Paparan Publik. Investor Summit & Capital Market Expo Gedung Bursa Efek Indonesia. PT Bank Negara Indonesia (Persero) Tbk < BBNI.

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Paparan Publik

Investor Summit & Capital Market Expo 2015

Gedung Bursa Efek Indonesia

PT Bank Negara Indonesia (Persero) Tbk

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• Perkembangan Bisnis

• Ikhtisar Kinerja Kuartal 3-2015

• Kinerja Keuangan Kuartal 3-2015

• Perbankan Bisnis & Konsumer

• Lampiran

– Tentang BNI

Agenda

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Perkembangan Bisnis

 BNI akan terus memperkuat dan mengoptimalkan fundamental keuangan

 Ditengah situasi yang sangat dinamis, BNI mencatat :

• Pertumbuhan Pinjaman 14.6%

• Pertumbuhan Dana Pihak Ketiga 13.3%

• Pertumbuhan pendapatan bunga bersih 14.1%

• Mempertahankan Margin Bunga Bersih (NIM) di 6,5%

 Progam efisiensi serta normalisasi cost of credit telah berhasil meningkatkan

profitabilitas

 Strategi penurunan jumlah kredit hapus buku diterapkan untuk meningkatkan

disiplin dan tanggung jawab para staff kredit serta peningkatan kualitas asset ke

depannya.

 Program Restrukturisasi yang lebih proaktif telah di tanda tangani oleh ribuan

nasabah

 Di tengah ketidakpastian situasi ekonomi, fundamental operasional kami tetap solid

dan kami tetap optimis dapat mencapai target-target utama kami.

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Ikhtisar Kinerja Kuartal 3-2015

2012 2013 2014 3Q2014 3Q2015 Y.o.Y A SS ET Total Asset (IDR miliar) 333,304 386,655 416,574 _408,047 456,463 11.9%

Pinjaman yang diberikan(IDR miliar) 200,742 250,638 277,622 _267,942 307,122 14.6%

Dana Pihak Ketiga(IDR miliar) 257,661 291,890 313,893 _308,327 349,437 13.3%

P &

L Pendapatan Bunga Bersih

(IDR miliar) 15,459 19,058 22,376 _16,394 _{18,704 14.1%}

Pendapatan Non Bunga (IDR miliar) 5,217 5,722 7,384 5,243 5,415 3.3%

Laba Bersih(IDR miliar) 7,046 9,054 10,783 _7,611 _{5,998 -21.2%}

Pr of ita bi lit y & Effi ci en cy NIM 5.9% 6.1% 6.2% 6.1% 6.5% ROE 20.0% 22.5% 23.6% 22.7% 16.1% ROA 2.9% 3.4% 3.5% 3.3% 2.5% CIR 49.5% 46.7% 43.8% 41.9% 43.4% BOPO 71.0% 67.1% 69.8% 70.6% 78.6% A ss et Q ua lity NPL (Kotor) 2.8% 2.2% 2.0% 2.2% 2.8% NPL (Bersih) 0.8% 0.5% 0.4% 0.5% 0.7% Coverage Ratio 123.0% 128.5% 130.1% 129.0% 139.6% Li qu id ity LDR 77.5% 85.3% 87.8% 85.7% 87.7% LDR – Rupiah 79.1% 85.6% 86.7% 85.7% 89.6% LDR - FX 68.7% 83.6% 94.5% 86.1% 79.2% Cap

