CORPORATE PRESENTATION

3Q2020

PT. Negara (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

RealEstate Accomodation, F&B Other Services Busines Services

Administration Gov

Services &ElectricityGas 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: 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 & 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. Overseas Loans 3Q2020 Financial Performance 3Q2020 Sustain and Healthy Growth of CASA

Third Party Funds CASA Strategy

800,00 0 705,093 Total ▪ Focus on corporate customer’s value chain to capture closed-loop transaction by 69.0% 14.8% YTD optimizing leads data with integrated cash management solution, bank guarantee 700,00 0 614,311 21.4% YOY and supply chain financing. 578,775 580,976 600,00 0 244,044 516,098 67.0%Time Deposit

Bn] Support shifting customer behavior that has shifted online during this pandemic with 66.6% 19.0% YTD ▪ 500,00 0 203,445 207,438 17.6% YOY transactional banking solution as well as mobile banking for retail customers. IDR 190,641 205,010 65.4% 65.0% 400,00 0 64.8% 64.3% ▪ Collaboration with fintech and e-commerce companies in digital ecosystem (B2B2C) 63.1% Saving Account

300,00 0 10.3% YTD for new customer acquisition. 202,266 223,032 63.0% 195,489 14.1% YOY

By Type [ Type By 200,00 0 182,295 206,056 ▪ Develop integrated cash management solution for selected ecosystem such as Current61.0% Account government, State Owned Enterprises, and private business such as health, 100,00 0 15.0% YTD education, digital ecosystem, etc 143,162 169,274 178,049 207,035 238,016 - 33.759.0% % YOY 2017 2018 3Q19 2019 3Q2020 Cash Management 2016 2017 2018 2019 1H2020 3Q2020 CASA Ratio # of Customer 28,969 37,134 48,161 62.543 71.486 77,530 Cost of Fund [%] – Bank Only Avg. Bal. Of Current Acc. [DR Tn] 90,2 112,1 142,0 157,9 194,4 198,3 5.65 5.94 5.88 5.37 5.40 5.39 5.23 # of Transactions [Mn] 61.1 78 115 164 101 155 Value of Transactions [Tn] 1,591 2,137 2,864 3,647 1,582 2,487

3.24 3.19 3.04 2.83 2.94 2.93 2.86 ▪ Optimizing digital banking features to improve customers experience and drive more transactions 2.03 2.06 2.16 2.14 2.03 1.55 1.68 ▪ Promoting more agency partnership to both increase branchless banking agents and support CASA growth.

1.23 1.08 1.20 1.18 1.01 1.03 1.03 2017 2018 3Q19 2019 1Q2020 1H2020 3Q2020

Current Account Saving Account Time Deposits Cost Of Fund 13 3Q2020 Financial Performance 3Q2020 Profit & Loss Highlight [Consolidated]

Growth Profit & Loss [Rp Billion] 2017 2018 2019 3Q2019 3Q2020 Amount YoY Interest Income 48,176 54,139 58,532 43,592 42,031 (1,561) -3.6% Interest Expense (16,238) (18,693) (21,930) (16,719) (15,384) 1,335 -8.0% Net Interest Income 31,938 35,446 36,602 26,873 26,647 (225) -0.8% Premium Income Net 1,768 1,712 1,697 1,288 996 (292) -22.6% Non Interest Income 9,308 9,615 11,358 8,132 8,714 582 7.2% Recovery 1,732 1,997 2,354 1,451 999 (453) -31.2% Operating Income 44,746 48,771 52,012 37,744 37,356 (388) -1.0% Operating Expense (20,396) (21,783) (23,687) (17,200) (17,370) (170) 1.0% Pre-Provision Income [PPOP] 24,349 26,988 28,325 20,544 19,986 (558) -2.7% Provisioning (7,126) (7,388) (8,838) (5,430) (13,977) (8,547) 157.4% Non Operational Inc/(Exp) (57) 221 (118) (59) (74) (15) 24.8% Net Income before Tax 17,166 19,821 19,369 15,056 5,936 (9,120) -60.6% Net Income 13,616 15,015 15,384 11,973 4,320 (7,653) -63.9% Net Income Per Share (full amount) 730 805 825 642 232 (410) -63.9%

14 3Q2020 Financial Performance 3Q2020 Encouraging Non-Interest Income Environment

Breakdown Non-Interest Income [Rp Bn] FBI Movement [Rp Bn]

Growth Non Interest Income 2018 2019 3Q2019 3Q2020 YoY Recurring Fee Based Income quarterly movement turned positive in 3Q20, signaling improvement after the ease of social Total Recurring Fee 9,544 11,053 7,798 8,257 5.9% restrictions Account Maintenance 1,743 2,027 1,416 1,469 3.8% 3,106 ATM & e-Channel 1,122 1,271 926 1,009 9.0% 2,660 2,491 Maintenance 315 439 326 344 5.5% 24.7% -6.4% PPOB & Billpayment 230 234 179 190 6.0%

Remittance 233 235 172 165 -4.2% -6,4%

Others [Card Business, Bancass, etc] 2,064 2,173 1,621 1,310 -19.2% 1Q2020 2Q2020 3Q2020 Total Fee Consumer 5,708 6,379 4,641 4,488 -3.3% Recurring Fee Trade Finance 1,204 1,262 906 901 -0.6% Marketable securities 568 978 678 1,036 52.8% Recurring Fee - Business Banking Recurring Fee - Consumer Banking FX Trading 420 436 314 529 68.2% Pension Fund 148 169 125 140 12.3%

Syndication 351 550 325 263 -19.0% 1,614 1,565 1,431 1,492 Others [Custody, Coop Fee, Etc] 1,146 1,285 809 901 11.3% 1,095 1,060 Total Fee Business Banking 3,837 4,675 3,157 3,769 19.4% -8.6% 4.3% 52.2% Total Non Recurring Fee 252 412 287 366 27.5% -3.2% Total Non Int Income [Bank Only] 9,796 11,465 8,085 8,623 6.6% Subsidiaries (180) (107) 47 91 93.5% Total Non Int Income [Consolidated] 9,616 11,358 8,132 8,714 7.2% 1Q2020 2Q2020 3Q2020 1Q2020 2Q2020 3Q2020 15 3Q2020 Financial Performance 3Q2020 Operating Expense [Consolidated]

OPEX Composition [Rp Bn] Cost to Income Ratio – Bank Only [%] Growth OPEX 2017 2018 2019 3Q2019 3Q2020 YOY HR Expense 9,277 9,519 10,186 7,591 7,233 -4.7% 43.6 43.9 43.9 43.5 44.2 GA Expense 5,858 6,607 6,913 4,834 4,327 -10.5% 42.5 IT Expense 1,052 1,153 1,214 875 959 9.6% 40.1 Regulatory Exp 1,180 1,323 1,502 1,142 1,164 1.9% Deprec. & Amort. 1,043 1,193 1,439 1,084 1,506 38.9% 2017 2018 3Q2019 2019 1Q2020 1H2020 3Q2020 Others 1,986 1,989 2,432 1,672 2,182 30.5% Total 20,396 21,783 23,686 17,200 17,370 1.0% Cost discipline given evolving economic situation GA Expense Composition

GA Expense 2.1% Office Utilities ▪ Cost Discipline on particular variable expenses ▪ Effective spend management for promotion expense, realized with a Office Equip. & Supplies focus on targeted market. 19.3% Repair & Maintenance 4,834 4,327 ▪ Depreciation Expense growth is driven by implementation of PSAK 2.7% 73 to set-off the decline of rent-expense booked under GA Expense Rent 3Q2019 3Q2020 3Q2020 17.0% Rp4,3T 48.4% HR Expense Office Traveling ▪ Efficiency in HR expense was driven by variable cost optimization. Promotion ▪ Employee training & development program is shifted from in-class to 9.9% digital delivery. R & D 7,591 7,233 ▪ While the growth in IT expense was to support a variety of digital banking initiatives and become the backbone of current operations. 0.6% 3Q2019 3Q2020

