Pt Bank Negara Indonesia (persero) Tbk Class B IDX:BBNI

PT Bank Negara Indonesia Persero Tbk : BNI GCG Annual Report 2025

Published

Source: MarketScreener

07

Best Achievements in Corporate Governance

650

Access to Company Information and Data

1037

Implementation

Governance Framework,

1082

Commitment to Sustainable Corporate Governance

651

Management, and Control of

Tax Aspects

Implementation

Anti-Money Laundering

1083

Correlation Between Corporate Governance Implementation and Bank Performance

655

Program, Counter Terrorism

Financing, and Prevention of Funding for the Proliferation of

Governance Framework

Corporate Governance

656

657

Weapons of Mass Destruction

(APU, PPT, and PPPSPM)

Structure and Mechanism

Anti Corruption Policy

1087

Continuous Improvement of GCG Implementation Quality

660

Anti-Gratification & Anti-Bribery Policy

1088

General Meeting of Shareholders

673

Procurement of Goods and/or Services

1092

Board of Commissioners

699

Company Code of Ethics

1097

Independent Commissioners

739

Provision of Funds for Social

1101

GOOD CORPORATE GOVERNANCE

Integrated Governance 1142

Implementation

Corporate Governance Aspects and Principles Implementation in Accordance with Financial Services

1152

Authority Regulations

Board of Directors 742

and Political Activities Provision of Funds for Related

1102

Implementation of Indonesian Corporate Governance

1160

Performance Assessment of

the Board of Directors and the Board of Commissioners

Nomination and Remuneration

806

811

Parties and Large Exposure

Providing Loans to Related Parties

1104

General Guidelines (PUGKI)

Implementation of The Asean 1185

Corporate Governance

Scorecard

the Board of Commissioners

Transparency of Financial and

1107

Governance Principles For

Diversity of the Board of

827

Non-Financial Conditions

Banks According To Basel

Commissioners and the Board

of Directors

Transparency of Customer Complaints Procedures and

1108

Committee on Banking

Supervision Standards

Disclosure of Affiliation

830

Customer Dispute Settlement

Relationships Among The

Board of Commissioners, Board of Directors, and

Integrity of Reporting and Information Technology Systems

1111

Controlling Shareholders

Conflict of Interest Policy

1112

Committees under the Board

833

(Including Insider Trading)

of Commissioners

Shares and Bonds Buyback

1114

Prosedur Penggantian Anggota Komite Di Bawah

906

Internal Deviations (Internal

1115

Komite Dewan Komisaris

Performance-based Long-Term

1118

of the Board of Directors and

Protection of Creditors' Rights 1106

Implementation of Corporate

1186

Supporting Organs of the Board of Commissioners

907

Fraud) Compensation Policy

Committees under the Board of Directors

911

on Board of Commissioners

Supporting Organs of the

951

Ownership and Its Application

Board of Directors

Violation Reporting System

1127

Internal Control System

996

(Whistleblowing System)

Risk Management System

1007

Bank's Strategic Plan

1131

Integrated Risk Management

1024

Reporting Transparency

1138

Governance

Management of State Officials'

1139

External Auditor

1028

Assets Reports (LHKPN)

Legal Cases

1031

Bad Corporate Governance

1141

Administrative Sanctions

1035

Practices

Disclosure of Information and Board of Directors Share

1123





2025

Performance

Management Report

Company Profile

Management Discussion and Analysis on Company Performance

Business Support Functions

Best Achievements in Corporate Governance Implementation



The consistency of BNI's commitment to implementing disciplined Good Corporate Governance ("GCG") practices across all business activities has strengthened BNI's position as a company with strong integrity and high business quality. Through the implementation of robust governance practices, in 2025 BNI once again succeeded in receiving a number of prestigious awards, including the following:

"Leadership in Corporate Governance - Big Cap"

The 16th IICD Corporate Governance Conference & Award 2025

ASEAN Asset Class Public Listed Company

ASEAN Corporate Governance Conference & Awards

July 2025

The Most Trusted Company pada Corporate Governance Perception Index 2025

Indonesia Excellence Good Corporate Governance Ethics pada Indonesia Excellence Good Corporate Governance Awards 2025

650

A Heart that Serves, Growing with Indonesia

Capital & Risk Management Practices

Good Corporate Governance

Social & Environmental Responsibility

ESG

Commitment

Financial Statements



Commitment to Sustainable Corporate Governance Implementation

BNI reaffirms its commitment, amid ongoing business model transformation and the evolving regulatory landscape in the banking sector and the state-owned enterprise environment, to positioning the implementation of Good Corporate Governance (GCG) principles as the fundamental foundation of all business activities. This commitment aims to strengthen performance and enhance the Bank's contribution, maximize value for shareholders and stakeholders, and safeguard BNI's longterm business sustainability. BNI's consistency in implementing and enforcing GCG principles across all operational activities is inseparable from the strong awareness of the Board of Commissioners, the Board of Directors, management, and all BNI Hi-Movers to continuously reinforce a healthy, adaptive, and integrity-driven GCG culture. This commitment is aligned with regulatory requirements, global best practices, and the continuously evolving expectations of stakeholders within the BNI ecosystem.

As the largest state-owned banks in Indonesia with global competitiveness, and with a strong commitment to the AKHLAK corporate values and the spirit of GCG, BNI emphasizes its dedication to meeting the expectations of financial regulators, which increasingly prioritize financial system stability and strengthened risk management. In broad terms, the governance outcomes expected by BNI through the consistent and robust implementation of GCG are as follows:

  1. Competitive and focused on long-term performance

  2. Ethical and responsible in conducting business

  3. Contributing positively to society and the environment

  4. Capable of resilience and sustainable growth (corporate resilience)

To ensure the successful implementation of GCG, the Board of Directors and the Board of Commissioners consistently exercise their leadership roles in a responsible and accountable manner. The full commitment of executive management and employees to the implementation of GCG and strengthening a culture of integrity within BNI is

demonstrated through the signing of the Integrity Pact by the Board of Directors, the Board of Commissioners, and all employees each year.