ital Tier-1 CAR 15.2% 14.2% 15.3% 15.3% 14.7%

Total CAR 16.7% 15.1% 16.2% 16.2% 17.4%

Pag

e

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Kinerja Keuangan

Kuartal 3 - 2015

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Ringkasan Neraca

[Rp Miliar] 2012 2013 2014 3Q2014 3Q2015 Y.o.Y

Total Aset

333,304 386,655 416,574 408,047 456,463 11.9%

Penempatan pada bank lain & BI

32,621 23,475 14,530 19,893 26,086 31.1%

Surat berharga

[nilai pasar] 9,817 8,528 12,743 14,607 8,364 -42.7%

Obligasi pemerintah

[nilai pasar] 38,561 44,884 43,830 42,514 43,991 3.5%

Pinjaman yang diberikan

[kotor] 200,742 250,638 277,622 267,942 307,122 14.6%

Dana pihak ketiga

257,661 291,890 313,893 308,327 349,437 13.3%

Simpanan dari bank lain

3,245 3,185 3,177 3,620 3,779 4.4%

Surat berharga yang diterbitkan

4,769 6,037 6,158 6,055 7,793 28.7%

Pinjaman yang diterima

8,750 18,951 11,212 11,355 8,661 -23.7%

Ekuitas pemegang saham

43,525 47,684 61,095 57,874 63,637 10.0%

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Segmen 2012 2013 2014 3Q2014 3Q2015 Pertumbuhan [YoY - %] Komposisi [%]

Bu

si

ne

ss

Ba

nk

ing

Korporasi 40,064 68,385 72,874 69,553 80,420 15.6% 26.2% BUMN 32,171 43,849 46,841 48,291 54,230 12.3% 17.7% Menengah 35,730 30,722 40,324 38,304 46,380 21.1% 15.1% Kecil 37,611 41,582 40,374 39,038 38,943 -0.2% 12.7% SUBTOTAL 145,576 184,538 200,413 195,186 219,973 12.7% 71.6%

Co

ns

um

er

Griya 25,286 31,733 33,341 32,769 33,723 2.9% 11.0% Kartu Kredit 4,934 5,489 7,777 5,952 9,658 62.3% 3.1% Konsumer Lainnya 10,933 10,310 10,906 10,079 11,471 13.8% 3.7% SUBTOTAL 41,153 47,532 52,024 48,800 54,852 12.4% 17.9% Internasional 6,194 7,234 10,082 9,801 15,239 55.5% 5.0% Perusahaan Anak 7,819 11,334 15,103 14,155 17,057 20.5% 5.6% TOTAL 200,742 250,638 277,622 267,942 307,122 14.6% 100.0%

Komposisi Pinjaman yang Diberikan

Berdasarkan mata uang (%)

Komposisi pinjaman yang diberikan

[%. Rp Miliar]

Rata-rata Yield Pinjaman

(%) – Bank Only

10.6 10.2 10.9 _10.8 11.1 2012 2013 2014 3Q2014 3Q2015 87% _85% _85% 86% _84% 13% _15% _15% 14% _16% 2012 2013 2014 3Q2014 3Q2015 Non IDR IDR

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Kualitas Pinjaman – Bank Only

Corporate

1.9%

2.0%

1.5%

2.1%

1.2%

Overseas

4.3%

0.3%

0.0%

0.3%

Middle

3.7%

2.2%

3.0%

3.9%

5.8%

Small

4.6%

3.7%

4.0%

6.0%

5.4%

Consumer

4.6%

4.7%

4.3%

5.7%

6.5%

Total %

3.4%

2.8%

2.6%

3.6%

3.4%

Total (Rp Mn) 6,574

6,747

6,877

9,016

9,990

2012 2013 2014 3Q 2014 3Q 2015

Pra NPL berdasarkan Segmen

NPL berdasarkan segmen

Pergerakan NPL

Corporate

1.5%

1.2%

0.9%

1.3%

1.4%

Overseas

1.4%

1.7%

1.1%

Middle

4.0%

3.1%

2.6%

4.7%

Small

5.5%

5.3%

5.1%

5.6%

6.7%

Consumer

1.5%

1.2%

1.5%

1.7%

2.4%

Total %

2.8%

2.2%

2.0%

2.2%

2.8%

Total (Rp Mn)

5,484

5,198

5,151

5,665

8,222

3Q 2015 3Q 2014 2012 2013 2014 Page 8

5,152

8,222

5,257

105

160

267 1,655

Beginning Balance 2014

Downgrade Upgrade Installment Paid Off Write Off Ending Balance 3Q15

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3,169 3,126 3,552 2,528 1,655 2,038 2,396 2,051 1,287 994 64.3% 76.6% 57.7% 50.9% 60.0% 2012 2013 2014 3Q2014 3Q2015

