Corporate Presentation

Full Year - 2011

28 February 2012

PT Bank Negara Indonesia (Persero) Tbk < BBNI.IJ >

Agenda

Macro, Banking Sector & Management Focus 2011

Financial Perfomance FY-2011

Business Focus & Strategy

Page 2

Macro, Banking Sector & Management Focus 2011

Macro & Banking Sector

Resilience of Indonesias economy for 2012 will be supportive for the banking industry IDR exchange rate is expected to remain in the Rp 8,700Rp 9,200 range. The Nations foreign reserve is forecasted to reach USD 130 billion supported by higher investment activities driven by the nations investment climate, and recent up grade of its credit rating. Indonesias GDP Growth & Structure
6.10% 4.50% 6.10% 6.50% 6.50%

Inflation & BI Rate

BI Rate Inflasi YoY

6.5

6.5 6.33

5.75-6.25

2.83
Jun-09 Jun-10 Dec-08 Dec-09 Jun-11 Dec-10

4.5-5.5
Dec-11 2012F

1,1%

2.8%

1.7%

1.4%

1%

Reserves & Exchange Rates

14,000 12,000 11,375 108.0 8700-9200 81.0 54.0 27.0 Foreign Reserve USD Bio IDRvs USD

27,7%
8.4%

31%
10%

32%
9%

32%
9%

33%
9%

130

135.0

10,000 8,000

60.6%

59%

57%

55%

54%

6,000 4,000 2,000

Dec-11 2012F

2008

2009

2010 Govt Consumption GDP

2011

2012F Gross Investment

Jun-09

Jun-10

Dec-08

Dec-09

Private Consumption Net Export

Source: Bank Indonesia and BNI Estimate

Page 4

Dec-10

Jun-11

Macro & Banking Sector

Investment Grade rating helps support maintain economic activities and growth in 2012
Domestic & Foreign Direct Investment to Indonesia
19,467 Foreign Domestic 16,215

Despite slowing global economic growth, Indonesia s Trade balance will maintain a surplus
Indonesia Trade Balance (IDR Mio)
Export Import 204 158 177 136

14,871

in USD million

10,815

10,341

8,911 5,992

8,444

6,743

Page 5

4,573
2004

4,021

3,703

3,126

2,289

1,860

Source: BKPM and BPS

1,659

2005

2006

2007

2008

2009

2010

2011

2004

2005

2006

2007

2008

2009

2010

2011

Macro & Banking Sector

Banking Sector Highlights (IDR Trillion) Dec-08 Total Assets Total Loan Total Deposits NIM NPL LDR CAR
Source: Bank Indonesia

Loan vs. Deposit Growth and NIM [%] YoY 21.4% 24.6% 19.1% 0.18% -0.39% 3.50% -1.13%
30.5 19.1 10.0 18.5 22.8 12.5 24.6 19.1 5.7 5.6 5.7 5.9

Dec-09 2,534 1,471 1,973 5.6% 3.3% 74.6% 17.4%

Dec-10 3,009 1,766 2,338 5.7% 2.6% 75.5% 17.2%

Dec-11 3,653 2,200 2,785 5.9% 2.2% 79.0% 16.1%

2,311 1354 1753 5.66% 3.20% 77.2% 16.76%

2008

2009
Loan Growth

2010
Deposit Growth NIM

2011

Banking Sector Highlights: Assets of Indonesias commercial bank grew by 21.4% (yoy) in 2011. NIM rose 20bps from 5,7% to 5,9% due to high demand for loan in 2011. The 24.6% growth on Bank Loan in 2011 is the highest over the last 3 years. CAR showed a declining trend and at its lowest level at about 16.1% NPL improved by 0,4% to 2,2%

Page 6

Direction
Strengthening Financial Foundation
BNI Rights Issue The Biggest in Indonesia (~Rp 10,2 T) Global Capital Market fall US Govt bailout Banks, FI, Insurance and GM

Sustainable Financial Growth

Debt Crisis in Europe Tsunami Earthquake in Japan S&P downgrade rating US

Focus on: Consumer & Retail Banking: to be lifetime Banking Partner Business Banking: focus on leading Industries
8 TARGETED SECTOR

Oil Price $150 Liquidity Crisis Crisis Mgt Protocol

Whistle Blowing System

BNI Des2008:

CAR: 14,3% Tier-1: 10,3% NPL: 5,0% Coverage: 101% LDR: 68,6% Loan: Rp 112 T

BNI Des2009:

CAR: 13,8% Tier-1: 10,2% NPL: 4,7% Coverage: 120% LDR: 64,1% Loan: Rp 121 T

BNI Des2010:
CAR: 18,6% Tier-1: 16,6% NPL: 4,3% Coverage:121% LDR: 70,2% Loan: Rp 136 T
Grew 12%

