Pt Bank Negara Indonesia (persero) Tbk Class B · IDX:BBNI
Pt Bank Negara Indonesia (persero) Tbk Class B — FY2022 Earnings Presentation
69 slides from Pt Bank Negara Indonesia (persero) Tbk Class B's earnings presentation, Jan 24, 2023
Slide 1: Corporate Presentation FY2022
CORPORATE PRESENTATION FY2022 24 January 2023 PT BANK NEGARA INDONESIA (PERSERO) TBK. | #BNIForStrongerIndonesia
Slide 2: Table of Contents
Q12022 Pa g e No . 01 03 | Management Highlights Table of 02 11 | Macroeconomics Highlight 03 14 | Financial Performance Contents 15 | Highlighted Results 17 | Loan Composition 18 | Loan Movement Q4-2022 19 | Profit & Loss (Consolidated) Earnings Call 20 | Fee Based Income 21 | Operating Expense FY2
Slide 3: Management Highlight
FY2022 Management Highlight PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 3
Slide 4: Strategic Directions for 2023
FY2022 Management Highlight Strategic Directions for 2023 Developing Enhancing Focusing on Increasing business 01 transaction & ecosystem solutions 02 technology infrastructure and 03 sustainable improvement in 04 expansion of top tier corporates in priority to meet customers’ digital innovation CAS
Slide 5: Strong FY 2022 results above consensus
FY2022 Management Highlight Strong FY 2022 results above consensus LOAN (IDR Tn) CASA AMOUNT (IDR Tn) COST OF THIRD-PARTY FUND (%) 557.3 557.3 1.75 646.2 646.2 1.60 1.47 1.46 1.51 620.4 622.6 1.38 1.40 591.7 582.4 506.1 485.7 479.5 479.0 72.4% 72.4% 70.9% 69.2% 69.2% 69.4% Mar 22 Jun 22 Sep 22 Dec 2
Slide 6: Getting more optimist with FY23 outlook
FY2022 Management Highlight Getting more optimist with FY23 outlook FY22 Realization FY22 Guidance FY23 Guidance Loan Growth (% YoY) 10.9% 7.0 - 10.0% 7.0 - 9.0% ≥ 4.7% Net Interest Margin 4.81% 4.6 - 4.8% Initially 4.5 – 4.7% Credit Cost 1.9% 1.9 - 2.1% < 1.5% PT BANK NEGARA INDONESIA (PERSERO) TBK
Slide 7: Terminal NIM data restores confidence for 2023 outlook
FY2022 Management Highlight Terminal NIM data restores confidence for 2023 outlook Healthy NIM amidst cost of fund inflection Loan yield supported by loan repricing and LAR reduction Loan Composition by Pricing 3 Months SOFR and JIBOR continued to increase (Dec-22) impacting the floating rate portfo
Slide 8: Sustainability Linked Loan and global sustainability agenda
FY2022 Management Highlight Despite a good ESG rating, we continue to push ourselves in global sustainability agenda by introducing Sustainability Linked Loan (SLL) Sustainability-linked loans (SLL) are SLL encourages borrowers to starting to gain interest and have been achieve ambitious Sustainabil
Slide 9: Preparing for future-ready digital bank operations
FY2022 Management Highlight Preparing for future-ready digital bank operations - 1st year progress - Key persons Focus for next 12 months Improving fundamental as the stepping-stone (According to AGM held on 6 Jan 2023) PAOLO JENNY KARTADJOEMENA* WIRIYANTO* PRESIDENT COMMISIONER CHIEF EXECUTIVE OFFI
Slide 10: Managing the impact of regulatory changes
FY2022 Management Highlight Managing the impact of regulatory changes New Regulation Change Points Impact to BNI New Method: Standardized approach (SA) SEOJK No 6/SEOJK.03/2020 1. Operational risk RWA is calculated using a multiplier of 12.5 “Concerning Calculation of Risk multiplied by the Capital
Slide 11: Macroeconomics Highlight
