Interim report
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CONSOLIDATED FINANCIAL STATEMENTS PT BANK NEGARA INDONESIA (PERSERO) Tbk AND SUBSIDIARIES Periods of September 30, 2026 Unaudited BNI registered with and supervised by the Financial Services Authority
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3Q26 Publication Report > PT Bank Negara Indonesia (Persero) Tbk STATEMENTS OF FINANCIAL POSITION AS OF SEPTEMBER 30, 2026 AND DECEMBER 31, 2025 (IN MILLIONS OF RUPIAH) NO ACCOUNTS INDIVIDUAL CONSOLIDATED SEP 30, 2026 (Unaudited) DEC 31, 2025 (Audited) SEP 30, 2026 (Unaudited) DEC 31, 2025 (Audited) ASSETS 1. Cash 10,563,947 13,257,078 10,626,723 13,352,065 2. Placements with Bank Indonesia 101,335,372 104,406,159 102,312,881 108,667,322 3. Placements with other banks 53,048,268 29,273,126 55,425,189 31,039,886 4. Spot and derivative/forward receivables 11,619,066 5,422,349 11,619,066 5,422,349 5. Securities 174,751,253 191,817,739 206,599,827 225,173,116 6. Securities sold under repurchase agreements (repo) 5,251,959 6,940,304 5,765,133 6,940,304 7. Receivables from securities purchased under resell agreements (reverse repo) 31,389,000 6,112,945 31,463,035 6,910,606 8. Acceptance receivables 17,935,546 19,559,625 17,935,546 19,582,746 9. Loans 976,381,824 883,013,377 992,514,481 899,530,691 10. Sharia financing - - - - 11. Equity investments 20,554,823 20,306,035 15,243,853 15,006,592 12. Other financial assets 17,490,184 15,629,282 17,593,852 15,762,592 13. Allowance of impairment losses on financial assets -/- a. Securities (49,273) (44,176) (49,273) (44,181) b. Loans (36,683,400) (35,090,063) (37,676,166) (35,860,626) c. Other financial assets (1,168,030) (1,192,000) (1,168,129) (1,192,200) 14. Intangible assets - - 757,570 757,570 Accumulated amortization on intangible assets -/- - - (16,197) (15,365) 15. Fixed assets and equipment 50,116,301 49,204,896 51,759,623 50,730,702 Accumulated depreciation on fixed assets and equipment -/- (20,478,758) (18,907,776) (21,308,312) (19,618,067) 16. Non earning assets a. Abandoned properties 2,278 2,428 2,278 2,428 b. Foreclosed assets 793,583 807,183 821,374 864,637 c. Suspense accounts 52,500 275 52,500 275 d. Interbranch assets - 473,056 - 473,056 17. Other assets 16,886,230 15,341,904 21,508,604 18,487,338 18. Insurance & reinsurance contract assets - - 46,156 80,895 TOTAL ASSETS 1,429,792,673 1,306,333,746 1,481,829,614 1,362,054,731 LIABILITIES AND EQUITY LIABILITIES 1. Current accounts 429,882,877 433,720,089 433,751,294 439,498,864 2. Saving accounts 299,228,945 285,715,876 299,989,639 286,460,152 3. Time deposits 381,397,852 302,459,235 390,846,117 314,875,408 4. Electronic money 274,595 254,988 274,595 254,988 5. Liabilities to Bank Indonesia 269,938 290,873 269,938 290,873 6. Liabilities to other banks 11,934,475 11,382,812 11,911,338 11,399,595 7. Spot and derivative/forward liabilities 11,744,314 5,398,899 11,744,314 5,398,899 8. Liabilities on securities sold under repurchase agreements (repo) 17,307,645 7,251,381 17,794,790 7,251,381 9. Acceptances liabilities 2,801,250 2,301,384 2,801,250 2,324,505 10. Securities issued 28,018,551 32,686,013 27,887,896 32,593,178 11. Fund borrowings 51,747,876 35,529,430 54,401,158 38,912,702 12. Margin deposits received 386,694 577,803 390,059 583,981 13. Interbranch liabilities 1,397,271 - 1,397,271 - 14. Other liabilities 26,806,875 20,805,897 31,552,682 23,480,059 15. Insurance contract liabilities - - 22,547,873 22,381,021 16. Reinsurance contract liabilities - - 12,921 9,757 17. Minority Interest - - 6,640,550 6,866,224 TOTAL LIABILITIES 1,263,199,158 1,138,374,680 1,314,213,685 1,192,581,587 Statements of Financial Position
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3Q26 Publication Report > PT Bank Negara Indonesia (Persero) Tbk STATEMENTS OF FINANCIAL POSITION AS OF SEPTEMBER 30, 2026 AND DECEMBER 31, 2025 (IN MILLIONS OF RUPIAH) NO ACCOUNTS INDIVIDUAL CONSOLIDATED SEP 30, 2026 (Unaudited) DEC 31, 2025 (Audited) SEP 30, 2026 (Unaudited) DEC 31, 2025 (Audited) EQUITY 18. Paid-in capital 9,005,032 9,054,807 9,005,032 9,054,807 a. Authorized capital 15,000,000 15,000,000 15,000,000 15,000,000 b. Unpaid-in capital -/- (5,945,193) (5,945,193) (5,945,193) (5,945,193) c. Treasury stock -/- (49,775) - (49,775) - 19. Additional paid-in capital a. Agio 19,633,584 19,633,584 17,082,535 17,010,254 b. Disagio -/- - - - - c. Capital fund - - - - d. Others*) 349,167 349,167 349,167 349,167 20. Other comprehensive income a. Gains 14,611,684 19,033,259 14,470,964 19,204,088 b. Losses -/- - - - - 21. Other equity - - - - 22. Reserves a. General 2,778,412 2,778,412 2,778,412 2,778,412 b. Specific - - - - 23. Income/loss a. Previous years 116,878,977 110,711,202 120,840,187 114,987,052 b. Current year 16,363,116 20,349,974 16,116,089 20,040,703 c. Paid dividend -/- (13,026,457) (13,951,339) (13,026,457) (13,951,339) TOTAL EQUITY ATTRIBUTABLE TO OWNERS 166,593,515 167,959,066 167,615,929 169,473,144 TOTAL EQUITY 166,593,515 167,959,066 167,615,929 169,473,144 TOTAL LIABILITIES AND EQUITY 1,429,792,673 1,306,333,746 1,481,829,614 1,362,054,731 *) This represents share-based payment reserve. Statements of Financial Position
