Corporate Presentation

FY-2014

11 Maret 2015

PT Bank Negara Indonesia (Persero) Tbk

< BBNI.IJ >

 Agenda

Macro, Banking
Financial
Sector & Business Focus
Perfomance
Management & Strategy
FY-2014
Focus 2014

Page 2
Macro, Banking Sector & Management Focus
 Macro & Banking Sector

GDP Component by Expenditure Indonesia Trade Balance

(in USD Billion)
6,5% 6,2%
5.8% 6,0%
$1.512
95%

5,6% 5,0%
75%

26% 24% 22% 24% 22%

5,0%

Export
55%

32% 33% 31% 32% 32% 4,0%

Fixed Cap
9% 9% 9% 9% 9% Formation
35%
3,0%

Govt Spending Feb-13 May-13 Aug-13 Nov-13 Feb-14 May-14 Aug-14 Nov-14
-$803 -$426
55% 55% 56% 56% 55%
Private Cons
2,0%
15%

Import
1,0%

-24%
-5%

-25% -26% -25% -26%

-$1.963
-$2.329
-25% 0,0%

2011 2012 Q3 2013 2013 Q3 2014

Foreign Reserve (in USD Billion) and Interest Rate and Inflation
Exchange Rate (in IDR/USD) %YoY
Foreign Reserve USD/IDR
14.000
12.388 120,0 YoY Inflation Fasbi Rate BI Rate
12.171
12.000
105,0 YoY Inflation:
10,00

9.793 8.36% 9,00

10.000
9.069 90,0
8,00

75,0
BI Rate: 7.75%7,00
8.000
6,00 6,00
60,0
Fasbi Rate:
5,00
6.000

45,0 4,50 5.75%

4,00

4.000
30,0 3,79 3,00

2,00
2.000
15,0

110,1 112,8 99,4 112 1,00

- -
-

2011 2012 2013 2014

2011 2012 2013 2014
Source: Bank Indonesia, BPS
Page 4
 Banking Sector Highlights
Banking Sector Highlights in IDR Trillion Macro & Banking Assumptions
2015
Dec-11 Dec-12 Nov-13 Dec-13 Nov-14 YoY ∆ YTD ∆ MACROECONOMIC
BNI VIEW
Total Assets 3,653 4,263 4,818 4,954 5,511 14.4% 11.2% GDP Growth (%) 5.0-5.5
Inflation (%) 5.0 – 6.0
Total Loan 2,200 2,708 3,214 3,293 3,597 11.9% 10.0%
Currency (IDR/USD) 12,000-12,500
Tot Deposits 2,785 3,225 3,563 3,664 4,055 13.8% 10.7% BI Rate (%) 7.5 – 8.0
2015
BANKING SECTOR
BNI VIEW
NIM 5.91% 5.49% 5.50% 4.89% 4.24%
Loan Growth (%) 15.0-17.0
NPL 2.17% 1.87% 1.90% 1.77% 2.36%
Deposit Growth (%) 13.0-16.0
LDR 79.0% 84.0% 90.2% 89.7% 88.7%
CAR 16.1% 17.4% 18.6% 18.1% 19.6%
Source: Bank Indonesia & BNI estimate

 2014 inflation was 8.36% after the fuel subsidy reduction or about the same as 2013 levels (8.38%).
 YoY Indonesia Banking loan growth slowed to 11.9% versus 2013’s 21.4% rate and was surpassed by Deposits
growth of 13.8%.
 Industry NPL’s increased slightly to 2.36% in November 2014 from 1.8% in December 2013
 NIM decreased to 4.24% in November 2014 from 4.9% in December 2013.

Page 5
Management Focus 2014
 Strategic Policy 2014

Increase employee and Information Synergize Business Banking, Consumer

Technology capabilities to strengthen & Retail, and subsidiaries to optimize
competitiveness profits through value chain activities
5 1

Sustainable
Financial
Continue to improve 4 Growth 2 Prudent asset and liability
operational efficiency and growth
cost effectiveness

3
Optimize customer engagement and
channel to increase sales and
transactions

Page 7
 Initiatives & Target 2014
Strategic Policy Initiatives Target 2014 Progress FY 2014 Trend

Synergize • Proactively create value chain opportunities among ROA: 3.4% - 3.6% ROA: 3.5 % +
Business Banking, Consumer & Retail, and
Business subsidiaries’s customer .
Banking, Consum • Increase share of wallet by up-selling, cross
ROE: 21% - 23% ROE: 23.6 % +
er & Retail, and selling, and product bundling.
• Increase Fee Based Income through sales of
Subsidiaries to bancassurance, investments, trade finance, and
optimize profits treasury products.
through value • Strengthen the capital of subsidiaries and look for
possible inorganic growth through acquisitions / joint
chain activities ventures.

Prudent Asset • Be a pioneer of MP3EI Master Plan financing that Loan Growth: 14% - 17% Loan Growth: 10.8 % +
focuses on three areas : Infrastructure, Food, and
and Liabilities Energy. •Business Banking: 15% - 18% •BB: 9.9 % +
Growth • Increase credit expansion in leading sectors in each
region
•Consumer & Retail: 14% - 16% •C&R: 9.1 % +
• Maintain growth in Consumer & Retail by focusing on
BWU and BNI Flexi. Coverage Ratio: 127%-130% Coverage: 130.1% +
• Proactively reduce Pre-NPL levels and improve
remediation to lower NPL Ratio. Gross NPL: 1.8% - 2.2% Gross NPL: 1.96% +
LDR: 85% - 87% LDR: 87.8 % +

Page 8
 Initiatives & Target 2014
Progress FY
Strategic Policy Initiatives Target 2014 Trend
2014
Optimize customer • Increase the usage of transactional banking solutions in Recurring Fee Recurring Fee +
corporations, government institutions, and capital markets. growth: 19% - 21% growth: 22.7%
engagement and • Increase e-banking transactions (Internet Banking, ATM, SMS
channel to increase Banking, Mobile Banking) through feature enhancements and
sales and third party cooperation . Deposit: 12% - 13% Deposit: 7.5 % +
• Improve CASA growth by cross selling, referral, and value +
transactions CASA: 13% - 15% CASA: 1.3 %
chain.
• Increase product holding ratio and deepen relationship of Saving: 10% -13% Saving: 7.1 % +
existing customers.
• Increase front office service capabilities to create sales. Service Lvl: Top 2 Service Lvl: Top 2 +

Continue to • Carry out appropriate campaigns for targeted segment. CIR: 44%-46% CIR: 43.8 % +
• Improve business processes in credit, operations, and
improve procurement.
operational • Reduce cost to serve using e-channel transactions migration
efficiency and cost
effectiveness
Increase employee • Improve employee capabilities inline with key business Earnings per Earnings per
and Information
competencies requirements through training programs. Employee Employee +
• Implement talent management to enhance leadership quality growth: 8% - 12% growth: 16.5 %
Technology and strengthen competitiveness.
capabilities to • Strengthen and enhance information technology
infrastructure and application development for the e-channel.
strengthen • Accelerate application development time delivery.
competitiveness • Optimize management information systems capabilities
through data warehouse development.

