Slides
Page 1
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation1 9M26 CORPORATE PRESENTATION PT Bank Negara Indonesia (Persero), Tbk. Jakarta – 27 October 2026
Page 2
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation2 Table of Contents ◎ 01 | Management Highlights ◎ 02 | Macroeconomic Highlights ◎ 03 | Financial Highlights Highlighted Results Balance Sheet Highlight Profit or Loss Loan Composition Loan Disbursement Third Party Fund Fee-Based Income (FBI) Operating Expense (OPEX) ◎ 04 | Asset Quality Loan at Risk LAR by Segment, Write Off & Recovery NPL Formation & Write Off Vintage Sufficient Provisioning in line with risk appetite LAR, NPL & Provision Coverage trend 03 10 16 27 17 19 20 21 22 24 25 26 28 29 30 31 32 ◎ 05 | Digital Initiatives 33 ◎ 06 | ESG 38 ◎ 07 | About BNI 48 2 | BBNI 9M26 Corporate Presentation 5 Years Financial Data 56-57
Page 3
3 | BBNI 9M26 Corporate Presentation 01 | Management Highlights ◎ Earnings Resilience with Record-High PPOP ◎ Earnings Resilience with Record -High PPOP ◎ Strategically Growing through Disciplined Underwriting ◎ Strategically Growing through Disciplined Underwriting ◎ Strengthening CASA Market Share ◎ Strengthening CASA Market Share ◎ Prudent Asset Repricing to Offset NIM Pressure ◎ Prudent Asset Repricing to Offset NIM Pressure ◎ Strong Balance Sheet ◎ Strong Balance Sheet 04 04 05 05 06 06 07 07 08 08 ◎ FY 2026 Aspiration ◎ FY 2026 Aspiration 09 09
Page 4
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation4 Earnings resilience with record-high PPOP MANAGEMENT HIGHLIGHT Translating to resilient profitability Improving asset quality with strong coverage Strong business momentum… …amid industry-wide NIM pressure 10.5% 22.2% Sep-25 Sep-26 Loan growth YoY 13.3% 19.6% Sep-25 Sep-26 CASA growth YoY 1.0% 9M26 10.4% 7.8% Sep-25 Sep-26 LAR (%) CoC (%) -260bps 3.8% Sep-26 LLR to Loan (%)PPOP (IDR Tn) 15.1 Tn 16.1 Tn 9M25 9M26 EAT (IDR Tn) 24.7 Tn 27.5 Tn 9M25 9M26 4.6% 4.3% 8M25 8M26 3.8% 3.5% 9M25 9M26 NIM Industry NIM BNI -30 bps -30 bps +11.6% YoY +6.6% YoY Record -high 3.49% Industry LLR As of Aug-26
Page 5
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation5 Strategically growing through disciplined underwriting MANAGEMENT HIGHLIGHT 812.2 Tn 812.2 Tn 868.3 Tn 923.3 Tn 975.2 Tn 984.2 Tn 992.5 Tn 56.1 Tn 55.0 Tn 30.3 Tn 9.0 Tn 0.5 Tn21.6 Tn 17.4 Tn Sep-25 Enterprise Agrinas Loan* Corporate excl. Agrinas* Commercial Retail (Small & Consumer) Sep-26 Strategic net expansion driven by BNI’s core segments, supported by sufficient liquidity readiness Better asset quality driven by disciplined risk management *Govt Program loan with sovereign exposure 70.0 45.8 41.5 13.6 4.5 4.4 Enterprise Agrinas Loan* Corporate excl Agrinas Consumer Small Commercial Δ IDR 180Tn Net Loan expansion +22.2% YoY 9.5% 10.6% BNI Loan Market Share +113 bps YoY Aug-25 Aug-26 Wholesale 2.0% 1.3% Avg. 2022-2025 9M26 0.6% 0.2% Avg. 2022-2025 9M26 2.9% 0.8% Avg. 2022-2025 9M26 Improved NPL Formation* CorporateBank-wide Enterprise 72 bps 42 bps 206 bps *NPL Formation: Annualized Net New NPL / Beginning Loan Balance 4.7% 2.7% Avg. 2022-2025 9M26 5.0% 4.6% Avg. 2022-2025 9M26 2.3% 2.7% Avg. 2022-2025 9M26 SmallCommercial Consumer 202 bps 46 bps 48 bps
Page 6
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation6 Strengthening CASA market share through transaction banking Industry data based on BI - Indonesian Economic and Financial Statistics BNI 25.9% Industry Growth Rate 9.8% Current Account Growth (Sep-26 YoY) # of users 293k (+19% YoY) Transaction Value IDR 9,324 Tn (+16% YoY) Solid Digital Solution with strong penetration rate in wholesale segment… Current Account BNI Market share +120 bps YoY Savings Account BNI 11.6% Industry Growth Rate 9.6% Savings Account Growth (Sep-26 YoY) BNI Market share 9.1% 9.2% Aug-25 Aug-26 +10 bps YoY A Unified Ecosystem for Banking, Wealth, Global Citizenship, and Family # of users 16.6mn (+58% YoY) Payroll Accounts 6.7mn (+26% YoY) Transaction Value IDR 1,774 Tn (+25% YoY) *As of Sept-26*As of Sept-26 MANAGEMENT HIGHLIGHT 12.0% 13.2% Aug-25 Aug-26 Industry Data Source: SPI OJK August 2026 Industry Data Source: SPI OJK August 2026
Page 7
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation7 Prudent asset repricing to offset NIM pressure MANAGEMENT HIGHLIGHT We actively reprice our assets prudently to preserve interest spreads without triggering client attrition… …translating to solid interest income growth 7.2% 7.2% 6.9% 6.9% 7.1% 3Q25 4Q26 1Q26 2Q26 3Q26 QTD Loan Yield 10.5% 15.9% 20.1% 24.4% 22.2% 4.8% 4.2% 13.7% 14.9% 17.3% 9M25 FY25 1Q26 1H26 9M26 Loan Growth (YoY) Interest Income Growth (YoY) Industry-wide NIM pressure has affected BNI due to moderating Loan Yield while CoF stayed stable 7.3% 6.9% 9M25 9M26 YTD Loan Yield 2.8% 2.8% 9M25 9M26 YTD Cost of Fund (CoF) 3.8% 3.5% 9M25 9M26 -30 bps NIM BNI -33 bps
Page 8
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation8 Strong balance sheet built to navigate market volatility MANAGEMENT HIGHLIGHT Strong capital buffer for growth and shock absorption Industry-leading asset quality, proactively provisioned Strong liquidity profile to drive business 18.1% 19.2% Jun-26 Sep-26 BNI Total CAR (%) 1.1% 128.4% Sep-26 NSFR (%) 143.4% Sep-26 LCR (%) 95.3% 96.1% 93.1% 86.2% 86.9% 86.4% 83.5% 87.7% 87.9% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Blended LDR BNI LDR – Bank Only 1.9% BNI Ratio 2.1% Industry Ratio BNI Sep-26Industry Aug-26 NPL Ratio (%) Regulatory Minimum 100% Regulatory Minimum 100% Regulatory Minimum 14.45% 15.5% 16.5% Jun-26 Sep-26 BNI CET-1 CAR (%) 1.1% “~5% buffer above minimum provides Rp~40T+ of excess capital” 193.3% BNI Ratio 165.7% Industry Ratio BNI Sep-26Industry Aug-26 NPL Coverage (%)
Page 9
9 ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation FY 2026 Aspiration MANAGEMENT HIGHLIGHT Loan Growth Net Interest Margin Credit Cost bank only bank only consolidated FY25 Realization FY26 Aspiration 9M26 Realization 10.0 - 13.0% YoY 3.3 - 3.5% 1.0 - 1.2% (Revised upward, initially 8.0-10.0%) (No changes) (No changes) 15.9% YoY 3.8% 1.15% 22.2% YoY 10.3% YtD 3.5% 1.0%
Page 10
10 | BBNI 9M26 Corporate Presentation 02 | Macroeconomic Highlights
Page 11
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation11 Market projects FFR to rise by 25bps to 4.25% in 4Q26 and by 50bps to 4.75% in 2027 Inflation has risen across countries on global supply disruption amid the Middle East conflict Source: Bloomberg, BNI OCE Source: Bloomberg, BNI OCE 1.3 1.4 1.3 1.2 2 1.8 3 4.76 2.4 1.9 3.7 3.1 2.4 0.9 1.9 1.9 2.3 2.9 3 3.1 3.28 3.7 3.8 4 4.1 7.2 China Malaysia* Japan* Singapore* South Korea Canada* UK * Indonesia US Eurozone Aggregate Australia* New Zealand* Philippine CPI Inflation Feb-26 vs. The latest (% YoY) Sep-26 Feb-26 *) Latest Data Aug-2026 Inflationary pressure has pushed central banks to tighten monetary policy The escalation geopolitics tension has lifted oil price to >USD100/bbl Source: Bloomberg, BNI OCE Source: CFR, BNI OCE 127.98 118.03 103.53 55 65 75 85 95 105 115 125 135 Mar-21 May-21 Jul-21 Sep-21 Nov-21 Jan-22 Mar-22 May-22 Jul-22 Sep-22 Nov-22 Jan-23 Mar-23 May-23 Jul-23 Sep-23 Nov-23 Jan-24 Mar-24 May-24 Jul-24 Sep-24 Nov-24 Jan-25 Mar-25 May-25 Jul-25 Sep-25 Nov-25 Jan-26 Mar-26 May-26 Jul-26 Sep-26 Brent Oil Price (USD/bbl) 42.8% 8.7 9.02 -10 -8 -6 -4 -2 0 2 4 6 8 10 Jan-23 Mar-23 May-23 Jul-23 Sept-23 Nov-23 Jan-24 Mar-24 May-24 Jul-24 Sept-24 Nov-24 Jan-25 Mar-25 May-25 Jul-25 Sept-25 Nov-25 Jan-26 Mar-26 May-26 Jul-26 Sep-26 Index of Monetary Tightening/ Loosening Note: 10 = All Tightening 0 = Neutral -10 = All Loosening 3.75 4.00 4.25 4.75 3.0 3.5 4.0 4.5 5.0 Dec-25 Oct-26 Dec-26 Dec-27 Fed Funds Rate Projection (%) Rising Middle-East tension has lifted global inflation, pushing tighter monetary policy
Page 12
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation12 Indonesia’s macroeconomic indicators showed greater resilience than peers …with a manageable public debt-to-GDP ratioIndonesia’s GDP growth is relatively higher than G-20 peers,… Domestic demand strengthened this year, driven by higher government spending, consumption, and investment Quarterly Data (% YoY) 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 GDP Growth 5.11 5.05 4.95 5.02 4.87 5.12 5.04 5.39 5.61 5.29 Domestic Demand 5.69 4.60 5.06 4.97 3.56 5.26 4.98 5.40 6.71 6.49 Private Consumption 4.91 4.94 4.91 4.98 4.95 4.97 4.89 5.11 5.52 5.06 Non-Profit Institutions 24.13 9.79 11.46 6.06 3.07 7.82 3.76 5.90 6.28 6.93 Government Expenditure 20.45 2.04 4.63 4.61 -1.22 -0.32 5.66 4.55 21.81 15.97 Real Investment 3.78 4.42 5.16 5.03 2.12 6.99 5.04 6.12 5.96 6.87 Construction Investment 5.46 5.31 6.02 5.26 1.35 4.89 3.02 3.74 5.29 6.61 Non Construction Investment -0.78 1.97 2.96 4.40 4.32 12.93 10.34 12.39 7.85 7.57 Net Exports 1.60 12.12 -3.87 -4.35 16.49 5.20 53.76 -0.31 -21.31 -20.04 Real Exports 1.81 8.38 9.29 7.89 5.91 10.14 9.14 3.25 0.90 4.13 Real Imports 1.85 7.64 12.14 10.68 3.57 11.15 0.86 3.96 6.43 8.82 Source: BPS, CEIC, BNI OCE 16.8 23.1 29.9 34.1 41.3 45.2 57.9 59.1 63.5 75.1 78.2 82.0 102.6 117.5 124.6 140.3 198.5 0 50 100 150 200 250 Russia China Indonesia Mexico Germany* South Africa United Kingdom United States Japan 2Q26 Public debt to GDP (%) Average : 75.9% *1Q26 -4.7 0.7 0.9 0.9 1.0 1.2 1.2 1.3 1.7 2.0 2.0 2.1 2.1 2.3 2.3 3.7 4.3 5.3 7.8 -7 -5 -3 -1 1 3 5 7 9 Saudi Arabia Japan Germany Italy Canada Brazil United States Turkey China India 2Q26 Economic Growth (% YoY) Average : 2.0% *1Q26 Source: CEIC, BNI OCE Source: CEIC, BNI OCE
Page 13