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3Q26 Publication Report > PT Bank Negara Indonesia (Persero) Tbk STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE PERIODS FROM JANUARY 1 TO SEPTEMBER 30, 2026 AND 2025 (IN MILLIONS OF RUPIAH) NO ACCOUNTS INDIVIDUAL CONSOLIDATED JAN 1, 2026 TO SEP 30, 2026 (Unaudited) JAN 1, 2025 TO SEP 30, 2025 (Unaudited) JAN 1, 2026 TO SEP 30, 2026 (Unaudited) JAN 1, 2025 TO SEP 30, 2025 (Unaudited) OPERATING INCOME AND EXPENSES A. Interest Income and Expenses 1. Interest income 58,506,533 49,635,052 60,007,091 51,166,706 2. Interest expenses 26,041,047 21,198,185 26,768,700 21,913,624 Net interest income (expenses) 32,465,486 28,436,867 33,238,391 29,253,082 3. Premium income and investments return - - - - 4. Claim expenses - - 1,200 1,056 Net premium income (claim expenses) - - (1,200) (1,056) Net interest income (expenses) and net premium income (claim expenses) 32,465,486 28,436,867 33,237,191 29,252,026 5. Insurance income - - 1,661,353 1,468,906 6. Insurance expenses - - 1,238,276 1,306,634 Net insurance income (expenses) - - 423,077 162,272 7. Investment return - - 844,270 1,455,310 8. Net insurance finance income (expenses) - - (681,374) (1,035,305) Net insurance and investment result - - 585,973 582,277 Net Total Operating Income (Expenses) 32,465,486 28,436,867 33,823,164 29,834,303 B. Operating Income and Expenses Other than Interest 1. Gain (loss) from increase (decrease) in fair value of financial assets 2,406,762 229,796 2,420,054 239,494 2. Gain (loss) from decrease (increase) in fair value of financial liabilities - - - - 3. Gain (loss) from sale of financial assets 1,982,683 2,105,866 1,985,842 2,133,557 4. Gain (loss) from spot and derivative/forward (realised) (1,039,956) 745,387 (1,039,402) 746,099 5. Gain (loss) from investment under equity method 1,399,144 1,288,562 1,244,809 1,210,271 6. Gain (loss) from foreign exchange translation - - - - 7. Dividend income - - - - 8. Commission/provision/fee and administrative 8,429,404 7,786,038 8,440,886 7,748,645 9. Other income 4,424,372 4,183,851 4,861,161 4,592,770 10. Impairment losses (reversal) on financial assets 6,465,666 5,259,802 6,944,126 5,554,666 11. Losses related to operational risk 77,618 70,789 77,880 72,309 12. Personnel expenses 11,388,545 9,795,868 12,019,778 10,429,210 13. Promotion expenses 682,494 744,611 695,226 770,476 14. Other expenses 11,104,624 10,600,559 11,722,146 11,125,636 Net Operating Income (Expenses) (12,116,538) (10,132,129) (13,545,806) (11,281,461) OPERATING INCOME (EXPENSES) 20,348,948 18,304,738 20,277,358 18,552,842 NON OPERATING INCOME AND EXPENSES 1. Gain (loss) from sale of fixed assets and equipment 1,184 613 2,405 2,872 2. Other non operating income 77,945 54,011 76,681 54,637 3. Other non operating expenses (126,194) (53,283) (210,388) (171,711) NON OPERATING PROFIT (LOSS) (47,065) 1,341 (131,302) (114,202) CURRENT YEAR PROFIT (LOSS) BEFORE TAX 20,301,883 18,306,079 20,146,056 18,438,640 Income taxes a. Estimated current year tax -/- (3,210,302) (2,321,627) (3,295,044) (2,339,468) b. Deferred tax income (expenses) (728,465) (814,766) (702,685) (868,499) CURRENT YEAR NET PROFIT (LOSS) 16,363,116 15,169,686 16,148,327 15,230,673 CURRENT YEAR MINORITY INTEREST PROFIT (LOSS) - - 32,238 115,540 Statements of Profit or Loss and Other Comprehensive Income