BNI Des2011:

Sector [Rp Trillion] Agriculture Communication Electricity Retailer and Wholesaler Oil, Gas and Mining Engineering and Construction Food and Beverage Chemicals

Des 2010 9.3 4.7 7.5 21.0 7.1 7.5 6.1 3.8

Des 2011 10.9 3,9 8.5 23,3 11.9 8.2 6.7 4.5

Growth 17.3% -17.4% 13.7% 12.5% 67.9% 9.2% 8.7% 19.0%

CAR: 17.6% Tier-1: 15,9% NPL: 3,6% Coverage: 121% LDR: 70,4% Loan: Rp 164 T
Grew 20%

Grew 8%

Page 7

Strategic Policy 2011

2. 1.
Sharpening focus of the business portfolio segments especially in Business Banking and Consumer & Retail Banking

Continue to improve asset quality

3.
Sustainable Financial Growth

Aggressive growth on low-cost funding and Diversify fee based income

6.

Strengthen BNI Incorporated

4. 5.
Improve customer experience

Improve Operational Efficiency

Page 8

Progress to Date
Bank Only Strategic Focus Initiatives
focus on corporate credit expansion in 8 leading sectors Focus expansion of medium and small segments on the leading sectors in each region Focus expansion of consumer segment in the HNI, Affluent Families and Middle Income Families. Optimizing value-chain business between Business Banking and Consumer & Retail Banking.

Target by end of 2011

Loan Growth Corporate SME Consumer : 17% - 20% : 19% - 22% : 12% - 15% : 24% - 27%

Result by end of 2011

Loan Growth Corporate SME Middle Small Consumer : 19,1% : 17,9% : 18.2% : 16.5% : 31.3%

Result + + + +

Sharpening focus of the business portfolio segments

Continue to improve asset quality

Enhance loan process on separation between the functions of sales, risk, credit services and remedial & recovery Intensify the recovery and settlement of credit especially medium and small segments Improve the effectiveness of Remedial & Recovery units

Coverage ratio Recovery Gross NPL

: > 120% : IDR 2.2T : max 4,3%

Cov. Ratio : 121% Recovery : IDR 2.2T Gross NPL : 3.6%

+ + +

Aggressive growth on lowcost funding and Diversify fee based income

Encouraging the use of cash management services by increasing the types of transactional banking services offered Utilizing the existence of the branch network to increase sales of funding products by the sales force Speeding up the process of up selling and cross-selling to a captive customer bases Improving the relationship-based pricing and bundling solution

Total Deposit growth: 12% - 15% CASA Growth: 16% - 20% NIM : 5.5% - 6.0% ROA : above 2.0% ROE : above 20 %

Deposit growth : 18,8% CASA Growth : 28,5% NIM : 6.0% ROA : 2.9% ROE : 20%

+ + + + +

Page 9

Progress to Date
Strategic Focus Initiatives
Implementation of new business process that is more customer centric Centralized procurement activities Centralization of back office. Encouraging more customers to use low cost channel Optimizing the arrangement of outlets

Target by end of 2011

CIR BOPO : max . 50% : max. 80 %

Result by end of 2011

CIR = 49.8% BOPO = 72.6%

Result + +

Improve Operational Efficiency

Improve customer experience

Building a strong and permanent Client Service Team Sharpening the accuracy and completeness of the customer database Increasing capability of front liner to achieve service excellence which oriented to customer centric model Developing a more effective contact center Strengthening Subsidiaries Capital Strategic Alliance/Joint Venture with strategic investor for Subsidiaries

Service level : Top 5 among Indonesia Banks based on an independent surveyor

Rank 5

Strenghtening BNI

Subsidiaries Financial Growth

Incorporated

Profit/Loss Subsidiaries M BNI Sya : Rp 66 M BNI Sec : Rp -72 M BNI Life : Rp 5 M BNI Multi : Rp 3 M

+ + +

Page 10

Strategic Policy 2012

Synergize Business Banking with Consumer & Retail Banking Strengthening BNI Incorporated

Quality Asset Growth

Sustainable Financial Growth

Aggressive lowcost Funding Growth

Continously improve customer experiences Continue to Improve Operational Efficiency

Page 11

Increase Fee Income

Initiative & Target 2012

Strategic Policy Synergize Business Banking with Consumer & Retail Banking Initiative
Value chain between Business Banking and Retail Banking Customer to increase the number of quality customers. Boosting business volume and maximizing product usage through targeted cross-selling and bundling of products. Aggressively cross-selling to captive customers Loan expansion on selected segments and higher acceptable yield : Consumer Loan growth, by 28% on segments: HNI, Affluent families, middle income families, as well as property and consumer goods SME Loan growth by 17% - 19% on Leading sector on each region (based on business mapping) Corporate Loan growth by 17%, focused on 8 leading industry especially financing on Infrastructure Projects Strictly Reinforce Four Eyes Principal and implementation of proactive credit committee. Establish pricing strategy based on risk profile Leveraging on the existing multi channel and the additional planned 2000 ~ 2500 channels Re-invigorate Taplus Bisnis . Re-launch debit card no later than 3rd quarter 2012 Tap commercial segment for cash management product. Encourage utilization of e-channel

