PT.

BANK NEGARA INDONESIA (PERSERO) TBK

CORPORATE PRESENTATION
1H-2016

PT Bank Negara Indonesia (Persero) Tbk

< BBNI.IJ >

Agenda
Page 2

Highlight Result 1H2016

BNI Update

Financial Performance 1H2016

Business & Consumer Banking

Appendix

About BNI

Macro Economy

5 years Financial Data

Highlight Result 2Q-2016

Page 3

Capital

Liquidity

Asset
Quality

Profitability &
Efficiency

P&L

ASSET

2013

2014

2015

1H2015

1H2016

Y.o.Y

Total Asset (IDR Billion)

386,655

416,574

508,595

430,966

539,140

25.1%

Loan (IDR Billion)

250,638

277,622

326,105

288,723

357,218

23.7%

Third Party Funds (IDR Billion)

291,890

313,893

370,421

327,260

391,490

19.6%

Net Interest Income (IDR Billion)

19,312

22,761

25,560

12,454

13,911

11.7%

Non Interest Income (IDR Billion)

5,467

6,998

7,282

3,443

4,432

28.7%

Net Profit (IDR Billion)

9,054

10,783

9,067

2,430

4,371

79.9%

NIM

6.2%

6.3%

6.4%

6.6%

6.1%

ROE

22.5%

23.6%

17.2%

9.5%

12.6%

ROA

3.4%

3.5%

2.6%

1.5%

2.2%

CIR

46.7%

43.8%

44.2%

43.8%

43.2%

BOPO

67.1%

68.0%

75.5%

87.4%

78.1%

NPL (Gross)

2.2%

2.0%

2.7%

3.0%

3.0%

NPL (Nett)

0.5%

0.4%

0.9%

0.8%

0.7%

128.5%

130.1%

140.4%

138.8%

142.8%

LDR

85.3%

87.8%

87.8%

87.6%

91.4%

LDR Rupiah

85.6%

86.7%

90.3%

90.2%

90.7%

LDR - FX

83.6%

94.5%

75.5%

75.3%

95.8%

Tier-1 CAR

14.2%

15.3%

17.0%

14.3%

16.9%

Total CAR

15.1%

16.2%

19.5%

17.1%

19.3%

Coverage Ratio

BNI Update
Page 4

Tax Amnesty

BNI is one of the state-owned banks appointed by government to manage

repatriated funds from a tax amnesty. Various Investment Product has prepared by
The Bank including by our subsidiaries (BNI Securities & BNI Asset Management)
The Risk Reviewer shall review industry behavior, deep dive borrowers
character, business anomalies, facility structure, and risk mitigation

Credit Process

Each branch with the authority to approve loan has its own internal control
unit, to manage risks as part of the risk management process
Set up distance limit allowed (10 km) for loan expansion in Small Loan Center as
part of loan monitoring strategy.
Establishment of Credit Administration Unit to be more focusing on Loan
Services Function

Infrastructure

Infrastructure development in Indonesia is on track and resulted higher

disbursement of infrastructure loan in our portfolio.

Single Digit

We lowering interest rate to single digit only for Small Loan with size up to Rp 5
billions. Total Loan, including KUR, with single digit interest rate only Rp 15,9
Trillions (4,4% from total)

BNI Update
Page 5

New Outlook for

2016

Current banking sector condition gives rational reason to set new outlook for
2016 with minor changes as follows
To be more efficient
To Increase Fee Based Income
To Increase Volume
To Continue to do conservative and proactive actions
To Maintain low cost of fund

Quality Growth

Loan Growth was higher than peers as the result of strategy to maximize BNI
Network & Distribution and deepening BNI Captive Market on SOE and
Government related

Asset Quality

NPL & Provisions increased due to downgrading of PT Trikomsel to NPL and

maintaining coverage at the level of 143%.

Restructured Loan

We still continue our conservative and proactive actions, hence, restructured

loan still increase.
Restructuring loan are focus on extending maturity.

PT. BANK NEGARA INDONESIA (PERSERO) TBK

FINANCIAL PERFORMANCE
1H-2016

Balance Sheet Highlight

Page 7

[Rp Billion]

2013

2014

2015

1H2015

1H2016

Total Assets

386,655

416,574

508,595

430,966

539,140

25.1%

Placement with other banks & BI

23,475

14,530

33,417

21,249

13,874

-34.7%

Marketable Securities [market value]

8,528

12,743

9,964

8,655

19,367

123.8%

44,884

43,830

47,222

43,960

61,045

38.9%

Loans (gross)

250,638

277,622

326,105

288,723

357,218

23.7%

Third Party Funds

291,890

313,893

370,421

327,260

391,490

19.6%

Deposits from other Banks

3,185

3,177

4,698

5,042

6,484

28.6%

Marketable Securities Issued

6,037

6,158

7,367

7,133

7,089

-0.6%

Borrowings

18,951

11,212

22,524

8,829

26,167

196.4%

Shareholders Equity

47,684

61,021

78,438

61,059

83,126

36.1%

Government Bonds

[market value]