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3Q26 Publication Report > PT Bank Negara Indonesia (Persero) Tbk STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE PERIODS FROM JANUARY 1 TO SEPTEMBER 30, 2026 AND 2025 (IN MILLIONS OF RUPIAH) NO ACCOUNTS INDIVIDUAL CONSOLIDATED JAN 1, 2026 TO SEP 30, 2026 (Unaudited) JAN 1, 2025 TO SEP 30, 2025 (Unaudited) JAN 1, 2026 TO SEP 30, 2026 (Unaudited) JAN 1, 2025 TO SEP 30, 2025 (Unaudited) OTHER COMPREHENSIVE INCOME 1. Items that will not be reclassified to Profit or Loss a. Gain from revaluation of properties - - - - b. Gain (loss) from remeasurement on defined benefit plans 469,071 (123,706) 469,309 (123,740) c. Others - - - - 2. Items that will be reclassified to Profit or Loss a. Gain (loss) from translation of foreign currency financial statements (59,446) (17,339) (59,972) (16,461) b. Gain (loss) from changes in fair value of financial assets debt instrument measured at fair value through other comprehensive income (4,362,129) 3,434,089 (4,885,781) 3,479,534 c. Others - - - - OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX (3,952,504) 3,293,044 (4,476,444) 3,339,333 TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 12,410,612 18,462,730 11,671,883 18,570,006 Current Year Net Profit (Loss) Attributable to : - OWNER OF COMPANY 16,363,116 15,169,686 16,116,089 15,115,133 - NON CONTROLLING INTEREST 32,238 115,540 TOTAL CURRENT YEAR NET PROFIT (LOSS) 16,363,116 15,169,686 16,148,327 15,230,673 Total Comprehensive Profit (Loss) For The Year Attributable to : - OWNER OF COMPANY 12,410,612 18,462,730 11,852,039 18,445,899 - NON CONTROLLING INTEREST (180,156) 124,107 TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 12,410,612 18,462,730 11,671,883 18,570,006 PROFIT (LOSS) TRANSFER TO HEAD OFFICE - - - - DIVIDEND - - - - BASIC EARNINGS PER SHARE (in Rupiah units) 432 405 Statements of Profit or Loss and Other Comprehensive Income
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3Q26 Publication Report > PT Bank Negara Indonesia (Persero) Tbk Statements of Commitments and Contingencies & Financial Ratios FINANCIAL RATIOS AS OF SEPTEMBER 30, 2026 AND 2025 NO RATIOS INDIVIDUAL SEP 30, 2026 (Unaudited) SEP 30, 2025 (Unaudited) Performance Ratio 1. Capital Adequacy Ratio (CAR) 19.20% 21.09% 2. Non performing earning assets and non earning assets to total earning assets and non earning assets 1.34% 1.39% 3. Non performing earning assets to total earning assets 1.29% 1.32% 4. Allowance of impairment on financial assets to total earning assets 2.90% 3.33% 5. Gross NPL 1.94% 1.96% 6. Net NPL 0.71% 0.78% 7. Loan at Risk (LaR) 7.78% 10.43% 8. Return on Asset (ROA) 1.95% 2.17% 9. Return on Equity (ROE) 14.39% 14.11% 10. Net Interest Margin (NIM) 3.47% 3.76% 11. Operating Expenses to Operating Income 73.26% 72.25% 12. Cost to Income Ratio (CIR) 45.82% 45.83% 13. Loan to Deposit Ratio (LDR) 87.92% 86.88% Compliance 1. a. Percentage Violation of Legal Lending Limit I. Related parties 0.00% 0.00% II. Non-related parties 0.00% 0.00% b. Percentage Excess of Legal Lending Limit I. Related parties 0.00% 0.00% II. Non-related parties 0.00% 0.00% 2. Minimum Statutory Reserve Requirement a. Minimum Statutory Reserve Requirement (Rupiah) 5.85% 11.92% - Daily 0.00% 0.00% - Average 5.85% 11.92% b. Minimum Statutory Reserve Requirement (Foreign currencies) 4.01% 4.02% - Daily 2.00% 2.00% - Average 2.01% 2.02% 3. Net Open Position (Aggregate) 0.60% 1.25% STATEMENTS OF COMMITMENTS AND CONTINGENCIES AS OF SEPTEMBER 30, 2026 AND DECEMBER 31, 2025 (IN MILLIONS OF RUPIAH) NO ACCOUNTS INDIVIDUAL CONSOLIDATED SEP 30, 2026 (Unaudited) DEC 31, 2025 (Audited) SEP 30, 2026 (Unaudited) DEC 31, 2025 (Audited) I. COMMITMENT RECEIVABLES 1. Undisbursed borrowings/financing facilities - - - - 2. Outstanding of foreign currency from spot and derivative/forward (purchased) 481,822,647 248,307,611 481,822,647 248,307,611 3. Others 236,120 156,123 236,120 156,123 II. COMMITMENT PAYABLES 1. Unused loan/financing facilities to debtors a. Committed 2,729,676 2,339,156 6,350,852 5,578,648 b. Uncommitted 61,208,618 87,746,766 61,551,644 88,037,752 2. Outstanding irrevocable L/C 20,430,596 11,073,116 20,437,282 11,086,951 3. Outstanding of foreign currency from spot and derivative/forward (sold) 481,398,774 247,565,353 481,398,774 247,565,353 4. Others 236,120 156,123 236,120 156,123 III. CONTINGENT RECEIVABLES 1. Guarantees received 51,942,920 46,210,399 51,942,920 46,210,399 2. Others 693,749 633,540 693,749 633,540 IV. CONTINGENT PAYABLES 1. Guarantees issued 123,292,099 105,979,580 123,738,567 106,625,964 2. Others 4,789,090 4,447,674 4,798,601 4,449,289