FY2022 Macroeconomics Highlight PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 11
Slide 12: Lower inflation pressure + higher benchmark rate + resilient growth
FY2022 Macroeconomics Highlight Lower inflation pressure + higher benchmark rate + resilient growth + reduced global volatility → stable exchange rate BNI predicts Indonesian economy to grow by 5.0% in 2023, higher BNI Key Economic Forecasts than global average of 2.5%. The 2023 growth forecast is 2
Slide 13: BI7DRRR will not be immediately trimmed
FY2022 Macroeconomics Highlight BI7DRRR will not be immediately trimmed, in 2023 it will rise further and stay high momentarily Policy rate in 2022 saw significant increase of 200bps. The year started with policy rate of 3.5%, which had been maintained 18 consecutive months before it was risen in Au
Slide 14: Financial Performance
FY2022 Financial Performance PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 14
Slide 15: Highlighted results
FY2022 Financial Performance Highlighted results HIGHLIGHTED RESULTS (IDR Bn) 2021 2022 YoY (%) 4Q21 1Q22 2Q22 3Q22 4Q22 QoQ (%) Total Asset 964,838 1,029,837 6.7 964,838 931,983 946,495 943,608 1,029,837 9.1 Loan 582,436 646,188 10.9 582,436 591,683 620,423 622,607 646,188 3.8 B/S Third Party Funds
Slide 16: Key ratios – solid performances across major metrics
FY2022 Financial Performance Key ratios – solid performances across major metrics HIGHLIGHTED RESULTS (%) 2021 2022 YoY 4Q21 1Q22 2Q22 3Q22 4Q22 QoQ CASA Ratio (Consolidated) 69.4 72.4 3.0 69.4 69.2 69.2 70.9 72.4 1.6 COF (Third Party Funds) 1.6 1.5 (0.1) 1.5 1.5 1.4 1.4 1.8 0.4 NIM 4.67 4.81 0.15 4
Slide 17: Healthy growth from lower risk segments
FY2022 Financial Performance Healthy growth from lower risk segments (IDR Tn) LOAN YIELD BY SEGMENT (%) – BANK ONLY GROWTH - % SEGMENT DEC-21 MAR-22 JUN-22 SEP-22 DEC-22 QoQ YoY SEGMENT 4Q21 1Q22 2Q22 3Q22 4Q22 Corporate Private 180.4 193.2 205.3 211.9 232.7 9.8 28.9 Blended Loan 7.25 7.29 7.43 7.51
Slide 18: Rp78.4 trillion loans disbursed in Q4-2022
FY2022 Financial Performance Rp78.4 trillion loans disbursed in Q4-2022 (bank only) QoQ LOAN MOVEMENT (IDR Tn) TOP 3 INDUSTRIES CONTRIBUTING TO CORPORATE LOAN GROWTH IN DEC-22 Outstanding Increase (IDR Tn) % 52.5 2.3 78.4 Year-on-Year Natural Resources 19.6 157% • Corporate : 42.8 Tn • Middle : 12.4
Slide 19: Solid PPOP coupled by smaller Loan Loss Provision
FY2022 Financial Performance Solid PPOP coupled by smaller Loan Loss Provision CONSOLIDATED PROFIT & LOSS (IDR Bn) 2021 2022 YoY (%) 4Q21 1Q22 2Q22 3Q22 4Q22 QoQ (%) Interest Income 50,026 54,659 9.3 12,503 12,174 13,356 13,740 15,389 12.0 Interest Expense (11,779) (13,338) 13.2 (2,954) (2,943) (2,9
Slide 20: Fee Income driven by recurring business
FY2022 Financial Performance Fee Income driven by recurring business BREAKDOWN NON-INTEREST INCOME (IDR Bn) BUSINESS BANKING & CONSUMER BANKING FBI NON – INTEREST INCOME 2021 2022 YoY-% 1Q-22 2Q-22 3Q-22 4Q-22 QoQ - % QUARTERLY MOVEMENT - IDR Bn Consumer Banking 6,618 6,923 4.6 1,623 1,719 1,747 1,8
Slide 21: Opex realignment to support transformation agenda
FY2022 Financial Performance Opex realignment to support transformation agenda OPEX COMPOSITION (IDR Bn) COST TO INCOME RATIO & COST TO ASSET BANK ONLY - % OPERATING EXPENSES FY21 FY22 YoY - % 1Q-22 2Q-22 3Q-22 4Q22 QoQ - % (OPEX) Personnel Expenses 11,195 12,456 11.3 2,939 2,902 3,242 3,374 4.1 43.