Hapus Buku & Recovery

Write Off (Rp Bn) Recovery (Rp Bn) Recovery vs Write Off

5,484 5,198 5,151 5,665 8,222 6,746 6,679 6,703 _7,309 11,476 123.0% 128.5% 130.1% 129.0% 139.6% 2012 2013 2014 3Q2014 3Q2015

Coverage Ratio

NPL (Rp Bn) CKPN (Rp Bn) Coverage Ratio

Kualitas Pinjaman – Bank Only

2012 2013 2014 3Q 2014 3Q 2015

Hapus Buku(Rp Juta) 3,169 3,126 3,552 2,528 1,655

Recovery (Rp Juta) 2,038 2,396 2,051 1,287 994 Recovery Rate 64.3% 76.6% 57.7% 50.9% 60.0% 2012 2013 2014 3Q 2014 3Q 2015 NPL (Rp Bn) 5,484 5,198 5,151 5,665 8,222 CKPN (Rp Bn) 6,746 6,679 6,703 7,309 11,476 Coverage Ratio 123.0% 128.5% 130.1% 129.0% 139.6%

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Perkembangan Restrukturisasi Pinjaman

Page 10 955 933 1,060 977 2,541 444 497 797 2,203 4,070 4,715 4,933 5,031 6,688 8,227 6,115 6,370 6,888 9,868 14,838 3Q2014 2014 1Q2015 1H2015 3Q2015

Tipe Restrukturisasi Pinjaman

Extention of Loan Maturity, Reduction of Interest Rates and Others

Extention of Loan Maturity and Reduction of Interest Rates

Extension of Loan Maturity

62.3% 71.7% _59.0% _60.4% _56.2%

17.5% 9.8% 24.6% 21.4%

22.4% 20.3% 18.5% 16.4% 18.3% 21.4%

3Q2014 2014 1Q2015 1H2015 3Q2015

Kolektibiliti Pinjaman yang direstrukturisasi

NPL

Special Mention Pass

Jumlah Nasabah Bisnis Banking yang telah menandatangani perjanjian restrukturisasi di kuartal 3-2015:

 426 Nasabah kategori Pra NPL dengan total Rp 3,6 triliun

 125 Nasabah kategori NPL dengan total Rp 1,4 triliun

Jumlah Nasabah Konsumer yang telah menandatangani perjanjian restrukturisasi di kuartal 3-2015 :

 2304 Nasabah Kategori Pra NPL dengan total Rp 116 miliar

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Dana Pihak Ketiga

Berdasarkan Tipe

[Rp Miliar]

Berdasarkan Mata Uang (%)

Biaya Dana Pihak Ketiga

[%] – Bank Only

CASA meningkat Rp 21.6 triliun atau 11.3% Y.o.Y. sementara CASA Ratio menjadi 61%

2.7 2.4 3.2 3.2 _3.1 2012 2013 2014 3Q2014 3Q2015 87% _84% 86% 86% _82% 13% _16% 14% 14% _18% 2012 2013 2014 3Q2014 3Q2015