Target 2012
ROA : 2,9% - 3,1% ROE : 20% - 22%

Credit Growth : 18% - 20%

Business Banking : 17% - 19% Consumer & Retail : 25% - 27%

Quality Asset Growth

Coverage ratio: 120% - 125% Gross NPL : 2,5% - 3,5% Recovery : Rp. 1,6 T 1,9 T

Aggressive low-cost funding growth

DPK Growth : 13%-15% CASA Growth : 14%-15% CASA Ratio to Total Third Party Funding : 60% - 65%

Page 12

Initiative & Target 2012

Strategic Policy Increase Recurring Fee Income Initiative
Customer segment based repricing of fees and tarrifs Re-enforce customers obligation to channel their banking transaction. Centralizing operational activities to manage overhead costs Integration process by wide-spreading the present centralized back office Develop intensively e-channel to meet customer needs and to encourage the usage Eliminate waste Building a strong and permanent Client Service Team Continuously upgrade capability of front liners to attain customers satisfaction Strengthening customer data base through developing Enterprise Data Warehouse Enhancing contact centre to be more effective Strengthens Subsidiaries capital Strategic Alliance ; M & A ; or Joint Venture with strategic partners Strengthen business synergies within BNI family

Target 2012
Recurring Fee Growth : 8% - 10%

Continue to Improve Operational Efficiency

CIR

: 48% - 49%

Continously improve customer experiences

Service Level : Top 5 in the industry (Independent Surveyor)

Strengthening BNI Incorporated

ROE on total investment in Subsidiaries: 8% -10%

Page 13

Financial Performance FY 2011

I. Balance Sheet II. Profit & Loss III. Financial Ratio

Balance Sheet Highlight

[ Rp Billions ] Cumulative

2008
201.741 22.642 10.243 34.655 111.994 163.164 4.100 1.269 8.617 15.431

2009
227.497 38.153 19.516 31.040 120.843 188.469 3.819 1.262 5.570 19.143

2010
248.581 38.385 13.229 32.556 136.357 194.375 3.326 1.277 5.623 33.120

2011
299.058 49.328 7.668 36.958 163.533 231.296 7.019 265 8.726 37.843

Y.o.Y
20% 29% -42% 14% 20% 19% 111% -79% 55% 14%

Total Assets Placement with other banks & BI Marketable Securities Government Bonds Loans (gross) Customer Deposits Deposits from other Banks Marketable Securities Issued Borrowings Shareholders Equity
[market value]

[market value]

Page 15

Loan Composition
Loan Composition (%, Rp bn)
Segment 2009 2010 2011
GROWTH [YoY - %] Composition [%]

Loan by Currency (%)

20% 13% 14% 16%

Corporate Medium Small International Consumer Retail Subsidiaries TOTAL

40.716 27.415 22.953 4.734 18.514 3.245 3.266 120.843

49.127 24.371 25.625 5.723 23.939 4.001 3.571 136.357

57.595 28.806 29.854 7.092 31.418 3.311 5.458 163.533

17.1% 18.2% 16.5% 23.9% 31.3% -17.2% 52.8% 19.9%

35.2% 80% 17.6% 18.3% 4,3% 19.2%

11.0

87%

86%

84%

2008 IDR

2009 Non-IDR

2010

2011

Average Yield on Loan

12.4

11.9

11.0

2.0% 3,3% 100,0%

2008 2009 2010 2011

Page 16

Loan diversifications
Loans by Economic Sector
Sectors
Manufacturing Trading, Resto & Hotel Agriculture Business Service Constructions Transportation & Comm Social Services Mining Electricity, Gas & Water Others Consumer TOTAL LOAN [Rp Bn]

Consumer Loan Composition

2011
18.3% 16.7% 7.2% 9.5% 5.8% 5.9% 0.9% 7.5% 4.8% 4.0% 19.4% 163.533 Total Consumer Loan EOY 2011: Rp 31.4 Tn
BNI Griya 57% BNI Auto 21% BNI BNI Flexi Multiguna 2% 1% BNI Instan 1% Credit Card Others 13% 5%

2010
19.9% 17.4% 7.2% 9.3% 6.9% 6.9% 0.8% 5.4% 5.0% 3.6% 17.6% 136.357

Page 17

Marketable Securities
Marketable Securities Composition (%, Rp bn)
10.243
3.3% 12.9% 31.3%