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Calculation of Capital Adequacy Ratio 3Q26 Publication Report > PT Bank Negara Indonesia (Persero) Tbk CALCULATION OF CAPITAL ADEQUACY RATIO AS OF SEPTEMBER 30, 2026 AND 2025 (IN MILLIONS OF RUPIAH) NO CAPITAL COMPONENTS SEP 30, 2026 SEP 30, 2025 Individual (Unaudited) Consolidated (Unaudited) Individual (Unaudited) Consolidated (Unaudited) I. Tier 1 Capital 156,601,011 161,403,712 147,231,512 152,509,195 1. Common Equity Tier 1 (CET 1) 143,519,460 148,322,161 137,232,512 142,510,195 1.1 Paid in Capital (excluding treasury stock) 9,005,032 9,005,032 9,054,807 9,054,807 1.2 Reserve additional capital 156,998,955 157,104,375 153,149,579 153,845,074 1.2.1 Additional Factors 159,891,210 159,852,571 154,081,619 154,803,814 1.2.1.1 Other comprehensive income 16,646,722 16,692,474 18,654,147 18,946,364 1.2.1.1.1 Excess adjustment due to financial statement translation - - - - 1.2.1.1.2 Potential gain due to increases of fair value of financial asset through other comprehensive income - - 2,007,424 2,253,890 1.2.1.1.3 Fixed assets revaluation 16,646,722 16,692,474 16,646,723 16,692,474 1.2.1.2 Other disclosed reserves 143,244,488 143,160,097 135,427,472 135,857,450 1.2.1.2.1 Agio Common Equity Tier 1 (CET1) instruments 19,633,585 17,082,537 19,633,584 17,010,254 1.2.1.2.2 General reserves 2,778,412 2,778,412 2,778,412 2,778,412 1.2.1.2.3 Previous years profit 104,469,376 107,220,784 97,845,790 101,026,462 1.2.1.2.4 Current year profit 16,363,116 16,078,364 15,169,686 15,042,322 1.2.1.2.5 Paid in capital fund - - - - 1.2.1.2.6 Others - - - - 1.2.2 Deduction Factors (2,892,255) (2,748,196) (932,040) (958,740) 1.2.2.1 Other comprehensive income (2,097,815) (1,925,965) (114,571) (113,458) 1.2.2.1.1 Negative adjustment due to financial statement translation (184,885) (184,317) (114,571) (113,458) 1.2.2.1.2 Potential losses due to impairment of fair value of financial asset through other comprehensive income (1,912,930) (1,741,648) - - 1.2.2.2 Other disclosed reserves (794,440) (822,231) (817,469) (845,282) 1.2.2.2.1 Disagio on Common Equity Tier 1 (CET1) instruments - - - - 1.2.2.2.2 Previous years losses - - - - 1.2.2.2.3 Current year loss - - - - 1.2.2.2.4 Negative differences between regulatory provision and allowance for impairment losses of earning assets - - - - 1.2.2.2.5 Negative differences on adjustment of fair value on financial instrument in the trading book - - - - 1.2.2.2.6 Regulatory provision on non earning assets (794,440) (822,231) (817,469) (845,282) 1.2.2.2.7 Others - - - - 1.3 Minority Interest - - - - 1.4 Deduction Factors of CET 1 (22,484,527) (17,787,246) (24,971,874) (20,389,686) 1.4.1 Deferred tax (2,056,318) (2,050,938) (5,291,003) (5,399,607) 1.4.2 Intangible assets - (741,373) - (742,482) 1.4.3 Equity investment (20,428,209) (14,994,935) (19,680,871) (14,247,597) 1.4.4 Shortfall on the capital of insurance subsidiary - - - - 1.4.5 Exposure of securitization - - - - 1.4.6 Other deduction factors of CET 1 - - - - 1.4.6.1 Investment on AT 1 and/or Tier 2 Instrument in other bank - - - - 1.4.6.2 Cross-ownership in another entity acquired by the transition due to the law, a grant or grants will - - - - 1.4.6.3 Exposures in Subsidiary Companies that carry out business activities based on sharia principles (if any) - - - -
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Calculation of Capital Adequacy Ratio 3Q26 Publication Report > PT Bank Negara Indonesia (Persero) Tbk CALCULATION OF CAPITAL ADEQUACY RATIO AS OF SEPTEMBER 30, 2026 AND 2025 (IN MILLIONS OF RUPIAH) NO CAPITAL COMPONENTS SEP 30, 2026 SEP 30, 2025 Individual (Unaudited) Consolidated (Unaudited) Individual (Unaudited) Consolidated (Unaudited) 2. Additional Tier 1 (AT 1) 13,081,551 13,081,551 9,999,000 9,999,000 2.1 Instrument which comply with AT 1 regulations 13,081,551 13,081,551 9,999,000 9,999,000 2.2 Agio on Additional Tier 1 (AT1) instruments - - - - 2.3 Disagio on Additional Tier 1 (AT1) instruments - - - - 2.4 Deduction factors of AT 1 - - - - 2.4.1 Investment on AT 1 and/or Tier 2 Instrument in other bank - - - - 2.4.2 Cross-ownership in another entity acquired by the transition due to the law, a grant or grants will - - - - II. Tier 2 Capital 10,094,127 10,325,171 9,491,548 9,709,926 1. Capital Instrument in the form of Stock or others which comply with Tier 2 regulations - - 833,250 833,250 2. Agio on Tier 2 capital instruments - - - - 3. Disagio on Tier 2 capital instruments 10,094,127 10,325,171 8,658,298 8,876,676 4. General provision of earning assets (maximum 1,25% of RWA for Credit Risk) - - - - 5. Deduction Factor of Tier 2 Capital - - - - 5.1 Sinking Fund - - - - 5.2 Investment on Tier 2 Instrument in other bank - - - - 5.3 Cross-ownership in another entity acquired by the transition due to the law, a grant or grants will - - - - TOTAL CAPITAL 166,695,137 171,728,883 156,723,060 162,219,121 SEP 30, 2026 SEP 30, 2025 SEP 30, 2026 SEP 30, 2025 Individual (Unaudited) Consolidated (Unaudited) Individual (Unaudited) Consolidated (Unaudited) Individual (Unaudited) Consolidated (Unaudited) Individual (Unaudited) Consolidated (Unaudited) RISK WEIGHTED ASSET CAPITAL ADEQUACY RATIO (CAR) RISK WEIGHTED ASSET (RWA) FOR CREDIT RISK 807,530,126 826,013,743 