Rapat Umum Pemegang Saham - BNI

P T B A N K N E G A R A I N D O N E S I A ( P E R S E R O ) T B K .

# B U M N U n t u k I n d o n e s i a

J a k a r t a , 3 1 A g u s t u s 2 0 2 2

Rapat Umum Pemegang Saham Luar Biasa 2022

Mata Acara PertamaPemaparan Kinerja Perseroansampai dengan Semester ITahun 2022 (Audited)

P T B A N K N E G A R A I N D O N E S I A ( P E R S E R O ) T B K . P A G E 2

2022

Financing to hydro,

solar & biogas power

plant


Sustainable Portfolio

Socioeconomic Advancement

and Empowerment

Environmentally Sustainable

Management of Living Natural

Resources and Land Use

117.9 TnRpThrough financing

and empowerment of

micro and SME.

16.1 TnRp

34% of our palm oil

borrowers in corporate

segment are already

ISPO/RSPO certified

12.0 TnRp

23.4 TnRp

7.2 TnRp

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)

Others(Sustainable water and

wastewater management, etc.)

Pollution Prevention

Environmentally sustainable management

of living natural resources and land use

Renewable Energy

BNI CREDIT POLICY

NO EXPOSURE INGREEN PORTFOLIO AMOUNTING TO RP176.6 TN OR 28.6% OF TOTAL LOAN (BANK ONLY)

Mata Acara Pertama

2022


Strong PPOP with better than expected asset quality

| Disclaimer: All ratios are bank only unless stated as Consolidated ; Jun-22 has consolidated Bank Mayora as subsidary

559.3 569.7 570.6

582.4 591.7

Mar 21 Jun 21 Sep 21 Dec 21 Mar 22

569.7

620.4

Jun-21 Jun-22

639.0 646.6

668.6

729.2

692.7

67.9%

69.6% 69.7% 69.4% 69.3%

Mar 21 Jun 21 Sep 21 Dec 21 Mar 22

646.6

691.8

Jun-21 Jun-22

1.69%

1.42%

1H-21 1H-22

1.64%1.55%

1.47% 1.46%1.38%

2Q21 3Q21 4Q21 1Q22 2Q22

8.2 7.4 7.5

8.5 8.7

2Q21 3Q21 4Q21 1Q22 2Q22

16.1 17.2

1H-21 1H-22

3.5 3.5

2.83.2

2.51.9

26.9 25.9

25.2

23.3

22.1

19.6

1Q21 2Q21 3Q21 4Q21 1Q22 2Q22

5.0

8.8

1H-21 1H-22

2.6 2.7 3.2

4.0

4.8

2Q21 3Q21 4Q21 1Q22 2Q22

CASA (%)

LAR – incl. Covid (%)Cost of Credit (%)

Consensus FY22 EAT Rp15.9Tn

COST OF THIRD-PARTY FUND (%)THIRD PARTY FUND (IDR Tn)LOAN (IDR Tn)

PPOP (IDR Tn) LOAN AT RISK (%) & COST OF CREDIT (%) EARNING AFTER TAX (IDR Tn)

Mata Acara Pertama

2022


Mata Acara Pertama

BNI’s strong involvement in supporting the green portfolio

“Issued the first IDR denominated Green Bond in Indonesia”

Amount

IDR5,0Tn

Tenure

Series A

Series B

3 Years

5 Years

Use of Proceeds

▪ Renewable Energy,

▪ Energy Efficiency,

▪ Waste to Energy, and Waste Management,

▪ Sustainable Natural Resources and Land Use,

▪ Terrestrial and Aquatic Biodiversity

Conservation

▪ Sustainable Transportation,

▪ Sustainable Water and Wastewater

Management,

▪ Climate Change Adaptation,

▪ Green Buildings and Sustainable Agriculture.

BNI collaborates with PLN to operate EV

charging station.

“Pioneer in the banking industry in Promoting

Electric Vehicle”

BNI Multifinance offers an EV Loan with

special interest rate 2.9% p.a vs

normal rate 6.85% p.a* :

• For electric vehicles financing

• Available to new vehicles

• Loan tenure of up to 3 years

Coupon

6.35%

6.85%

Financing the sustainable business activities in

compliance with OJK Regulation POJK 60/POJK.04/2017

*Applicable rates when this presentation was published.