INTEGRITY AS A PILLAR OF A SUSTAINABLE STRATEGY

The Company believes that integrity is not merely a matter of compliance with applicable laws and regulations, but an integral component of its business strategy. The consistent application of integrity principles is reflected in decision-making processes, the execution of operational activities, and interactions with all stakeholders.

By positioning integrity as the foundation of both culture and strategy, the Company is able to safeguard its reputation, enhance operational effectiveness, and manage risks in a more prudent manner.

BOARD OF COMMISSIONERS INTEGRITY PACT

  1. Perform duties and responsibilities diligently, accurately, and with full accountability in accordance with the authority granted by the Articles of Association of PT Bank Negara Indonesia (Persero) Tbk (hereinafter referred to as BNI), while adhering to BNI's Core Values, Code of Ethics, internal regulations, applicable laws and regulations, as well as sound banking management principles.

  2. Create a work environment free from corruption, collusion, and nepotism (KKN) by promoting and supervising the implementation of the Anti-Bribery Management System (SMAP) and/ or Gratification Control, including policies, strategies, evaluations, and the adequacy of human resources in SMAP operations.

  3. Act objectively and adhere to ethical and moral values, fairness, transparency, consistency, while upholding honesty and commitment, and encourage all business partners to prioritize ethical, sound, and transparent business practices.

    651

    2025 Annual Report

    PT Bank Negara Indonesia (Persero) Tbk

    2025

    Performance

    Management Report

    Company Profile

    Management Discussion and Analysis on Company Performance

    Business Support Functions

  4. Refrain from all forms of conflicts of interest in performing duties and ensure that the independence of other BNI personnel remains unaffected.

  5. Actively and optimally contribute to preventing potential fraud, refraining from engaging in or tolerating any form of fraud within the workplace, and committing to reporting any suspected fraudulent activity (occurring within the organization and/or utilizing BNI's facilities) through the reporting channels provided by BNI.

  6. Willing to accept sanctions if, in the performance of duties and responsibilities as a BNI Employee, it is proven that the above commitments have not been fulfilled.

BOARD OF DIRECTORS INTEGRITY PACT

  1. Create a work environment free from corruption, collusion, and nepotism (KKN) by promoting and supervising the implementation of the Anti-Bribery Management System (SMAP) and/or Gratification Control, realized through activities such as, but not limited to, refraining from offering, promising, and/ or receiving any form of remuneration to or from customers, debtors, vendors, partners, collaborators, regulators/ supervisors, and/or other external or internal parties.

  2. Create a work environment free from corruption, collusion, and nepotism (KKN) by promoting and supervising the implementation of the Anti-Bribery Management System (SMAP) and/or Gratification Control, realized through activities such as, but not limited to, refraining from offering, promising, and/ or receiving any form of remuneration to or from customers, debtors, vendors, partners, collaborators, regulators/ supervisors, and/or other external or internal parties.

  3. Act objectively and adhere to ethical and moral values, fairness, transparency, consistency, while upholding honesty and commitment, and encourage all business partners to prioritize ethical, sound, and transparent business practices.

  4. Refrain from all forms of conflicts of interest in performing duties and ensure that the independence of other BNI personnel remains unaffected.

  5. Refrain from using the Company's information and data for personal gain or for the benefit of other parties, as prohibited by internal and external regulations, such as insider trading, misuse of company data, and similar activities.

  6. Make decisions with utmost caution (duty of care and loyalty) and professionalism in BNI's operational activities, including procurement of goods and services, human resource management, fund provision, and management of other business activities, in the best interest of BNI.

  7. Actively and optimally contribute to Preventing potential fraud, refraining from engaging in or tolerating any form of fraud within the workplace, and committing to report any suspected fraudulent activities (occurring within the organization and/ or involving BNI's resources) through the reporting channels provided by BNI.

  8. Willing to accept sanctions if, in carrying out my duties and responsibilities as a BNI employee, I am found to have failed to fulfill the commitments outlined above.

COMMITMENT TO THE IMPLEMENTATION OF THE GOOD CORPORATE GOVERNANCE INTEGRITY PACT

  1. To embrace and consistently implement the Core Values of AKHLAK, BNI's Code of Conduct, and BNI's Internal Provisions.

  2. To understand and comply with applicable regulations in carrying out duties in accordance with the principles of Good Corporate Governance.

  3. To uphold integrity and adhere to ethical, moral, and honest values

  4. To work professionally and with due diligence.

  5. To actively understand and take full responsibility for the tasks and roles assigned.

  6. To fully protect the confidentiality of Customer and Company data.

  7. To avoid using company funds, data, assets, customers, or other parties cooperating with BNI for personal or family interests that may harm BNI.

  8. To play an active role in preventing and eradicating fraud and to be willing to report any fraudulent activities within BNI.

  9. To create a work environment free from Corruption, Collusion, and Nepotism (KKN).

  10. To implement an Anti-Bribery Management System by avoiding gratuities, bribes, and extortion.

  11. To refrain from using personal funds as bridging funds and/or personal accounts for company operational activities.

  12. To avoid an excessive lifestyle.

  13. To safeguard BNI's and use social media responsibly.

652

A Heart that Serves, Growing with Indonesia