16 Asset Quality 3Q2020 Asset Quality Highlight SML, NPL, Write Off & Recovery [Bank Only]

Special Mention Loan (SML) by Segment Write Off & Recovery [Bank Only]

Segment 2017 2018 3Q2019 2019 1H2020 3Q2020 48.1% 35.7% 39.6% Corporate 25.4% 23.9% 2.5% 3.3% 3.3% 5.1% 5.4% 6.6% 21.9% 1,656 1,232 Medium 6.8% 7.2% 7.4% 6.7% 9.0% 7.5% 8,730 2,220 7,447 2,657 4,179 5,577 2,686 3,313 727 5,153

Small 3.5% 3.7% 4.2% 2.9% 3.7% 3.7% 2017 2018 3Q2019 2019 1H2020 3Q2020 Consumer 3.9% 3.2% 3.6% 2.6% 3.6% 3.8% Write Off (Rp Bn) Recovery (Rp Bn) Recov. to Write Off Ratio Total SML- % 3.8% 3.9% 4.1% 4.6% 5.4% 5.8% Write Off & Recovery by Segment [Bank Only] Total SML- Bn 15,730 19,006 21,450 24,015 29,151 31,939 Write Off [Rp Bn] Year Corp Medium Small Cons TOTAL Non Performing Loan (NPL) by Segment 2017 2,991 2,271 1,915 1,553 8,730 2018 1,833 1,826 2,150 1,638 7,447 Segment 2017 2018 3Q2019 2019 1H2020 3Q2020 3Q2019 1,754 653 911 860 4,179 2019 1,960 1,405 1,084 1,127 5,577 Corporate 1.9% 1.7% 1.1% 1.9% 2.2% 2.9% 1H2020 924 1,032 683 675 3,313 3Q2020 1,188 1,400 1,555 1,010 5,153 Medium 2.8% 2.6% 3.9% 4.1% 6.7% 8.4% Recovery [Rp Bn] Year Small 2.7% 1.6% 2.2% 2.1% 3.3% 2.7% Corp Medium Small Cons TOTAL 2017 651 635 565 368 2,220 Consumer 2.5% 2.1% 2.1% 2.0% 2.9% 2.9% 2018 791 483 886 497 2,657 Total NPL- % 2.3% 1.9% 1.8% 2.3% 3.0% 3.6% 3Q2019 193 341 725 396 1,656 2019 535 502 1,042 606 2,686 Total NPL- Bn 9,415 9,193 9,468 11,863 16,490 19,539 1H2020 52 118 383 173 727

3Q2020 80 254 629 268 1,232 18 3Q2020 Asset Quality Highlight Challenging Loan at Risk Outlook

Loan at Risk to Loan Ratio (%,BankOnly) Excl. Covid by Segment Loan at Risk to Loan Ratio (%,BankOnly) Incl. Covid by Segment

Years Corporate Middle Small Consumer Total Years Corporate Middle Small Consumer Total 2018 6.3% 14.4% 8.6% 6.5% 7.9% 2Q2020 21,1% 43,8% 53,4% 18,0% 28,0% 3Q2019 6.6% 17.1% 9.9% 6.6% 8.6% 3Q2020 21,6% 54,4% 47,8% 16,5% 28,7% 2019 8.4% 17.7% 9.1% 5.9% 9.4% 1H2020 8.9% 21.9% 12.3% 7.3% 10.8% Loan At Risk Composition - % 3Q2020 11.0% 23.7% 10.7% 8.2% 12.1% Incl Covid Loan at Risk Composition by Sector CoC By Segment 38,171 45,272 48,956 58,706 66,270 152,355 157,556 100.0% 100.0%

90.0% 90.0% 10.4% 2.9% 24.1% 20.6% 24.2% 11.6% 80.0% 28.1% 29.5% 3.3% 80.0% 0.9% Segment 2018 2019 1Q2020 1H2020 3Q2020 18.4% 19.0% 70.0% 3.7% 70.0% 60.0% 60.0%

50.0% 47.9% 3.9% 50.0% 49.8% 49.1% 49.7% 48.2% 40.0% Corporate 0,5% 1,5% 2,1% 1,0% 2,2% 40.0%

30.0% 30.0% 71.2% 69.4%

20.0% 6.2% 20.0% 10.0% 31.5% 26.1% 26.7% 22.3% 22.3% 10.0%

Medium 2,7% 1,8% 4,7% 10,2% 8,0% 0.0% 3Q2020 31.0% 0.0% 12.2% Rp66,3T 2018 3Q'19 2019 1H2020 3Q2020 1H2020 3Q2020 Small 2,8% 1,2% 4,1% 3,2% 4,4% Coll-1 Restructured SML NPL 12.2% 23.6% Consumer 1,6% 1,5% 3,7% 3,7% 3,4% Coverage Ratio (Bank Only)

Manufacturing Transportation, Warehousing Total 1,4% 1,6% 1,5% 2,6% 3,3% Ratio 2018 3Q2019 2019 1H2020 3Q2020 & Communication Trading, Resto & Hotel Construction NPL Coverage 152,9% 159,2% 133,5% 214,1% 206,9%

Agriculture Mining LAR Coverage Ex Covid 36,8% 33,4% 32,4% 60,1% 61,0% LAR Coverage Incl Covid 36,8% 33,4% 32,4% 23,2% 25,7% Others Social Services

Business Service Electricity, Gas & 19 Water 3Q2020 Asset Quality Highlight Restructured Loan – Non Covid as of 3Q2020 [Bank Only]

Types of Restructured Loan & Ratio [Rp Bn, %] Restructured Loan by Collectability [Rp Bn, %]

48,000 30.0%

43,000 Total 37,649 25.0% 100.0%

38,000 34,075 35,372 35,066 90.0% 20.0% Ext. Current 33,000 22,393 Maturity, 80.0% 38.1% 37.0% 30.5% 35.9% 26,089 15.0% 47.2% 17,786 9,590 70.0% 28,000 15,579 Interest

Rate, & 60.0% 23,000 10.0% Other 10,985 50.0% 18,000 6.8% 6.4% 6.5% 50.6% 6.1% 5.0% 5.4% 40.0% 42.5% SML 13,000 5,170 Ext. Maturity, 45.2% 49.7% 30.0% 12,659 20,103 0.0% InterestRate 42.4% 8,000 13,644 11,583 20.0%

-5.0 %

3,000 10,086 Ext. Maturity 5,837 10.0% 3,521 3,943 5,373 16.7% 18.9% 21.6% NPL (2,00 0) -10. 0% 13.3% 0.0% 10.3% 2018 3Q19 2019 1H2020 3Q2020 2018 3Q'19 2019 1H2020 3Q2020 Restructured Loan to TotalLoan

Restructured Loan – By Sectors [Bank Only] Restructured Loan – By Segment [Bank Only]

4.4% 1.4% 2.6% 1.3% 0.8% 4.0% 4.4% 4.4% 4.5% 4.1% 4.5% 4.4% 12.8% 14.0% 54.7% 5.8% 5.9% 3Q2020 FY2019 36.2% 3Q2020 38.9% FY2019 52.3% 8.9% 6.3% 30.4% Rp37,6T Rp35,4 T Rp37,6T Rp35,4 T 26.8% 7.4% 9.9% 23.8% 25.0%

Manufacturing Trading, resto & hotel Business Service Agriculture Transportation, Warehousing Corporate Medium Small Consumer & Communication Mining Construction Others Electricity, Gas Social Services & Water 20 3Q2020 Asset Quality Highlight

Progress of loan restructuring related to Covid-19 as of 3Q2020 [Bank Only]

