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Bank Negara Indonesia (BNI) Corporate Presentation 3Q2025

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ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 1 Corporate Presentation 3Q2025 Jakarta, 24 October 2025 PT Bank Negara Indonesia (Persero), Tbk.
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 2 Table of Contents ◎ Management Highlights ◎ Macroeconomic Highlights ◎ Financial Highlights Highlighted Results Balance Sheet Highlight Profit or Loss Loan Composition Loan Disbursement Third Party Fund Liquidity (LCR, NSFR & LDR Ratios) Fee Based Income (FBI) Operating Expense (OPEX) ◎ Asset Quality Loan at Risk LAR by Segment, Write Off & Recovery NPL Formation & Write off Vintage Sufficient Provisioning in line with risk appetite LAR, NPL & Provision Coverage trend ◎ Digital Initiatives 03 10 15 26 32 16 16 16 20 21 22 23 24 25 27 28 29 30 31 ◎ Business & Consumer Banking 39 ◎ ESG 42 ◎ About BNI 53 ◎ 5 Years Financial Data 65 2 BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 3 Management Highlights
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 4 Building a stronger, more balanced BNI MANAGEMENT HIGHLIGHT CASA growth acceleration Strong fee growth and cost discipline 4.0% 14.0% Sep-24 Sep-25 Refining loan growth mix for a more balanced portfolio Our strength lies on capital, liquidity, and asset quality Current Account growth YoY 7.4% 12.6% Sep-24 Sep-25 Savings Deposit growth YoY 16.8% 4.0% KBMI 4 BNI OPEX growth YoY Fee Based Income (IDR Tn) *KBMI 4 excl. BNI as of 8M25 * 86.9% Sep-25 11.8% 10.4% Sep-24 Sep-25 LAR (%) LDR (%) -140bps 19.8% Sep-25 Tier-1 CAR (%) Loan Growth by Segment* 11.8 Tn 13.1 Tn 9M24 9M25 11.5% 1.5% -3.5% 10.6% 11.1% 6.3% 14.3% 13.9% 12.4% 9.6% Middle SME non-KUR Corporate Consumer KUR 10.5% YoY (Sep-25) 8.2% CAGR (2019 – 2024) 2019 – 2024 CAGR (%) Sep-25 YoY (%) Consolidated -24.1%
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 5 Sustainable growth in Medium & SME: Our strategy for quality expansion MANAGEMENT HIGHLIGHT Backed by prudent expansion strategies 1 2 4 5 3 Robust credit scoring tools, fully utilized since 2024 for SME. Tactical Account Planning (TAP) to optimize customer profitability both from lending and non-lending business. Synergy with Corporate and Institutional Banking to capture value chain opportunity. Empowering capability-enhanced outlets as key point of sales. Competitive service level and lending policy: ➢ Loan processing accelerated by 2 weeks, powered by enhanced lending tools. ➢ Fine-tuning Risk Acceptance Criteria (sectoral lending policy) for 18 sectors. Stronger net expansion with smaller write-off Medium Segment Loan Movement 2019 – September 2025 (IDR Tn) SME Non-KUR Segment 102.2 91.9 91.9 109.9 119.7 119.7 102.2 8.6 18.9 18.0 109.9 13.1 3.3 Dec-19 Re-Segmentation Cumulative Write-Off 5Y Cumulative Net Expansion Pre Write-Off Dec-24 YTD Sep-25 Net Expansion Pre Write-Off YTD Sep-25 Write-Off Sep-25 SME Non-KUR Segment Loan Movement 2019 – September 2025 (IDR Tn) 46.6 37.2 37.2 42.6 46.3 46.3 51.0 4.4 9.4 5.4 42.6 5.8 2.1 Dec-19 Re-Segmentation Cumulative Write-Off 5Y Cumulative Net Expansion Pre Write-Off Dec-24 YTD Sep-25 Net Expansion Pre Write-Off YTD Sep-25 Write-Off Sep-25
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 6 From digital adoption to financial results MANAGEMENT HIGHLIGHT Sustained growth across digital channels Expands its digital foothold with rising user adoption 2.8 10.5 Sep-24 Sep-25 # of Users (in Mn) 3.8x YoY Empowering businesses through seamless digital solutions 174 213 Sep-24 Sep-25 # of Users (in 000) 22.7% YoY Testament of stronger user engagement Resulted in robust low-cost funding and fee income growth +20% YoY # of Regular Savings accounts +19% YtD # of Payroll account +15% YoY # of transactions in BNIdirect CASA +13.3% YoY > Current Account > Savings Account e-Channel Account Maintenance Retail Bond & Mutual Fund Collection, API & Cash pooling (+10% YoY) (+9% YoY) (+49% YoY) (+18% YoY) Fee-based income from digital channels was supported by… IDR 3.6 Tn in 9M25 (+11% YoY) Eq. ~30% of Total Fee-based Income 1.8 Tn 1.2 Tn 0.1 Tn 0.5 Tn +14.0% YoY +12.6% YoY
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 7 Positive shift in the liquidity environment Fiscal spending accelerated Supportive monetary policy Source: BI ** CASA-first strategy 7.30 6.43 6.19 4.82 SRBI Ownership (IDR Tn) SRBI 1Y Rate EoM (%) 924 891 783 709 Dec-24 Mar-25 Jun-25 Sep-25 CoF showed early signs of easing M2 Growth (% YoY) Benchmark Rate (%) Fiscal Surplus/Deficit (IDR Tn) YTD Net Expansion in CASA is higher than in Loans Percentage of GDP(%) CASA Loan +50.1 Tn (+9% YtD) +36.3 Tn (+5% YtD) MANAGEMENT HIGHLIGHT 67.6 (243.4) (371.5) (662.0) 9M23 9M24 9M25 Gov. Outlook 2025 0.3% -1.1% -1.6% -2.8% Source: MoF MtD Cost of Third Party Funds (%) 2.9% 3.0% 3.1% 2.8% Jun-25 Jul-25 Aug-25 Sep-25 4.8 6.1 6.4 8.0 6.00 5.75 5.50 4.75 Dec-24 Mar-25 Jun-25 Sep-25
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 8 FY25 Original Aspiration NIM Guidance Revision Loan Growth (% YoY) Net Interest Margin Credit Cost 8.0 - 10.0% 10.5% ≥ 3.8% 3.8% ± 1.0% 1.0% bank only bank only 9M25 Results FY25 New Aspiration 8.0 - 10.0% (no changes) ± 3.7% (new guidance) ± 1.0% (no changes) MANAGEMENT HIGHLIGHT
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 9 Macroeconomic Highlights
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 10 Rupiah performance has been below peers YTD amid economic volatility Fortunately, Indonesia’s large trade surplus prevented further currency weakening Source: CEIC, BNI OCE Source: CEIC, BNI OCE Source: Bloomberg, BNI OCE The Rupiah depreciated by -3.5% YTD, whereas peers strengthened by 5-6% -3.22 1.94 -7.82 -9.10 -10.00 -8.00 -6.00 -4.00 -2.00 0.00 2.00 4.00 6.00 8.00 10.00 Foreign Flows (In USD) As of 30-Sep-25 Equity Government Bonds SRBI Total -9.9% -3.7% -3.5% -0.6% 0.0% 2.4% 3.2% 3.9% 4.6% 5.0% 5.4% 5.5% 5.9% 5.9% 6.5% 6.9% 8.3% 11.8% -15% -10% -5% 0% 5% 10% 15% DXY* India Indonesia Philippines Russia China Canada ASEAN Avg South Korea Thailand EM Average - Ex Arg & Tur Singapore Japan Malaysia Average Ex Arg & Tur UK South Africa EU Exchange Rate Performance Sep-2025 (%) Data as of : 30 Sep2025 -5 -3 -1 1 3 5 7 9 11 -50% -30% -10% 10% 30% 50% 70% Aug-18 Nov-18 Feb-19 May-19 Aug-19 Nov-19 Feb-20 May-20 Aug-20 Nov-20 Feb-21 May-21 Aug-21 Nov-21 Feb-22 May-22 Aug-22 Nov-22 Feb-23 May-23 Aug-23 Nov-23 Feb-24 May-24 Aug-24 Nov-24 Feb-25 May-25 Aug-25 Trade Data Trade balance (US$ bn) - RHS Exports (%YoY) Imports (%YoY) The weakening rupiah was partly driven by foreign portfolio outflows of –USD 9.1bn in 9M25
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 11 Consumer Confidence Index (CCI) decreased further, where the confidence of the aspiring middle-income class weakened The weakening of core inflation (excluding gold) indicates a moderate purchasing power Car sales contracted, whereas motorcycle sales slightly picked up, which might have reflected downtrading activities Furthermore, imports contraction suggested a modest domestic demand Source: CEIC, BNI OCE Source: CEIC, BNI OCE Source: CEIC, BNI OCE Source: CEIC, BNI OCE 60 70 80 90 100 110 120 130 140 150 Mar - 19 Jun - 19 Sep - 19 Dec - 19 Mar - 20 Jun - 20 Sep - 20 Dec - 20 Mar - 21 Jun - 21 Sep - 21 Dec - 21 Mar - 22 Jun - 22 Sep - 22 Dec - 22 Mar - 23 Jun - 23 Sep - 23 Dec - 23 Mar - 24 Jun - 24 Sep - 24 Dec - 24 Mar - 25 Jun - 25 Sep - 25 CCI by Spending Level IDR 1 - 2 Million > IDR 5 Million IDR 2,1-5 Million Overall CCI <100 Pessimistic Decoupling CCI post pandemic -19.03 0.72 -30 -20 -10 0 10 20 30 Jan-24 Feb-24 Mar-24 Apr-24 May-24 Jun-24 Jul-24 Aug-24 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Car and Motorcycle Sales (% YoY) Car Sales Motorcycle Sales -60% -40% -20% 0% 20% 40% 60% 80% 100% Aug-18 Nov-18 Feb-19 May-19 Aug-19 Nov-19 Feb-20 May-20 Aug-20 Nov-20 Feb-21 May-21 Aug-21 Nov-21 Feb-22 May-22 Aug-22 Nov-22 Feb-23 May-23 Aug-23 Nov-23 Feb-24 May-24 Aug-24 Nov-24 Feb-25 May-25 Aug-25 Import based on Classification (YoY %) Total Imports Consumer goods Raw materials Capital goods 2.65 2.19 1.37 1.00 1.10 1.20 1.30 1.40 1.50 1.60 1.70 1.80 1.90 -0.50 0.00 0.50 1.00 1.50 2.00 2.50 3.00 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Headline Inflation and Non-Gold Core Inflation (% YoY) Headline Core Core Non-Gold - RHS On the domestic side, the frequent indicators have yet to develop significantly in 3Q25
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 12 The government's focus on MBG and food security is expected to support improvements in consumption The government set a budget of Rp335tn for the MBG next year Excluding the MBG, government spending is expected to grow by only 4.8% in 2026 Food security budget is increased by 6% in the 2026 State Budget as part of the government's initiative to attain food self-sufficiency The expansion of pro-consumption programs will help accelerate fiscal spending in the first half of 2026 Source: MoF, BNI OCE Source: MoF, BNI OCE Source: MoF, BNI OCE MBG Budget 2026 Main Budget: Rp268tn Reserve: Rp67tn Total Budget: Rp335tn Target Recipients: 82.9 million people => Students, toddlers, and pregnant women 110 100 85 81 74.5 86 89 115 160 155 164 38.6% -2.7% 5.9% -20% -10% 0% 10% 20% 30% 40% 50% 0 20 40 60 80 100 120 140 160 180 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Govt Outlook 2026 Budget Change (% YoY) Rp tn Food Security Spending Food Security Spending % Change - RHS 3,410.5 3,574.7 117 268 3,527.5 3,842.7 3,000 3,200 3,400 3,600 3,800 4,000 2025 Government Outlook 2026 APBN Fiscal Expenditure (Rp tn) Expenditure Ex. MBG MBG +4.8% +129.1% +8.9% Source: MoF, BNI OCE 43 43.1 46.5 44.5 42.7 44.8 41.2 42 40.2 40.2 41.6 Average: 42.7 36 38 40 42 44 46 48 1H14 1H15 1H16 1H17 1H18 1H19 1H20 1H21 1H22 1H23 1H24 Fiscal Spending Realization (% of FY Figure)
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 13 BI's accommodative policy is expected to continue next year BI has lowered the BI-Rate by 125 bps to 4.75% in Jan-Sep 2025 BI also supports the economy through liquidity expansion policies We believe BI still has room to lower the BI-Rate by 25 bps this year and by 25-50 bps next year Accomodative fiscal and monetary policies would accelerate rate cut transmission Source: BI, BNI OCE Source: BI, BNI OCE Source: BI, BNI OCE Source: BI, BNI OCE Liquidity Support KLM Expansion : Rp91tn PLM Reduction : Rp70tn-90tn Purchase of Government Bonds in the secondary market: Rp160tn Total support : Rp221tn-241tn 5.00 3.75 3.50 5.50 6.00 6.00 4.50 4.00-4.25 3.0 3.5 4.0 4.5 5.0 5.5 6.0 6.5 2019 2020 2021 2022 2023 2024 2025F 2026F BI-Rate (%) 5.00 4.75 4.25 3.75 5.75 5.50 2 3 4 5 6 7 8 Jan-22 Mar-22 May-22 Jul-22 Sep-22 Nov-22 Jan-23 Mar-23 May-23 Jul-23 Sep-23 Nov-23 Jan-24 Mar-24 May-24 Jul-24 Sep-24 Nov-24 Jan-25 Mar-25 May-25 Jul-25 Sep-25 BI-Rate, Deposit Facility Rate & Lending Facility Rate (%) BI-Rate Deposit Facility Lending Facility -221 -159 -100 -66 -16 -7 -250 -200 -150 -100 -50 0 SRBI 1Y INDONIA BI-Rate Govt Bond 10Y Time Deposit 1M Rate* Lending Rate* Interest Rate Change YTD (bps) - as of 15-Sep-2025 *as of Aug-2025
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 14 BI's accommodative policy has been positive for the liquidity situation INDONIA is now 73 bps below BI-Rate, suggesting ample liquidity The ample liquidity situation is also reflected by the lower repo demand to BI Source: Bloomberg, BNI OCE Source: BI, BNI OCE Source: BI, Bloomberg, BNI OCE Source: MoF, BNI OCE 7.30 4.82 6.00 4.75 4.5 5 5.5 6 6.5 7 7.5 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 BI-Rate vs SRBI Rate (%) SRBI 1 Year BI-Rate 0.73 126.4 0 20 40 60 80 100 120 140 -0.6 -0.4 -0.2 0.0 0.2 0.4 0.6 0.8 1.0 Aug-24 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 BI Rate–IndONIA Spread vs. BI’s Available Liquidity Diff BI Rate and INDONIA BI's available liquidity Normal BI Rate and INDONIA Spread 923 709 - 200 400 600 800 1,000 1,200 Jan III 2024 Mar IV 2024 Jun II 2024 Aug III 2024 Oct IV 2024 Jan I 2025 Mar II 2025 May IV 2025 July IV 2025 Sep IV 2025 SRBI Outstanding (Rp tn) SRBI 218 11 0 50 100 150 200 250 Sept III… Jan III 2020 Mei III 2020 Sept III… Jan III 2021 Mei III 2021 Sept III… Jan III 2022 May IV… Sep IV 2022 Jan IV 2023 May IV… Sep IV 2023 Jan IV 2024 Jun I 2024 Oct I 2024 Feb I 2025 June I 2025 Sep IV… BI OMO Expansionary/Repo (Rp tn) Repo Average Repo: Rp28tn
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 15 Financial Highlights
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 16 9M25 Strategy: Solidifying liquidity and asset quality for growth in coming quarters FINANCIAL HIGHLIGHT Highlighted Results (IDR Bn) 9M24 9M25 YoY (%) 3Q24 4Q24 1Q25 2Q25 3Q25 QoQ (%) B/S [Consolidated] Total Asset 1,068,080 1,269,486 18.9 1,068,080 1,129,806 1,146,583 1,201,653 1,269,486 5.6 Loan 735,018 812,195 10.5 735,018 775,872 765,469 778,681 812,195 4.3 Third Party Funds 769,739 934,326 21.4 769,739 805,511 819,580 899,865 934,326 3.8 CASA 541,194 613,383 13.3 541,194 563,278 577,807 647,554 613,383 -5.3 Current Account 302,260 344,455 14.0 302,260 305,734 319,983 381,639 344,455 -9.7 Savings Account 238,934 268,928 12.6 238,934 257,544 257,824 265,915 268,928 1.1 Time Deposit 228,545 320,943 40.4 228,545 242,233 241,774 252,311 320,943 27.2 P&L [Consolidated] Net Interest Income 29,439 29,253 -0.6 10,367 11,042 9,834 9,681 9,737 0.6 Interest Income 48,836 51,167 4.8 16,663 17,747 16,713 16,901 17,553 3.9 Interest Expense (19,398) (21,194) 13.0 (6,296) (6,705) (6,879) (7,220) (7,815) 8.3 Non Interest Income 16,837 17,252 2.5 5,913 7,198 5,217 5,390 6,645 23.3 OPEX (20,989) (21,832) 4.0 (7,434) (8,700) (6,740) (7,225) (7,867) 8.9 PPOP 25,287 24,673 -2.4 8,845 9,540 8,312 7,846 8,515 8.5 Provisioning Charges (5,389) (6,121) 13.6 (1,878) (2,822) (1,760) (2,027) (2,333) 15.1 Net Profit 16,308 15,115 -7.3 5,617 5,155 5,380 4,714 5,021 6.5
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 17 Strong foundation: 86.9% LDR | 21.1% CAR | solid LCR & NSFR FINANCIAL HIGHLIGHT Highlighted Results (%) 9M24 9M25 YoY (%) 3Q24 4Q24 1Q25 2Q25 3Q25 QoQ (%) Profitability & Efficiency [Bank Only] CASA Ratio (Consolidated) 70.3 65.6 -4.7 70.3 69.9 70.5 72.0 65.6 -6.4 CoF (Third Party Funds) 2.7 2.8 0.13 2.60 2.65 2.75 2.81 2.93 0.12 NIM 4.2 3.8 -0.4 4.4 4.5 3.9 3.7 3.6 -0.1 ROAE* 14.7 12.7 -2.0 14.9 12.9 13.3 12.3 12.5 0.2 Pre-tax ROAA 2.5 2.2 -0.3 2.7 2.4 2.4 2.1 2.1 0.0 CIR 43.8 46.1 2.3 44.0 46.6 43.8 47.1 47.3 0.2 Asset Quality [Bank Only] LAR 11.8 10.4 -1.4 11.8 10.3 10.9 11.0 10.4 -0.6 NPL (Gross) 2.0 2.0 0.0 2.0 2.0 2.0 1.9 2.0 0.1 Credit Cost 1.0 1.0 0.0 1.0 1.5 0.9 1.0 1.1 0.1 LAR Coverage Ratio 47.4 41.9 -5.5 47.4 48.8 47.3 43.1 41.9 -1.2 NPL Coverage Ratio 284.2 222.7 -61.5 284.2 255.8 263.1 243.4 222.7 -20.7 Liquidity [Bank Only] LDR 95.3 86.9 -8.4 95.3 96.1 93.1 86.2 86.9 0.7 LCR 160.4 167.4 6.9 160.4 155.9 150.9 144.2 167.4 23.2 NSFR 136.6 142.1 5.5 136.6 132.5 137.8 143.0 142.1 -0.9 Capital [Bank Only] Tier-1 CAR 20.3 19.8 -0.5 20.3 20.0 20.9 19.7 19.8 0.1 Total CAR 21.8 21.1 -0.7 21.8 21.4 22.3 21.1 21.1 0.0 *ROAE with average total equity as denominator ; 14.1% in 9M25 if the denominator is Tier 1 Capital as reported to OJK
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 18 A Balance Sheet positioned for growth and lower costs FINANCIAL HIGHLIGHT Consolidated Balance Sheet (IDR Bn) Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Growth - % QoQ YoY Total Assets 1,068,080 1,129,806 1,146,583 1,201,653 1,269,486 5.6 18.9 Placement with other banks & BI 15,076 17,076 26,516 69,744 33,018 -52.7 119.0 Current Account with Bank Indonesia 43,101 51,669 43,169 35,942 92,683 157.9 115.0 Marketable Securities [market value] 42,246 48,534 51,968 52,412 58,959 12.5 39.6 Government Bonds [market value] 130,287 132,072 134,026 135,127 142,235 5.3 9.2 Loans (gross) 735,018 775,872 765,469 778,681 812,195 4.3 10.5 Third Party Funds 769,739 805,511 819,580 899,865 934,326 3.8 21.4 CASA 541,194 563,278 577,807 647,554 613,383 -5.3 13.3 • Current Account 302,260 305,734 319,983 381,639 344,455 -9.7 14.0 • Saving Account 238,934 257,544 257,824 265,915 268,928 1.1 12.6 Time Deposits 228,545 242,233 241,774 252,311 320,943 27.2 40.4 Deposits from other Banks 13,877 18,548 14,007 11,456 14,741 28.7 6.2 Marketable Securities Issued 29,144 30,674 31,435 26,964 32,569 20.8 11.8 Borrowings 34,995 42,931 38,846 39,436 42,088 6.7 20.3 Shareholders’ Equity 162,170 167,187 173,014 165,188 171,610 3.9 5.8
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 19 Strong revenue momentum in Q3 and prudent financial management FINANCIAL HIGHLIGHT *Starting in 2025, BNI Life implemented IFRS 17 from previously IFRS 4 Consolidated Profit & Loss (IDR Bn) 9M24 9M25 YoY (%) 3Q24 4Q24 1Q25 2Q25 3Q25 QoQ (%) Interest Income 48,836 51,167 4.8 16,663 17,747 16,713 16,901 17,553 3.9 Interest Expense (19,398) (21,914) 13.0 (6,296) (6,705) (6,879) (7,220) (7,815) 8.3 Net Interest Income 29,439 29,253 -0.6 10,367 11,042 9,834 9,681 9,731 0.6 Insurance & Investment Income – Net* 1,215 581 -52.2 428 509 137 206 238 15.4 Fee-based Income 11,754 13,109 11.5 4,001 4,532 4,014 4,046 5,049 24.8 Recovery 3,868 3,562 -7.9 1,483 2,157 1,067 1,137 1,358 19.5 Non Interest Income 16,837 17,252 2.5 5,913 7,198 5,217 5,390 6,645 23.3 Operating Income 46,275 46,505 0.5 16,279 18,240 15,051 15,071 16,383 8.7 Operating Expense (20,989) (21,832) 4.0 (7,434) (8,700) (6,740) (7,225) (7,867) 8.9 Pre-Provision Income (PPOP) 25,287 24,673 -2.4 8,845 9,540 8,312 7,846 8,515 8.5 Provisioning Charges (5,389) (6,121) 13.6 (1,878) (2,822) (1,760) (2,027) (2,333) 15.1 Net Income before Tax 19,866 18,439 -7.2 6,934 6,716 6,519 5,798 6,122 5.6 Net Income 16,308 15,115 -7.3 5,617 5,155 5,380 4,714 5,021 6.5
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 20 Strategic Loan growth with risk discipline FINANCIAL HIGHLIGHT (IDR Tn) Loan Composition (IDR Tn) Loan Yield by Segment (%) – Bank Only Segment 3Q24 4Q24 1Q25 2Q25 3Q25 Blended Loan 7.7 7.9 7.4 7.3 7.2 Corporate 6.9 7.0 6.5 6.5 6.4 Medium 7.7 7.5 8.2 7.9 7.6 Small 9.8 11.7 9.4 9.0 8.6 Consumer 8.8 9.1 8.4 8.2 8.4 IDR Yield 8.0 8.5 7.8 7.7 7.5 FX Yield 6.5 6.0 5.8 5.8 5.7 54.5% 55.6% 55.7% 56.0% 55.5% 14.2% 14.2% 13.6% 13.5% 14.7% 10.5% 9.8% 9.6% 9.4% 9.1% 18.6% 18.4% 18.9% 18.9% 18.5% 2.1% 2.1% 2.2% 2.2% 2.1% 200.0 300.0 400.0 500.0 600.0 700.0 800.0 900.0 0.0% 20.0% 40.0% 60.0% 80.0% 100.0% 120.0% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Subsidiaries Consumer Small Medium Corporate 9M24 9M25 7.6 7.3 6.8 6.5 7.8 7.9 9.7 9.0 8.4 8.3 7.9 7.7 6.2 5.8 778.7 735.0 775.9 765.5 812.2 Segment Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Growth - % QoQ YoY Business Banking Corporate 400.8 431.4 426.0 435.8 450.7 3.4 12.4 Corp. Private & Institutions 287.3 317.6 309.7 314.6 327.7 4.2 14.1 Corporate SOE 113.5 113.8 116.3 121.2 122.9 1.4 8.3 Medium 104.7 109.9 103.9 105.4 119.7 13.6 14.3 Enterprise 55.4 58.1 55.0 54.3 64.8 19.3 17.0 Commercial 49.3 51.8 48.9 51.1 54.9 7.5 11.3 Small 77.4 75.8 73.7 73.2 74.2 1.3 -4.1 Govt Subs Loan (KUR) 36.7 33.2 30.7 28.8 27.8 -3.6 -24.1 SME Non-KUR 40.7 42.6 43.0 44.4 46.3 4.4 13.9 Subtotal 582.9 617.1 603.6 614.5 644.6 4.9 10.6 Consumer Mortgage 63.8 66.5 67.6 68.4 69.8 2.0 9.4 Personal Loan 55.9 58.0 59.3 60.1 61.4 2.2 9.9 Credit Card 14.6 15.0 14.9 15.4 16.0 3.4 9.1 Others 2.7 3.1 3.1 3.1 3.1 -0.2 12.0 Subtotal 137.0 142.5 144.9 147.0 150.2 2.2 9.6 Subsidiaries 15.1 16.2 16.9 17.2 17.4 1.4 15.3 Total Consolidated 735.0 775.9 765.5 778.7 812.2 4.3 10.5 Working Capital 423.2 451.8 437.2 442.9 462.8 4.5 9.4 Investment Loan 170.3 177.1 178.6 184.5 194.8 5.6 14.4
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 21 Rp 182.5 trillion loan disbursed in 3Q25, driven by top tier clients YoY Loan Movement (IDR Tn) – Bank only QoQ Loan Movement (IDR Tn) – Bank Only FINANCIAL HIGHLIGHT Top 3 Industries Contributing to YoY Loan Growth in Sep-25 Top 3 Industries Contributing to QoQ Loan Growth in Sep-25 Outstanding Increase (IDR Tn) General Trading Natural Resources Infrastructure 16% 5% 5% Outstanding Increase (IDR Tn) Social Services (Govt Inst & Healthcare) 37% 20% 17% 1.8 2.7 7.2 Infrastructure 7.6 8.6 10.8 Telecommunications 763.3 796.5 3.8 Jun-25 Disbursement Install/Paid-Off Write-Off Sep-25 Corporate Medium Enterprise Commercial Small Consumer : 72.3 Tn : 78.5 Tn : 43.8 Tn : 34.7 Tn : 9.0 Tn : 22.6 Tn 182.5 145.4 721.8 796.5 574.9 483.8 16.3 Sep-24 Disbursement Install/Paid-Off Write-Off Sep-25 Corporate Medium Enterprise Commercial Small Consumer : 308.7 Tn : 153.2 Tn : 72.0 Tn : 81.1 Tn : 33.9 Tn : 79.2 Tn
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 22 MtD Cost of Third-Party Funds (%) – Bank Only Funding resilience in a competitive market dynamic FINANCIAL HIGHLIGHT Third Party Funds Composition CASA +13.3 % YoY (IDR Tn) (IDR Tn) 39.3% 38.0% 39.0% 42.4% 36.9% 31.0% 32.0% 31.5% 29.6% 28.8% 29.7% 30.1% 29.5% 28.0% 34.4% -85 -75 -65 -55 -45 -35 -25 -15 -5 5 0.0% 20.0% 40.0% 60.0% 80.0% 100.0% 120.0% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Current Account Saving Account Time Deposit 769.7 805.5 819.6 899.9 934.3 Segment Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Growth - % QoQ YoY CASA 541.2 563.3 577.8 647.6 613.4 -5.3 13.3 Current Account 302.3 305.7 320.0 381.6 344.5 -9.7 14.0 Saving Account 238.9 257.5 257.8 265.9 268.9 1.1 12.6 Time Deposit 228.5 242.2 241.8 252.3 320.9 27.2 40.4 Third Party Funds 769.7 805.5 819.6 899.9 934.3 3.8 21.4 CASA Ratio 70.3% 69.9% 70.5% 72.0% 65.6% -6.3 -4.7 Cost of Third-Party Funds (%) – Bank Only 1.38 1.33 1.40 1.52 1.80 1.77 2.09 2.37 2.82 2.48 2.44 2.53 2.62 2.57 2.74 0.58 0.55 0.56 0.61 0.61 0.58 0.56 0.63 0.67 0.72 0.76 0.80 1.00 1.06 1.13 2.47 2.35 2.35 3.32 3.41 3.97 4.20 4.65 4.86 5.13 4.81 4.82 4.87 5.10 4.95 1.46 1.38 1.40 1.75 1.87 2.07 2.25 2.54 2.79 2.72 2.60 2.65 2.75 2.81 2.93 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Current Account Saving Account Time Deposits Cost Of Third Party Fund MtD Cost of Third Party Funds (%) 2.9% 3.0% 3.1% 2.8% Jun-25 Jul-25 Aug-25 Sep-25