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation13 …driven by the robust SoE banks (Himbara) loan growth … amid the rising subsidy-compensation, material and capital spendingFiscal expenditure growth remained solid in 9M26... Loan growth has also been solid at 13.6% YoY in Aug-2026,… 1,913.9 1,968.0 2,251.7 2,234.8 2,660.5 5.9% 2.8% 14.4% -0.8% 19.0% -5% 0% 5% 10% 15% 20% 25% 0 500 1,000 1,500 2,000 2,500 3,000 9M22 9M23 9M24 9M25 9M26 Government Expenditure 9M22-9M26 Rp tn Growth (% YoY) - RHS 9M25 9M26 % YoY Government Expenditure 2,234.8 2,660.5 19.0% Material Spending 277.9 463.8 66.9% Capital Spending 173.1 202.0 16.7% Social Spending 112.7 115.8 2.8% Interest Payment 244.6 376.9 54.1% Regional Transfer 644.9 599.2 -7.1% Source: OJK, BNI OCE Source: MoF, BNI OCE Source: MoF, BNI OCE Source: OJK, BNI OCE 13.6 25.1 11.5 5.1 -10 -5 0 5 10 15 20 25 30 Aug-18 Feb-19 Aug-19 Feb-20 Aug-20 Feb-21 Aug-21 Feb-22 Aug-22 Feb-23 Aug-23 Feb-24 Aug-24 Feb-25 Aug-25 Feb-26 Aug-26 Loan Growth - OJK Data (% YoY) Total Loan Investment Loan Working Capital Loan Consumption Loan 13.7 25.6 0 5 10 15 20 25 30 Feb-22 Apr-22 Jun-22 Aug-22 Oct-22 Dec-22 Feb-23 Apr-23 Jun-23 Aug-23 Oct-23 Dec-23 Feb-24 Apr-24 Jun-24 Aug-24 Oct-24 Dec-24 Feb-25 Apr-25 Jun-25 Aug-25 Oct-25 Dec-25 Feb-26 Apr-26 Jun-26 Aug-26 Loan Growth (% YoY) Total Loan Loan Himbara 3Q26 GDP growth might have been supported by continued expansionary fiscal spending and loan growth
Page 14
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation14 …and smaller repo outstanding …followed by smaller SRBI outstanding Liquidity conditions have started to improve, which should support loan growth momentum ahead Source: BI, BNI OCE Source: BI, BNI OCE 5.70 5.75 3.5 4.0 4.5 5.0 5.5 6.0 6.5 7.0 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 Nov-25 Dec-25 Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Jul-26 Aug-26 Sep-26 BI Rate vs IndoNIA (%) As of 30-Sep-2026 IndoNIA BI-Rate 5 bps Source: BI, Bloomberg, BNI OCE 5.75 7.74 6.76 3.5 4.0 4.5 5.0 5.5 6.0 6.5 7.0 7.5 8.0 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 Nov-25 Dec-25 Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Jul-26 Aug-26 Sep-26 BI Rate vs SRBI (%) As of 30-Sep-2026 BI-Rate SRBI 101bps Source: BI, Bloomberg, BNI OCE 1,028.1 0 200 400 600 800 1000 1200 Sep-23 Oct-23 Nov-23 Dec-23 Jan-24 Feb-24 Mar-24 Apr-24 May-24 Jun-24 Jul-24 Aug-24 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 Nov-25 Dec-25 Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Jul-26 Aug-26 Sep-26 SRBI Outstanding (Rp tn) As of 30 Sept -26 231.0 0 50 100 150 200 250 300 350 400 450 500 Apr-23 Jun-23 Aug-23 Oct-23 Dec-23 Feb-24 Apr-24 Jun-24 Aug-24 Oct-24 Dec-24 Feb-25 Apr-25 Jun-25 Aug-25 Oct-25 Dec-25 Feb-26 Apr-26 Jun-26 Aug-26 Repo Outstanding (Rp tn) As of 30-Sep-26 SRBI yields have continued to decline since Jul-2026, … Improving liquidity condition has been reflected in INDONIA trading below the BI-Rate…
Page 15
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation15 Going forward, several risks warrant close monitoring for Indonesia macroeconomy Most currencies depreciated against the USD, including the Rupiah, amid global volatility Inflation risk also warrants monitoring on food prices amid El Niño and potential producer cost pass-through Therefore, inflation and FX risks are expected to push BI to raise rates by a further 25-50bps in 2H26 Source: BPS, CEIC, BNI OCE Source: Bloomberg, BNI OCE 3.28 6.76 -2.00 -1.00 0.00 1.00 2.00 3.00 4.00 5.00 6.00 7.00 8.00 Jan-23 Mar-23 May-23 Jul-23 Sep-23 Nov-23 Jan-24 Mar-24 May-24 Jul-24 Sep-24 Nov-24 Jan-25 Mar-25 May-25 Jul-25 Sep-25 Nov-25 Jan-26 Mar-26 May-26 Jul-26 Sep-26 CPI vs WPI YoY (%) CPI YoY (%) WPI YoY (%) 5.75 6.0-6.25 4.0 4.5 5.0 5.5 6.0 6.5 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 Nov-25 Dec-25 Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Jul-26 Aug-26 Sep-26 Oct-26 Nov-26 Dec-26 BI Rate (%) -8.69% -7.07% -6.62% -6.51% -6.50% -5.45% -4.79% -3.70% -3.66% -3.21% -1.79% -1.59% -1.47% -0.48% -0.45% -0.34% 0.64% 0.84% 3.18% 4.04% 5.48% 5.76% -15% -10% -5% 0% 5% 10% Swedia Indonesia India Thailand Philippines Swiss Czech Canada EU ASEAN Avg Average Ex Arg & Tur UK EM Average - Ex Arg & Tur Malaysia Japan Mexico Singapore South Africa DXY* China Brazil South Korea Exchange Rate Performance YTD (%) Data as of: 30 Sep 2026 Source: BI, CEIC, BNI OCE
Page 16
16 | BBNI 9M26 Corporate Presentation 03 | Financial Highlights
Page 17
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation17 Highlighted Results (IDR Bn) 9M25 9M26 YoY 3Q25 4Q25 1Q26 2Q26 3Q26 QoQ B/S [Consolidated] Total Assets 1,269,486 1,481,830 16.7% 1,269,486 1,362,055 1,426,758 1,461,001 1,481,830 1.4% Loan 812,195 992,514 22.2% 812,195 899,531 919,320 968,538 992,514 2.5% Third Party Funds 934,326 1,124,587 20.4% 934,326 1,040,834 1,100,582 1,100,189 1,124,587 2.2% CASA 613,383 733,741 19.6% 613,383 725,959 731,571 719,968 733,741 1.9% Current Account 344,455 433,751 25.9% 344,455 439,499 446,882 428,642 433,751 1.2% Savings Account 268,928 299,990 11.6% 268,928 286,460 284,689 291,326 299,990 3.0% Time Deposit 320,943 390,846 21.8% 320,943 314,875 369,011 380,221 390,846 2.8% P&L [Consolidated] Net Interest Income 29,253 33,238 13.6% 9,737 11,080 11,026 11,259 10,953 -2.7% Interest Income 51,167 60,007 17.3% 17,553 18,227 18,999 19,632 21,377 8.9% Interest Expense (21,914) (26,769) 22.2% (7,815) (7,147) (7,973) (8,372) (10,424) 24.5% Non Interest Income 17,024 18,498 8.7% 6,573 7,320 5,776 5,978 6,744 12.8% Operating Income 46,277 51,737 11.8% 16,310 18,400 16,802 17,238 17,697 2.7% OPEX (21,604) (24,203) 12.0% (7,795) (8,954) (7,479) (8,063) (8,660) 7.4% PPOP 24,673 27,534 11.6% 8,515 9,447 9,323 9,175 9,037 -1.5% Provisioning Charges (6,121) (7,256) 18.6% (2,333) (3,604) (2,418) (2,964) (1,874) -36.8% Net Profit 15,115 16,116 6.6% 5,021 4,926 5,661 5,095 5,360 5.2% Solidifying liquidity for healthy and efficient growth FINANCIAL HIGHLIGHT
Page 18
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation18 Highlighted Results (%) 9M25 9M26 YoY 3Q25 4Q25 1Q26 2Q26 3Q26 QoQ Profitability & Efficiency [Bank Only] CASA Ratio (Consolidated) 65.6 65.2 -0.4% 65.6 69.7 66.5 65.4 65.2 -0.2% CoF (Third Party Funds) 2.83 2.77 -0.06% 2.93 2.46 2.49 2.63 3.16 0.53% NIM 3.8 3.5 -0.3% 3.6 3.9 3.6 3.6 3.3 -0.3% ROAE* 12.7 13.3 0.6% 12.5 12.5 13.6 13.1 13.3 0.2% Pre-tax ROAA 2.2 1.9 -0.3% 2.1 2.0 2.0 1.8 2.0 0.2% CIR 45.8 45.8 0.0% 47.0 47.2 43.5 45.6 48.2 2.6% Asset Quality [Bank Only] LAR 10.4 7.8 -2.6% 10.4 8.5 8.6 8.1 7.8 -0.3% NPL (Gross) 2.0 1.9 -0.1% 2.0 1.9 1.9 1.9 1.9 0.0% Credit Cost 1.0 1.0 0.0% 1.1 1.5 1.1 1.2 0.7 -0.5% LAR Coverage Ratio 41.9 48.3 6.4% 41.9 46.9 45.9 47.4 48.3 0.9% NPL Coverage Ratio 222.7 193.3 -29.4% 222.7 205.5 204.7 198.3 193.3 -5.0% Liquidity [Bank Only] LDR 86.9 87.9 1.0% 86.9 86.4 83.5 87.7 87.9 0.2% LDR - Rupiah 85.2 90.5 5.3% 85.2 86.3 84.6 89.9 90.5 0.6% LDR - FX 94.3 76.9 -17.4% 94.3 87.1 78.3 78.7 76.9 -1.8% LCR 167.4 143.4 -24.0% 167.4 160.5 149.9 129.8 143.4 13.6% NSFR 142.1 128.4 -13.7% 142.1 141.9 136.5 132.3 128.4 -3.9% Capital [Bank Only] Tier-1 CAR 19.8 18.0 -1.8% 19.8 19.4 17.4 16.9 18.0 1.1% Total CAR 21.1 19.2 -1.9% 21.1 20.7 18.5 18.1 19.2 1.1% *ROAE with average total equity as denominator; 14.4% in 9M26 if the denominator is Tier-1 Capital as reported to OJK Strong foundation: 87.9% LDR | 19.2% CAR | solid LCR & NSFR FINANCIAL HIGHLIGHT
Page 19
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation19 Consolidated Balance Sheet (IDR Bn) Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Growth QoQ YoY Total Assets 1,269,486 1,362,055 1,426,758 1,461,001 1,481,830 1.4% 16.7% Placement with other banks & BI 33,018 33,780 46,703 70,166 48,558 -30.8% 47.1% Current Account with Bank Indonesia 92,683 79,989 105,783 44,668 59,412 33.0% -35.9% Marketable Securities [market value] 58,959 63,017 65,408 58,022 59,260 2.1% 0.5% Government Bonds [market value] 142,235 163,513 155,240 147,377 146,635 -0.5% 3.1% Loans (gross) 812,195 899,531 919,320 968,538 992,514 2.5% 22.2% Third Party Funds 934,326 1,040,834 1,100,582 1,100,189 1,124,587 2.2% 20.4% CASA 613,383 725,959 731,571 719,968 733,741 1.9% 19.6% • Current Account 344,455 439,499 446,882 428,642 433,751 1.2% 25.9% • Savings Account 268,928 286,460 284,689 291,326 299,990 3.0% 11.6% Time Deposits 320,943 314,875 369,011 380,221 390,846 2.8% 21.8% Deposits from other Banks 14,741 11,563 12,643 14,439 12,034 -16.7% -18.4% Marketable Securities Issued 32,569 32,593 24,595 27,896 27,888 0.0% -14.4% Borrowings 42,088 39,040 40,513 53,076 54,549 2.8% 29.6% Shareholders’ Equity 171,610 176,339 165,911 168,231 174,256 3.6% 1.5% Strong Balance Sheet profile FINANCIAL HIGHLIGHT
Page 20
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation20 Consolidated Profit & Loss (IDR Bn) 9M25 9M26 YoY 3Q25 4Q25 1Q26 2Q26 3Q26 QoQ Interest Income 51,167 60,007 17.3% 17,553 18,227 18,999 19,632 21,377 8.9% Interest Expense (21,914) (26,769) 22.2% (7,815) (7,147) (7,973) (8,372) (10,424) 24.5% Net Interest Income 29,253 33,238 13.6% 9,737 11,080 11,026 11,259 10,953 -2.7% Insurance & Investment Income – Net 581 585 0.6% 238 162 116 206 263 27.4% Fee-Based Income 12,881 13,945 8.3% 4,977 5,281 4,450 4,578 4,917 7.4% Recovery 3,562 3,968 11.4% 1,358 1,877 1,210 1,194 1,564 31.0% Non Interest Income 17,024 18,498 8.7% 6,573 7,320 5,776 5,978 6,744 12.8% Operating Income 46,277 51,737 11.8% 16,310 18,400 16,802 17,238 17,697 2.7% Operating Expense (21,604) (24,203) 12.0% (7,795) (8,954) (7,479) (8,063) (8,660) 7.4% Pre-Provision Operating Profit (PPOP) 24,673 27,534 11.6% 8,515 9,447 9,323 9,175 9,037 -1.5% Provisioning Charges (6,121) (7,256) 18.6% (2,333) (3,604) (2,418) (2,964) (1,874) -36.8% Net Profit 15,115 16,116 6.6% 5,021 4,926 5,661 5,095 5,360 5.2% Robust core profitability amid prudent provisioning FINANCIAL HIGHLIGHT
Page 21