Restructuring Loan by Segment [IDR Bn] Restructuring Loan By Sector & its Scheme

Loan restructuring approval Restructured Loan (Covid) 2.8% 0.3% Loan Book % granted 0.1% Trading, resto & hotel Segment to Loan Business Services 3Q2020 30 Sept % to Loan 31 March 30 June 30 Sep 7.4% Manufacture Others 30.2% Corporate 312,931 1,723 42,631 39,516 12.6% 53,472 17.1% 9.6% Construction Transportation, Warehousing Medium 67,673 2,406 15,791 22,058 32.6% 25,003 36.9% As of Sep’20 & Communication 10.3% Rp101,7 T Agriculture Small 81,318 1,976 31,960 31,791 39.1% 34,465 42.4% Social Services 12.4% 13.5% Mining Consumer 86,691 124 9,580 8,348 9.6% 9,096 10.5% Electricity, Gas & Water 13.4% TOTAL 548,614 6,229 99,962 101,714 18.5% 122,036 22.2%

▪ Total restructured loans recorded in Sept 2020 have reached Rp101,7 Tn. However, to be noted that credit approval for restructuring has reached Rp122,0 Tn. 22.7%

▪ Compared to Aug figures, number of loan restructuring in the medium segment increased Reschedulling especially in trading, F&B & hotel sector. 31.4% As of Sep’20 Interest Payment Deferral / ▪ Realization in Corporate segment decreased in Sept by Rp3,1 Tn. Rp101,7 T Interest Discount Reschedulling & Interest Payment Deferral / Interest Discount 45.9%

21 Corporate Guidance 3Q2020 Corporate Guidance for FY2020

3Q2020 FY2020 FY2020 Previous Guidance Updated Guidance

Loan Growth (% yoy) 4.2% 2% - 4% 2% - 4%

NIM 4.3% 3.7% - 4.0% 3.7% - 4.0%

NPL 3.6% 3.7% - 4.5% 3.7% - 4.5%

Credit Cost 3.3% 3.0% - 3.5% 3.4% - 3.9%

23 Liquidity Performance & International Banking 3Q2020 Liquidity Performance & International Banking Well-Managed Liquidity Indicators in a Challenging Environment

Liquidity Coverage Ratio Net Stable Funding Ratio short-term obligations have been well covered...... as well as for supporting long-term assets.

[IDR Tn] [IDR Tn] 226% 654 195% 611 602 622 192% 185% 182% 188% 189% 567 568 567 152% 556 195 155 156 448 430 429 428 414 429 423 429 125 128 122 115 113 111 118 122 153% 109 95 99 103 101 145% 45 42 32 45 35 36 140% 33 31 134% 132% 136% 134% 132%

Des-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Des-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20

ASF (Available RSF (Required NSFR (Net Stable HQLA Cash Outflow Cash Inflow LCR Stable Funding) Stable Funding) Funding Ratio)

IDR and FX Loan to Deposit Ratio

LDR is also manageable, well within regulatory framework

98.2% 94.7% 92.8% 92.8% 93.9% 89.8% 89.6% 91.6% 93.2% 92.4% 88.7% 91.4% 89.2% 86.6% 89.8% 88.3% 88.6% 90.1% 88.0% 87.6% 80.9% 77.0% Q1 2018 1H18 Q318 2018 Q1 2019 1H19 Q3 2019 2019 Q1 2020 1H20 Q3 2020 IDR FX 25 3Q2020 Liquidity Performance & International Banking International Business Strengthening Competitiveness of BNI in International Business to support Global Partners Business Highlight

Source of Leveraging synergy and reciprocal business with leading global correspondents across of the globe with main focus to generate International ▪ The biggest portfolio of overseas loan focus on priority Funding low cost funding source. sectors such as manufacture, transport, warehouse & communications, and trading, resto & hotel.

▪ Support Indonesia business to expand globally ▪ Top expansion came from transport, warehouse and Go Global communications, construction and manufacture. with BNI ▪ Providing digital-based global services ▪ International business loan focuses on export oriented Indonesia related companies and its supply chain. ▪ Optimizing role of international business through overseas ▪ Overseas Branches as a channel of competitive

Strategic Values Strategic branches and dedicated FI unit to support Foreign Direct source of funds. Gate to Investment. Investment ▪ Optimizing International Desk in providing banking and advisory services to foreign entities investing in Indonesia.

Income from International Business International Funding Total Assets Overseas Branches Earning Before Tax Overseas Branches (IDR Trillion) (IDR Trillion) (IDR Trillion) (IDR Billion)

1,587.8 3.6 3.3 75.2 74.3 80.2 3.0 64.7 65.7 61.3 64.7 68.3 2.6 2.6 58.6 1,104.7 45.8 856.2 1.9 41.8 728.6 31.9 562.5 598.4

2016 2017 2018 2019 Q3-19 Q3-20 2016 2017 2018 2019 Q3-19 Q3-20 2016 2017 2018 2019 Q3-19 Q3-20 2016 2017 2018 2019 Q3-19 Q3-20 Income from International Business grew by International funding of Rp64.7 Tn Total assets in overseas branches amounted Earning before tax in overseas branches grew 27,1% YoY in 3Q20 until 3Q20 Rp80.2Tn as of 3Q20 by 85.5% YoY as of 3Q20 26 26 BNI Digital Initiatives 3Q2020 BNI Digital Initiatives Digital Initiatives that encompass Product, Digital Platform and Open API

Branchless Banking Platform Smart CA 1 Digitize Internal (Loan Origination) Platform Digi Sales Early Warning System

Digital Opening Account Digital Loan for MSME

BNI Mobile Banking Develop Digital- BNI Direct Next Gen 2 Native Products and modernize existing Digital Loan for Consumer Business Financial Supply Chain services Consumer Banking Banking Management Voice Command Virtual Online Bank Guarantee Assistant

BNI Smart City Leverage Digital API Open Banking 3 Ecosystem with API Open Banking API Smart Remittance & Forex Trading

Cloud-Base Strengthen cybersecurity Digital Mindset Enablers Big Data & Analytics 4 Infrastructures capabilities HC Transformation

28 3Q2020 BNI Digital Initiatives Mobile banking is set to become the dominant banking channel for customers Quarterly # of Transaction (Mn)

BNI Mobile Banking 375 386 390 380 90 354 350 364 400 326 354 BENI # Active User (in 000) 80 317 79 350 292 63 69 39.3% 56.7% 70 59 300 60 53 Ytd YoY 46 250 50 44 36 200 40 6,7 6,7 26 4,8 97 97 150 0174109138 4,3 30 78 16 19 37 20 100 Mobile Banking 50 10 ATM Dec-19 Sep-20 Sep-19 Sep-20 0 0 # Transaction Value (in Rp Tn) 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 80.4% YoY Quarterly Transaction Value (Rp Tn) 335 250 250 186 180 177 178 200 166 169 166 173 167 200 Sep-19 Sep-20 153 148 152 # Transaction (in Mn) 150 150 Leading Features Next Improvement 103 114 117 100 88 100 » Biometric Login » Omni-channel 48.1% 69 YoY 56 61 » User-ID Auto Filling experience 34 43 50 24 33 50 » Point+ integration » Personal Finance Mobile Banking 211 » Opening Account Management ATM 142 - - » Loan Application 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 Sep-19 Sep-20 29 As a working partner of the government, optimize the role of intermediation to revive the economy (PEN) 3Q2020 BNI Role on National Economic Recovery Program Utilizing Opportunities for Selective Growth

Measures to revive the National Phase-1, Government placed Rp5 Tn in BNI from a Phase-2, Government placed an additional Rp2.5 Tn Economy total of Rp30 Tn placed to 4 SOE Banks on 25 June on 24 Sept 2020. Total placement will be Rp7.5 Tn 2020. As of 30 Sept 2020, BNI has disbursed Rp20.03 » with a commitment to disburse loan to Rp22.5 Tn Tn of loan (leverage 4.0x) Finance Minister Regulation (PMK) No. 104/PMK.05/2020 on the In Rp Trillion, as of 30 September 2020 In Rp Trillion, as of 20 Oct 2020 placement of state funds in public banks towards National Economic 5.10 Corporate 5.00 Corporate Recovery 0.94 0.81 Medium Medium 4.0x 2.9x 21.85 PMK no. 71/PMK.08/2020 which 20.03 Small appointed state-owned insurance 14.22 Small 15.83 providers to provide guarantees for 7.50 banks providing working capital 5.00 loans for micro, small and medium- - - - - sized businesses (MSMEs). government loan segment government loan segment placement disbursement placement disbursement

PMK no. 98/PMK.08/2020 concerning working capital credit guarantee scheme for corporate We closely monitor to ensure the quality of its process. Selective growth is prioritized in small segment with a ceiling of Rp10 segments with Trading, Agriculture and Business Service as the targeted sector. For corporate Billion to Rp1 Trillion segment, export- oriented and labor-intensive are mandatory.