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 23 LCR and NSFR well above regulatory requirement (bank only) FINANCIAL HIGHLIGHT Short-Term Obligations Have Been Well Covered..... 230.2% 250.1% 215.3% 193.1% 219.0% 203.4% 204.8% 183.5% 174.1% 176.0% 160.8% 160.4% 155.9% 150.9% 144.2% 167.4% 151.8% 133.4% 126.1% 124.2% 164.1% 154.1% 155.1% 145.3% 146.3% 139.1% 137.2% 136.6% 132.5% 137.8% 143.0% 142.1% Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 LCR (Liquidity Coverage Ratio) NSFR (Net Stable Funding Ratio) 76.9% 82.0% 85.8% 88.5% 82.5% 87.7% 87.4% 89.8% 88.8% 89.5% 93.3% 95.0% 94.9% 92.6% 86.4% 85.2% 94.1% 101.6% 112.6% 103.9% 92.3% 77.5% 76.9% 90.9% 75.2% 87.0% 96.7% 96.2% 100.5% 95.1% 85.3% 94.3% 79.7% 85.2% 89.7% 91.2% 84.2% 85.4% 85.2% 90.1% 85.8% 89.0% 94.0% 95.3% 96.1% 93.1% 86.2% 86.9% Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 IDR FX Blended LDR is Also Manageable, Well Within Regulatory Framework .... As Well As for Supporting Long-Term Assets
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 24 Fee-based Income breakdown FINANCIAL HIGHLIGHT Breakdown of Non-Interest Income Key Fee Income Growth Contributors Solid growth in Trading Activities Fee supported by favorable rate environment (IDR Bn) (IDR Bn) Bank-only (IDR Bn) Bank-only Fee-based Income 9M24 9M25 YoY % 4Q24 1Q25 2Q25 3Q25 QoQ % Consumer Banking 5,238 5,815 11.0 1,931 1,845 1,837 2,133 16.1 Account Maintenance 1,615 1,771 9.6 607 534 559 678 21.4 ATM & e-Channel 1,138 1,245 9.5 411 401 405 439 8.6 Debit Card Maintenance 391 395 0.9 119 122 135 138 1.7 PPOB & Bill payment 294 283 -3.9 89 85 98 100 2.2 Remittance 208 201 -3.1 79 72 62 67 8.8 Card Business, Bancass, etc 1,592 1,920 20.6 626 631 579 711 22.8 Business Banking 6,280 6,962 10.9 2,344 2,029 2,172 2,761 27.1 Trade Finance 839 524 -37.5 270 216 149 159 6.1 Marketable securities 1,276 2,290 79.4 583 594 747 949 27.0 FX Trading, Revaluation & Derivatives 1,047 791 -24.4 214 235 241 315 30.6 Pension Fund 169 183 8.3 60 57 62 64 3.3 Syndication 655 664 1.3 350 174 128 361 181.0 Share Investment, Custody, Coop Fee, Etc 2,293 2,511 9.5 867 751 845 915 8.3 Total Fee-based Income (Bank Only) 11,517 12,778 10.9 4,275 3,874 4,009 4,895 22.1 Other Subsidiaries 237 331 39.8 256 140 37 154 317.2 Total Fee-based Income (Consolidated) 11,754 13,109 11.5 4,531 4,014 4,046 5,049 24.8 7,814 7,897 2,324 3,081 1,380 1,799 9M24 9M25 2,640 2,890 2,483 2,468 2,946 797 797 829 988 1,264 488 588 561 554 685 3Q24 4Q24 1Q25 2Q25 3Q25 Other Fee Income Trading Activities Banking Activities 3,925 4,275 3,874 11,517 12,778 4,009 4,895 1,276 2,290 9M24 9M25 Marketable Securities 1,615 1,771 9M24 9M25 Account Maintenance 1,138 1,245 9M24 9M25 ATM & e-Channel 79.4% 9.5% 9.6%
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 25 Opex Composition Variable remuneration & digitalization drove opex in 3Q25 Quality over Quantity Cost to Income and Cost to Asset ratio Headcount priority toward business & digital units Result-oriented reward scheme calibration to retain and attract top talents 27,150 27,069 Sep 24 Sep-25 NUMBER OF EMPLOYEE FINANCIAL HIGHLIGHT *Starting in 2025, BNI Life implemented IFRS 17 from previously IFRS 4 44.2% 43.3% 42.6% 42.9% 44.6% 43.8% 46.1% 2.6% 2.5% 2.5% 2.5% 2.5% 2.5% 2.4% 2020 2021 2022 2023 2024 9M24 9M25 CIR Cost to Asset Operating Expenses 9M24 9M25 YoY-% 4Q24 1Q25 2Q25 3Q25 QoQ-% Personnel Expenses 9,831 10,483 6.6 4,184 3,274 3,291 3,917 19.0 Base Salary 3,386 3,562 5.2 1,140 1,194 1,190 1,178 -1.0 Other Allowance 3,043 3,534 16.1 2,083 902 904 1,728 91.1 Post Employee Benefits 2,393 2,577 7.7 614 926 928 723 -22.0 Training 157 122 -21.9 44 34 47 42 -9.0 Subsidiaries 852 687 -19.4 303 219 223 245 9.8 Digitalization & Transactional 1,297 1,446 11.5 454 502 439 505 15.1 G&A Expenses 5,577 5,490 -1.6 2,334 1,593 1,986 1,911 -3.8 IT & Telecommunication 1,070 1,040 -2.8 405 248 472 319 -32.5 Occupancy Related 485 462 -4.7 147 142 158 162 2.3 Promotion 578 745 28.7 470 168 246 330 34.2 Transport & Travel 172 186 7.8 65 50 77 59 -23.7 Goods, Prof. Services & Others 2,836 2,658 -6.3 972 854 911 893 -2.0 Subsidiaries 434 399 -8.1 276 131 121 147 21.5 Other Expenses 3,927 4,314 9.9 1,607 1,338 1,478 1,498 1.4 Other Subsidiaries* 357 100 -72.0 121 33 31 36 18.4 Total Operating Expenses 20,989 21,832 4.0 8,700 6,740 7,225 7,867 8.9 9,831 10,483 9M24 9M25 PERSONNEL EXPENSES (IDR Bn) Bank-only (IDR Bn)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 26 Asset Quality
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 27 ASSET QUALITY Loan at Risk (IDR Tn) Current Restructured Loan (IDR Tn) Special Mention Loan (Coll. 2) by Segment (IDR Tn) Non-Performing Loan (NPL) by Segment (IDR Tn) 89.0 91.4 88.2 85.4 56.2% 55.5% 57.1% 57.4% 58.1% 57.8% 57.8% 57.2% 21.4% 20.8% 19.6% 19.8% 19.8% 19.6% 20.7% 20.8% 13.7% 14.4% 13.7% 12.9% 11.2% 10.9% 9.6% 9.0% 8.7% 9.4% 9.6% 9.9% 10.9% 11.8% 11.9% 13.0% 12.9% 13.3% 12.3% 11.8% 10.3% 10.9% 11.0% 10.4% Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Corporate Medium Small Consumer LaR 78.6 81.7 56.5% 58.7% 62.0% 61.9% 65.9% 67.2% 66.4% 67.6% 18.5% 18.9% 17.3% 17.9% 16.1% 16.1% 19.3% 18.7% 17.4% 15.4% 13.4% 13.1% 9.9% 9.0% 7.4% 6.8% 7.5% 7.0% 7.2% 7.2% 8.1% 7.7% 6.8% 6.9% 5.9% 5.8% 5.4% 5.0% 4.5% 4.5% 5.0% 4.9% Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Corporate Medium Small Consumer Coll 1R 40.5 39.7 38.9 36.4 34.4 83.8 33.6 38.3 82.9 38.7 70.0% 65.6% 63.5% 64.0% 67.9% 64.3% 59.0% 55.9% 16.0% 15.0% 16.4% 17.0% 14.8% 15.4% 19.4% 21.7% 6.5% 10.0% 10.1% 8.4% 6.9% 8.1% 7.8% 7.6% 7.6% 9.3% 10.0% 10.6% 10.4% 12.2% 13.7% 14.8% 4.9% 5.5% 4.9% 4.8% 3.8% 4.5% 4.0% 3.6% Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Corporate Medium Small Consumer SML Ratio 33.8 37.8 35.1 34.7 29.2 33.4 23.3% 18.7% 28.0% 30.0% 20.7% 21.3% 33.2% 33.9% 41.5% 41.8% 33.6% 31.2% 38.3% 37.1% 27.0% 24.2% 20.5% 23.3% 23.5% 23.4% 22.6% 21.5% 18.8% 17.2% 14.7% 16.2% 14.9% 15.4% 18.3% 20.2% 21.1% 24.6% 2.1% 2.0% 2.0% 2.0% 2.0% 2.0% 1.9% 2.0% 0.0% 20.0% 40.0% 60.0% 80.0% 100.0% 120.0% Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Corporate Medium Small Consumer NPL Ratio 14.7 13.9 14.2 14.2 15.0 14.7 30.6 14.9 28.6 15.6 Strengthening Risk Discipline: Portfolio Improvements Offset by Selective Consumer Pressures
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 28 Strong overall asset quality amidst Consumer sector weakness ASSET QUALITY Special Mention Loan by Segment (Bank Only) Loan at Risk by Segment – Bank Only Non-Performing Loan by Segment (Bank Only) Write Off & Recovery – Bank Only Segment Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Corporate 6.7% 5.6% 5.5% 4.6% 5.0% 4.1% 3.5% Medium 5.3% 5.4% 5.7% 3.9% 5.0% 5.6% 5.2% Small 4.6% 4.4% 3.8% 2.6% 3.7% 3.3% 2.9% Consumer 2.8% 2.6% 2.7% 2.1% 2.8% 2.9% 2.8% Total SML- % 5.5% 4.9% 4.8% 3.8% 4.5% 4.0% 3.6% Total SML- IDR Bn 37,774 35,075 34,740 29,235 33,446 30,644 28,649 Segment Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Corporate 13.8% 12.7% 12.2% 10.5% 11.0% 11.1% 10.5% Medium 17.8% 16.3% 16.1% 14.2% 15.4% 16.5% 14.4% Small 15.9% 15.1% 14.2% 11.6% 12.0% 11.0% 10.1% Consumer 6.7% 6.3% 6.2% 6.0% 6.7% 6.8% 7.2% Total LAR- % 13.3% 12.3% 11.8% 10.3% 10.9% 11.0% 10.4% Total LAR- IDR Bn 91,424 88,155 85,405 78,611 81,749 83,846 82,888 Segment Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Corporate 0.7% 1.0% 1.1% 0.7% 0.7% 1.1% 1.2% Medium 5.5% 4.5% 4.3% 5.2% 5.2% 3.8% 3.2% Small 3.9% 4.2% 4.3% 4.5% 4.3% 3.8% 3.6% Consumer 1.8% 1.6% 1.6% 1.9% 2.0% 2.1% 2.6% Total NPL- % 2.0% 2.0% 2.0% 2.0 2.0% 1.9% 2.0% Total NPL- IDR Bn 13.960 14,163 14,244 14,985 14,698 14,859 15,586 10,884 14,390 14,175 18,669 11,778 3,898 5,174 3,995 6,189 3,670 35.8% 36.0% 28.2% 33.2% 31.2% 2022 2023 9M24 2024 9M25 Write Off (Rp Bn) Recovery (Rp Bn) Recov. to Write Off Ratio
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 29 Lower NPL & Write-Off reflect portfolio resilience ASSET QUALITY 57.8% 12.5% 14.8% 10.4% 3.7% 0.5% Before 2021 2021 2022 2023 2024 2025 76% of 9M25 NPL formation came from client origination before 2022 70% of the loan written off during 1H25 came from client origination before 2022 Fintech paylater & credit card only 66.3% 9.7% 11.2% 7.5% 5.1% 0.1% Before 2021 2021 2022 2023 2024 2025 IDR 12.4Tn 9M25 NPL Formation -9.7% YoY IDR 11.8Tn 9M25 Write Off -16.9% YoY Fintech paylater & credit card only
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 30 Strong reserves & segmented trends underpin stable Credit Cost (bank only) ASSET QUALITY Provisioning for Loan (IDR Tn) Assigned Loan Loss Reserve by Coll & Stage Prov Charges for loan (net*) 38.3 26.6 34.7 11.8 5.8 Loan Provision - Dec 2024 Write Off 9M 2025 Loan Provision - after write off Provision Build Up Loan Provision - Sep 2025 Stage Sep-25 Amount (IDR Tn) LLR % Stage 1 706.2 0.6 Stage 2 66.0 22.6 Stage 3 24.3 63.5 All Stage 796.5 4.4 Collectability Sep-25 Amount (IDR Tn) LLR % Current – Normal 713.6 0.6 LaR 82.9 36.3 Current Restructured 38.7 18.1 Collectability 2 (SML) 28.6 48.0 NPL 15.6 60.2 All Collectability 796.5 4.4 Notes: Figures are on bank only basis. 1) LAR ratio = Special Mention loans + NPL + Total Current Restructured Loans 2) NPL Coverage Ratio = Allowance for Impairment Losses divided by NPL amount. 3) LAR Coverage Ratio = Allowance for Impairment Losses divided by LAR amount NPL % NPL Coverage % LAR % LAR Coverage % 2.0 284.2 11.8 47.4 Sep-24 Sep-25 2.0 222.7 10.4 41.9 CoC by Segment Segment 4Q-24 1Q-25 2Q-25 3Q-25 9M-24 9M-25 Corporate 1.6% -0.4% -0.6% 0.2% -0.9% -0.3% Medium 2.3% 1.1% 2.6% 2.1% 2.7% 1.9% Small 2.8% 5.3% 4.5% 3.5% 6.2% 4.4% Consumer -0.2% 2.5% 3.0% 2.0% 2.4% 2.5% CoC % - Bank wide 1.5% 0.9% 1.0% 1.1% 1.0% 1.0%
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 31 LAR, NPL & Provision Coverage trend ASSET QUALITY LAR & LAR Coverage Ratio NPL & NPL Coverage Ratio Notes: Figures are on bank only basis. 1) LAR ratio = Special Mention loans + NPL + Total Current Restructured Loans 2) NPL Coverage Ratio = Allowance for Impairment Losses divided by NPL amount. 3) LAR Coverage Ratio = Allowance for Impairment Losses divided by LAR amount 34% 27% 37% 49% 53% 47% 49% 47% 43% 42% Avg 2017- 2019 Dec-20 Dec-21 Dec-22 Dec-23 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 LAR Coverage LAR Ratio 145% 182% 233% 278% 319% 284% 256% 263% 243% 223% Avg 2017- 2019 Dec-20 Dec-21 Dec-22 Dec-23 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 NPL Coverage Ratio NPL ratio 9.1% 28.7% 23.3% 16.0% 12.9% 11.8% 10.3% 10.9% 11.0% 10.4% 2.2% 4.3% 3.7% 2.8% 2.1% 2.0% 2.0% 2.0% 1.9% 2.0%
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 32 Digital Initiatives
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 33 We’re exceeding on every customer touch points DIGITAL INITIATIVES We are aiming to enhance digital solutions for all customers’ needs, rather than focusing on a specific product. IDR 380 Tn ▼ 12.5% 13,398 688 Mn ▼ 6.4% IDR 2.71 Tn ▼ 62.7% 550 Mn ▼ 2.5% IDR 8.9 Tn ▼ 40.9% 3.9Mn ▼ 52.4% IDR 105.3 Tn ▲ 28.3% 805+ 14.4 mn ▲ 8.7% IDR 2,486 Bn ▲ 24.7% IDR 8,080 Tn ▲ 26.7% 1,061 Mn ▲ 14.8% 79.8 Mn ▲ 37.2% 226k+ ▲ 9.1% 2,000++ Total Trx Value IDR 1.886 Tn ▲ 64% yoy Total No of Trx 1.72 Bn ▲ 58% yoy E-Channel Mobile Banking Branchless Banking BNI Open API Ecosystem TapCash 280 IDR 43.4 Tn ▲ 19.5% IDR 783 Tn 866 Mn Has been continue to gain steady traction and encouraging users to do transactions. ▲ 16x All key features have been fully migrated to wondr by BNI ▲ 16x Business Merchant
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 34 User Acquisition Growth via All Mobile Banking channel Growth User Base of wondr by BNI Growth Transaction in all Mobile Banking channel Mobile Banking users drives low-cost fund consistently Driving the business of retail customers with the new breed of mobile banking Outstanding Banking Transformation of The Year The Most Innovated and Creative Communication Strategy Product and business Model Category, Super Apps wondr by BNI International Design Award 2025 Ratings 4,9/5,0 Ratings 4,8/5,0 Registered users wondr by BNI (in Mn) YtD New CIF acquisition via mobile banking (thousand) 2.8 5.3 6.8 8.6 10.5 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 1,364 1,834 Sep-24 Sep-25 34% YoY Savings account balance in mobile banking channel (IDR Tn) Average saving balance of new users with wondr is higher which contributes more to savings account balance. 157 184 Sep-24 Sep-25 17% YoY wondr multicurrency DIGITAL INITIATIVES 275% 1,151 1,886 9M24 9M25 Transaction value in all mobile banking channel (IDR Tn) 64% YoY of active users in wondr transact more than 6x per month 67%
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 35 1.4.0 is here to enable people to go global What wondr have done so far… DIGITAL INITIATIVES From global transactions to smart investments, wondr by BNI empowers users to bank seamlessly, anytime and anywhere. More features to come, driving growth in Saving Balance, Transactions and optimizing productivity in-branch service New wealth integration for stock and gold buying and selling services Segment upgrade for High Net Worth Users Intelligent Branch Services Integration for more seamless banking experience More cross border transactions enablement More Event Ticket from Lifestyle feature Everyday Banking New Era of Seamless Banking • Domestic and overseas transfer • Time deposits • Bill payment, virtual account, QRIS, e-wallet • Mutual funds • Personal Finance Management • Integrated portfolio • Cardless transactions • Credit Card installment • Enhanced Personal Finance Management • Buy trains and BNI Java Jazz Tickets • Tax report Elevating Financial Growth • wondr multicurrency • QRIS cross border • Auto-invest mutual fund • Payroll Registration • Increase limit credit card • Pension fund • Debit card tracking and activation • BNI Finance Integration • Life Goals Term Savings • Time deposits USD and SGD • Foreign exchange • Lifestyle • Open investment account • Government Bonds All BNI Mobile Banking Features migrated Jul 2024 Feb 2025 Jul – Sep 2025
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 36 Solid Digital Solutions for Business Banking Clients BNI Open API BNI API 280 services (approved by regulator), the most compared to peers Utilized by 2.000++ partners Global Recognition d i g i t a l s e r v i c e s . b n i . c o . i d We Optimize All Three Possible Roles in Every Ecosystem Presenting comprehensive offer of the ecosystem through a platform Provides services to partners so they can potentiate their products Using partner’s platform as a channel to sell bank’s products Partner with e-commerce, lifestyle companies to sell funding and lending products Customize bundled solutions into new products in collaboration with partners Providing integrated holistic solutions, such as government, education, health, commerce Optimizing API to BNI’s Core Operational Digitized stamp for contract documents valued more than IDR 5 Million Smart & secure contract stamps to prevent fraud Quick & Simple fund transfer API provided by Bank Indonesia BNI is one of 20 BI Fast Sponsor Bank POWERED BY : POWERED BY* : Best Banking API Solution in Indonesia 2023 Indonesia Domestic API Initiatives of The Year 2024 DIGITAL INITIATIVES
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 37 Harnessing the power of integrated wholesale banking solution # of Transactions (in Mn) Transaction Value (IDR Tn) Number of Users (in 000) Ample room for growth BNIdirect • Strong penetration rate in Corporate clients: 75% of total transaction value comes from Corporate Clients • Corporate Clients’ transaction value increased by 29% YoY Payment Management Liquidity Management Value Chain Management Open Banking Solution receivables DIGITAL INITIATIVES 174.0 213.4 Sep-24 Sep-25 22.7% YoY 6,377 8,080 9M24 9M25 26.7% YoY 924 1,061 9M24 9M25 14.8% YoY
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 38 # of Transactions at Agen46 by Type Chargeable Transactions at Agents Continues to Increase as Literacy Improves 17.9k Agents are in Frontier, Remote and Disadvantaged Areas 8.8k 5k 4.1k 12% 14% 32% 59% 85% 92% 69% 61% 2020 2021 2022 2023 2024 1Q-2025 1H-2025 9M-25 % chargeable transaction to total transaction in Agen46 79.8 Million 9M-25 Solid Contribution to Financial Inclusion Empowering Agents with Powerful Mobile Agent App User Friendly More Additional Features, Promo & Information Linked to BNI Digital Loan e-Form (KUR Mikro) Realtime Sharing Fee for Agents Plenty Bill payment Services Financial Report Transaction Online Account Opening, Cash Withdrawal & Deposit +9.1% YoY Spread Across: • Online Account Opening • Money Transfer • Government Subsidy • KUR Loan referrals • Cash Withdrawal and Deposit • Tax and Bill Payment Grocery store, bundled with all-in-one financial services of Agen46 • Increase Customer Traffic • Commission-based income for facilitated transactions 226K Agents DIGITAL INITIATIVES 29% 37% 8% 5% 21% Cash Withdrawal Inquiry Saldo BNI Transfer Cash Deposit Others (Inc. Top Up E-Wallet, Interbank Transfer) Branchless Banking
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 39 Business & Consumer Banking
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 40 High quality growth on business banking Business Banking (IDR Tn) Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Growth (%) Comp (%) NPL (%) QoQ YoY Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Manufacturing 144.7 154.9 147.7 147.0 150.3 2.3% 3.9% 23.3% 3.8 3.0 3.0 3.8 3.2% Trading, Restaurant & Hotel 109.9 111.6 109.3 107.1 118.0 10.2% 7.4% 18.3% 2.5 3.5 3.3 3.1 3.6% Transport, Warehouse & Communications 55.3 61.6 55.5 60.9 62.8 3.0% 13.6% 9.7% 1.3 2.6 2.8 1.9 1.8% Infrastructure 55.0 55.5 57.4 62.6 62.0 -0.9% 12.6% 9.6% 1.0 0.8 0.8 1.1 0.8% Natural Resources 49.6 51.2 51.4 50.8 59.8 17.7% 20.5% 9.3% 0.1 0.1 0.1 0.2 0.2% Business Services 45.9 50.9 55.2 53.8 54.5 1.2% 18.8% 8.4% 1.4 1.1 1.3 0.8 0.6% Social Services 37.0 46.2 44.2 46.7 48.3 3.4% 30.8% 7.5% 0.8 0.5 0.2 0.2 0.5% Agriculture 51.5 48.0 45.6 46.1 48.2 4.7% -6.3% 7.5% 2.6 1.7 1.7 0.7 0.7% Electricity, Gas & Water 28.9 31.5 33.0 34.2 35.5 3.6% 22.8% 5.5% 0.1 0.1 0.1 0.0 0.0% Others 5.2 5.7 4.2 5.3 5.2 -1.7% -0.5% 0.8% 0.7 0.9 1.3 2.6 2.5% Total 582.9 617.1 603.7 614.5 644.6 4.9% 10.6% 100.0% 2.1 2.0 2.0 1.9 1.8% 55.3 61.6 55.5 60.9 62.8 1.3% 2.6% 2.8% 1.9% 1.8% 0.0% 5.0% 10.0% - 10.0 20.0 30.0 40.0 50.0 60.0 70.0 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Amount NPL Transport, Warehouse & Communications Trading, Restaurant, Hotel Manufacturing 109.9 111.6 109.3 107.1 118.0 2.5% 3.5% 3.3% 3.1% 3.6% 0.0% 5.0% 10.0% 10.0 30.0 50.0 70.0 90.0 110.0 130.0 150.0 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Amount NPL 144.7 154.9 147.7 147.0 150.3 3.8% 3.0% 3.0% 3.8% 3.2% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Amount NPL
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 41 Consumer business Ample Room for Growth of Payroll Loan 4,494 4,669 5,080 5,336 352 358 365 372 Dec-24 Mar-25 Jun-25 Sep-25 Number of Payroll Account [Thousand] Number of Payroll Loan Account [Thousand] Personal Loan Debtors Composition Sep-25 NPL Movement - % Product (IDR Tn) Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Growth YoY Comp (%) NPL (%) Sep-24 Sep-25 Mortgage 63.8 66.5 67.6 68.4 69.8 9.4 46.5 2.3 3.5 Personal Loan 55.9 58.0 59.3 60.1 61.4 9.9 40.9 0.8 1.3 Payroll Loan 52.3 54.4 55.6 56.6 58.2 11.4 38.8 0.8 1.3 Fintech Paylater 3.6 3.6 3.7 3.5 3.2 -11.6 2.1 1.8 2.5 Credit Card 14.6 15.0 14.9 15.4 16.0 9.1 10.6 1.8 3.1 Others 2.7 3.0 3.1 3.1 3.1 12.0 2.0 0.4 3.6 Total 137.0 142.5 144.9 147.0 150.2 9.6 100.0 1.6 2.6 2.9 2.6 2.6 2.2 2.3 2.6 2.9 3.0 3.5 0.9 0.8 0.8 0.8 0.8 1.0 1.0 1.0 1.3 1.7 1.7 1.7 1.8 1.8 2.4 2.5 2.5 3.1 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Mortgage Personal Loan Credit Card 35.8% 41.9% 11.7% 3.7% 5.2%1.6% Government Related SOE Private Companies Universities Fintech Others IDR 61.4 Tn
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 42 ESG
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 43 BNI Strong Commitment to Sustainability ESG BNI’s Five Pillars of Sustainability, Aligning Business to UN SDGs BNI FOR INDONESIA Running the company’s business by integrating economic, social, environmental and governance aspects. BNI FOR CUSTOMERS Providing excellent services, digital solutions, security, and privacy protection for all customers. BNI FOR THE ENVIRONMENT Improving environmental quality in line with business development. BNI FOR THE COMMUNITY Increasing awareness and responsibility to all levels of society in line with business development. BNI FOR EMPLOYEES Providing the best conditions for employees as a place of pride for work and accomplishment. First Mover and Consistently Taking a Role in Shaping Sustainable Practices • Green financing enhancement, achieving approximately 10% of the bank’s total loans • Implementing the Indonesian Sustainable Finance Taxonomy (TKBI) for borrowers in the energy sector. • Strengthening ESG aspects on the Risk Acceptance Criteria (RAC) by adding aspects of human rights and occupational health & safety, as well as mitigation and climate change adaptation in borrowers’ operations. • Enlarging RAC coverage from 18 sectors to 22 sectors. Demonstrating continuous progress • Reinforcement of GHG reduction commitment with an NZE roadmap targeting operational NZE by 2028 and financing NZE by 2060. • Integrating ESG risk management into Risk Acceptance Criteria (RAC) across various industry sectors. • Adapting International ESG Reporting Standards (GRI, SASB, SUSBA, ACGS). • BNI holds a single A MSCI ESG Rating, highlighting its strong governance standards, sound business ethics, and enhanced management of ESG-related risks in credit underwriting. The bank also maintains a Medium Risk classification under the Sustainalytics ESG Risk Rating.. Commitment to participate in the green transition & climate action Responsible Business Operations • Respectable Good Corporate Governance practices. • Fair operating, human rights, and labor practices. • Zero data breach with high standard of customer data privacy and security protection. • Zero tolerance for fraud and financial crimes. • Effective CSR Program.