Slide 22: Optimizing earning asset with healthy liquidity position
FY2022 Financial Performance Optimizing earning asset with healthy liquidity position GROWTH - % CONSOLIDATED BALANCE SHEET (IDR Bn) DEC-21 MAR-22 JUN-22 SEP-22 DEC-22 QoQ YoY Total Assets 964,838 931,983 946,495 943,608 1,029,837 9.1 6.7 Placement with other banks & BI 92,290 58,255 48,575 25,190 5
Slide 23: Maintain a healthy CASA level
FY2022 Financial Performance Maintain a healthy CASA level THIRD PARTY FUNDS (IDR Tn) THIRD PARTY FUNDS COMPOSITION GROWTH - % SEGMENT DEC-21 MAR-22 JUN-22 SEP-22 DEC-22 729,2 692,7 691,8 685,2 769,3 (IDR Tn) QoQ YoY 120.0% 815.0 CASA 506.1 479.5 479.0 485.7 557.3 14.8 10.1 100.0% 715.0 615.0 30.6%
Slide 24: LCR and NSFR well above regulatory requirement
FY2022 Financial Performance 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% 226.0% 229.0% 230.2% 224.0% 224.2% 219.2% 219.0% 215.3% 192.0% 195.0% 193.1% 185.0% 188.0% 189.0% 182.0%
Slide 25: Asset Quality
FY2022 Asset Quality PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 25
Slide 26: Improving risk profile of covid restructured book
FY2022 Asset Quality Improving risk profile of covid restructured book COVID RESTRU BOOK CONTINUED TO DECLINE INLINE WITH POST PANDEMIC RECOVERY COVID RESTRUCTURED LOAN (IDR Tn) % LOAN Trading, Restaurant & Hotel SEGMENT 1.2% DEC-22 Manufacturing DEC-21 MAR-22 JUN-22 SEP-22 DEC-22 to LOAN 4.6% 0.1%
Slide 27: LAR Improvement driven by restructured loan and coll 2 upgrades
FY2022 Asset Quality LAR Improvement driven by restructured loan and coll 2 upgrades LOAN AT RISK INC COVID (IDR Tn) CURRENT RESTRUCTURED LOAN INCL COVID (IDR Tn) 158,6 150,4 147,3 143,8 135,7 130,3 121,1 119,4 102,8 107,0 96,4 91,6 91,0 86,9 80,5 73.5 74,0 62,2 28.7% 26.9% 25.9% 25.2% 23.3% 22.1% 1
Slide 28: Loan at Risk & Provision Coverage
FY2022 Asset Quality Loan at Risk & Provision Coverage LOAN QUALITY & RESTRUCTURED LOAN (IDR Tn) – BANK ONLY ASSIGNED LOAN LOSS RESERVE BY COLLECTIBILITY - % LOAN PROFILE DEC-21 MAR-22 JUN-22 SEP-22 DEC-22 YoY - % QoQ - % COLLECTABILITY DEC-21 MAR-22 JUN-22 SEP-22 DEC-22 Total Loans By Collectabilit
Slide 29: SML, NPL, Write Off & Recovery (Bank Only)
FY2022 Asset Quality SML, NPL, Write Off & Recovery (Bank Only) WRITE OFF & RECOVERY – BANK ONLY SPECIAL MENTION LOAN BY SEGMENT – BANK ONLY 41.5% SEGMENT DEC-20 DEC-21 MAR-22 JUN-22 SEP-22 DEC-22 35.8% 32.8% 33.3% 34.3% 9,770 10,884 9,506 3,898 Corporate 5.5% 5.5% 6.0% 5.2% 4.9% 4.3% 20.1% 8,628 2,
Slide 30: Digital Initiatives
FY2022 Digital Initiatives PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 30
Slide 31: We’re triumphing on every customer touch points
FY2022 Digital Initiatives We’re triumphing on every customer touch points Instead of focusing on a particular product, BNI believes in empowering digital solutions for every needs BNI Mobile Banking Merchant & QRIS Banking solutions on the palm of your hand Riding the “cashless transaction” waves I