Non IDR IDR

Current

73,366

88,183

82,743

80,269

92,978

15.8%

Saving

100,083

111,800

119,779

110,936

119,874

8.1%

Time Deposit

84,212

91,907

111,371

117,122

136,585

16.6%

TOTAL

257,661

291,890

313,893

308,327

349,437

13.3%

CASA Ratio

67.3%

68.5%

64.5%

62.0%

60.9%

2012

2013

2014

3Q 2014

3Q 2015

YOY

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Ringkasan Laba - Rugi

[Rp Billion] 2012 2013 2014 3Q2014 3Q2015 Y.o.Y

Pendapatan Bunga

22,705 26,451 33,365 24,413 26,994 10.6%

Beban Bunga

(7,246) (7,392) (10,989) (8,019) (8,290) 3.4%

Pendapatan Bunga Bersih

15,459 19,058 22,376 16,394 18,704 14.1%

Pendapatan Premi Bersih

256 494 133 96 791 724.0%

Pendapatan Non Bunga

5,217 5,722 7,384 5,243 5,415 3.3%

Recovery

2,038 2,138 1,856 1,287 994 -22.8%

Pendapatan Opersional

22,971 27,412 31,748 23,021 25,904 12.5%

Beban Operasional

(11,805) (13,485) (14,760) (10,271) (11,957) 16.4%

Pendapatan Sebelum Provisi

11,166 13,926 16,988 12,749 13,947 9.4%

Pembentukan CKPN

(2,525) (2,708) (3,642) (3,308) (6,403) 93.6%

Pendapatan (Beban) Non Operasional

259 59 178 152 52 -65.8%

Laba Bersih Sebelum Pajak

8,900 11,278 13,524 9,593 7,596 -20.8%

Laba Bersih

7,046 9,054 10,783 7,611 5,998 -21.2%

Laba Bersih per Saham

(jumlah penuh) 378 486 578 408 322 -21.2%

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Account Maintenance 18% Debit Card Maintenance 3% Card Business 18% Marketable Securities 2% Forex Gain_5% ATM 14% Bank Guarantee 5% Trade Finance 5% Transfer & Bill

Payment 3% Remittance 2% Others 8% Bancassurance 5% Custody & Syndication 5% Services Fee 7%

Pendapatan Non Bunga

Breakdown Non Interest Income [Rp Billion]

Breakdown

[Rp Billion, %]

Breakdown recurring fee

5,217 5,722 7,384 5,243 5,415 60.5% 69.9% 68.1% 68.4% 78.0% 22.8% 9.4% 12.2% 11.4% 2.0% 3.9% 9.3% 9.4% 11.1% 11.9% 12.8% 11.4% 10.4% 9.1% 8.0% 2012 2013 2014 3Q 2014 3Q 2015 Others Column1

Forex Gain Provision & Commissions

Total = Rp 4,825 Billion

Recurring Fee 4,995 5,499 6,744 4,795 4,825 Non Recurring Fee 222 223 639 448 590 Total 5,217 5,722 7,384 5,243 5,415 2012 2013 2014 3Q 2014 3Q 2015

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49.5 46.7 43.8 41.9 43.4 2012 2013 2014 3Q2014 3Q2015

Beban Operasional

Ikhtisar Beban Operasional

[Rp Miliar]

Cost to Income Ratio – Bank Only [%]

Rental Expenses 22% Outsourcing 21% Communicatio ns 22% Depreciations 16% Repairs & Maintenance 10% Office Supplies 9%

Rincian Beban Umum & Administrasi

Total = Rp 4,033 Miliar 33.2% 33.7% 34.5% 34.8% 33.7% 47.3% _45.1% 45.9% 46.0% 45.9% 6.9% _6.9% _5.7% _5.2% _4.4% 3.9% 3.8% 4.0%0.7% 4.3%0.6% _3.8%1.2% 8.7% 10.5% _9.2% 9.2% _11.0% 2012 2013 2014 3Q2014 3Q2015

G&A Personel Exp

Promotion Exp Gtee Premium to LPS

OJK Fee Others

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Bisnis Korporasi

Berdasarkan Sektor Ekonomi

Sektor*) (Rp Miliar) 2013 2014 3Q2014 3Q2015 Pertum buhan Y.o.Y Kompos isi Manufaktur 32.412 36.625 32.339 48.232 49,1% 32,2% Perdagangan, Resto &

Hotel 8.499 7.462 7.465 9.008 20,7% 6,0% Pertanian 14.288 19.779 18.628 21.195 13,8% 14,1% Jasa-jasa Bisnis 12.715 13.283 13.827 13.567 -1,9% 9,1% Transportasi, Pergudangan & Komunikasi 14.652 14.921 16.036 16.744 4,4% 11,2% Konstsruksi 2.803 2.477 2.818 5.837 107,1% 3,9% Listrik, Gas & Air 12.346 13.682 15.856 15.571 -1,8% 10,4% Pertambangan 14.151 16.435 13.699 13.617 -0,6% 9,1% Jasa-jasa Sosial 1.054 1.392 1.528 1.425 -6,7% 1,0%