31 3Q2020 BNI Role on National Economic Recovery Program Progress of Loan Disbursement Under National Economic Recovery (PEN) Program

Plan for Loan Disbursement Realization as of 20 Oct 2020 [IDR Bn] Debtors Criteria [IDR Bn] Total Total Total 22,541 21,851 21,124 ▪ Existing debtors with good track 3.3% record 3.2% ▪ Not recorded in the national blacklist 5,733 5,100 11.5% (DHN) and not receiving loan 924 restructuring from other bank 1,139 21.7% ▪ Recorded as performing debtors within the last 6 month 6,423 6,245 18.8% ▪ DSRA (Debt Service Reserve Account) min 1x ▪ Willing to fulfill the collateral requirement (110% for working capital loan and 100% for investment loan) 9,405 41.5% 9,424 ▪ Optimizing Supply Chain Financing (SCF)

By Segment (IDR Bn) By sector By Segment (IDR Bn) Trading Manufacture Small - KUR Medium Small - KUR Medium Agriculture Construction Small – Non KUR Corporate Small – Non KUR Corporate Services Others 32 Business & Consumer Banking 3Q2020 Corporate Business

Growth Compo- NPL Sectors *) – [Rp Bn] 2017 2018 2019 3Q2019 3Q2020 Business Highlight YTD YoY sition 3Q2019 3Q2020 Business Services 27,842 28,978 37,101 32,052 35,448 -4.5% 10.6% 11.4% 1.6% 1.2% ▪ Growth in Corporate segment was mainly contributed by several sectors such as Transportation, Manufacture 55,941 69,407 76,404 81,544 80,049 4.8% -1.8% 25.7% 1.7% 5.0% Telecommunication, Construction, and Manufacture, including pharmacy, pulp and CPO. Electricity, Gas and 25,232 22,578 29,100 30,159 25,824 -11.3% -14.4% 8.3% 0.0% 1.0% Water ▪ Top expansion in private was driven by Transportation and Manufacturing (Pulp and CPO), while SOE Construction 16,869 22,290 28,172 26,979 36,027 27.9% 33.5% 11.5% 0.0% 0.0% expansion mostly came from Construction. Agriculture 38,840 38,189 42,844 43,550 44,911 4.8% 3.1% 14.4% 0.0% 0.0% ▪ Given the challenging business condition, NPL increased by 180 bps yoy. New NPL in 3Q2020 Social Services 5,496 7,310 9,892 8,111 12,248 23.8% 51.0% 3.9% 0.2% 0.0% contributed by Manufacturing (Pulp & Paper and tin manufacturing), Trading, Resto & Hotel ( IT Distributor Others 5,114 5,130 4,627 3,823 3,195 -30.9% -16.4% 1.0% 0.0% 0.0% and Hotel), and Mining (coal mining).

Trading, Resto & Hotel 16,490 32,478 31,763 35,336 32,631 2.7% -7.7% 10.5% 2.7% 9.4%

Transport, Warehouse 17,439 20,780 18,807 20,036 30,923 64.4% 54.3% 9.9% 1.0% 1.6% and Communications

Mining 9,496 15,559 9,718 10,184 10,732 10.4% 5.4% 3.4% 0.4% 7.6%

Total Corporate 218,758 262,699 288,430 291,774 311,988 8.2% 6.9% 100.0% 1.1% 2.9%

Construction Manufacture Agriculture Credit Risk Management

▪ Retain asset quality amid economics slow down 69,407 81,544 76,404 80,049 especially for corporates impacted by covid-19 43,550 42,844 44,911 36,027 38,189 26,979 28,172 3.5% 5.0% ▪ Prudent business development focusing on low risk 22,290 3.2% 1.7% portfolio; top rank SOEs and private corporates 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% ▪ Strengthen industry specialist implementation on loan assessment process and portfolio management. 2018 3Q2019 2019 3Q2020 2018 3Q2019 2019 3Q2020 2018 3Q2019 2019 3Q2020 Outs NPL Outs NPL Outs NPL

*) including Overseas 34 3Q2020 Medium Business

Growth NPL Sectors Compo- 2017 2018 2019 3Q2019 3Q2020 Business Highlight [Rp Bn] YTD YOY sition 3Q2019 3Q2020 Manufacture 20,285 19,585 19,835 20,047 18,803 -5.2% -6.2% 27.8% 4.8% 9.2% ▪ Focus in major business cities with 63% of loan portfolio is in Java. Food & Beverages ▪ Supply Chain Financing (SCF) is linked to High Quality Corporate debtors. Top 5 2,852 3,341 4,580 3,928 4,584 0.1% 16.7% 6.8% 0.9% 2.6% SCF anchors includes Pertamina, PLN Group, Brantas Abipraya, Karya SOE’s, Industry and Sinarmas Group. Non metal mining 1,103 1,196 1,497 1,475 1,340 -10.5% -9.1% 2.0% 4.7% 15.9% Supply Chain Financing (Rp Bn) processing industry 16,401 17,030 Electronic, Automotive, 7,764 7,741 7,362 7,984 6,796 -7.7% -14.9% 10.0% 6.6% 10.5% 13,826 Steel & Base Metal 11,963 10,524 Social Services 1,857 2,755 2,952 2,993 3,180 7.7% 6.2% 4.7% 1.6% 2.2% Agriculture 3,173 3,622 3,730 4,211 3,765 0.9% -10.6% 5.6% 1.2% 10.8% Mining 1,947 2,007 1,994 2,016 1,731 -13.2% -14.1% 2.6% 4.2% 14.9% Electricity, Gas and 623 456 366 432 313 -14.4% -27.4% 0.5% 9.1% 13.3% 2017 2018 2019 Q3 2019 Q3 2020 Water Business Services 5,870 7,082 6,880 7,132 6,029 -12.4% -15.5% 8.9% 2.2% 4.5% Rental services – Credit Risk Management heavy equipment, 2,370 3,513 4,313 4,250 3,728 -13.6% -17.5% 5.5% 3.4% 5.1% ▪ Expanding only to debtors focused on their core business & its local transportation, competitive advantage with sound financial ratio. machinery, building ▪ Applying four eyes principle for credit approval. Others – Real Estate 3,431 3,317 2,436 2,478 2,107 -13.5% -15.0% 3.1% 0.0% 3.8% ▪ Prudent business development through Clearance In Principle from related higher Credit Approval Official. Construction 6,977 7,787 7,391 7,839 6,706 -9.3% -14.5% 9.9% 3.1% 8.1% ▪ Responding to Covid-19 pandemic and according to OJK’s stimulus, BNI provides restructuring scheme for business impacted by the pandemic. Transport, Warehouse 6,307 7,940 7,303 7,458 6,946 -4.9% -6.9% 10.3% 2.0% 4.8% and Communications Trading, Restaurant & Debtor’s Financial Ratio 23,220 23,497 22,240 22,753 20,200 -9.2% -11.2% 29.8% 5.2% 10.2% Hotel Rasio 2017 2018 3Q2019 2019 3Q2020 Distribution 7,260 7,408 7,826 8,013 7,192 -8.1% -10.2% 10.6% 4.7% 11.8% EBITDA/Interest (>200%) 78.3% 76.1% 76.1% 75.5% 74.8% Resto & Hotel 8,164 7,937 7,864 7,952 7,500 -4.6% -5.7% 11.1% 1.7% 11.0% Collateral (>100%) 97.7% 97.5% 97.2% 97.2% 97.0% Retailer 4,472 4,554 3,648 3,806 3,368 -7.7% -11.5% 5.0% 5.8% 4.9% Current Ratio (> 1) 90.5% 86.4% 88.8% 88.8% 86.7% Total Medium 70,261 74,731 72,691 74,881 67,673 -6.9% -9.6% 100.0% 3.9% 8.4% DER (<2) 86.3% 84.3% 82.9% 82.7% 80.9%