Y.o.Y

Loan Composition
Page 8

Loan Composition [%. Rp Billion]

Segment

2013

2014

Loan by Currency (%)

2015

1H2015

1H2016

Growth
[YoY - %]

Compositio
n

72,874

80,239

74,566

89,639

20.2%

25.1%

SOE

43,849

46,841

57,671

50,542

65,021

28.6%

18.2%

Medium

30,722

40,324

51,147

43,341

58,331

34.6%

16.3%

Small

41,582

40,374

42,076

39,130

47,801

22.2%

13.4%

SUBTOTAL

184,538

200,413

231,133

207,579 260,792

25.6%

73.0%

Mortgage

31,733

33,341

34,664

33,091

35,576

7.5%

10.0%

Credit Card

5,489

7,777

9,789

9,405

10,063

7.0%

2.8%

Other
Consumer

10,310

10,906

13,087

10,997

15,332

39.4%

4.3%

SUBTOTAL

47,532

52,024

57,540

53,493

60,971

14.0%

17.1%

Overseas

7,234

10,082

19,538

10,828

16,284

50.4%

4.6%

Subsidiaries

11,334

15,103

17,896

16,822

19,171

14.0%

5.4%

TOTAL

250,638

288,723 357,218

23.7%

100.0%

Consumer

Business Banking

68,385

326,105

IDR

[%]

Corporate

277,622

Non IDR

15%

15%

14%

15%

13%

85%

85%

86%

85%

87%

2013

2014

2015

1H2015

1H2016

Average Yield on Loan (%) Bank Only

10.2

10.9

11.1

2013

2014

2015

11.3

10.7

2Q20152Q2016

Loan Quality Bank Only

Page 9

Special Mention by Segment [%, Rp Bn]

6,747

6,877

8,774

9,056

NPL Movement [Rp Bn]

10,363

663

6.8
4.3

4.7
3.7

2.8
2.2

4.0

3.5

4.6
4.0

2.82.4
2.3

1.5

3.0

2.6

2.0

1.5

0.3

2013

4.9

2014

0.2

2015

Consumer, 5.2
Middle, 5.1
Small, 4.7

3.3

0.4

5,152

1,972

4,720

Total SML,
3.1

Corporate, 1.3

Overseas, -

1H2015 1H2016

9,988

NPL by Segment [%]

5,198

412

8,315

8,114

9,988

8,315

6.8
5.4

5.3
5.1
3.1
1.7
1.2
1.2

2.2

2013

2.6
2.0
1.7

4.0
3.9
2.7

1.5
0.9

2014

2.3
2.2
0.8

2015

Small, 3.5
Middle, 3.2
3.0 Total NPL, 3.0
Corporate,
Consumer,
3.1
2.0
2.3
1.5
1.5
Overseas, 1.2

1H2015 1H2016

Beginning Downgrade
Balance
2016

Upgrade

Installment
& Paid Off

Write Off

Ending
Balance
1H2016

Loan Quality Bank Only

Page 10
Write Off (Rp Bn)
Recovery (Rp Bn)
Recovery vs Write Off

Write off & Recovery

76.6%

Coverage Ratio
142.8%

NPL (Rp Bn)

CKPN (Rp Bn)

72.1%

140.4%

14,262

Coverage Ratio

138.8%
11,678

56.6%

11,259

57.7%
2,396

130.1%

2,051
1,769

6,703

6,679

26.9%

128.5%

719
531
3,126
2013

3,552
2014

2,453
2015

1,270
2Q 2015

1,972

5,198

2Q 2016

2013

2014

2015

1H2015

1H2016

Write Off (Rp Bn)

3,126

3,552

2,453

1,270

1,972

Recovery (Rp Bn)

2,396

2,051

1,769

719

531

Write Off /
Recovery

76.6%

57.7%

72.1%

56.6%

26.9%

2013

5,152
2014

8,315
2015

8,114
2Q 2015

9,988
2Q 2016

2013

2014

2015

1H2015

1H2016

NPL (Rp Bn)

5,198

5,152

8,315

8,114

9,988

CKPN (Rp Bn)

6,679

6,703

11,678

11,259

14,262

128.5%

130.1%

140.4%

138.8%

142.8%

Coverage Ratio

Progress on Loan Restructuring

Page 11

Type of Loan Restructuring [Rp Bn]

Loan Restructuring by Collectibility [Rp Bn, %]

29,871

Extension of Loan Maturity, Reduction

of Interest Rates and Others
Extension of Loan Maturity and
Reduction of Interest Rates

