Pt Bank Negara Indonesia (persero) Tbk Class B · IDX:BBNI
Pt Bank Negara Indonesia (persero) Tbk Class B — Q1 2023 Earnings Presentation
69 slides from Pt Bank Negara Indonesia (persero) Tbk Class B's earnings presentation, May 18, 2023
Slide 1: Corporate Presentation 1Q2023
CORPORATE PRESENTATION 1Q2023 PT BANK NEGARA INDONESIA (PERSERO) TBK. | 18 May 2023
Slide 2: Table of Contents
Q12022 Page No. 01 03 | Management Highlights Table of 02 08 | Macroeconomics Highlight 03 13 | Financial Performance Contents 14 | Highlighted Results 16 | Loan Composition 17 | Loan Movement 1Q-2023 18 | Profit & Loss (Consolidated) Earnings Call 19 | Fee Based Income 20 | Operating Expense 1Q2023
Slide 3: Management Highlight
1Q2023 Management Highlight PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 3
Slide 4: Strong EAT driven by quality-focused growth
1Q2023 Management Highlight Strong EAT driven by quality-focused growth LOAN (IDR Tn) CASA (IDR Tn) COST OF THIRD-PARTY FUND (%) 634.3 1.92 646.2 557.3 1.75 620.4 622.6 591.7 591.7 1.46 1.40 1.46 512.5 1.38 485.7 479.5 479.5 479.0 72.4% 91.2% 70.9% 90.1% 69.2% 69.2% 69.2% 68.9% 85.2% 85.2% 85.4% 84.
Slide 5: Sharpening organization structure aligned with business transformation
1Q2023 Management Highlight Sharpening organization structure aligned with business transformation Based on BNI AGMS on 15 March 2023, aligned with the bank’s strategic direction Point of Change New executive role structure Wholesale & Institutional & Enterprise & Risk Silvano Winston Rumantir Inter
Slide 6: Investing in talent to accelerate transformation
1Q2023 Management Highlight Investing in talent to accelerate transformation Victor Billie Yogi Bima Vilia Korompis Setiawan Sakti Husin SEVP Information SVP – Head Of Data SVP – Head Of General Manager Of Technology Management & Analytics Enterprise Banking BNI New York Agency 27+ years of experien
Slide 7: Discipline approach toward sustainably higher ROE
1Q2023 Management Highlight Discipline approach toward sustainably higher ROE Loan Composition (Bank Only) Loan Composition (Bank Only) Mar 2021 Mar 2023 SME SME Private Private 9% Corporate Corporate 8% Asset quality remains key focus 32% Commercial within “selective portfolio”: 37% 8% LAR Amount C
Slide 8: Macroeconomics Highlight
1Q2023 Macroeconomics Highlight PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 8
Slide 9: Global economy anticipates slowdown, Indonesia's economy to remain resilient
1Q2023 Macroeconomics Highlight Global economy anticipates slowdown, Indonesia’s economy to remain resilient Robust growth in 2022 to still carry through 2023, although more moderately Nominal growth was supported by high prices after the economy restarted and geopolitical tension 7 6 18 6.2 6.0 16
Slide 10: Recent inflation update supports a normalisation trend
1Q2023 Macroeconomics Highlight Recent inflation update supports a normalisation trend Inflation steadily lowers to achieve a target forecast of 3.75% FY23 Manageable food inflation was key to pull down inflation 7.00 12.00 6.00 Jul-22; 10.9 10.00 5.00 8.00 Mar-23; 5.7 4.00 Jan-23; 3.27 6.00 3.00 Ma