Page 9
Financial Performance
FY- 2014

I. Balance Sheet
II. Profit & Loss
III. Financial Ratio
 Balance Sheet Highlight

(Rp Billion) – Cumulative 2012 2013 2014 Y.o.Y

Total Assets 333,304 386,655 416,574 7.7%

Placement with other banks & BI 32,621 23,475 14,530 -38.1%

Marketable Securities [market value] 9,817 8,528 12,743 49.4%

Government Bonds [market value] 38,561 44,884 43,830 -2.3%

Loans (gross) 200,742 250,638 277,622 10.8%

Customer Deposits 1) 257,661 291,890 313,893 7.5%

Deposits from other Banks 2) 3,245 3,185 3,177 -0.3%

Marketable Securities Issued 4,769 6,037 6,158 2.0%

Borrowings 8,750 18,951 11,212 -40.8%

Shareholders’ Equity 43,525 47,684 61,021 28.0%

1) Customer Deposits included temporary syirkah funds of Rp13,628 billion

2) Deposits from other Banks included temporary syirkah funds of Rp775 billion.

Page 11
 Loan Composition
Loan Composition (%. Rp Billion) Loan by Currency (%)

GROWTH Composition
Non-IDR IDR
Segment 2013 2014 [YoY - %] [%]
13% 15% 15%
Corporate 112,234 119,715 6.7 % 43.1 %
87% 85% 85%
Medium 30,722 40,324 31.3 % 14.5 %
Business
Banking

2012 2013 2014

Small 38,405 37,060 -3.5 % 13.3 %

Average Yield on Loan (%)

International 7,234 10,082 39.4 % 3.6 %
10.9

Consumer 47,532 52,024 9.5 % 18.7 % 10.6

Consumer
Banking

10.2
Retail 3,177 3,314 4.3 % 1.2 %

Subsidiaries 11,334 15,103 33.3 % 5.4 %

2012 2013 2014

TOTAL 250,638 277,622 10.8 % 100 %

Page 12
 Breakdown Business Banking & Breakdown Consumer Loans
8 Sectors focus in Business Banking Breakdown Consumer & Retail Loan
43,891 50,709 55,338
Sectors 2013 2014
6,2% 6,3% 6,0%
5,8% 5,4% 5,3%
Oil, Gas and Mining 10% 9%
11,2% 10,8% 14,1%

Information &
4% 4% 11,5%
Telecommunication 15,2% 10,9%

Chemicals 6% 5%

Agriculture 13% 11%

62,6% 60,2%
57,6%

Food & Beverage 4% 7%

Retailer & Wholesaler 16% 16%

2012 2013 2014
Electricity 7% 7% BNI Wirausaha 6,2% 6,3% 6,0%
Others 5,8% 5,4% 5,3%

Engineering & Construction 7% 7% Credit Card 11,2% 10,8% 14,1%

Cash Colateral 1,6% 1,3% 1,0%
Flexi 1,9% 1,8% 2,3%
Others 33% 34%
Multipurpose 0,4% 0,3% 0,1%
Auto 15,2% 11,5% 10,9%
TOTAL LOAN (Rp Bn) 188,594 207,181 Mortgage 57,6% 62,6% 60,2%

Page 13
 Marketable Securities
(Exclude ROI Bonds)

Marketable Securities Composition (%. Rp Billion) Breakdown by Currency (%, Rp Billion)

9,817 8,528 12,743 9,817 8,528 12,743

14% 14% 10%
11,0% 8,8%
16,6%

90% Non-IDR
86% 86%
IDR
45,9%

45,5%
2012 2013 2014

Book [%]
89,0%
AFS: Available For Sale
HTM: Hold To Maturity

Banks AFS
66% HTM
45,2% Corporates 11%
37,8%
BI Certificate
Trading
23%

2012 2013 2014

Page 14
 ROI Bonds
Breakdown by rate (%, Rp Billion) Maturity [Rp Billion]

38,561 44,884 43,830

19,367

41% 36% 35%

10,924
6,254
59% 64% 65% 3,937 3,348

2012 2013 2014 < 1 th 1 - 5 th 6 - 10 th 11 - 15 th > 15 th

Fixed Rate Variable Rate

Breakdown by Currency (%, Rp Billion) Book

38,561 44,884 43,830 Hold to

Maturity
10% 13% 26%
15%

90% 87% Available Trading

85%
For Sale 0%
74%

2012 2013 2014

IDR Non-IDR
Page 15
 Customer Deposit
By Type (Rp Billion) By Currencies (%)
257,661 291,890 313,893 Non-IDR IDR

13% 16% 14%

31,2% 29,8% 38%

31% 32,7% 87% 84% 86%
33% 1,7%
1,4% 2,8%
1,3% 1,5%
1,5% 2012 2013 2014
Time Deposit

Mudharabah TD 37,5% 36,8% Cost of Customer Funding [%]

36,6%
Mudharabah
Saving
Saving
30% 3,2
28% 26% 2,7 2,4
Current Account 28,5% 30,2% 26,4%

2012 2013 2014

CASA 67% 69% 65%

2012 2013 2014

CASA increased Rp 2,5 Trillion or 1.3% Y.o.Y. whereas CASA Ratio decreased to 65%

Page 16
 Liquidity & Capital
Loan to Deposit Ratio - Rupiah Loan to Deposit Ratio – Foreign Currency

87% 95%
86% 84%
69%

79%

2012 2013 2014 2012 2013 2014

Tier 1 ratio and Total CAR [%] Equity / Assets [%]

CAR Tier-1 14,3

16,7
16,2
15,1 13,4

12,7

15,2 15,3
14,2

2012 2013 2014 2012 2013 2014

Page 17
 Profit & Loss Highlight

[Rp Billion] 2012 2013 2014 Y.o.Y

Net Interest Income 15,459 19,058 22,376 17.4%

Non Interest Income 8,446 9,441 10,715 13.5%

Operating Income 23,905 28,499 33,091 16.1%

Operating Expense (12,739) (14,573) (16,103) 10.5%

Pre-Provision Income 11,166 13,926 16,988 22.0%

Provisioning (2,525) (2,708) (3,642) 34.5%

Non Operational Income/(Expense) 259 59 178 201.7%

Net Income before Tax 8,900 11,278 13,524 19.9%

Net Income 7,046 9,054 10,783 19.1%

Net Income Per Share (full amount) 378 486 578 18.9%

Page 18
 Interest Income/Expense Composition
Interest Income Composition [Rp Billion, %] Interest Expense Composition [Rp Billion, %]

