PT Bank Negara Indonesia (Persero) Tbk Class B · IDX:BBNI

PT Bank Negara Indonesia (Persero) Tbk Class B — FY2024 Earnings Presentation

71 slides from PT Bank Negara Indonesia (Persero) Tbk Class B's earnings presentation, Jan 22, 2025

  1. Slide 1: Corporate Presentation FY-2024

    Corporate Presentation FY-2024 P T BA NK N E GA R A I ND O N ES I A ( PE R S E RO ) T BK . J akarta , 2 2 J anu ary 2 02 5

  2. Slide 2: Table of Contents

    Table of Contents ◎ Management Highlights 03 ◎ Macroeconomics Highlight 11 ◎ Financial Performance 17 Highlighted Results 18 Balance Sheet Highlight 20 Profit or Loss 21 Loan Composition 22 Loan Disbursement 4Q-2024 23 Third Party Fund 24 Liquidity (LCR, NSFR & LDR Ratios) 25 Fee Based Income (FBI)

  3. Slide 3: Management Highlight

    3BUMNex.. wondr BNidirect

  4. Slide 4: Resilient Q4 while stay focused on quality growth

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Management Highlight Highlight highlight Initiatives Resilient Q4 while stay focused on quality growth Strong PPOP Savings & Loan NIM still a challenge 9.5 257.5 775.9 Strong Savings 4.58 8.7 Record high quarterly growth of +11.0%

  5. Slide 5: BNI corporate transformation since 2021

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Management Highlight Highlight highlight Initiatives BNI corporate transformation since 2021 Stronger CAR CAR improved from 16.8% in 2020 to 21.4% in 2024, ensuring resilience and growth capacity. Investment in Technology Accelera

  6. Slide 6: Key strategic initiatives & guidance 2025

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Management Highlight Highlight highlight Initiatives Key strategic initiatives & guidance 2025 Key strategic initiatives Core element : Branch transformation 1 2 3 4 5 Bolstering Asset quality Balanced People Continued IT 1 CASA r

  7. Slide 7: From macro perspective, CoF remains key challenge in 2025

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Management Highlight Highlight highlight Initiatives From macro perspective, CoF remains key challenge in 2025 1. USD-IDR fluctuates 2. M2 growth slows down 16,375 16,102 15,568 14.1 15,715 11.5 13.3 15,397 15,140 10.7 7.8 7.2 9.1

  8. Slide 8: Transaction banking as a key to sustainable CASA

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Management Highlight Highlight highlight Initiatives Transaction banking as a key to sustainable CASA Wholesale segment transaction banking Retail segment transaction banking # of Users (in 000) # of Transactions (in Mn) # of User

  9. Slide 9: wondr apps increases BNI retail customers engagement

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Management Highlight Highlight highlight Initiatives wondr apps increases BNI retail customers engagement wondr adoption by BNI customer is wondr’s active rate doubled the previous mobile banking apps 482 gaining momentum 482 17.8

  10. Slide 10: Strong saving growth outpaced the industry

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Management Highlight Highlight highlight Initiatives Strong saving growth outpaced the industry* The Strongest-ever Saving Growth ++ IDR17 Tn Savings in 2H24 11.0% YoY ++IDR 9 Tn Savings in 1H24 258 258 241 232 232 Launched Jul 20

  11. Slide 11: Macroeconomics Highlight

    WwW c =| => vA ey) z Macroeconomics Highlight wondr BNidirect 1 Cal "500048

  12. Slide 12: Trump policies could cause significant capital outflows from EMs back to the US

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Macroeconomics Highlight Highlight highlight Initiatives Trump policies could cause significant capital outflows from EMs back to the US Donald Trump’s tax and tariff plan Market now only expects 25 bps of FFR cut in 2025 from the