Slide 11: Indonesia's 7DRRR to remain steady until year end
1Q2023 Macroeconomics Highlight Indonesia’s 7DRRR to remain steady until year end, despite recent market expectation of a trim Market has predicted interest rate to close 50bps lower by 2023 …but the Fed has remained adamant on holding rate high until FY23 Cut 25 bps Hold Raise 25 bps Fed’s Economic
Slide 12: Interest rates have began to rise
70 75 80 85 90 95 10.5 11.5 12.5 7.5 8.5 9.5 (%) 1Q2023 Jan-19 Jan-19 Mar-19 Mar-19 May-19 May-19 Jul-19 Jul-19 Sep-19 Sep-19 Nov-19 Nov-19 Jan-20 Jan-20 Mar-20 Mar-20 May-20 May-20 Working Capital (%) Jul-20 Jul-20 Sep-20 Sep-20 Interest rates have began to rise Nov-20 Nov-20 Jan-21 Jan-21 Macroeco
Slide 13: Financial Performance
1Q2023 Financial Performance PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 13
Slide 14: Highlighted results
1Q2023 Financial Performance Highlighted results HIGHLIGHTED RESULTS (IDR Bn) 1Q22 1Q23 YoY (%) 1Q22 2Q22 3Q22 4Q22 1Q23 QoQ (%) Total Asset 931,983 1,012,363 8.6 931,983 946,495 943,608 1,029,837 1,012,363 -1.7 Loan 591,683 634,326 7.2 591,683 620,423 622,607 646,188 634,326 -1.8 B/S Third Party Fu
Slide 15: Key ratios – solid performances across major metrics
1Q2023 Financial Performance Key ratios – solid performances across major metrics HIGHLIGHTED RESULTS (%) 1Q22 1Q23 YoY 1Q22 2Q22 3Q22 4Q22 1Q23 QoQ CASA Ratio (Consolidated) 69.2 68.9 -0.3 69.2 69.2 70.9 72.4 68.9 -3.5 COF (Third Party Funds) 1.5 1.9 0.5 1.5 1.4 1.4 1.8 1.9 0.1 NIM 4.50 4.67 0.2 4.
Slide 16: Healthy growth from lower risk segments
1Q2023 Financial Performance Healthy growth from lower risk segments (IDR Tn) LOAN YIELD BY SEGMENT (%) – BANK ONLY GROWTH - % SEGMENT MAR-22 JUN-22 SEP-22 DEC-22 MAR-23 QoQ YoY SEGMENT 1Q22 2Q22 3Q22 4Q22 1Q23 Corporate Private 193.2 205.3 211.9 232.7 234.0 0.6 21.1 Blended Loan 7.29 7.43 7.51 7.76
Slide 17: Rp51.7 trillion loans disbursed in Q1-2023 (bank only)
1Q2023 Financial Performance Rp51.7 trillion loans disbursed in Q1-2023 (bank only) QoQ LOAN MOVEMENT (IDR Tn) LOAN DISBURSEMENT IN Q1-23 CAME FROM TOP TIER CLIENTS Corporate Enterprise 51.7 61.8 2.7 • Corporate : 27.0 Tn • Medium : 6.4 Tn 33% Enterprise : 4.3 Tn IDR IDR 642.6 Commercial : 2.1 Tn 47
Slide 18: Better asset quality drives lower provisioning charges
1Q2023 Financial Performance Better asset quality drives lower provisioning charges CONSOLIDATED PROFIT & LOSS (IDR Bn) 1Q22 1Q23 YoY (%) 1Q22 2Q22 3Q22 4Q22 1Q23 QoQ (%) Interest Income 12,174 15,019 23.4 12,174 13,356 13,740 15,389 15,019 -2.4 Interest Expense (2,943) (4,615) 56.8 (2,943) (2,978)
Slide 19: Seasonality in Fee Income due to Trading Activity
1Q2023 Financial Performance Seasonality in Fee Income due to Trading Activity BREAKDOWN NON-INTEREST INCOME (IDR Bn) FEE INCOME FROM BANKING ACTIVITIES GREW BY 7.4% YoY NON – INTEREST INCOME 1Q-22 2Q-22 3Q-22 4Q-22 1Q-23 QoQ - % YoY - % 3,998 3,484 3,443 3,977 3,998 3,218 Consumer Banking 1,623 1,7
Slide 20: Opex realignment to support transformation agenda