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation21 Loan Composition (IDR Tn) Loan Yield by Segment (%) – Bank Only (IDR Tn) Loan growth led by wholesale FINANCIAL HIGHLIGHT Segment 3Q25 4Q25 FY25 1Q26 2Q26 3Q26 Blended Loan 7.2 7.1 7.2 6.9 6.9 7.1 Corporate 6.4 6.2 6.4 6.1 6.2 6.4 Enterprise 7.2 7.1 7.4 7.0 6.8 7.0 Commercial 8.3 8.2 8.3 7.7 8.0 8.1 Small 8.6 10.3 9.3 9.2 9.0 9.7 Consumer 8.3 8.2 8.2 7.9 7.7 7.7 IDR Yield 7.5 7.5 7.6 7.2 7.1 7.4 FX Yield 5.7 5.7 5.7 5.5 5.5 5.5 9M25 9M26 7.3 6.9 6.5 6.3 7.5 7.0 8.4 8.0 9.0 9.3 8.3 7.8 7.7 7.2 5.8 5.5 Segment Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Growth QoQ YoY Business Banking Wholesale 517.0 593.7 610.4 655.9 673.8 2.7% 30.3% Corporate 450.7 518.2 525.9 542.7 537.5 -0.9% 19.3% Enterprise 66.3 75.5 84.5 113.2 136.3 20.4% 105.6% Commercial 53.1 56.2 57.9 56.8 57.6 1.3% 8.3% Small 74.4 75.2 75.3 77.4 78.9 1.9% 6.1% KUR 27.8 26.3 25.4 25.4 25.6 0.6% -8.0% Non-KUR 46.5 48.9 50.0 52.0 53.3 2.5% 14.4% Subtotal 644.6 725.1 743.6 790.1 810.3 2.6% 25.7% Consumer Mortgage 69.8 72.7 73.9 75.2 76.7 2.0% 9.9% Personal Loan 61.4 63.5 64.4 65.6 66.8 1.8% 8.8% Credit Card 16.0 16.3 16.6 16.9 17.2 1.8% 7.6% Others 3.1 3.6 3.1 3.1 3.1 1.2% 2.1% Subtotal 150.2 156.2 158.0 160.8 163.8 1.9% 9.0% Subsidiaries 17.4 18.3 17.7 17.6 18.4 4.4% 5.8% Total Consolidated 812.2 899.5 919.3 968.5 992.5 2.5% 22.2% Working Capital* 453.3 520.3 534.4 561.6 570.4 1.6% 25.8% Investment Loan* 193.0 206.6 210.9 230.5 242.2 5.1% 25.5% *Bank-Only 55.5% 57.6% 57.2% 56.0% 54.2% 8.1% 8.3% 9.1% 11.5% 13.7%6.6% 6.3% 6.4% 6.0% 5.8%9.1% 8.3% 8.2% 8.0% 7.9% 18.5% 17.4% 17.2% 16.6% 16.5% 2.1% 2.0% 1.9% 1.8% 1.9% 0.0% 20.0% 40.0% 60.0% 80.0% 100.0% 120.0% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Corporate Enterprise Commercial Small Consumer Subsidiaries 968.5812.2 899.5 919.3 992.5
Page 22
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation22 Rp345.6 trillion loan disbursed in 3Q26, driven by top tier clients FINANCIAL HIGHLIGHT YoY Loan movement (IDR Tn) – Bank only QoQ Loan movement (IDR Tn) – Bank only Top 3 industries contributing to YoY Loan growth Top 3 industries contributing to QoQ Loan growth Outstanding Increase (IDR Tn) Quarter-on-Quarter corporate Outstanding Increase (IDR Tn) Year-on-Year corporate 952.8 976.4 1.7 Jun-26 Disbursement Install/Paid-Off Write-Off Sep-26 Wholesale Corporate Enterprise Commercial Small Consumer : 273.8 Tn : 70.9 Tn : 202.9 Tn : 38.5 Tn : 9.4 Tn : 23.9 Tn 796.5 976.4 1,098.9 Sep-25 Disbursement Install/Paid-Off Write-Off Sep-26 Wholesale Corporate Enterprise Commercial Small Consumer : 822.3 Tn : 403.1 Tn : 419.2 Tn : 143.2 Tn : 36.6 Tn : 96.8 Tn 9.8 15% 9% 4%General Trading Infrastructure 99% 35% 30% Electricity, Gas & Water 15.9 11.5 52.1 Natural Resources 345.6 320.4 Electricity, Gas, Water Natural Resources 1.7 909.2 1.3 5.7 5.7
Page 23
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation23 High quality growth on business banking and consumer banking Business Banking (IDR Tn) Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Growth YoY Comp NPL Sep-25 Sep-26 Manufacturing 150.3 141.1 151.6 155.1 155.8 3.6% 19.2% 3.2% 3.4% Trading, Restaurant & Hotel 118.0 121.2 119.8 131.5 134.2 13.7% 16.6% 3.6% 4.0% Infrastructure 62.0 120.6 130.1 130.4 126.1 103.4% 15.6% 0.8% 0.6% Natural Resources 59.8 63.3 68.4 80.7 92.3 54.4% 11.4% 0.2% 0.1% Transport, Warehouse & Communications 62.8 66.4 64.7 79.8 81.9 30.5% 10.1% 1.8% 1.3% Business Services 54.5 60.0 62.8 61.8 58.4 7.2% 7.2% 0.6% 0.9% Social Services 48.3 50.9 50.8 49.9 55.8 15.5% 6.9% 0.5% 0.3% Electricity, Gas & Water 35.5 44.4 38.3 44.6 51.1 44.1% 6.3% 0.0% 0.0% Agriculture 48.3 50.7 50.1 48.4 47.7 -1.1% 5.9% 0.7% 1.0% Others 5.2 6.4 6.9 7.9 6.9 33.6% 0.9% 2.5% 2.4% Total Business Banking 644.6 725.1 743.6 790.1 810.3 25.7% 100.0% 1.8% 1.7% Consumer Banking (IDR Tn) Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Growth YoY Comp NPL Sep-25 Sep-26 Mortgage 69.8 72.7 73.9 75.2 76.7 9.9% 46.8% 3.5% 4.1% Personal Loan 61.4 63.5 64.4 65.7 66.8 8.8% 40.8% 1.3% 1.7% Payroll Loan 58.2 60.1 60.8 61.9 63.0 8.3% 38.5% 1.3% 1.7% Fintech 3.2 3.5 3.7 3.8 3.8 18.9% 2.3% 2.5% 1.1% Credit Card 16.0 16.3 16.6 16.9 17.2 7.6% 10.5% 3.1% 4.7% Others 3.1 3.6 3.1 3.1 3.1 2.1% 1.9% 3.5% 5.0% Total Consumer Banking 150.2 156.2 158.0 160.8 163.8 9.0% 100.0% 2.6% 3.2% Personal Loan Debtors Composition Sep-26 Ample room for growth of Payroll Loan FINANCIAL HIGHLIGHT 5,336 5,591 5,839 6,205 6,707 372 379 383 391 397 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Number of Payroll Account [Thousand] Number of Payroll Loan Account [Thousand] 36.9% 37.6% 14.2% 4.3% 7.1% Government Related SOE Private Companies Universities Others Personal Loan Sep-26 IDR 66.8 Tn
Page 24
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation24 Cost of Third-Party Funds (%) – Bank Only CASA +19.6% YoY Mobile Banking and Cash Management contributed significantly to CASA Third Party Funds Composition (IDR Tn)(IDR Tn) Segment Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Growth QoQ YoY CASA 613.4 726.0 731.6 720.0 733.7 1.9% 19.6% Current Account 344.5 439.5 446.9 428.6 433.8 1.2% 25.9% Savings Account 268.9 286.5 284.7 291.3 300.0 3.0% 11.6% Time Deposit 320.9 314.9 369.0 380.2 390.8 2.8% 21.8% Third Party Funds 934.3 1,040.8 1,100,6 1,100.2 1,124.6 2.2% 20.4% CASA Ratio 65.6% 69.7% 66.5% 65.4% 65.2% -0.2% -0.4% Balanced funding mix supports liquidity resilience FINANCIAL HIGHLIGHT 2.62 2.57 2.74 2.22 2.16 2.44 2.55 1.00 1.06 1.13 0.93 0.91 0.97 1.18 4.87 5.10 4.95 4.20 4.15 4.28 5.39 2.75 2.81 2.93 2.46 2.49 2.63 3.16 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Current Account Saving Account Time Deposits Cost Of Third Party Fund 36.9% 42.2% 40.6% 39.0% 38.6% 28.8% 27.5% 25.9% 26.5% 26.7% 34.4% 30.3% 33.5% 34.6% 34.8% -85 -75 -65 -55 -45 -35 -25 -15 -5 5 0.0% 20.0% 40.0% 60.0% 80.0% 100.0% 120.0% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Current Account Saving Account Time Deposit 934.3 1,040.8 1,100.6 1,100.2 1,124.6 90% 93% Sep-25 Sep-26 3% 76% 79% Sep-25 Sep-26 Retail Savings balance from mobile apps users 3% Wholesale Current Account balance from cash management users
Page 25
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation25 Breakdown of Fee-based Income (IDR Bn) Fee-Based Income 3Q25 4Q25 1Q26 2Q26 3Q26 QoQ 9M25 9M26 YoY Consumer Banking 2,095 2,334 1,911 1,972 2,073 5.1% 5,701 5,957 4.5% Account Maintenance 678 651 606 683 704 3.1% 1,771 1,993 12.6% ATM & e-Channel 449 515 476 485 532 9.9% 1,268 1,493 17.8% Debit Card Maintenance 138 139 137 129 126 -2.3% 395 393 -0.5% PPOB & Bill payment 100 123 109 113 115 1.9% 283 337 19.2% Remittance 67 73 68 69 77 11.4% 201 215 6.9% Card Business, Bancass 438 485 455 445 461 3.4% 1,311 1,361 3.9% Other Consumer Banking 225 348 59 47 57 20.8% 473 164 -65.3% Business Banking 2,727 2,728 2,335 2,576 2,767 7.4% 6,848 7,678 12.1% Trade Finance 159 203 186 200 210 4.9% 524 597 13.9% Marketable securities 949 665 667 606 945 55.9% 2,290 2,219 -3.1% FX Trading, Revaluation & Derivatives 315 247 373 379 408 7.6% 791 1,160 46.6% Pension Fund 64 64 44 85 66 -22.4% 183 195 6.9% Syndication 361 601 190 297 324 9.0% 664 811 22.2% Share Investment 468 476 440 634 430 -32.2% 1,349 1,504 11.5% Custody, Coop Fee 75 76 73 75 74 -1.6% 222 222 0.1% Other Business Banking 338 396 360 299 309 3.4% 825 969 17.4% Total Fee-Based Income (Bank Only) 4,822 5,063 4,246 4,549 4,840 6.4% 12,549 13,635 8.6% Other Subsidiaries 154 219 204 30 77 160.1% 331 311 -6.2% Total Fee-Based Income (Consolidated) 4,977 5,281 4,450 4,578 4,917 7.4% 12,881 13,945 8.3% FINANCIAL HIGHLIGHT Solid fee-based income underpins core profit growth Key Fee Income growth contributors Solid growth in Banking Activities Fee supported by favorable rate environment (IDR Bn) Bank-only (IDR Bn) Bank-only 14% 12% 25% 25% 61% 63% 9M25 9M26 14% 16% 12% 15% 10% 26% 18% 25% 22% 28% 60% 66% 64% 63% 62% 3Q25 4Q25 1Q26 2Q26 3Q26 Banking Activities Trading Activities Share Investment & Other Fee Income 4,822 5,063 12,549 13,6354,246 4,549 4,840 1,771 1,993 9M25 9M26 Account Maintenance 12.6% 791 1,160 9M25 9M26 FX Trading, Revaluation & Derivatives 46.6% 1,268 1,493 9M25 9M26 ATM & e-Channel 17.8% 8.6%
Page 26
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation26 Opex Composition Quality over quantity Cost to Income and Cost to Asset ratio Prudent frontloading of costs, focusing on personnel & digitalization expenses Result-oriented reward scheme calibration to retain and attract top talents Operating Expenses 3Q25 4Q25 1Q26 2Q26 3Q26 QoQ 9M25 9M26 YoY Personnel Expenses 3,917 4,107 3,776 3,704 4,575 23.5% 10,482 12,055 15.0% Base Salary 1,178 1,173 1,264 1,203 1,237 2.8% 3,562 3,704 4.0% Other Allowance 1,728 1,820 1,337 1,271 2,034 60.1% 3,534 4,643 31.4% Post Employee Benefits 723 712 932 944 1,055 11.8% 2,577 2,931 13.7% Training 42 69 15 36 59 67.3% 122 110 -9.7% Subsidiaries 245 333 227 251 188 -25.1% 687 666 -3.0% Digitalization & Transactional 433 595 463 540 370 -31.5% 1,217 1,372 12.7% G&A Expenses 1,911 2,468 1,632 1,971 1,960 -0.6% 5,490 5,562 1.3% IT & Telecommunication 319 453 320 442 286 -35.1% 1,040 1,048 0.8% Occupancy Related 162 173 130 148 198 33.6% 462 477 3.2% Promotion 330 402 179 202 302 49.5% 745 682 -8.3% Transport & Travel 59 92 44 65 72 10.8% 186 181 -2.6% Goods, Prof. Services & Others 893 1,158 804 973 914 -6.1% 2,658 2,692 1.3% Subsidiaries 147 190 154 141 187 32.9% 399 482 20.8% Other Expenses 1,498 1,729 1,568 1,811 1,721 -4.9% 4,315 5,100 18.2% Other Subsidiaries* 36 54 41 38 35 -7.3% 100 113 13.8% Total Operating Expenses 7,795 8,954 7,479 8,063 8,660 7.4% 21,604 24,203 12.0% Bank-only FINANCIAL HIGHLIGHT Variable remuneration & digitalization drove opex in 9M26 *Starting in 2025, BNI Life implemented IFRS 17 from previously IFRS 4 43.3% 42.6% 42.9% 44.6% 46.2% 45.8% 45.8% 2.5% 2.5% 2.5% 2.5% 2.5% 2.4% 2.2% 2021 2022 2023 2024 2025 9M25 9M26 CIR Cost to Asset 10,482 12,055 9M25 9M26 Personnel Expenses (IDR Bn) 1,217 1,372 9M25 9M26 Digitalization & Transactional Expenses (IDR Bn) (IDR Bn)
Page 27
27 | BBNI 9M26 Corporate Presentation 04 | Asset Quality
Page 28
