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Corporate Presentation CORPORATE PRESENTATION 3Q2020 PT. Bank Negara Indonesia (Persero) Tbk. #BUMNUntukIndonesia Analyst Meeting – 3Q2020 Table of Content 27 October 2020 Page # 1. CEO Message 3 ▪ 3Q2020 Takeaways 4 ▪ Sharpening the focus 5 2. Macroeconomic Highlight 6 3. Financial Performance 3Q2020 9 ▪ Highlighted Results [Consolidated] 10 ▪ Loan & Deposit Growth 11-12 ▪ Non Interest Income 13 ▪ Operating Expense 14 4. Asset Quality Highlight 15 ▪ SML, NPL, Write Off & Recovery 16 ▪ Loan at Risk 17 ▪ Restructured Loan 18 ▪ Covid-19 related loan restructuring 19 5. Corporate Guidance 20 6. Liquidity Performance & International Banking 23 7. Digital Initiatives 26 8. BNI Role on National Economic Recovery Program 29 9. Business and Consumer Banking 32 10. About BNI 39 11. 5 Years Financial Data 46 CEO Message 3 CEO Messages 3Q2020 Takeaways Loan growth 4.2% in 3Q20 and going forward, Lowering Cost of Fund remains one of priorities Healthy and conservative loan growth will be main focus to minimize pressure on NIM Loan Growth Net Interest Margin [NIM] FY2020 Initial 3Q 2020 FY2020 Initial 3Q 2020 Guidance Ending Balance Average Balance Guidance 2%-4% 4.2% 7.7% 3.7%-4.0% yoy yoy yoy 4.3% Higher provisioning due to elevated NPL and LaR Loan at Risk [LaR] Non-Performing Loan [NPL] Credit Cost 3Q 2020 FY2020 Initial 3Q 2020 FY2020 Initial 3Q 2020 Exclude Covid-19 Include Covid-19 Guidance Guidance 12.1% 28.7% 3.7%-4.5% 3.6% 3.0%-3.5% 3.3% 4 CEO Messages Sharpening the Focus Optimize the opportunity to grow Strengthen risk management, business with selected top particularly in wholesale and SME corporate names in Indonesia 02 04 01 03 05 Continue to monitor and analyze Lowering cost of Re-organize our competencies existing loan book quality, and funds to embrace digital as a provisioning accordingly spearhead of business 5 Macroeconomic Highlight 3Q2020 Macroeconomic Macroeconomic Highlight Challenging GDP growth in 2020 Most industry sectors recorded contraction in 2Q20 10.9 8.8 10.7 9.9 9.1 9.6 6.3 8.3 GDP IDR 3.5 5.3 4.6 5.7 4.6 5.8 5.7 5.5 3.7 4.6 13,589T 14,837T 3,782T 3,963T 4,068T 15,834T 3,923T 3,687T 2.2 1.0 1.2 2.3 2.2 5,07 5,17 5,07 5,05 5.02 4.97 2.97 -5.32 GDP % -0.7 -2.7 -3.2 8.2% 12.9% 11.6% 9.9% 1.5% -6.2 -7.6 -5.4 -5.5 7.9% 7.9% 6.1% -12.6 -12.1 -22.0 56.1% 57.9% -30.8 55.7% 56.8% 55.8% 56.5% 56.6% Private Cons 58.1% 19.87 15.46 12.84 10.56 6.28 4.66 4.44 3.80 3.57 3.54 3.06 2.28 1.86 1.83 1.23 1.14 0.08 9.1% 9.0% 6.4% 8.7% 8.4% 8.8% 6.5% 8.7% Govt. Spending 32.2% 32.3% 32.2% 31.3% 32.3% 32.3% 31.9% 30.6% Fix. Cap 20.2% 21.0% 18.5% 17.6% 18.8% 18.4% 17.4% 15.7% Export -19.2% -22.1% -18.8% -18.5% -18.8% -18.2% -17.6% -15.5% Import Manufacture Agriculture Transportation Transportation & Warehousing Education Services Mining Trading Construction Infocom Real Estate Accomodation, F&B Other Services Busines Services Administration Financial Services Gov Services &Electricity Gas Water 2017 2018 1Q19 2Q19 3Q19 2019 1Q20 2Q20 Medical Indonesia Loan Growth Relativity of Sector to GDP (%) GDP