22,705 26,451 33,365 7,246 7,392 10,989

0,2% 0,0% 0,0%

2,6% 2,8% 2,8%

3,8%
4,7% 4,5%
2,4% 2,3%
4,1%
1,1% 1,6%
1,2% 3,5%
2,9% 4,1%
8,4% 7,8%
9,5%

92,1% 92,7%
91,4%
85,3% 85,7%
82,5%

2012 2013 2014 2012 2013 2014

Others Placement Marketable Securities Govt. Bonds Loan Others Borrowing Marketable Securities Deposits

Page 19
 Non Interest Income
Breakdown [Rp Billion, %] Breakdown Non Interest Income [Rp Billion]

8.446 9,441 10,715 1.190 1.582 1.476

2.038 1.856
2.138
7,9% 6,9% 7,1% 639
222 223

17,3% 4.995 5.499 6.744

22,6%
24,1%

13,8% 2012 2013 2014

16,8% Insurance Premium Recovery Non Recurring Fee Recurring Fee
14,1%
6,5%
Breakdown recurring fee
2,4% 5,6% 8,4% Custody & Services Fee Total = Rp 6,744 Billion
Bancassurance Account
5,7% Syndication 6%
14,1% 2%
5% Maintenance
16%
Others Debit Card
46,9% 9% Maintenance
42,4%
3%
37,4% Transfer & Bill
Payment
5%
Card Business
Trade Finance 16%
4%
Bank
2012 2013 2014 Guarantee
5%
Provision & Commissions Gain/Loss on Marketable Securities
ATM Marketable
Forex Gain Insurance Premium Income Securities
9% Forex Gain
Recovery Others 13%
7%
Page 20
 Operating Expense
Key highlights of OPEX [Rp Billion] Breakdown of OPEX [%]

12,739 14,573 16,103 Total = Rp 16,1 trillion

1.356 Personnel
101 Expense
587 42%
1.417
845
General &
509
1.343 Administrative
1.023 935 Promotion
32%
463 Expense
820 1.088
5%
Others
934
8%
Underwriting
6.781 Gtee Premium Insurance Exp
to LPS OJK Fee
6.084 8%
4% 1%
5.578

Cost to Income Ratio [%]

49,5
5.091 46,7
4.540
3.921 43,8

2012 2013 2014

Others OJK Fee
Gtee Premium to LPS Promotion Exp
2012 2013 2014
Underwriting Insurance Exp Personel Exp
G&A

Page 21
 Financial Ratios

[%] 2012 2013 2014 YoY

CAPITAL

Shareholders equity to total assets 13.41 12.69 14.31

Tier I – CAR (include operational risk) 15.17 14.17 15.34

Tier II – CAR (include operational risk) 1.49 0.92 0.88

CAR (credit, market + operational risk) 16.67 15.09 16.22

ASSET QUALITY

Net Non Performing Loan 0.75 0.55 0.39

Gross Non Performing Loan 2.84 2.17 1.96

Allowance for possible loan losses to gross NPL 123.01 128.48 130.11

Page 22
 Financial Ratios

[%] 2012 2013 2014 YoY

RENTABILITY *)
ROA 2.92 3.36 3.49

ROE 19.99 22.47 23.64

Net Interest Margin 5.93 6.11 6.20

EFFICIENCY

Cost to Income Ratio 49.46 46.65 43.85

Operating Expense to Operating Income [BOPO] 70,99 67.12 69.78
LIQUIDITY

Loan to Deposit Ratio 77.52 85.30 87.81

COMPLIANCE
Statutory Reserve Requirement (Rupiah) 8.53 8.06 8.08

Net Open Position 2.05 3.39 1.61

*) Based on BI Formula – Bank Only

Page 23
Asset Quality
 PRE NPL
Special Mention Category
Bank Only, Rp Billion
Pre NPL Ratio (%)

5,67%
4,65%
3,41%
2,82% 2,62%
Corporate

3.592 2.989 1.627 1.794

2.294

Medium 1.334 1.218

678
1.790
1.524 1.261 1.369
Small 1.422
283 263
1.107 306
Retail 1.471
359 2.231 2.233
- 1.884
Consumer 945 1.108

2010 2011 2012 2013 2014

Total Pre NPL 7,532 7,353 6,574 6,747 6,877

Page 25
 NPL Trend

Bank Only
7,47% Reported NPL NPL Without Write Off

5,36%

4,48%

4,28% 3,48% 3,31%

3,61%
2,84%
2,17% 1,96%

2010 2011 2012 2013 2014

Gross NPL (before WriteOff) 9,927 8,478 8,653 8,324 8,703

Gross NPL (after WriteOff) 5,686 5,704 5,484 5,198 5,151
Total Loan (Bank Only) 132,853 158,165 193,017 239,363 262,578

Page 26
 NPL by Segment
Bank Only, Rp Billion

5.484 5.198 5.151

2012 2013 2014

5,30% 5,32% 5,07%

Corporate
4,50%

Medium 3,07%
2,61%
Small 1,50%
1,25% 1,49%

Consumer 1,50%
1,19% 0,93%

2012 2013 2014

Total Loan - Bank Only

193,017 239,363 262,578
(Rp Bn)
Gross NPL (%) 2.84 2.17 1.96

Page 27
 Movement NPL
Bank Only NPL [Rp Bn] Net New NPL Write Off

2.949 3.169 2.840 3.126 3.505 3.552

5.198
5.704 5.484 5.198 5.151

5.151

2011 2012 2013 2014

Page 28
 COVERAGE RATIO – Bank Only

130,11%
128,48%

123,01%

2012 2013 2014

NPL [Rp Bn] 5.484 5.198 5.151
CKPN 6.746 6.679 6.703
Coverage Ratio 123,01% 128,48% 130,11%

Page 29
 Write Off & Recovery
Write Off Recovery

3.552

3.169 3.126

2.396
2.266
2.093

2012 2013 2014

2012 2013 2014

Write-off (Rp billion) 3,169 3,126 3,552
Recovery (Rp billion) 2,266 2,396 2,093
Recovery vs Write Off [%] 71.51% 76.65% 58.92%

Page 30
Management Focus 2015
 Strategic Policy 2015

Improve customer experience through Synergize Business Banking, Consumer

process improvement and digital & Retail, and subsidiaries to optimize
Financial Services model profits through value chain activities

5 1

Sustainable
Financial
Optimize resources and 4 Growth 2 Prudent quality asset growth
simplifyy processes to improve with optimized funding
efficiency and effectiveness structure

3
Optimize customer engagement and
channel to increase sales and
transactions

Page 32
 Initiatives & Target 2015
Strategic Policy Initiatives Target 2015

Synergize • Proactively create value chain between customers in Business ROA: 3.5%-3.6%
Banking, Consumer & Retail, and BNI Subsidiaries.
Business
• Target Corporate customers as the anchor for development of the Commercial ROE: 23% - 24%
Banking, Consum segment, Small, Consumer, and Subsidiaries.
er & Retail, and • Increasing customer share of wallet through up-selling and cross-selling ROE Subsidiaries: 5.0%-6.0%
Subsidiaries to strategy, including Subsidiaries.
optimize profits • Facilitating the financing needs of corporate customers through the capital
through value market
chain activities • Inorganic growth through acquisition or joint venture.