1Q2023 Financial Performance Opex realignment to support transformation agenda OPEX COMPOSITION (IDR Bn) COST TO INCOME RATIO & COST TO ASSET BANK ONLY - % OPERATING EXPENSES (OPEX) 1Q-22 2Q-22 3Q-22 4Q-22 1Q-23 QoQ - % YoY - % Personnel Expenses 2,939 2,902 3,242 3,374 3,122 -7.5 6.2 43.9 44.2 42.5
Slide 21: Liquidity buffer is temporarily parked on Central Bank placement
1Q2023 Financial Performance Liquidity buffer is temporarily parked on Central Bank placement GROWTH - % CONSOLIDATED BALANCE SHEET (IDR Bn) MAR-22 JUN-22 SEP-22 DEC-22 MAR-23 QoQ YoY Total Assets 931,983 946,495 943,608 1,029,837 1,012,363 -1.7 8.6 Placement with other banks & BI 58,255 48,575 25,1
Slide 22: Maintain a healthy CASA level
1Q2023 Financial Performance Maintain a healthy CASA level THIRD PARTY FUNDS (IDR Tn) THIRD PARTY FUNDS COMPOSITION GROWTH - % (IDR Tn) SEGMENT MAR-22 JUN-22 SEP-22 DEC-22 MAR-23 692,7 691,8 QoQ YoY 685,2 769,3 743,7 120 .0% 815 .0 CASA 479.5 479.0 485.7 557.3 512.5 -8.0 6.9 100 .0% 715 .0 615 .0 30
Slide 23: LCR and NSFR well above regulatory requirement (bank only)
1Q2023 Financial Performance LCR and NSFR well above regulatory requirement (bank only) short-term obligations have been well covered..... .... as well as for supporting long-term assets. 250.1% 226.0% 229.0% 230.2% 224.0% 224.2% 219.2% 219.0% 215.3% 203.4% 192.0% 195.0% 193.1% 185.0% 188.0% 189.0%
Slide 24: Asset Quality
1Q2023 Asset Quality PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 24
Slide 25: Improving risk profile of covid restructured book
1Q2023 Asset Quality Improving risk profile of covid restructured book (bank only) ASSIGNED LOAN LOSS RESERVE – COVID RESTRUCTURED LOAN COVID RESTRUCTURED LOAN (IDR Tn) % LOAN SEGMENT MAR-23 Amount Amount MAR-22 JUN-22 SEP-22 DEC-22 MAR-23 to LOAN by Stage LLR (%) by Coll LLR (%) (IDR Tn) (IDR Tn) C
Slide 26: Loan at Risk remains low (bank only)
1Q2023 Asset Quality Loan at Risk remains low (bank only) LOAN AT RISK INC COVID (IDR Tn) CURRENT RESTRUCTURED LOAN INCL COVID (IDR Tn) 150,4 147,3 143,8 135,7 130,3 121,1 119,4 102,8 102,4 96,4 91,6 91,0 86,9 80,5 73.5 74,0 62,2 57,3 26.9% 25.9% 25.2% 23.3% 22.1% 19.6% 19.3% 16.0% 16.3% 17.3% 16.1%
Slide 27: Loan at Risk & Provision Coverage
1Q2023 Asset Quality Loan at Risk & Provision Coverage LOAN QUALITY & RESTRUCTURED LOAN (IDR Tn) – BANK ONLY ASSIGNED LOAN LOSS RESERVE BY COLL & STAGE – % LOAN PROFILE MAR-22 JUN-22 SEP-22 DEC-22 MAR-23 YoY - % QoQ - % COLLECTABILITY MAR-22 MAR-23 STAGE MAR-22 MAR-23 Total Loans By Collectability C
Slide 28: SML, NPL, Write Off & Recovery
1Q2023 Asset Quality SML, NPL, Write Off & Recovery WRITE OFF & RECOVERY – BANK ONLY SPECIAL MENTION LOAN BY SEGMENT – BANK ONLY 41.5% 43.1% SEGMENT DEC-21 MAR-22 JUN-22 SEP-22 DEC-22 MAR-23 35.8% 32.8% 33.3% 34.3% 10,884 9,770 9,506 3,898 Corporate 5.5% 6.0% 5.2% 4.9% 4.3% 4.3% 20.1% 8,628 2,963 3,
Slide 29: Digital Initiatives
1Q2023 Digital Initiatives PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 29
Slide 30: We're triumphing on every customer touch points
1Q2023 Digital Initiatives We’re triumphing on every customer touch points Instead of focusing on a particular product, BNI believes in empowering digital solutions for every needs BNI Mobile Banking Merchant & QRIS Banking solutions on the palm of your hand Riding the “cashless transaction” waves I
