COST TO ASSET BANK ONLY - % OPERATING EXPENSES 1Q23 2Q23 3Q23 4Q23 1Q24 QoQ - % YoY - % Personnel Expen
Slide 24: Sound Balance Sheet Profile
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Initiatives 1Q2024 Financial Performance Highlight Sound Balance Sheet Profile GROWTH - % CONSOLIDATED BALANCE SHEET (IDR Bn) MAR-23 JUN-23 SEP-23 DEC-23 MAR-24 QoQ YoY Total Assets 1,012,363 1,025,091 1,009,309 1,086,664 1,066,
Slide 25: Maintain a healthy CASA level
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Initiatives 1Q2024 Financial Performance Highlight Maintain a healthy CASA level THIRD PARTY FUNDS (IDR Tn) THIRD PARTY FUNDS COMPOSITION (IDR Tn) GROWTH - % SEGMENT MAR-23 JUN-23 SEP-23 DEC-23 MAR-24 743,7 765,0 747,6 810.7 780
Slide 26: LCR and NSFR well above regulatory requirement
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Initiatives 1Q2024 Financial Performance Highlight 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.
Slide 27: Asset Quality
1Q2024 Asset Quality
Slide 28: Loan at Risk remains low (bank only)
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Asset Quality Loan at Risk remains low (bank only) LOAN AT RISK (IDR Tn) CURRENT RESTRUCTURED LOAN (IDR Tn) 130,3 121,1 119,4 102,8 102,4 103,8 95,8 89,0 91,4 80,5 73.5 74,0 62,2 57,3 59,9 50,6 40,5
Slide 29: Sufficient Provisioning in line with our risk appetite
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Asset Quality Sufficient Provisioning in line with our risk appetite (bank only) PROVISIONING FOR LOAN (IDR Tn) IDR Tn 3.9 1.7 Prov Charges for loan (net*) 46.9 43.0 46.0 Loan Provision - Dec 2023 Wr
Slide 30: Loan at Risk & Provision Coverage
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Asset Quality Loan at Risk & Provision Coverage NPL & NPL COVERAGE RATIO COC BY SEGMENT – BANK ONLY 2.8% 2.5% SEGMENT 1Q-23 2Q-23 3Q-23 4Q-23 1Q-24 2.3% 2.1% 2.0% Corporate -0.7% 0.1% 0.3% 0.3% -0.6%
Slide 31: LAR by Segment, Write Off & Recovery
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Asset Quality LAR by Segment, Write Off & Recovery SPECIAL MENTION LOAN BY SEGMENT – BANK ONLY LOAN AT RISK BY SEGMENT –BANK ONLY SEGMENT SEP-22 DEC-22 MAR-23 JUN-23 SEP-23 DEC-23 MAR-24 SEGMENT SEP-
Slide 32: Digital Initiatives
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Slide 33: We're triumphing
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Digital Initiatives We’re triumphing E-channel Supports IDR 142 Tn Trx Volume Instead of focusing on a particular product, ATM 13,405 ATMs BNI believes in empowering digital solutions for every needs
Slide 34: Poised to be the Main Banking Channel for Customers
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Digital Initiatives Poised to be the Main Banking Channel for Customers # REGISTERED USERS TRANSACTION (in Mn) FREQUENCY (in Mn) The 1st overall E-Banking Best Product and Business and 1st Phone Bank
Slide 35: BNI Mobile Banking Super Apps Ecosystem
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Digital Initiatives BNI Mobile Banking Super Apps Ecosystem We are accelerating digital services beyond transactions Through BNI Mobile Banking, we continue to expand our services leveraging our ecos
Slide 36: Leveraging AI to enhance customer journey and engagement
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Digital Initiatives Leveraging AI to enhance customer journey and engagement Our data-rich environment provides unique opportunities Powered Data With AI Positive impact on the customer journey and e
Slide 37: Branchless Banking: 194K Agents
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Digital Initiatives Branchless Banking EMPOWERING AGENTS WITH > 14.7K AGENTS ARE LOCATED IN FRONTIER, SOLID CONTRIBUTION TO FINANCIAL INCLUSION POWERFUL MOBILE AGENT APP REMOTE AND DISADVANTAGED AREA
Slide 38: Harnessing the power of open banking
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Digital Initiatives Harnessing the power of open banking BNI OPEN API digitalservices.bni.co.id 2023 Best Banking API Solution BNI API 280 services (approved by in Indonesia Utilized by regulator), t
Slide 39: Solid Digital Solutions for Business Banking Clients
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Digital Initiatives Solid Digital Solutions for Business Banking Clients AMPLE ROOM FOR GROWTH #USER (in 000) BNIDIRECT WEB & MOBILE API SERVICES 8.7% 73% • Strong penetration rate in Corporate clien