MSCIESG RATINGS

Last Update:

13 June 2022

MSCI Indonesia ESG Leaders IndexALast Update:

30 June 2022

3TOP

2022


A year progress of Xpora, one of our future growth engines

0.7%

99.3%

30%

43%

15%

12%

Go GlobalGo Digital

Partnership

Operating Model

Inhouse Banking Export Advisor Sales/Services

Training & Curation Digital Solution Trading House

Financial Solution Campaign Diaspora

Association

Logistic

Business Matching Exhibitions7 Physical Hub &

Xpora Portals

Go Productive

▪ Inaugurated on 17 May 2022 to complement the current

overseas network, Singapore, Hong Kong, Tokyo, Osaka,

London, New York, and Seoul.

▪ Captures European Market Potential Post-Brexit

▪ Support high population of Indonesian diaspora in the

Netherlands.

▪ Support Indonesian entrepreneurs to expand their business

overseas

Amsterdam Representative Office

Business Metrics

Surya Trading

Agriculture (Palm Oil, Porang,

Poultry)

Manufacturing (Fishery Production,

Wood Products, Textile)

Trading (Fisheries, Wood Art,

Handicraft, Textile)

Transportation & Business

Services (Cargo etc)

Through Xpora scheme,

during 1H22, IDR 7.2 Tn

loans were disbursed

Total loan for export-

oriented SME debtors

reached IDR 22 Tn

19.1

20.9

22.1

Dec-21 Mar-22 Jun-22

30%

70%

Commercial

Small

Trade volume in 2Q22

IDR 14.6 Tn

Number of Debtors

39KExport oriented

debtors

Commercial

Small

CASA (IDR Tn)

3.0

3.8 3.9

Dec-21 Mar-22 Jun-22

3.9TnTotal CASA

as of Jun-22

+30% YTD

Mata Acara Pertama

2022


Seamless access to all Business

Banking Services (Cash

Management, Bank Guarantee,

FSCM, Trade, FX) in one Platform

01 Executive Dashboard

Consolidation of all customer financial &

information to support decision making by

executives

02

Digital account opening and

onboarding process resulted in

efficient TAT from 6 days to 1 day

03 BNIDirect overseas for cross-border

services:- Consolidated Account Statement, both accounts

maintained in Indonesia and BNI overseas branches

- Closed loop inter-BNI account transfer

- Other financial transactions

04

Total Registered Users

(Thousand)

New Cash Mgt Users

(Thousand)

67.979.8

Jun-21 Jun-22

17.5%YoY

2.13.2

2Q21 2Q22

52.4%YoY

Transaction Value (in IDR Tn)

988 1,194 1,393

2Q21 1Q22 2Q22

No of Transaction (in Mn)

200 220 242

2Q21 1Q22 2Q22

41%YoY

17%QoQ

21%YoY

10%QoQ

166 196 227

2.14%

1.33% 1.35%

1H 1H 1H

2020 2021 2022

Average current account (IDR Tn) from cash management user

Current Acc CoF YTD

Strong Transaction Volumes in Cash

Management translates to sustainable low CoF

Ample room for growth

▪ Only 26% penetration rate in Non-

Corporate clients

▪ Strong penetration rate in Corporate

clients, reaching 91% coverage

New Capabilities released to enhance the end-to-

end customer journey

Building a stronger transaction-based CASA through Digital Corporate Services

Mata Acara Pertama

Digital

Initiatives


2022


We’re triumphing on every customer touch pointsInstead of focusing on a particular product, BNI believes in empowering digital solutions for every needs

BNI Mobile BankingBanking solutions on the palm of your hand

Merchant & QRISRiding the “cashless transaction” waves

E-ChannelsSupporting channels for various situations

+161,000 Agen46 AgentsBranchless banking to tap the unbanked segments

Open Banking EcosystemUnlocking the potential with BNI Open API

TapCashRiding the “cashless transaction” waves

ATM 16.158 ATMs, IDR 341 Tn Trx Volume

Internet Banking 2.15 Mn Users, IDR 21 Tn Trx Volume

SMS Banking 12.48 Mn Users, IDR 14 Tn Trx Volume

IDR 368 Tn Transactions in 1H-22, surprassed ATM’s

Dominant Banking Channel for Customers

Many new features to satisfy all banking needs.

IDR 37,32 Tn Trx Volume

Enabling payment services (Tax, Billing, etc.)

Consumer and KUR Loan Referrals

Saving account Referrals (Laku Pandai)

Money Transfer, Cash withdrawal services

Cons. Loan

Digital Loan

FX - Trx

Investment

Int’l Remittance

Diaspora Digital Opening Account

443 API Services

Utilized by 4.000 + Partners

Best in Class open banking ecosystem

QRIS is enabling digital transaction

for MSME Merchants.