Slide 31: Poised to be the main banking channel for customers
1Q2023 Digital Initiatives Poised to be the main banking channel for customers # REGISTERED USERS TRANSACTION (in Mn) FREQUENCY (in Mn) The 1st overall E-Banking Best Product and Business and 1st Phone Banking in Model of BNI Mobile the National Banking Industry Banking Innovation 24,3 % 52,0 % YoY
Slide 32: BNI Mobile Banking Super Apps Ecosystem
1Q2023 Digital Initiatives BNI Mobile Banking Super Apps Ecosystem We are accelerating digital services beyond transactions Through BNI Mobile Banking, we continue to expand our services leveraging our ecosystems (BNI Group, One Stop Comprehensive Financial Solutions for Retailers, and Global Partne
Slide 33: Branchless Banking
1Q2023 Digital Initiatives Branchless Banking EMPOWERING AGENTS WITH > 7.5K AGENTS ARE LOCATED IN FRONTIER, SOLID CONTRIBUTION TO FINANCIAL INCLUSION POWERFUL MOBILE AGENT APP REMOTE AND DISADVANTAGED AREAS 4.9k 171K +8,6% yoy 1.1k Agents 1.5k Spread Across: CHARGEABLE TRANSACTIONS AT AGENTS 6 Thous
Slide 34: Harnessing the power of open banking
1Q2023 Digital Initiatives Harnessing the power of open banking BNI OPEN API digitalservices.bni.co.id BNI API 280 services (approved by Utilized by regulator), the most compared to Recognized Globally 4.000++ partners peers WE OPTIMIZE ALL THREE POSSIBLE ROLES IN EVERY ECOSYSTEM OPTIMIZING API TO B
Slide 35: Solid Digital Solutions for Business Banking Clients
1Q2023 Digital Initiatives Solid Digital Solutions for Business Banking Clients #USER (in 000) Ample room for growth 32.9% BNIDIRECT WEB & MOBILE API SERVICES YoY ▪ Strong penetration rate in Corporate clients: 74% of total transaction value comes from Corporate Clients 101.8 76.6 ▪ Corporate Client
Slide 36: Spur Innovation for the clients' convenience
1Q2023 Digital Initiatives Spur Innovation for the clients’ convenience #USER (in 000) Comprehensive digital solutions Recently launched in 2022 Online Account Opening Transfer E-Payroll Billing Opening of BNI’s Current Account E-Tax Management Payment digitally Providing exceptional new features fo
Slide 37: Riding The Wave of E-commerce & Fintech Boom
1Q2023 Digital Initiatives Riding The Wave of E-commerce & Fintech Boom #TRANSACTION (in Mn) Number of Digital Clients 518 526 532 458 203 425 196 202 204 76% 320 69% 187 238 186 162 81 70 322 324 328 239 239 271 168 112 154 2020 2021 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 1Q22 1Q23 All Cash Management
Slide 38: Reliable transaction solution leads to a sticky relationship
1Q2023 Digital Initiatives Reliable transaction solution leads to a sticky relationship 218 205 206 199 204 206 190 191 194 62.9% 64.0% 181 59.2% 60.9% 55.6% 57.3% 52.7% 50.4% Mobile Banking 47.4% 44.6% user savings balances continue 137 131 115 114 121 125 to increase (reaching 64.0% of 85 86 96 10
Slide 39: Business and Consumer Banking
1Q2023 Business and Consumer Banking PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 39