Lainnya 6.547 3.741 5.449 4.693 -13,9% 3,1%

Total Korporasi & BUMN 119.468 129.797 127.645 149.889 17,4% 100,0%

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71% 70% 70% 73% 69%

29% 30% 30% 27% 31%

2012 2013 2014 3Q2014 3Q2015 Berdasarkan Mata Uang Foreign Currency

Rupiah

64% 65% 62% 67% 61%

36% 35% 38% 33% _39%

2012 2013 2014 3Q2014 3Q2015 Berdasarkan Penggunaan Investment

Working Capital 23% 26% 23% 30% 29% 25% 26% 27% 23% 19% 21% 19% 19% 17% 17% 15% 17% 17% 16% _19% 15% 13% 15% 14% 16% 2012 2013 2014 3Q2014 3Q2015 Infrastructure Loan (Rp Billion)

Telecommunication Transportation Toll Road & Construction Oil & Gas Power Plant

*) termasuk internasional

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Bisnis Menengah & Kecil

69% 70% 72% 69% 70% 31% 30% 28% 31% 30% 84% 85% 85% 84% 84% 16% 15% 15% 16% 16% 2012 2013 2014 3Q2014 3Q2015 Berdasarkan Penggunaan

Investment Small Working Capital Small Investment Medium Working Capital Medium

5,622 4,821 3,985 4,091 2,699 103 114 101 108

65

2012 2013 2014 3Q2014 3Q2015 Kredit Program Pemerintah

Govt. Program (Rp Bn) Customers (000)

24 19 23 23 Medium (Rp Billion); 24 290 291 312 279 Small (Rp Million); 403 2012 2013 2014 3Q2014 3Q2015 Saldo Rata-rata per Debitur

Berdasarkan Sektor Ekonomi Sektor (Rp Miliar) 2013 2014 3Q2014 3Q2015 Pertum buhan Y.o.Y Kompos isi Manufaktur 13.202 15.507 15.017 16.770 11,7% 19,7% Perdagangan, Resto &

Hotel 30.817 33.940 32.017 34.966 9,2% 41,0% Pertanian 4.302 4.321 4.369 4.381 0,3% 5,1% Jasa-jasa Bisnis 7.475 8.652 8.220 9.741 18,5% 11,4% Transportasi, Pergudangan & Komunikasi 4.229 5.239 4.940 5.247 6,2% 6,2% Konstruksi 6.812 6.800 6.641 7.528 13,4% 8,8%

Listrik, Gas & Air 436 532 518 806 55,5% 0,9%

Pertambangan 1.509 1.949 1.778 1.790 0,7% 2,1%

Jasa-jasa Sosial 3.497 3.730 3.818 4.052 6,1% 4,7%

Lainnya 23 29 23 42 80,4% 0,0%

Total Menengah & Kecil 72.304 80.699 77.342 85.323 10,3% 100,0%

Small

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Bisnis Konsumer

2.0 1.4 1.9 1.8 2.9 2.3 2.3 _2.2 1.6 2.6 0.6 0.1 0.5 _0.5 0.5 2012 2013 3Q 2014 2014 3Q 2015 NPL berdasarkan produk(%)

Mortgage Credit Card Auto

Produk (Rp Miliar) 2012 2013 2014 3Q2014 3Q2015 Pertumbu han [YoY - %] Komposisi [%] Griya 25,286 31,733 33,341 32,769 33,723 2.9% 61.5% Kredit Kendaraan 6,665 5,821 6,041 5,421 5,486 1.2% 10.0% Kartu Kredit 4,934 5,489 7,777 5,952 9,658 62.3% 17.6% Multi Guna 174 138 82 97 62 -36.1% 0.1% Cash Collateral 709 665 576 558 545 -2.3% 1.0% Gaji 830 926 1,265 1,135 2,353 107.3% 4.3% Lainnya 2,555 2,760 2,942 2,868 3,025 5.5% 5.5% Total Konsumer 41,153 47,532 52,024 48,800 54,852 12.4% 100.0%