6,899
20,707

22,437

15,200

21.4%

Extension of Loan Maturity

11,183

6,364

6,345

7,470

5,350

4,933

443
1,106

497
933

3,180

3,213

2013

2014

2015

1Q2016

20,707

22,437

29,871

18.4%

18.3%

18.2%

15.0%

9.8%

12.0%

16.2%

NPL

15.5%

Special
Mention

30.1%

11,753
9,185

6,899

6,364

Pass

71.7%

69.7%

65.6%

69.5%

2014

2015

1Q2016

1H2016

48.5%
5,485

Profile of Restructured Loan [2Q2016]

100%

Rp 15,2T or 50,9% is combination of

extensions of loan maturity, reduction
interest rate & others
69,5% of Restructured Loan is in Pass
Category (Cat.1)

90%

Manufacturing (22,8%), Mining (17,9%)

and Trading, Resto & Hotel (17,3%) are
Top-3 dominated sectors

50%

Rupiah & Working Capital Loan are

majority of our Restructured Loan
Corporate and Medium are most
dominated segment

80%

1H2016

Agriculture 11.5%
Mining 13.1%

2013

SGD [VALUE]
USD
22.7%

40%
30%
20%

Medium
27.3%
Investment
46.4%

70%
60%

Consumptive 4.7%

Manufacturing 24.0%

Trading Resto & Hotel

15.2%

Transportation Warehouse
& Communications 10.0%

Rupiah
77.3%
Working Capital
48.9%

Electricity Gas & Water 1.3%

Others 5.0%

Small
10.9%

Corporate
57.1%

Construction 10.7%

10%
Business Services 9.1%

Consumer 4.7%

0%
Sectors

Currency

Type of Loan

Segmentation

Third Party Funds

Page 12

291,890

By Type [Rp Billion]

68.5%

313,893

370,421

64.5%

61.1%

63.2%

144,161

391,490

60.4%

155,032

120,309

111,371

91,907

Time Deposit
Saving

111,800

135,065

119,779

116,167

141,055

Current Account
CASA Ratio

88,183

82,743

91,194

90,784

95,402

2013

2014

2015

1H2015

1H2016

By Currencies (%)

Cost of Fund Third Party Fund [%] Bank Only

Non IDR

16%

327,260

14%

16%

17%

IDR

3.2

13%

3.1

3.2

3.1

2.4
84%

86%

84%

2013

2014

2015

83%

87%

1H2015 1H2016

2013

2014

2015

1H2015 1H2016

CASA Fund grew 14.3% and Third Party Fund grew 19.6% with Cost Of Fund at 3.1%

Profit & Loss Highlight

Page 13

[Rp Billion]

2013

2014

2015

1H2015

1H2016

Y.o.Y

Interest Income

26,705

33,750

36,895

17,874

20,520

14.8%

Interest Expense

(7,392)

(10,989)

(11,335)

(5,419)

(6,609)

22.0%

Net Interest Income

19,312

22,761

25,560

12,454

13,911

11.7%

494

132

826

351

151

-57.0%

Non Interest Income

5,467

6,998

7,282

3,443

4,432

28.7%

Recovery

2,138

1,856

1,590

691

520

-24.8%

27,411

31,748

35,258

16,940

19,014

12.2%

(13,485)

(14,760)

(16,510)

(7,853)

(8,779)

11.8%

Pre-Provision Income

13,926

16,988

18,748

9,087

10,235

12.6%

Provisioning

(2,708)

(3,642)

(7,336)

(5,999)

(4,732)

-21.1%

59

178

54

13

(3)

11,278

13,524

11,466

3,101

5,500

77.4%

9,054

10,783

9,067

2,430

4,371

79.9%

486

578

487

130

234

79.9%

Premium Income Net

Operating Income
Operating Expense

Non Operational Inc/(Exp)

Net Income before Tax
Net Income
Net Income Per Share (full amount)

Non Interest Income

Page 14

Breakdown [Rp Billion, %]

Breakdown Non Interest Income [Rp

5,467

6,998

7,282

3,443

4,432

12.0%

10.9%

8.5%

10.0%

7.8%
6.0%

9.9%

8.4%

9.7%
9.8%

7.1%

9.6%
7.2%

18.1%

2013

2014

6,359
639

6,799
483

3,137
306

4,193
240

33.7%
-21.6%

Total

5,467

6,998

7,282

3,443

4,432

28.7%

Total = Rp 4,193 Billion

Marketable
Securities
19%

Card Business
14%

Forex Gain
4%

Debit Card
Maintenance
3%

66.3%

ATM
12%
Bank
Guarantee
4%

Account
Maintenance
16%

Others

Forex Gain

2015
Gain/Loss on MS

Growth

5,245
223

76.1%

2014

1H2016

Breakdown recurring fee

12.8%

73.2%

2013

1H2015

Recurring Fee
Non Recurring Fee

68.2%

68.5%

2015

Billion]