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 44 Driving Climate Resilience & Net Zero Goals as the Commitment to Sustainable Finance ESG Conducting climate-related financial risk management by referring to international standards. Achieving Operation NZE (Net Zero Emission) by 2028 and Financing NZE by 2060 Governance reinforcement in ESG loans Increasing employee’s awareness & capabilities Sharpening ESG disclosure ESG Framework E G S Increasing employee engagement Employee capability enhancement Strengthening customer data and financial protection Increasing diversity in Board level Strengthening Board’s engagement on ESG Short Term Focus (2024) Medium Term Focus (2024-2026) Long Term Focus (≥2027) • Strengthening infrastructure • Establishing Net Zero Emission roadmap and Carbon Budget • Strengthening debtors’ Risk Acceptance Criteria (RAC) • Strengthening infrastructure for climate change risk management • Strengthening Board’s engagement on ESG • Optimizing data loss prevention Implementation of climate change risk management in bank operations Strengthening Climate Resilience Through CRST Implementation Environment Social Governance KEY INITIATIVES ▪ Referring to the CRMS guidelines published by OJK and NGFS ▪ Engagement with debtors in providing emission data for climate risk assessments ▪ Strengthening ESG governance and capacity-building. ▪ Developing CRST (Climate Risk Stress Test) tools to assess climate risks on financial performance and overall bank health. ▪ CRST is a key part of BNI’s Climate Risk Management Strategy (CRMS). ▪ Started in 2024, BNI conducted CRST to assess climate-related risks, both physical risks and transition risks that could impact a bank’s financial resilience ▪ In August 2025, BNI has completed its assessment by achieving 100% of its productive loan portfolio and mortgage. ▪ Electricity and gas are the most vulnerable sectors; agriculture, forestry, and fisheries face notable physical risks. BNI supports the OJK’s launch of CRMS (Climate Risk Management & Scenario Analysis) as part of its commitment to Indonesia’s NZE 2060 and alignment with IFRS S1 and S2.
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 45 BNI's Green Bond: 100% Proceed Allocation, Measurable Environmental Benefits Green Bond Framework As the first Rupiah-denominated green bond, BNI established a Green Bond Framework and obtained a Second-Party Opinion (SPO) from Sustainalytics. Proceeds are exclusively allocated to finance/ refinance "Eligible Green Projects" in line with Green Bond Principles and meeting at least one of the specified environmental categories: Renewable Energy Energy Efficiency Waste to Energy and Waste Management Sustainable Natural Resources and Land Use Sustainable Transportation Sustainable Water and Wastewater Management Climate Change Adaptation Green Buildings Sustainable Agriculture Terrestrial and Aquatic Biodiversity Conservation Summary of 2022 Green Bond Issuance Use of Proceeds 53% 8% 18% As of Dec-24, 100% of green bond proceeds have been allocated to projects selected through BNI’s criteria and reviewed by the ESG Committee. Sectoral distribution of the proceeds 8% 13% IDR 4.4Tn IDR 5.0Tn 100% Environmental & Social Impacts Categories Environmental Impact Alignment with SDGs *) BNI Green Bond Report 2025 can be accessed on https://www.bni.co.id/Portals/1/BNI/Perusahaan/ESG/Docs/Report-Green-Bond-BNI-2025-EN.pdf IDR 5.0Tn (100% of procced) 40.1% 46.5% 6.1% 1.7% 5.6% 1,626,666 (tCO2eq/year) Avoided GHG Em ission per year 1,771,833 (M W h/year) Energy produced per year 23,741 (tCO2eq/year) Avoided GHG Em ission per year 341,019 Gj Energy saving per year 7,869 (tCO2eq/year) Avoided GHG Em ission per year 249,976 (tCO2eq/year) Avoided GHG Em ission per year 1,543,090 (Tonne/year) Total waste recycled 626,342 (tCO2eq/year) Avoided GHG Em ission per year 55,899 (Trees) Total trees planted in reforestation projects 314 ,387 (Ha) Total hectares protected and/or certifi ed Rating A Series : June 21, 2025 B Series : June 21, 2027 idAAA (PEFINDO) IDR 5 tn A Series: 3 years Term 6.35% amount of IDR 4tn B Series: 5 years Term 6.85% amount of IDR 1tn Total Issuance Maturity Date ESG
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 46 BNI’s Sustainability Bond: Driving Change with Purpose Issuance Structure 83% 16% 1% 72% 28% 0% Series A IDR 3.5 Tn Series B IDR 1.5 Tn Bank Non-Bank Retail ESG Eligible Project Sectors Investor by Category Amount Tenure Rating Collateral Coupon IDR 5.0 Tn IdAAA by PT Pemeringkat Efek Indonesia Clean basis Series A : 3 years Series B : 5 years Series A : 6.60% Series B : 6.65% Coupon Payment Quarterly (30/360) Basic Infrastructure Services Essential Services Access Food Security & Sustainable Food System MSME Financing Affordable Housing Socioeconomic Enhancement & Empowerment Social Projects (70% of Allocation) Renewable Energy Energy Efficiency Waste to Energy and Waste Management Sustainable Natural Resources and Land Use Sustainable Transportation Climate Change Adaptation Green Buildings Terrestrial and Aquatic Biodiversity Conservation Sustainable Water and Wastewater Management Green Projects (30% of Allocation) Bond Framework Use of Proceeds ➢ Applies to existing and new facilities. ➢ Lookback period: up to 3 years Management of Proceeds ➢ Managed transparently and accountably. ➢ Tracking: ESG team records proceeds per eligible projects. ➢ Monitoring: Ensures compliance with the framework. ➢ Unallocated Proceeds: Held in liquidity instruments until deployment. Project Evaluation & Selection ➢ Proposal by Business Units. ➢ Eligibility Review by Enterprise Risk Management ➢ Approval by ESG Sub- Committee. ➢ Ensure regulatory and framework alignment Reporting & Disclosure Annual reporting includes: ➢ Allocation Report: Project count, financing amount, and undisbursed proceeds. ➢ Impact Report: Project types and measurable impact indicators. Confirmed by Sustainalytics as credible and impactful, fully aligned with ICMA and ASEAN Sustainability Bond standards.
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 47 Promoting Sustainability Linked Loan (SLL) on top of Sustainable Portfolio SPT (Sustainable Performance Target) Loan disbursement under SLL scheme Sector First Sustainability-Linked Loans (SLL) are gaining more interest Renewable Energy IDR 12.1 Tn Financing to hydro, solar & biogas power plant Environmentally sustainable management of living natural resources and land use IDR 37.3 Tn Pollution Prevention IDR 3.8 Tn Others (Sustainable water and wastewater management, etc.) IDR 23.5 Tn Sosioeconomic Advancement & Empowerment IDR 115.7 Tn Financing and empowerment program towards micro & SME * Sustainable portfolio is loan to business sectors that meet The Sustainable Business Activities Category (KKUB) requirements by OJK Sustainable portfolio* IDR 192.4 Tn or 24% of total loan (bank only) consists of socioeconomic empowerment and green financing Robust 4-Year Growth in Green Loans, Surpassing 20% IDR Tn ESG Agrifood Manufacture Cement Manufacture Steel Manufacture Packaging Manufacture Coal-Derivative Manufacture Petrochemical Industry Minimizing the impact of water pollution Achieving specific CO2 emissions Improvement of ESG scoring on annual basis Reducing emissions, recycling resin and gender equality Reducing GHG emissions, increasing employee training program Reducing GHG emission intensity across refinery and chemical operations ~ USD 412 Mn in total CAGR 22.3% 113.8 117.0 123.2 113.2 117.1 115.7 29.5 55.4 59.7 67.9 73.4 76.7 Dec 20 Dec 21 Dec 22 Dec 23 Dec 24 Sep 25 Social Green
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 48 Sector Guides of Responsible Financing Coal Agriculture – Palm Oil BNI Credit Policy * sustainable portfolio is loan to business sectors that meet the requirements of The Sustainable Business Activities Category (KKUB) of OJK Illegal logging Forced labor, child exploitation, human rights violation Narcotics productions & trading Weapons Destroying world heritage sites Trading protected animals Violating the rights of local community Gambling & money laundering Prohibited by the government Politically Exposed Person (PEP) No Exposure in The palm oil sector guide applies to all palm oil plantations, crude palm oil mills, palm oil refiners, and traders The coal financing guide applies to coal mining and its supporting business (trader and heavy equipment suppliers) Committed to implementing the No Deforestation, No Peat, and No Exploitation (NDPE) policy Obligations to fulfill a mandatory business permits: Plantation Business Permit (IUP), Cultivation Business License (IUP-B), Plantation Business Registration (IUP-P), Plantation Business Registration (SPUP) We require new palm oil debtors to have RSPO or ISPO, and request customers to achieve full RSPO certification within a timeframe in order to expand their target market. For Medium segment, requirement for ISPO is applied as affirmative covenant. the fulfilment of which will be monitored regularly by RM and become subject to periodic internal audit Have strategies to reduce negative impacts on the environment and social Financing to coal mining is strictly for Top Tier Corporates with good ESG practices Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) Debtors have at least a Blue PROPER (Environmental Performance Rating) from the Ministry of Environment Life and Forestry Debtors agree to comply with the loan agreement clause that they will comply with all applicable environmental regulations and required documentations. The failure to satisfy it will impact loan continuity Have strategies to reduce negative impacts on the environment and social There is no forced labor or employment of minors ESG COAL LOAN BREAKDOWN % COAL TO TOTAL LOAN (BANK ONLY) Coal Mining & Trading % PALM OIL TO TOTAL LOAN (BANK ONLY) % PALM OIL PORTFOLIO WITH RSPO AND / OR ISPO* PALM OIL LOAN BREAKDOWN Palm Oil Plantation Refinery & Palm Oil Mill Trading RSPO and/ or ISPO Certified Coal Others Coal Related Manufacture Briquette Industry In the certification process Others 8.5% 91.5% 59.5% 39.8% 0.7% 82% 18% 4.2% 95.8% 97.8% 2.2% 0.03%
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 49 Best-in-class governance becomes corporate priority Top Management Good Corporate Governance practices The Board of Commissioners All Committees under BOC are chaired by an independent commissioner Audit Committee Risk Monitoring Committee Nomination & Remuneration Committee Integrated Governance Committee The Board of Directors BNI fosters and supports the principles of diversity, equality and non-discrimination 23% (3 out of 13) BOD are female All BOD members are independent from the controlling shareholder BOD distribution by age by Sep-25 <50 years old 50 - 55 >55 years old 23% 38.5% 38.5% ESG Predicate as a “Leadership in Corporate Governance” Based on the 2025 ASEAN Corporate Governance Scorecard (ACGS) standard from the Indonesia Institute for Corporate Directorship (IICD), Protection of minority shareholders and initiatives to foster their involvement ISO 37001:2016 Concerning Anti Bribery Management System BNI Code of Ethics Annual Declaration Training/Socialization Whistleblowing System Respectful Working Place BNI has issued regulation in the company guideline regarding the implementation of Respectful Workplace (RWP) which aims to create a safe comfortable work environment, respect and protect human dignity prioritize mutual respect, free from discrimination, exclusion or restrictions, bullying and harassment and various form of violence, both mental, and physical for all employees 3 out of 5 are independent commissioners 20% (1 out of 5) BOC are female
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 50 Embodying sustainability culture Employee Diversity Empowering Women in Top Management Product/ Services with Environmental Impact Green Office Culture Gender Age Note: 1. Top Management defines as AVP, VP, SVP, EVP, and SEVP Level. 2. All figures stated as of Sep 2025 with the total number of full-time employees: 27,069. 3. The recruitment, compensation, and career advancement policies of the bank make no distinctions based on ethnicity, religion, race, gender, or physical disability. United Nations Environment Programme Finance Initiatives (UNEP FI) Member Association membership • Green Building Certification by the Green Building Council Indonesia (GBCI) with Gold Certification for Menara BNI and Platinum Certification for Plaza BNI, as well as Green Building LEED Certification on progress for BNI Building in PIK2. • Wastewater management systems have been implemented in the headquarters, including wastewater recycling into flushing and water plants. • Solar panel installation for the emergency exit in Plaza BNI and BNI Building PIK2. • Adopting a paperless office administration system (E-Office) • Green campaign through various media Indonesia Sustainable Finance Initiatives (IKBI) Founder/Member Indonesia Business Council for Sustainable Development (IBCSD) Founder/Member Indonesia Green Building Council (GBCI) Member Indonesia Human Capital Forum (FHCI) Member 2,586 units of ATM for Disabilities Equipped with voice services and braille to help people with visual and physical disabilities BNI WWF Affinity Card Cardholders can participate in funding conservation activities through a sharing fee of 0.4% from each retail transaction. BNI Amex Vibe Card Targeting youth segment, With card using recycled materials BNI UMKM Ramah Lingkungan (BUMI) BNI Jejak Kopi Khatulistiwa (JKK) BNI encourages MSMEs to be more green in their operational. As of Sep-2025, BNI has distributed IDR 29.0 Bn to119 MSMEs in the craft industry sector. Aiming to boost financial inclusion, build a green economy ecosystem and prepare coffee farmers for global markets. As of Sep 2025, BNI has distributed IDR 45.1 Bn to 348 coffee farmers. Gender Women 31% Men 69% Women 52% Men 48% <25 3% 25-29 18% 30-34 22% 35-40 26% 41-50 21% >50 8% ESG
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 51 IT & Digital Risk Management Framework IT Security Governance Centers on Three Pillars Establishment of CISO (Chief Information Security Officer) As a systemic bank, BNI put heavy emphasis on IT & Digital Risk Management PEOPLE ▪ Security Policy ▪ Security Awareness to employees & customers ▪ Attack Simulation to employees ▪ Dedicated Cybersecurity Staff PROCESS ▪ Security Assessment ▪ Cybersecurity Operation & Threat Management ▪ Penetration Testing & Vulnerability Assessment ▪ Threat Intelligence TECHNOLOGY Cybersecurity & Data Protections Multi-layer security on the infrastructure and network (firewall, IPS, WAF, Database Monitoring, multisite datacenter, DRC), application (Multi-factor Authentication, Encryption, Secure Software Development Life Cycle, Mobile Application Protection), end-point protection (Data Loss Prevention, Endpoint Detection & Response, Antivirus, Hardening, USB Port blocking) and secure data transmission mechanism (data encryption, secured Global File Exchange system, Secure File Transfer Protocol/SFTP, Virtual Private Network/VPN, Secure Hypertext Transfer Protocol/HTTPs) to protect the customer data from cyber threat. User Access Management Identity access management (IAM), Single-sign on (SSO), Privileged access management (PAM), Active directory for end-point access security. Collaborating with official state bodies (BI, OJK and BSSN), security device principals and other communities to obtain information on threats and weaknesses, the latest technology and products, as well as support when incidents occur Standard & Best Practice Strategic Partner Information Technology Director SEVP IT IT Strategy & Architecture CISO AI & Big Data Analytics Wholesale Digital Delivery Retail Digital Delivery Application Development IT Application Services IT Infrastructure Management SORX* Technology, Digital & Operations *) SORX: Senior Operational Risk Executive GOVERNANCE PROTECTION OPERATION Security awareness Information security provisions Organizational capabilities Multi-layer defense mechanism Penetration testing Incident management & forensics 24x7 Security Operation Center (SOC) Threat intelligence User access management ESG
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 52 External Recognition of Our Best-in-Class ESG Practices *Based on the 2022 ASEAN Corporate Governance Scorecard (ACGS) standard from the Indonesia Institute for Corporate Directorship (IICD) MSCI ESG Rating Sustainalytics Joint Consumer Protection Movement BI 2024 Asia Sustainability Reporting Awards (ASRA) 2024 Asia Sustainability Reporting Rating 2024 (ASRRAT) ASEAN Corporate Governance Scorecard (ACGS) 2025 Corporate Governance Perception Index (CGPI) Award 2024 IDX ESG Leader Index 1 of 30 Public Company Listed SRI (KEHATI) Index Constituent of Sustainable Investment INDONESIAN BIODIVERSITY FOUNDATION Period: June 2025 – November 2025 IDX ESG star-listed companies: https://esg.idx.co.id/ Period: June 2025 – November 2025 Last Report: 25 June 2025 MSCI ESG RATINGS A CCC B BB BBB A AA AAA Asia’s Best Sustainability Report - Bronze 6 March 2025 Last Update: 30 July 2025 Negl Low High Severe Med. 0-10 10-20 20-30 30-40 40+ 21.3 ESG Risk Rating Medium Risk Ranking INDUSTRY GROUP Banks UNIVERSE Global Universe 323 out of 1,026 4,744 out of 14,744 15 September 2025 ASEAN Asset Class 2025 Leadership in Corporate Governance The Most Trusted Company 25 November 2024 16 December 2024 Contributor to the Joint Consumer Protection Movement BI 2024 Asia Sustainability Report Rating (ASRRAT) 2024 - Gold 21 November 2024 ESG
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 53 About BNI
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 54 Board of Commissioner (BoC) Note: *Mr. Suminto (former Commissioner) concluded his term on October 8, 2025, upon his appointment as LPS Commissioner ex-officio from the Ministry of Finance. His termination will be ratified at the next General Meeting of Shareholders. **Effective since October 16, 2025 (OJK Fit & Proper Test Approval) DONNY HUTABARAT COMMISSIONER** ▪ Head of the Financial Market Development Department, Bank Indonesia (2020 – 2025) ▪ Member of the Market Committee of the Bank for International Settlements (MC-BIS) (2020 – 2025) ▪ Head of Bank Indonesia London Representative Office, Bank Indonesia (2017 – 2020) OMAR SJAWALDY ANWAR PRESIDENT COMMISSIONER/INDEPENDENT COMMISSIONER TEDI BHARATA VICE PRESIDENT COMMISSIONER ▪ Deputy Head, State-Owned Enterprises Regulatory Body (BP BUMN) (2025 – Present) ▪ Deputy for Human Resources, Technology, and Information, Ministry of State-Owned Enterprises (2021 – 2025) ▪ Commissioner, Bank Mandiri (Persero) Tbk. (2024 – 2025) ▪ Executive Chairman, IBM Indonesia Technology (2023 – Present) ▪ President Director, Prudential Syariah Life Assurance (2021 – 2023) ▪ President Director, Aberdeen Standard Investments Indonesia (2018 – 2021) DIDIK JUNAIDI RACHBINI INDEPENDENT COMMISSIONER ▪ Rector, Paramadina University (2021 – present) ▪ Chairman of the Supervisory Board, Foundation for Economic and Financial Development Institute (LPEK) INDEF (1996 – present) ▪ Chairman of the Executive Board, Lembaga Penelitian, Pendidikan dan Penerangan Ekonomi dan Sosial (LP3ES) (2018 – 2022) VERA FEBYANTHY INDEPENDENT COMMISSIONER ▪ Member of Commission XI of the House of Representatives of the Republic of Indonesia (2019 – 2024 term) ▪ Member of Commission XI of the House of Representatives of the Republic of Indonesia (2009 – 2014 term) SUMINTO COMMISSIONER* ▪ Director General of Budget Financing and Risk Ministry of Finance ▪ Governor at the OPEC Fund for International Development