Slide 32: Poised to be the main banking channel for customers
FY2022 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 Banking in Model of BNI Mobile the National Banking Industry Banking Innovation 26,1 % 37,6 % YoY
Slide 33: BNI Mobile Banking Super Apps Ecosystem
FY2022 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 ecosystems (BNI Group, One Stop Comprehensive Financial Solutions for Retailers, and Global Partne
Slide 34: Branchless Banking
FY2022 Digital Initiatives Branchless Banking EMPOWERING AGENTS WITH > 7.5K AGENTS ARE LOCATED IN FRONTIER, SOLID CONTRIBUTION TO FINANCIAL INCLUSION POWERFUL MOBILE AGENT APP REMOTE AND DISADVANTAGED AREAS 4.9k 165K +4,7% yoy 1.1k Agents 1.5k Spread Across: CHARGEABLE TRANSACTIONS AT AGENTS 6 Thous
Slide 35: Harnessing the power of open banking
FY2022 Digital Initiatives Harnessing the power of open banking BNI OPEN API digitalservices.bni.co.id BNI API 280 services (approved by Utilized by regulator), the most compared to Recognized Globally 4.000++ partners peers WE OPTIMIZE ALL THREE POSSIBLE ROLES IN EVERY ECOSYSTEM OPTIMIZING API TO B
Slide 36: Solid Digital Solutions for Business Banking Clients
FY2022 Digital Initiatives Solid Digital Solutions for Business Banking Clients #USER (in 000) Ample room for growth 24,9% BNIDIRECT WEB & MOBILE API SERVICES YoY ▪ Strong penetration rate in Corporate clients: 72% of total transaction value comes from Corporate Clients 80.2 100.2 ▪ Corporate Client
Slide 37: Spur Innovation for the clients’ convenience
FY2022 Digital Initiatives Spur Innovation for the clients’ convenience #USER (in 000) Comprehensive digital solutions Recently launched in 2022 Online Account Opening Transfer E-Payroll Billing Opening of BNI’s Current Account E-Tax Management Payment digitally Providing exceptional new features fo
Slide 38: Riding The Wave of E-commerce & Fintech Boom
FY2022 Digital Initiatives Riding The Wave of E-commerce & Fintech Boom #TRANSACTION (in Mn) Number of Digital Clients 526 518 764 458 320 645 196 202 238 187 196 81 51% 51% 98 70 60 322 324 239 271 16 136 168 82 326 390 2018 2019 2020 2021 Jun-22 Sep-22 Dec-22 4Q21 4Q22 All Cash Management Clients
Slide 39: Reliable transaction solution leads to a sticky relationship
FY2022 Digital Initiatives Reliable transaction solution leads to a sticky relationship 218 206 199 204 206 190 191 194 62.9% 181 59.2% 60.9% 55.6% 57.3% 52.7% 50.4% Mobile Banking 47.4% 44.6% user savings balances continue 137 115 114 121 125 to increase (reaching 62.9% of 85 86 96 102 total retail
Slide 40: Business and Consumer Banking
FY2022 Business and Consumer Banking PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 40
Slide 41: High quality growth on business banking