Slide 40: High quality growth on business banking
1Q2023 Business & Consumer Banking High quality growth on business banking GROWTH (%) COMP NPL (%) BUSINESS BANKING (IDR Tn) MAR-22 JUN-22 SEP-22 DEC-22 MAR-23 QoQ YoY (%) MAR-22 JUN-22 SEP-22 DEC-22 MAR-23 Manufacturing 122.6 129.8 127.3 138.7 137.5 -0.9 12.2 26.7 4.9 4.6 4.8 4.1 4.2 Trading, Resto
Slide 41: Consumer Business
1Q2023 Business & Consumer Banking Consumer Business NPL MOVEMENT - % NPL % 3.7 3.6 3.7 3.6 Growth Compo- Product (IDR Bn) Dec-21 Mar-22 Dec-22 Mar-23 3.1 3.2 YoY % sition % Mar-22 Mar-23 3.0 2.9 2.8 2.6 2.6 2.6 2.6 2.3 2.2 2.2 Mortgage 49.6 50.5 53.5 54.5 8.0 48.1 3.0 2.8 2.2 1.7 1.7 1.6 1.7 Person
Slide 42: Well-established brand and strong consumer banking franchise
1Q2023 Business & Consumer Banking Well-established brand and strong consumer banking franchise MARKET SHARE IN KEY PRODUCTS Mortgages Personal Loan Credit Card 8.7% 12.2% 14.9% TOP-3 TOP-4 TOP-3 Extensive Lifetime Banking Partner Advisory & IT & digitalization Domestic Network Proposition proximity
Slide 43: ESG
1Q2023 ESG PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 43
Slide 44: Best In Class ESG
1Q2023 ESG Best In Class ESG Five Pillars of Sustainability, Aligning Business to UN SDGs First Mover and continue to be at the forefront of affecting sustainable finance BNI FOR INDONESIA ▪ Strengthening ESG Governance by establishing an ESG Environmental preservation, BNI is making Committee and d
Slide 45: Use of proceeds of 2022 Green Bond issuances
1Q2023 Management Highlight Use of proceeds of 2022 Green Bond issuances HIGHLIGHT OF THE ISSUANCE GREEN BOND FRAMEWORK USE OF PROCEED Proceeds will be used exclusively to finance/refinance Issued Date 21 June 2022 assets directly related to "Eligible Green Projects" in 81% accordance with the Green
Slide 46: Promoting Sustainability Linked Loan on Top of Sustainable Portfolio
1Q2023 ESG Promoting Sustainability Linked Loan (SLL) On Top of Sustainable Portfolio SUSTAINABLE PORTFOLIO IDR179.4 Tn OR 28.5% OF TOTAL LOAN (BANK ONLY) We continue to push ourselves in global sustainability agenda by introducing Sustainability Linked Loan (SLL) Socioeconomic Advancement Pollution
Slide 47: Sector Guides of Responsible Financing
1Q2023 ESG Sector Guides of Responsible Financing BNI CREDIT POLICY AGRICULTURE – PALM OIL COAL NO EXPOSURE IN The palm oil sector guide applies to all palm oil plantations, crude The coal financing guide applies to coal mining and its supporting palm oil mills, palm oil refiners, and traders busine
Slide 48: Best-in-class governance is a corporate priority
1Q2023 ESG Best-in-class governance is a corporate priority Top Management Good Corporate Governance Practices The Board of Commissioners Protection of minority 7 out of 10 are independent One share, one vote shareholders and commissioners initiatives to foster their involvement Audit Risk Monitorin
Slide 49: Embodying Sustainability Culture
1Q2023 ESG Embodying Sustainability Culture EMPLOYEE DIVERSITY PRODUCT/SERVICES WITH ENVIRONMENTAL IMPACT 3,243 units of ATM BNI Pandai Women Men for Disabilities Basic Saving account Gender 52% 48% Equipped with voice services bundled with card for to help people with visual and receiving social ph