1H2015 1H2016
Provision & Commissions

Custody &
Syndication
4%

Bancassurance
4%

Others
7%

Trade Finance
9%
Transfer & Bill
Remittance Payment
2%
2%

Operating Expense
Page 15

Key highlights of OPEX [Rp Billion]

Cost to Income Ratio Bank Only [%]

46.7

13,485

14,760

10.5%
3.8%
6.9%

9.2%
4.0%
5.7%

16,510

7,853

10.4%
1.1%
3.6%
5.4%

11.6%
3.9%1.2%
4.1%

8,779

45.9%

44.6%

45.7%

44.2

43.8

43.2

2014

2015

1H2015

1H2016

10.7%
1.7%
4.1%
3.7%

2013
45.1%

43.8

46.7%

Breakdown General & Administrative Expenses

Total = Rp 2,903 Billion

33.7%

34.5%

34.9%

Communicatio
ns
15%

Outsourcing
19%

33.6%

33.1%

Depreciations
16%

Rental
Expenses
20%

2013

2014

G&A
Promotion Exp
OJK Fee

2015

1H2015

1H2016

Personel Exp
Gtee Premium to LPS
Others

Others
4%

Repairs &
Maintenance
8%
Office Utilities
& Trans
9%

Office Supplies
9%

PT. BANK NEGARA INDONESIA (PERSERO) TBK

BUSINESS & CONSUMER

BANKING

Corporate Business
Page 17

Infrastructure Loan (Rp Billion)

By Sector Economy
Sectors *)
(Rp Billion)

Manufacturing

Trading, Resto & Hotel

Agriculture

2013

2014

2015

1H2015

1H2016

Growth
Y.o.Y

Compos
ition

32.412

36.625

50.703

41.146

49.445

20,2%

28,9%

8.499

7.462

7.838

7.995

8.441

5,6%

4,9%

14.288

19.779

23.307

19.210

30.302

57,7%

17,7%

Business Services

12.715

13.283

13.868

13.272

17.038

28,4%

10,0%

Transport, Warehouse
and Communications

14.652

14.921

17.694

16.042

19.598

22,2%

11,5%

Construction
Electricity, Gas and
Water

2.803

2.477

6.643

4.215

8.949

112,3%

5,2%

12.346

13.682

17.605

14.726

22.221

50,9%

13,0%

53.054

54.119

66.193

62.328

13%
17%
19%

15%
17%
19%
27%

15%
19%
14%
22%

15%
19%

26%

17%
19%
17%
18%

26%

23%

29%

30%

27%

2013

2014

2015

1H2015

1H2016

Telecommunication
Toll Road & Construction
Power Plant

77.261

25%
14%

Transportation
Oil & Gas

By Currency [%]

Foreign Currency
Rupiah

30%

30%

27%

28%

26%

70%

70%

73%

72%

74%

2013

2014

2015

1H2015

1H2016

Investment

By Type [%]
14.151

16.435

13.064

14.069

9.408

-33,1%

5,5%

Social Services

1.054

1.392

1.801

1.345

1.826

35,8%

1,1%

35%

38%

39%

38%

41%

Others

6.547

3.741

4.922

3.917

3.717

-5,1%

2,2%

65%

62%

61%

62%

59%

119.468

129.797

157.446 135.936

170.944

25,8%

100,0%

2013

2014

2015

1H2015

1H2016

Mining

Total Corporate & SOE

*) including Overseas

Working Capital

Medium Business
Page 18

By Currency [%]

By Sector Economy
Sectors
(Rp Billion)

2013

2014

2015

1H2015

1H2016

Growth
Y.o.Y

Compo
sition

Manufacturing

9.376

11.929

14.086

12.413

16.470

32,7%

28,2%

Trading, Resto &

Hotel

7.894

11.196

15.043

12.522

18.143

44,9%

31,1%

Agriculture

1.486

1.838

2.197

1.826

2.304

26,1%

3,9%

Business Services

2.270

3.436

5.111

4.329

5.576

28,8%

9,6%

6%

6%

5%

6%

4%

94%

94%

95%

94%

96%

2013

2014

2015

1H2015

1H2016

Rupiah

Average Balance per Customer

2.899

3.922

4.566

3.834

5.267

37,4%

9,0%

Construction

4.199

4.625

5.567

4.859

5.824

19,9%

10,0%

Electricity, Gas and

Water

26

23

19

Transport, Warehouse
and Communications

Foreign Currency

2013

24

(Rp. Billion)