35 3Q2020 Small Business

Growth Compo- NPL Sectors - (Rp Bn) 2017 2018 2019 3Q2019 3Q2020 Business Highlights & Future Strategies YTD YOY sition 3Q2019 3Q2020 ▪ The National Economics Recovery (PEN) Program boosted Manufacture 5,388 7,109 8,308 8,295 8,319 0.1% 0.3% 10.2% 2.0% 2.3% loan growth significantly, as the Small Business segment Trading, Resto & placed as bank’s main target. 34,697 37,897 41,679 41,901 44,920 7.8% 7.2% 55.2% 2.6% 3.1% Hotel ▪ Conservative approach is performed during this unprecedented time by focusing expansion on resilient Agriculture 4,227 6,541 9,075 8,491 12,047 32.7% 41.9% 14.8% 1.1% 1.3% subsectors which are trading, agriculture, and social Business Services 5,369 6,131 6,194 6,379 5,370 -13.3% -15.8% 6.6% 1.7% 3.1% services. ▪ Enhancing digital processing capability by strenghtening Transport, credit scoring system and implementing mobile credit Warehouse and 1,583 1,848 2,062 2,056 2,045 -0.8% -0.5% 2.5% 1.1% 2.0% processing Communications ▪ Future loan expansion is done through strict health protocol Construction 2,347 2,670 3,134 3,105 3,066 -2.2% -1.2% 3.8% 2.9% 3.3% while keeping it prudent. Electricity, Gas and 70 100 112 118 98 -12.3% -16.7% 0.1% 0.9% 0.6% Water Mining 227 313 395 376 365 -7.5% -2.8% 0.4% 2.7% 5.1% Credit Risk Management Social Services 2,571 3,454 4,502 4,292 5,086 13.0% 18.5% 6.3% 1.6% 1.9% ▪ Optimizing credit insurance on PEN program which Total Small 56,479 66,063 75,461 75,013 81,318 7.8% 8.4% 100% 2.2% 2.7% guaranteed by State-Owned Insurance Companies ▪ As Covid-19 stimulus’ end approaching, the bank maps Portfolio by Product Number of Outlets with Small Loan Authority potentially failed loan and prepares plans which suit debtors case by case 3Q2019 3Q2020 2017 2018 2019 3Q2020 ▪ Strengthening early warning system especially for Product NPL NPL Growth (Rp Bn) Outstand pandemic-related restructured loan and special mention Outstand Outstand loan 24 SKCs 25 SKCs 25 SKCs 25 SKCs BCM 42,987 2.9% 42,857 4.0% -0.3% Type of 145 149 151 151 BWU 6,307 3.2% 8,525 3.8% 35.2% outlet Branches Branches Branches Branches 3Q2019 3Q2020 KKLK 1,050 0.4% 92 1.3% -91.2% 28 Sub- 92 Sub- 181 Sub- 324 Sub- Outstanding (Rp Bn) 75,013 81,318 Branches Branches Branches Branches KUR 24,669 0.9% 29,844 0.5% 21.0% Number of Customer 263,660 301,126 Total 75,013 2.2% 81,318 2,7% 8.4% Total 197 outlets 266 outlets 357 outlets 423 outlets Ticket Size (Rp Mn) 284.5 270.0

36 3Q2020 Consumer Business

Growth Compo- NPL Business Highlight Product 2018 2019 3Q2019 3Q2020 YtD YoY sition 3Q2019 3Q2020 ▪ Strategy on payroll loan growth came from optimizing opportunity from cross-selling customer database of Mortgage 40,753 44,128 43,067 45,465 3.0% 5.6% 52.0% 2.8% 3.6% Corporate segment (government institutions and SOE companies). Payroll Loan 23,744 26,522 25,761 29,051 9.5% 12.8% 33.2% 0.9% 1.6% ▪ Enhance digital application for loan origination (Eform Griya 12,558 12,844 12,728 11,530 -10.2% -9.4% 13.2% 2.4% 4.2% and DigiFleksi) Others 2,680 2,380 2,088 1,365 -42.7% -34.6% 1.6% 2.1% 0.1% ▪ Optimizing customer data leads ▪ Mortgage expansion strategy 2020: 79,735 85,874 83,644 87,411 1.8% 4.5% 100.0% 2.1% 2.9% – Focus on fixed income customers from selected institution and selected developer Payroll Loan Debtors Payroll Loan Account VS Payroll Pipeline [Th] – Expand marketing target to millennial community Composition 3Q20

315 18.7% 4.2% Credit Risk Management 256 261 266 30.5% 234 6.7% ▪ Mortgage expansion focuses on existing non-mortgage 185 debtors with good track record and performance by providing a take over program for post fixed-capped rate period loan in 130 other banks. 76 ▪ Optimizing the portion of the Government Subsidized 39.8% Mortgage Program and House Ownership Program for 770 1,894 2,302 2,724 3,317 3,392 3,140 3,250 selected institution. Government Related SOE ▪ Payroll loan penetration focuses on employees of 2015 2016 2017 2018 3Q'19 2019 1H 2020 3Q2020 Private Companies Universities government institutions and SOE that have low turnover Pipeline Account rate, and upper middle level employees, and also expansion Other to pension. ▪ Selective and prudent expansion to the employee of .. Payroll loan as main driver of growth focused on selected institutions campanies that operates in sectors impacted by Covid 19 based on the captive market ..

37 3Q2020 Subsidiaries Group Structure BNI Multifinance 1,837 1,864 2, 000 1,721 35 1, 800 33 30 1, 600 1,318

27 27 25 Global UMKM Synergy 1, 400

1, 200 908 20 1, 000 19

15 80 0

60 0 302 330 364 342 356 10

40 0

5 20 0 4 Multifinance Securities Life Insurance Remittance Sharia Banking - - Inclusion Infrastructure Digital 2017 2018 Q3 2019 2019 Q3 2020 1983 99.99% 1995 75.00% 1996 60.00% 1996 100.00% 2010 99.95% BNI Sekuritas BNI Life 1,500 1, 600 25 25 ,00 0 40 0 0,05 % 1,294 1, 400 22 20 375 18,289 19,324 35 0 1,122 20 ,00 0 17,288 17,483 1, 200 16 1,022 17 15 16,304 30 0 Asset Management 302 1, 000 10 25 0 786 730 726 743 15 ,00 0 250 80 0 7 5 20 0 2011 99.90% 10 ,00 0 185 60 0 396 414 - 5,352 5,210 5,568 5,612 5,600 15 0

40 0 ( 5) 10 0

5, 000 20 0 (12) ( 10) 47 50 Year of establishment Shares ownership - ( 15) - - 2017 2018 Q3 2019 2019 Q3 2020 2017 2018 Q3 2019 2019 Q3 2020

Financial Highlights BNI Syariah BNI Asset Management Growth Rp Billion 2017 2018 Q3 2019 2019 Q3 2020 60 ,00 0 49,980 52,392 70 0 16 0 137 135 133 134 25

YoY 14 0 60 0 23 121 119 50 ,00 0 43,916 41,049 603 108 112 113 20 12 0 34,827 50 0 97 Total EAT Subs 720 647 773 978 493 -36,23% 40 ,00 0 10 0 462 15 416 40 0 30 ,00 0 387 80

Total Fee Subs 553 609 435 660 416 -4,37% 30 0 12 11 10 307 60 20 ,00 0 10

20 0

40 Total Dividen Subs 35 81 35 150 210 495,39% 4,708 4,735 5,379 5 10 ,00 0 3,812 4,242 6 10 0 20

EAT + Fee + Div. Subs 1.308 1.337 1.243 1.787 1.119 -9,98% - - - - 2017 2018 Q3 2019 2019 Q3 2020 2017 2018 Q3 2019 2019 Q3 2020 Subs Contribution 9,50% 8,86% 10,38% 11,52% 25,91%