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation28 ASSET QUALITY Strengthening risk discipline: portfolio improvements offset by selective consumer pressures 55.9% 66.8% 55.0% 55.5% 58.2% 13.7% 5.5% 7.5% 8.9% 8.4% 8.0% 6.2% 7.4% 6.5% 5.4% 7.6% 6.8% 9.2% 8.1% 7.2% 14.8% 14.7% 20.8% 21.0% 20.7% 3.6% 2.5% 3.0% 2.9% 2.7% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Corporate Enterprise Commercial Small Consumer SML Ratio 67.6% 63.5% 65.9% 60.0% 60.3% 12.9% 16.8% 15.3% 18.0% 15.9% 5.8% 6.4% 5.9% 7.0% 8.0% 6.8% 6.3% 6.0% 6.8% 6.4% 6.9% 7.0% 6.8% 8.2% 9.3% 4.9% 4.0% 3.7% 3.3% 3.2% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Corporate Enterprise Commercial Small Consumer Coll 1R 33.9% 24.1% 23.3% 20.8% 20.0% 7.5% 18.4% 18.2% 18.6% 18.4% 16.7% 17.6% 17.6% 18.2% 18.0% 17.2% 15.2% 15.0% 16.1% 16.1% 24.6% 24.8% 25.9% 26.3% 27.6% 2.0% 1.9% 1.9% 1.9% 1.9% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Corporate Enterprise Commercial Small Consumer NPL Ratio Special Mention Loan (Coll. 2) (by segment & bank only) Non-Performing Loan (NPL) (by segment & bank only) Current Restructured Loan (by segment & bank only) Loan at Risk (by segment & bank only) (IDR Tn) 28.6 22.5 27.4 27.2 (IDR Tn) 25.9 (IDR Tn) 15.6 17.1 17.5 (IDR Tn) 18.4 19.0 57.2% 55.5% 52.5% 49.1% 49.5% 12.2% 13.8% 13.2% 14.9% 14.0% 8.6% 8.9% 9.1% 9.5% 9.6% 9.0% 8.5% 9.2% 9.5% 9.1% 13.0% 13.4% 16.0% 17.0% 17.8% 10.4% 8.5% 8.6% 8.1% 7.8% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Corporate Enterprise Commercial Small Consumer LaR 82.9 74.8 78.1 77.0 75.9 38.7 35.3 33.2 31.4 31.0
Page 29
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation29 Bank-wide improvement, Consumer segment under watch ASSET QUALITY Non-Performing Loan Write Off & Recovery Loan at RiskSpecial Mention Loan Segment Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Corporate 3.5% 2.9% 2.9% 2.8% 2.8% Enterprise 5.9% 1.7% 2.4% 2.1% 1.6% Commercial 4.3% 2.4% 3.5% 3.1% 2.5% Small 2.9% 2.0% 3.4% 2.8% 2.4% Consumer 2.8% 2.1% 3.6% 3.6% 3.3% Total SML- % 3.6% 2.5% 3.0% 2.9% 2.7% Total SML (IDR Bn) 28,649 22,487 27,374 27,225 25,920 Segment Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Corporate 1.2% 0.8% 0.8% 0.7% 0.7% Enterprise 1.8% 4.3% 3.8% 3.0% 2.6% Commercial 4.9% 5.2% 5.3% 5.9% 5.9% Small 3.6% 3.5% 3.5% 3.8% 3.9% Consumer 2.6% 2.7% 2.9% 3.0% 3.2% Total NPL- % 2.0% 1.9% 1.9% 1.9% 1.9% Total NPL (IDR Bn) 15,586 17,079 17,500 18,394 18,978 Segment Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Corporate 10.5% 8.0% 7.8% 6.9% 7.0% Enterprise 15.2% 14.0% 12.2% 10.2% 7.8% Commercial 13.4% 11.4% 12.2% 12.9% 12.7% Small 10.1% 8.4% 9.5% 9.4% 8.8% Consumer 7.2% 6.4% 7.9% 8.2% 8.2% Total LAR- % 10.4% 8.5% 8.6% 8.1% 7.8% Total LAR (IDR Bn) 82,888 74,822 78,105 77,016 75,918 11,778 15,398 1,772 4,459 6,194 3,670 5,614 1,258 2,489 4,096 31.2% 36.5% 71.0% 55.8% 66.1% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% - 2,000 4,000 6,000 8,000 10,000 12,000 14,000 16,000 18,000 9M25 2025 1Q26 1H26 9M26 Write Off (Rp Bn) Recovery (Rp Bn) Recov. to Write Off Ratio
Page 30
30 ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation Lower NPL & Write-Off reflect portfolio resilience ASSET QUALITY 55% of the loan written off during 9M26 came from client origination before 2022 56% of 9M26 NPL formation came from client origination before 2022 IDR 8.1Tn 9M26 NPL Formation -34.6% YoY IDR 6.2Tn 9M26 Write Off -47.4% YoY Driving better asset quality: 9M26 NPL formation* of 1.3% comfortably beats the 2.0% historical 2022-2025 average Organic improvement: 9M26 W/O to Loan ratio of 1.0% much lower than the 2.2% historical 2022-2025 average *Refer to slide 5 on management highlight *Refer to slide 5 on management highlight
Page 31
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation31 Conservative provisioning builds resilient reserves ASSET QUALITY Assigned Loan Loss Reserve by Coll & Stage Provisioning for Loan (IDR Tn) NPL % NPL Coverage % LAR % LAR Coverage % 1.9 205.5 8.5 46.9 Dec-25 Sep-26 1.9 193.3 7.8 48.3 Notes: Figures are on bank only basis. 1) LAR ratio = Special Mention loans + NPL + Total Current Restructured Loans 2) NPL Coverage Ratio = Allowance for Impairment Losses divided by NPL amount. 3) LAR Coverage Ratio = Allowance for Impairment Losses divided by LAR amount 35.1 28.9 36.7 6.2 6.8 Loan Provision - Dec 2025 Write Off 2026 Loan Provision - after write off Provision Build Up Loan Provision - Sep 2026 Prov Charges for loan (net*) *after deducting loan remedial IDR 1.0 Tn Stage Sep-26 Amount (IDR Tn) LLR Stage 1 889.2 0.4% Stage 2 54.1 25.5% Stage 3 33.0 57.1% All Stage 976.4 3.8% Collectability Sep-26 Amount (IDR Tn) LLR Current – Normal 900.5 0.6% LaR 75.9 41.6% Current Restructured 31.0 22.7% Collectability 2 (SML) 25.9 48.0% NPL 19.0 63.5% All Collectability 976.4 3.8% CoC by Segment Segment 3Q-25 4Q-25 1Q-26 2Q-26 3Q-26 9M25 9M26 Corporate 0.2% 0.5% 0.1% 0.2% 0.2% -0.3% 0.2% Enterprise 1.1% 4.0% 0.1% 2.6% -0.2% 0.6% 0.8% Commercial 3.3% 5.7% 2.4% 0.6% 2.0% 3.4% 1.6% Small 3.5% 3.5% 3.9% 3.8% 1.8% 4.4% 3.2% Consumer 2.0% 0.9% 2.8% 2.6% 2.1% 2.5% 2.5% CoC % - Bank wide 1.1% 1.5% 1.1% 1.2% 0.7% 1.0% 1.0%
Page 32
32 ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation Improved LaR and NPL below Pre-Covid level ASSET QUALITY NPL & NPL Coverage Ratio TrendLAR & LAR Coverage Ratio Trend Notes: Figures are on bank only basis. 1) LAR ratio = Special Mention loans + NPL + Total Current Restructured Loans 2) NPL Coverage Ratio = Allowance for Impairment Losses divided by NPL amount. 3) LAR Coverage Ratio = Allowance for Impairment Losses divided by LAR amount 145% 182% 233% 278% 319% 256% 205% 193% Avg 2017-2019 Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Sep-26 NPL Coverage Ratio NPL ratio 34% 27% 37% 49% 53% 49% 47% 48% Avg 2017-2019 Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Sep-26 LAR Coverage LAR Ratio 9.1% 28.7% 23.3% 16.0% 12.9% 10.3% 8.5% 7.8% 2.2% 4.3% 3.7% 2.8% 2.1% 2.0% 1.9% 1.9%
Page 33
33 | BBNI 9M26 Corporate Presentation 05 | Digital Initiatives
Page 34
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation34 DIGITAL INITIATIVES We’re exceeding on every customer touch points BNI Open API Ecosystem SME Digital Channel We are aiming to enhance digital solutions for all customers’ needs, rather than focusing on a specific product. Introduced on 9 Oct 2024 New Integrated Corporate Portal for Wholesale Solution Acquiring Trx Value IDR 135 Tn ▲ 29% yoy 1,042k+ Active Card & QRIS merchant 15.6 mn cards in circulations ▲ 8% yoy # of Transaction 118 Mn ▲ 16% yoy 2,000++ Partners Best in class – open banking ecosystem digitalservices.bni.co.id 283 API Services Trx Value IDR 9,324 Tn ▲ 16% yoy # of Transaction 1,194 Mn ▲ 13% yoy Trx Volume IDR 467 Tn ▼ 23% yoy ATM/CRM All key features have been fully migrated to wondr by BNI Business Merchant Mobile Banking All Mobile Banking Channel Total Trx Value IDR 1,774 Tn ▲ 25% yoy # of Transaction 2.1 Bn ▲ 30% yoy Trx Value IDR 1,525 Tn # of Transaction 1.8 Bn ▲ 111% growth yoy ▲ 93% growth yoy 13,381 ATMs No of Trx 643 Mn ▼ 7% yoy Trx Value IDR 2.83 Tn ▲ 13% yoy Acquiring # of Transaction 716 Mn ▲ 55% yoy Trx Value IDR 135 Tn ▲ 29% yoy (EDC + QRIS + Online Merchant) Trx value IDR 52 Tn ▲ 235% yoy # of Transaction 1.52 Mn ▲291% yoy Branchless Banking 234k+ Agents ▲ 3.8% yoy # of Transaction 79 Mn ▼ 0,31% yoy Trx value IDR 39 Tn ▲ 22% yoy SMS Banking Trx Value IDR 1.5 Tn ▼ 44% yoy # of Transaction 91 Mn ▼ 22% yoy ATM/CRM Launched in August 2025 Savings account balance in Mobile Banking IDR 209 Tn ▲ 14% yoy
Page 35
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation35 DIGITAL INITIATIVES Core Value Proposition: The 3-Dimensional Financial Ecosystem • TRANSACTIONS Smooth, high-velocity daily utility (QRIS, scheduled payments, and centralized funding sources). • INSIGHTS Aggregated lifestyle spending trackers and automated financial diagnostics that understand money habits. • GROWTH Seamless cross-selling of investment vehicles (Life Goals Saving, Time Deposit, Mutual Fund, Bond) Evolving Beyond Transactions: A unified ecosystem for daily banking, wealth growth, global citizenship, and family ecosystem Capturing Global Citizens via wondr Multicurrency (launched July 2025) Consolidates IDR primary account with up to 12 major foreign currencies under a single account number. Helps frequent international travelers, study-abroad families, and cross-border businesses. Capturing Family Life Cycle via wondr-Z (launched August 2026) From first savings to first financial decisions, wondrZ helps parents nurture financially responsible teens through real-world digital banking experiences. IDR 2.3 Mn More features & capabilities to come … 726.577 ( 10x YTD) CIF (Customer ID) IDR 1.7 T ( 4x YTD) Total SA Balance Avg Balance/Acc Active Debit Card 98.0% of CIF More personalized & Exclusive wondr experience for Emerald & Private Banking > 38K users Gold trading Branch Services Reservation and authorization 2.8 10.5 16.6 Sep-24 Sep-25 Sep-26 Registered User (Mn) Monthly Account Opening (New CIF) No of Transactions (9M26) 1,83 Bn ▲ 111% YoY Wondr Users Drive Significant Savings Growth IDR 186 Tn ▲ 33% YoY Ratings 4.9/5.0 Ratings 4.8/5.0 Avg. 12,2 K ▲ 118% Growth vs pre-launch Active wondrZ users 61.3% & many more 58% 71% QRIS, transfers, and investments drive 71% of Wondr transactions Trx Value (9M26) IDR 1,525 Tn ▲ 93% YoY
Page 36
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation36 Harnessing the power of integrated wholesale banking solution DIGITAL INITIATIVES Transaction value (IDR Tn) • Strong penetration rate in Corporate clients: 73% of total transaction value comes from Corporate Clients • Corporate Clients’ transaction value increased by 7% YoY Payment Management Collection Management Liquidity Management Value Chain Management Open Banking Solution receivables BNIdirect Solid digital solutions for Business Banking clients Number of users (in 000) # of Transactions (in Mn) digitalservices.bni.co.id BNI API 283 services (approved by regulator), the most compared to peers Utilized by 2.000++ partners Best API Initiative 2025 Business Banking Category 2026 Best API / Open Banking Platform & SME Transaction Providers 2025 A standardized API designed to comply with the Standar Nasional Open API Pembayaran (SNAP), ensuring secure, interoperable, and standardized integration across the Indonesian payment ecosystem. POWERED BY : Support fast, secure, and real-time transactions through Regulator standards. Optimizing API to BNI’s Core Operational 246.1 292.8 Sep-25 Sep-26 19.0% YoY 8,026 9,324 9M25 9M26 16.2% YoY 1,059 1,194 9M25 9M26 12.9% YoY