27

2014

2015

1H2015

1H2016

30%

28%

32%

30%

33%

70%

72%

68%

70%

67%

2013

2014

2015

1H2015

1H2016

By Type [%]
342

462

771

556

632

13,7%

1,1%

Mining

1.247

1.670

1.668

1.600

1.560

-2,5%

2,7%

Social Services

1.009

1.246

2.137

1.402

2.554

82,1%

4,4%

Total Medium

30.722

40.324

51.147

43.341

58.331

34,6%

100,0%

Working Capital Medium

Investment Medium

Small Business
Page 19

Government Program

By Sector Economy

114

Sectors
(Rp Billion)

Manufacturing

Trading, Resto & Hotel

Compo
sition

101

2013

2014

2015

1H2015

1H2016

Growth
Y.o.Y

3.826

3.579

3.949

3.557

4.397

23,6%

9,2%

4,821

3,985

5,100

2,994

9,818

22.923

22.744

24.413

21.990

29.405

33,7%

61,5%

2013

2014

2015

1H2015

1H2016

79
61

68

Govt. Program (Rp Bn)

Agriculture

2.816

2.483

2.491

2.380

2.736

15,0%

5,7%

Business Services

5.205

5.216

5.073

5.083

5.024

-1,2%

10,5%

Customers (000)

Average Balance per Customer

(Rp. Million)

541
430

Transport, Warehouse
and Communications

1.330

1.317

1.339

1.243

1.396

12,3%

2,9%

Construction

2.613

2.175

2.177

2.108

2.278

8,0%

4,8%

Electricity, Gas and

Water
Mining
Social Services

Others
Total Small

94

70

53

64

52

-19,3%

291

312

2013

2014

318

2015

1H2015

1H2016

0,1%

By Type [%]
262

279

249

264

224

-15,3%

0,5%

2.488

2.484

2.323

2.388

2.289

-4,2%

4,8%

23

29

51

-100,0%

0,0%

41.582

40.375

42.076

39.130

47.801

22,2%

100,0%

15%

15%

15%

15%

14%

85%

85%

85%

85%

86%

2013

2014

2015

1H2015

1H2016

Working Capital Small

Investment Small

Consumer Business
Page 20

Product
(Rp Billion)

2013

2014

2015

1H2015

GROWTH
[YoY - %]

1H2016

Compos
ition
[%]

Mortgage

31,733

33,341

34,664

33,091

35,576

7.5%

58.3%

Auto Loan

5,821

6,041

5,379

5,845

4,974

-14.9%

8.2%

Credit Card

5,489

7,777

9,789

9,405

10,063

7.0%

16.5%

Multi Purpose

138

82

55

67

46

-31.3%

0.1%

Cash Collateral

665

576

603

556

601

8.1%

1.0%

Payroll

926

1,265

3,923

1,516

6,637

337.8%

10.9%

Others

2,760

2,942

3,126

3,012

3,068

1.9%

5.0%

47,532

52,024

57,540

53,493

60,971

14.0%

100.0%

Total Consumer

NPL by product (%)

2.3
1.8
1.4
0.9

32,498

9,938

1,665

33,006

11,693

1,664
15,920

36,638

1,684
16,226
11,702
8,772

5,271

13,037

10,139

11,073

2013

2014

2015

10,426

1H2015

1.2

1.6

0.5

1.0

2013

2014
Mortgage

2015

1H2015

Credit Card

1H2016
Payroll

In 2016, Consumer Business will focus on

36,284

7,442

6,757

2.6

2.4
2.3

0.6

1.

Payroll loan due to lower penetration

and many opportunity from payroll
through BNI

2.

Credit Card and Mortgage

3.

Increase transaction volume through

e-channel optimization

4.

Maintain NIM and NPL

24,716
1,650

3.0

Acquiring Business

Debit & Credit Cards Performance

1,616
20,228

2.7
2.6

11,771

1H2016

Credit Card Accts (000)

Debit Card Accts (000)

DC Trx Vol (Rp Bn)

CC Trx Vol (Rp Bn)

56,272

71,007

95,721

76,075

111,867

2013

2014

2015

1H2015

1H2016

Number of EDC

Sales Vol (Rp Bn)

E-Banking
Page 21

ATM

#ATM (000)

#Transaction (Million)

14.1

#Trx Value (Rp Triliun)

851

14.4

14.1

750

14.6
619

11.2

388

2013

2014

2015

2Q 2015 2Q 2016

2013

2014

2015

442

350

2Q 2015 2Q 2016

2013

534

424

228

2014

2015

SMS Banking

SMS Banking

SMS Banking

#User (million)

#Transaction (Million)

#Trx Value (Rp Triliun)

4.7

5.5

6.2

134

2014

2015

2Q 2015 2Q 2016

2013

17

185
115

2014

2015

261

Total Fee Income related

to E-Banking
(Rp Billion)