*) Equity 3Q'20 BNI Sekuritas increased by capital addition from shareholders’ **) Equity 3Q 2020 BNI Syariah increased by capital addition from shareholders’ Asset Equity Profit (in Rp Billion) 38 3Q2020 Roadmap of Environmental Sustainable Governance (ESG) Implementation

2023 Social Forestry MSCI Rating A 2021 Implementation of financial The Best Among Peers Implementation on sustainability on Through KUR disbursement, BNI financial sustainability Manufacture, Food Collaborate with communities and social forestry and Beverage Industry. living near forest areas to “Lets saving with waste” program outside Credit Card improved local economy and environment friendly Training on aspect LST in 2022 program protect forest through the use of business – stage 3 (basic Study of financial critical land 2019 - intermediate) sustainability on Training on LST Manufacture, Food aspect in business – Defining KKUB baseline on palm Business forum – stage 4 (Basic – environment friendly and Beverage oil and renewable energy sectors Intermediate – industry Industry. at business banking segment. Advance) Social Performance “Lets saving with “Lets saving with waste” program. Industry mapping on Awareness program social and communal risk waste” program Study of potential environment outside Java. for debtors. Disbursement Regions friendly industry Enhancement of Implementation on Tuban, Bojonegoro, Madiun, monitoring system Training on aspect LST in monitoring system on for social and Tulungagung, Blitar, , business – stage 1 (basic) social and communal 2020 risk communal risk. Lumajang, Jember, Probolingo, Study of implementation Training on aspect , Palembang. on financial sustainability LST in business – at renewable energy and stage 4 social forestry. 3,183 Farmers “One Student One CSR BNI Account” program KUR recipients (sequent of “lets saving with waste” program) Communal Pens Rp18,795.5 millions Training on aspect LST in ( cows) business – stage 2 (basic 32 Total disbursement – intermediate) Business forum – Biogas Technology sustainable financial Capacity of 120 – 130 kg 39 About BNI 3Q2020 Royke Tumilaar* Adi Sulistyowati* President Director Vice President Director ▪ Presidentt Director, PT. (Persero) Tbk (2019 – 2020) ▪ MD – Service and Network, BNI (2020) ▪ MD – Corporate Banking, PT. Bank Mandiri (Persero) Tbk (2018 – 2019) ▪ MD – Insttituional Relation, BNI (2015 – 2020) Education: ▪ Network Management Division Head, BNI (2012-2015) ▪ Bachelor’s degree in Management from Universitas Trisakti Education: ▪ Master of Business Administration from University of Technology Sydney, ▪ Bachelor’s degree in Management from Universitas Krisnadwipayana

Novita Widya Anggraini* David Pirzada* MD – Finance [CFO] Silvano Winston Rumantir* ▪ SEVP Strategy & Performance Management, PT. Bank Mandiri MD – Risk Management MD – Corporate Banking (Persero) Tbk (2020) ▪ SEVP Wholesale Risk, PT. Bank Mandiri (Persero) Tbk ▪ MD – Finance and Strategy, PT. Bank Mandiri (Persero) ▪ SEVP Accounting, PT. Bank Mandiri (Persero) Tbk (2017 – 2020) (2018 – 2020) Tbk (2019 – 2020) ▪ Country Chief Risk Officer, Bank of Mitsubishi, ▪ SEVP Corporate Banking, PT. Bank Mandiri (Persero) Tbk Education: Jakarta (2015 – 2018) (2019) ▪ Bachelor’s degree in Accounting from Universitas Islam Indonesia Education: Education: ▪ Bachelor’s Degree in Electrical Engineering from ▪ Bachelor’s degree in Bachelor of Arts from University of Northeastern University, Boston, USA Oregon, USA ▪ Master Degree in International Business from Southern New ▪ Master’s degree in Finance from RMIT University, Hampshire UniversitY, USA Melbourne Australia Henry Panjaitan* Sis Apik Wijayanto MD – Treasury and International Muhammad Iqbal* Corina Leyla Karnalies MD – Institutional Relation MD – MSME (Micro, Small, Medium MD – Consumer Banking Banking ▪ MD- Institutional Reltion, PT. Bank Rakyat ▪ CEO Jakarta Senayan Regional Office, Enterprise) ▪ General Manager of Data Management Indonesia (Persero) Tbk (2017 – 2019) Division, BNI (2019) BNI (2020) ▪ MD – Consumer Banking, PT. Bank Rakyat ▪ SEVP Small and Medium Enterprise Banking, PT. ▪ CEO Jakarta BSD Regional Office, BNI Bank Mandiri (Persero) Tbk (2020) ▪ General Manager of Consumer Product Indonesia (Persero) Tbk (2016 – 2017) Management, BNI (2018) (2019 2020) ▪ MD-Funding and Network, PT. Bank ▪ SEVP Small, Medium Enterprise and Micro Risk, ▪ Head of International Business Division, Tabungan Negara (Persero) Tbk (2015 – PT. Bank Mandiri (Persero) Tbk (2017 – 2020) Education: BNI (2017 – 2019) 2016) Education: ▪ Bachelor’s degree in Physic from University of Indonesia Education: Education: ▪ Bachelor’s degree in Industrial Engineering from ▪ Bachelor’s degree in Management from ▪ Bachelor’s degree in Business Administration from Bandung Institute of Technology Universitas Brawijaya, Malang ▪ Master’s degree in Business Administration from ▪ Master’s degree in Management ▪ Master’s degree in Management from Universitas Monash University, Australia Accounting from Indonesia University Airlangga, ▪ Master’s degree in Commerce in Banking, University of New South Wales, Australia Ronny Venir* Bob Tyasika Ananta Y.B. Hariantono MD – Service and Network MD – Human Capital & Compliance MD – IT & Operation ▪ SEVP Network, BNI (2019 – 2020) ▪ MD – Treasury and International Banking, BNI (2019 – 2020) ▪ MD – IT, PT. Bank Mega (Persero) (2018 - 2019) ▪ SEVP Medium Business (2018 – 2019) ▪ MD – Risk Management, BNI (2018-2019) ▪ MD – Operations & IT, PT. Bank Mega ▪ MD – Planning & Banking Operation, BNI (2016) (Persero) (2014 - 2018) Education: ▪ MD – Operation and IT, BNI (2015) ▪ Bachelor’s degree in Husbandry from Padjadjaran University Education: Education: ▪ Master’s degree in Agribusiness from IPB University ▪ Bachelor’s degree in Accounting from ▪ Bachelor’s degree in Engineering from Institut Teknologi Sepuluh Nopember, Surabaya ▪ Master’s Degree in Business Administration from University of Oregon 41 * Waiting for OJK approval 3Q2020 Board of Commissioners

Agus Dermawan Wintarto Martowardojo President Commissioner/Independent Commissioner Pradjoto ▪ Independent Commissioner, PT Sarana Multi Infrastruktur (2019 –now) Vice President Commissioner/Independent Commissioner ▪ Governor of Bank Indonesia (2013 – 2018) ▪ President Commissioner, PT. Panah Perak Megasarana (2018 – now) ▪ Ministry of Finance, Republic of Indonesia (2010 – 2013) ▪ Vice President Commissioner, PT. (Persero) Tbk (2015 – 2018) Education: Education: ▪ Bachelor’s degree in Economics from University of Indonesia ▪ Bachelor’s degree in Law from University of Indonesia ▪ Banking in State University of New York ▪ Master of Economy from University of Kyoto, Japan ▪ Banking in Stanford University