Prudent quality • Be a pioneer in financing of the national leading sectors, especially in Coverage Ratio: 130%-135%
Energy, Industry, and Infrastructure Areas.
asset growth Loan Growth: 14% - 16%
• Loan expansion in leading sectors primarily through by targeting high-end
with optimized commercial.
•Business Banking: 15% - 17%
funding structure •Consumer & Retail: 10%-12%
• Perform better credit processes to improve the quality of credit.
• Intense monitoring and focus on Pre NPL and remedial efforts to lowering NPL Deposit Growth: 13% - 16%
Ratio. CASA Ratio: 65% - 67%
• Optimize funding structure to balance between the cost of funds and loan to LDR: 86% - 88%
deposit ratio (LDR).
Gross NPL: 1.9% - 2.1%

Page 33
 Initiatives & Target 2015
Strategic Policy Initiatives Target 2015

Optimize customer • Increase the use of transactional banking solutions, especially in the commercial Fee Based Income
engagement and segment. Growth: 19%-21%
channel to increase • Increase chargeable transaction in e-banking and bill payment features enhancements. (exclude recovery)
• Strengthening e-commerce payment services.
sales and • Develop business networks and alliances, including international networks, to increase
transactions trade finance, treasury, bancassurance, and investment products.
• Develop Digital Financial Services and Innovative products to support financial
inclusion.

Optimize resources • Increase productivity and employee engagement by enhancing employee capabilities CIR: 43%-45%
and simplify and implementation of talent management. BOPO: 64%-66%
processes to improve • Integrated IT planning to support the development of a more effective business.
• Improve the effectiveness of marketing-oriented business results. Earning Per
efficiency and • Develop sales tools to improve sales effectiveness. Employee > Rp
effectiveness • Continue the strategy of cost structure optimization through process simplification and 470jt
better resource utilization.
• Reducing the cost to serve by optimizing the use of e-channels.

Improve customer • Improve infrastructure development and application of information technology to Service Lvl: Top 2
strengthen the integrated of the delivery channel.
experience through
• Optimizing the utilization of existing customer data via data warehouse enterprise
process solutions to improve interaction with customers.
improvement and • Accelerate business processes through automation of banking operations.
digital Financial • Enhance access to e-channel solutions to improve customer transaction experience
Services model

Page 34
BNI position in Industry for
the last 7 years...
 Industry Position
Return On Equity (ROE) – BNI is the only bank to have Return On Asset (ROA) – Our focus on quality growth is
consistently increased and maintained a higher ROE since 2008 further demonstrated by a 350% increase in ROA

BRI; 3,4
BCA; 3,1
BRI; 28,5 BRI; 2,6
BRI; 27,4 BNI; 2,7
BCA; 26,4 Mandiri; 2,5
BCA; 23,3 BCA; 2,5
Mandiri; 20,9
BNI; 20,2
Mandiri; 17,8 Mandiri; 1,6

BNI; 7,5 BNI; 0,6

2008 2009 2010 2011 2012 2013 2014 2008 2009 2010 2011 2012 2013 2014
Source: Bloomberg Source: Bloomberg

Expanding of ATM – BNI had the 2nd highest growth in it’s Tier 1 Capital Ratio – Quality growth has enabled BNI to
grow its Tier-1 capital 550bps since 2008, the highest gain among
ATM network and is now rated 1St in ATM Customer Satisfaction
our peers and prepared to grow further in new environments

BNI; 16,6 BRI; 17,5

BRI; 20.792
BCA; 16,2
BCA; 15,3
BCA; 16.694 Mandiri; 15,4
Mandiri; 15.344 BNI; 15,3
BNI; 14.071
Mandiri; 12,8

BRI; 12,2
BCA ; 5.710
Mandiri; 4.120
BNI; 2.325 BNI; 9,8
BRI; 1.431

2008 2009 2010 2011 2012 2013 2014 2008 2009 2010 2011 2012 2013 2014

Source: Bank’s Analyst Presentation Source: Bloomberg

Page 36
 Industry Position
Non Performing Loan (NPL) - BNI’s reduction in NPL Coverage (Provisions/NPLs) – BNI has been consistently
levels by over 60% leads our peer group improving our Coverage Ratio also
BRI; 249,4

Mandiri; 200,5
BNI; 5,00
BRI; 190,0
BRI; 177,3
Mandiri; 4,73

BRI; 2,80 BNI; 1,96 Mandiri; 157,1

BRI; 1,69
Mandiri; 1,66 BNI; 130,1
Mandiri; 127,1
BCA; 0,7
BCA; 0,60
BNI; 101,0

2008 2009 2010 2011 2012 2013 2014 2008 2009 2010 2011 2012 2013 2014
Source: Bank’s Analyst Presentation Source: Bank’s Analyst Presentation

Credit Cost – After 7 years credit cost down 290bps driven by Efficiency Ratio – BNI’s 9% improvement in Efficiency Ratio
improving asset quality since 2008 is leading our peer group performance
BNI; 53,7
BNI; 4,3

BRI; 49,1
BNI; 48,6
BRI; 2,1
BCA; 1,8 BNI; 1,4 BCA; 45,4
Mandiri; 1,7 BRI; 1,2 Mandiri; 44,9 BRI; 43,9
Mandiri; 1,1
BCA; 0,6 Mandiri; 41,3
BCA; 41,9
2008 2009 2010 2011 2012 2013 2014
2008 2009 2010 2011 2012 2013 2014
Source: Bloomberg Source: Bloomberg

Page 37
 Growth Market Capitalization

BNI 10,9

BCA 4,0

BRI 5,1

Mandiri 6,1

2008 2009 2010 2011 2012 2013 2014

An Investment in BNI stock in 2008 would be worth almost

11 times the original amount today
Source: Bloomberg

Page 38
 Value Creation – Done !
7 Years of Market Capital Value Creation
114

Public
46 Owned 40%

61 7

GOI Owned
61 26 61 60%
6
Rp Trillion 20

BNI Recapitalized in 2000 with Feb 8, ‘08 Dec 31, ‘14

2000
61T investment by Government
2008 2014
of Indonesia

 88 T in value created in +/- 7 years

 ROI investment recovered in full PLUS Rp 7 T additional Value
Page 39
About BNI
 Board of Directors
Gatot M. Suwondo Felia Salim
President Director/CEO Vice President Director/CRO
Since February 2008 Since February 2008
Previously: Vice President Previously: Independent
Director of BNI, MD of Commissioner of BNI, Deputy
Bank Danamon Chairman ‐
IBRA, Director, Jakarta Stock
Exchange