692,663,819 710,134,063 CET 1 Ratio (%) 16.53% 16.71% 18.46% 18.70% RISK WEIGHTED ASSET (RWA) FOR MARKET RISK 15,231,544 15,339,637 10,225,161 10,756,189 Tier 1 Ratio (%) 18.04% 18.18% 19.81% 20.01% RISK WEIGHTED ASSET (RWA) FOR OPERATIONAL RISK 45,529,753 46,261,581 40,383,955 41,084,588 Tier 2 Ratio (%) 1.16% 1.16% 1.28% 1.27% RISK WEIGHTED ASSET (RWA) TOTAL 868,291,423 887,614,961 743,272,935 761,974,840 CAR (%) 19.20% 19.34% 21.09% 21.28% CAR BASED ON RISK PROFILE (%) 9.95% 9.95% 9.95% 9.95% CET 1 Allocation for Buffer (%) 9.25% 9.39% 11.15% 11.33% CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF CAPITAL BUFFER (%) From CET1 – Common Equity Tier 1 capital ratio (minimum 4.5%) 7.28% 7.32% 7.32% 7.37% Capital Conservation Buffer (%) 2.50% 2.50% 2.50% 2.50% From AT1 – Additional Tier 1 capital ratio allocated (%) 1.51% 1.47% 1.35% 1.31% Countercyclical Buffer (%) 0.00% 0.00% 0.00% 0.00% From Tier 2 – Additional CET 1 capital ratio allocated to meet the minimum 6% Tier 1 capital requirement (%) 1.16% 1.16% 1.28% 1.27% Capital Surcharge for D-SIB (%) 2.00% 2.00% 1.50% 1.50% Allocated supplementary capital ratio - - - - Additional CET1 capital ratio allocated to meet the CAR requirement based on the risk profile - - - -
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3Q26 Publication Report > PT Bank Negara Indonesia (Persero) Tbk EARNING ASSET QUALITY AND OTHER INFORMATION AS OF SEPTEMBER 30, 2026 AND 2025 (IN MILLIONS OF RUPIAH) NO ACCOUNTS INDIVIDUAL SEP 30, 2026 (Unaudited) SEP 30, 2025 (Unaudited) Current Special Mention Substandard Doubtful Loss Total Current Special Mention Substandard Doubtful Loss Total I. RELATED PARTIES 1. Placement with other banks - - - - - - - - - - - - a. Rupiah - - - - - - - - - - - - b. Foreign currency - - - - - - - - - - - - 2. Spot and derivative/forward receivables - - - - - - - - - - - - a. Rupiah - - - - - - - - - - - - b. Foreign currency - - - - - - - - - - - - 3. Securities - - - - - - 97,425 - - - - 97,425 a. Rupiah - - - - - - 97,425 - - - - 97,425 b. Foreign currency - - - - - - - - - - - - 4. Securities sold under repurchase agreements (repo) - - - - - - - - - - - - a. Rupiah - - - - - - - - - - - - b. Foreign currency - - - - - - - - - - - - 5. Receivables from securities bought under resell agreements (reverse repo) - - - - - - - - - - - - a. Rupiah - - - - - - - - - - - - b. Foreign currency - - - - - - - - - - - - 6. Acceptance receivables - - - - - - - - - - - - 7. Loans and financing provided 2,279,055 1,430 - - - 2,280,485 1,818,162 - - - - 1,818,162 a. Micro, small, and medium enterprises (UMKM) - - - - - - - - - - - - i. Rupiah - - - - - - - - - - - - ii. Foreign currency - - - - - - - - - - - - b. Non micro, small and medium enterprises (Non UMKM) 2,279,055 1,430 - - - 2,280,485 1,818,162 - - - - 1,818,162 i. Rupiah 2,279,055 1,430 - - - 2,280,485 1,818,162 - - - - 1,818,162 ii. Foreign currency - - - - - - - - - - - - c. Restructured loans - - - - - - - - - - - - i. Rupiah - - - - - - - - - - - - ii. Foreign currency - - - - - - - - - - - - 8. Equity investment - - - - - - - - - - - - 9. Other bills *) - - - - - - - - - - - - 10. Commitment and contingencies 14,823 - - - - 14,823 23,522 - - - - 23,522 a. Rupiah 14,823 - - - - 14,823 23,522 - - - - 23,522 b. Foreign currency - - - - - - - - - - - - *) Among other things, it consists of unaccepted sight L/C or usance L/C bills, travel checks purchased / taken over, advances to customers, collection bills, bailouts in the framework of government programs. Earning Asset Quality and Other Information
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3Q26 Publication Report > PT Bank Negara Indonesia (Persero) Tbk EARNING ASSET QUALITY AND OTHER INFORMATION AS OF SEPTEMBER 30, 2026 AND 2025 (IN MILLIONS OF RUPIAH) NO ACCOUNTS INDIVIDUAL SEP 30, 2026 (Unaudited) SEP 30, 2025 (Unaudited) Current Special Mention Substandard Doubtful Loss Total Current Special Mention Substandard Doubtful Loss Total II. OTHER THAN RELATED PARTIES 1. Placement with other banks 53,048,268 - - - - 53,048,268 38,455,712 - - - - 38,455,712 a. Rupiah 766,684 - - - - 766,684 235,156 - - - - 235,156 b. Foreign currency 52,281,584 - - - - 52,281,584 38,220,556 - - - - 38,220,556 2. Spot and derivative/forward receivables 11,619,066 - - - - 11,619,066 13,692,783 - - - - 13,692,783 a. Rupiah 10,692,799 - - - - 10,692,799 7,863,496 - - - - 7,863,496 b. Foreign currency 926,267 - - - - 926,267 5,829,287 - - - - 5,829,287 3. Securities 174,751,253 - - - - 174,751,253 165,631,111 - 245,614 - - 165,876,725 a. Rupiah 144,005,314 - - - - 144,005,314 132,499,508 - - - - 