Empowering more than 100.000 Merchants with

simple and low-cost QRIS solutions

IDR 31.93 Tn EDC Transactions in 1H 2022

Empowering cashless transactions

in transportation, F&B, Minimarket

and other sectors.

8.89 Mn card in circulation

IDR 698 Bn sales volume in 1H22

BNI Direct

Solid Digital Solutions for Business Banking

Clients

Covering all client needs in one Integrated Portal:

79,8k thousand users

IDR 2,500 Tn Trx Volume

A reliable channel to make transactions anytime, anywhere

Mata Acara Pertama

2022


Riding The Wave of E-commerce & Fintech Boom

82136 168 195

239 27116

6070

7481

134

2018 2019 2020 Jun-21 2021 Jun-22

fintech e-commerce

#TRANSACTION (in Mn)

All Cash Management Clients Fintech & e-commerce only % contribution

FEE BASED INCOME (IDR Bn)

458

320

269238

196

98

BNI Direct

BNI Open API

Payment

Management

Collection

Management

Liquidity

ManagementAudit, Information &

Reporting

SOLUTIONPLATFORM

Number of Digital Clients

367

462

219 347

60%

75%

1H21 1H22

All Cash Management Clients Fintech & e-commerce only % contribution

146

169

50 69

35%

41%

1H21 1H22

Mata Acara Pertama

Financial

Performance


2022


Healthy growth from lower risk segments

50.4% 49.1% 49.4% 49.6% 50.2%

17.1% 17.5% 17.0% 16.5% 16.2%

16.0% 16.0% 16.4% 16.6% 16.2%

16.3% 16.3% 17.0% 17.1% 16.8%

0.2% 0.2% 0.2% 0.2% 0.6%

200 .0

250 .0

300 .0

350 .0

400 .0

450 .0

500 .0

550 .0

600 .0

650 .0

0.0 %

20. 0%

40. 0%

60. 0%

80. 0%

100 .0%

120 .0%

Jun-21 Sep-21 Des-21 Mar-22 Jun-22

Subsidiaries Consumer Small Medium Corporate

LOAN YIELD BY SEGMENT (%) – BANK ONLY

LOAN COMPOSITION (IDR Tn)

569,7 570,6 582,4 591,7

(IDR Tn)

SEGMENT 2Q21 3Q21 4Q21 1Q22 2Q22

Corporate 7.88 6.94 7.11 6.70 6.46

Medium 7.50 7.23 7.17 7.13 7.12

Small 9.30 9.64 8.53 9.34 9.84

Consumer 10.27 10.09 9.68 9.70 9.43

IDR Yield 8.49 8.11 7.96 7.97 7.91

FX Yield 4.58 4.77 4.28 4.51 5.50

Blended Loan 7.76 7.48 7.25 7.29 7.43

620,4

| Disclaimer: Jun-22 has consolidated Bank Mayora as subsidary

SEGMENT JUN-21 SEP-21 DEC-21 MAR-22 JUN-22GROWTH - %

QoQ YoY

Bu

sin

es

s B

an

kin

g

Corporate Private 179.1 175.9 180.4 193.2 205.3 6.3 14.7

Corporate SOE 108.3 104.0 107.0 100.2 105.9 5.7 -2.2

Medium 97.2 100.1 99.1 97.9 100.8 3.0 3.7

Large Commercial 37.0 40.4 40.9 46.1 48.5 5.2 31.2

Commercial 60.3 59.7 58.2 51.8 52.3 1.1 -13.2

Small 91.0 93.2 95.8 98.0 100.2 2.3 10.2

Govt Subs Loan (KUR) 38.7 41.3 44.0 46.5 49.0 5.4 26.5

Non-KUR 52.3 52.0 51.7 51.5 51.2 -0.6 -2.0

SUBTOTAL 475.6 473.3 482.4 489.3 512.3 4.7 7.7

Co

ns

um

er

Mortgage 47.6 48.8 49.6 50.5 51.2 1.4 7.6

Payroll Loan 32.7 34.1 35.8 37.4 39.1 4.6 19.6

Credit Card 11.7 11.7 11.9 11.8 12.0 1.6 2.5

Others 0.7 1.5 1.7 1.7 1.8 4.6 144.3

SUBTOTAL 92.7 96.1 99.0 101.4 104.2 2.7 12.3

Subsidiaries 1.4 1.2 1.1 1.0 4.0 304.0 190.9

Total 569.7 570.6 582.4 591.7 620.4 4.9 8.9

Working Capital 315.7 317.1 325.8 334.1 357.3 6.9 13.2

Investment Loan 160.2 157.2 157.4 155.9 158.6 1.7 -1.0

Mata Acara Pertama

2022

590.8 616.6

74.345.4 3.1

Mar 2022 Disbursment Install/Paid-Off* Write-Off Jun 2022


Rp74.3 trillion loans disbursed in Q2-2022 (bank only)QoQ LOAN MOVEMENT (IDR Tn)