Page 37
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation37 Branchless Banking DIGITAL INITIATIVES 15.1k 13.2k 4k User Friendly More Additional Features, Promo & Information Linked to BNI Digital Loan e-Form (KUR Micro) Realtime Sharing Fee for Agents Plenty Bill payment Services Financial Report Transaction Online Account Opening, Cash Withdrawal & Deposit +3.8% YoY Spread Across: Inclusive Services • Online Account Opening • Money Transfer • Government Subsidy • KUR Loan referrals • Cash Withdrawal and Deposit • Tax and Bill Payment BNI Agen46 Improves The Quality of Life and Productivity of MSMEs Grocery store, bundled with all-in-one financial services of Agen46 • Increase Customer Traffic • Commission-based income for facilitated transactions 7 Thousands Districts 42 Thousands Villages 234K+ Agents 32k+ Agents are in frontier, remote and disadvantaged areas Chargeable transactions at Agents Continues to Increase as literacy improves Solid contribution to financial inclusionEmpowering agents with powerful mobile banking app # of Transactions at Agen46 by TypeBranchless Banking 9M25 9M26 YoY # Agent 226,143 234,897 4% Agent Fund (IDR Bn) 5,531 5,959 8% #Trx (Mn) 79.8 79.6 -0.3% Volume (IDR Tn) 32.3 39.6 22% #Pandai Account (Th) 21,190 22,191 5% Pandai Fund (IDR Tn) 1.2 3.6 209% CONFIDENTIAL 46% 25% 6% 4% 19% Inquiry Saldo Cash Withdrawal BNI Transfer Top up e-wallet Others 79.5 Million 9M-2026 17.8 20.2 26.7 50.6 67.4 68.5 48.5 42.8 2020 2021 2022 2023 2024 2025 9M25 9M26 chargeable transaction (Mn)
Page 38
38 | BBNI 9M26 Corporate Presentation 06 | ESG
Page 39
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation39 BNI Sustainability Commitment in building long-term value ESG VISION ENABLER PILLAR STRATEGY & INITIATIVES TO BE A TRUSTED AND INNOVATIVE GLOBAL FINANCIAL INSTITUTION THAT DELIVERS SUSTAINABLE PERFORMANCE SUSTAINABLE FINANCE CORPORATE SUSTAINABILITY INCLUSION & RESILIENCE Governance, People, IT & Data Infrastructure Net Zero Emission (NZE) Operation by 2028 Strengthening cyber security & customer data protection Employee awareness & capabilities Sustainable operational practices Strengthening financial inclusion and literacy, & community empowerment Internalization of National and International ESG Standards Sustainable financing, funding and programs across all segments Nature & biodiversity preservation Transparency and accountability of sustainability practices Strategic partner for debtors in their sustainable business transition Sustainability Pillars BNI’s Sustainability Pillars integrate ESG priorities into our strategy to strengthen performance, resilience, and long-term shareholder value. ESG Blueprint Net Zero Emission (NZE) TargetASPIRATION & TARGET Integrating ESG into Financing, Risk Management, and Debtor Transition Partner • Green financing grew at a 17.1% CAGR from Dec-2020 to Sep-2026, becoming a key driver of BNI’s sustainable portfolio. • Expanding Sustainability-Linked Loans (SLLs) to drive measurable sustainability performance by linking financing to Sustainability Performance Targets (SPTs). • Advancing sustainable finance through the successful issuance of Green Bonds in 2022 and Sustainability Bonds in 2025. Sustainable Finance ESG Risk Management • BNI has integrated ESG aspects into its Risk Acceptance Criteria (RAC), which covers 23 industrial sectors, becoming sector-specific financing guidelines that mandate minimum sustainability requirements, prohibited activities, and recommended sustainability practices. • Climate Risk Stress Testing (CRST) has been fully implemented across 100% of BNI's loan portfolio, leveraging OJK and NGFS standards to enhance climate risk management and support resilient lending decisions. • Implemented the Indonesian Sustainable Finance Taxonomy (TKBI) for borrowers in the Energy, Commercial Real Estate (CRE), Transportation & Services (T&S), and AFOLU sectors, with planned expansion to Manufacturing, Agriculture, Forestry & Fishing (AFF), Water Supply, Sewerage, Waste Management & Remediation (WSSWMR), Information & Communication, and Professional, Scientific & Technical Activities. Strategic Partner for Debtors • BNI provided ESG Advisory Playbook to help debtors understanding the sector-specific benefits and opportunities of sustainability transition, raising awareness of its strategic value and encouraging greater readiness to embark on their sustainability journey. • Becoming strategic partner for debtors by technical assistance covering Sustainable Finance Taxonomy (TKBI) and ESG Advisory. Advancing ESG Leadership • Reinforcing GHG reduction of NZE Scope 1 & Scope 2 targets by 2028 and NZE Scope 3 targets by 2060. • BNI holds a single A MSCI ESG Rating, highlighting its strong governance standards, sound business ethics, and enhanced management of ESG-related risks in credit underwriting. The bank also maintains a Medium Risk classification under the Sustainalytics ESG Risk Rating. • BNI is the first bank in Indonesia to develop a comprehensive sector-specific ESG Advisory Playbook designed to support debtors in their sustainability transition • Adapting International ESG Reporting Standards (GRI, SASB, SUSBA, ACGS) • Preparing for the implementation of IFRS S1 and S2 Standard, aimed at strengthening climate risk management, with full implementation in 2027. Sustainable Business Operations • Fair operating, human rights, and labor practices. • Zero data breach with high standard of customer data privacy and security protection. • Zero tolerance for fraud and financial crimes. • Effective CSR Program. 332.5 Ton CO₂e Avoided emissions in 9M2026 from Zero Waste to Landfill implementation across six head office buildings 3 Green Building Certification 495 units Solar panel utilization in Plaza BNI & PIK2 92.6 Corporate Governance Perception Index (CGPI) Represented respectable Good Corporate Governance (GCG) practices. 118.24 ASEAN Corporate Governance Scorecard (ACGS) 6.7% Emission scope 1 & 2 reduction from baseline (2023)
Page 40
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation40 Driving ESG progress, scaling sustainable finance ESG * Sustainable portfolio is loan to business sectors that meet The Sustainable Business Activities Category (KKUB) requirements by OJK ESG Performance Highlights in 9M2026 Empower Customer Engagement through Wondr Earth BNI launched earth to empower customers to manage their carbon footprint and contribute to environmental preservation. *Carbon footprint calculations are based on IPCC references. Main features: Carbon Footprint Calculator* Recommendation number of trees Tree Planting Locations Selection Contribution Payment Contribution Reporting Sustainable Financing Portfolio* * Sustainable portfolio is loan to business sectors that meet The Sustainable Business Activities Category (KKUB) requirements by OJK Socioeconomic Empowerment Natural resource management and sustainable land use Pollution Prevention • Sustainable portfolio reached IDR 196.2 Tn or 20.1% of total loan (bank only) consists of socioeconomic empowerment IDR 123.2Tn and green financing IDR 73.0 Tn • Green financing has delivered a CAGR of 17.1% from Dec-2020 to Sep-2026, reinforcing BNI's long-term commitment to sustainable growth. IDR 12.1 Tn Financing to hydro, solar & biogas power plant IDR 10.6 Tn Sustainable water and wastewater management, etc. IDR 11.0 Tn IDR 35.4 Tn Financing and empowerment program towards micro & SME IDR 123.2 Tn IDR 3.9 Tn Achieving specific CO2 emissions Reducing emissions, recycling resin and gender equality Reducing GHG emission intensity across refinery and chemical operations Sector Loan disbursement under SLL scheme SPT (Sustainable Performance Target) ~ USD 270 Mn in total* Cement Manufacture Packaging Manufacture Petrochemical Industry Sustainability-Linked Loans (SLL) Energy Efficiency Renewable Energy Others Green Portfolio (IDR Tn) Social Portfolio (IDR Tn) 113.8 117.0 123.2 113.2 117.1 118.8 123.2 29.5 55.4 59.7 67.9 73.4 78.0 73.0 FY20 FY21 FY22 FY23 FY24 FY25 3Q26 CAGR Green Portofolio 17.1% *USD 1 eq IDR 17.875 * Sustainable portfolio is loan to business sectors that meet The Sustainable Business Activities Category (KKUB) requirements by OJK Strengthening Sustainable Finance Taxonomy (TKBI) Implementation Driving Net Zero 2028 Strategies BNI has implemented Version 3 of the Indonesia Sustainable Finance Taxonomy (TKBI), expanding sector coverage to include: Scaling Up Zero Waste to Landfill Across Regions and Branches • Full implementation across 6 head offices. BNI is looking to pursue various Scope 2 decarbonization initiatives, including: Agriculture, Forestry & Fishing (AFF)* Manufacture Water Supply, Sewerage, Waste Management & Remediation In Q3 2026, BNI advanced the implementation of TKBI Version 3 through four key initiatives: TKBI Version 3 Tool Development Socialization to BNI’s Business Units Technical Workshops for Debtors Coaching Clinic for BNI’s Business Units* Energy Efficiency Programs Renewable Energy Certificate (REC) Information & Communi cation • Pilot Program in Region & Branch Offices. Implementation to regional & branch offices gradually. 2026 2027 Zero Waste to Landfill (ZWTL) is an initiative to minimize waste and preventing it from ending up in landfills by applying the 3R principles. Professional, Scientific & Technical Activities *A follow-up assistance session providing practical guidance to address sector -specific issues. 67% SLL Debtors achieved their Sustainability Performance Targets (SPTs), the remaining undergoing periodic review.