Yap Tjay Soen Krishna R Suparto Ahdi Jumhari Luddin

Chief Financial Officer Managing Director Managing Director Compliance
Since February 2008 Business Banking Since February 2008
Previously: Commissioner of Bank Mandiri Since February 2008 Previously: Director, Banking
& BNI, CFO of BII, various executive Previously: President Director of Supervisory, Bank Indonesia
positions in Astra, Asia Food & Barclays Securities, MD of Bank
Properties, Tuban Petro Chemical, & Danamon
ANTAM
Suwoko Singoastro Sutanto
Managing Director Managing Director
Treasury and Financial Institutions Enterprise Risk Management
Since February 2008 Since May 2010
Previously: EVP Network & Previously: GM Risk
Operation, GM of Network Management Division, GM
Distribution Division Training Division

Adi Setianto Honggo Widjojo Kangmasto Darmadi Sutanto

Managing Director Managing Director Managing Director
Network and Services Operation & IT Consumer Banking
Since May 2010 Since May 2010 Since May 2010
Previously: GM Institutional Previously: MD Permata Bank, MD Previously: Director of
Funding, GM Bancassurance Indofood, EVP Bank Mandiri Retail Banking RBS

BNI has been further enhancing its management through key hires with strong industry experience

Page 41
 Board of Commissioners
Peter B. Stok Tirta Hidayat
President Commissioner Vice President Commissioner
(Independent) Since May 2010
Since May 2009 Previously: Lecturer at
Previously: Commissioner Bank University of Indonesia,
Permata, President Director Deputy for Economic Affairs at The Vice
Bank Niaga, President President ‘s Office
Director Bank Dagang Negara

BS Kusmuljono Achil Ridwan Djayadiningrat Fero Poerbonegoro

Commissioner Commissioner Commissioner
(Independent) (Independent) (Independent)
Since May 2010 Since February 2008 Since February 2008
Previously : Commissioner Previously: Managing Director of Previously Managing Director of
BRI, President Director of BNI (Compliance and Human BNI (Treasury & Private Banking)
PT PNM Resource) Managing Director of Bank BCA

Achiran Pandu Djajanto Daniel Theodore Sparringa Kiagus Ahmad Badaruddin

Commissioner Commissioner Commissioner
Since March 2013 Since April 2012 Since April 2014
Currently: Advisor to the Currently: Lecturer at University Currently: Secretary General of
Ministry of State-Owned of Airlangga, Surabaya Ministry of Finance
Enterprises

This transformation will only be made possible by our effective and experienced professionals

Page 42
 BNI has a long track record in the Indonesian banking sector

Asset Loan Deposit

Mandiri Mandiri Mandiri

BRI BRI BRI

2010 - Today:
2010: Right Issue US$
2007: Secondary BCA BCA BCA
1,1 bn
2000: Offering, US$ Government owns
1996 Post-recap, The 445mn new Tier-1 BNI BNI BNI
60,0% of BNI
1946: First state- Government capital
BNI Established owned bank, to Owned 99.1% of BNI CIMB Niaga CIMB Niaga CIMB Niaga
“go public”
Indonesia Danamon Danamon Permata
Independence
(17 August 1945} Market Cap Market Cap Market Cap Market Cap Permata Permata Panin
Rp 5,4 T Rp 19,1 T Rp 30,1 T Rp 114 T
Panin Panin Danamon

BII BII BII

 Compelling Brand Name – 68 years history
BTN BTN BTN
 Network (over 1.766 outlets) including six overseas offices
 Customer Base – 15 millions customers
The most extensive
 Stable and Strong Top Management team distribution
The 4th largest
commercial
Strong low-cost
funding base
 Strong ROE and ROA improvement trajectory platform in
Indonesia
bank by asset with low LDR
size

Source: Bank Indonesia

Page 43
 Network & Distribution
BNI’s multiple touch points for individual and corporate customers

Consumer loan Small business Medium business

Mobile ATMs Outlets
Call Center centers centers centers
banking (14.071) (1766)
(12) (58) (24)

BNI has also entered into

key arrangements with
prominent companies for
payment channeling,
Overseas offices financing, loan
Singapore (Nov 1955) distribution, and
Hong Kong (Apr1963)
Tokyo (Sep 1969) & Osaka (2013) network/outlet
London (1987) development
Indonesia (1760 Outlets) New York Agency (Apr 1971)

Individual customer highlights Corporate/SME customer highlights

 14,3 mn deposit accounts  361.957 corporate deposit accounts

 1,6 mn credit cards  1.753 corporate borrowers accounts
 160.171 mortgage customers  160.454 SME lending accounts

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

Page 44
 BNI Ratings
2007 2014

National long term rating AA- (idn) AA+ (idn)

Long term foreign & local currency BB/Stable BBB-/Stable
Fitch Rating Short term foreign & local currency B F3
Individual rating D WD
Subordinated debt BB- --

Credit rating BB-/Stable/B BB/Stable/B

Standard & Poor's Long term issuer credit rating BB- BB
Subordinated rating B --

Bank Deposits B1 Baa3

Senior Unsecured Ba2 Baa3
Moody's Bank Financial Strength Rating D- D+
Outlook Stable Stable

Corporate rating / Outlook idAA-/Stable idAAA/Stable

Pefindo Bond 1 idAA-/Stable --
Subordinated idA+/Stable --

In 7 years, BNI Bank equal to Peers

Page 45
 BNI Shares
BBNI shares performance BBNI Public Ownerships [40.00%]
Mutual Fund -
Domestic; 5%
Institution -
Domestic; 2%

Insurance -
Domestic; 2%

Pension Fund -
Domestic; 1%

Foundation -
Domestic; Institution -
Individual - Foreign; 28,72%
0,1% Domestic; 1%

As of Dec, 2014

Ownerships %
BNI’s close price December 30, 2014 (Rp 6,100) was 54.4% higher than on Government RI 60.00%
Des 30, 2013 (Rp 3,950) Public – Domestic 11.28%

 Issued shares 18.648.656.458 shares Public - Foreign 28.72%

 Price [December 30, 2014] : Rp 6,100
 Market Capitalization : Rp. 113.8 trillion [+/- US$ 9.2 billion]

Page 46
Business Banking
Focus and Strategy
 8 Targeted Sectors – National & Regional

Retail & Oil, Gas & Engineering F&B Chemical

Agriculture Communication Electricity
Wholesalers Mining &Construction

Credit Approval of Targeted Sectors [%]

1-WMD 2-WPD 3-WPL 4-WBN 5-WSM 6-WSY 7-WMK 8-WDR 9-WBJ 10-WJS 11-WMO 12-WJK 14-WJB 15-WJY 16-WPU TOTAL

Jan-Des
61.0 79.4 51.1 58.2 61.8 64.2 70.4 75.0 82.7 65.2 79.6 74.6 64.7 60.2 63.6 65.7
2014