Slide 40: Spur Innovation for the clients' convenience
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Digital Initiatives Spur Innovation for the clients’ convenience Comprehensive digital solutions AMPLE ROOM FOR GROWTH Online Account Opening Transfer E-Payroll Billing E-Tax Management Payment Openi
Slide 41: Business & Consumer Banking
1Q2024 Business & Consumer Banking
Slide 42: High quality growth on business banking
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Business & Consumer Banking High quality growth on business banking GROWTH (%) NPL (%) BUSINESS BANKING (IDR Tn) MAR-23 JUN-23 SEP-23 DEC-23 MAR-24 QoQ YoY COMP (%) MAR-23 JUN-23 SEP-23 DEC-23 MAR-24
Slide 43: Consumer Business
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Business & Consumer Banking Consumer Business PRODUCT GROWTH NPL (%) MAR-23 JUN-23 SEP-23 DEC-23 MAR-24 COMP (%) NPL MOVEMENT - % (IDR Tn) YOY MAR-23 MAR-24 Mortgage 54.5 55.3 56.5 58.5 60.1 10.3% 46
Slide 44: Well-established brand and strong consumer banking franchise
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Business & Consumer Banking Well-established brand and strong consumer banking franchise MARKET SHARE IN KEY PRODUCTS Mortgages Personal Loan Credit Card 8.4% 12.8% 15.0% TOP-3 TOP-4 TOP-3 Extensive
Slide 45: ESG
1Q2024 ESG
Slide 46: Best In Class ESG
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight 1Q2024 ESG Highlight Initiatives Best In Class ESG Five Pillars of Sustainability, Aligning Business First Mover and continue to be at the forefront of affecting to UN SDGs sustainable finance • Developing ESG Framework as well
Slide 47: BNI ESG Framework
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight 1Q2024 ESG Highlight Initiatives BNI ESG Framework ENVIRONMENT SOCIAL Adoption of TCFD (Task Force on S Climate-Related Financial Disclosure) Increasing employee engagement guidelines for climate risk management. Achieving Opera
Slide 48: Use of proceeds of 2022 Green Bond issuances
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight 1Q2024 ESG Highlight Initiatives Use of proceeds of 2022 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 d
Slide 49: Environmental & social impacts of eligible assets financed by Green Bonds
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight 1Q2024 ESG Highlight Initiatives Environmental & social impacts of eligible assets financed by the issued Green Bonds Categories Projects Environmental Impact Alignment with SDGs Solar Power Plant Mini-Hydro Power Plants (MHPP)
Slide 50: Promoting Sustainability Linked Loan (SLL) On Top of Sustainable Portfolio
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight 1Q2024 ESG Highlight Initiatives Promoting Sustainability Linked Loan (SLL) On Top of Sustainable Portfolio SUSTAINABLE PORTFOLIO IDR177.3 TN OR 26% OF TOTAL LOAN WE CONTINUE TO PUSH OURSELVES IN GLOBAL SUSTAINABILITY (BANK ONLY
Slide 51: Sector Guides of Responsible Financing
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight 1Q2024 ESG 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 mini
Slide 52: Good Corporate Governance Practices
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight 1Q2024 ESG Highlight Initiatives Promoting Sustainability Linked Loan (SLL) On Top of Sustainable Portfolio TOP MANAGEMENT GOOD CORPORATE GOVERNANCE PRACTICES The Board of Commissioners Protection of minority One share, one vote
Slide 53: Embodying Sustainability Culture
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight 1Q2024 ESG Highlight Initiatives Embodying Sustainability Culture WE CONTINUE TO PUSH OURSELVES IN GLOBAL SUSTAINABILITY AGENDA EMPLOYEE DIVERSITY BY INTRODUCING SUSTAINABILITY LINKED LOAN (SLL) 2,723 units of ATM BNI Pandai Wom
Slide 54: IT & Digital Risk Management
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight 1Q2024 ESG Highlight Initiatives As a systemic bank, BNI put heavy emphasis on IT & Digital Risk Management IT & DIGITAL RISK MANAGEMENT FRAMEWORK Security Policy IT & Digital Risk Security Awareness to employees & customers Man
Slide 55: External Recognition of Our Best-in-Class ESG Practices