Page 41
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation41 Catalyzing sustainable development through sustainable funding ESG GREEN BOND Summary of 2022 Green Bond Issuance Rating A Series : June 21, 2025 B Series : June 21, 2027 idAAA (PEFINDO) IDR 5 Tn A Series: 3 years Term 6.35% amount of IDR 4 Tn B Series: 5 years Term 6.85% amount of IDR 1 Tn Total Issuance Maturity Date Oversubscription rate 3.1x As the first Rupiah-denominated green bond, BNI established a Green Bond Framework and obtained a Second-Party Opinion (SPO) from Sustainalytics. Proceeds are exclusively allocated to finance/ refinance "Eligible Green Projects" : Use of Proceed *) BNI Green Bond Report 2026 can be accessed on https://www.bni.co.id/Portals/1/BNI/Perusahaan/ESG/Docs/Report-Green-Bond-BNI-2026-EN.pdf Summary of 2025 Sustainability Bond Issuance Rating A Series : July 04, 2028 B Series : July 04, 2030 idAAA (PEFINDO) IDR 5 Tn A Series: 3 years Term 6.60% amount of IDR 3.5 Tn B Series: 5 years Term 6.65% amount of IDR 1.5 Tn Total Issuance Maturity Date Oversubscription rate 1.2x BNI established a Sustainability Bond Framework and obtained a “credible and impactful” Second-Party Opinion (SPO) from Sustainalytics. Proceeds are allocated to finance/refinance "Eligible Green and Social Project" in line with Sustainability Bond Guidelines 2021, Green Bond Principles 2021, Social Bond Principles 2023 and meeting at least one of the following eligible project categories: Green Project Renewable Energy Energy Efficiency Waste to Energy and Waste Management Sustainable Natural Resources and Land Use Sustainable Transportation Sustainable Water and Wastewater Management Climate Change Adaptation Green Buildings Terrestrial and Aquatic Biodiversity Conservation Affordable Basic Infrastructure Service both in terms of access and cost Access to Essential Services Affordable Housing Job Creation and Programs Designed to Prevent and/or Reduce Unemployment, including MSME Financing Socio-economic Improvement and Empowerment Food Security and Sustainable Food Systems Social Project Use of Proceed *) BNI Sustainability Bond Report 2026 can be accessed on https://www.bni.co.id/Portals/1/BNI/Perusahaan/ESG/Docs/Sustainability-Bond-Report-2026.pdf SUSTAINABILITY BOND 5.1% 24.9% 52.7% 10.5% 6.4% 0.3% 0.1% IDR 5.0 Tn (100% of procced) Sectoral distribution of the proceeds Sustainable Natural Resources and Land Use Sustainable Transportation Food Security and Sustainable Food Systems Affordable Housing Access to Essential Services - Hospital Affordable Basic Infrastructure Services - Toll RoadAccess to Essential Services - Disability Facility The 2026 Sustainability Bond Allocation Report received an independent SPO from Moody's Ratings, confirming that “BNI has allocated the proceeds of the issuances in alignment with the four core components of the International Capital Market Association's (ICMA) Green Bond Principles (GBP) 2025, Social Bond Principles (SBP) 2025 and in accordance with the issuer's framework-level criteria”. 39.1% 60.5% 0.4% IDR 5.0 Tn (100% of procced) Sectoral distribution of the proceeds Renewable Energy Sustainable Transportation Waste to Energy & Waste Management The 2026 Green Bond Allocation Report received an independent SPO from Moody's Ratings, confirming that “BNI allocated the Green Bond proceeds in accordance with the four core components of the 2025 ICMA Green Bond Principles and in accordance with the issuer's framework-level criteria.” Renewable Energy Energy Efficiency Waste to Energy and Waste Management Sustainable Natural Resources and Land Use Sustainable Transportation Sustainable Water and Wastewater Management Climate Change Adaptation Green Buildings Sustainable Agriculture Terrestrial and Aquatic Biodiversity Conservation
Page 42
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation42 Strengthening BNI’s role as strategic partner through ESG advisory ESG ESG Advisory Playbook BNI becomes the first Indonesian bank to develop sector-specific ESG Advisory Playbooks supporting debtors' sustainability transition. Sector Coverage Understand1 Assess2 Prioritize3 Transform4 Build awareness of sector-specific ESG challenges, opportunities, and transition drivers. Evaluate ESG maturity and identify readiness gaps through self- assessment. Identify the most relevant transition initiatives based on business needs and preparedness. Develop a tailored sustainability transition roadmap with practical implementation recommendations. How the ESG Advisory Playbook Works BNI is deepening its engagement with corporate debtors through the ESG Advisory Pilot Technical Assistance, providing tailored transition guidance to strengthen long-term sustainability and resilience. Palm Oil Sector1 Mining Sector2 Assisted the alignment of the debtor's climate targets with the Science Based Targets initiative (SBTi). Conducted gap analysis and provided sector- specific recommendations to strengthen alignment with the Transition Pathway Taskforce (TPT) Mining & Metals Sector Guidance. BNI has implemented this initiative to 6 (six) priority sectors. Mining & Quarrying (Coal Mining) Manufacture (Metal Processing) Transportation & Storage (Water Transportation) Construction (Highway Construction) Electricity (Sub Sector Coal Fired Power Plant) Agriculture & Forestry (Palm Oil) Advanced ESG Advisory through Pilot Technical Assistance Current Progress Next Step The ESG Advisory Playbook has been rolled out to Relationship Managers (RMs) and debtors in priority sectors through capacity-building and socialization sessions, covering the following segments: Corporate Enterprise Commercial Building on the initial pilot, BNI plans to gradually expand ESG Advisory Technical Assistance additional debtors and priority sectors, strengthening debtors transition readiness. Expansion of Technical Assistance BNI has piloted initiatives in the following sectors:
Page 43
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation43 Sector guides of responsible financing * sustainable portfolio is loan to business sectors that meet the requirements of The Sustainable Business Activities Category (KKUB) of OJK Destroying world heritage sites Forced labor, child exploitation, human rights violation Illegal logging Narcotics productions & trading Weapons Trading protected animals Violating the rights of local community Gambling & money laundering Prohibited by the government Politically Exposed Person (PEP) No Exposure in BNI Credit Policy ESG The palm oil sector guide applies to all palm oil plantations, crude palm oil mills, palm oil refiners, and traders The coal financing guide applies to coal mining and its supporting business (trader and heavy equipment suppliers) Committed to implementing the No Deforestation, No Peat, and No Exploitation (NDPE) policy Obligations to fulfill a mandatory business permits: Plantation Business Permit (IUP), Cultivation Business License (IUP-B), Plantation Business Registration (IUP-P), Plantation Business Registration (SPUP) We require new palm oil debtors to have RSPO or ISPO, and request customers to achieve full RSPO certification within a timeframe in order to expand their target market. For Middle segment, requirement for ISPO is applied as affirmative covenant. the fulfilment of which will be monitored regularly by RM and become subject to periodic internal audit Have strategies to reduce negative impacts on the environment and social Financing to coal mining is strictly for Top Tier Corporates with good ESG practices Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) Debtors have at least a Blue PROPER (Environmental Performance Rating) from the Ministry of Environment Life and Forestry Debtors agree to comply with the loan agreement clause that they will comply with all applicable environmental regulations and required documentations. The failure to satisfy it will impact loan continuity Have strategies to reduce negative impacts on the environment and social There is no forced labor or employment of minors % COAL TO TOTAL LOAN (BANK ONLY) COAL LOAN BREAKDOWN Coal Related Manufacture Coal Briquette Coal Mining & Trading Agriculture – Palm Oil Coal OthersCoal % PALM OIL TO TOTAL LOAN (BANK ONLY) % PALM OIL PORTFOLIO WITH RSPO AND / OR ISPO*PALM OIL LOAN BREAKDOWN Palm Oil Others Plantation Refinery & Palm Oil Mill Trading RSPO and/ or ISPO Certified In the certification process Oil & Gas Environmental regulatory compliance (AMDAL / UKL-UPL / RKL-RPL) Environmental performance (minimum PROPER Blue with improvement toward PROPER Green) Environmental & Energy Management Systems policy/procedure standard (e.g. ISO 14001, ISO 50001) Hazardous waste management implementation Climate mitigation and adaptation plan/strategy Social negative impact mitigation strategy Environmental and social impacts reduction strategy 94% 6% 94% 6% 0.02% 6% 94% 68% 31% 1% 32.6% 67.4%
Page 44
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation44 Best-in-class governance becomes corporate priority Protection of minority shareholders and initiatives to foster their involvement ISO 37001:2016 Concerning Anti Bribery Management System BNI Code of Ethics Annual Declaration Training/Socialization Predicate as a “Leadership in Corporate Governance” Based on the 2025 ASEAN Corporate Governance Scorecard (ACGS) standard from the Indonesia Institute for Corporate Directorship (IICD), Whistleblowing System (managed by independent external party) Respectful Working Place BNI has issued regulation in the company guideline regarding the implementation of Respectful Workplace (RWP) which aims to create a safe comfortable work environment, respect and protect human dignity prioritize mutual respect, free from discrimination, exclusion or restrictions, bullying and harassment and various form of violence, both mental, and physical for all employees Good Corporate Governance Practices ESG The Board of Commissioners All Committees under BOC are chaired by an independent commissioner Audit Committee Risk Monitoring Committee Nomination & Remuneration Committee Integrated Governance Committee The Board of Directors BNI fosters and supports the principles of diversity, equality and non-discrimination 23% (3 out of 13) of the Board of Directors are female, demonstrating the Company’s commitment to gender diversity and inclusive leadership. All BOD members are independent from the controlling shareholder BOD distribution by age by Sep-26 3 out of 6 are independent commissioners One female Independent Commissioner, reflecting the Company’s commitment to Board diversity. <50 years old 50 - 55 >55 years old Top Management 15.3% 30.8% 53.9%
Page 45
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation45 Embodying sustainability culture Employee Diversity Gender Age Note: 1. Top Management defines as AVP , VP , SVP , EVP , and SEVP Level. 2. All figures stated as of Sep 2026 with the total number of employees: 27,214. 3. The recruitment, compensation, and career advancement policies of the bank make no distinctions based on ethnicity, religion, race, gender, or physicaldisability. Association membership Gender 4,662 units of ATM for Disabilities Equipped with voice services and braille to help people with visual and physical disabilities BNI WWF Affinity Card Cardholders can participate in funding conservation activities through a sharing fee of 0.4% from each retail transaction. BNI Amex Vibe Card Targeting youth segment, With card using recycled materials BNI UMKM Ramah Lingkungan (BUMI) BNI Jejak Kopi Khatulistiwa (JKK) BNI encourages MSMEs to adopt greener operational practices. As of 9M 2026, BNI successfully distributed IDR 38.7 Bn to 124 MSMEs in the craft industry sector. Aiming to boost financial inclusion, build a green economy ecosystem and prepare coffee farmers for global markets. As of 9M 2026, BNI distributed IDR 47.6 Bn to 315 MSMEs. Women 52% Men 48% <25 4% 25-29 18% 30-34 22% 35-40 27% 41-50 19% >50 9% Employee Diversity Product/ Services with Environmental Impact Empowering Women in Top Management Green Office Culture Green campaign through various media Green Building Certification by the Green Building Council Indonesia (GBCI) for: • Menara BNI with Gold Certification • Plaza BNI with Platinum Certification Green Building Leadership in Energy and Environmental Design (LEED) Certification for BNI Building PIK2 with Gold Certification in Building Construction Category. Adopting a paperless office administration system (E-Office) 2 Units Public EV Charging Station, in Plaza BNI & Menara BNI 2 Buildings Equipped with Sewage Treatment Plants (STPs), in Plaza BNI & Menara BNI. Treated wastewater is recycled for flushing and water plants. 2 Buildings Equipped magnetic bearing technology chiller compressor, in Plaza BNI & Grha BNI. 495 Units Solar panel installed in Plaza BNI for the emergency exit (76 units) and BNI Building PIK2 (419 units). ESG United Nations Environment Programme Finance Initiatives (UNEP FI) Member Indonesia Sustainable Finance Initiatives (IKBI) Founder/Member Indonesia Business Council for Sustainable Development (IBCSD) Founder/Member Indonesia Green Building Council (GBCI) Member Indonesia Human Capital Forum (FHCI) Member Himpunan Bank Milik Negara The Alliance for Green Commercial Banks Member Women 33% Men 67%