Asmawi Syam Sigit Widyawan Septian Hario Seto Independent Commissioner Independent Commissioner Independent Commissioner ▪ President Commissioner, PT. ▪ Independent Commissioner of PT Jasamarga ▪ Acting Coordinating Deputy of Investment and Mining (2020) (Persero) Tbk (May – November 2019) (Persero) Tbk. (2015 – now) ▪ Special Staff of Coordinating Ministry of Maritime and ▪ President Director, PT. Jiwasraya (Persero) (August – ▪ Director of PT Roda Pembangunan Jaya (2003-2015) Investment Affairs (2018 – 2020) November 2019) Education: Education: ▪ President Director, PT. (Persero) ▪ Bachelor’s degree in Economic from Universitas ▪ Bachelor’s degree in Accounting from University of Indonesia (2015 – 2017) Negeri Sebelas Maret ▪ Master’s degree in International Finance from SKEMA Education: ▪ Master’s degree in Accounting from University of Business School ▪ Bachelor’s degree in Economic from Universitas Indonesia Hasanuddin, Makasar ▪ Master’s degree in Management from Padjadjaran University Iman Sugema Joni Swastanto Independent Commissioner Commissioner Ratih Nurdiati ▪ Dean of Faculty of Economy, IPB University ▪ Deputy Commissioner Strategic Management IIB, Commissioner ▪ Lecturer in Faculty of Economy, IPB University OJK (2015 – 2016) ▪ Director of Bank 3 Supervision Department, BI (2008) ▪ Vice secretary to the cabinet (2017 – present) ▪ Commissioner, PT. Bank Tabungan Negara (Persero) Tbk ▪ Deputy cabinet secretary for maritime (2015 – 2017) Education: Education: Education: ▪ Bachelor’s degree in Agribusiness from IPB University ▪ Bachelor’s degree in Economics from Gadjah Mada University ▪ Master’s degree in Economics from Colorado State University, ▪ Bachelor’s degree of Law from Universitas Jember ▪ Master’s degree in Economy from University of New England ▪ Master of Law from Canterbury University ▪ Docorate degree in Economy from The Australian National USA University ▪ PhD degree in economics from University of Indonesia

Susyanto Askolani Commissioner Commissioner ▪ Secretary of Ministry of State-owned Enterprises (2020 – now) ▪ Director General of Budgeting, Ministry of Finance (2013 -now) ▪ Head of ▪ Director of Non-tax State Revenue, Director General of Budgeting (2011-2013) ▪ Head of the Center for State Property Management at the Secretariat General of the Ministry Education: of Energy and Mineral Resources (2018 – 2020) ▪ Bachelor’s degree in Sriwijaya University ▪ Education: ▪ Master’s degree Arts Economics and Banking ▪ Bachelor’s degree in Law from Universitas Kediri from University of Colorado At Denver ▪ Master’s degree in Law from STIE IBLAM, Jakarta 42 3Q2020

Network and Distribution BNI’s Multiple Touch Points for Individual and Corporate Customers

Branchless Middle loan center Small loan center Consumer loan center Banking ATM Small loan unit (UKC) Outlets Employee (SKM) (SKC) (LNC) 3Q2020 (2.228) 3Q2020 (161.183) 3Q2020 (18.233) 3Q2020 (33) 3Q2020 (25) 3Q2020 (44) 3Q2020 (12) 3Q2020(26,940) 3Q2019 (2.247) 3Q2019 (130.803) 3Q2019 (18.570) 3Q2019 (33) 3Q2019 (25) 3Q2019 (44) 3Q2019 (12) 3Q2019(26.284) 2019 (2.245) 2019 (157.144) 2019 (18.659) 2019 (33) 2019(25) 2019 (44) 2019(12) 2018(27,803)

BNI has also entered into key arrangements with prominent companies for payment channelling, financing, loan Overseas offices New York (Apr 1983) distribution, and (Nov 1955) (Apr 1984) network/outlet (Apr 1963) (Dec 2015) Tokyo (Sep 1969) & (Dec 2012) (Feb 2016) development

Individual customer highlights Corporate/SME customer Highlights

61.5 million funding accounts 792,088 corporate deposit accounts 1.8 million credit cards 5,771 corporate loan accounts 2,453 medium loan accounts 200.089 mortgage customers 301,126 small loan accounts Platform for efficient and effective cross-selling of products and services

43 3Q2020 BNI Shares & Rating BBNI Shares Performance

BBNI’s closed price September 30, 2020 (Rp 4,440) was -39.59% Long Term Foreign Currency BBB-/Stable lower than September 30, 2019 (Rp 7,350) Long Term Local Currency BBB-/Stable Short Term Foreign Currency F3 ▪ Issued shares 18,648,656,458 shares Fitch Support Rating Floor BBB- ▪ Price [September 30, 2020] : Rp 4,440 [-59.3% YoY] [-43.43% YtD] Rating Support Rating 2 ▪ Market Capitalization : Rp 96.50 trillion [+/- US$ 6.4 billion] ViabilityRating bb+ BBNI Public Ownerships[40.00%] National Long Term Rating AA+/Stable National Short Term Rating F1+ Shareholder Shares Ownership

Foreign Institutions 3,182,365,649 42.7%

Domestic Institutions 1,986,167,356 26.6% Outlook Negative Retail Investors 822,664,735 11.0% Long Term Foreign Issuer Credit BBB- Holdings Below Threshold 690,774,149 9.3% Standard Long Term Local Issuer Credit BBB- Short Term Foreign Issuer Credit Others 452,357,670 6.1% & Poor's A-3 Short Term Local Issuer Credit Foreign Brokers 168,640,950 2.3% A-3 Employees etc. 73,069,252 1.0% Corporate Stakeholders 55,748,322 0.7% Domestic Brokers 22,549,700 0.3% Outlook Stable Hedge Funds 5,124,800 0.1% Bank Deposits Baa2/P-2 Moody's Baseline Credit Assessment Baa3 Ownerships Dec 18 Jun 19 Sep 19 Des 19 Mar 20 Jun 20 Sep 20 Adjusted Baseline Credit Assessment Baa3 Government 60.0% 60.0% 60.0% 60.0% 60.0% 60.0% 60.0% Counterparty Risk Assessment Baa2/P-2 RI Public - 11.2% 11.4% 15.0% 17.4% 16.5% 19.7% 18.4% Domestic Pefindo Corporate Rating AAA/Stable Public - 28.8% 28.6% 25.0% 22.6% 24.4% 20.3% 21.6% Foreign

44 3Q2020 E-Banking [Bank Only]

Mobile banking is set to become the dominant banking channel for customers Expanding the network of banking services to unbanked people thru Agen46

2018 2019 3Q2019 3Q2020 YoY 2018 2019 3Q2019 3Q2020 YoY Mobile Banking # Agent 111,836 157,144 130,803 161,183 23.2% #Us er (Th) 2,983 4,878 4,337 6,797 56.7% AgenFund (Rp Bn) 1,097 1,442 1,130 1,732 53.2% #Trx (Mn) 97 202 142 211 48.1% #Trx (Mn) 79 125 89 117 30.9% Volume (Rp Tn) 133 316 186 335 80.4% Volume (IDR Tn) 95 160 115 137 18.7% SMS Banking #Pandai Account (Th) 9,175 9,772 9,559 17,765 85.9% #Us er (Th) 9,820 10,865 10,719 11,613 8.3% BRANCHLESS BANKING BRANCHLESS Pandai Fund (Rp Bn) 636 771 698 10,221 1,365.0% #Trx (Mn) 504 660 480 498 3.8% Volume (Rp Tn) 51 41 30 24 -21.8% Reliable transaction platform to support the cashless society

E CHANNEL E Internet Banking 2018 2019 3Q2019 3Q2020 YoY #Us er (Th) 1,894 1,997 1,974 2,048 3.8% BNI Tap Cash #Trx (Mn) 28 30 21 20 -2.7% Volume (Rp Tn) 91 93 66 57 -13.2% #Card (Th) 4,545 6,342 6,008 7,349 22.3% ATM #Trx (Mn) 51 63 44 31 -29.6% #Trx (Mn) 1,289 1,475 1,089 1,124 3.2% Volume (Rp Bn) 807 1.371 873 801 -8.3% 668 689 520 465 -10.5% ACQUIRING Volume (Rp Tn) Acquiring (EDC + eCommerce)