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 55 Board of Director (BoD) ALEXANDRA ASKANDAR Deputy President Director ▪ Deputy President Director, Bank Mandiri (2020 – 2025) ▪ Corporate Banking Director, Bank Mandiri (2019 – 2020) ▪ Institutional Banking Director, Bank Mandiri (2018 – 2019) ABU SANTOSA SUDRADJAT Treasury & International Bankingrector ▪ SEVP International Banking & Financial Institutions, Bank Mandiri (2024 – 2025) ▪ GM Overseas & Singapore Branch, Bank Mandiri (2020 – 2024) ▪ Group Head Treasury, Bank Mandiri (2019 – 2020) RIAN ERIANA KASLAN Network and Retail Funding Director ▪ SEVP Retail Digital Solution, Bank Negara Indonesia (2021 – 2025) ▪ President Commissioner, PT BNI Modal Ventura (2022 – 2024) ▪ EVP Head of Digital Strategy & Delivery, Commonwealth Bank Indonesia (2006 – 2021) HUSSEIN PAOLO KARTADJOEMENA Finance & Strategy Director (CFO) DAVID PIRZADA Risk Management Director ▪ SEVP Wholesale Risk, Bank Mandiri (2018 – 2020) ▪ Country Chief Risk Officer, Bank of Tokyo Mitsubishi UFJ, Jakarta (2015 – 2018) ▪ Head of Risk Administration Department, The Bank of Tokyo Mitsubishi UFJ Ltd (2010) TOTO PRASETIO Information Technology Director RONNY VENIR Operations Director ▪ Network and Services Director, Bank Negara Indonesia (2020 – 2025) ▪ SEVP Network, Bank Negara Indonesia (2019 – 2020) ▪ SEVP Medium Business, Bank Negara Indonesia (2018 – 2019) AGUNG PRABOWO Corporate Banking Director ▪ Wholesale and International Banking Director, Bank Negara Indonesia (2024 – 2025) ▪ President Director, BNI Sekuritas (2021 – 2024) ▪ Managing Director, UBS Investment Bank (2013 – 2021) CORINA LEYLA KARNALIES Consumer Banking Director ▪ Retail Banking Director, Bank Negara Indonesia (2024 – 2025) ▪ Digital & Integrated Transaction Banking Director, Bank Negara Indonesia (2023 – 2024) ▪ Consumer Banking Director, Bank Negara Indonesia (2020 – 2023) ▪ Digital and Integrated Transaction Banking Director, Bank Negara Indonesia (2024 – 2025) ▪ President Commissioner, Hibank Indonesia (2023 – 2024) ▪ SEVP Corporate Development & Transformation, BNI (2020 – 2024) PUTRAMA WAHJU SETYAWAN President Director (CEO) ▪ Deputy President Director, Bank Negara Indonesia (2024 – 2025) ▪ Retail Banking Director, Bank Negara Indonesia (2023 – 2024) ▪ Treasury Director, Bank Negara Indonesia (2022 – 2023) EKO SETYO NUGROHO Institutional Banking Director ▪ Finance & Risk Management Director, Pupuk Iskandar Muda (2023 – 2025) ▪ Head of Distribution Network & Sales Division, Bank Negara Indonesia (2022) ▪ Head of Regional Office 14, Bank Negara Indonesia (2021) MUNADI HERLAMBANG Human Capital & Compliance Director* ▪ Institutional Banking Director, Bank Negara Indonesia (2024 – 2025) ▪ Institutional Relations Director, Jasa Raharja (2021 – 2024) ▪ Finance, Human Capital & Risk Management Director, Wijaya Karya Bitumen (2019 – 2021) MUHAMMAD IQBAL Commercial Banking Director ▪ SME and Retail Funding Director, Bank Tabungan Negara (2024 – 2025) ▪ Institutional Banking Director, Bank Negara Indonesia (2023 – 2024) ▪ Enterprise & Commercial Banking Director, Bank Negara Indonesia (2022 – 2023) *Effective upon OJK Fit & Proper Test Approval ▪ Technology and Operations Director, Bank Negara Indonesia (2023 – 2025) ▪ SEVP Information Technology, Bank Mandiri (2019 – 2022) ▪ Group Head IT Application Support, Bank Mandiri (2017 – 2019)
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 56 Employees Outlets (KC, KCP, KK*) Consumer Loan Processing Center (LNC) Commercial Business Center (CMC) Retail Productive Business Center (RCC) ATM Branchless Banking Network and Distribution BNI has also entered into key arrangements with prominent companies for payment channelling, financing, loan distribution, and network/outlet development *As per POJK No.12/POJK.03/2021, KK is registered as KCP 270,977 Business Banking Debtors 268,032 Small Loan Debitor 2,351 Medium Loan Debtors 594 Corporate Debtors *Including overseas debtors 74.0 Funding Accounts million 26.6 Regular Saving Accounts million 250,860 Mortgage Customers 2.0 Credit Cards million Overseas Offices Singapore Nov 1955 Hongkong Apr 1963 Tokyo Sep 1969 New York Apr 1983 London Apr 1984 Osaka Dec 2012 Seoul Feb 2016 Amsterdam May 2022 Sydney Sep 2024 Corporate/SME Customer Highlights Individual Customer Highlights Sep-25 1,776 2024 1,780 2023 1,781 2022 1,808 2021 1,854 Sep-25 226,143 2024 213,370 2023 185,697 2022 164,979 2021 157,632 Sep-25 13,398 2024 13,388 2023 13,390 2022 16,125 2021 16,385 Sep-25 20 2024 20 2023 19 2022 23 2021 23 Sep-25 26 2024 26 2023 26 2022 27 2021 27 Sep-25 12 2024 12 2023 12 2022 12 2021 12 Sep-25 27.069 2024 27,203 2023 27,570 2022 27,170 2021 27,177
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 57 E-Banking (Bank Only) Expanding the network of banking services to unbanked people through Agen46 Reliable Transaction Platform to Support The Cashless Society Branchless Banking 9M24 2024 9M25 YoY # Agent 207,228 213,370 226,143 9% Agent Fund (IDR Bn) 3,971 4,818 5,532 39% #Trx (Mn) 58.18 79.35 79,82 37% Volume (IDR Tn) 36.33 51.97 43,42 20% #Pandai Account (Th) 20,162 20.178 21.190 5% Pandai Fund (IDR Bn) 875 1,124 1,152 32% Electronic Money & Acquiring 9M24 2024 9M25 YoY BNI Tap Cash #Card (Th) 13,271 13,633 14,420 9% #Trx (Mn) 83 116 102 23% Volume (IDR Bn) 1,995 2,779 2,486 25% Acquiring (EDC + QRIS + Online Merchant) #Trx (Mn) 326 459 462 42% Volume (IDR Tn) 82 113 105 28% Mobile Banking is set to become the dominant banking channel for customers E-Channel 9M24 2024 9M25 YoY wondr and BNI Mobile Banking #User (Th) 17,929 23,433 27,896 35% #Trx (Mn) 1,041 1,574 1,724 58% Volume (IDR Tn) 1,104 1,687 1,885 64% SMS Banking #User (Th) 12,709 12,695 12,450 -2% #Trx (Mn) 474 688 550 -3% Volume (IDR Tn) 7 9 3 -63% Internet Banking #User (Th) 2,235 2,217 2,228 -0% #Trx (Mn) 8 10 4 -52% Volume (IDR Tn) 15 19 9 -41% ATM #Trx (Mn) 823 969 688 -6% Volume (IDR Tn) 434 567 380 -13%
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 58 Consumer Finance SME Digital Bank Venture Capital Insurance Investment Manager Securities A one-stop shop for lifetime finance and business needs New car financing franchise, emerges as a market contender Dealer Partnership 1,400 Dealer Preparing an SME-Focused Digital Bank as Long-Term Growth Engine for The Group Number of Clients ~1.2 M CIF 17 May 2023 Rebranding as hibank to support the vision of becoming Indonesia's Leading MSME Digital Bank. 18 May 2022 Officially acquired PT Bank Mayora Catalyst between BNI's business groups and start-ups. 99.9% % BNI Ownership Strong Value Proposition as an Investment Manager that focuses on index mutual funds, environmentally friendly and fixed income. 99.9% % BNI Ownership (through BNI Sekuritas) #3 #9 31 4.9% Respected investment banking and securities brokerage services 75.0% % BNI Ownership #7 Empowering customer with Life Insurance Services 60.0% % BNI Ownership #9 Top Product Life Insurance with Endowment Benefit (Solusi Series, Hy End Pro, and Steady Protection) Large customer base for Bancassurance and Employee Benefits business. 99.9% 63.9% % BNI Ownership Brokerage and Investment Banking drive BNI Sekuritas’ performance amid highly challenging and volatile markets. Founded on April 2022 Obtained OJK license on January 2023 62% 36% 2% 0.4% Bancassurance Employee Benefit Agency Alternative Dist. 35% 45% 24% 27% 41% 28% 9M24 9M25 Others Investment Banking Brokerage ▲45% YoY (Rp12.3 T → Rp17.8 T) Total Deposit (Sep’24) (Sep’25) ▲23% YoY (Rp9.7 T → Rp11.9 T) Total Loan (Sep’24) (Sep’25) ▲0.02% YoY (2.9% → 2.9%) LaR (Sep’24) (Sep’25) Loan Portfolio Mix (%) 34% 66% SME Non SME Sep-25 Outstanding Joint Financing BNI – BNI Finance ▼4.7% YoY (Rp0.9 T → Rp0.9 T) (Sep’24) (Sep’25) ▲1.9% YoY (Rp4.5 T → Rp4.1 T) (Sep’24) (Sep’25) Total Asset ▲0.2% YoY (Rp5.9 T → Rp5.9 T) (Sep’24) (Sep’25) Total Financing
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 59 Subsidiaries Contribution to BNI Group Group Structure Year of establishment Shares ownership MULTIFINANCE SECURITIES REMITTANCE 1983 99.99% 1995 75.00% LIFE INSURANCE 1996 60.00% 1996 100.00% ASSET MANAGEMEN T 2011 99.90% SECURITIES 2021 100.00% BANK 2022* 63.92% VENTURE CAPITAL 2022 99.98% Note: as of February 2021, the financial summary (report) is excluded BNI Syariah as a consolidated calculation. * Year of acquisition Note: - Total Contribution consist of Net Profit +Fee Income + Share Investments - Fee Income : Contribution of subsidiaries which is directly recorded as FBI in BNI (parent company) Total Asset (IDR Tn) 53.9 63.2 9M24 9M25 Net Profit (IDR Bn) Total Subs Contribution (IDR Bn) * 1,866.4 1,821.0 '9M24 '9M25 339.2 146.1 9M24 9M25
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 60 Subsidiaries Highlighted Performances BNI Life Insurance* BNI Securities Consolidated hibank BNI Ventures Note: - *) Data 9M2025 using IFRS 17 EAT (IDR Bn) Asset (IDR Bn) Equity (IDR Bn) FBI contribution to BNI (IDR Bn) 512 514 528 507 508 516 2.9 0.4 0.3 9M2023 9M2024 9M2025 14,287 17,411 23,066 4,453 4,566 4,695 123.1 93.7 71.0 9M2023 9M2024 9M2025 2,408 5,862 5,876 507 848 686 -46.1 2.5 -150.0 2.3 2.0 1.0 9M2023 9M2024 9M2025 3,181 3,197 4,083 1,181 1,214 1,310 22.9 41.0 2.1 8.1 7.5 18.4 9M2023 9M2024 9M2025 24,723 26,702 29,448 6,211 6,570 6,131 213.7 202.7 224.0 308.3 291.3 306.1 9M2023 9M2024 9M2025
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 61 Capital Ratios are well above minimum requirement (Bank Only) REGULATORY REQUIREMENT 13.80% Min. CAR based on Risk Profile + add buffers (valid until Feb-25) 9.80 % CAR based on Risk Profile (valid until Feb-25) 1.5% (Capital Surcharge on Systemic Bank) 9.95% CAR based on Risk Profile 19.0% 18.6% 19.5% 18.4% 18.5% 1.3% 1.4% 1.4% 1.4% 1.4% 1.5% 1.4% 1.4% 1.3% 1.3% Sep 24 Dec 24 Mar 25 Jun 25 Sep 25 CET 1 AT 1 Tier 2 CAR 21.8% 21.4% 22.3% 13.95% (starting from Mar-25) (starting from Mar-25) 2.5% (Capital Conservation Buffer) 21.1% 21.1%
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 62 Risk Weighted Asset (Bank Only – IDR Tn) Sep-24 Dec-24 Sep-25 RWA - Credit Risk 631.2 660.2 692.7 RWA - Market Risk 11.0 14.2 10.2 RWA - Operational Risk 37.4 37.4 40.4 Total RWA 679.6 711.8 743.3 Total Capital 148.4 152.3 156.7 CAR - % 21.8 21.4 21.1 BBNI Capital Realization Risk Weighted Asset (Bank Only – IDR Tn) BBNI Capital Realization Sep-24 Dec-24 Sep-25 Common Equity Tier I Capital (%) Minimum Requirement 10.3 10.3 10.5 BNI Realization 19.0 18.6 18.5 Tier I Capital (%) Minimum Requirement 11.8 11.8 12.0 BNI Realization 20.3 20.0 19.8 Total CAR Based on Risk Profile + Add Buffers (%) 1. BNI Risk Profile (Rating 2 Sound) 9.8 9.8 10.0 2. Capital Conservation Buffer 2.5 2.5 2.5 3. Countercyclical Buffer 0 0 0 4. Capital Surcharge 1.5 1.5 1.5 Minimum Requirement (%) 13.8 13.8 14.0 CAR BNI Realization (%) 21.8 21.4 21.1 2023 2024 Sep-25 Add On based on Bank's Risk Profile 1.80% 1.80% 1.95% Minimum Common Equity Tier 1 Capital 4.50% 4.50% 4.50% Tier 1 Capital Minimum 6.00% 6.00% 6.00% Capital Conservation Buffer 2.50% 2.50% 2.50% Countercyclical Buffer (Applied to all bank) 0.00% 0.00% 0.00% Capital Surcharge (Bank with systemic risk) 1.50% 1.50% 1.50% Minimum Common Equity Tier 1 + Risk Profile + Additional Buffers 10.30% 10.30% 10.45% Minimum Tier 1 Capital based on Risk Profile + Additional Buffers 11.80% 11.80% 11.95% Minimum CAR + Risk Profile + Additional Buffers 13.80% 13.80% 13.95% BASEL 3 Capital requirement and BNI Capital realization
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 63 Breakdown Yield Earning Asset & Interest Bearing Liabilities (bank only) Breakdown Earning Asset 9M24 9M25 Growth YoY Amt (IDR Tn) Yield Amt (IDR Tn) Yield Amt (%) Yield Loan 721.8 7.6% 796.5 7.3% 10.4% -0.3% Non Loan 215.5 5.7% 264.6 5.2% 22.8% -0.5% Marketable Securities 147.9 4.6% 173.6 4.4% 17.4% -0.2% Placement 39.0 4.0% 64.5 3.4% 65.7% -0.6% Acceptance and other receivables 28.6 13.6% 26.5 14.3% -7.4% 0.7% Total Earning Assets 937.2 7.1% 1,061.1 6.7% 13.2% -0.3% Breakdown Interest Bearing Liabilities 9M24 9M25 Growth YoY Amt (IDR Tn) CoF Amt (IDR Tn) CoF Amt (%) CoF Third Party Fund 757.5 2.7% 916.8 2.8% 21.0% 0.1% Current Account 297.7 2.7% 338.6 2.6% 13.7% -0.1% Savings 238.1 0.7% 268.2 1.1% 12.6% 0.4% Time Deposit 221.7 4.8% 310.0 5.0% 39.8% 0.2% Borrowings & Repo 40.8 7.5% 48.8 6.1% 19.8% -1.3% MS Issued 29.2 4.6% 32.7 4.9% 11.8% 0.3% Total Interest Bearing Liabilities 827.5 3.4% 998.3 3.4% 20.6% 0.0%
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 64 BNI Shares & Rating BNI Shares & Rating Market Cap Movement & PBV Fitch Rating Long Term Foreign Currency Long Term Local Currency Short Term Foreign Currency Viability Rating National Long Term Rating National Short Term Rating Pefindo Corporate Rating Standard & Poor's Outlook Long Term Foreign Issuer Credit Long Term Local Issuer Credit Short Term Foreign Issuer Credit Short Term Local Issuer Credit Moody's Outlook Foreign Long Term Bank Deposits Local Long Term Bank Deposits Baseline Credit Assessment Adjusted Baseline Credit Assessment Counterparty Risk Assessment BBB BBB/Stable F2 Bbb- AAA/Stable F1+ AAA/Stable Stable BBB BBB A-2 A-2 Stable Baa2 Baa2 Baa3 Baa3 Baa2/p-2 ▪ Issued shares 37,297,312,916 shares Ownerships Sep-25 Government of Indonesia (1 share of Series A Dwiwarna) 0.0% PT Danantara Asset Management (Persero) 60.0% Public - Domestic 13.8% Public - Foreign 26.2% Breakdown of shares ownership 10% Retail 90% Institutions Free Float Shares Geographical distribution of free float shares (as of Sep-25) 34.6% Indonesia 24.2% UK & Europe 19.8% US & Canada 7.7% Rest of Asia 5.4% Singapore 8.2% Rest of The World Historical Share Price Performance Versus JCI – YoY Trend Diversified Shareholder Base 40% -21% 9% 37% 17% -19% -6% -5% 10% 4% 6% -3% 14% 2020 2021 2022 2023 2024 Sep-25 BBNI Share Price - 1Y (%) JCI - 1Y (%) 115 126 172 200 162 153 1.04 1.06 1.33 1.40 0.99 0.95 2020 2021 2022 2023 2024 Sep-25 Market Cap (IDR Tn) PBV (x)
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 65 5 Years Financial Data
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 66 5 Years Financial Data (1) Consolidated Profit or Loss (IDR Bn) 2020 2021 2022 2023 2024 9M24 9M25 Interest Income 56,173 50,026 54,659 61,472 66,583 48,836 51,167 Interest Expense (19,021) (11,779) (13,338) (20,196) (26,103) (19,398) (21,914) Net Interest Income 37,152 38,247 41,321 41,276 40,480 29,439 29,253 Premium Income Net 1,471 1,399 1,552 1,659 1,724 1,215 581 Fee Based Income 11,864 13,639 14,820 14,783 16,286 11,754 13,109 Recovery 1,549 2,581 3,780 5,030 6,025 3,868 3,562 Operating Income 52,036 55,865 61,472 62,747 64,515 46,275 46,505 Operating Expense (24,214) (24,801) (27,059) (27,778) (29,688) (20,989) (21,832) Pre-Provision Income (PPOP) 27,822 31,064 34,413 34,970 34,826 25,287 24,673 Provisioning Charges (22,590) (18,298) (11,514) (9,196) (8,211) (5,389) (6,121) Non-Operational Inc/(Exp) (119) (216) (212) (134) (35) (33) (114) Net Income 3,280 10,898 18,312 20,909 21,464 16,308 15,115 Consolidated Balance Sheet (IDR Bn) 2020 2021 2022 2023 2024 Sep 24 Sep 25 Total Assets 891,337 964,838 1,029,837 1,086,664 1,129,806 1,068,080 1,269,486 Placement with other banks & BI 61,329 92,290 51,569 43,794 17,076 15,076 33,018 Marketable Securities [market value] 29,947 26,053 28,556 37,408 48,453 42,246 58,959 Government Bonds [market value] 90,661 111,430 121,291 127,100 132,072 130,287 142,235 Loans (gross) 586,207 582,436 646,188 695,085 775,872 735,018 812,195 Third Party Funds 679,452 729,169 769,269 810,730 805,511 769,739 934,326 Deposit from other banks 9,372 14,377 15,245 11,894 18,548 13,877 14,741 Marketable Securities Issued 3,085 18,751 22,110 21,822 30,674 29,144 32,569 Borrowings 44,114 32,458 35,654 30,950 42,931 34,995 42,088 Shareholders’ Equity 112,872 126,520 140,198 154,733 167,187 162,170 171,610
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 67 5 Years Financial Data (2) All ratios are bank only, unless stated otherwise *ROAE with average total equity as denominator ; 14.7% in 1Q25 if the denominator is Tier 1 Capital as reported to OJK Financial Ratios (%) 2020 2021 2022 2023 2024 9M24 9M25 LOAN Growth [Consolidated] 5.3 5.3 10.9 7.6 11.6 9.5 10.5 CASA Ratio [Consolidated] 68.5 69.4 72.4 71.2 69.9 70.3 65.6 CASA Growth [Consolidated] 5.6 17.1 10.1 3.6 -2.5 5.5 13.3 CAPITAL Shareholders equity to total asset 12.7 13.1 13.6 14.2 14.6 15.2 13.5 Tier I - CAR (include operational risk) 15.7 17.7 17.5 20.2 20.0 20.3 19.8 Tier II - CAR (include operational risk) 1.1 2.0 1.8 1.7 1.4 1.5 1.3 Total CAR (credit,market + operational risk) 16.8 19.7 19.3 22.0 21.4 21.8 21.1 ASSET QUALITY Net Non-Performing Loan 0.9 0.9 0.5 0.6 0.7 0.6 0.8 Gross Non-Performing Loan 4.3 3.7 2.8 2.1 2.0 2.0 2.0 Credit Cost 4.1 3.3 1.9 1.4 1.1 1.0 1.0 NPL Coverage 182.4 233.4 278.3 319.0 255.8 284.2 222.7 RENTABILITY Pre-Tax ROAA 0.5 1.4 2.5 2.6 2.5 2.5 2.2 ROAE* 2.6 9.4 14.9 15.2 14.2 14.7 12.7 Net Interest Margin 4.5 4.7 4.8 4.6 4.2 4.2 3.8 EFFICIENCY Cost to Income Ratio 44.2 43.3 42.6 42.9 44.6 43.8 46.1 LIQUIDITY Loan to Deposit Ratio 87.3 79.7 84.2 85.8 96.1 95.3 86.9 DIVIDEND Dividend Payout Ratio [%] 25.0 25.0 40.0 50.0 65.0 - -
ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 68 Equity Research Contact Details NO BROKERAGE ANALYST EMAIL 1 Autonomous Ryan Foo rfoo@autonomous.com 2 Bahana Securities Yusuf Ade Winoto Yusuf.ade@bahana.co.id 3 BCA Securities Andre Benas andre.benas@bcasekuritas.co.id 4 CGS International Handy Noverdanius handy.noverdanius@cgsi.com 5 Ciptadana Securities Erni M Siahaan Siahaanerni@ciptadana.com 6 Citi Investment Research Ferry Wong Ferry.wong@citi.com 7 CLSA Sarina Lesmina Sarina.Lesmina@clsa.com 8 Danareksa Securities Victor Stefano Victor.stefano@brids.co.id 9 DBS Bank Rui Wen Lim ruiwenlim@dbs.com 10 Goldman Sachs Melissa Kuang Melissa.kuang@gs.com 11 HSBC Singapore Weldon SNG Weldon.sng@hsbc.com.sg 12 Indo Premier Securities Jovent Muliadi Jovent.muliadi@ipc.co.id 13 JP Morgan Harsh Wardhan Modi Harsh.w.modi@jpmorgan.com 14 KB Valbury Securities Akhmad Nurcahyadi Akhmad.nurcahyadi@kbvalbury.com 15 Macquarie Jayden Vantarakis Jayden.vantarakis@macquarie.com 16 Mandiri Securities Kresna Hutabarat Kresna.hutabarat@mandirisek.co.id 17 Maybank Kim Eng Securities Jeffrosenberg Chenlim Jeffrosenberg.lim@maybank.com 18 Mirae Asset Securities Robertus Yanuar Hardy Robertus.hardy@miraeasset.co.id 19 MNC Securities Victoria Venny Victoria.nawang@mncgroup.com 20 Morgan Stanley Selvie Jusman Selvie.Jusman@morganstanley.com 21 Nomura Verdhana Raymond Kosasih Raymond.kosasih@verdhana.id 22 RHB Securities Andrey Wijaya Andrey.wijaya@rhbgroup.com 23 Samuel Securities Suria Dharma Suria.dharma@samuel.co.id 24 Sucor Securities Edward Lowis Edward.lowis@sucorsekuritas.com 25 Trimegah Securities Jonathan Gunawan jonathan.gunawan@trimegah.com 26 UOB Kay Hian Posmarito Pakpahan posmarito@uobkayhian.com 27 UBS Joshua Tanja Joshua.tanja@ubs.com
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 69 PT. Bank Negara Indonesia (Persero) Tbk. Investor Relations Division Grha BNI Building, 21st Floor Jl Jend Sudirman kav. 1 Jakarta 10220 T: 62-21-5728314 E: ir@bni.co.id Disclaimer This presentation has been prepared by PT. Bank Negara Indonesia (Persero) Tbk (the “Company”) for information purposes only. No representation or warranty, express or implied, is given by or on behalf of the Company (BNI nor any of its subsidiaries, its affiliates, directors, commissioners, employees and representatives) as to the accuracy, correctness, reasonableness or completeness of the information or opinions contained in this presentation. The presentation does not constitute or form part of an offer, solicitation or invitation of any offer, to buy or subscribe for any securities, nor should it or any part of it form the basis of, or be relied in any connection with, any contract, investment decision or commitment whatsoever. The Company (BNI nor its subsidiaries, its affiliates, directors, commissioners, employees and representatives) does not accept any liability whatsoever for any loss however arising from any use of this presentation or their contents or otherwise arising in connection therewith (whether written or verbal communication). Forward Looking Statements Some of the information in this presentation may contain projections or other forward-looking statements regarding future events or the future financial performance of the Company. These forward-looking statements include all matters that are not historical facts. They are subject to known and unknown risks and uncertainties and can be affected by other factors that could cause actual results to differ materially from those expressed or implied in the forward-looking statements. The Company undertakes no obligation to revise or update any forward-looking statement contained within this presentations, regardless of whatever those statements are affected as a result of new information, future events or otherwise. Rounding Please note that rounding differences may appear throughout the presentation.
BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 70 Thank You

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Bank Negara Indonesia (BNI) Corporate Presentation 3Q2025

  • 1.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 1 Corporate Presentation 3Q2025 Jakarta, 24 October 2025 PT Bank Negara Indonesia (Persero), Tbk.