YtD LOAN MOVEMENT (IDR Tn)

• Corporate

• Middle

• Small

• Consumer

: 40.5 Tn

: 12.9 Tn

: 11.4 Tn

: 9.5 Tn

581.5 616.6

134.1 93.15.9

Dec 2021 Disbursment Install/Paid-Off* Write-Off Jun 2022

• Corporate

• Middle

• Small

• Consumer

: 70.0Tn

: 22.4Tn

: 23.5Tn

: 18.2Tn

2.3

4.0

5.5

Outstanding Increase (IDR Tn) %

Year-on-Year

Quarter-on-Quarter

23%

26%

20%

8%

30%

10%

Manufacture

Transport, Warehouse &

Communication

General Trading

Manufacture


Communication

Mining

5.8

5.9

17.0

3.3

4

6.7

TOP 3 INDUSTRIES CONTRIBUTING TO CORPORATE LOAN GROWTH IN JUN-22

TOP 3 INDUSTRIES CONTRIBUTING TO COMMERCIAL LOAN GROWTH IN JUN-22

Outstanding Increase (IDR Tn) %

Year-on-Year

Quarter-on-Quarter

60%

373%

48%

158%

15%

7%

Manufacture

Mining

Agriculture

Mining


Communication

0.2

1.9

2.1

Electricity, Water & Gas

Mata Acara Pertama

2022

32.8%

23.3%

13.0%

3.5%

27.4%

Government Related SOE Private Companies Universities Other


Consumer BusinessNPL MOVEMENT - %

2.7 2.9

3.6 3.6

3.1

3.6 3.7 3.6 3.2

3.0 2.9

0.9 1.1

1.4 1.6

1.4 1.5 1.5 1.5

1.1 1.1 1.1

2.1 2.8

4.3 4.2

3.7

2.6 2.6 2.3 2.2 2.2

1.7 1.8

0.1 0.1 0.1 0.1 0.1 0.1 0.1

1.6 1.7

1.5

Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22

Mortgage Payroll Loan Credit Card Others

Product (IDR Bn) Jun-21 Dec-21 Jun-22Growth

YoY %

Compo-

sition %

NPL %

Jun-21 Jun-22

Mortgage 47,6 49.6 51.2 7.6 49.2 3,7 2.9

Payroll Loan 32,7 35.8 39.1 19.6 37.6 1,5 1.1

Credit Card 11,7 11.9 12.0 2.5 11.6 2,6 1.7

Others 0.7 1.7 1.8 144.3 1.7 0,1 1.5

Total 92,7 99.0 104.2 12.3 100.0 2,7 2.1

IDR 39,1 Bn

PAYROLL LOAN DEBTORS COMPOSITION JUN-22AMPLE ROOM FOR GROWTH FOR PAYROLL LOAN

1,894 2,302

2,724

3,392 3,426 3,795 3,763

130 185

234 261 270 281 286

2016 2017 2018 2019 2020 2021 1H22

Number of Payroll Account [Thousand] Number of Payroll Loan Account [Thousand]

.. Payroll loan as main driver of growth focused on selected institutions

based on the captive market ..

Mata Acara Pertama

2022


Highlighted Results

HIGHLIGHTED RESULTS (%) 1H21 1H22 YoY 3Q21 4Q21 1Q22 2Q22 QoQ

Profitability &

Efficiency

[Bank Only]

CASA Ratio (Consolidated) 69.6 69.2 -0.4 69.7 69.4 69.2 69.2 0.0

COF (Third Party Funds) 1.7 1.4 -0.3 1.5 1.5 1.5 1.4 -0.1

NIM 4.9 4.7 -0.2 4.6 4.4 4.5 4.9 0.4

ROAE* 8.9 15.1 6.2 9.7 10.3 14.3 15.8 1.6

Pre-tax ROAA 1.5 2.4 0.9 1.6 1.2 2.3 2.6 0.3

CIR 40.7 40.4 -0.3 44.7 47.0 39.7 41.1 1.4

Asset Quality

[Bank Only]