132,499,508 b. Foreign currency 30,745,939 - - - - 30,745,939 33,131,603 - 245,614 - - 33,377,217 4. Securities sold under repurchase agreements (repo) 5,251,959 - - - - 5,251,959 8,413,324 - - - - 8,413,324 a. Rupiah 3,079,470 - - - - 3,079,470 7,270,612 - - - - 7,270,612 b. Foreign currency 2,172,489 - - - - 2,172,489 1,142,712 - - - - 1,142,712 5. Receivables from securities bought under resell agreements (reverse repo) 31,389,000 - - - - 31,389,000 3,727,350 - - - - 3,727,350 a. Rupiah 31,389,000 - - - - 31,389,000 3,095,527 - - - - 3,095,527 b. Foreign currency - - - - - - 631,823 - - - - 631,823 6. Acceptance receivables 17,935,546 - - - - 17,935,546 16,103,012 - 17,351 - - 16,120,363 7. Loans and financing provided 929,204,165 25,918,923 2,040,621 1,892,553 15,045,077 974,101,339 750,473,523 28,649,060 3,244,976 2,110,756 10,229,908 794,708,223 a. Micro, small, and medium enterprises (UMKM) 114,638,379 2,843,110 450,169 847,000 4,384,199 123,162,857 107,001,184 3,925,102 408,603 933,891 3,459,113 115,727,893 i. Rupiah 113,632,418 2,843,110 450,169 847,000 4,384,199 122,156,896 106,248,361 3,925,102 408,603 933,891 3,407,127 114,923,084 ii. Foreign currency 1,005,961 - - - - 1,005,961 752,823 - - - 51,986 804,809 b. Non micro, small and medium enterprises (Non UMKM) 814,565,786 23,075,813 1,590,452 1,045,553 10,660,878 850,938,482 643,472,339 24,723,958 2,836,373 1,176,865 6,770,795 678,980,330 i. Rupiah 655,487,777 20,634,896 1,590,452 1,045,553 8,559,406 687,318,084 492,782,963 20,757,617 2,705,155 1,042,295 6,536,533 523,824,563 ii. Foreign currency 159,078,009 2,440,917 - - 2,101,472 163,620,398 150,689,376 3,966,341 131,218 134,570 234,262 155,155,767 c. Restructured loans 31,019,041 19,759,293 1,244,969 556,329 7,216,528 59,796,160 38,653,239 22,688,495 2,541,638 563,202 4,290,349 68,736,923 i. Rupiah 21,330,392 17,318,376 1,244,969 556,329 5,131,790 45,581,856 23,733,516 18,722,606 2,410,420 428,632 4,056,087 49,351,261 ii. Foreign currency 9,688,649 2,440,917 - - 2,084,738 14,214,304 14,919,723 3,965,889 131,218 134,570 234,262 19,385,662 8. Equity investment 20,554,823 - - - - 20,554,823 19,804,243 - - - - 19,804,243 9. Other bills *) 17,489,541 643 - - - 17,490,184 15,313,699 - - - - 15,313,699 10. Commitment and contingencies 206,153,476 861,361 46,698 70,577 514,055 207,646,167 159,879,376 2,018,806 40,152 54,259 490,003 162,482,596 a. Rupiah 129,217,150 768,731 46,698 70,577 501,535 130,604,691 103,762,882 670,266 40,152 54,259 490,003 105,017,562 b. Foreign currency 76,936,326 92,630 - - 12,520 77,041,476 56,116,494 1,348,540 - - - 57,465,034 III. OTHER INFORMATION 1. Assets pledged as collateral - - a. To Bank Indonesia - - b. To other parties - - 2. Foreclosed assets 793,583 812,283 *) Among other things, it consists of unaccepted sight L/C or usance L/C bills, travel checks purchased / taken over, advances to customers, collection bills, bailouts in the framework of government programs. Earning Asset Quality and Other Information
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3Q26 Publication Report > PT Bank Negara Indonesia (Persero) Tbk Allowance for Impairment Losses on Earning Assets ALLOWANCE FOR IMPAIRMENT LOSSES ON EARNING ASSETS AS OF SEPTEMBER 30, 2026 AND 2025 (IN MILLIONS OF RUPIAH) NO ACCOUNTS INDIVIDUAL SEP 30, 2026 (Unaudited) SEP 30, 2025 (Unaudited) Allowance for impairment Required allowance for losses on earning assets Allowance for impairment Required allowance for losses on earning assets Stage 1 Stage 2 Stage 3 General Special Stage 1 Stage 2 Stage 3 General Special 1. Placement with other banks 28 - - 530,483 - 21 - - 384,557 - 2. Spot and derivative/forward receivables - - - 116,191 - - - - 136,928 - 3. Securities 49,152 121 - 385,520 - 22,307 - - 338,537 36,842 4. Securities sold under repurchase agreements (repo) - - - 52,520 - - - - 84,133 - 5. Receivables from securities bought under resell agreements (reverse repo) - - - 313,890 - - - - 37,274 - 6. Acceptance receivables 81,790 36,062 - 179,355 - 42,682 34,567 - 161,030 2,603 7. Loans and financing provided 3,985,166 13,829,525 18,868,709 9,314,832 17,593,465 4,345,915 14,923,376 15,442,259 7,522,917 13,204,486 8. Equity investment - - - 205,548 - - - - 198,042 - 9. Other bills *) 1,049,218 932 - 174,895 32 1,053,351 254 - 153,137 - 10. Commitment and contingencies 665,222 870,116 24,539 1,434,868 599,417 564,668 546,972 24,212 976,474 624,096 *) Among other things, it consists of unaccepted sight L/C or usance L/C bills, travel checks purchased / taken over, advances to customers, collection bills, bailouts in the framework of government programs.