  13. Slide 13: Room for BI to cut its policy rate in 2025 will be limited

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Macroeconomics Highlight Highlight highlight Initiatives Therefore, the room for BI to cut its policy rate in 2025 will be limited Rupiah depreciated by 4% in 2024 amid global uncertainty and Foreign investors recorded –USD 4.1bn

  14. Slide 14: Indonesia's latest macro data showed a moderate economic environment

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Macroeconomics Highlight Highlight highlight Initiatives Indonesia’s latest macro data showed a moderate economic environment Private consumption has shown uneven or K-shaped recovery trend, GDP growth is projected to remain stabl

  15. Slide 15: Indonesia's GDP growth is projected to remain at 5% in 2025

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Macroeconomics Highlight Highlight highlight Initiatives Indonesia’s GDP growth is projected to remain at 5% in 2025 on the back of higher fiscal spending, improving private consumption, and solid private investment Economic growt

  16. Slide 16: Domestic economy supported by the new government's pro-welfare policies

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Macroeconomics Highlight Highlight highlight Initiatives Domestic economy will be supported by the new government’s pro-welfare policies The new government prioritized pro-consumption policies in the next dive years The new govern

  17. Slide 17: Financial Highlights

    Financial Highlights N\A a

  18. Slide 18: Encouraging quarterly trend on key P&L lines

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Financial Performance Highlight highlight Initiatives Encouraging quarterly trend on key P&L lines Highlighted Results (IDR Bn) FY23 FY24 YoY (%) 4Q23 1Q24 2Q24 3Q24 4Q24 QoQ (%) Total Asset 1,086,664 1,129,806 4,0 1,086,664 1,066

  19. Slide 19: Key ratios

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Financial Performance Highlight highlight Initiatives Key ratios Highlighted Results (%) FY23 FY24 YoY (%) 4Q23 1Q24 2Q24 3Q24 4Q24 QoQ (%) CASA Ratio (Consolidated) 71.2 69.9 -1.3 71.2 69.7 70.7 70.3 69.9 -0.4 CoF (Third Party Fu

  20. Slide 20: B/S optimization capitalizing on higher RRR incentive

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Financial Performance Highlight highlight Initiatives B/S optimization capitalizing on higher RRR incentive Growth - % Consolidated Balance Sheet (IDR Bn) Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 QoQ YoY Total Assets 1,086,664 1,066,715

  21. Slide 21: Consistent improvement in NII & PPOP every quarter during 2024

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Financial Performance Highlight highlight Initiatives Consistent improvement in NII & PPOP every quarter during 2024 Consolidated Profit & Loss (IDR Bn) FY23 FY24 YoY (%) 4Q23 1Q24 2Q24 3Q24 4Q24 QoQ (%) Interest Income 61,472 66,

  22. Slide 22: Healthy growth from lower risk segments

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Financial Performance Highlight highlight Initiatives Healthy growth from lower risk segments (IDR Tn) Growth - % Segment Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Loan Yield by Segment (%) – Bank Only QoQ YoY Corporate 374.2 374.3 402.5

  23. Slide 23: Rp148.2 trillion loan disbursed in 4Q24

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Financial Performance Highlight highlight Initiatives Rp148,2 trillion loan disbursed in 4Q24, driven by top tier clients QoQ Loan Movement (IDR Tn) – Bank Only Top 3 Industries Contributing to QoQ Loan Growth in Dec-24 104.0 4.5

  24. Slide 24: Strong Savings growth allowed us to rely less on expensive funding

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Financial Performance Highlight highlight Initiatives Strong Savings growth allowed us to rely less on expensive funding Third Party Funds (IDR Tn) Third Party Funds Composition (IDR Tn) Growth - % Segment Dec-23 Mar-24 Jun-24 Sep

  25. Slide 25: LCR and NSFR well above regulatory requirement

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-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

  26. Slide 26: Fee income breakdown

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-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 FY23 FY24 YoY % 1Q24 2Q24