LaR - Incl Covid 25.8 19.6 -6.2 25.2 23.3 22.1 19.6 -2.5

NPL (Gross) 3.9 3.2 -0.7 3.8 3.7 3.5 3.2 -0.3

Credit Cost 3.5 2.2 -1.3 2.8 3.2 2.5 1.9 -0.6

LAR Coverage Ratio (Inc. Covid) 32.9 42.3 9.4 34.3 37.0 39.3 42.3 3.0

NPL Coverage Ratio 215.3 263.3 48.0 226.8 233.4 250.1 263.3 13.2

Liquidity

[Bank Only]

LDR 87.8 90.1 2.3 85.1 79.7 85.2 90.1 4.9

LCR 229.0 215.3 -13.7 219.2 230.2 250.1 215.3 -34.8

NSFR 145.0 126.1 -18.9 146.6 151.8 133.4 126.1 -7.3

Capital

[Bank Only]

Tier-1 CAR 16.0 16.5 0.5 17.8 17.7 17.3 16.5 -0.8

Total CAR 18.2 18.4 0.2 19.9 19.7 19.3 18.4 -0.9

Key ratios – solid performances across major metrics

*ROAE with average total equity as denominator ; 16.3% in 1H22 if the denominator is Tier 1 Capital as reported to OJK


Mata Acara Pertama

2022

P T B A N K N E G A R A I N D O N E S I A ( P E R S E R O ) T B K P A G E 16

Highlighted results

HIGHLIGHTED RESULTS (IDR Bn) 1H21 1H22 YoY (%) 3Q21 4Q21 1Q22 2Q22 QoQ (%)

B / S

[Consolidated]

Total Asset 875,138 946,495 8.2 919,448 964,838 931,983 946,495 1.6

Loan 569,735 620,423 8.9 570,643 582,436 591,683 620,423 4.9

Third Party Funds 646,574 691,837 7.0 668,554 729,169 692,741 691,837 -0.1

CASA 450,029 478,983 6.4 465,733 506,068 479,539 478,983 -0.1

Time Deposit 196,545 212,854 8.3 202,821 223,101 213,202 212,854 -0.2

P & L

[Consolidated]

Net Interest Income 19,322 19,610 1.5 9,376 9,549 9,231 10,379 12.4

Interest Income 25,296 25,531 0.9 12,227 12,503 12,174 13,356 9.7

Interest Expense (5,974) (5,921) -0.9 (2,851) (2,954) (2,943) (2,978) 1.2

Non Interest Income 6,802 7,552 11.0 3,412 3,425 4,032 3,520 -12.7

OPEX (11,660) (12,532) 7.5 (6,297) (6,844) (6,145) (6,387) 3.9

PPOP 16,139 17,243 6.8 7,408 7,517 8,536 8,708 2.0

Provisioning Charges (9,786) (6,403) -34.6 (4,012) (4,500) (3,600) (2,803) -22.1

Net Profit 5,027 8,803 75.1 2,719 3,152 3,962 4,841 22.2


Mata Acara Pertama

Mata Acara KeduaPerubahan Susunan PengurusPerseroan


2022

Perubahan Susunan Pengurus Perseroan

• Dasar Hukum:

• Pasal 9 ayat (3) Peraturan OJK No. 46/POJK.03/2017 tentang Pelaksanaan Fungsi Kepatuhan BankUmum;

• Pasal 11 ayat (10) dan Pasal 14 ayat (12) Anggaran Dasar Perseroan; dan

• Surat Menteri BUMN No. SR-462/MBU/07/2022 tanggal 25 Juli 2022 perihal Persetujuan Mata AcaraRUPS Luar Biasa Tahun 2022 BNI

• Penjelasan:

• Dasar usulan Mata Acara Rapat tersebut adalah Surat Menteri BUMN Republik Indonesia selakuPemegang Saham Seri A Dwiwarna No. SR/462/MBU/07/2022 tanggal 25 Juli 2022 perihal PersetujuanMata Acara RUPS LB 2022 BNI, Pasal 9 ayat (3) Peraturan OJK No. 46/POJK.03/2017 tentangPelaksanaan Fungsi Kepatuhan Bank Umum, Pasal 11 ayat (10) dan Pasal 14 ayat (12) Anggaran DasarPerseroan, yang mengatur bahwa persetujuan pengangkatan dan pemberhentian Pengurus Perseroandisetujui dalam RUPS.

Mata Acara Kedua


ThankYou

P T B A N K N E G A R A I N D O N E S I A ( P E R S E R O ) T B K .

# B U M N U n t u k I n d o n e s i a


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