  • 2.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 2 Table of Contents ◎ Management Highlights ◎ Macroeconomic Highlights ◎ Financial Highlights Highlighted Results Balance Sheet Highlight Profit or Loss Loan Composition Loan Disbursement Third Party Fund Liquidity (LCR, NSFR & LDR Ratios) Fee Based Income (FBI) Operating Expense (OPEX) ◎ Asset Quality Loan at Risk LAR by Segment, Write Off & Recovery NPL Formation & Write off Vintage Sufficient Provisioning in line with risk appetite LAR, NPL & Provision Coverage trend ◎ Digital Initiatives 03 10 15 26 32 16 16 16 20 21 22 23 24 25 27 28 29 30 31 ◎ Business & Consumer Banking 39 ◎ ESG 42 ◎ About BNI 53 ◎ 5 Years Financial Data 65 2 BNI is licensed and supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI)
  • 3.
    BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 3 Management Highlights
  • 4.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 4 Building a stronger, more balanced BNI MANAGEMENT HIGHLIGHT CASA growth acceleration Strong fee growth and cost discipline 4.0% 14.0% Sep-24 Sep-25 Refining loan growth mix for a more balanced portfolio Our strength lies on capital, liquidity, and asset quality Current Account growth YoY 7.4% 12.6% Sep-24 Sep-25 Savings Deposit growth YoY 16.8% 4.0% KBMI 4 BNI OPEX growth YoY Fee Based Income (IDR Tn) *KBMI 4 excl. BNI as of 8M25 * 86.9% Sep-25 11.8% 10.4% Sep-24 Sep-25 LAR (%) LDR (%) -140bps 19.8% Sep-25 Tier-1 CAR (%) Loan Growth by Segment* 11.8 Tn 13.1 Tn 9M24 9M25 11.5% 1.5% -3.5% 10.6% 11.1% 6.3% 14.3% 13.9% 12.4% 9.6% Middle SME non-KUR Corporate Consumer KUR 10.5% YoY (Sep-25) 8.2% CAGR (2019 – 2024) 2019 – 2024 CAGR (%) Sep-25 YoY (%) Consolidated -24.1%
  • 5.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 5 Sustainable growth in Medium & SME: Our strategy for quality expansion MANAGEMENT HIGHLIGHT Backed by prudent expansion strategies 1 2 4 5 3 Robust credit scoring tools, fully utilized since 2024 for SME. Tactical Account Planning (TAP) to optimize customer profitability both from lending and non-lending business. Synergy with Corporate and Institutional Banking to capture value chain opportunity. Empowering capability-enhanced outlets as key point of sales. Competitive service level and lending policy: ➢ Loan processing accelerated by 2 weeks, powered by enhanced lending tools. ➢ Fine-tuning Risk Acceptance Criteria (sectoral lending policy) for 18 sectors. Stronger net expansion with smaller write-off Medium Segment Loan Movement 2019 – September 2025 (IDR Tn) SME Non-KUR Segment 102.2 91.9 91.9 109.9 119.7 119.7 102.2 8.6 18.9 18.0 109.9 13.1 3.3 Dec-19 Re-Segmentation Cumulative Write-Off 5Y Cumulative Net Expansion Pre Write-Off Dec-24 YTD Sep-25 Net Expansion Pre Write-Off YTD Sep-25 Write-Off Sep-25 SME Non-KUR Segment Loan Movement 2019 – September 2025 (IDR Tn) 46.6 37.2 37.2 42.6 46.3 46.3 51.0 4.4 9.4 5.4 42.6 5.8 2.1 Dec-19 Re-Segmentation Cumulative Write-Off 5Y Cumulative Net Expansion Pre Write-Off Dec-24 YTD Sep-25 Net Expansion Pre Write-Off YTD Sep-25 Write-Off Sep-25
  • 6.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 6 From digital adoption to financial results MANAGEMENT HIGHLIGHT Sustained growth across digital channels Expands its digital foothold with rising user adoption 2.8 10.5 Sep-24 Sep-25 # of Users (in Mn) 3.8x YoY Empowering businesses through seamless digital solutions 174 213 Sep-24 Sep-25 # of Users (in 000) 22.7% YoY Testament of stronger user engagement Resulted in robust low-cost funding and fee income growth +20% YoY # of Regular Savings accounts +19% YtD # of Payroll account +15% YoY # of transactions in BNIdirect CASA +13.3% YoY > Current Account > Savings Account e-Channel Account Maintenance Retail Bond & Mutual Fund Collection, API & Cash pooling (+10% YoY) (+9% YoY) (+49% YoY) (+18% YoY) Fee-based income from digital channels was supported by… IDR 3.6 Tn in 9M25 (+11% YoY) Eq. ~30% of Total Fee-based Income 1.8 Tn 1.2 Tn 0.1 Tn 0.5 Tn +14.0% YoY +12.6% YoY
  • 7.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 7 Positive shift in the liquidity environment Fiscal spending accelerated Supportive monetary policy Source: BI ** CASA-first strategy 7.30 6.43 6.19 4.82 SRBI Ownership (IDR Tn) SRBI 1Y Rate EoM (%) 924 891 783 709 Dec-24 Mar-25 Jun-25 Sep-25 CoF showed early signs of easing M2 Growth (% YoY) Benchmark Rate (%) Fiscal Surplus/Deficit (IDR Tn) YTD Net Expansion in CASA is higher than in Loans Percentage of GDP(%) CASA Loan +50.1 Tn (+9% YtD) +36.3 Tn (+5% YtD) MANAGEMENT HIGHLIGHT 67.6 (243.4) (371.5) (662.0) 9M23 9M24 9M25 Gov. Outlook 2025 0.3% -1.1% -1.6% -2.8% Source: MoF MtD Cost of Third Party Funds (%) 2.9% 3.0% 3.1% 2.8% Jun-25 Jul-25 Aug-25 Sep-25 4.8 6.1 6.4 8.0 6.00 5.75 5.50 4.75 Dec-24 Mar-25 Jun-25 Sep-25
  • 8.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 8 FY25 Original Aspiration NIM Guidance Revision Loan Growth (% YoY) Net Interest Margin Credit Cost 8.0 - 10.0% 10.5% ≥ 3.8% 3.8% ± 1.0% 1.0% bank only bank only 9M25 Results FY25 New Aspiration 8.0 - 10.0% (no changes) ± 3.7% (new guidance) ± 1.0% (no changes) MANAGEMENT HIGHLIGHT
  • 9.
    BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 9 Macroeconomic Highlights
  • 10.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 10 Rupiah performance has been below peers YTD amid economic volatility Fortunately, Indonesia’s large trade surplus prevented further currency weakening Source: CEIC, BNI OCE Source: CEIC, BNI OCE Source: Bloomberg, BNI OCE The Rupiah depreciated by -3.5% YTD, whereas peers strengthened by 5-6% -3.22 1.94 -7.82 -9.10 -10.00 -8.00 -6.00 -4.00 -2.00 0.00 2.00 4.00 6.00 8.00 10.00 Foreign Flows (In USD) As of 30-Sep-25 Equity Government Bonds SRBI Total -9.9% -3.7% -3.5% -0.6% 0.0% 2.4% 3.2% 3.9% 4.6% 5.0% 5.4% 5.5% 5.9% 5.9% 6.5% 6.9% 8.3% 11.8% -15% -10% -5% 0% 5% 10% 15% DXY* India Indonesia Philippines Russia China Canada ASEAN Avg South Korea Thailand EM Average - Ex Arg & Tur Singapore Japan Malaysia Average Ex Arg & Tur UK South Africa EU Exchange Rate Performance Sep-2025 (%) Data as of : 30 Sep2025 -5 -3 -1 1 3 5 7 9 11 -50% -30% -10% 10% 30% 50% 70% Aug-18 Nov-18 Feb-19 May-19 Aug-19 Nov-19 Feb-20 May-20 Aug-20 Nov-20 Feb-21 May-21 Aug-21 Nov-21 Feb-22 May-22 Aug-22 Nov-22 Feb-23 May-23 Aug-23 Nov-23 Feb-24 May-24 Aug-24 Nov-24 Feb-25 May-25 Aug-25 Trade Data Trade balance (US$ bn) - RHS Exports (%YoY) Imports (%YoY) The weakening rupiah was partly driven by foreign portfolio outflows of –USD 9.1bn in 9M25
  • 11.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 11 Consumer Confidence Index (CCI) decreased further, where the confidence of the aspiring middle-income class weakened The weakening of core inflation (excluding gold) indicates a moderate purchasing power Car sales contracted, whereas motorcycle sales slightly picked up, which might have reflected downtrading activities Furthermore, imports contraction suggested a modest domestic demand Source: CEIC, BNI OCE Source: CEIC, BNI OCE Source: CEIC, BNI OCE Source: CEIC, BNI OCE 60 70 80 90 100 110 120 130 140 150 Mar - 19 Jun - 19 Sep - 19 Dec - 19 Mar - 20 Jun - 20 Sep - 20 Dec - 20 Mar - 21 Jun - 21 Sep - 21 Dec - 21 Mar - 22 Jun - 22 Sep - 22 Dec - 22 Mar - 23 Jun - 23 Sep - 23 Dec - 23 Mar - 24 Jun - 24 Sep - 24 Dec - 24 Mar - 25 Jun - 25 Sep - 25 CCI by Spending Level IDR 1 - 2 Million > IDR 5 Million IDR 2,1-5 Million Overall CCI <100 Pessimistic Decoupling CCI post pandemic -19.03 0.72 -30 -20 -10 0 10 20 30 Jan-24 Feb-24 Mar-24 Apr-24 May-24 Jun-24 Jul-24 Aug-24 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Car and Motorcycle Sales (% YoY) Car Sales Motorcycle Sales -60% -40% -20% 0% 20% 40% 60% 80% 100% Aug-18 Nov-18 Feb-19 May-19 Aug-19 Nov-19 Feb-20 May-20 Aug-20 Nov-20 Feb-21 May-21 Aug-21 Nov-21 Feb-22 May-22 Aug-22 Nov-22 Feb-23 May-23 Aug-23 Nov-23 Feb-24 May-24 Aug-24 Nov-24 Feb-25 May-25 Aug-25 Import based on Classification (YoY %) Total Imports Consumer goods Raw materials Capital goods 2.65 2.19 1.37 1.00 1.10 1.20 1.30 1.40 1.50 1.60 1.70 1.80 1.90 -0.50 0.00 0.50 1.00 1.50 2.00 2.50 3.00 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Headline Inflation and Non-Gold Core Inflation (% YoY) Headline Core Core Non-Gold - RHS On the domestic side, the frequent indicators have yet to develop significantly in 3Q25
  • 12.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 12 The government's focus on MBG and food security is expected to support improvements in consumption The government set a budget of Rp335tn for the MBG next year Excluding the MBG, government spending is expected to grow by only 4.8% in 2026 Food security budget is increased by 6% in the 2026 State Budget as part of the government's initiative to attain food self-sufficiency The expansion of pro-consumption programs will help accelerate fiscal spending in the first half of 2026 Source: MoF, BNI OCE Source: MoF, BNI OCE Source: MoF, BNI OCE MBG Budget 2026 Main Budget: Rp268tn Reserve: Rp67tn Total Budget: Rp335tn Target Recipients: 82.9 million people => Students, toddlers, and pregnant women 110 100 85 81 74.5 86 89 115 160 155 164 38.6% -2.7% 5.9% -20% -10% 0% 10% 20% 30% 40% 50% 0 20 40 60 80 100 120 140 160 180 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Govt Outlook 2026 Budget Change (% YoY) Rp tn Food Security Spending Food Security Spending % Change - RHS 3,410.5 3,574.7 117 268 3,527.5 3,842.7 3,000 3,200 3,400 3,600 3,800 4,000 2025 Government Outlook 2026 APBN Fiscal Expenditure (Rp tn) Expenditure Ex. MBG MBG +4.8% +129.1% +8.9% Source: MoF, BNI OCE 43 43.1 46.5 44.5 42.7 44.8 41.2 42 40.2 40.2 41.6 Average: 42.7 36 38 40 42 44 46 48 1H14 1H15 1H16 1H17 1H18 1H19 1H20 1H21 1H22 1H23 1H24 Fiscal Spending Realization (% of FY Figure)
  • 13.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 13 BI's accommodative policy is expected to continue next year BI has lowered the BI-Rate by 125 bps to 4.75% in Jan-Sep 2025 BI also supports the economy through liquidity expansion policies We believe BI still has room to lower the BI-Rate by 25 bps this year and by 25-50 bps next year Accomodative fiscal and monetary policies would accelerate rate cut transmission Source: BI, BNI OCE Source: BI, BNI OCE Source: BI, BNI OCE Source: BI, BNI OCE Liquidity Support KLM Expansion : Rp91tn PLM Reduction : Rp70tn-90tn Purchase of Government Bonds in the secondary market: Rp160tn Total support : Rp221tn-241tn 5.00 3.75 3.50 5.50 6.00 6.00 4.50 4.00-4.25 3.0 3.5 4.0 4.5 5.0 5.5 6.0 6.5 2019 2020 2021 2022 2023 2024 2025F 2026F BI-Rate (%) 5.00 4.75 4.25 3.75 5.75 5.50 2 3 4 5 6 7 8 Jan-22 Mar-22 May-22 Jul-22 Sep-22 Nov-22 Jan-23 Mar-23 May-23 Jul-23 Sep-23 Nov-23 Jan-24 Mar-24 May-24 Jul-24 Sep-24 Nov-24 Jan-25 Mar-25 May-25 Jul-25 Sep-25 BI-Rate, Deposit Facility Rate & Lending Facility Rate (%) BI-Rate Deposit Facility Lending Facility -221 -159 -100 -66 -16 -7 -250 -200 -150 -100 -50 0 SRBI 1Y INDONIA BI-Rate Govt Bond 10Y Time Deposit 1M Rate* Lending Rate* Interest Rate Change YTD (bps) - as of 15-Sep-2025 *as of Aug-2025
  • 14.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 14 BI's accommodative policy has been positive for the liquidity situation INDONIA is now 73 bps below BI-Rate, suggesting ample liquidity The ample liquidity situation is also reflected by the lower repo demand to BI Source: Bloomberg, BNI OCE Source: BI, BNI OCE Source: BI, Bloomberg, BNI OCE Source: MoF, BNI OCE 7.30 4.82 6.00 4.75 4.5 5 5.5 6 6.5 7 7.5 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 BI-Rate vs SRBI Rate (%) SRBI 1 Year BI-Rate 0.73 126.4 0 20 40 60 80 100 120 140 -0.6 -0.4 -0.2 0.0 0.2 0.4 0.6 0.8 1.0 Aug-24 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 BI Rate–IndONIA Spread vs. BI’s Available Liquidity Diff BI Rate and INDONIA BI's available liquidity Normal BI Rate and INDONIA Spread 923 709 - 200 400 600 800 1,000 1,200 Jan III 2024 Mar IV 2024 Jun II 2024 Aug III 2024 Oct IV 2024 Jan I 2025 Mar II 2025 May IV 2025 July IV 2025 Sep IV 2025 SRBI Outstanding (Rp tn) SRBI 218 11 0 50 100 150 200 250 Sept III… Jan III 2020 Mei III 2020 Sept III… Jan III 2021 Mei III 2021 Sept III… Jan III 2022 May IV… Sep IV 2022 Jan IV 2023 May IV… Sep IV 2023 Jan IV 2024 Jun I 2024 Oct I 2024 Feb I 2025 June I 2025 Sep IV… BI OMO Expansionary/Repo (Rp tn) Repo Average Repo: Rp28tn
  • 15.
    BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 15 Financial Highlights
  • 16.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 16 9M25 Strategy: Solidifying liquidity and asset quality for growth in coming quarters FINANCIAL HIGHLIGHT Highlighted Results (IDR Bn) 9M24 9M25 YoY (%) 3Q24 4Q24 1Q25 2Q25 3Q25 QoQ (%) B/S [Consolidated] Total Asset 1,068,080 1,269,486 18.9 1,068,080 1,129,806 1,146,583 1,201,653 1,269,486 5.6 Loan 735,018 812,195 10.5 735,018 775,872 765,469 778,681 812,195 4.3 Third Party Funds 769,739 934,326 21.4 769,739 805,511 819,580 899,865 934,326 3.8 CASA 541,194 613,383 13.3 541,194 563,278 577,807 647,554 613,383 -5.3 Current Account 302,260 344,455 14.0 302,260 305,734 319,983 381,639 344,455 -9.7 Savings Account 238,934 268,928 12.6 238,934 257,544 257,824 265,915 268,928 1.1 Time Deposit 228,545 320,943 40.4 228,545 242,233 241,774 252,311 320,943 27.2 P&L [Consolidated] Net Interest Income 29,439 29,253 -0.6 10,367 11,042 9,834 9,681 9,737 0.6 Interest Income 48,836 51,167 4.8 16,663 17,747 16,713 16,901 17,553 3.9 Interest Expense (19,398) (21,194) 13.0 (6,296) (6,705) (6,879) (7,220) (7,815) 8.3 Non Interest Income 16,837 17,252 2.5 5,913 7,198 5,217 5,390 6,645 23.3 OPEX (20,989) (21,832) 4.0 (7,434) (8,700) (6,740) (7,225) (7,867) 8.9 PPOP 25,287 24,673 -2.4 8,845 9,540 8,312 7,846 8,515 8.5 Provisioning Charges (5,389) (6,121) 13.6 (1,878) (2,822) (1,760) (2,027) (2,333) 15.1 Net Profit 16,308 15,115 -7.3 5,617 5,155 5,380 4,714 5,021 6.5
  • 17.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 17 Strong foundation: 86.9% LDR | 21.1% CAR | solid LCR & NSFR FINANCIAL HIGHLIGHT Highlighted Results (%) 9M24 9M25 YoY (%) 3Q24 4Q24 1Q25 2Q25 3Q25 QoQ (%) Profitability & Efficiency [Bank Only] CASA Ratio (Consolidated) 70.3 65.6 -4.7 70.3 69.9 70.5 72.0 65.6 -6.4 CoF (Third Party Funds) 2.7 2.8 0.13 2.60 2.65 2.75 2.81 2.93 0.12 NIM 4.2 3.8 -0.4 4.4 4.5 3.9 3.7 3.6 -0.1 ROAE* 14.7 12.7 -2.0 14.9 12.9 13.3 12.3 12.5 0.2 Pre-tax ROAA 2.5 2.2 -0.3 2.7 2.4 2.4 2.1 2.1 0.0 CIR 43.8 46.1 2.3 44.0 46.6 43.8 47.1 47.3 0.2 Asset Quality [Bank Only] LAR 11.8 10.4 -1.4 11.8 10.3 10.9 11.0 10.4 -0.6 NPL (Gross) 2.0 2.0 0.0 2.0 2.0 2.0 1.9 2.0 0.1 Credit Cost 1.0 1.0 0.0 1.0 1.5 0.9 1.0 1.1 0.1 LAR Coverage Ratio 47.4 41.9 -5.5 47.4 48.8 47.3 43.1 41.9 -1.2 NPL Coverage Ratio 284.2 222.7 -61.5 284.2 255.8 263.1 243.4 222.7 -20.7 Liquidity [Bank Only] LDR 95.3 86.9 -8.4 95.3 96.1 93.1 86.2 86.9 0.7 LCR 160.4 167.4 6.9 160.4 155.9 150.9 144.2 167.4 23.2 NSFR 136.6 142.1 5.5 136.6 132.5 137.8 143.0 142.1 -0.9 Capital [Bank Only] Tier-1 CAR 20.3 19.8 -0.5 20.3 20.0 20.9 19.7 19.8 0.1 Total CAR 21.8 21.1 -0.7 21.8 21.4 22.3 21.1 21.1 0.0 *ROAE with average total equity as denominator ; 14.1% in 9M25 if the denominator is Tier 1 Capital as reported to OJK
  • 18.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 18 A Balance Sheet positioned for growth and lower costs FINANCIAL HIGHLIGHT Consolidated Balance Sheet (IDR Bn) Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Growth - % QoQ YoY Total Assets 1,068,080 1,129,806 1,146,583 1,201,653 1,269,486 5.6 18.9 Placement with other banks & BI 15,076 17,076 26,516 69,744 33,018 -52.7 119.0 Current Account with Bank Indonesia 43,101 51,669 43,169 35,942 92,683 157.9 115.0 Marketable Securities [market value] 42,246 48,534 51,968 52,412 58,959 12.5 39.6 Government Bonds [market value] 130,287 132,072 134,026 135,127 142,235 5.3 9.2 Loans (gross) 735,018 775,872 765,469 778,681 812,195 4.3 10.5 Third Party Funds 769,739 805,511 819,580 899,865 934,326 3.8 21.4 CASA 541,194 563,278 577,807 647,554 613,383 -5.3 13.3 • Current Account 302,260 305,734 319,983 381,639 344,455 -9.7 14.0 • Saving Account 238,934 257,544 257,824 265,915 268,928 1.1 12.6 Time Deposits 228,545 242,233 241,774 252,311 320,943 27.2 40.4 Deposits from other Banks 13,877 18,548 14,007 11,456 14,741 28.7 6.2 Marketable Securities Issued 29,144 30,674 31,435 26,964 32,569 20.8 11.8 Borrowings 34,995 42,931 38,846 39,436 42,088 6.7 20.3 Shareholders’ Equity 162,170 167,187 173,014 165,188 171,610 3.9 5.8
  • 19.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 19 Strong revenue momentum in Q3 and prudent financial management FINANCIAL HIGHLIGHT *Starting in 2025, BNI Life implemented IFRS 17 from previously IFRS 4 Consolidated Profit & Loss (IDR Bn) 9M24 9M25 YoY (%) 3Q24 4Q24 1Q25 2Q25 3Q25 QoQ (%) Interest Income 48,836 51,167 4.8 16,663 17,747 16,713 16,901 17,553 3.9 Interest Expense (19,398) (21,914) 13.0 (6,296) (6,705) (6,879) (7,220) (7,815) 8.3 Net Interest Income 29,439 29,253 -0.6 10,367 11,042 9,834 9,681 9,731 0.6 Insurance & Investment Income – Net* 1,215 581 -52.2 428 509 137 206 238 15.4 Fee-based Income 11,754 13,109 11.5 4,001 4,532 4,014 4,046 5,049 24.8 Recovery 3,868 3,562 -7.9 1,483 2,157 1,067 1,137 1,358 19.5 Non Interest Income 16,837 17,252 2.5 5,913 7,198 5,217 5,390 6,645 23.3 Operating Income 46,275 46,505 0.5 16,279 18,240 15,051 15,071 16,383 8.7 Operating Expense (20,989) (21,832) 4.0 (7,434) (8,700) (6,740) (7,225) (7,867) 8.9 Pre-Provision Income (PPOP) 25,287 24,673 -2.4 8,845 9,540 8,312 7,846 8,515 8.5 Provisioning Charges (5,389) (6,121) 13.6 (1,878) (2,822) (1,760) (2,027) (2,333) 15.1 Net Income before Tax 19,866 18,439 -7.2 6,934 6,716 6,519 5,798 6,122 5.6 Net Income 16,308 15,115 -7.3 5,617 5,155 5,380 4,714 5,021 6.5
  • 20.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 20 Strategic Loan growth with risk discipline FINANCIAL HIGHLIGHT (IDR Tn) Loan Composition (IDR Tn) Loan Yield by Segment (%) – Bank Only Segment 3Q24 4Q24 1Q25 2Q25 3Q25 Blended Loan 7.7 7.9 7.4 7.3 7.2 Corporate 6.9 7.0 6.5 6.5 6.4 Medium 7.7 7.5 8.2 7.9 7.6 Small 9.8 11.7 9.4 9.0 8.6 Consumer 8.8 9.1 8.4 8.2 8.4 IDR Yield 8.0 8.5 7.8 7.7 7.5 FX Yield 6.5 6.0 5.8 5.8 5.7 54.5% 55.6% 55.7% 56.0% 55.5% 14.2% 14.2% 13.6% 13.5% 14.7% 10.5% 9.8% 9.6% 9.4% 9.1% 18.6% 18.4% 18.9% 18.9% 18.5% 2.1% 2.1% 2.2% 2.2% 2.1% 200.0 300.0 400.0 500.0 600.0 700.0 800.0 900.0 0.0% 20.0% 40.0% 60.0% 80.0% 100.0% 120.0% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Subsidiaries Consumer Small Medium Corporate 9M24 9M25 7.6 7.3 6.8 6.5 7.8 7.9 9.7 9.0 8.4 8.3 7.9 7.7 6.2 5.8 778.7 735.0 775.9 765.5 812.2 Segment Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Growth - % QoQ YoY Business Banking Corporate 400.8 431.4 426.0 435.8 450.7 3.4 12.4 Corp. Private & Institutions 287.3 317.6 309.7 314.6 327.7 4.2 14.1 Corporate SOE 113.5 113.8 116.3 121.2 122.9 1.4 8.3 Medium 104.7 109.9 103.9 105.4 119.7 13.6 14.3 Enterprise 55.4 58.1 55.0 54.3 64.8 19.3 17.0 Commercial 49.3 51.8 48.9 51.1 54.9 7.5 11.3 Small 77.4 75.8 73.7 73.2 74.2 1.3 -4.1 Govt Subs Loan (KUR) 36.7 33.2 30.7 28.8 27.8 -3.6 -24.1 SME Non-KUR 40.7 42.6 43.0 44.4 46.3 4.4 13.9 Subtotal 582.9 617.1 603.6 614.5 644.6 4.9 10.6 Consumer Mortgage 63.8 66.5 67.6 68.4 69.8 2.0 9.4 Personal Loan 55.9 58.0 59.3 60.1 61.4 2.2 9.9 Credit Card 14.6 15.0 14.9 15.4 16.0 3.4 9.1 Others 2.7 3.1 3.1 3.1 3.1 -0.2 12.0 Subtotal 137.0 142.5 144.9 147.0 150.2 2.2 9.6 Subsidiaries 15.1 16.2 16.9 17.2 17.4 1.4 15.3 Total Consolidated 735.0 775.9 765.5 778.7 812.2 4.3 10.5 Working Capital 423.2 451.8 437.2 442.9 462.8 4.5 9.4 Investment Loan 170.3 177.1 178.6 184.5 194.8 5.6 14.4