  27. Slide 27: Variable remuneration & digitalization drove opex in 2024

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Financial Performance Highlight highlight Initiatives Variable remuneration & digitalization drove opex in 2024 OPEX Composition (IDR Bn) Cost to Income and Cost to Asset ratio Operating Expenses FY23 FY24 YoY - % 1Q24 2Q24 3Q24 4

  28. Slide 28: Asset Quality

    SumM x “ INDONESIA Asset Quality ee ate —S>- 3 ©6©C

  29. Slide 29: Loan at Risk remains low

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Asset Quality Highlight highlight Initiatives Loan at Risk remains low (bank only) Loan at Risk (IDR Tn) Current Restructured Loan (IDR Tn) 102.8 102.4 103.8 95.8 89.0 91.4 88.2 85.4 78.6 62.2 57.3 59.9 50.6 40.5 39.7 38.9 36.4 34

  30. Slide 30: LAR by segment, write off & recovery

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-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 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Segment Jun

  31. Slide 31: Vintage analysis has shown improved loan underwriting

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Asset Quality Highlight highlight Initiatives Vintage analysis has shown improved loan underwriting 74% of the loans written off in FY24 76% of FY24 NPL formation came from client origination before 2021 came from client originati

  32. Slide 32: Sufficient provisioning in line with our risk appetite

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Asset Quality Highlight highlight Initiatives Sufficient provisioning in line with our risk appetite (bank only) Provisioning for Loan (IDR Tn) CoC by Segment Segment 4Q-23 1Q-24 2Q-24 3Q-24 4Q-24 FY 23 FY 24 18.7 8.0 Corporate 0.

  33. Slide 33: LAR, NPL & Provision Coverage trend

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Asset Quality Highlight highlight 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% 12.3% 11.8% 2.2% 2.1% 2.0% 2.0% 2.0% 9.1% 10.3% 319.0% 298.

  34. Slide 34: Digital Initiatives

    SuMN ex NSBNI INDONESIA ee ate —S>- 20h

  35. Slide 35: We're triumphing on every customer touch points

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Digital Initiatives Highlight highlight Initiatives We’re triumphing on every customer touch points New Integrated Corporate Portal for Wholesale Solution BNIdirect Mobile Banking Instead of focusing on a particular Trx Volume Trx

  36. Slide 36: wondr by BNI and BNI Mobile Banking remain preferred digital channel

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Digital Initiatives Highlight highlight Initiatives wondr by BNI and BNI Mobile Banking as mobile banking channel remains the customer's preferred digital channel for everyday transactions Mobile Apps Transaction Value Registered

  37. Slide 37: Get ready for more user-inspired features in 2025

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Digital Initiatives Highlight highlight Initiatives 2024 was just the beginning— Get ready for more exciting, user-inspired features in 2025. 2024 2025 Wealth Builder wondrful Lifestyle Live to the fullest and enjoy travelling, co

  38. Slide 38: Branchless Banking

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Digital Initiatives Highlight highlight Initiatives Branchless Banking Empowering Agents With > 16.3K Agents Are Located in Frontier, Solid Contribution to Financial Inclusion Powerful Mobile Agent App Remote and Disadvantaged Are

  39. Slide 39: Harnessing the power of open banking

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Digital Initiatives Highlight highlight Initiatives Harnessing the power of open banking BNI Open API digi tal ser vices. bni .co. id 2023 Best Banking API Solution BNI API 280 services (approved by in Indonesia Utilized by Indone

  40. Slide 40: Solid Digital Solutions for Business Banking Clients

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Digital Initiatives Highlight highlight Initiatives Solid Digital Solutions for Business Banking Clients Ample Room for Growth # of Users (in 000) 14.6% 75% • Strong penetration rate in Corporate clients: YoY of total transaction