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3Q26 Publication Report > PT Bank Negara Indonesia (Persero) Tbk STATEMENTS OF SPOT AND DERIVATIVE/FORWARD TRANSACTIONS AS OF SEPTEMBER 30, 2026 (UNAUDITED) (IN MILLIONS OF RUPIAH) NO TRANSACTIONS INDIVIDUAL Notional Amount Type Derivative Receivables and Payables Trading Hedging Receivable Payable A. Exchange Rate Related 1. Spot 12,762,823 12,762,823 - 27,033 24,531 2. Forward 54,189,497 54,189,497 - 273,993 411,862 3. Option a. Sell 77,756,250 77,756,250 - - 8,953,066 b. Buy 77,779,051 77,779,051 - 8,890,994 - 4. Future - - - - - 5. Swap 201,640,997 201,640,997 - 1,496,124 1,631,971 6. Others - - - - - B. Interest Rate Related 1. Forward - - - - - 2. Option a. Sell - - - - - b. Buy - - - - - 3. Future - - - - - 4. Swap 6,655,042 6,655,042 - 144,856 128,136 5. Others - - - - - C. Others 20,249,626 20,249,626 - 786,066 594,748 TOTAL 451,033,286 451,033,286 - 11,619,066 11,744,314 Statements of Spot and Derivative Transactions
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3Q26 Publication Report > PT Bank Negara Indonesia (Persero) Tbk STATEMENTS OF CASH FLOWS FOR THE PERIOD ENDED SEPTEMBER 30, 2026 AND 2025 (IN MILLIONS OF RUPIAH) CASH FLOWS CONSOLIDATED SEP 30, 2026 (Unaudited) SEP 30, 2025 (Unaudited) CASH FLOWS FROM OPERATING ACTIVITIES Receipts from interest income 60,485,638 51,354,800 Payments of interest expense (25,905,372) (22,043,446) Claim expenses (1,200) (1,056) Cash received from insurance activity 3,758,351 2,924,216 Cash paid from insurance activity (3,815,057) (2,341,939) Investment return 844,270 - Other operating income 20,160,134 18,338,483 Other operating expenses (24,612,975) (28,271,950) Non-operating income (expenses) - net (131,302) (110,098) Payment of income tax (3,308,279) (2,343,819) Cash flows before changes in operating assets and liabilities 27,474,208 17,505,191 Changes in operating assets and liabilities: (Increase)/decrease in operating assets : Placements with Bank Indonesia and other banks 204,358 454,041 Marketable securities and Government Bonds at fair value through profit or loss 3,723,150 (9,609,341) Securities purchased under agreements to resell (24,552,429) 2,443,135 Bills and other receivables (87,164) 2,948,083 Loans (99,178,100) (48,101,428) Acceptances receivables 1,647,200 (111,564) Prepaid expenses (655,419) (347,355) Foreign exchange term deposit from export activities 400,200 909,368 Other assets (4,969,780) (5,571,821) (Decrease)/increase in operating liabilities: Obligations due immediately 1,071,181 (22,217) Deposits from customers 83,752,626 128,815,083 Deposits from other banks 471,111 (3,807,430) Liabilities related to foreign exchange term deposit from export activities (400,200) (909,368) Accrued expenses (175,187) (502,171) Employee benefits 39,420 489,797 Acceptances payables 476,745 (668,996) Taxes payable 1,664,790 23,615 Other liabilities 6,813,912 7,521,992 Net cash (used in)/provided from operating activities (2,279,378) 91,458,614 CASH FLOWS FROM INVESTING ACTIVITIES Proceed from marketable securities measured at fair value through other comprehensive income and amortised cost 236,246,404 69,299,438 Placement from marketable securities measured at fair value through other comprehensive income and amortised cost (242,326,491) (68,873,328) Proceed of Government Bonds at fair value through other comprehensive income and amortised cost 291,785,863 125,069,527 Placement of Government Bonds at fair value through other comprehensive income and amortised cost (273,473,604) (128,236,120) Acquisition of fixed assets (1,251,527) (1,063,090) Proceeds from sale of fixed assets 5,746 9,581 Net cash provided from/(used in) investing activities 10,986,391 (3,793,992) CASH FLOWS FROM FINANCING ACTIVITIES Receipt from borrowings 18,826,680 25,736,795 Payment for borrowings (3,318,527) (26,034,926) Receipt from securities sold under agreements to repurchase 13,240,016 3,621,622 Payment for securities sold under agreements to repurchase (2,821,211) (9,637,417) Receipt from securities issued 1,035 5,013,761 Payment for securities issued - (4,000,000) Payment for subordinated securities (19,093,449) - Treasury stocks (49,775) - Receipt from subordinated securities 12,512,500 - Payment of lease liability (390,400) (477,046) Payment of dividends (13,026,457) (13,951,339) Net cash provided from (used in) financing activities 5,880,412 (19,728,550) NET INCREASE IN CASH AND CASH EQUIVALENTS 14,587,425 67,936,072 CASH AND CASH EQUIVALENTS AT BEGINNING OF THE PERIOD 152,852,268 104,074,764 Effect of foreign currency exchange rate changes 922,454 568,290 CASH AND CASH EQUIVALENTS AT THE END OF THE PERIOD 168,362,147 172,579,126 COMPONENTS OF CASH AND CASH EQUIVALENTS: Cash 10,626,723 10,326,925 Current accounts with Bank Indonesia 59,411,884 92,682,805 Current accounts with other banks 49,768,477 36,551,152 Placement with Bank Indonesia and other banks - maturing within three months of acquisition date 48,555,063 33,018,244 Total cash and cash equivalents 168,362,147 172,579,126 Statements of Cash Flows