2Q 2015 2Q 2016

1,114

26

257

5.0

3.5

2013

E-Banking fees a significant

and growing part of our Non
Interest Income

ATM

ATM

18

18
11

151

793

2Q 2015 2Q 2016

2013

2014

2015

2Q 2015 2Q 2016

592

552

Internet Banking

Internet Banking

Internet Banking

#User (000)

#Transaction (Million)

#Trx Value ( Rp Triliun)

1,294
1,046

820

2013

68

928

611

2015

2Q 2015 2Q 2016

53

20
9

2014

528

2013

14

2014

2015

13

2Q 2015 2Q 2016

46

38

2013

32

2014

2015

2Q 2015 2Q 2016

2013

2014

2015 1H2015 1H2016

PT. BANK NEGARA INDONESIA (PERSERO) TBK

ABOUT BNI

Board of Directors
Page 23

Achmad Baiquni
President Director

Suprajarto
Vice President Director

Previously: CFO of BRI, MD of

BNI

Previously: MD of BRI

Rico Budidarmo
MD Finance [CFO] &
Credit Risk
Previously: MD of BTN

Bob Tyasika Ananta

MD Planning & Banking
Operation
Previously: GM Strategic Planning,
GM International Division

Herry Sidharta
MD Corporate Banking
Previously: Director of
JAMKRINDO

Adi Sulistyowati
MD Institutional Relations &
Transactional Banking
Previously: GM Network, Region Head

Anggoro Eko Cahyo

MD Consumer Banking
Previously: GM Human Capital,
Region Head

Imam Budi Sarjito

MD Compliance & Enterprise
Risk
Previously: GM Enterprise Risk Mgt,
Commissioner of BNI Syariah

Putrama Wahju Setyawan

MD Middle Banking

Panji Irawan
MD Treasury & international

Previously: SEVP of BNI

Previously : GH Treasury of PT Bank

Mandiri Tbk

Board of Commissioners
Page 24

Hartadi A. Sarwono *)
President Commissioner

Pradjoto
Vice President Commissioner

Previously: President Director LPPI

Previously: Commissioner of Bank

Mandiri 2005-2015

Kiagus Ahmad Badaruddin

Commissioner

Pataniari Siahaan
Commissioner

Anny Ratnawati
Independent Commissioner

Currently: Secretary General of

Ministry of Finance

Currently: Lecturer at University of

Trisakti

Previously: Deputy Ministry of

Finance, 2010-2014

Revrisond Baswir
Commissioner

Bistok Simbolon *)
Commissioner

Currently: Head of Population Economy

Studies, University of Gadjah Mada,
Commissioners of PTPN XI

Currently: Deputy Cabinet Secretary

Republik of Indonesia

Wahyu Kuncoro *)
Commissioner

Joni Swastanto *)
Commissioner

Currently: Deputy Ministry of SOE;

Commissioners of PT Angkasa Pura II

Currently: Head of Licensing and

Banking Information OJK

Network & Distribution

Page 25

BNIs multiple touch points for individual and corporate customers

Mobile
banking

ATMs
(16.279)

Call Center

Outlets
(1871)

Consumer loan
centers
(12)

Small business
centers
(58)

Overseas offices
Singapore (Nov 1955)
Hong Kong (Apr1963)
Tokyo (Sep 1969) & Osaka (2013)
London (1987)
New York Agency (Apr 1971)
Seoul (2015)

Indonesia (1864 Outlets)

Individual customer highlights

Medium business
centers
(24)

BNI has also entered into

key arrangements with
prominent companies for
payment channeling,
financing, loan
distribution, and
network/outlet
development

Corporate/SME customer highlights

18,9 mn deposit accounts

415.632 corporate deposit accounts

1,7 mn credit cards

2.119 corporate borrowers accounts

165.797 mortgage customers

115.426 SME lending accounts

Platform for efficient and effective cross-selling of products and services

BNI Ratings
Page 26

Fitch Rating

Standard & Poor's

Long Term Issuer Default Rating

Short Term Issuer Default Rating
Local Currency Long Term Issuer Default Rating
National Long Term Rating
National Short Term Rating
Viability Rating
Support Rating
Support Rating Floor
Counterparty Credit Rating
ASEAN Regional Scale
Senior Unsecured

Moody's

Outlook
Bank Deposits
Baseline Credit Assessment
Adjusted Baseline Credit Assessment
Senior Unsecured

Pefindo

Corporate Rating
Outlook

BBBF3
BBBAA+(idn)
F1+(idn)
bb+
2
BBBBB/Positive/B
axBBB/--/axA-3
BB

Stable
Baa3/P-3
Ba1
Ba1
Baa3
idAAA

Stable

BNI Shares
Page 27

BBNI shares performance

BBNI Public Ownerships [40.00%]