FY2022 Business & Consumer Banking High quality growth on business banking GROWTH (%) COMP NPL (%) BUSINESS BANKING DEC-21 MAR-22 JUN-22 SEP-22 DEC-22 QoQ YoY (%) DEC-21 MAR-22 JUN-22 SEP-22 DEC-22 Manufacturing 122.4 122.6 129.8 127.3 138.7 8.9 13.2 26.1 5.2 4.9 4.6 4.8 4.1 Trading, Resto & Hotel 1
Slide 42: Consumer Business
FY2022 Business & Consumer Banking Consumer Business NPL MOVEMENT - % NPL % 3.7 Growth Compo- Product (IDR Bn) Dec-21 Jun-22 Sep-22 Dec-22 3.2 YoY % sition % Dec-21 Dec-22 3.1 3.0 2.9 2.7 2.6 2.6 Mortgage 51.2 3,2 2.1 2.2 2.2 49.6 51.9 53.5 7,9 48,6 2,6 1.7 2.2 1.7 1.7 1.6 1.8 1.4 Personal Loan 39.1
Slide 43: Well-established brand and strong consumer banking franchise
FY2022 Business & Consumer Banking Well-established brand and strong consumer banking franchise MARKET SHARE IN KEY PRODUCTS Mortgages Personal Loan Credit Card 8.6% 12.1% 14.7% TOP-3 TOP-4 TOP-3 Extensive Lifetime Banking Partner Advisory & IT & digitalization Domestic Network Proposition proximity
Slide 44: ESG
FY2022 ESG PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 44
Slide 45: Best In Class ESG
FY2022 ESG Best In Class ESG Five Pillars of Sustainability, Aligning Business to UN SDGs First Mover and continue to be at the forefront of affecting sustainable finance BNI FOR INDONESIA ▪ Strengthening ESG Governance by establishing an ESG Environmental preservation, BNI is making Committee and d
Slide 46: BNI issued the first green bonds denominated in Rupiah
FY2022 ESG As a pioneer in green banking, BNI issued the first green bonds denominated in Rupiah BNI Green Bond Framework Amount Rp 5.0 Tn Use of Proceeds Proceeds obtained will be used for investment in 10 categories of green areas (based on OJK Regulation Series A : 3 years No. POJK 60/POJK.04/201
Slide 47: Sustainable Portfolio
FY2022 ESG Sustainable Portfolio BNI CREDIT POLICY SUSTAINABLE PORTFOLIO AMOUNTING TO RP182.9 TN OR 28.5% OF TOTAL LOAN (BANK ONLY) NO EXPOSURE IN Socioeconomic Advancement Politically Pollution Prevention Prohibited by the and Empowerment Exposed government Person (PEP) 123.2 Tn 4.0 Tn Through fina
Slide 48: Sector Guides of Responsible Financing
FY2022 ESG Sector Guides of Responsible Financing AGRICULTURE – PALM OIL COAL The palm oil sector guide applies to all palm oil plantations, The coal financing guide applies to coal mining and its supporting crude palm oil mills, palm oil refiners, and traders business (trader and heavy equipment su
Slide 49: Best-in-class governance is a corporate priority
FY2022 ESG Best-in-class governance is a corporate priority Top Management Good Corporate Governance Practices The Board of Commissioners Protection of minority 7 out of 10 are independent One share, one vote shareholders and commissioners initiatives to foster their involvement Audit Risk Monitorin
Slide 50: Embodying Sustainability Culture
FY2022 ESG Embodying Sustainability Culture EMPLOYEE DIVERSITY PRODUCT/SERVICES WITH ENVIRONMENTAL IMPACT 3,243 units of ATM BNI Pandai Women Men for Disabilities Basic Saving account Gender 52% 48% Equipped with voice services bundled with card for to help people with visual and receiving social ph