ELECTRONIC ELECTRONIC & #Trx (Mn) 64 70 50 48 -2.9%

Volume (Rp Tn) 76 86 63 47 -25.6%

45 3Q2020 BASEL 3 and BNI Capital Realization 2013 2014 2015 2016 2017 2018 2019 BBNI Capital Realization 1 8% CAPITAL 2018 3Q2019 2019 3Q2020 Minimum 2 I Common Equity Tier I Capital (%) Capital 9% to < 10% based on 3 10% to < 11% Minimum Requirement 4.5 4.5 4.5 4.5 a Bank's Risk 4 and5 11% to < 14% BNI Realization & Projection 17.3 18.2 18.7 15.7 Profile II Tier I Capital (%) a1 Common Equity Tier 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% Minimum Requirement 6.0 6.0 6,0 6.0 1 Capital Minimum BNI Realization & Projection 17.2 18.2 18.7 15.7 a2 Tier 1 Capital 5.0% 6.0% 6.0% 6.0% 6.0% 6.0% 6.0% Minimum III Total CAR Based on Risk Profile + Add Buffers (%) Capital 1. BNI Risk Profile (Rating 2 Sound) 10 10 10 10 Conservation b 0.625% 1.250% 1.875% 2.500% Buffer (Buku III 2. Capital Conservation Buffer 1.9 2.5 2.5 0 and IV) *) 3. Countercylical Buffer 0% - 2.5% 0 0 0 0 4. Capital Surcharge for DSIB Bucket 1.1 1.5 1.5 1.5 Countercyclical Buffer c 0% - 2,50% **) (Applied to all bank) Minimum Requirement (%) 13.0 14.0 14.0 11.5 CAR BNI Realization & Projection (%) 18.5 19.3 19.7 16.7 Capital Surcharge for Risk Weighted Asset [bank only] d DSIB (Bank with 1% - 2,50% ***) systemic risk) 2018 3Q2019 2019 3Q2020

Minimum Tier 1 RWA - Credit Risk – Rp Tn 493,3 515,4 519,1 527,8 e Common Equity + a1 + b + c + d Additional Buffers RWA - Market Risk – Rp Tn 3,2 2,1 3,2 3,1

Minimum Tier 1 RWA - Operational Risk – Rp Tn 68,5 76,2 76,2 82,5 Capital based on f a + b + c + d Risk Profile + Total RWA – Rp Tn 565,0 593,8 598,5 613,4 Additional Buffers Total Capital – Rp Tn 104,3 114,8 118,1 102,7 Minimum Tier 1 Capital Buku I < Rp 1Tn ± up to USD 75Mn CAR - % 18.5 19.3 19.7 16.7 Buku II Rp 1Tn < Rp 5Tn ± USD 75Mn < USD375Mn *) POJK No. 34/POJK.03/2016, 26 Sep 2016 about Bank’s Minimum CAR Buku III Rp 5 Tn < Rp 30 Tn ± USD375Mn < USD2,3Bn **) The percentage was set by Bank Indonesia based on view of economy situatioan ***) Set by OJK Buku IV ≥ Rp 30 Tn ± ≥ USD2,3Bn 46 5 Years Financial Data 3Q2020 5 Years Financial Data (1) YoY YoY Balance Sheet - Rp Bn 2016 2017 2018 2019 3Q19 3Q20 Rp Bn % Total Assets 603,032 709,330 808,572 845,605 815,265 916,954 101,689 12.5% Placement with other Banks & BI 33,662 28,593 39,324 47,777 23,806 64,468 40,662 170.8% Marketable Securities [market value] 23,856 36,359 32,362 27,447 28,401 27,239 (1,162) -4.1% Government Bonds [market value] 63,006 79,849 86,791 81,029 82,099 85,551 3,451 4.2% Loan [Gross] 393,275 441,314 512,778 556,771 558,674 582,386 23,712 4.2% Third Party Fund 435,545 516,098 578,775 614,311 580,976 705,093 124,116 21.4% Deposit from other Banks 10,224 12,177 14,233 11,926 14,932 10,462 (4,470) -29.9% Marketable Securities Issued 7,227 3,482 3,087 3,085 3,087 3,085 (2) -0.1% Borrowings 32,965 44,722 52,025 57,236 44,847 48,049 3,203 7.1% Shareholder's Equity 89,254 100,903 110,374 125,004 121,274 112,934 (8,340) -6.9% YoY YoY Profit & Loss - Rp Billion 2016 2017 2018 2019 3Q19 3Q20 Rp Bn % Interest Income 43,766 48,176 54,139 58,532 43,592 42,031 (1,561) -3.6% Interest Expense (13,771) (16,238) (18,693) (21,930) (16,719) (15,384) 1,335 -8.0% Net Interest Income 29,995 31,938 35,446 36,602 26,873 26,647 (225) -0.8% Premium Income Net 1,342 1,768 1,712 1,697 1,288 996 (292) -22.6% Non Interest Income 8,174 9,308 9,615 11,358 8,132 8,714 582 7.2% Recovery 1,378 1,732 1,997 2,354 1,451 999 (453) -31.2% Operating Income 40,889 44,746 48,771 52,012 37,744 37,356 (388) -1.0% Operating Expense (18,806) (20,396) (21,783) (23,687) (17,200) (17,370) (170) 1.0% Pre-Provision Income 22,083 24,349 26,988 28,325 20,544 19,986 (558) -2.7% Provisioning (7,853) (7,126) (7,388) (8,838) (5,430) (13,977) (8,547) 157.4% Non Operational Inc/(Exp) 74 (57) 221 (118) (59) (74) (15) 24.8% Net Income Before Tax 14,304 17,166 19,821 19,369 15,056 5,936 (9,120) -60.6% Net Income 11,339 13,616 15,015 15,384 11,973 4,320 (7,653) -63.9% Net Income Per Share (full amount) 610 730 805 825 642 232 (410) -63.9% Earnings Per Employee (EPE) Rp Mn 380 490 552 565 439 174 (264) -60.2% 48 3Q2020 5 Years Financial Data (2) YoY Financial Ratios [%] 3Q19 3Q20 2016 2017 2018 2019 % CAPITAL Shareholders equity to total asset 14.8 14.2 13.7 14.8 14.9 12.3 (2.6) Tier I - CAR (include operational risk) 18.3 17.5 17.4 18.7 18.2 15.6 (2.6) Tier II - CAR (include operational risk) 1.1 1.1 1.1 1.1 1.1 1.1 (0.0) Total CAR (credit,market + operational risk) 19.4 18.5 18.5 19.7 19.3 16.7 (2.6) ASSET QUALITY Net Non Performing Loan 0.4 0.7 0.8 1.2 0.8 0.5 (0.2) Gross Non Performing Loan 3.0 2.3 1.9 2.3 1.8 3.6 1.8 Allowance for possible loan to gross NPL 146.0 148.0 152.9 133.5 159.2 206.9 47.6 RENTABILITY ROA 2.7 2.7 2.8 2.4 2.5 0.9 (1.6) ROE 15.5 15.6 16.1 14.0 14.7 5.4 (9.3) Net Interest Margin 6.2 5.5 5.3 4.9 4.9 4.3 (0.6) EFFICIENCY Cost to Income Ratio 44.0 43.9 42.5 43.9 43.6 44.2 0.6 LIQUIDITY Loan to Deposit Ratio 90.4 85.6 88.8 91.5 96.2 82.6 (13.6) COMPLIANCE Statutory Reserve Requirement (Rupiah) 6.8 6.6 6.5 6.7 6.0 5.0 (1.0) Net Open Position 3.4 2.5 2.0 2.4 2.0 2.5 0.5 DIVIDEND Dividend Payout Ratio [%] 35.0 35.0 25.0 25.0

49 3Q2020

Notes

50 PT Bank Negara Indonesia (Persero) Tbk. Investor Relations Group Corporate Secretary & Communications Division, BNI Building, 24th Floor Jl Jend Sudirman kav. 1 Jakarta 10220 T: 62-21-572-8449-8909-9279 F: 62-21-5728053

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PT. Bank Negara Indonesia (Persero) Tbk.