Individual
Domestic
5%

Cooperation
0%

Foundation
2%

Pension Fund
2%

Bank
0%

Insurance
6%

Institution Domestic
7%
Institution Foreign
70%

Other Institution
0%
Mutual Fund
9%

Individual Foreign
0%

As June, 2016

BNIs close price June 30, 2016 (Rp 5,200) was 2% lower than June 30, 2015
(Rp 5,300)

Issued shares 18.648.656.458 shares

Price [June 30, 2016] : Rp 5,200
Market Capitalization : Rp 96.9 trillion [+/- US$ 7,3 billion]

Ownerships

Government RI

60.00%

Public Domestic

11.80%

Public - Foreign

28.20%

PT. BANK NEGARA INDONESIA (PERSERO) TBK

MACRO ECONOMY

Macro & Banking Sector

Page 29

Indonesia Trade Balance

GDP Component by Expenditure

(in USD Billion)

5.58%
5.02%

5.04%

1.30

4.92%

1.08

Private Consumption
Govt. Spending

55%
9%

55%
10%

58%
10%

58%

Fix.Cap. Formation

7%

Export

33%

33%

35%

36%

Import

25%

24%

21%

-24%

-24%

-21%

19%
-19%

2013

2014

2015

1Q2016

Exchange Rate

0.67

0.66 1.02
0.48

0.43
0.47

0.64

0.49
(0.23) 0.05

Interest Rate and Inflation

%YoY
8.38

13,795

YoY Inflation

8.36

7.50

7.50

7.25

7.75

13,276

7.00

BI Rate

6.75

12,171

4.14

4.42

7-day (Reverse) Repo Rate

6.75

6.75

5.50

5.50

99

112

106

108

110

2013

2014

2015

1Q 2016

2Q2016

3.35
2013

2014

2015

Jan-16

Feb-16

6.50
5.25

4.45
3.60

Source: Bank Indonesia, BPS

0.37

(0.41)

13,180

12,388

0.90

(0.43)

Foreign Reserve (in USD Billion) and

Exchange Rate (in IDR/USD)
Foreign Reserve

1.14

1.02

Mar-16

Apr-16

3.33

3.45

May-16

Jun-16

Banking Sector Highlights

Page 30

Macro & Banking Assumptions

Banking Sector Highlights in IDR Trillion

Total Assets

Dec-14 May-15 Dec-15 May-16

YoY

4.954

5.615

5.838

6.133

6.243

6,9%

GDP Growth (%)

5.0 5.5
4.0 5.0

MACROECONOMIC

Total Loan

3.293

3.674

3.757

4.058

4.070

8,3%

Inflation (%)

Total
Deposits

3.664

4.114

4.232

4.413

4.508

6,5%

Currency (IDR/USD)
BI Rate (%)

NIM

2016
BNI VIEW

Dec-13

4. 9%

4.2%

5.3%

5,4%
2.5%

5.6%
3.1%

BANKING SECTOR

13.000 14.000
6.0 6.5
2016
BNI VIEW

NPL

1.8%

2.4%

2.6%

LDR

89.7%

88.6%

88.7%

92,1% 90.3%

Loan Growth (%)

12.0 15.0

CAR

18.1%

19.8%

20.5%

21,4% 22.4%

Deposit Growth (%)

11.0 14.0

Source: Bank Indonesia & BNI estimate

As of May 2016, Indonesia Banking Loan grew at 8,3% yoy and Deposit only grew at 6,5% yoy resulted on
Assets of Indonesia Banks grew 6,9% yoy
Industry NPLs as of May 2016 jump to 3.1% from 2.5% year to date

NIM increase 20 bps to 5,6% in May 2016 compare to December 2015 level (5,4%)

PT. BANK NEGARA INDONESIA (PERSERO) TBK

5 YEARS FINANCIAL DATA

Balance Sheet
Page 32

(Rp Billion) Cumulative

2011

2012

2013

2014

2015

1H2015

1H2016

Y.o.Y

Total Assets

299,058

333,304

386,655

416,574

508,595

430,966

539,133

25.1%

49,329

32,621

23,475

14,530

33,417

21,429

13,874

-34,7%

7,668

9,817

8,528

12,743

9,964

8,655

19,367

123.8%

36,958

38,561

44,884

43,830

47,222

43,960

61,045

38.9%

Loans [gross]

163,533

200,742

250,638

277,622

326,105

288,723

357,218

23.7%

Third Party Funds

231,296

257,661

291,890

313,893

370,421

327,260

391,490

19.6%

7,019

3,245

3,185

3,177

4,698

5,042

6,484

28.6%

265

4,769

6,037

6,158

7,367

7,133

7,089

-0.6%

8,726

8,750

18,951

11,212

22,524

8,829

26,167

196.4%

37,843

43,525

47,684

61,021

78,438

61,059

83,126

36.1%

Placement with other banks & BI

Marketable Securities [market value]
Government Bonds [market value]