Page 48
 Corporate Business
Working Capital & Investment Loan incl Loan Int [Rp Billion] BNI Commitment on Basic Infrastructure Project [Rp Billion]

9%
52%

Loan by Currency [%] Undisbursed Loan [%]

Page 49
 SME Business
Small Business [Rp Billion] Medium Business [Rp Billion]

*) In 2014 , we reclassify Small Customer amounted Rp 1,8 trillions to Medium Customer *) In 2013 , we reclassify 116 Medium Customer amounted Rp 10.3 trillions to Corporate Customer

Value Chain Strategy Continuous to Increase in SME Business Kredit Usaha Rakyat (KUR) [Rp Billion]
[Rp Billion]

-19%
5.230
-24%
4.213
3.186

2012 2013 2014

Page 50
 Transactional Banking
Current Account Average Balance – Business Banking [Rp Billion] E-Banking BNIDirect Transactions

9%
27%
35%

67%

Key Initiatives Business Highlights

Project Solutions Business Highlights
• Integrated BNIDirect features & Public Services
Pemberitahuan Impor Barang (PIB) Solutions : BPJS, PNBP, SABH, BPOM, Fiducia
ETax Payment Payment, MPN G2
Corp Utility Payment (PLN, Telkom, Credit • Supply Chain Financing :
Service Card) Handling payment transactions of BNI Clients and
its Buyers, upstream&downstream focusing in 8
Distributor Finance & Bank Guarantee Industry sectors, integrated to BNI lending and
funding products.
Immigration (Dirjen Imigrasi - • Custodial Services : Upgrade to Online System –
*) AUC : Asset Under Custody Core Custody BANCS & Fund Services IMS
Kemenkumham)
BPJS Kesehatan & Ketenagakerjaan Continuous Best in Services
Public
(Askes&Jamsostek)
Service
BPOM
Best Local The Best Kemenkeu -
MODUL PENERIMAAN PAJAK NEGARA Best Cash
Mgt Bank & Overall Cash Mgt Bank Terbaik
KPPN IV -
Bank
GENERASI DUA in – Cross Bank in dalam
Layanan
Persepsi
Indonesia border & Indonesia Layanan
Capital Custody Online reporting (straight thru Domestic Penerimaan Terbaik
Cash Mgt Negara
Market processing system to market) Bank

Page 51
Consumer & Retail
focus & strategy
 Consumer & Retail Business
Consumer Loan

Mortgage Loan Balance [Rp. Billion] Average Balance Mortgage Loan/Account [Rp Million]

Growth BNI
Y-o-Y 5,1%

31.733 33.341 371

308 320
25.286

2012 2013 2014 2012 2013 2014

Fleksi Loan Balance [Rp Billion] BNI Wirausaha [Rp Billion]

Growth BNI Growth BNI

Y-o-Y 36,6% Y-o-Y 4,3%

1.265 3.177 3.315

2.738
926
830

2012 2013 2014 2012 2013 2014

Page 53
 Consumer & Retail Business
Savings

Average CASA Balance [Rp Billion] Number of Individual Accounts [Thousand]

*) Auto closure of 3,58 million

saving accounts by March’14
106.847
102.599 16.177

92.837

2012 2013 2014 14.420

14.007

Average Balance – Saving [Rp Billion]

103.432 2012 2013 2014

95.937

86.730 Savings 2012 2013 2014

Average Balance
CASA 20,5% 10,5% 4.1%
Growth Y-o-Y (%)

Average Balance
2012 2013 2014 Saving 22,5% 10,6% 7.8%
Growth Y-o-Y (%)
*) Source: EIS

Page 54
 Consumer & Retail Business
Bancassurance

Premium [Rp Billion] Fee Based Income (FBI) [Rp Billion]

1.174 227 215

1.069
183
837

2012 2013 2014

2012 2013 2014

Premium 2014 FBI 2014

Group Bundling
Insurance 0,7%
1,1% Consumer
Tele
In Branch Lending
Tele Marketing
14,0% 17,0%
Marketing 19,2%
Bisnis Kartu
17,8%
29,2%
Bundling
0,7%
Rp 1.069 Bn Rp 215 Bn
Group
Insurance
In Branch 0,5%
Consumer 36,8% Bisnis Kartu
Lending 48,5%
14,4%

Page 55
 Consumer & Retail Business
Investment Business
Asset Under Management (AUM) [Rp Billion] Fee Based Income (FBI) [Rp Billion]

Growth BNI Growth BNI

Y-o-Y 8,8% Y-o-Y 50,5%

6.843
6.287
83,7
3.867 55,6
29,7

2012 2013 2014 2012 2013 2014

AUM 2014 FBI 2014

Mutual Mutual
Fund Fund
12% 9%

Bancassu
rance Bancassur
4% ance
Bond Bond 7%
84% 84%

Total AUM Rp 6.843 Billion Total FBI Rp 83,7 Billion

 Bond: Rp . 5,709 Billions  Bond: Rp 70,1 Billion
 Mutual Fund: Rp.844 Billions  Mutual Fund: Rp 5,6 Billion
 Bancassuranse – Alliance Business: Rp. 290 Billions  Bancassurance – Alliance Business: Rp 8,0 Billion

Page 56
 Consumer & Retail Business
Credit Card Business
No of Credit Cards [Million] No of Transactions [Million]
Industry *) Following Central Bank’s Industry
Growth BNI Growth BNI
*) recommendation, we have cleansed up *)
Y-o-Y 2,1% 6,5% Dormant Card stage 1: +600 thousand
in Q1 (Jan’12) & stage 2: +118 thousand Y-o-Y 9,5% 5,8%
BNI (Mn) Share in Q3 (July 2012) BNI (Mio) Share YTD

15,7% 9,0%
9,0% 8,9%
11,6% 10,7% 10,2%
8,1%
2,40 1,72 1,62 1,65 16,9 19,8 21,3 23,3

2011 2012 2013 2014 2011 2012 2013 2014

Credit Cards Usage [Rp Trillion] Receivables [Rp Trillion]

Industry Industry
Growth BNI Growth BNI
*) *)
Y-o-Y 22,2% 13,8% Y-o-Y 41,7% 17,1%

BNI (IDR T) Share YTD BNI (IDR T) Share

9,36% 11,8%
9,07% 10,9%
8,86% 10,4%
9,6%

7,30%
13,34 17,86 20,23 24,72 4,00 4,93 5,49 7,78

2011 2012 2013 2014 2011 2012 2013 2014

*) Industry Data Growth & BNI Market Share as of Nov 2014

**) Source: Data APMK Bank Indonesia Nov 2014

Page 57
 Consumer & Retail Business
Debit Card Business
No of Debit Cards [Million] Debit Cards Usage [Rp Billion]