Pada 2015, Bisnis Konsumer akan

fokus pada

1. Griya, Kartu Kredit dan gaji (BNI

Flexi)

2. Meningkatkan volume transaksi

melalui optimalisasi e-channel

3. Menjaga NIM dan NPL

Page 18 11,874 13,037 10,139 9,731 10,724 1,725 1,616 1,650 _1,610 1,656 4,673 6,757 9,938 7,293 8,331 17,856 20,228 24,716 16,441 24,036 2012 2013 2014 3Q2014 3Q2015

Kinerja Kartu Debit & KartuKredit

Credit Card Accts (000) Debit Card Accts (000) DC Trx Vol (Rp Bn) CC Trx Vol (Rp Bn) 42,678 56,272 71,007 67,557 83,483 27,370 33,006 36,638 26,442 26,462 2012 2013 2014 3Q2014 3Q2015 Merchant Business

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E-Banking

Pendapatan E-Banking

adalah salah satu

penyumbang pendapatan

non bunga yang utama

424 552 793 530 817 12 13 14 3Q14 3Q15

Total Pendapatan Fee yang terkait dengan

E-Banking (Rp Billion) 3.2 3.5 4.7 4.6 5.2 12 13 14 3Q14 3Q15 SMS Banking #User (million) 655 ₆₁₁ 820 739 992 12 13 14 3Q14 3Q15 Internet Banking #User (000) 501 619 750 533 626 12 13 14 3Q14 3Q15 ATM #Transaction (Million) 91 134 185 131 184 12 13 14 3Q14 3Q15 SMS Banking #Transaction (Million) 6 9 14 10 14 12 13 14 3Q14 3Q15 Internet Banking #Transaction (Million) 287 350 424 336 391 12 13 14 3Q14 3Q15 ATM #Trx Value (Rp Triliun) 7 17 18 13 18 12 13 14 3Q14 3Q15 SMS Banking #Trx Value (Rp Triliun) 25 38 53 38 50 12 13 14 3Q14 3Q15 Internet Banking #Trx Value ( Rp Triliun) 8.2 11.2 14.1 11.4 14.2 12 13 14 3Q14 3Q15 ATM #ATM (000)

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Terima Kasih

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: 62-21-5728449

F: 62-21-5728053

E: investor.relations@bni.co.id

Disclaimer: This report has been prepared by PT Bank Negara Indonesia (Persero) Tbk (Bank BNI) independently and is circulated for the purpose of general information only, It is not intended to the specific person who may receive this report, The information in this report has been obtained from sources which we deem reliable, No warranty (expressed or implied) is made to the accuracy or completeness of the information, All opinions and estimations included in this report constitute our judgment as of this date and are subject to change without prior notice, We disclaim any responsibility or liability without prior notice of Bank BNI and/or their respective employees and/or agents whatsoever arising which may be brought against or suffered by any person as a result of acting in reliance upon the whole or any part of the contents of this report and neither Bank BNI and/or its affiliated companies and/or their respective employees and/or agents accepts liability for any errors, omissions, negligent or otherwise, in this report and any inaccuracy herein or omission here from which might otherwise arise,

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Direksi

Page 22

Achmad Baiquni

Direktur Utama Sebelumnya: Direktur Keuangan BRI, Direktur BNI

Suprajarto

Wakil Direktur Utama Sebelumnya: Direktur BRI

Rico Budidarmo

Direktur Keuangan Sebelumnya: Direktur BTN

Herry Sidharta

Direktur Business Banking 1 Sebelumnya: Direktur JAMKRINDO

Sutanto

Direktur Business Banking 2 Sebelumnya: Direktur BNI

Adi Sulistyowati

Direktur Jaringan dan Layanan

Sebelumnya: GM Divisi

Jaringan, Pemimpin Wilayah BNI

Anggoro Eko Cahyo

Direktur Konsumer Sebelumnya: GM Divisi SDM, Pemimpin Wilayah BNI

Bob Tyasika Ananta

Direktur Operasional & IT Sebelumnya: GM Strategic Planning, GM Divisi International