Slide 50: BNI Cybersecurity Framework
1Q2023 ESG BNI Cybersecurity Framework People Process Technology Security Policy Security Assessment Cybersecurity & Data Protections Strong cyber security policy and data • Self-assessment by security and risk team Multi-layer security on the infrastructure and classification implementation. • Cybe
Slide 51: External Recognition of Our Best-in-Class ESG Practices
1Q2023 ESG External Recognition of Our Best-in-Class ESG Practices MSCI ESG RATING SUSTAINALYTICS MSCI Indonesia SUSTAINALYTICS ESG Leaders Index MSCI A MSCI TOP ESG Risk Rating 25.7 Medium Ranking INDUSTRY GROUP 404 out of 1001 3 Banks Risk ESG RATINGS Indonesia Negl. Low Med. High Severe UNIVERSE
Slide 52: About BNI
1Q2023 About BNI PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 52
Slide 53: Board of Director
1Q2023 About BNI Board of Director ROYKE TUMILAAR – PRESIDENT DIRECTOR ADI SULISTYOWATI – VICE PRESIDENT DIRECTOR ▪ President Director, PT. Bank Mandiri (Persero) Tbk (2019 – 2020) ▪ MD – Service and Network, BNI (2020) ▪ MD – Corporate Banking, PT. Bank Mandiri (Persero) Tbk (2018 – 2019) ▪ MD – In
Slide 54: Board of Director
1Q2023 About BNI Board of Director SIS APIK WIJAYANTO – ENTERPRISE & COMMERCIAL MUHAMMAD IQBAL – INSTITUTIONAL BANKING BANKING DIRECTOR DIRECTOR ▪ Institutional Banking Director, PT. Bank Negara Indonesia (Persero) Tbk (2020-2023) ▪ Enterprise & Commercial Banking Director, PT. Bank Negara Indonesia
Slide 55: Board of Commissioners
1Q2023 About BNI Board of Commissioners AGUS DERMAWAN WINTARTO MARTOWARDOJO PRADJOTO PRESIDENT COMMISSIONER/INDEPENDENT COMMISSIONER VICE PRESIDENT COMMISSIONER/INDEPENDENT COMMISSIONER ▪ Independent Commissioner, PT Sarana Multi Infrastruktur (2019 –present) ▪ President Commissioner, PT. Panah Pera
Slide 56: Board of Commissioners
1Q2023 About BNI Board of Commissioners ERWIN RIJANTO SLAMET – INDEPENDENT COMMISSIONER FADLANSYAH LUBIS – COMMISSIONER ▪ Deputy Governor of Bank Indonesia (2015 – 2020) ▪ Deputy Cabinet Secretary, Cabinet Secretariat of the Republic of Indonesia ▪ Executive Director of Financial System Surveillance
Slide 57: Network and Distribution
1Q2023 About BNI Network and Distribution BNI’s Multiple Touch Points for Individual and Corporate Customers Branchless Commercial SME Business Consumer Loan Outlets ATM Employee Banking Business Center Center (SBE) Center (SKK) (KC, KCP, KK) Mar-23 171.075 Mar-23 13.392 Mar-23 20 Mar-23 27 Mar-23 1
Slide 58: E-Banking (Bank Only)
1Q2023 About BNI E-Banking (Bank Only) MOBILE BANKING IS SET TO BECOME EXPANDING THE NETWORK OF BANKING SERVICES RESTRUCTURING THE DOMINANT BANKING CHANNEL LOAN FORBYCUSTOMERS SECTORS & ITS SCHEME TO UNBANKED PEOPLE THROUGH AGEN46 1Q22 2022 1Q23 YoY (%) 1Q22 2022 1Q23 YoY (%) BRANCHLESS BANKING # Ag
Slide 59: Subsidiaries
1Q2023 Subsidaries Subsidiaries GROUP STRUCTURE FINANCIAL HIGHLIGHTS (IDR Bn) Balanced Sheet Summary 20211) 20222) 1Q222) 1Q232) YoY Total Asset 25,796.2 38,234.4 25,876.5 39,352.4 52.1% Liabilities 18,221.5 25,955.2 18,544.0 26,833.5 44.7% Equity 7,574.7 12,279.3 7,332.5 12,518.8 70.7% MULTIFINANCE