Industry Industry
Growth BNI Growth BNI
*) *) Auto closure of *)
Y-o-Y -22,2% 18,2%
approximately 4 million debit Y-o-Y 47,1% 23,1%
cards by March’14
BNI (Mn) Share BNI (IDR B) Share (YTD) 5,47%
4,59%
4,23%
16,2% 3,72%
16,0%
15,7%

3.142 4.673 6.757 9.938

2011 2012 2013 2014

No of Transactions [Million]
10,3% Industry
Growth BNI
*)
Y-o-Y 42,1% 20,5%
BNI (Mn) Share YTD 5,46%
4,50% 4,53% 4,66%

9,56 11,87 13,04 10,14

6,22 8,38 11,30 16,07
2011 2012 2013 2014
2011 2012 2013 2014

*) Industry Data Growth & BNI Market Share as of Nov 2014

**) Source: Data APMK Bank Indonesia Nov 2014

Page 58
 E-banking transactions

ATM Transactions SMS Banking Transactions

Volume (Rp Billion) Frequency (Thousand)

185.436
Volume (Rp Billion) Frequency (Thousand)

130.188
701.814
83.950

573.437
6.815 12.380 18.788
483.438
2012 2013 2014

Internet Banking Transactions

Volume (Rp Billion) Frequency (Thousand)

13.695

8.863
5.522

286.679 350.172 423.995 25.204 38.195 52.981

2012 2013 2014

2012 2013 2014

Page 59
Network & Services
 Network & Services
Outlets*)
Our Presence Outlets Distribution by Category
 34 Provinces and 420 Districts
 1.760 Outlets
139(8%)
130
13%
Outlets
724; 1.036;
41% 59% 530
1.760 376
36%
51% Where We Live

Java
Outside Jabodetabek 1.133 (64%)
DKI Jakarta
Outside Java Outlets
Bodetabek

Our Progress Where We Shop

1.760
1.687
1.585
488 (28%)
Outlets

2012 2013 2014

Where We Work
Outlet 2012 2013 2014
*) Excl. Overseas Offices
Region 15 15 15
Branch 168 168 168
Sub Branch 912 912 912
Cash Office 375 442 495
Payment Point 42 74 92
Cash Mobile 73 76 78
Total 1.585 1.687 1.760
Page 61
 Network & Services
ATM

Our Presence ATMs Distribution by Category

 34 Provinces and 420 Districts
 14.071 ATMs
569 (4%)
5.441 1.736; ATMs
39% 20%
4.490;
52%
14.071 8.630 2.404;
Where We Live
61% 28%

Outside Jabodetabek 9.455 (67%)

Java
DKI Jakarta ATMs
Outside Java *)
Bodetabek

Where We Shop
Our Progress

14.071 4.047 (29%)

11.163 ATMs

8.227
Where We Work
*) Incl. 6 ATM Luar Negeri (4 ATM Hongkong & 2 ATM Singapura)

2012 2013 2014

Page 62
Treasury & FI
 Treasury Balance Sheet
Uses of Funds (IDR Billion / %) Sources of Funds (IDR Billion / %)
80.999 76.887 71.103 16.764 27.804 19.772
6% 5% 9%

22%
29%
48% 31%
58% 62%

29% 14%
12% 56%
11%
18% 17% 34%
40%
31% 7%
20% 19%
10% 12%

2012 2013 2014 2012 2013 2014

Other Borrowing Marketable Sec. Issued Bankers Acceptance
Government Bonds Marketable Securities Placement with other banks & BI Bilateral Loan Deposit from Other Bank

Liquid Assets by Currency (IDR Billion / %) Treasury Funding by Currency (IDR Billion / %)
80.999 76.887 71.103 16.764 27.804 19.772
19% 24% 22%

89% 91% 90%

81% 76% 78%

11% 9% 10%

2012 2013 2014 2012 2013 2014

Non-IDR IDR Non-IDR IDR
Page 64
 Bond Portfolio Breakdown
ROI Bonds Portfolio Allocation (%) Marketable Securities Portfolio Allocation (%)
2013 = IDR 44.884 bio 2014 = IDR 43.830 bio 2013 = IDR 8.528 bio 2014 = IDR 12.743 bio

TRD TRD HTM

HTM 10%
0% 0% TRD
18% HTM TRD
HTM 23%
26% 21%
22%

AFS
82% AFS
74% AFS
57%
AFS
67%

ROI Bonds Portfolio By Interest Type (IDR Billion) Marketable Securities Portfolio By Instrument (IDR Billion)
38.561 44.884 43.830 9.817 8.528 12.743
4% 5% 4% 10%

40%
28%
56% 60% 61% 69%
5%
27%
27%

41% 35% 35% 31% 35% 25%

3%
2012 2013 2014 2012 2013 2014
Variable Rate (SUN) Fixed Rate (SUN) Fixed Rate (Sukuk) SDBI SBI Reksadana Obligasi Efek Lain
Page 65
 Bond Portfolio Maturity Profile
Maturity Profile of ROI Bonds (IDR Billion)
IDR 2012 IDR 2013 IDR 2014
Non-IDR 2012 Non-IDR 2013 Non-IDR 2014
19.357 19.793 19.367

10% 13% 12%

12.725
10.924
9.671 16%

8% 22%
90% 87% 88%
5.858 6.254
5.340
3.937 84% 1% 3.995 3.348 15% 13%
2.513 92% 78% 1% 2.472
1.721 4%
99% 85% 87%
30% 96% 99% 100% 18%
100% 70% 82%

≤ 1 Year > 1-5 Year > 5-10 Year > 10-15 Year > 15 Year

Maturity Profile of Marketable Securities (IDR Billion)

9.432
1%

5.353
-
99%

2.925 3.034 2.853

2% 8%
2.507
100% 2.150 16%
19%
32%
98% 92% 654
81% 84% 413 422 583
68% 248 311 123 81
68% 48% 100%
32% 52% 100% 100% 100%
- -
≤ 1 Year > 1-5 Year > 5-10 Year > 10-15 Year > 15 Year

Page 66
 Treasury Client Solutions
Regional Coverage Area
Medan
Rp Mn
(Mar 2007)
3 Pekanbaru
(Des 2011)
9 Balikpapan 11
(Feb 2009) Manado
5 (Des 2013)
7
Palembang
(Des 2009) 4
Semarang Makassar
Jakarta (Nov 2010) (Feb 2008)
1
6 8 2
Bandung Surabaya
(Nov 2009) (Jul 2004) 10
Denpasar
(Juli 2013)

Customer Volume Growth (USD Billion) Regional Customer Volume Contribution

3.000

USD Million
2.500 2012 2013

2.000 2014
1.500
27,96
25,41 26,04
1.000

500

2012 2013 2014

Page 67
 Trade Finance

Strategy Trade Finance Revenue (IDR Bio)