Page 46
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation46 As a systemic bank, BNI put heavy emphasis on IT & Digital Risk Management ESG PEOPLE ▪ Security Policy ▪ Security Awareness to employees & customers ▪ Attack Simulation to employees ▪ Dedicated Cybersecurity Staff PROCESS ▪ Security Assessment ▪ Cybersecurity Operation & Threat Management ▪ Penetration Testing & Vulnerability Assessment ▪ Threat Intelligence TECHNOLOGY Cybersecurity & Data Protections Multi-layer security on the infrastructure and network (firewall, IPS, WAF, Database Monitoring, multisite datacenter, DRC), application (Multi-factor Authentication, Encryption, Secure Software Development Life Cycle, Mobile Application Protection), end-point protection (Data Loss Prevention, Endpoint Detection & Response, Antivirus, Hardening, USB Port blocking) and secure data transmission mechanism (data encryption, secured Global File Exchange system, Secure File Transfer Protocol/SFTP , Virtual Private Network/VPN, Secure Hypertext Transfer Protocol/HTTPs) to protect the customer data from cyber threat. User Access Management Identity access management (IAM), Single-sign on (SSO), Privileged access management (PAM), Active directory for end-point access security. Collaborating with official state bodies (BI, OJK and BSSN), security device principals and other communities to obtain information on threats and weaknesses, the latest technology and products, as well as support when incidents occur. Standard & Best Practice Strategic Partner SEVP IT Development & Operations IT Strategy & Architecture CISO Application Development IT Application Services IT Infrastructure Management SORX* Technology, Digital & Operations *) SORX: Senior Operational Risk Executive GOVERNANCE PROTECTION OPERATION Security awareness Information security provisions Organizational capabilities Multi-layer defense mechanism Penetration testing Incident management & forensics 24x7 Security Operation Center (SOC) Threat intelligence User access management Establishment of CISO (Chief Information Security Officer) IT Security Governance Centers on Three Pillars IT & Digital Risk Management Framework SEVP Digital Delivery Wholesale Digital Delivery Retail Digital Delivery AI & Big Data Analytics Information Technology Director IT Certifications & Assurance ISO 27001: 2022 Information Security Management System August 25, 2025 - January 15, 2029 Service and Organization Control (SOC) 2 Covering security, availability, confidentiality, and privacy. Uptime Institute’s Tier Certification of Operational Sustainability (TCOS) Obtained Tier III Gold Certification of Operational Sustainability for data center management. 1 2 3 Board of Directors (management board) level, by the Technology Management Committee oversees cybersecurity & information security, ensuring alignment with BNI’s business strategy and risk management framework. Board of Commissioners (supervisory board) level receives quarterly reporting of cybersecurity and IT vulnerability through Risk Profile reporting by executive management. Board Oversight
Page 47
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation47 External recognition of our best-in-class ESG practices *Based on the 2022 ASEAN Corporate Governance Scorecard (ACGS) standard from the Indonesia Institute for Corporate Directorship (IICD) INDONESIAN BIODIVERSITY FOUNDATION Period: June – November 2026 IDX ESG star-listed companies: https://esg.idx.co.id/ Period: June – November 2026 Last Update: 5 October 2026 MSCI ESG RATINGS A CCC B BB BBB A AA AAA Asia’s Best Sustainability Report - Bronze 6 March 2025 Last Update: 2 October 2026 Negl Low High SevereMed. 0-10 10-20 20-30 30-40 40+ 22.1 ESG Risk Rating Medium Risk Ranking INDUSTRY GROUP Banks UNIVERSE Global Universe 316 out of 932 4,700 out of 13,426 12 October 2026 ASEAN Asset Class 2025 Leadership in Corporate Governance Best Innovation in Circular Economy Implementation – Very Good Best Innovation in Sustainable Finance Implementation – Very Good 3 September 2026 Recognition for Mangrove Conservation and Coastal Community Economic Empowerment MSCI ESG Rating Sustainalytics Anugerah Ekonomi Hijau 2026 Asia Sustainability Reporting Awards (ASRA) 2024 SWA MediaASEAN Corporate Governance Scorecard (ACGS) 30 April 2026 Investortrust SRI (KEHATI) Index Constituent of Sustainable Investment IDX ESG Leader Index 1 of 30 Listed Public Company ESG 1 September 2026 Trusted Diamond Achievement in Emission Transparancy
Page 48
48 | BBNI 9M26 Corporate Presentation 07 | About BNI
Page 49
49 ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation Board of Commissioner (BoC) DONNY HUTABARAT COMMISSIONER ▪ Assistant Governor, Head of the Financial Market Development Department, Bank Indonesia (2020 – 2025) ▪ Member of the Market Committee of the Bank for International Settlements (MC-BIS) (2020 – 2025) ▪ Head of Bank Indonesia London Representative Office, Bank Indonesia (2017 – 2020) OMAR SJAWALDY ANWAR PRESIDENT COMMISSIONER/INDEPENDENT COMMISSIONER TEDI BHARATA VICE PRESIDENT COMMISSIONER ▪ Deputy Head, State-Owned Enterprises Regulatory Body (BP BUMN) (2025 – present) ▪ Deputy for Human Resources, Technology, and Information, Ministry of State-Owned Enterprises (2021 – 2025) ▪ Commissioner, Bank Mandiri (Persero) Tbk. (2024 – 2025) ▪ Senior Advisor, PT Accord Innovations (2026 – present) ▪ Executive Chairman, IBM Indonesia Technology (2023 – 2026) ▪ President Director, Prudential Syariah Life Assurance (2021 – 2023) DIDIK JUNAEDI RACHBINI INDEPENDENT COMMISSIONER ▪ Rector, Paramadina University (2021 – present) ▪ President Independet Commisioner, PT Lippo Cikarang Tbk (2022 – present) ▪ Chairman of the Supervisory Board, Foundation for Economic and Financial Development Institute (LPEK) INDEF (1996 – present) VERA FEBYANTHY INDEPENDENT COMMISSIONER ▪ Member of Commission XI of the House of Representatives of the Republic of Indonesia (2019 – 2024 term) ▪ Member of Commission XI of the House of Representatives of the Republic of Indonesia (2009 – 2014 term) FEBRIO NATHAN KACARIBU COMMISSIONER ▪ Director General of Economics and Fiscal Strategy, Ministry of Finance (2025 – 2026) ▪ Commisioner of PT Pupuk Indonesia (Persero) (2020 – 2025) ▪ Head of the Fiscal Policy Agency at the Ministry of Finance (2020 – 2025)
Page 50
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation50 Board of Director (BoD) ALEXANDRA ASKANDAR Deputy President Director ▪ Deputy President Director, Bank Mandiri (2020 – 2025) ▪ Corporate Banking Director, Bank Mandiri (2019 – 2020) ▪ Institutional Banking Director, Bank Mandiri (2018 – 2019) ABU SANTOSA SUDRADJAT Treasury & International Banking Director ▪ SEVP International Banking & Financial Institutions, Bank Mandiri (2024 – 2025) ▪ GM Overseas & Singapore Branch, Bank Mandiri (2020 – 2024) ▪ Group Head Treasury, Bank Mandiri (2019 – 2020) RIAN ERIANA KASLAN Network and Retail Funding Director ▪ SEVP Retail Digital Solution, Bank Negara Indonesia (2021 – 2025) ▪ President Commissioner, Hibank Indonesia (2024 – 2025) ▪ President Commissioner, PT BNI Modal Ventura (2022 – 2024) HUSSEIN PAOLO KARTADJOEMENA Finance & Strategy Director (CFO) DAVID PIRZADA Risk Management Director ▪ SEVP Wholesale Risk, Bank Mandiri (2018 – 2020) ▪ Country Chief Risk Officer, Bank of Tokyo Mitsubishi UFJ, Jakarta (2015 – 2018) ▪ Head of Risk Administration Department, The Bank of Tokyo Mitsubishi UFJ Ltd (2010) TOTO PRASETIO Information Technology Director RONNY VENIR Operations Director ▪ Network and Services Director, Bank Negara Indonesia (2020 – 2025) ▪ SEVP Network, Bank Negara Indonesia (2019 – 2020) ▪ SEVP Middle Business, Bank Negara Indonesia (2018 – 2019) AGUNG PRABOWO Corporate Banking Director ▪ Wholesale and International Banking Director, Bank Negara Indonesia (2024 – 2025) ▪ President Director, BNI Sekuritas (2021 – 2024) ▪ Managing Director, UBS Investment Bank (2013 – 2021) CORINA LEYLA KARNALIES Consumer Banking Director ▪ Retail Banking Director, Bank Negara Indonesia (2024 – 2025) ▪ Digital & Integrated Transaction Banking Director, Bank Negara Indonesia (2023 – 2024) ▪ Consumer Banking Director, Bank Negara Indonesia (2020 – 2023) ▪ Digital and Integrated Transaction Banking Director, Bank Negara Indonesia (2024 – 2025) ▪ President Commissioner, Hibank Indonesia (2023 – 2024) ▪ SEVP Corporate Development & Transformation, Bank Negara Indonesia (2020 – 2024) PUTRAMA WAHJU SETYAWAN President Director (CEO) ▪ Deputy President Director, Bank Negara Indonesia (2024 – 2025) ▪ Retail Banking Director, Bank Negara Indonesia (2023 – 2024) ▪ Treasury Director, Bank Negara Indonesia (2022 – 2023) EKO SETYO NUGROHO Institutional Banking Director ▪ Finance & Risk Management Director, Pupuk Iskandar Muda (2023 – 2025) ▪ Head of Distribution Network & Sales Division, Bank Negara Indonesia (2022) ▪ Head of Regional Office 14, Bank Negara Indonesia (2021) MUNADI HERLAMBANG Human Capital & Compliance Director ▪ Institutional Banking Director, Bank Negara Indonesia (2024 – 2025) ▪ Institutional Relations Director, Jasa Raharja (2021 – 2024) ▪ Finance, Human Capital & Risk Management Director, Wijaya Karya Bitumen (2019 – 2021) MUHAMMAD IQBAL Commercial Banking Director ▪ SME and Retail Funding Director, Bank Tabungan Negara (2024 – 2025) ▪ Institutional Banking Director, Bank Negara Indonesia (2023 – 2024) ▪ Enterprise & Commercial Banking Director, Bank Negara Indonesia (2022 – 2023) ▪ Technology and Operations Director, Bank Negara Indonesia (2023 – 2025) ▪ SEVP Information Technology, Bank Mandiri (2019 – 2022) ▪ Group Head IT Application Support, Bank Mandiri (2017 – 2019)
Page 51
51 ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation Network and Distribution EmployeesATM BNI has also entered into key arrangements with prominent companies for payment channelling, financing, loan distribution, and network/outlet development *As per POJK No.12/POJK.03/2021, KK is registered as KCP 249,317 Business Banking Debtors 246,307 Small Segment Debtors 2,063 Commercial Segment Debtors 947 Wholesale Segment Debtors *Including overseas debtors 73.7 Funding Accounts million 24.2 Regular Savings Accounts million 2.2 Credit Cards *include P2P lending card million Singapore Nov 1955 Hongkong Apr 1963 Tokyo Sep 1969 New York Apr 1983 London Apr 1984 Osaka Dec 2012 Seoul Feb 2016 Amsterdam May 2022 Sydney Sep 2024 Sep-26 1,777 2025 1,776 2024 1,780 2023 1,781 2022 1,808 Sep-26 13,381 2025 13,396 2024 13,388 2023 13,390 2022 16,125 Sep-26 20 2025 20 2024 20 2023 19 2022 23 Sep-26 26 2025 26 2024 26 2023 26 2022 27 Sep-26 12 2025 12 2024 12 2023 12 2022 12 Sep-26 27,214 2025 27,201 2024 27,203 2023 27,570 2022 27,170 268.9 Mortgage Customers thousand Branchless Banking Commercial Business Center (CMC) Retail Productive Business Center (RRC) Consumer Loan Processing Center (LNC) Outlets (KC, KCP , KK*) Overseas Offices Individual Customer Highlights Non-Individual Customer Highlights Sep-26 234,897 2025 217,013 2024 213,370 2023 185,697 2022 164,979
Page 52
52 ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation Subsidiaries contribution to BNI Group Year of establishment Shares ownership MULTIFINANCE SECURITIES REMITTANCE 1983 99.99% 1995 75.00% LIFE INSURANCE 1996 60.00% 1996 100.00% SECURITIES 2021 100.00% BANK 2022* 63.92% VENTURE CAPITAL 2022 99.98% * Year of acquisition Group Structure BNI Life Insurance Rank in Industry* #8 (in form of Gross Written Premium) *Data 1H 26 Shareholder Structure 60% ~40% BNI Sumitomo Life The Asian Post The Excellent Performance State-Owned Enterprise Subsidiary 2026 (Based on Financial Performance of 2025) BNI Sekuritas hibank Shareholder Structure 75% 25% BNI SBI Financial Services Investment Banking Revenue Rank #3 In-House Counsel Awards 2026 Indonesia’s Most Innovative In-House Counsel Team 2026 Shareholder Structure 63.9% 36.1% BNI Mayora Inti Utama SME-Focused Digital Bank as Long-Term Growth Engine for The Group Indonesia Popular Digital Product Award 2026 The Iconomics Subsidiaries Total Asset (IDR Bn) Growth (YoY) % to total 9M25 9M26 BNI Life Insurance 29,484 30,802 4.5% 50.6% hibank 23,066 19,548 -15.3% 32.1% BNI Sekuritas consolidated 4,083 4,763 16.7% 7.8% BNI Finance 5,876 5,206 -11.4% 8.5% BNI Ventures 528 541 2.6% 0.9% BNI Remittance 12 5 -56.6% 0.0% Total 63,049 60,864 -3.5% 100.0%