  • 21.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 21 Rp 182.5 trillion loan disbursed in 3Q25, driven by top tier clients YoY Loan Movement (IDR Tn) – Bank only QoQ Loan Movement (IDR Tn) – Bank Only FINANCIAL HIGHLIGHT Top 3 Industries Contributing to YoY Loan Growth in Sep-25 Top 3 Industries Contributing to QoQ Loan Growth in Sep-25 Outstanding Increase (IDR Tn) General Trading Natural Resources Infrastructure 16% 5% 5% Outstanding Increase (IDR Tn) Social Services (Govt Inst & Healthcare) 37% 20% 17% 1.8 2.7 7.2 Infrastructure 7.6 8.6 10.8 Telecommunications 763.3 796.5 3.8 Jun-25 Disbursement Install/Paid-Off Write-Off Sep-25 Corporate Medium Enterprise Commercial Small Consumer : 72.3 Tn : 78.5 Tn : 43.8 Tn : 34.7 Tn : 9.0 Tn : 22.6 Tn 182.5 145.4 721.8 796.5 574.9 483.8 16.3 Sep-24 Disbursement Install/Paid-Off Write-Off Sep-25 Corporate Medium Enterprise Commercial Small Consumer : 308.7 Tn : 153.2 Tn : 72.0 Tn : 81.1 Tn : 33.9 Tn : 79.2 Tn
  • 22.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 22 MtD Cost of Third-Party Funds (%) – Bank Only Funding resilience in a competitive market dynamic FINANCIAL HIGHLIGHT Third Party Funds Composition CASA +13.3 % YoY (IDR Tn) (IDR Tn) 39.3% 38.0% 39.0% 42.4% 36.9% 31.0% 32.0% 31.5% 29.6% 28.8% 29.7% 30.1% 29.5% 28.0% 34.4% -85 -75 -65 -55 -45 -35 -25 -15 -5 5 0.0% 20.0% 40.0% 60.0% 80.0% 100.0% 120.0% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Current Account Saving Account Time Deposit 769.7 805.5 819.6 899.9 934.3 Segment Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Growth - % QoQ YoY CASA 541.2 563.3 577.8 647.6 613.4 -5.3 13.3 Current Account 302.3 305.7 320.0 381.6 344.5 -9.7 14.0 Saving Account 238.9 257.5 257.8 265.9 268.9 1.1 12.6 Time Deposit 228.5 242.2 241.8 252.3 320.9 27.2 40.4 Third Party Funds 769.7 805.5 819.6 899.9 934.3 3.8 21.4 CASA Ratio 70.3% 69.9% 70.5% 72.0% 65.6% -6.3 -4.7 Cost of Third-Party Funds (%) – Bank Only 1.38 1.33 1.40 1.52 1.80 1.77 2.09 2.37 2.82 2.48 2.44 2.53 2.62 2.57 2.74 0.58 0.55 0.56 0.61 0.61 0.58 0.56 0.63 0.67 0.72 0.76 0.80 1.00 1.06 1.13 2.47 2.35 2.35 3.32 3.41 3.97 4.20 4.65 4.86 5.13 4.81 4.82 4.87 5.10 4.95 1.46 1.38 1.40 1.75 1.87 2.07 2.25 2.54 2.79 2.72 2.60 2.65 2.75 2.81 2.93 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Current Account Saving Account Time Deposits Cost Of Third Party Fund MtD Cost of Third Party Funds (%) 2.9% 3.0% 3.1% 2.8% Jun-25 Jul-25 Aug-25 Sep-25
  • 23.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 23 LCR and NSFR well above regulatory requirement (bank only) FINANCIAL HIGHLIGHT Short-Term Obligations Have Been Well Covered..... 230.2% 250.1% 215.3% 193.1% 219.0% 203.4% 204.8% 183.5% 174.1% 176.0% 160.8% 160.4% 155.9% 150.9% 144.2% 167.4% 151.8% 133.4% 126.1% 124.2% 164.1% 154.1% 155.1% 145.3% 146.3% 139.1% 137.2% 136.6% 132.5% 137.8% 143.0% 142.1% Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 LCR (Liquidity Coverage Ratio) NSFR (Net Stable Funding Ratio) 76.9% 82.0% 85.8% 88.5% 82.5% 87.7% 87.4% 89.8% 88.8% 89.5% 93.3% 95.0% 94.9% 92.6% 86.4% 85.2% 94.1% 101.6% 112.6% 103.9% 92.3% 77.5% 76.9% 90.9% 75.2% 87.0% 96.7% 96.2% 100.5% 95.1% 85.3% 94.3% 79.7% 85.2% 89.7% 91.2% 84.2% 85.4% 85.2% 90.1% 85.8% 89.0% 94.0% 95.3% 96.1% 93.1% 86.2% 86.9% Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 IDR FX Blended LDR is Also Manageable, Well Within Regulatory Framework .... As Well As for Supporting Long-Term Assets
  • 24.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 24 Fee-based Income breakdown FINANCIAL HIGHLIGHT Breakdown of Non-Interest Income Key Fee Income Growth Contributors Solid growth in Trading Activities Fee supported by favorable rate environment (IDR Bn) (IDR Bn) Bank-only (IDR Bn) Bank-only Fee-based Income 9M24 9M25 YoY % 4Q24 1Q25 2Q25 3Q25 QoQ % Consumer Banking 5,238 5,815 11.0 1,931 1,845 1,837 2,133 16.1 Account Maintenance 1,615 1,771 9.6 607 534 559 678 21.4 ATM & e-Channel 1,138 1,245 9.5 411 401 405 439 8.6 Debit Card Maintenance 391 395 0.9 119 122 135 138 1.7 PPOB & Bill payment 294 283 -3.9 89 85 98 100 2.2 Remittance 208 201 -3.1 79 72 62 67 8.8 Card Business, Bancass, etc 1,592 1,920 20.6 626 631 579 711 22.8 Business Banking 6,280 6,962 10.9 2,344 2,029 2,172 2,761 27.1 Trade Finance 839 524 -37.5 270 216 149 159 6.1 Marketable securities 1,276 2,290 79.4 583 594 747 949 27.0 FX Trading, Revaluation & Derivatives 1,047 791 -24.4 214 235 241 315 30.6 Pension Fund 169 183 8.3 60 57 62 64 3.3 Syndication 655 664 1.3 350 174 128 361 181.0 Share Investment, Custody, Coop Fee, Etc 2,293 2,511 9.5 867 751 845 915 8.3 Total Fee-based Income (Bank Only) 11,517 12,778 10.9 4,275 3,874 4,009 4,895 22.1 Other Subsidiaries 237 331 39.8 256 140 37 154 317.2 Total Fee-based Income (Consolidated) 11,754 13,109 11.5 4,531 4,014 4,046 5,049 24.8 7,814 7,897 2,324 3,081 1,380 1,799 9M24 9M25 2,640 2,890 2,483 2,468 2,946 797 797 829 988 1,264 488 588 561 554 685 3Q24 4Q24 1Q25 2Q25 3Q25 Other Fee Income Trading Activities Banking Activities 3,925 4,275 3,874 11,517 12,778 4,009 4,895 1,276 2,290 9M24 9M25 Marketable Securities 1,615 1,771 9M24 9M25 Account Maintenance 1,138 1,245 9M24 9M25 ATM & e-Channel 79.4% 9.5% 9.6%
  • 25.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 25 Opex Composition Variable remuneration & digitalization drove opex in 3Q25 Quality over Quantity Cost to Income and Cost to Asset ratio Headcount priority toward business & digital units Result-oriented reward scheme calibration to retain and attract top talents 27,150 27,069 Sep 24 Sep-25 NUMBER OF EMPLOYEE FINANCIAL HIGHLIGHT *Starting in 2025, BNI Life implemented IFRS 17 from previously IFRS 4 44.2% 43.3% 42.6% 42.9% 44.6% 43.8% 46.1% 2.6% 2.5% 2.5% 2.5% 2.5% 2.5% 2.4% 2020 2021 2022 2023 2024 9M24 9M25 CIR Cost to Asset Operating Expenses 9M24 9M25 YoY-% 4Q24 1Q25 2Q25 3Q25 QoQ-% Personnel Expenses 9,831 10,483 6.6 4,184 3,274 3,291 3,917 19.0 Base Salary 3,386 3,562 5.2 1,140 1,194 1,190 1,178 -1.0 Other Allowance 3,043 3,534 16.1 2,083 902 904 1,728 91.1 Post Employee Benefits 2,393 2,577 7.7 614 926 928 723 -22.0 Training 157 122 -21.9 44 34 47 42 -9.0 Subsidiaries 852 687 -19.4 303 219 223 245 9.8 Digitalization & Transactional 1,297 1,446 11.5 454 502 439 505 15.1 G&A Expenses 5,577 5,490 -1.6 2,334 1,593 1,986 1,911 -3.8 IT & Telecommunication 1,070 1,040 -2.8 405 248 472 319 -32.5 Occupancy Related 485 462 -4.7 147 142 158 162 2.3 Promotion 578 745 28.7 470 168 246 330 34.2 Transport & Travel 172 186 7.8 65 50 77 59 -23.7 Goods, Prof. Services & Others 2,836 2,658 -6.3 972 854 911 893 -2.0 Subsidiaries 434 399 -8.1 276 131 121 147 21.5 Other Expenses 3,927 4,314 9.9 1,607 1,338 1,478 1,498 1.4 Other Subsidiaries* 357 100 -72.0 121 33 31 36 18.4 Total Operating Expenses 20,989 21,832 4.0 8,700 6,740 7,225 7,867 8.9 9,831 10,483 9M24 9M25 PERSONNEL EXPENSES (IDR Bn) Bank-only (IDR Bn)
  • 26.
    BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 26 Asset Quality
  • 27.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 27 ASSET QUALITY Loan at Risk (IDR Tn) Current Restructured Loan (IDR Tn) Special Mention Loan (Coll. 2) by Segment (IDR Tn) Non-Performing Loan (NPL) by Segment (IDR Tn) 89.0 91.4 88.2 85.4 56.2% 55.5% 57.1% 57.4% 58.1% 57.8% 57.8% 57.2% 21.4% 20.8% 19.6% 19.8% 19.8% 19.6% 20.7% 20.8% 13.7% 14.4% 13.7% 12.9% 11.2% 10.9% 9.6% 9.0% 8.7% 9.4% 9.6% 9.9% 10.9% 11.8% 11.9% 13.0% 12.9% 13.3% 12.3% 11.8% 10.3% 10.9% 11.0% 10.4% Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Corporate Medium Small Consumer LaR 78.6 81.7 56.5% 58.7% 62.0% 61.9% 65.9% 67.2% 66.4% 67.6% 18.5% 18.9% 17.3% 17.9% 16.1% 16.1% 19.3% 18.7% 17.4% 15.4% 13.4% 13.1% 9.9% 9.0% 7.4% 6.8% 7.5% 7.0% 7.2% 7.2% 8.1% 7.7% 6.8% 6.9% 5.9% 5.8% 5.4% 5.0% 4.5% 4.5% 5.0% 4.9% Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Corporate Medium Small Consumer Coll 1R 40.5 39.7 38.9 36.4 34.4 83.8 33.6 38.3 82.9 38.7 70.0% 65.6% 63.5% 64.0% 67.9% 64.3% 59.0% 55.9% 16.0% 15.0% 16.4% 17.0% 14.8% 15.4% 19.4% 21.7% 6.5% 10.0% 10.1% 8.4% 6.9% 8.1% 7.8% 7.6% 7.6% 9.3% 10.0% 10.6% 10.4% 12.2% 13.7% 14.8% 4.9% 5.5% 4.9% 4.8% 3.8% 4.5% 4.0% 3.6% Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Corporate Medium Small Consumer SML Ratio 33.8 37.8 35.1 34.7 29.2 33.4 23.3% 18.7% 28.0% 30.0% 20.7% 21.3% 33.2% 33.9% 41.5% 41.8% 33.6% 31.2% 38.3% 37.1% 27.0% 24.2% 20.5% 23.3% 23.5% 23.4% 22.6% 21.5% 18.8% 17.2% 14.7% 16.2% 14.9% 15.4% 18.3% 20.2% 21.1% 24.6% 2.1% 2.0% 2.0% 2.0% 2.0% 2.0% 1.9% 2.0% 0.0% 20.0% 40.0% 60.0% 80.0% 100.0% 120.0% Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Corporate Medium Small Consumer NPL Ratio 14.7 13.9 14.2 14.2 15.0 14.7 30.6 14.9 28.6 15.6 Strengthening Risk Discipline: Portfolio Improvements Offset by Selective Consumer Pressures
  • 28.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 28 Strong overall asset quality amidst Consumer sector weakness ASSET QUALITY Special Mention Loan by Segment (Bank Only) Loan at Risk by Segment – Bank Only Non-Performing Loan by Segment (Bank Only) Write Off & Recovery – Bank Only Segment Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Corporate 6.7% 5.6% 5.5% 4.6% 5.0% 4.1% 3.5% Medium 5.3% 5.4% 5.7% 3.9% 5.0% 5.6% 5.2% Small 4.6% 4.4% 3.8% 2.6% 3.7% 3.3% 2.9% Consumer 2.8% 2.6% 2.7% 2.1% 2.8% 2.9% 2.8% Total SML- % 5.5% 4.9% 4.8% 3.8% 4.5% 4.0% 3.6% Total SML- IDR Bn 37,774 35,075 34,740 29,235 33,446 30,644 28,649 Segment Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Corporate 13.8% 12.7% 12.2% 10.5% 11.0% 11.1% 10.5% Medium 17.8% 16.3% 16.1% 14.2% 15.4% 16.5% 14.4% Small 15.9% 15.1% 14.2% 11.6% 12.0% 11.0% 10.1% Consumer 6.7% 6.3% 6.2% 6.0% 6.7% 6.8% 7.2% Total LAR- % 13.3% 12.3% 11.8% 10.3% 10.9% 11.0% 10.4% Total LAR- IDR Bn 91,424 88,155 85,405 78,611 81,749 83,846 82,888 Segment Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Corporate 0.7% 1.0% 1.1% 0.7% 0.7% 1.1% 1.2% Medium 5.5% 4.5% 4.3% 5.2% 5.2% 3.8% 3.2% Small 3.9% 4.2% 4.3% 4.5% 4.3% 3.8% 3.6% Consumer 1.8% 1.6% 1.6% 1.9% 2.0% 2.1% 2.6% Total NPL- % 2.0% 2.0% 2.0% 2.0 2.0% 1.9% 2.0% Total NPL- IDR Bn 13.960 14,163 14,244 14,985 14,698 14,859 15,586 10,884 14,390 14,175 18,669 11,778 3,898 5,174 3,995 6,189 3,670 35.8% 36.0% 28.2% 33.2% 31.2% 2022 2023 9M24 2024 9M25 Write Off (Rp Bn) Recovery (Rp Bn) Recov. to Write Off Ratio
  • 29.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 29 Lower NPL & Write-Off reflect portfolio resilience ASSET QUALITY 57.8% 12.5% 14.8% 10.4% 3.7% 0.5% Before 2021 2021 2022 2023 2024 2025 76% of 9M25 NPL formation came from client origination before 2022 70% of the loan written off during 1H25 came from client origination before 2022 Fintech paylater & credit card only 66.3% 9.7% 11.2% 7.5% 5.1% 0.1% Before 2021 2021 2022 2023 2024 2025 IDR 12.4Tn 9M25 NPL Formation -9.7% YoY IDR 11.8Tn 9M25 Write Off -16.9% YoY Fintech paylater & credit card only
  • 30.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 30 Strong reserves & segmented trends underpin stable Credit Cost (bank only) ASSET QUALITY Provisioning for Loan (IDR Tn) Assigned Loan Loss Reserve by Coll & Stage Prov Charges for loan (net*) 38.3 26.6 34.7 11.8 5.8 Loan Provision - Dec 2024 Write Off 9M 2025 Loan Provision - after write off Provision Build Up Loan Provision - Sep 2025 Stage Sep-25 Amount (IDR Tn) LLR % Stage 1 706.2 0.6 Stage 2 66.0 22.6 Stage 3 24.3 63.5 All Stage 796.5 4.4 Collectability Sep-25 Amount (IDR Tn) LLR % Current – Normal 713.6 0.6 LaR 82.9 36.3 Current Restructured 38.7 18.1 Collectability 2 (SML) 28.6 48.0 NPL 15.6 60.2 All Collectability 796.5 4.4 Notes: Figures are on bank only basis. 1) LAR ratio = Special Mention loans + NPL + Total Current Restructured Loans 2) NPL Coverage Ratio = Allowance for Impairment Losses divided by NPL amount. 3) LAR Coverage Ratio = Allowance for Impairment Losses divided by LAR amount NPL % NPL Coverage % LAR % LAR Coverage % 2.0 284.2 11.8 47.4 Sep-24 Sep-25 2.0 222.7 10.4 41.9 CoC by Segment Segment 4Q-24 1Q-25 2Q-25 3Q-25 9M-24 9M-25 Corporate 1.6% -0.4% -0.6% 0.2% -0.9% -0.3% Medium 2.3% 1.1% 2.6% 2.1% 2.7% 1.9% Small 2.8% 5.3% 4.5% 3.5% 6.2% 4.4% Consumer -0.2% 2.5% 3.0% 2.0% 2.4% 2.5% CoC % - Bank wide 1.5% 0.9% 1.0% 1.1% 1.0% 1.0%
  • 31.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 31 LAR, NPL & Provision Coverage trend ASSET QUALITY LAR & LAR Coverage Ratio NPL & NPL Coverage Ratio Notes: Figures are on bank only basis. 1) LAR ratio = Special Mention loans + NPL + Total Current Restructured Loans 2) NPL Coverage Ratio = Allowance for Impairment Losses divided by NPL amount. 3) LAR Coverage Ratio = Allowance for Impairment Losses divided by LAR amount 34% 27% 37% 49% 53% 47% 49% 47% 43% 42% Avg 2017- 2019 Dec-20 Dec-21 Dec-22 Dec-23 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 LAR Coverage LAR Ratio 145% 182% 233% 278% 319% 284% 256% 263% 243% 223% Avg 2017- 2019 Dec-20 Dec-21 Dec-22 Dec-23 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 NPL Coverage Ratio NPL ratio 9.1% 28.7% 23.3% 16.0% 12.9% 11.8% 10.3% 10.9% 11.0% 10.4% 2.2% 4.3% 3.7% 2.8% 2.1% 2.0% 2.0% 2.0% 1.9% 2.0%
  • 32.
    BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 32 Digital Initiatives
  • 33.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 33 We’re exceeding on every customer touch points DIGITAL INITIATIVES We are aiming to enhance digital solutions for all customers’ needs, rather than focusing on a specific product. IDR 380 Tn ▼ 12.5% 13,398 688 Mn ▼ 6.4% IDR 2.71 Tn ▼ 62.7% 550 Mn ▼ 2.5% IDR 8.9 Tn ▼ 40.9% 3.9Mn ▼ 52.4% IDR 105.3 Tn ▲ 28.3% 805+ 14.4 mn ▲ 8.7% IDR 2,486 Bn ▲ 24.7% IDR 8,080 Tn ▲ 26.7% 1,061 Mn ▲ 14.8% 79.8 Mn ▲ 37.2% 226k+ ▲ 9.1% 2,000++ Total Trx Value IDR 1.886 Tn ▲ 64% yoy Total No of Trx 1.72 Bn ▲ 58% yoy E-Channel Mobile Banking Branchless Banking BNI Open API Ecosystem TapCash 280 IDR 43.4 Tn ▲ 19.5% IDR 783 Tn 866 Mn Has been continue to gain steady traction and encouraging users to do transactions. ▲ 16x All key features have been fully migrated to wondr by BNI ▲ 16x Business Merchant
  • 34.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 34 User Acquisition Growth via All Mobile Banking channel Growth User Base of wondr by BNI Growth Transaction in all Mobile Banking channel Mobile Banking users drives low-cost fund consistently Driving the business of retail customers with the new breed of mobile banking Outstanding Banking Transformation of The Year The Most Innovated and Creative Communication Strategy Product and business Model Category, Super Apps wondr by BNI International Design Award 2025 Ratings 4,9/5,0 Ratings 4,8/5,0 Registered users wondr by BNI (in Mn) YtD New CIF acquisition via mobile banking (thousand) 2.8 5.3 6.8 8.6 10.5 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 1,364 1,834 Sep-24 Sep-25 34% YoY Savings account balance in mobile banking channel (IDR Tn) Average saving balance of new users with wondr is higher which contributes more to savings account balance. 157 184 Sep-24 Sep-25 17% YoY wondr multicurrency DIGITAL INITIATIVES 275% 1,151 1,886 9M24 9M25 Transaction value in all mobile banking channel (IDR Tn) 64% YoY of active users in wondr transact more than 6x per month 67%
  • 35.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 35 1.4.0 is here to enable people to go global What wondr have done so far… DIGITAL INITIATIVES From global transactions to smart investments, wondr by BNI empowers users to bank seamlessly, anytime and anywhere. More features to come, driving growth in Saving Balance, Transactions and optimizing productivity in-branch service New wealth integration for stock and gold buying and selling services Segment upgrade for High Net Worth Users Intelligent Branch Services Integration for more seamless banking experience More cross border transactions enablement More Event Ticket from Lifestyle feature Everyday Banking New Era of Seamless Banking • Domestic and overseas transfer • Time deposits • Bill payment, virtual account, QRIS, e-wallet • Mutual funds • Personal Finance Management • Integrated portfolio • Cardless transactions • Credit Card installment • Enhanced Personal Finance Management • Buy trains and BNI Java Jazz Tickets • Tax report Elevating Financial Growth • wondr multicurrency • QRIS cross border • Auto-invest mutual fund • Payroll Registration • Increase limit credit card • Pension fund • Debit card tracking and activation • BNI Finance Integration • Life Goals Term Savings • Time deposits USD and SGD • Foreign exchange • Lifestyle • Open investment account • Government Bonds All BNI Mobile Banking Features migrated Jul 2024 Feb 2025 Jul – Sep 2025
  • 36.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 36 Solid Digital Solutions for Business Banking Clients BNI Open API BNI API 280 services (approved by regulator), the most compared to peers Utilized by 2.000++ partners Global Recognition d i g i t a l s e r v i c e s . b n i . c o . i d We Optimize All Three Possible Roles in Every Ecosystem Presenting comprehensive offer of the ecosystem through a platform Provides services to partners so they can potentiate their products Using partner’s platform as a channel to sell bank’s products Partner with e-commerce, lifestyle companies to sell funding and lending products Customize bundled solutions into new products in collaboration with partners Providing integrated holistic solutions, such as government, education, health, commerce Optimizing API to BNI’s Core Operational Digitized stamp for contract documents valued more than IDR 5 Million Smart & secure contract stamps to prevent fraud Quick & Simple fund transfer API provided by Bank Indonesia BNI is one of 20 BI Fast Sponsor Bank POWERED BY : POWERED BY* : Best Banking API Solution in Indonesia 2023 Indonesia Domestic API Initiatives of The Year 2024 DIGITAL INITIATIVES
  • 37.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 37 Harnessing the power of integrated wholesale banking solution # of Transactions (in Mn) Transaction Value (IDR Tn) Number of Users (in 000) Ample room for growth BNIdirect • Strong penetration rate in Corporate clients: 75% of total transaction value comes from Corporate Clients • Corporate Clients’ transaction value increased by 29% YoY Payment Management Liquidity Management Value Chain Management Open Banking Solution receivables DIGITAL INITIATIVES 174.0 213.4 Sep-24 Sep-25 22.7% YoY 6,377 8,080 9M24 9M25 26.7% YoY 924 1,061 9M24 9M25 14.8% YoY
  • 38.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 38 # of Transactions at Agen46 by Type Chargeable Transactions at Agents Continues to Increase as Literacy Improves 17.9k Agents are in Frontier, Remote and Disadvantaged Areas 8.8k 5k 4.1k 12% 14% 32% 59% 85% 92% 69% 61% 2020 2021 2022 2023 2024 1Q-2025 1H-2025 9M-25 % chargeable transaction to total transaction in Agen46 79.8 Million 9M-25 Solid Contribution to Financial Inclusion Empowering Agents with Powerful Mobile Agent App User Friendly More Additional Features, Promo & Information Linked to BNI Digital Loan e-Form (KUR Mikro) Realtime Sharing Fee for Agents Plenty Bill payment Services Financial Report Transaction Online Account Opening, Cash Withdrawal & Deposit +9.1% YoY Spread Across: • Online Account Opening • Money Transfer • Government Subsidy • KUR Loan referrals • Cash Withdrawal and Deposit • Tax and Bill Payment Grocery store, bundled with all-in-one financial services of Agen46 • Increase Customer Traffic • Commission-based income for facilitated transactions 226K Agents DIGITAL INITIATIVES 29% 37% 8% 5% 21% Cash Withdrawal Inquiry Saldo BNI Transfer Cash Deposit Others (Inc. Top Up E-Wallet, Interbank Transfer) Branchless Banking
  • 39.
    BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 39 Business & Consumer Banking
  • 40.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 40 High quality growth on business banking Business Banking (IDR Tn) Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Growth (%) Comp (%) NPL (%) QoQ YoY Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Manufacturing 144.7 154.9 147.7 147.0 150.3 2.3% 3.9% 23.3% 3.8 3.0 3.0 3.8 3.2% Trading, Restaurant & Hotel 109.9 111.6 109.3 107.1 118.0 10.2% 7.4% 18.3% 2.5 3.5 3.3 3.1 3.6% Transport, Warehouse & Communications 55.3 61.6 55.5 60.9 62.8 3.0% 13.6% 9.7% 1.3 2.6 2.8 1.9 1.8% Infrastructure 55.0 55.5 57.4 62.6 62.0 -0.9% 12.6% 9.6% 1.0 0.8 0.8 1.1 0.8% Natural Resources 49.6 51.2 51.4 50.8 59.8 17.7% 20.5% 9.3% 0.1 0.1 0.1 0.2 0.2% Business Services 45.9 50.9 55.2 53.8 54.5 1.2% 18.8% 8.4% 1.4 1.1 1.3 0.8 0.6% Social Services 37.0 46.2 44.2 46.7 48.3 3.4% 30.8% 7.5% 0.8 0.5 0.2 0.2 0.5% Agriculture 51.5 48.0 45.6 46.1 48.2 4.7% -6.3% 7.5% 2.6 1.7 1.7 0.7 0.7% Electricity, Gas & Water 28.9 31.5 33.0 34.2 35.5 3.6% 22.8% 5.5% 0.1 0.1 0.1 0.0 0.0% Others 5.2 5.7 4.2 5.3 5.2 -1.7% -0.5% 0.8% 0.7 0.9 1.3 2.6 2.5% Total 582.9 617.1 603.7 614.5 644.6 4.9% 10.6% 100.0% 2.1 2.0 2.0 1.9 1.8% 55.3 61.6 55.5 60.9 62.8 1.3% 2.6% 2.8% 1.9% 1.8% 0.0% 5.0% 10.0% - 10.0 20.0 30.0 40.0 50.0 60.0 70.0 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Amount NPL Transport, Warehouse & Communications Trading, Restaurant, Hotel Manufacturing 109.9 111.6 109.3 107.1 118.0 2.5% 3.5% 3.3% 3.1% 3.6% 0.0% 5.0% 10.0% 10.0 30.0 50.0 70.0 90.0 110.0 130.0 150.0 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Amount NPL 144.7 154.9 147.7 147.0 150.3 3.8% 3.0% 3.0% 3.8% 3.2% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Amount NPL
  • 41.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 41 Consumer business Ample Room for Growth of Payroll Loan 4,494 4,669 5,080 5,336 352 358 365 372 Dec-24 Mar-25 Jun-25 Sep-25 Number of Payroll Account [Thousand] Number of Payroll Loan Account [Thousand] Personal Loan Debtors Composition Sep-25 NPL Movement - % Product (IDR Tn) Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Growth YoY Comp (%) NPL (%) Sep-24 Sep-25 Mortgage 63.8 66.5 67.6 68.4 69.8 9.4 46.5 2.3 3.5 Personal Loan 55.9 58.0 59.3 60.1 61.4 9.9 40.9 0.8 1.3 Payroll Loan 52.3 54.4 55.6 56.6 58.2 11.4 38.8 0.8 1.3 Fintech Paylater 3.6 3.6 3.7 3.5 3.2 -11.6 2.1 1.8 2.5 Credit Card 14.6 15.0 14.9 15.4 16.0 9.1 10.6 1.8 3.1 Others 2.7 3.0 3.1 3.1 3.1 12.0 2.0 0.4 3.6 Total 137.0 142.5 144.9 147.0 150.2 9.6 100.0 1.6 2.6 2.9 2.6 2.6 2.2 2.3 2.6 2.9 3.0 3.5 0.9 0.8 0.8 0.8 0.8 1.0 1.0 1.0 1.3 1.7 1.7 1.7 1.8 1.8 2.4 2.5 2.5 3.1 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Mortgage Personal Loan Credit Card 35.8% 41.9% 11.7% 3.7% 5.2%1.6% Government Related SOE Private Companies Universities Fintech Others IDR 61.4 Tn
  • 42.
    BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 42 ESG
  • 43.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 43 BNI Strong Commitment to Sustainability ESG BNI’s Five Pillars of Sustainability, Aligning Business to UN SDGs BNI FOR INDONESIA Running the company’s business by integrating economic, social, environmental and governance aspects. BNI FOR CUSTOMERS Providing excellent services, digital solutions, security, and privacy protection for all customers. BNI FOR THE ENVIRONMENT Improving environmental quality in line with business development. BNI FOR THE COMMUNITY Increasing awareness and responsibility to all levels of society in line with business development. BNI FOR EMPLOYEES Providing the best conditions for employees as a place of pride for work and accomplishment. First Mover and Consistently Taking a Role in Shaping Sustainable Practices • Green financing enhancement, achieving approximately 10% of the bank’s total loans • Implementing the Indonesian Sustainable Finance Taxonomy (TKBI) for borrowers in the energy sector. • Strengthening ESG aspects on the Risk Acceptance Criteria (RAC) by adding aspects of human rights and occupational health & safety, as well as mitigation and climate change adaptation in borrowers’ operations. • Enlarging RAC coverage from 18 sectors to 22 sectors. Demonstrating continuous progress • Reinforcement of GHG reduction commitment with an NZE roadmap targeting operational NZE by 2028 and financing NZE by 2060. • Integrating ESG risk management into Risk Acceptance Criteria (RAC) across various industry sectors. • Adapting International ESG Reporting Standards (GRI, SASB, SUSBA, ACGS). • BNI holds a single A MSCI ESG Rating, highlighting its strong governance standards, sound business ethics, and enhanced management of ESG-related risks in credit underwriting. The bank also maintains a Medium Risk classification under the Sustainalytics ESG Risk Rating.. Commitment to participate in the green transition & climate action Responsible Business Operations • Respectable Good Corporate Governance practices. • Fair operating, human rights, and labor practices. • Zero data breach with high standard of customer data privacy and security protection. • Zero tolerance for fraud and financial crimes. • Effective CSR Program.
  • 44.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 44 Driving Climate Resilience & Net Zero Goals as the Commitment to Sustainable Finance ESG Conducting climate-related financial risk management by referring to international standards. Achieving Operation NZE (Net Zero Emission) by 2028 and Financing NZE by 2060 Governance reinforcement in ESG loans Increasing employee’s awareness & capabilities Sharpening ESG disclosure ESG Framework E G S Increasing employee engagement Employee capability enhancement Strengthening customer data and financial protection Increasing diversity in Board level Strengthening Board’s engagement on ESG Short Term Focus (2024) Medium Term Focus (2024-2026) Long Term Focus (≥2027) • Strengthening infrastructure • Establishing Net Zero Emission roadmap and Carbon Budget • Strengthening debtors’ Risk Acceptance Criteria (RAC) • Strengthening infrastructure for climate change risk management • Strengthening Board’s engagement on ESG • Optimizing data loss prevention Implementation of climate change risk management in bank operations Strengthening Climate Resilience Through CRST Implementation Environment Social Governance KEY INITIATIVES ▪ Referring to the CRMS guidelines published by OJK and NGFS ▪ Engagement with debtors in providing emission data for climate risk assessments ▪ Strengthening ESG governance and capacity-building. ▪ Developing CRST (Climate Risk Stress Test) tools to assess climate risks on financial performance and overall bank health. ▪ CRST is a key part of BNI’s Climate Risk Management Strategy (CRMS). ▪ Started in 2024, BNI conducted CRST to assess climate-related risks, both physical risks and transition risks that could impact a bank’s financial resilience ▪ In August 2025, BNI has completed its assessment by achieving 100% of its productive loan portfolio and mortgage. ▪ Electricity and gas are the most vulnerable sectors; agriculture, forestry, and fisheries face notable physical risks. BNI supports the OJK’s launch of CRMS (Climate Risk Management & Scenario Analysis) as part of its commitment to Indonesia’s NZE 2060 and alignment with IFRS S1 and S2.
  • 45.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 45 BNI's Green Bond: 100% Proceed Allocation, Measurable Environmental Benefits Green Bond Framework As the first Rupiah-denominated green bond, BNI established a Green Bond Framework and obtained a Second-Party Opinion (SPO) from Sustainalytics. Proceeds are exclusively allocated to finance/ refinance "Eligible Green Projects" in line with Green Bond Principles and meeting at least one of the specified environmental categories: Renewable Energy Energy Efficiency Waste to Energy and Waste Management Sustainable Natural Resources and Land Use Sustainable Transportation Sustainable Water and Wastewater Management Climate Change Adaptation Green Buildings Sustainable Agriculture Terrestrial and Aquatic Biodiversity Conservation Summary of 2022 Green Bond Issuance Use of Proceeds 53% 8% 18% As of Dec-24, 100% of green bond proceeds have been allocated to projects selected through BNI’s criteria and reviewed by the ESG Committee. Sectoral distribution of the proceeds 8% 13% IDR 4.4Tn IDR 5.0Tn 100% Environmental & Social Impacts Categories Environmental Impact Alignment with SDGs *) BNI Green Bond Report 2025 can be accessed on https://www.bni.co.id/Portals/1/BNI/Perusahaan/ESG/Docs/Report-Green-Bond-BNI-2025-EN.pdf IDR 5.0Tn (100% of procced) 40.1% 46.5% 6.1% 1.7% 5.6% 1,626,666 (tCO2eq/year) Avoided GHG Em ission per year 1,771,833 (M W h/year) Energy produced per year 23,741 (tCO2eq/year) Avoided GHG Em ission per year 341,019 Gj Energy saving per year 7,869 (tCO2eq/year) Avoided GHG Em ission per year 249,976 (tCO2eq/year) Avoided GHG Em ission per year 1,543,090 (Tonne/year) Total waste recycled 626,342 (tCO2eq/year) Avoided GHG Em ission per year 55,899 (Trees) Total trees planted in reforestation projects 314 ,387 (Ha) Total hectares protected and/or certifi ed Rating A Series : June 21, 2025 B Series : June 21, 2027 idAAA (PEFINDO) IDR 5 tn A Series: 3 years Term 6.35% amount of IDR 4tn B Series: 5 years Term 6.85% amount of IDR 1tn Total Issuance Maturity Date ESG
  • 46.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 46 BNI’s Sustainability Bond: Driving Change with Purpose Issuance Structure 83% 16% 1% 72% 28% 0% Series A IDR 3.5 Tn Series B IDR 1.5 Tn Bank Non-Bank Retail ESG Eligible Project Sectors Investor by Category Amount Tenure Rating Collateral Coupon IDR 5.0 Tn IdAAA by PT Pemeringkat Efek Indonesia Clean basis Series A : 3 years Series B : 5 years Series A : 6.60% Series B : 6.65% Coupon Payment Quarterly (30/360) Basic Infrastructure Services Essential Services Access Food Security & Sustainable Food System MSME Financing Affordable Housing Socioeconomic Enhancement & Empowerment Social Projects (70% of Allocation) Renewable Energy Energy Efficiency Waste to Energy and Waste Management Sustainable Natural Resources and Land Use Sustainable Transportation Climate Change Adaptation Green Buildings Terrestrial and Aquatic Biodiversity Conservation Sustainable Water and Wastewater Management Green Projects (30% of Allocation) Bond Framework Use of Proceeds ➢ Applies to existing and new facilities. ➢ Lookback period: up to 3 years Management of Proceeds ➢ Managed transparently and accountably. ➢ Tracking: ESG team records proceeds per eligible projects. ➢ Monitoring: Ensures compliance with the framework. ➢ Unallocated Proceeds: Held in liquidity instruments until deployment. Project Evaluation & Selection ➢ Proposal by Business Units. ➢ Eligibility Review by Enterprise Risk Management ➢ Approval by ESG Sub- Committee. ➢ Ensure regulatory and framework alignment Reporting & Disclosure Annual reporting includes: ➢ Allocation Report: Project count, financing amount, and undisbursed proceeds. ➢ Impact Report: Project types and measurable impact indicators. Confirmed by Sustainalytics as credible and impactful, fully aligned with ICMA and ASEAN Sustainability Bond standards.
  • 47.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 47 Promoting Sustainability Linked Loan (SLL) on top of Sustainable Portfolio SPT (Sustainable Performance Target) Loan disbursement under SLL scheme Sector First Sustainability-Linked Loans (SLL) are gaining more interest Renewable Energy IDR 12.1 Tn Financing to hydro, solar & biogas power plant Environmentally sustainable management of living natural resources and land use IDR 37.3 Tn Pollution Prevention IDR 3.8 Tn Others (Sustainable water and wastewater management, etc.) IDR 23.5 Tn Sosioeconomic Advancement & Empowerment IDR 115.7 Tn Financing and empowerment program towards micro & SME * Sustainable portfolio is loan to business sectors that meet The Sustainable Business Activities Category (KKUB) requirements by OJK Sustainable portfolio* IDR 192.4 Tn or 24% of total loan (bank only) consists of socioeconomic empowerment and green financing Robust 4-Year Growth in Green Loans, Surpassing 20% IDR Tn ESG Agrifood Manufacture Cement Manufacture Steel Manufacture Packaging Manufacture Coal-Derivative Manufacture Petrochemical Industry Minimizing the impact of water pollution Achieving specific CO2 emissions Improvement of ESG scoring on annual basis Reducing emissions, recycling resin and gender equality Reducing GHG emissions, increasing employee training program Reducing GHG emission intensity across refinery and chemical operations ~ USD 412 Mn in total CAGR 22.3% 113.8 117.0 123.2 113.2 117.1 115.7 29.5 55.4 59.7 67.9 73.4 76.7 Dec 20 Dec 21 Dec 22 Dec 23 Dec 24 Sep 25 Social Green
  • 48.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 48 Sector Guides of Responsible Financing Coal Agriculture – Palm Oil BNI Credit Policy * sustainable portfolio is loan to business sectors that meet the requirements of The Sustainable Business Activities Category (KKUB) of OJK Illegal logging Forced labor, child exploitation, human rights violation Narcotics productions & trading Weapons Destroying world heritage sites Trading protected animals Violating the rights of local community Gambling & money laundering Prohibited by the government Politically Exposed Person (PEP) No Exposure in The palm oil sector guide applies to all palm oil plantations, crude palm oil mills, palm oil refiners, and traders The coal financing guide applies to coal mining and its supporting business (trader and heavy equipment suppliers) Committed to implementing the No Deforestation, No Peat, and No Exploitation (NDPE) policy Obligations to fulfill a mandatory business permits: Plantation Business Permit (IUP), Cultivation Business License (IUP-B), Plantation Business Registration (IUP-P), Plantation Business Registration (SPUP) We require new palm oil debtors to have RSPO or ISPO, and request customers to achieve full RSPO certification within a timeframe in order to expand their target market. For Medium segment, requirement for ISPO is applied as affirmative covenant. the fulfilment of which will be monitored regularly by RM and become subject to periodic internal audit Have strategies to reduce negative impacts on the environment and social Financing to coal mining is strictly for Top Tier Corporates with good ESG practices Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) Debtors have at least a Blue PROPER (Environmental Performance Rating) from the Ministry of Environment Life and Forestry Debtors agree to comply with the loan agreement clause that they will comply with all applicable environmental regulations and required documentations. The failure to satisfy it will impact loan continuity Have strategies to reduce negative impacts on the environment and social There is no forced labor or employment of minors ESG COAL LOAN BREAKDOWN % COAL TO TOTAL LOAN (BANK ONLY) Coal Mining & Trading % PALM OIL TO TOTAL LOAN (BANK ONLY) % PALM OIL PORTFOLIO WITH RSPO AND / OR ISPO* PALM OIL LOAN BREAKDOWN Palm Oil Plantation Refinery & Palm Oil Mill Trading RSPO and/ or ISPO Certified Coal Others Coal Related Manufacture Briquette Industry In the certification process Others 8.5% 91.5% 59.5% 39.8% 0.7% 82% 18% 4.2% 95.8% 97.8% 2.2% 0.03%
  • 49.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 49 Best-in-class governance becomes corporate priority Top Management Good Corporate Governance practices The Board of Commissioners All Committees under BOC are chaired by an independent commissioner Audit Committee Risk Monitoring Committee Nomination & Remuneration Committee Integrated Governance Committee The Board of Directors BNI fosters and supports the principles of diversity, equality and non-discrimination 23% (3 out of 13) BOD are female All BOD members are independent from the controlling shareholder BOD distribution by age by Sep-25 <50 years old 50 - 55 >55 years old 23% 38.5% 38.5% ESG Predicate as a “Leadership in Corporate Governance” Based on the 2025 ASEAN Corporate Governance Scorecard (ACGS) standard from the Indonesia Institute for Corporate Directorship (IICD), Protection of minority shareholders and initiatives to foster their involvement ISO 37001:2016 Concerning Anti Bribery Management System BNI Code of Ethics Annual Declaration Training/Socialization Whistleblowing System Respectful Working Place BNI has issued regulation in the company guideline regarding the implementation of Respectful Workplace (RWP) which aims to create a safe comfortable work environment, respect and protect human dignity prioritize mutual respect, free from discrimination, exclusion or restrictions, bullying and harassment and various form of violence, both mental, and physical for all employees 3 out of 5 are independent commissioners 20% (1 out of 5) BOC are female
  • 50.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 50 Embodying sustainability culture Employee Diversity Empowering Women in Top Management Product/ Services with Environmental Impact Green Office Culture Gender Age Note: 1. Top Management defines as AVP, VP, SVP, EVP, and SEVP Level. 2. All figures stated as of Sep 2025 with the total number of full-time employees: 27,069. 3. The recruitment, compensation, and career advancement policies of the bank make no distinctions based on ethnicity, religion, race, gender, or physical disability. United Nations Environment Programme Finance Initiatives (UNEP FI) Member Association membership • Green Building Certification by the Green Building Council Indonesia (GBCI) with Gold Certification for Menara BNI and Platinum Certification for Plaza BNI, as well as Green Building LEED Certification on progress for BNI Building in PIK2. • Wastewater management systems have been implemented in the headquarters, including wastewater recycling into flushing and water plants. • Solar panel installation for the emergency exit in Plaza BNI and BNI Building PIK2. • Adopting a paperless office administration system (E-Office) • Green campaign through various media Indonesia Sustainable Finance Initiatives (IKBI) Founder/Member Indonesia Business Council for Sustainable Development (IBCSD) Founder/Member Indonesia Green Building Council (GBCI) Member Indonesia Human Capital Forum (FHCI) Member 2,586 units of ATM for Disabilities Equipped with voice services and braille to help people with visual and physical disabilities BNI WWF Affinity Card Cardholders can participate in funding conservation activities through a sharing fee of 0.4% from each retail transaction. BNI Amex Vibe Card Targeting youth segment, With card using recycled materials BNI UMKM Ramah Lingkungan (BUMI) BNI Jejak Kopi Khatulistiwa (JKK) BNI encourages MSMEs to be more green in their operational. As of Sep-2025, BNI has distributed IDR 29.0 Bn to119 MSMEs in the craft industry sector. Aiming to boost financial inclusion, build a green economy ecosystem and prepare coffee farmers for global markets. As of Sep 2025, BNI has distributed IDR 45.1 Bn to 348 coffee farmers. Gender Women 31% Men 69% Women 52% Men 48% <25 3% 25-29 18% 30-34 22% 35-40 26% 41-50 21% >50 8% ESG
  • 51.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 51 IT & Digital Risk Management Framework IT Security Governance Centers on Three Pillars Establishment of CISO (Chief Information Security Officer) As a systemic bank, BNI put heavy emphasis on IT & Digital Risk Management PEOPLE ▪ Security Policy ▪ Security Awareness to employees & customers ▪ Attack Simulation to employees ▪ Dedicated Cybersecurity Staff PROCESS ▪ Security Assessment ▪ Cybersecurity Operation & Threat Management ▪ Penetration Testing & Vulnerability Assessment ▪ Threat Intelligence TECHNOLOGY Cybersecurity & Data Protections Multi-layer security on the infrastructure and network (firewall, IPS, WAF, Database Monitoring, multisite datacenter, DRC), application (Multi-factor Authentication, Encryption, Secure Software Development Life Cycle, Mobile Application Protection), end-point protection (Data Loss Prevention, Endpoint Detection & Response, Antivirus, Hardening, USB Port blocking) and secure data transmission mechanism (data encryption, secured Global File Exchange system, Secure File Transfer Protocol/SFTP, Virtual Private Network/VPN, Secure Hypertext Transfer Protocol/HTTPs) to protect the customer data from cyber threat. User Access Management Identity access management (IAM), Single-sign on (SSO), Privileged access management (PAM), Active directory for end-point access security. Collaborating with official state bodies (BI, OJK and BSSN), security device principals and other communities to obtain information on threats and weaknesses, the latest technology and products, as well as support when incidents occur Standard & Best Practice Strategic Partner Information Technology Director SEVP IT IT Strategy & Architecture CISO AI & Big Data Analytics Wholesale Digital Delivery Retail Digital Delivery Application Development IT Application Services IT Infrastructure Management SORX* Technology, Digital & Operations *) SORX: Senior Operational Risk Executive GOVERNANCE PROTECTION OPERATION Security awareness Information security provisions Organizational capabilities Multi-layer defense mechanism Penetration testing Incident management & forensics 24x7 Security Operation Center (SOC) Threat intelligence User access management ESG
  • 52.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 52 External Recognition of Our Best-in-Class ESG Practices *Based on the 2022 ASEAN Corporate Governance Scorecard (ACGS) standard from the Indonesia Institute for Corporate Directorship (IICD) MSCI ESG Rating Sustainalytics Joint Consumer Protection Movement BI 2024 Asia Sustainability Reporting Awards (ASRA) 2024 Asia Sustainability Reporting Rating 2024 (ASRRAT) ASEAN Corporate Governance Scorecard (ACGS) 2025 Corporate Governance Perception Index (CGPI) Award 2024 IDX ESG Leader Index 1 of 30 Public Company Listed SRI (KEHATI) Index Constituent of Sustainable Investment INDONESIAN BIODIVERSITY FOUNDATION Period: June 2025 – November 2025 IDX ESG star-listed companies: https://esg.idx.co.id/ Period: June 2025 – November 2025 Last Report: 25 June 2025 MSCI ESG RATINGS A CCC B BB BBB A AA AAA Asia’s Best Sustainability Report - Bronze 6 March 2025 Last Update: 30 July 2025 Negl Low High Severe Med. 0-10 10-20 20-30 30-40 40+ 21.3 ESG Risk Rating Medium Risk Ranking INDUSTRY GROUP Banks UNIVERSE Global Universe 323 out of 1,026 4,744 out of 14,744 15 September 2025 ASEAN Asset Class 2025 Leadership in Corporate Governance The Most Trusted Company 25 November 2024 16 December 2024 Contributor to the Joint Consumer Protection Movement BI 2024 Asia Sustainability Report Rating (ASRRAT) 2024 - Gold 21 November 2024 ESG
  • 53.
    BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 53 About BNI
  • 54.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 54 Board of Commissioner (BoC) Note: *Mr. Suminto (former Commissioner) concluded his term on October 8, 2025, upon his appointment as LPS Commissioner ex-officio from the Ministry of Finance. His termination will be ratified at the next General Meeting of Shareholders. **Effective since October 16, 2025 (OJK Fit & Proper Test Approval) DONNY HUTABARAT COMMISSIONER** ▪ Head of the Financial Market Development Department, Bank Indonesia (2020 – 2025) ▪ Member of the Market Committee of the Bank for International Settlements (MC-BIS) (2020 – 2025) ▪ Head of Bank Indonesia London Representative Office, Bank Indonesia (2017 – 2020) OMAR SJAWALDY ANWAR PRESIDENT COMMISSIONER/INDEPENDENT COMMISSIONER TEDI BHARATA VICE PRESIDENT COMMISSIONER ▪ Deputy Head, State-Owned Enterprises Regulatory Body (BP BUMN) (2025 – Present) ▪ Deputy for Human Resources, Technology, and Information, Ministry of State-Owned Enterprises (2021 – 2025) ▪ Commissioner, Bank Mandiri (Persero) Tbk. (2024 – 2025) ▪ Executive Chairman, IBM Indonesia Technology (2023 – Present) ▪ President Director, Prudential Syariah Life Assurance (2021 – 2023) ▪ President Director, Aberdeen Standard Investments Indonesia (2018 – 2021) DIDIK JUNAIDI RACHBINI INDEPENDENT COMMISSIONER ▪ Rector, Paramadina University (2021 – present) ▪ Chairman of the Supervisory Board, Foundation for Economic and Financial Development Institute (LPEK) INDEF (1996 – present) ▪ Chairman of the Executive Board, Lembaga Penelitian, Pendidikan dan Penerangan Ekonomi dan Sosial (LP3ES) (2018 – 2022) VERA FEBYANTHY INDEPENDENT COMMISSIONER ▪ Member of Commission XI of the House of Representatives of the Republic of Indonesia (2019 – 2024 term) ▪ Member of Commission XI of the House of Representatives of the Republic of Indonesia (2009 – 2014 term) SUMINTO COMMISSIONER* ▪ Director General of Budget Financing and Risk Ministry of Finance ▪ Governor at the OPEC Fund for International Development
  • 55.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 55 Board of Director (BoD) ALEXANDRA ASKANDAR Deputy President Director ▪ Deputy President Director, Bank Mandiri (2020 – 2025) ▪ Corporate Banking Director, Bank Mandiri (2019 – 2020) ▪ Institutional Banking Director, Bank Mandiri (2018 – 2019) ABU SANTOSA SUDRADJAT Treasury & International Bankingrector ▪ SEVP International Banking & Financial Institutions, Bank Mandiri (2024 – 2025) ▪ GM Overseas & Singapore Branch, Bank Mandiri (2020 – 2024) ▪ Group Head Treasury, Bank Mandiri (2019 – 2020) RIAN ERIANA KASLAN Network and Retail Funding Director ▪ SEVP Retail Digital Solution, Bank Negara Indonesia (2021 – 2025) ▪ President Commissioner, PT BNI Modal Ventura (2022 – 2024) ▪ EVP Head of Digital Strategy & Delivery, Commonwealth Bank Indonesia (2006 – 2021) HUSSEIN PAOLO KARTADJOEMENA Finance & Strategy Director (CFO) DAVID PIRZADA Risk Management Director ▪ SEVP Wholesale Risk, Bank Mandiri (2018 – 2020) ▪ Country Chief Risk Officer, Bank of Tokyo Mitsubishi UFJ, Jakarta (2015 – 2018) ▪ Head of Risk Administration Department, The Bank of Tokyo Mitsubishi UFJ Ltd (2010) TOTO PRASETIO Information Technology Director RONNY VENIR Operations Director ▪ Network and Services Director, Bank Negara Indonesia (2020 – 2025) ▪ SEVP Network, Bank Negara Indonesia (2019 – 2020) ▪ SEVP Medium Business, Bank Negara Indonesia (2018 – 2019) AGUNG PRABOWO Corporate Banking Director ▪ Wholesale and International Banking Director, Bank Negara Indonesia (2024 – 2025) ▪ President Director, BNI Sekuritas (2021 – 2024) ▪ Managing Director, UBS Investment Bank (2013 – 2021) CORINA LEYLA KARNALIES Consumer Banking Director ▪ Retail Banking Director, Bank Negara Indonesia (2024 – 2025) ▪ Digital & Integrated Transaction Banking Director, Bank Negara Indonesia (2023 – 2024) ▪ Consumer Banking Director, Bank Negara Indonesia (2020 – 2023) ▪ Digital and Integrated Transaction Banking Director, Bank Negara Indonesia (2024 – 2025) ▪ President Commissioner, Hibank Indonesia (2023 – 2024) ▪ SEVP Corporate Development & Transformation, BNI (2020 – 2024) PUTRAMA WAHJU SETYAWAN President Director (CEO) ▪ Deputy President Director, Bank Negara Indonesia (2024 – 2025) ▪ Retail Banking Director, Bank Negara Indonesia (2023 – 2024) ▪ Treasury Director, Bank Negara Indonesia (2022 – 2023) EKO SETYO NUGROHO Institutional Banking Director ▪ Finance & Risk Management Director, Pupuk Iskandar Muda (2023 – 2025) ▪ Head of Distribution Network & Sales Division, Bank Negara Indonesia (2022) ▪ Head of Regional Office 14, Bank Negara Indonesia (2021) MUNADI HERLAMBANG Human Capital & Compliance Director* ▪ Institutional Banking Director, Bank Negara Indonesia (2024 – 2025) ▪ Institutional Relations Director, Jasa Raharja (2021 – 2024) ▪ Finance, Human Capital & Risk Management Director, Wijaya Karya Bitumen (2019 – 2021) MUHAMMAD IQBAL Commercial Banking Director ▪ SME and Retail Funding Director, Bank Tabungan Negara (2024 – 2025) ▪ Institutional Banking Director, Bank Negara Indonesia (2023 – 2024) ▪ Enterprise & Commercial Banking Director, Bank Negara Indonesia (2022 – 2023) *Effective upon OJK Fit & Proper Test Approval ▪ Technology and Operations Director, Bank Negara Indonesia (2023 – 2025) ▪ SEVP Information Technology, Bank Mandiri (2019 – 2022) ▪ Group Head IT Application Support, Bank Mandiri (2017 – 2019)
  • 56.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 56 Employees Outlets (KC, KCP, KK*) Consumer Loan Processing Center (LNC) Commercial Business Center (CMC) Retail Productive Business Center (RCC) ATM Branchless Banking Network and Distribution BNI has also entered into key arrangements with prominent companies for payment channelling, financing, loan distribution, and network/outlet development *As per POJK No.12/POJK.03/2021, KK is registered as KCP 270,977 Business Banking Debtors 268,032 Small Loan Debitor 2,351 Medium Loan Debtors 594 Corporate Debtors *Including overseas debtors 74.0 Funding Accounts million 26.6 Regular Saving Accounts million 250,860 Mortgage Customers 2.0 Credit Cards million Overseas Offices Singapore Nov 1955 Hongkong Apr 1963 Tokyo Sep 1969 New York Apr 1983 London Apr 1984 Osaka Dec 2012 Seoul Feb 2016 Amsterdam May 2022 Sydney Sep 2024 Corporate/SME Customer Highlights Individual Customer Highlights Sep-25 1,776 2024 1,780 2023 1,781 2022 1,808 2021 1,854 Sep-25 226,143 2024 213,370 2023 185,697 2022 164,979 2021 157,632 Sep-25 13,398 2024 13,388 2023 13,390 2022 16,125 2021 16,385 Sep-25 20 2024 20 2023 19 2022 23 2021 23 Sep-25 26 2024 26 2023 26 2022 27 2021 27 Sep-25 12 2024 12 2023 12 2022 12 2021 12 Sep-25 27.069 2024 27,203 2023 27,570 2022 27,170 2021 27,177
  • 57.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 57 E-Banking (Bank Only) Expanding the network of banking services to unbanked people through Agen46 Reliable Transaction Platform to Support The Cashless Society Branchless Banking 9M24 2024 9M25 YoY # Agent 207,228 213,370 226,143 9% Agent Fund (IDR Bn) 3,971 4,818 5,532 39% #Trx (Mn) 58.18 79.35 79,82 37% Volume (IDR Tn) 36.33 51.97 43,42 20% #Pandai Account (Th) 20,162 20.178 21.190 5% Pandai Fund (IDR Bn) 875 1,124 1,152 32% Electronic Money & Acquiring 9M24 2024 9M25 YoY BNI Tap Cash #Card (Th) 13,271 13,633 14,420 9% #Trx (Mn) 83 116 102 23% Volume (IDR Bn) 1,995 2,779 2,486 25% Acquiring (EDC + QRIS + Online Merchant) #Trx (Mn) 326 459 462 42% Volume (IDR Tn) 82 113 105 28% Mobile Banking is set to become the dominant banking channel for customers E-Channel 9M24 2024 9M25 YoY wondr and BNI Mobile Banking #User (Th) 17,929 23,433 27,896 35% #Trx (Mn) 1,041 1,574 1,724 58% Volume (IDR Tn) 1,104 1,687 1,885 64% SMS Banking #User (Th) 12,709 12,695 12,450 -2% #Trx (Mn) 474 688 550 -3% Volume (IDR Tn) 7 9 3 -63% Internet Banking #User (Th) 2,235 2,217 2,228 -0% #Trx (Mn) 8 10 4 -52% Volume (IDR Tn) 15 19 9 -41% ATM #Trx (Mn) 823 969 688 -6% Volume (IDR Tn) 434 567 380 -13%
  • 58.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 58 Consumer Finance SME Digital Bank Venture Capital Insurance Investment Manager Securities A one-stop shop for lifetime finance and business needs New car financing franchise, emerges as a market contender Dealer Partnership 1,400 Dealer Preparing an SME-Focused Digital Bank as Long-Term Growth Engine for The Group Number of Clients ~1.2 M CIF 17 May 2023 Rebranding as hibank to support the vision of becoming Indonesia's Leading MSME Digital Bank. 18 May 2022 Officially acquired PT Bank Mayora Catalyst between BNI's business groups and start-ups. 99.9% % BNI Ownership Strong Value Proposition as an Investment Manager that focuses on index mutual funds, environmentally friendly and fixed income. 99.9% % BNI Ownership (through BNI Sekuritas) #3 #9 31 4.9% Respected investment banking and securities brokerage services 75.0% % BNI Ownership #7 Empowering customer with Life Insurance Services 60.0% % BNI Ownership #9 Top Product Life Insurance with Endowment Benefit (Solusi Series, Hy End Pro, and Steady Protection) Large customer base for Bancassurance and Employee Benefits business. 99.9% 63.9% % BNI Ownership Brokerage and Investment Banking drive BNI Sekuritas’ performance amid highly challenging and volatile markets. Founded on April 2022 Obtained OJK license on January 2023 62% 36% 2% 0.4% Bancassurance Employee Benefit Agency Alternative Dist. 35% 45% 24% 27% 41% 28% 9M24 9M25 Others Investment Banking Brokerage ▲45% YoY (Rp12.3 T → Rp17.8 T) Total Deposit (Sep’24) (Sep’25) ▲23% YoY (Rp9.7 T → Rp11.9 T) Total Loan (Sep’24) (Sep’25) ▲0.02% YoY (2.9% → 2.9%) LaR (Sep’24) (Sep’25) Loan Portfolio Mix (%) 34% 66% SME Non SME Sep-25 Outstanding Joint Financing BNI – BNI Finance ▼4.7% YoY (Rp0.9 T → Rp0.9 T) (Sep’24) (Sep’25) ▲1.9% YoY (Rp4.5 T → Rp4.1 T) (Sep’24) (Sep’25) Total Asset ▲0.2% YoY (Rp5.9 T → Rp5.9 T) (Sep’24) (Sep’25) Total Financing
  • 59.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 59 Subsidiaries Contribution to BNI Group Group Structure Year of establishment Shares ownership MULTIFINANCE SECURITIES REMITTANCE 1983 99.99% 1995 75.00% LIFE INSURANCE 1996 60.00% 1996 100.00% ASSET MANAGEMEN T 2011 99.90% SECURITIES 2021 100.00% BANK 2022* 63.92% VENTURE CAPITAL 2022 99.98% Note: as of February 2021, the financial summary (report) is excluded BNI Syariah as a consolidated calculation. * Year of acquisition Note: - Total Contribution consist of Net Profit +Fee Income + Share Investments - Fee Income : Contribution of subsidiaries which is directly recorded as FBI in BNI (parent company) Total Asset (IDR Tn) 53.9 63.2 9M24 9M25 Net Profit (IDR Bn) Total Subs Contribution (IDR Bn) * 1,866.4 1,821.0 '9M24 '9M25 339.2 146.1 9M24 9M25
  • 60.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 60 Subsidiaries Highlighted Performances BNI Life Insurance* BNI Securities Consolidated hibank BNI Ventures Note: - *) Data 9M2025 using IFRS 17 EAT (IDR Bn) Asset (IDR Bn) Equity (IDR Bn) FBI contribution to BNI (IDR Bn) 512 514 528 507 508 516 2.9 0.4 0.3 9M2023 9M2024 9M2025 14,287 17,411 23,066 4,453 4,566 4,695 123.1 93.7 71.0 9M2023 9M2024 9M2025 2,408 5,862 5,876 507 848 686 -46.1 2.5 -150.0 2.3 2.0 1.0 9M2023 9M2024 9M2025 3,181 3,197 4,083 1,181 1,214 1,310 22.9 41.0 2.1 8.1 7.5 18.4 9M2023 9M2024 9M2025 24,723 26,702 29,448 6,211 6,570 6,131 213.7 202.7 224.0 308.3 291.3 306.1 9M2023 9M2024 9M2025
  • 61.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 61 Capital Ratios are well above minimum requirement (Bank Only) REGULATORY REQUIREMENT 13.80% Min. CAR based on Risk Profile + add buffers (valid until Feb-25) 9.80 % CAR based on Risk Profile (valid until Feb-25) 1.5% (Capital Surcharge on Systemic Bank) 9.95% CAR based on Risk Profile 19.0% 18.6% 19.5% 18.4% 18.5% 1.3% 1.4% 1.4% 1.4% 1.4% 1.5% 1.4% 1.4% 1.3% 1.3% Sep 24 Dec 24 Mar 25 Jun 25 Sep 25 CET 1 AT 1 Tier 2 CAR 21.8% 21.4% 22.3% 13.95% (starting from Mar-25) (starting from Mar-25) 2.5% (Capital Conservation Buffer) 21.1% 21.1%
  • 62.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 62 Risk Weighted Asset (Bank Only – IDR Tn) Sep-24 Dec-24 Sep-25 RWA - Credit Risk 631.2 660.2 692.7 RWA - Market Risk 11.0 14.2 10.2 RWA - Operational Risk 37.4 37.4 40.4 Total RWA 679.6 711.8 743.3 Total Capital 148.4 152.3 156.7 CAR - % 21.8 21.4 21.1 BBNI Capital Realization Risk Weighted Asset (Bank Only – IDR Tn) BBNI Capital Realization Sep-24 Dec-24 Sep-25 Common Equity Tier I Capital (%) Minimum Requirement 10.3 10.3 10.5 BNI Realization 19.0 18.6 18.5 Tier I Capital (%) Minimum Requirement 11.8 11.8 12.0 BNI Realization 20.3 20.0 19.8 Total CAR Based on Risk Profile + Add Buffers (%) 1. BNI Risk Profile (Rating 2 Sound) 9.8 9.8 10.0 2. Capital Conservation Buffer 2.5 2.5 2.5 3. Countercyclical Buffer 0 0 0 4. Capital Surcharge 1.5 1.5 1.5 Minimum Requirement (%) 13.8 13.8 14.0 CAR BNI Realization (%) 21.8 21.4 21.1 2023 2024 Sep-25 Add On based on Bank's Risk Profile 1.80% 1.80% 1.95% Minimum Common Equity Tier 1 Capital 4.50% 4.50% 4.50% Tier 1 Capital Minimum 6.00% 6.00% 6.00% Capital Conservation Buffer 2.50% 2.50% 2.50% Countercyclical Buffer (Applied to all bank) 0.00% 0.00% 0.00% Capital Surcharge (Bank with systemic risk) 1.50% 1.50% 1.50% Minimum Common Equity Tier 1 + Risk Profile + Additional Buffers 10.30% 10.30% 10.45% Minimum Tier 1 Capital based on Risk Profile + Additional Buffers 11.80% 11.80% 11.95% Minimum CAR + Risk Profile + Additional Buffers 13.80% 13.80% 13.95% BASEL 3 Capital requirement and BNI Capital realization
  • 63.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 63 Breakdown Yield Earning Asset & Interest Bearing Liabilities (bank only) Breakdown Earning Asset 9M24 9M25 Growth YoY Amt (IDR Tn) Yield Amt (IDR Tn) Yield Amt (%) Yield Loan 721.8 7.6% 796.5 7.3% 10.4% -0.3% Non Loan 215.5 5.7% 264.6 5.2% 22.8% -0.5% Marketable Securities 147.9 4.6% 173.6 4.4% 17.4% -0.2% Placement 39.0 4.0% 64.5 3.4% 65.7% -0.6% Acceptance and other receivables 28.6 13.6% 26.5 14.3% -7.4% 0.7% Total Earning Assets 937.2 7.1% 1,061.1 6.7% 13.2% -0.3% Breakdown Interest Bearing Liabilities 9M24 9M25 Growth YoY Amt (IDR Tn) CoF Amt (IDR Tn) CoF Amt (%) CoF Third Party Fund 757.5 2.7% 916.8 2.8% 21.0% 0.1% Current Account 297.7 2.7% 338.6 2.6% 13.7% -0.1% Savings 238.1 0.7% 268.2 1.1% 12.6% 0.4% Time Deposit 221.7 4.8% 310.0 5.0% 39.8% 0.2% Borrowings & Repo 40.8 7.5% 48.8 6.1% 19.8% -1.3% MS Issued 29.2 4.6% 32.7 4.9% 11.8% 0.3% Total Interest Bearing Liabilities 827.5 3.4% 998.3 3.4% 20.6% 0.0%
  • 64.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 64 BNI Shares & Rating BNI Shares & Rating Market Cap Movement & PBV Fitch Rating Long Term Foreign Currency Long Term Local Currency Short Term Foreign Currency Viability Rating National Long Term Rating National Short Term Rating Pefindo Corporate Rating Standard & Poor's Outlook Long Term Foreign Issuer Credit Long Term Local Issuer Credit Short Term Foreign Issuer Credit Short Term Local Issuer Credit Moody's Outlook Foreign Long Term Bank Deposits Local Long Term Bank Deposits Baseline Credit Assessment Adjusted Baseline Credit Assessment Counterparty Risk Assessment BBB BBB/Stable F2 Bbb- AAA/Stable F1+ AAA/Stable Stable BBB BBB A-2 A-2 Stable Baa2 Baa2 Baa3 Baa3 Baa2/p-2 ▪ Issued shares 37,297,312,916 shares Ownerships Sep-25 Government of Indonesia (1 share of Series A Dwiwarna) 0.0% PT Danantara Asset Management (Persero) 60.0% Public - Domestic 13.8% Public - Foreign 26.2% Breakdown of shares ownership 10% Retail 90% Institutions Free Float Shares Geographical distribution of free float shares (as of Sep-25) 34.6% Indonesia 24.2% UK & Europe 19.8% US & Canada 7.7% Rest of Asia 5.4% Singapore 8.2% Rest of The World Historical Share Price Performance Versus JCI – YoY Trend Diversified Shareholder Base 40% -21% 9% 37% 17% -19% -6% -5% 10% 4% 6% -3% 14% 2020 2021 2022 2023 2024 Sep-25 BBNI Share Price - 1Y (%) JCI - 1Y (%) 115 126 172 200 162 153 1.04 1.06 1.33 1.40 0.99 0.95 2020 2021 2022 2023 2024 Sep-25 Market Cap (IDR Tn) PBV (x)
  • 65.
    BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 65 5 Years Financial Data
  • 66.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 66 5 Years Financial Data (1) Consolidated Profit or Loss (IDR Bn) 2020 2021 2022 2023 2024 9M24 9M25 Interest Income 56,173 50,026 54,659 61,472 66,583 48,836 51,167 Interest Expense (19,021) (11,779) (13,338) (20,196) (26,103) (19,398) (21,914) Net Interest Income 37,152 38,247 41,321 41,276 40,480 29,439 29,253 Premium Income Net 1,471 1,399 1,552 1,659 1,724 1,215 581 Fee Based Income 11,864 13,639 14,820 14,783 16,286 11,754 13,109 Recovery 1,549 2,581 3,780 5,030 6,025 3,868 3,562 Operating Income 52,036 55,865 61,472 62,747 64,515 46,275 46,505 Operating Expense (24,214) (24,801) (27,059) (27,778) (29,688) (20,989) (21,832) Pre-Provision Income (PPOP) 27,822 31,064 34,413 34,970 34,826 25,287 24,673 Provisioning Charges (22,590) (18,298) (11,514) (9,196) (8,211) (5,389) (6,121) Non-Operational Inc/(Exp) (119) (216) (212) (134) (35) (33) (114) Net Income 3,280 10,898 18,312 20,909 21,464 16,308 15,115 Consolidated Balance Sheet (IDR Bn) 2020 2021 2022 2023 2024 Sep 24 Sep 25 Total Assets 891,337 964,838 1,029,837 1,086,664 1,129,806 1,068,080 1,269,486 Placement with other banks & BI 61,329 92,290 51,569 43,794 17,076 15,076 33,018 Marketable Securities [market value] 29,947 26,053 28,556 37,408 48,453 42,246 58,959 Government Bonds [market value] 90,661 111,430 121,291 127,100 132,072 130,287 142,235 Loans (gross) 586,207 582,436 646,188 695,085 775,872 735,018 812,195 Third Party Funds 679,452 729,169 769,269 810,730 805,511 769,739 934,326 Deposit from other banks 9,372 14,377 15,245 11,894 18,548 13,877 14,741 Marketable Securities Issued 3,085 18,751 22,110 21,822 30,674 29,144 32,569 Borrowings 44,114 32,458 35,654 30,950 42,931 34,995 42,088 Shareholders’ Equity 112,872 126,520 140,198 154,733 167,187 162,170 171,610
  • 67.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 67 5 Years Financial Data (2) All ratios are bank only, unless stated otherwise *ROAE with average total equity as denominator ; 14.7% in 1Q25 if the denominator is Tier 1 Capital as reported to OJK Financial Ratios (%) 2020 2021 2022 2023 2024 9M24 9M25 LOAN Growth [Consolidated] 5.3 5.3 10.9 7.6 11.6 9.5 10.5 CASA Ratio [Consolidated] 68.5 69.4 72.4 71.2 69.9 70.3 65.6 CASA Growth [Consolidated] 5.6 17.1 10.1 3.6 -2.5 5.5 13.3 CAPITAL Shareholders equity to total asset 12.7 13.1 13.6 14.2 14.6 15.2 13.5 Tier I - CAR (include operational risk) 15.7 17.7 17.5 20.2 20.0 20.3 19.8 Tier II - CAR (include operational risk) 1.1 2.0 1.8 1.7 1.4 1.5 1.3 Total CAR (credit,market + operational risk) 16.8 19.7 19.3 22.0 21.4 21.8 21.1 ASSET QUALITY Net Non-Performing Loan 0.9 0.9 0.5 0.6 0.7 0.6 0.8 Gross Non-Performing Loan 4.3 3.7 2.8 2.1 2.0 2.0 2.0 Credit Cost 4.1 3.3 1.9 1.4 1.1 1.0 1.0 NPL Coverage 182.4 233.4 278.3 319.0 255.8 284.2 222.7 RENTABILITY Pre-Tax ROAA 0.5 1.4 2.5 2.6 2.5 2.5 2.2 ROAE* 2.6 9.4 14.9 15.2 14.2 14.7 12.7 Net Interest Margin 4.5 4.7 4.8 4.6 4.2 4.2 3.8 EFFICIENCY Cost to Income Ratio 44.2 43.3 42.6 42.9 44.6 43.8 46.1 LIQUIDITY Loan to Deposit Ratio 87.3 79.7 84.2 85.8 96.1 95.3 86.9 DIVIDEND Dividend Payout Ratio [%] 25.0 25.0 40.0 50.0 65.0 - -
  • 68.
    ESG DIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 68 Equity Research Contact Details NO BROKERAGE ANALYST EMAIL 1 Autonomous Ryan Foo rfoo@autonomous.com 2 Bahana Securities Yusuf Ade Winoto Yusuf.ade@bahana.co.id 3 BCA Securities Andre Benas andre.benas@bcasekuritas.co.id 4 CGS International Handy Noverdanius handy.noverdanius@cgsi.com 5 Ciptadana Securities Erni M Siahaan Siahaanerni@ciptadana.com 6 Citi Investment Research Ferry Wong Ferry.wong@citi.com 7 CLSA Sarina Lesmina Sarina.Lesmina@clsa.com 8 Danareksa Securities Victor Stefano Victor.stefano@brids.co.id 9 DBS Bank Rui Wen Lim ruiwenlim@dbs.com 10 Goldman Sachs Melissa Kuang Melissa.kuang@gs.com 11 HSBC Singapore Weldon SNG Weldon.sng@hsbc.com.sg 12 Indo Premier Securities Jovent Muliadi Jovent.muliadi@ipc.co.id 13 JP Morgan Harsh Wardhan Modi Harsh.w.modi@jpmorgan.com 14 KB Valbury Securities Akhmad Nurcahyadi Akhmad.nurcahyadi@kbvalbury.com 15 Macquarie Jayden Vantarakis Jayden.vantarakis@macquarie.com 16 Mandiri Securities Kresna Hutabarat Kresna.hutabarat@mandirisek.co.id 17 Maybank Kim Eng Securities Jeffrosenberg Chenlim Jeffrosenberg.lim@maybank.com 18 Mirae Asset Securities Robertus Yanuar Hardy Robertus.hardy@miraeasset.co.id 19 MNC Securities Victoria Venny Victoria.nawang@mncgroup.com 20 Morgan Stanley Selvie Jusman Selvie.Jusman@morganstanley.com 21 Nomura Verdhana Raymond Kosasih Raymond.kosasih@verdhana.id 22 RHB Securities Andrey Wijaya Andrey.wijaya@rhbgroup.com 23 Samuel Securities Suria Dharma Suria.dharma@samuel.co.id 24 Sucor Securities Edward Lowis Edward.lowis@sucorsekuritas.com 25 Trimegah Securities Jonathan Gunawan jonathan.gunawan@trimegah.com 26 UOB Kay Hian Posmarito Pakpahan posmarito@uobkayhian.com 27 UBS Joshua Tanja Joshua.tanja@ubs.com
  • 69.
    BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 69 PT. Bank Negara Indonesia (Persero) Tbk. Investor Relations Division Grha BNI Building, 21st Floor Jl Jend Sudirman kav. 1 Jakarta 10220 T: 62-21-5728314 E: ir@bni.co.id Disclaimer This presentation has been prepared by PT. Bank Negara Indonesia (Persero) Tbk (the “Company”) for information purposes only. No representation or warranty, express or implied, is given by or on behalf of the Company (BNI nor any of its subsidiaries, its affiliates, directors, commissioners, employees and representatives) as to the accuracy, correctness, reasonableness or completeness of the information or opinions contained in this presentation. The presentation does not constitute or form part of an offer, solicitation or invitation of any offer, to buy or subscribe for any securities, nor should it or any part of it form the basis of, or be relied in any connection with, any contract, investment decision or commitment whatsoever. The Company (BNI nor its subsidiaries, its affiliates, directors, commissioners, employees and representatives) does not accept any liability whatsoever for any loss however arising from any use of this presentation or their contents or otherwise arising in connection therewith (whether written or verbal communication). Forward Looking Statements Some of the information in this presentation may contain projections or other forward-looking statements regarding future events or the future financial performance of the Company. These forward-looking statements include all matters that are not historical facts. They are subject to known and unknown risks and uncertainties and can be affected by other factors that could cause actual results to differ materially from those expressed or implied in the forward-looking statements. The Company undertakes no obligation to revise or update any forward-looking statement contained within this presentations, regardless of whatever those statements are affected as a result of new information, future events or otherwise. Rounding Please note that rounding differences may appear throughout the presentation.
  • 70.
    BNI is licensedand supervised by The Financial Service Authority (OJK) & Bank Indonesia (BI) 70 Thank You