Imam Budi Sarjito

Direktur Kepatuhan & Risk Mgt Sebelumnya: GM Divisi Risk

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Komisaris

Pradjoto

Wakil Komisaris Utama

Sebelumnya: Komisaris Bank Mandiri 2005-2015

Daniel Theodore Sparringa

Komisaris

Saat ini juga : Dosen di Universitas Airlangga, Surabaya

Kiagus Ahmad Badaruddin

Komisaris

Saat ini: SekJend Departemen Keuangan

Anny Ratnawati

Komisaris Independent Sebelumnya: Wakil Menteri Keuangan, 2010-2014

Jos Luhukay

Komisaris Independent Sebelumnya : Wakil Presiden Direktur Bank Danamon

Zulkifli Zaini

Komisaris Independent Sebelumnya: Direktur Utama Bank Mandiri, Komisaris of PLN

Revrisond Baswir

Komisaris Independent Saat ini: Kepala Pusat Study Populasi Ekonomi, Universitas Gadjah

Mada, Komisaris PTPN XI

Pataniari Siahaan

Komisaris

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Jaringan & Distribusi

Multi point contact untuk nasabah Individual dan Korporasi

Ikhtisar Nasabah Perorangan

15,5 juta rekening simpanan 1,7 juta kartu kredit

161.083 nasabah kredit perumahan

Ikhtisar Nasabah Korporasi / UKM Mobile

banking Call Center

Sentra Kredit Konsumen (12) ATMs (14.219) Outlet (1795) Sentra Kredit Kecil (58) Sentra Kredit Menengah (24) Indonesia (1789 Outlet)

Cabang Luar Negeri Singapore (Nov 1955) Hong Kong (Apr1963)

Tokyo (Sep 1969) & Osaka (2013) London (1987)

New York Agency (Apr 1971)

BNI telah melakukan kerjasama dengan perusahaan terkemuka untuk penyaluran pembayaran, pembiayaan, penyaluran kredit, dan pembangunan jaringan / outlet

Dasa untuk melakukan efisiensi dan melakukan Efektif cross-selling produk dan layanan

383.752 rekening simpanan korporasi 1.926 rekening pinjaman korporasi 124.037 rekening pinjaman UKM

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Rating BNI

2007

2015

Fitch Rating

National long term rating

Long term foreign & local currency

Short term foreign & local currency

Individual rating

Subordinated debt

AA- (idn)

BB/Stable

B

D

BB-AA+ (idn)

BBB-/Stable

F3

WD

--Standard & Poor's

Credit rating

Long term issuer credit rating

Subordinated rating

BB-/Stable/B

BB-B

BB/Positive/B

BB

--Moody's

Bank Deposits

Senior Unsecured

Bank Financial Strength Rating

Outlook

B1

Ba2

D-Stable

Baa3

D+

Stable

Pefindo

Corporate rating / Outlook

Bond 1

Subordinated

id

AA-/Stable

id

AA-/Stable

id

A+/Stable

id

AAA/Stable

(26)

--Saham BNI

Kinerja Saham BBNI Kepemilikan Saham Publik BNI [40.00%]

Saham BNI per 30 September 2015 (Rp 4,135) turun 25.1% dari posisi 30

September 2014 (Rp 5,525) Kepemilikan %

Pemerintah RI 60.00% Publik – Domestil 13.00% Public - Asing 27.00%

Per September 2015



Saham yang beredar 18.648.656.458 lembar saham



Harga [30 September 2015] : Rp 4,135



Kapitalisasi Pasar : Rp. 77.1 triliun [+/- US$ 5,7 miliar]

Page 26 Perorangan Dalam Negeri 5% Koperasi 0% Yayasan 0% Dana Pensiun 3% Asuransi 6% Bank 0% Lembaga – Dalam Negeri 7% Lembaga Lain 0% Reksa Dana 12% Perorangan Asing 0% Lembaga Asing 68%