  41. Slide 41: Business & Consumer Banking

    WwW c =| = vA Ww Z — Business & Consumer Banking wondr BNidirect 1 Cal "500048

  42. Slide 42: High quality growth on business banking

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Business & Consumer Banking Highlight highlight Initiatives High quality growth on business banking Growth (%) NPL (%) Business Banking (IDR Tn) Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 QoQ YoY Comp (%) Dec-23 Mar-24 Jun-24 Sep-24 Dec-2

  43. Slide 43: Consumer Business

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Business & Consumer Banking Highlight highlight Initiatives Consumer Business Growth NPL (%) Product (IDR Tn) Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Comp (%) NPL Movement - % YoY Dec-23 Dec-24 Mortgage 58.5 60.1 62.2 63.8 66.5 13.8% 4

  44. Slide 44: ESG

    3BUMNex..

  45. Slide 45: BNI Strong Commitment to Sustainability

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-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 Practices to UN SDGs • Reinforce

  46. Slide 46: BNI ESG Framework and climate action commitment

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-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 cl

  47. Slide 47: Use of proceeds of 2023 Green Bond issuances

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 ESG Highlight highlight Initiatives Use of proceeds of 2023 Green Bond issuances Green Bond Framework Use of Proceed Environmental & Social Impacts Proceeds will be used exclusively to Categories Environmental Impact Alignment wit

  48. Slide 48: Promoting Sustainability Linked Loan on Top of Sustainable Portfolio

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 ESG Highlight highlight Initiatives Promoting Sustainability Linked Loan (SLL) on Top of Sustainable Portfolio Sustainable portfolio IDR 190.5 Tn or 25% of total loan (bank only) Sustainability-Linked Loans (SLL) are gaining more

  49. Slide 49: Sector Guides of Responsible Financing

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-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 min

  50. Slide 50: Best-in-class governance becomes corporate priority

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 ESG Highlight highlight 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 init

  51. Slide 51: Embodying Sustainability Culture

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 ESG Highlight highlight Initiatives Embodying Sustainability Culture Employee Diversity Products/Services with Environmental Impact 2,715 units of ATM BNI UMKM Ramah Women Men Lingkungan (BUMI) Gender for Disabilities 52% 48% BNI

  52. Slide 52: IT & Digital Risk Management

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 ESG Highlight highlight Initiatives 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

  53. Slide 53: External Recognition of Our Best-in-Class ESG Practices

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 ESG Highlight highlight Initiatives External Recognition of Our Best-in-Class ESG Practices Joint Consumer MSCI ESG Rating Sustainalytics Protection CNBC GCG Awards 2024 Movement BI 2024 MSCI ESG Risk Rating Ranking INDUSTRY ESG R

  54. Slide 54: About BNI

    SumM x “ INDONESIA About BNI ee ate —S>- 3 ©6©C

  55. Slide 55: Board of Commissioner

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 About BNI Highlight highlight Initiatives Board of Commissioner PRADJOTO PAHALA NUGRAHA MANSURY PRESIDENT COMMISSIONER/INDEPENDENT COMMISSIONER VICE PRESIDENT COMMISSIONER ▪ Vice President Commissioner, Bank Negara ▪ Vice Minister

  56. Slide 56: Board of Director

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 About BNI Highlight highlight Initiatives Board of Director ROKYE TUMILAAR PUTRAMA WAHJU SETYAWAN President Director (CEO) Deputy President Director ▪ President Director, Bank Mandiri (2019-2020) ▪ Retail Banking Director, Bank Ne

  57. Slide 57: Network and Distribution

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 About BNI Highlight highlight Initiatives Network and Distribution Commercial Retail Productive Consumer Loan Branchless Outlets ATM Business Center Business Center Processing Employees Banking (KC, KCP, KK*) (CMC) (RCC) Center (L

  58. Slide 58: E-Banking (Bank Only)

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 About BNI Highlight highlight 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 E Channel Branc

  59. Slide 59: A one-stop shop for lifetime finance and business needs

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 About BNI Highlight highlight Initiatives 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% E