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3Q26 Publication Report > PT Bank Negara Indonesia (Persero) Tbk HUSSEIN PAOLO KARTADJOEMENA FINANCE & STRATEGY DIRECTOR PUTRAMA WAHJU SETYAWAN PRESIDENT DIRECTOR (CEO) Jakarta, October 27, 2026 S.E. & O PT BANK NEGARA INDONESIA (PERSERO) Tbk Director Shareholders & Management of The Bank MANAGEMENT OF THE BANK PT BANK NEGARA INDONESIA (PERSERO) Tbk BOARD OF COMMISSIONERS BOARD OF DIRECTORS President Commissioner/Independent Commissioner : Omar Sjawaldy Anwar President Director (CEO) : Putrama Wahju Setyawan Vice President Commissioner : Tedi Bharata Vice President Director : Alexandra Askandar Independent Commissioner : Vera Febyanthy Finance & Strategy Director : Hussein Paolo Kartadjoemena Independent Commissioner : Didik Junaedi Rachbini Risk Management Director : David Pirzada Commissioner : Febrio Nathan Kacaribu Corporate Banking Director : Agung Prabowo Commissioner : Donny Hutabarat Commercial Banking Director : Muhammad Iqbal Operations Director : Ronny Venir Network & Retail Funding Director : Rian Eriana Kaslan Consumer Banking Director : Corina Leyla Karnalies Information Technology Director : Toto Prasetio Human Capital & Compliance Director : Munadi Herlambang Treasury & International Banking Director : Abu Santosa Sudrajat Institutional Banking Director : Eko Setyo Nugroho SHAREHOLDERS PT BANK NEGARA INDONESIA (PERSERO) Tbk SHAREHOLDER Ultimate Shareholder Regulatory Agency of SOE : 0.60% Non Ultimate Shareholder through Capital Market (≥ 5%) : Nil Non Ultimate Shareholder through non Capital Market (≥ 5%) : PT Danantara Asset Management (Persero) : 59.40%
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3Q26 Publication Report > PT Bank Negara Indonesia (Persero) Tbk 1. The consolidated financial information presented in this publication report is derived from the Consolidated Financial Statement of PT Bank Negara Indonesia (Persero), Tbk. (the “Bank”) and Subsidiaries as of and for the period ended September 30, 2026, and 2025, prepared by the Bank’s management in accordance with Indonesian Financial Accounting Standard. The Consolidated Financial Statements as of and for the years ended December 31, 2025 was audited by KAP Rintis, Jumadi, Rianto & Rekan (a member of the PricewaterhouseCoopers network of firms) with Jimmy Pangestu, S.E., CPA, as the partner in charge, independent auditor, in accordance with Standards on Auditing established by the Indonesian Institute of Certified Public Accountants, with an unmodified opinion, as stated in their report dated February 2, 2026 which is not included in this publication. Since the above consolidated financial information is derived from the Audited Consolidated Financial Statements, it does not constitute a complete presentation of the Audited Consolidated Financial Statements. 2. The above published Financial Statements are presented to comply with: a. Financial Services Authority Regulation (POJK) Number 18, 2025 regarding “Transparency and Publication of Bank Reports”. b. Circular Letter of Financial Services Authority (SEOJK) Number 29/SEOJK.03/2025 dated November 26, 2025 regarding “Transparency and Published Financial Statements of The Commercial Banks”. c. The Minimum Capital Requirement for Commercial Banks is presented in accordance with POJK Number 11/POJK.03/2016 dated January 29, 2016 concerning Minimum Capital Requirements for Commercial Banks as amended by OJK Regulation (POJK) Number 34/POJK.03/2016 dated September 22, 2016 and lastly amended by POJK Number 27, 2022 dated December 26, 2022. d. Financial Services Authority (POJK) Number 14/POJK.4/2022 dated August 18, 2022 regarding “Submission of Periodic Financial Statements for Issuers or Public Companies”. e. Capital Market and Financial Institution Supervisory Agency (Bapepam-LK) Regulation Number VIII.G.7, Decision of Chairman of Bapepam-LK Number KEP-347/BL/2012 dated June 25, 2012 regarding “Presentation and Disclosure of Periodic Financial Statements for Issuers or Public Companies”. 3. Related Parties on Earning Assets Quality and Other Information are presented in accordance with Bank Indonesia Regulation No. 7/3/PBI/2005 dated January 20, 2005, as last amended by the Financial Services Authority Regulation No. 38/POJK.03/2019 dated December 19, 2019 concerning the Amendment of Financial Services Authority Regulation No. 32/POJK.03/2018 on the Legal Lending Limit and Provisions of Large Fund for Commercial Banks. 4. Exchange rate of 1 US Dollar as of September 30, 2026, September 30, 2025 and December 31, 2025 were IDR17,875.00, IDR16,665.00 and IDR16,675.00 respectively. 5. Basic earnings per share is computed by dividing income for the year available to shareholders of ordinary shares (residual income) by the weighted average number of ordinary shares outstanding during the period. 6. Since January 1, 2025, the Company has applied SFAS 117: Insurance Contracts in the preparation of its consolidated financial information, in accordance with the applicable regulations. NOTES Notes
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2026