Slide 51: BNI Cybersecurity Framework
FY2022 ESG BNI Cybersecurity Framework People Process Technology Security Policy Security Assessment Cybersecurity & Data Protections Strong cyber security policy and data • Self-assessment by security and risk team Multi-layer security on the infrastructure and classification implementation. • Cybe
Slide 52: External Recognition of Our Best-in-Class ESG Practices
FY2022 ESG External Recognition of Our Best-in-Class ESG Practices MSCI ESG RATING SUSTAINALYTICS MSCI Indonesia SUSTAINALYTICS ESG Leaders Index MSCI MSCI ESG Risk Rating Ranking TOP ESG RATINGS A Indonesia 3 25.5 Medium Risk INDUSTRY GROUP Banks 395 out of 1013 UNIVERSE Negl. Low Med. High Severe
Slide 53: About BNI
FY2022 About BNI PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 53
Slide 54: Board of Director
FY2022 About BNI Board of Director ROYKE TUMILAAR – PRESIDENT DIRECTOR ADI SULISTYOWATI – VICE PRESIDENT DIRECTOR ▪ President Director, PT. Bank Mandiri (Persero) Tbk (2019 – 2020) ▪ MD – Service and Network, BNI (2020) ▪ MD – Corporate Banking, PT. Bank Mandiri (Persero) Tbk (2018 – 2019) ▪ MD – In
Slide 55: Board of Director
FY2022 About BNI Board of Director SIS APIK WIJAYANTO – INSTITUTIONAL BANKING MUHAMMAD IQBAL – ENTERPRISE & COMMERCIAL DIRECTOR BANKING DIRECTOR ▪ MD- Institutional Relation, PT. Bank Rakyat Indonesia (Persero) Tbk (2017 – 2019) ▪ SVP Small and Medium Enterprise Banking, PT. Bank Mandiri (Persero) T
Slide 56: Board of Commissioners
FY2022 About BNI Board of Commissioners AGUS DERMAWAN WINTARTO MARTOWARDOJO PRADJOTO PRESIDENT COMMISSIONER/INDEPENDENT COMMISSIONER VICE PRESIDENT COMMISSIONER/INDEPENDENT COMMISSIONER ▪ Independent Commissioner, PT Sarana Multi Infrastruktur (2019 –present) ▪ President Commissioner, PT. Panah Pera
Slide 57: Board of Commissioners
FY2022 About BNI Board of Commissioners ERWIN RIJANTO SLAMET – INDEPENDENT COMMISSIONER FADLANSYAH LUBIS – COMMISSIONER ▪ Deputy Governor of Bank Indonesia (2015 – 2020) ▪ Deputy Cabinet Secretary, Cabinet Secretariat of the Republic of Indonesia ▪ Executive Director of Financial System Surveillance
Slide 58: Network and Distribution
FY2022 About BNI Network and Distribution BNI’s Multiple Touch Points for Individual and Corporate Customers Branchless Commercial SME Business Consumer Loan Outlets ATM Employee Banking Business Center Center (SBE) Center (SKK) (KC, KCP, KK) 2022 164.979 2022 16.125 2022 23 2022 27 2022 12 2022 1.8
Slide 59: E-Banking (Bank Only)
FY2022 About BNI E-Banking (Bank Only) MOBILE BANKING IS SET TO BECOME EXPANDING THE NETWORK OF BANKING SERVICES RESTRUCTURING THE DOMINANT BANKING CHANNEL LOAN FORBYCUSTOMERS SECTORS & ITS SCHEME TO UNBANKED PEOPLE THROUGH AGEN46 2020 2021 2022 YoY (%) 2020 2021 2022 YoY (%) BRANCHLESS BANKING # Ag
Slide 60: Subsidiaries