Slide 60: Subsidiaries
1Q2023 Subsidaries Subsidiaries BNI LIFE** BNI SECURITIES CONSOLIDATED BNI MULTIFINANCE 61.2 17.5 394.0 395.6 0.67 1.6 297.9 1.47 38.9 0.86 0.04 -0.7 202.4 101.7 88.0 14.7 14.3 28.3 60.9 1.9 6.8 -115.0 4.3 -3.6 22,816 5,941 23,359 6,012 22,368 5,869 23,739 6,157 1,656 1,288 1,622 1,158 2,255 1,101 2
Slide 61: Capital Ratios are Well Above Minimum Requirement (Bank Only)
1Q2023 About BNI Capital Ratios are Well Above Minimum Requirement (Bank Only) REGULATORY REQUIREMENT 13.8% 2.5% Min. Total CAR (Capital Conservation based on Basel 3 Buffer) 1.5% (Capital Surcharge on Systemic Bank) 9.8 % CAR based on 9.8% (CAR based on Risk Risk Profile Profile) Notes: Countercycl
Slide 62: Basel 3 Capital Requirement and BNI Capital Realization
1Q2023 About BNI BASEL 3 Capital Requirement and BNI Capital Realization BBNI CAPITAL REALIZATION 2020 2021 2022 CAPITAL 2021 2022 1Q23 I Common Equity Tier I Capital (%) Minimum Requirement 7.8 10.3 10.3 a Add On based on Bank's Risk Profile 1.95% 1.80% 1.80% BNI Realization & Projection 16.4 16.0
Slide 63: BNI Shares & Rating
1Q2023 About BNI BNI Shares & Rating BBNI Shares Performance BBNI’s closed price March 31, 2023 was Rp9,350, grew 13.3% Year on Year Long Term Foreign Currency BBB- Long Term Local Currency BBB-/Stable ▪ Issued shares 18,648,656,458 shares Fitch Short Term Foreign Currency F3 ▪ Price [31 March 2023]
Slide 64: 5 Years Financial Data
1Q2023 5 Years Financial Data PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 64
Slide 65: 5 Years Financial Data (1)
1Q2023 5 Years Financial Data 5 Years Financial Data (1) Balance Sheet (IDR Billion) 2018 2019 2020 2021 2022 1Q22 1Q23 Total Assets 808,572 845,605 891,337 964,838 1,029,837 931.983 1,012,363 Placement with other-Banks & BI 39,324 47,777 61,329 92,290 51,569 58.255 60,099 Marketable Securities (mar
Slide 66: 5 Years Financial Data (2)
1Q2023 5 Years Financial Data 5 Years Financial Data (2) Financial Ratios - % 2018 2019 2020 2021 2022 1Q22 1Q23 CAPITAL Shareholders equity to total asset 13.7 14.8 12.7 13.1 13.6 13.8 14.3 Tier I - CAR (include operational risk) 17.4 18.7 15.7 17.7 17.5 17.3 19.7 Tier II - CAR (include operational
Slide 67: Equity Research Contact Details
1Q2023 Equity Research Contact Details Equity Research Contact Details NO BROKERAGE ANALYST EMAIL 1 Bahana Securities Yusuf Ade Yusuf.ade@bahana.co.id 2 BCA Sekuritas Johanes Prasetia johanes.prasetia@bcasekuritas.co.id 3 CGS-CIMB Handy Noverdanius handy.noverdanius@cgs-cimb.com 4 Ciptadana Sekurita
Slide 68: Investor Relations Division
PT. Bank Negara Indonesia (Persero) Tbk. Investor Relations Division Menara Astra Building, 32nd Floor Zone F Jl Jend Sudirman kav. 5 - 6 Jakarta 10220 T: 62-21-86656800 E: ir@bni.co.id Disclaimer This presentation has been prepared by PT. Bank Negara Indonesia (Persero) Tbk (the “Company”) for info
Slide 69: Thank You
Thank You PT BANK NEGARA INDONESIA (PERSERO) TBK. #BNIForStrongerIndonesia
PT Bank Negara Indonesia (Persero) — Q1 2023 Earnings Presentation on 6ix