 Active on selling of Supply Chain Financing product especially EKSPOR
EXPORT IMPORT
IMPOR
for client in construction sector 402,7
 Maximize the role of Financial Institution and Business Risk
328,5
Division in increasing the number of correspondent bank on
the basis of potential trade transactions especially anticipating 257,6 248,6
new LC regulation 197,2
 Focus on selling SBLC product as one of major contributors of 161,2
trade revenue
 Increase the cooperation with business units in all region in
capturing the number of new customers
 Optimize the usage of BNI Smart Trade Portal, a web based
trade services for corporate clients 2012 2013 2014

Awards Trade Finance Volume (USD Bio)

The Best Domestic Trade Finance Bank in EXPORT
EKSPOR IMPORT
IMPOR
Indonesia From Alpha South East Asia
16,1
15,4 15,0
Best Trade Solution of The Year in 14,8
2010 2011 2012 2013 2014 Southeast Asia 13,7

The Best Trade Finance Bank in Indonesia

From The Asian Bankers
6,9
2013 2014

Quality Management System

(ISO 9001 : 2008) for Trade Processing Centre

2008 2013
2012 2013 2014

Page 68
 Remittance
Strategy Remittance Performance
Incoming Transfer (ITR)
Remittance Volume ITR – OTR (USD Bio) Remittance Fee Based (IDR Bio)
 Expand network of overseas remittance agencies
and domestic paying agents
 Offering competitive pricing to increase more
transaction
 Combine promotion and CSR programs in one
special events (Ramadhan and Christmas)
 Adding more overseas partners with improvement
system
 Assign remittance representatives to remittance
agencies and correspondent Banks in potential
countries
Outgoing Transfer (OTR)
 Extensive product sales with Sales Task Forces in all
BNI outlets
 Flexible pricing through product bundling
Remittance Items – ITR Slips (Thousands) Remittance Items – OTR Slips (Thousands)
 Intensive product knowledge for BNI employees
 Strategic alliance with local banks
 Extensive above the line promotions

Awards
The Best Remittance provider in Southeast Asia
2009, 2010, 2011, 2012, 2013 and 2014 from Alpha
South East Asia Magazine.

2009
Page 69 2010 2011 2012 2013 2014
 Overseas Branches
Strategy Earning Assets Composition* (USD Mio) Loan Portfolio (USD Mio)
789
 Intensify business synergies with business 1.870 9%
units and BNI Financial Service Group to 1.718
618
leverage Indonesia-related business. 18% 1.496 4%
6% 20%
 Increase the role as a distribution network 19% 34%
27% 439
for BNI products and services to 13%
Indonesian diaspora. 29% 91%
30%
 Act as BNI ambassador to maintain the 37%
positive corporate image abroad 66% 87%
33% 46%
 Increase its business intelligence function 29%
 Serve as a training ground to build BNI
human resources with international 2012 2013 2014 2012 2013 2014
banking capabilities. LOAN TRADE SECURITIES PLACEMENT INDONESIA RELATED NON INDONESIA RELATED

Trade Portfolio (USD Mio) Securities Portfolio (USD Mio)

562 560 402
507 348
3% 4%
5% 346

48%
53% 45%
97% 96%
95%

52% 55%
47%

2012 2013 2014 2012 2013 2014

INDONESIA RELATED NON INDONESIA RELATED INDONESIA RELATED NON INDONESIA RELATED
Page 70
 Financial Institutions

Marketing Strategy Fee Based Income (IDR Mio)

89.4
 Optimize the relationship with domestic and
international banks to increase interest and fee
based income
 Bring Indonesian business to international and 53.1
facilitate international business to Indonesia
 Develope and structure products and services that is 26.9
customized to suit to the clients needs
 Acquire new counterparts especially domestic banks
(2nd tier bank) to get more business opportunities
 Intensify cross selling of BNI products and services 2012 2013 2014

Awards Interest Income (IDR Mio)

106.0

The Leading Counterparty Bank in

Indonesia From The Asian Bankers

2014

36.2 40.2

2012 2013 2014

Page 71
Subsidiaries
 Securities Business
Trading Value (Rp Tn)
Milestone 2014
48,7 44,6
35,3 Investment Banking Activites :
- Standby Purchaser & Placement Agent in BWPT
Right Issue
- Arranger in MTN & Lead Underwriter IPO IBF
- Joint Lead Underwriter Bond Offering
Protelindo
2012 2013 2014 - Arranger for BNI Life – Sumitomo Life Deal
Number of Retail Customers Number of Branches in Indonesia: 61 branches
22.663 Award
22.120
- Capital Market Award as the Best IDX members
in Network Distribution
20.377
- Capital Market Award as the Best IDX members
in Customer Growth
- Platinum Award in Genta Pasar Modal
2012 2013 2014
ROE (%) Business Focus in 2015
5,87
4,69 1. Equity Brokerage
2. Fixed Income Brokerage
2,23
3. Investment Banking
4. Reksadana (by BNI Asset Management)

2012 2013 2014

Page 73
 Sharia Banking
Total Assets (Rp Bn) Return On Equity (%) 13,98

8,9 9,65
19.492
14.709
10.645

2012 2013 2014 2012 2013 2014

Total Financing NPF (%)

Total Financing (Rp Bn) Milestone 2014
2,02
 Consumer Retail NPF: 1.32%
1,86 1,86
 Micro Sharia’s NPF: 3.86%

7.632 11.242 15.042  Number of Regular Outlet: 144

 Number of Micro Units: 96
2012 2013 2014
 Number of customer: 1.3 millions accounts

Total Deposit (Rp Bn) Total Deposit (Rp Bn) CASA Ratio (%)  Juara 1 kategori Private Keuangan Non Listed
- Annual Report Award 2013
59% 57%
45%  Best Syariah 2014 kategori Bank Syariah aset
lebih dari Rp 10 T - majalah Investor
8.948 11.422 16.246  1st Rank The Most Prudent Islamic Full Fledge
Bank - The 10th Islamic Finance Award
2012 2013 2014

Page 74
 Life Insurance
Total Asset (Rp Bn)
8.084 Milestone 2014

3.949 “ The Best

2.795
Performance”
from Info Bank Sharia
2012 2013 2014 Finance Award 2014
Gross Premium (Rp Bn)
 Number of
1.530 1.447
1.245 Bancassurance
Outlets: 895
 Number of Agents:
2.397

2012 2013 2014 Focus Product in 2015

ROE (%) Bancassurance
17,26 17,05 • BLife Hy-End Pro (Hybrid Endowment)
• BLife Maksima Pro (Back End Loading SPUL)
• BLife Rencana Pasti (ORI Bundled Product)
4,54
• Maksima Sehat (Health Stand Alone Product)
• BLife Term Pro (Term Life Product)
2012 2013 2014
Page 75
 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

Corporate Communications Division,
Investor Relations Group
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