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight 1Q2024 ESG Highlight Initiatives External Recognition of Our Best-in-Class ESG Practices ASIA SUSTAINABILITY CNBC INDONESIAN MSCI ESG RATING SUSTAINAYTICS REPORT RATING 2023 AWARDS 2023 MSCI ESG Risk Rating Ranking A 21.4 INDUST
Slide 56: About BNI
1Q2024 About BNI
Slide 57: Board of Director
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 About BNI Board of Director ROKYE TUMILAAR PUTRAMA WAHJU SETYAWAN * President Director (CEO) Vice President Director ▪ President Director, PT .Bank Mandiri (Persero) ▪ Retail Banking Director, PT Ban
Slide 58: Board of Commissioner
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 About BNI Board of Commissioner PRADJOTO PAHALA NUGRAHA MANSURY PRESIDENT COMMISSIONER/INDEPENDENT COMMISSIONER VICE PRESIDENT COMMISSIONER ▪ Vice President Commissioner, PT. Bank Negara ▪ Vice Minis
Slide 59: Network and Distribution
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 About BNI Network and Distribution COMMERCIAL CONSUMER BRANCHLESS SME BUSINESS OUTLETS ATM BUSINESS LOAN CENTER EMPLOYEE BANKING CENTER (SBE) (KC, KCP, KK) CENTER (SKK) Mar-24 194,260 Mar-24 13,405 M
Slide 60: E-Banking (Bank Only)
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 About BNI 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 BRANCH
Slide 61: A one-stop shop for lifetime finance and business needs
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 About BNI 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% Em
Slide 62: Subsidiaries Contribution to BNI Group
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 About BNI Subsidaries Contribution to BNI Group GROUP STRUCTURE TOTAL ASSET (IDR Tn) NET PROFIT (IDR Bn) 111.6 48.9 MULTIFINANCE SECURITIES LIFE INSURANCE REMITTANCE BANK VENTURE CAPITAL 39.4 78.6 19
Slide 63: Subsidiaries Highlighted Performances
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 About BNI Subsidaries Highlighted Performances BNI SECURITIES BNI LIFE INSURANCE BNI MULTIFINANCE CONSOLIDATED 118.4 104.7 12.8 97.2 60.9 28.3 43.4 6.8 1.9 2.3 4.3 4,634 25,454 3,043 22,368 23,739 2,
Slide 64: Capital Ratios are Well Above Minimum Requirement
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 About BNI Capital Ratios are Well Above Minimum Requirement (Bank Only) 21.61% 21.61% 21.78% 21.95% 20.52% 1.89% 1.80% 1.71% 1.85% 1.43% 1.63% 1.44% 1.46% 1.48% 1.43% REGULATORY REQUIREMENT 18.28% 18
Slide 65: BASEL 3 Capital Requirement and BNI Capital Realization
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 About BNI BASEL 3 Capital Requirement and BNI Capital Realization BBNI CAPITAL REALIZATION 2021 2022 2023 CAPITAL 2022 2023 1Q24 I Common Equity Tier I Capital (%) Minimum Requirement 10.3 10.3 10.3
Slide 66: Breakdown Yield Earning Asset & Interest Bearing Liabilities
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 About BNI Breakdown Yield Earning Asset & Interest Bearing Liabilities (bank only) 1Q23 1Q24 GROWTH YoY BREAKDOWN EARNING ASSET Amount (IDR Tn Yield Amount (IDR Tn) Yield Amount Yield Loan 629.8 7.7%
Slide 67: BNI Shares & Rating
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 About BNI BNI Shares & Rating Historical Share Price Performance Versus JCI – YoY trend Market Cap Movement & PBV 220 Long Term Foreign Currency BBB- 37% 200 31% 1.46 Long Term Local Currency BBB-/St
Slide 68: 5 Years Financial Data
1Q2024 5 Years Financial Data
Slide 69: 5 Years Financial Data (1)
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 5 Years Financial Data 5 Years Financial Data (1) Consolidated Balance Sheet (IDR Bn) 2019 2020 2021 2022 2023 1Q23 1Q24 Total Assets 845,605 891,337 964,838 1,029,837 1,086,664 1,012,363 1,066,715 P
Slide 70: 5 Years Financial Data (2)
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 5 Years Financial Data 5 Years Financial Data (2) Financial Ratios (%) 2019 2020 2021 2022 2023 1Q23 1Q24 LOAN Growth [Consolidated] 8.6 5.3 5.3 10.9 7.6 7.2 9.6 CASA Ratio [Consolidated] 66.6 68.5 6
Slide 71: Equity Research Contact Details
Management Financial Digital 03 17 28 Asset Quality 35 48 ESG Highlight Highlight Initiatives 1Q2024 Equity Research Contact Details Equity Research Contact Details NO BROKERAGE ANALYST EMAIL 1 Bahana Securities Yusuf Ade Winoto [email protected] 2 BCA Sekuritas Andre Benas andre.benas@bcasekur
Slide 72: Thank You
Thank You PT BANK NEGARA INDONESIA (PERSERO) TBK.
PT Bank Negara Indonesia (Persero) — Q1 2024 Earnings Presentation on 6ix