Growth 2Q2019 (%) GDP Growth 2Q2020 (%) Low inflation gives room to lower policy rate Adequate Foreign Reserve to Support 9.1 Months Imports to boost economic growth and stable Rupiah Exchange Rate 6.00 6.00 6.00 16,367 5.75 14,404 14,929 14,481 5.25 5.25 13,458 13,756 14,243 14,128 14,195 13,901 14,653 14,554 14,848 5.00 4.50 4.25 4.25 4.00 4.00 4.00 3.61 3.40 3.39 3.12 3.13 3.28 2.96 2.88 2.48 2.72 1.54 1.32 1.42 130 126 120 115 121 124 124 124 129 121 135 137 135 2017 1Q18 1H18 3Q18 2018 1Q19 1H19 3Q19 2019 1Q20 Jul-20 Aug-20 Sep-20 2017 1Q18 1H18 3Q18 2018 1Q19 1H19 3Q19 2019 1Q20 Jul-20 Aug-20 Sep-20 7-D RR Rate (%) YoY Inflation (%) Foreign Reserve (USD Bn) Exchange Rate Inflation FY 2020 FY 2021 BI7DRR FY 2020 FY 2021 IDR/USD FY 2020 FY 2021 forecast 2.0-2.5 3.0-4.0 forecast 4.00-4.50 3.75-4.00 forecast 14,000 – 15,000 14,000 – 15,000 7 3Q2020 Macroeconomic Leading Economic Indicators Indonesia Manufacturing PMI continue to improve and The Consumer Confidence Index (CCI) was recorded slightly fell to 47.2 in Sept 2020 83.4 (16.6 points below optimistic threshold) 51.6 51.9 50.1 51.2 50.4 50.6 50.8 49.9 49.6 49 49.1 49.5 49.3 50.0 28.1 28.2 47.7 48.2 25.4625.1 24.5 26.4 24.8 24.2 26.4 45.3 23.1 21.8 21.7 46.9 47.2 18.4 17.7 13.8 39.1 27.5 28.6 -13.1 -15.2 -16.2-13.8 -16.6 -22.2 Jul-19 Jul-20 Jan-19 Jan-20 Jun-19 Jun-20 Oct-19 Feb-19 Apr-19 Feb-20 Apr-20 Sep-20 Sep-19 Dec-19 Aug-19 Aug-20 Nov-19 Mar-19 Mar-20 May-19 May-20 Shallower retail sales contraction in Sep 2020 where RSI After hitting a low of -81.8 yoy in May, car sales improved to -7.3% (yoy) from -20.6% (yoy) in May 2020 has started to gain traction 230.2 233.6 235.1 250.0 217.5 216.4 219.9 15.0% 212.4 90,000 0.0% 10.1% 190.7 198.3 193.6 194.1 196.6 196.8 10.0% -4.2% 200.0 80,000 -7.4% -10.0% 5.0% 70,000 -20.0% 0.7% 150.0 -0.5% -0.3% -0.8% 0.0% -1.8% 60,000 -33.7% -30.0% -4.5% -5.0% -40.0% -7.3% 50,000 100.0 -9.2% -10.0% -47.7% -50.0% -12.3% 40,000 -54.6% -58.0% -15.0% -59.1% -60.0% 50.0 -16.9% -17.1% 30,000 -69.9% -70.0% -20.6% -20.0% 20,000 -81.8% -80.0% 0.0 -25.0% 10,000 81,066 77,865 60,449 24,272 17,083 29,862 35,799 37,655 43,362 -90.0% Mar Jun Sept Dec Jan Feb Mar Apr May Jun Jul Aug Sept* - -100.0% 2019 2020 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Real Retail Sales (RSI) Index Yoy Growth Retail Car Sales yoy sales growth 8 * Preliminary figure Source: Bank Indonesia Source: Gaikindo Financial Performance 3Q2020 3Q2020 Financial Performance 3Q2020 Highlighted Results [Consolidated] Highlighted Result 2017 2018 2019 3Q2019 3Q2020 Δ YoY Total Asset (IDR Trillion) 709,330 808,572 845,605 815,265 916,954 12.5% B / S Loan (IDR Trillion) 441,314 512,778 556,771 558,674 582,386 4.2% [Cons] Third Party Funds (IDR Trillion) 516,098 578,775 595,067 580,976 705,093 21.4% Net Interest Income (IDR Trillion) 31,938 35,446 36,602 26,873 26,647 -0.8% P & L Non Interest Income (IDR Trillion) 9,308 9,615 11,358 8,132 8,714 7.2% [Cons] PPOP (IDR Trillion) 24,349 22,083 24,349 20,545 19,986 -2.7% Net Profit (IDR Trillion) 13,616 15,015 15,384 11,973 4,320 -63.9% CASA (Consolidated) 