Page 53
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation53 BASEL 3 Capital requirement and BNI Capital realization 2.0% (Capital Surcharge on Systemic Bank) 9.95% CAR based on Risk Profile 14.45% (starting from Apr-26) (valid until Sep-26) 2.5% (Capital Conservation Buffer) 18.6% 18.2% 16.5% 1.4% 1.3% 1.5% 1.4% 1.2% 1.2% Dec 24 Dec 25 Sep 26 CET 1 AT 1 Tier 2 CAR 19.2% Notes: Counteryclical Buffer = 0% REGULATORY REQUIREMENT 13.95% Min. CAR based on Risk Profile + add buffers (valid until Mar-26) 9.95 % CAR based on Risk Profile (starting from Mar-25) 20.7% 21.4% Risk Weighted Asset (Bank Only – IDR Tn) Dec-24 Dec-25 Sep-26 RWA - Credit Risk 660.2 750.0 807.5 RWA - Market Risk 14.2 11.2 15.2 RWA - Operational Risk 37.4 40.4 45.5 Total RWA 711.8 801.6 868.3 Total Capital 152.3 165.6 166.7 CAR - % 21.4 20.7 19.2 BBNI Capital Realization Dec-24 Dec-25 Sep-26 Common Equity Tier I Capital (%) Minimum Requirement 10.30 10.45 10.95 BNI Realization 18.6 18.2 16.5 Additional Tier I Capital (%) 1.4 1.3 1.5 Tier I Capital (%) Minimum Requirement 11.80 11.95 12.45 BNI Realization 20.0 19.4 18.0 Total CAR Based on Risk Profile + Add Buffers (%) 1. BNI Risk Profile (Rating 2 Sound) 9.8 10.0 10.0 2. Capital Conservation Buffer 2.5 2.5 2.5 3. Countercyclical Buffer (Applied to all bank) 0.0 0.0 0.0 4. Capital Surcharge (Bank with systemic risk) 1.5 1.5 2.0 Minimum Requirement (%) 13.80 13.95 14.45 CAR BNI Realization (%) 21.4 20.7 19.2 BBNI Capital Realization Risk Weighted Asset (Bank Only – IDR Tn) Capital Ratios are well above minimum requirement (bank only)
Page 54
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation54 BNI shares & rating Fitch Rating Outlook Long Term Foreign Currency Long Term Local Currency Short Term Foreign Currency Viability Rating National Long Term Rating National Short Term Rating Pefindo Corporate Rating Standard & Poor's Outlook Long Term Foreign Issuer Credit Long Term Local Issuer Credit Short Term Foreign Issuer Credit Short Term Local Issuer Credit Moody's Outlook Foreign Long Term Bank Deposits Local Long Term Bank Deposits Baseline Credit Assessment Adjusted Baseline Credit Assessment Counterparty Risk Assessment Negative BBB BBB F2 bbb- AAA/Stable F1+ AAA/Stable Stable BBB BBB A-2 A-2 Negative Baa2 Baa2 Baa3 Baa3 Baa2/p-2 ▪ Issued shares 37,297,312,916 shares Breakdown of shares ownership 13% Retail 87% Institutions Free Float Shares Geographical distribution of free float shares (as of Sep-26) 41.8% Indonesia 21.0% US & Canada 16.2% UK 12.9% Asia 7.3% Europe 0.9% Australia 0.01% Rest of the World 40% 9% 37% 17% -19% 1% -17% 10% 4% 6% -3% 22% -25% 2021 2022 2023 2024 2025 Sep-26 BBNI Share Price - 1Y (%) JCI - 1Y (%) 126 172 200 162 163 126 1.06 1.33 1.40 0.99 0.98 0.77 2021 2022 2023 2024 2025 Sep-26 Market Cap (IDR Tn) PBV (x) Source: Nasdaq Shareholder Report Historical Share Price Performance Versus JCI – YoY Trend Market Cap Movement & PBV Diversified Shareholder Base BNI Shares & Rating Ownerships Sep-26 Government of Indonesia (BP BUMN) – Seri A Dwiwarna 0.6% PT Danantara Asset Management 59.4% Public (Free Float) 40.0% Public – Domestic 18.9% Public – Foreign 21.1%
Page 55
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation55 Breakdown yield earning asset & interest bearing liabilities (bank only) Breakdown Earning Asset 9M25 FY25 1H26 9M26 Growth YoY Amt (IDR Tn) Yield Amt (IDR Tn) Yield Amt (IDR Tn) Yield Amt (IDR Tn) Yield Amt (%) Yield Loan 796.5 7.3% 883.0 7.2% 952.8 6.9% 976.4 6.9% 22.6% -0.4% Non Loan 264.6 5.2% 287.8 5.2% 350.5 4.6% 333.0 4.8% 25.8% -0.4% Marketable Securities 173.6 4.4% 199.3 4.3% 200.6 4.0% 205.5 4.2% 18.4% -0.2% Placement 64.5 3.4% 55.5 3.5% 120.4 3.2% 95.9 3.4% 48.7% 0.0% Acceptance and Other Receivables 26.5 14.3% 33.0 14.6% 29.5 12.1% 31.5 13.1% 19.2% -1.2% Total Earning Assets 1,061.1 6.7% 1,170.9 6.7% 1,303.3 6.3% 1,309.4 6.4% 23.4% -0.4% Breakdown Interest Bearing Liabilities 9M25 FY25 1H26 9M26 Growth YoY Amt (IDR Tn) CoF Amt (IDR Tn) CoF Amt (IDR Tn) CoF Amt (IDR Tn) CoF Amt (%) CoF Third Party Fund 916.8 2.8% 1,021.9 2.7% 1,086.1 2.6% 1,110.5 2.8% 21.1% -0.0% Current Account 338.6 2.6% 433.7 2.5% 425.0 2.3% 429.9 2.4% 26.9% -0.2% Savings 268.2 1.1% 285.7 1.0% 290.6 0.9% 299.2 1.0% 11.6% -0.1% Time Deposit 310.0 5.0% 302.5 4.8% 370.6 4.2% 381.4 4.6% 23.0% -0.4% Borrowings & Repo 48.8 6.1% 43.4 5.9% 82.3 4.8% 69.3 5.0% 41.8% -1.1% Marketable Securities Issued 32.7 4.9% 32.7 4.9% 28.0 5.8% 28.0 6.0% -14.2% 1.1% Total Interest Bearing Liabilities 998.3 3.4% 1,098.0 3.3% 1,196.4 3.0% 1,207.8 3.2% 21.0% -0.2% Net Interest Margin 9M25 FY25 1H26 9M26 Growth YoY 3.8% 3.8% 3.6% 3.5% -0.3%
Page 56
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation56 Consolidated Profit or Loss (IDR Bn) 2021 2022 2023 2024* 2025 9M25 9M26 Interest Income 50,026 54,659 61,472 66,583 69,394 51,167 60,007 Interest Expense (11,779) (13,338) (20,196) (26,103) (29,061) (21,914) (26,769) Net Interest Income 38,247 41,321 41,276 40,480 40,333 29,253 33,238 Insurance & Investment Income – Net 1,399 1,552 1,659 766 743 581 585 Fee-Based Income 13,639 14,820 14,783 16,624 18,461 12,881 13,945 Recovery 2,581 3,780 5,030 6,025 5,439 3,562 3,968 Operating Income 55,865 61,472 62,747 63,896 64,976 46,277 51,737 Operating Expense (24,801) (27,059) (27,778) (29,112) (30,856) (21,604) (24,203) Pre-Provision Operating Profit (PPOP) 31,064 34,413 34,970 34,783 34,120 24,673 27,534 Provisioning Charges (18,298) (11,514) (9,196) (8,211) (9,724) (6,121) (7,256) Net Profit 10,898 18,312 20,909 21,464 20,041 15,115 16,116 Consolidated Balance Sheet (IDR Bn) 2021 2022 2023 2024* 2025 Sep-25 Sep-26 Total Assets 964,838 1,029,837 1,086,664 1,130,129 1,362,055 1,269,486 1,481,830 Placement with other banks & BI 92,290 51,569 43,794 17,076 33,780 33,018 48,558 Marketable Securities [market value] 26,053 28,556 37,408 48,534 63,017 58,959 59,260 Government Bonds [market value] 111,430 121,291 127,100 132,072 163,513 142,235 146,635 Loans (gross) 582,436 646,188 695,085 775,872 899,531 812,195 992,514 Third Party Funds 729,169 769,269 810,730 805,511 1,040,834 934,326 1,124,587 Deposit from other banks 14,377 15,245 11,894 18,548 11,563 14,741 12,034 Marketable Securities Issued 18,751 22,110 21,822 30,674 32,593 32,569 27,888 Borrowings 32,458 35,654 30,950 42,931 39,040 42,088 54,549 Shareholders’ Equity 126,520 140,198 154,733 166,548 176,339 171,610 174,256 *2024 results have been restated following the implementation of IFRS 17, impacting line items Total Assets, Shareholders’ Equity, Fee-Based Income, Operating Expense, and PPOP 5 Years financial data (1/2)
Page 57
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation57 *ROAE with average total equity as denominator ; 14.4% in 9M26 if the denominator is Tier 1 Capital as reported to OJK All ratios are bank only, unless stated otherwise Financial Ratios (%) 2021 2022 2023 2024 2025 9M25 9M26 LOAN Growth [Consolidated] 5.3 10.9 7.6 11.6 15.9 10.5 22.2 CASA Ratio [Consolidated] 69.4 72.4 71.2 69.9 69.7 65.6 65.2 CASA Growth [Consolidated] 9.0 10.1 3.6 -2.5 28.9 13.3 19.6 CAPITAL Shareholders’ equity to total asset 13.1 13.6 14.2 14.6 13.0 13.5 11.7 Tier I - CAR (include operational risk) 17.7 17.5 20.2 20.0 19.4 19.8 18.0 Tier II - CAR (include operational risk) 2.0 1.8 1.7 1.4 1.2 1.3 1.2 Total CAR (credit,market + operational risk) 19.7 19.3 22.0 21.4 20.7 21.1 19.2 ASSET QUALITY Net Non-Performing Loan 0.9 0.5 0.6 0.7 0.7 0.8 0.7 Gross Non-Performing Loan 3.7 2.8 2.1 2.0 1.9 2.0 1.9 Credit Cost 3.3 1.9 1.4 1.1 1.2 1.0 1.0 NPL Coverage 233.4 278.3 319.0 255.8 205.5 222.7 193.3 RENTABILITY Pre-Tax ROAA 1.4 2.5 2.6 2.5 2.1 2.2 1.9 ROAE* 9.4 14.9 15.2 14.2 12.7 12.7 13.3 Net Interest Margin 4.7 4.8 4.6 4.2 3.8 3.8 3.5 EFFICIENCY Cost to Income Ratio 43.3 42.6 42.9 44.6 46.2 45.8 45.8 LIQUIDITY Loan to Deposit Ratio 79.7 84.2 85.8 96.1 86.4 86.9 87.9 DIVIDEND Dividend Payout Ratio [%] 25.0 40.0 50.0 65.0 65.0 - - 5 Years financial data (2/2)
Page 58
ESGDIGITAL INITIATIVES ASSET QUALITY FINANCIAL HIGHLIGHT MANAGEMENT HIGHLIGHT | BBNI 9M26 Corporate Presentation58 NO BROKERAGE ANALYST E-MAIL 1 Autonomous Yong Hwa yseng@autonomous.com 2 Bahana Securities Razqi Kurniawan Razqi.Kurniawan@bahana.co.id 3 BCA Securities Andre Benas andre.benas@bcasekuritas.co.id 4 CGS International Handy Noverdanius handy.noverdanius@cgsi.com 5 Ciptadana Securities Erni M Siahaan Siahaanerni@ciptadana.com 6 Citi Investment Research Ferry Wong Ferry.wong@citi.com 7 CLSA Sarina Lesmina Sarina.Lesmina@clsa.com 8 Danareksa Securities Victor Stefano Victor.stefano@brids.co.id 9 DBS Bank Rui Wen Lim ruiwenlim@dbs.com 10 Goldman Sachs Melissa Kuang Melissa.kuang@gs.com 11 HSBC Singapore Wai Fai Kok wai.fai.kok@hsbc.com.sg 12 Indo Premier Securities Jovent Muliadi Jovent.muliadi@ipc.co.id 13 JP Morgan Harsh Wardhan Modi Harsh.w.modi@jpmorgan.com 14 KB Valbury Securities Akhmad Nurcahyadi Akhmad.nurcahyadi@kbvalbury.com 15 Macquarie Jayden Vantarakis Jayden.vantarakis@macquarie.com 16 Mandiri Securities Kresna Hutabarat Kresna.hutabarat@mandirisek.co.id 17 Maybank Kim Eng Securities Jeffrosenberg Chenlim Jeffrosenberg.lim@maybank.com 18 Mirae Asset Securities Robertus Yanuar Hardy Robertus.hardy@miraeasset.co.id 19 MNC Securities Victoria Venny Victoria.nawang@mncgroup.com 20 Morgan Stanley Selvie Jusman Selvie.Jusman@morganstanley.com 21 Nomura Verdhana Raymond Kosasih Raymond.kosasih@verdhana.id 22 RHB Securities Andrey Wijaya Andrey.wijaya@rhbgroup.com 23 Samuel Securities Suria Dharma Suria.dharma@samuel.co.id 24 Sucor Securities Edward Lowis Edward.lowis@sucorsekuritas.com 25 Trimegah Securities Jonathan Gunawan jonathan.gunawan@trimegah.com 26 UOB Kay Hian Posmarito Pakpahan posmarito@uobkayhian.com 27 UBS Joshua Tanja Joshua.tanja@ubs.com Equity research contact details
Page 59
59 | BBNI 9M26 Corporate Presentation PT. Bank Negara Indonesia (Persero) Tbk. Investor Relations Division Grha BNI Building, 21st Floor Jln. Jend. Sudirman Kav. 1 Jakarta 10220 T: 62-21-5728314 E: ir@bni.co.id Disclaimer This presentation has been prepared by PT. Bank Negara Indonesia (Persero), Tbk. (the “Company”) for information purposes only. No representation or warranty, express or implied, is given by or on behalf of the Company (BNI nor any of its subsidiaries, its affiliates, directors, commissioners, employees and representatives) as to the accuracy, correctness, reasonableness or completeness of the information or opinions contained in this presentation. The presentation does not constitute or form part of an offer, solicitation or invitation of any offer, to buy or subscribe for any securities, nor should it or any part of it form the basis of, or be relied in any connection with, any contract, investment decision or commitment whatsoever. The Company (BNI nor its subsidiaries, its affiliates, directors, commissioners, employees and representatives) does not accept any liability whatsoever for any loss however arising from any use of this presentation or their contents or otherwise arising in connection therewith (whether written or verbal communication). Forward-Looking Statements Some of the information in this presentation may contain projections or other forward-looking statements regarding future events or the future financial performance of the Company. These forward-looking statements include all matters that are not historical facts. They are subject to known and unknown risks and uncertainties and can be affected by other factors that could cause actual results to differ materially from those expressed or implied in the forward-looking statements. The Company undertakes no obligation to revise or update any forward-looking statement contained within this presentations, regardless of whatever those statements are affected as a result of new information, future events or otherwise. Rounding Please note that rounding differences may appear throughout the presentation. Thank You