  60. Slide 60: Subsidiaries Contribution to BNI Group

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 About BNI Highlight highlight Initiatives Subsidaries Contribution to BNI Group Group Structure Total Asset (IDR Tn) Net Profit (IDR Bn) 568.7 53.3 MULTIFINANCE SECURITIES LIFE INSURANCE REMITTANCE BANK VENTURE CAPITAL 46.4 433.7

  61. Slide 61: Subsidiaries Highlighted Performances

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 About BNI Highlight highlight Initiatives Subsidiaries Highlighted Performances BNI Securities BNI Life Insurance BNI Finance Consolidated 462.2 85.9 409.9 393.8 70.9 1.7 1.5 333.8 4.5 2.8 297.9 341.4 38.9 14.3 26,660 11.2 10.8 -1

  62. Slide 62: Capital Ratios are Well Above Minimum Requirement

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 About BNI Highlight highlight Initiatives Capital Ratios are Well Above Minimum Requirement (Bank Only) 21.95% 21.83% 21.40% 20.52% 20.67% 1.49% 1.71% 1.44% 1.63% 1.58% 1.43% 1.34% 1.36% 1.43% 1.43% Regulatory Requirement 18.81% 1

  63. Slide 63: BASEL 3 Capital Requirement and BNI Capital Realization

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 About BNI Highlight highlight Initiatives BASEL 3 Capital Requirement and BNI Capital Realization 2022 2023 2024 BBNI Capital Realization 2022 2023 Dec-24 Common Equity Tier I Capital (%) Minimum Requirement 10.3 10.3 10.3 a Add O

  64. Slide 64: Breakdown Yield Earning Asset & Interest Bearing Liabilities

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 About BNI Highlight highlight Initiatives Breakdown Yield Earning Asset & Interest Bearing Liabilities (bank only) 2023 2024 Growth YoY Breakdown Earning Asset Amount (IDR Tn) Yield Amount (IDR Tn) Yield Amount Yield Loan 687.9 7.

  65. Slide 65: BNI Shares & Rating

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 About BNI Highlight highlight Initiatives BNI Shares & Rating Historical Share Price Performance Versus JCI – YoY Trend Market Cap Movement & PBV Long Term Foreign Currency BBB- 37% 200 Long Term Local Currency BBB-/Stable 172 162

  66. Slide 66: 5 Years Financial Data

    UNTUK INDONESIA ia w Z — 5 Years Financial Data

  67. Slide 67: 5 Years Financial Data (1)

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 5 Years Financial Data Highlight highlight Initiatives 5 Years Financial Data (1) Consolidated Balance Sheet (IDR Bn) 2020 2021 2022 2023 2024 Total Assets 891,337 964,838 1,029,837 1,086,664 1,129,806 Placement with other banks &

  68. Slide 68: 5 Years Financial Data (2)

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 5 Years Financial Data Highlight highlight Initiatives 5 Years Financial Data (2) Financial Ratios (%) 2020 2021 2022 2023 2024 LOAN Growth [Consolidated] 5.3 5.3 10.9 7.6 11.6 CASA Ratio [Consolidated] 68.5 69.4 72.4 71.2 69.9 CA

  69. Slide 69: Equity Research Contact Details

    01 Management 02 Financial 03 04 Digital 05 Asset Quality ESG FY-2024 Equity Research Contact Details Highlight highlight Initiatives Equity Research Contact Details NO BROKERAGE ANALYST EMAIL 1 Bahana Securities Yusuf Ade Winoto [email protected] 2 BCA Securities Andre Benas andre.benas@bcasek

  70. Slide 70: Investor Relations contact and disclaimer

    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 been prepared by PT. Bank Negara Indonesia (Persero) Tbk (the “Company”) for info

  71. Slide 71: Thank You

    Thank You

PT Bank Negara Indonesia (Persero) — FY2024 Earnings Presentation on 6ix