Deposits from other Banks

Marketable Securities Issued
Borrowings
Shareholders Equity

Profit & Loss

Page 33

1H2015

1H2016

Y.o.Y

36,895

17,874

20,520

14.8%

(10,989)

(11,335)

(5,419)

(6,609)

22.0%

19,312

22,761

25,560

12,454

13,911

11.7%

256

494

132

826

351

151

-57.0%

4,851

5,217

5,467

6,998

7,282

3,443

4,432

28.7%

1,712

2,038

2,138

1,856

1,590

691

520

-24.8%

19,887

22,972

27,411

31,748

35,258

16,940

19,014

12.2%

(10,224)

(11,805)

(13,485)

(14,760)

(16,510)

(7,853)

(8,779)

11.8%

9,663

11,166

13,926

16,988

18,748

9,087

10,235

12.6%

(2,421)

(2,525)

(2,708)

(3,642)

(7,336)

(5,999)

(4,732)

-21.1%

219

259

178

54

13

(3)

-%

Net Income before Tax

7,461

8,900

11,278

13,524

11,466

3,101

5,500

77.4%

Net Income

5,826

7,046

9,054

10,783

9,067

2,430

4,371

79.9%

312

378

486

578

487

130

234

79.9%

[Rp Billion]

2011

2012

2013

2014

Interest Income

20,692

22,705

26,705

33,750

Interest Expense

(7,496)

(7,246)

(7,392)

Net Interest Income

13,196

15,459

128

Non Interest Income

Recovery

Premium Income Net

Operating Income
Operating Expense
Pre-Provision Income
Provisioning
Non Operational Inc/(Exp)

Net Income Per Share (full amount)

59

2015

Financial Ratios
Page 34

[%]

2011

2012

2013

2014

2015

1H2015

1H2016

CAPITAL
Shareholders equity to total assets

13.0

13.4

12.7

14.3

15.3

13.9

15.4

Tier I CAR (include operational risk)

15.9

15.2

14.2

15.3

17.0

14.3

16.9

Tier II CAR (include operational risk)

1.8

1.5

0.9

0.9

2.5

2.8

2.4

17.6

16.7

15.1

16.2

19.5

17.1

19.3

Net Non Performing Loan

0.5

0.8

0.5

0.4

0.9

0.8

0.7

Gross Non Performing Loan

3.6

2.8

2.2

2.0

2.7

3.0

3.0

120.8

123.0

128.5

130.1

140.4

138.8

142.8

Total CAR (credit, market + operational risk)

ASSET QUALITY

Allowance for possible loan losses to gross NPL

YoY

Financial Ratios
Page 35

2011

2012

2013

2014

1H2015

1H2016

ROA

2.9

2.9

3.4

3.5

2.6

1.5

2.2

ROE

20.1

20.0

22.5

23.6

17.2

9.5

12.2

6.0

5.9

6.2

6.3

6.4

6.6

6.1

Cost to Income Ratio

49.8

49.5

46.7

43.8

44.2

43.8

43.2

Operating Expense to Operating Income

[BOPO]

72.6

71.0

67.1

68.0

75.5

87.4

78.1

70.4

77.5

85.3

87.8

87.8

87.6

91.4

Statutory Reserve Requirement (Rupiah)

8.7

8.5

8.1

8.1

9.2

8.1

6.5

Net Open Position

2.8

2.1

3.4

1.6

1.7

3.6

1.7

[%]

2015

RENTABILITY *)

Net Interest Margin

EFFICIENCY

LIQUIDITY
Loan to Deposit Ratio

COMPLIANCE

*)

Based on BI Formula Bank Only

YoY

PT. BANK NEGARA INDONESIA (PERSERO) TBK

THANK YOU

Disclaimer: This report has been prepared by PT Bank Negara Indonesia (Persero) Tbk (Bank BNI) independently and is circulated for the purpose of general information only, It is not intended to the specific person who may receive this report, The information in this
report has been obtained from sources which we deem reliable, No warranty (expressed or implied) is made to the accuracy or completeness of the information, All opinions and estimations included in this report constitute our judgment as of this date and are subject
to change without prior notice, We disclaim any responsibility or liability without prior notice of Bank BNI and/or their respective employees and/or agents whatsoever arising which may be brought against or suffered by any person as a result of acting in reliance upon
the whole or any part of the contents of this report and neither Bank BNI and/or its affiliated companies and/or their respective employees and/or agents accepts liability for any errors, omissions, negligent or otherwise, in this report and any inaccuracy herein or
omission here from which might otherwise arise,

PT Bank Negara Indonesia (Persero) Tbk

Investor Relations Group
Corporate Secretary & Communications Division,
BNI Building, 24th Floor
Jl Jend Sudirman kav. 1 Jakarta 10220
T: 62-21-5728449
F: 62-21-5728053
E: investor.relations@bni.co.id