FY2022 Subsidiaries Subsidiaries GROUP STRUCTURE FINANCIAL HIGHLIGHTS (IDR Bn) Balanced Sheet Summary 20201) 20211) 20222) YoY Total Asset 23,765.7 25,796.2 38,231.1 48.2% Liabilities 16,597.0 18,221.5 25,958.0 42.5% Equity 7,168.6 7,574.7 12,273.1 62.0% MULTIFINANCE SECURITIES LIFE INSURANCE REMITT
Slide 61: Subsidiaries
FY2022 Subsidiaries Subsidiaries BNI LIFE** BNI SECURITIES CONSOLIDATED BNI MULTIFINANCE 515.5 17.5 61.2 6.3 19.4 387.9 394.0 395.6 1.10 0.92 1.58 302.1 39.1 0.86 36.4 297.6 202.4 20.7 86.0 14.7 11.0 8.4 14.9 -115.0 18,289 5,612 20,571 5,870 22,816 5,941 23,322 6,012 1,106 798 1,511 1,001 1,656 1,28
Slide 62: BASEL Capital Requirement and BNI Capital Realization
FY2022 About BNI BASEL 3 Capital Requirement and BNI Capital Realization BBNI CAPITAL REALIZATION 2020 2021 2022 CAPITAL 2020 2021 2022 I Common Equity Tier I Capital (%) Minimum Requirement 8.0 7.8 10.3 a Add On based on Bank's Risk Profile 1.95% 1.80% 1.80% BNI Realization & Projection 15.7 16.4 1
Slide 63: BNI Shares & Rating
FY2022 About BNI BNI Shares & Rating BBNI Shares Performance BBNI’s closed price December 30, 2022 (Rp9,225) was +36.7% Year on Year Long Term Foreign Currency BBB- Long Term Local Currency BBB-/Stable ▪ Issued shares 18,648,656,458 shares Fitch Short Term Foreign Currency F3 ▪ Price [30 December 20
Slide 64: 5 Years Financial Data
3Q2022 5 Years Financial Data PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 64
Slide 65: 5 Years Financial Data (1)
FY2022 5 Years Financial Data 5 Years Financial Data (1) Balance Sheet (IDR Billion) 2018 2019 2020 2021 2022 Total Assets 808,572 845,605 891,337 964,838 1,029,837 Placement with other-Banks & BI 39,324 47,777 61,329 92,290 51,569 Marketable Securities (market value) 32,362 27,447 29,947 26,053 28,
Slide 66: 5 Years Financial Data (2)
FY2022 5 Years Financial Data 5 Years Financial Data (2) Financial Ratios - % 2018 2019 2020 2021 2022 CAPITAL Shareholders equity to total asset 13.7 14.8 12.7 13.1 13.6 Tier I - CAR (include operational risk) 17.4 18.7 15.7 17.7 17.5 Tier II - CAR (include operational risk) 1.1 1.1 1.1 2.0 1.8 Tot
Slide 67: Equity Research Contact Details
FY2022 Equity Research Contact Details Equity Research Contact Details NO BROKERAGE ANALYST EMAIL 1 Bahana Securities Yusuf Ade [email protected] 2 BCA Sekuritas Johanes Prasetia [email protected] 3 CGS-CIMB Handy Noverdanius [email protected] 4 Ciptadana Sekurita
Slide 68: Investor Relations Group
PT. Bank Negara Indonesia (Persero) Tbk. Investor Relations Group BNI Building, 24th Floor Jl Jend Sudirman kav. 1 Jakarta 10220 T: 62-21-572-8449/8909/9279 E: [email protected] Disclaimer This presentation has been prepared by PT. Bank Negara Indonesia (Persero) Tbk (the “Company”) for information purpo
Slide 69: Thank You
Thank You PT BANK NEGARA INDONESIA (PERSERO) TBK. #BNIForStrongerIndonesia
PT Bank Negara Indonesia (Persero) — FY2022 Earnings Presentation on 6ix