63.1% 64.8% 64.6% 64.3% 65.4% 1.1% COF (Third Party Funds) 3.0% 2.8% 3.2% 3.2% 2.9% -0.4% Profitability NIM 5.5% 5.3% 4.9% 4.9% 4.3% -0.6% & Efficiency ROE 15.6% 16.1% 14.0% 14.7% 5.4% -9.3% ROA 2.7% 2.8% 2.4% 2.5% 0.9% -1.6% CIR 43.9% 42.5% 43.9% 43.6% 44.2% 0.6% LAR excl Covid 9.9% 7.9% 9.4% 8.6% 12.1% 3.5% LAR incl Covid 9.9% 7.9% 9.4% 8.6% 28.7% 20.1% Asset NPL (Gross) 2.3% 1.9% 2.3% 1.8% 3.6% 1.8% Quality NPL (Nett) 0.7% 0.8% 1.2% 0.8% 0.5% -0.2% Credit Cost 1.6% 1.4% 1.6% 1.3% 3.3% 2.0% Coverage Ratio 148.0% 152.9% 133.5% 159.2% 206.9% 47.6% Liquidity LDR 85.6% 88.8% 91.5% 96.6% 83.1% -13.5% Tier-1 CAR 17.4% 17.4% 18.7% 18.2% 15.6% -2.6% Capital Total CAR 18.5% 18.5% 19.7% 19.3% 16.7% -2.6% 10 All ratios are bank only unless otherwise stated. 3Q2020 Financial Performance 3Q2020 Balance Sheet Highlight [Consolidated] Growth Balance Sheet [Rp Billion] 2017 2018 2019 3Q2019 3Q2020 YtD YoY Total Assets 709,330 808,572 845,605 815,265 916,954 8.4% 12.5% Placement with other banks & BI 28,593 39,324 47,777 23,806 64,468 34.9% 170.8% Marketable Securities [market value] 36,359 32,362 27,447 28,401 27,239 -0.8% -4.1% Government Bonds [market value] 79,849 86,791 81,029 82,099 85,551 5.6% 4.2% Loans (gross) 441,314 512,778 556,771 558,674 582,386 4.6% 4.2% Third Party Funds 516,098 578,775 614,311 580,976 705,093 14.8% 21.4% Deposits from other Banks 12,177 14,233 11,926 14,932 10,462 -12.3% -29.9% Marketable Securities Issued 3,482 3,087 3,085 3,087 3,085 0.0% -0.1% Borrowings 44,722 52,025 57,236 44,847 48,049 -16.0% 7.1% Shareholders’ Equity 100,903 110,374 125,004 121,274 112,934 -9.7% -6.9% 11 3Q2020 Financial Performance 3Q2020 Loan Composition [Consolidated] [Rp Bn] Growth Compo Loan Yield by Segment [IDR] & Segment 2018 2019 3Q2019 3Q2020 YTD YoY -sition Blended Loan Yield [IDR & Non-IDR] – Bank Only Corporate Private *) 151,711 181,453 181,095 199,993 10.2% 10.4% 34.3% Segment 2018 1H19 3Q19 2019 1Q20 1H20 3Q20 Corporate SOE 110,988 106,977 110,679 111,995 4.7% 1.2% 19.2% Medium 74,731 72,691 74,881 67,673 -6.9% -9.6% 11.6% Corporate 9.9 9.2 9.0 9.0 9.3 8.8 8.4 Small 66,063 75,461 75,013 81,318 7.8% 8.4% 14.0% Medium 10.7 10.8 10.8 10.8 10.0 9.1 9.0 Business Business Banking SUBTOTAL 403,493 436,581 441,668 460,979 5.6% 4.4% 79.2% Small 11.8 11.4 11.6 11.8 11.8 10.9 10.6 Mortgage 40,753 44,128 43,067 45,465 3.0% 5.6% 7.8% Consumer 11.4 11.0 10.9 10.9 10.4 9.6 9.7 Payroll Loan 23,744 26,522 25,761 29,051 9.5% 12.8% 5.0% Total 9.7 9.3 9.3 9.3 9.0 8.4 8.3 Credit Card 12,558 12,844 12,728 11,530 -10.2% -9.4% 2.0% Loan by Currency Consumer Others 2,680 2,380 2,088 1,365 -42.7% -34.6% 0.2% SUBTOTAL 79,735 85,874 83,644 87,411 1.8% 4.5% 15.0% 16% 17% 16% 19% 18% 18% Subsidiaries 29,550 34,316 33,363 33,997 -0.9% 1.9% 5.8% Total 512,778 556,771 558,674 582,386 4.6% 4.2% 100.0% 84% 83% 84% 81% 82% 82% Working Capital 268,888 278,893 287,830 300,019 7.6% 4.2% 51.5% Investment Loan 149,511 175,711 171,143 177,831 1.2% 3.9% 30.5% 2018 3Q2019 2019 1Q2020 1H2020 3Q2020 IDR Non IDR 12 *) Incl.
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