Breakdown by Currency (%)

10.243 19.516 13.229 7.628

19.516
2.0% 8.2% 29.3%

13.229
4.7% 20.7%

7.668
0.0% 11.9%

13% 26% 27%

19%
Non-IDR IDR

44.7%

63.6%

Sovereign Banks Corporates BI Certificate

52.5%

60.5% 30.0% 24.5%

87% 74% 73%

2009 2010

81%

2008

2009

2010

2011

2008

2011

Strategy Overseas Branches to switch their non Indonesia Soverign portfolio to Indonesian securities only. BI Certificate has declined. Effective 2011, BI stopped this instrument

Book [%]
AFS: Available For Sale HTM: Hold To Maturity

AFS 47%

HTM 32%

Trading 21%

Page 18

Government Bonds
Book (Rp bn)
7,024 8,029 7,018
Hold to Maturity

Maturity [Rp bn]

14,976

7,864

11,059

26,709

22,889

25,163

29,860

Available For Sale

3,400
Trading

824
< 1 th 1 - 5 th 6 - 10 th 11 - 15 th

1,387
16 - 25 th

82 2008

121 2009

375 2010

74 2011

Breakdown by rate (%)

34.655 31.040 32.556 36.958

Breakdown by Currency (%)

34.655 31.040 32.556 36.958

5% 46% 52% 49% 44% 95% 54% 48% 2009

Fixed Rate Page 19

3%

9%

11%

97%

91%

51%

56%

89%

2008

2010
Variable Rate

2011

2008

2009
IDR

2010
Non-IDR

2011

Customer Deposit
By Type (Rp Bn)
163.164 188,469 194.375 231.296

By Currencies 16% 18% 16% 13%

36% 45% 41%

84%

82%
2009 IDR

84%

87%

42%

2008

2010 Non-IDR

2011

36%
Time Deposit Saving Current Account

32% 26%
2008

31% 24%
2009

34% 28%

Cost of IDR Customer Funding of IDR Customer Funding

4.7 4.2 3.6 3.5

25%
2010

2011

CASA

58%

55%

59%

64%

2008

2009

2010

2011

CASA increased significant [YoY] Rp 32,8 Trillion or 29%, whereas CASA Ratio 64%

Page 20

Liquidity & Capital

Loan to Deposit Ratio - Rupiah 72% 68% 65% 68% Loan to Deposit Ratio Foreign Currency 88% 63% 46% 88%

2008

2009

2010

2011

2008 Equity / Assets

2009

2010 13.3

2011

Tier 1 ratio and total CAR

CAR Tier-1

18.6 13.9 16.6

17.6 7.6 15.9 8.4

12.7

13.5

9.8 2008

10.1 2009 2010 2011

2008

2009

2010

2011

Cfm SE no. BI/11/3/DPNP dated January 27, 2009, RWA calculation for operational risk based on basic indicator approach, the capital charges for operational risk calculation () increase from 10% in 2010 to 15% in 2011.

Page 21

Profit & Loss Highlight

[ Rp Billions ]

2008 9.912 3.549 13.461 (7.228) 6.291 (4.359) 58 1.932 1.222 80

2009 11.133 4.295 15.428 (7.991) 7.437 (4.051) 58 3.444 2.484 163

2010
11.721 7.061 18.782 (9.643) 9.138 (3.629) (24) 5.485 4.102 266

2011
13.196 7.601 20.799 (11.134) 9.665 (2.421) 219 7.461 5.808 312

Y.o.Y
13% 8% 11% 15% 6% -33% ~ 36% 42% 17%

Net Interest Income Non Interest Income Operating Income Operating Expense Pre-Provision Income Provisioning Non Operational Income/(Expense) Net Income before Tax Net Income Net Income Per Share (full amount)

Page 22

Interest Income/Expense Composition

Interest Income Composition [Rp Bn]
16.628
0.0% 4.3% 6.0%

Interest Expense Composition [Rp Bn]

18.837
1.0% 3.9% 13.4% 2.5%

19.447
0.3% 2.9% 5.2%

20.692
1.4% 6.2% 2.8% 8.9%

6.716
0.8%

8.314
0.2%

7.117
0.2%

7.496
0.0%

4.3% 7.7% 3.3% 1.6%

3.3% 1.8%

4.7% 1.4%

16.3% 21.0%

93.8% 75.3% 79.2% 80.8% 88.3%

94.6%

93.9%

68.6%

30%

60%

2008
Others Placement

2009

2010

2011
Govt Bonds Loan

2008
Others

2009
Borrowing

2010
Marketable Securities

2011
Deposits

Marketable Securities

Page 23

Non Interest Income

Breakdown [%]
3.549
9.1%

Breakdown recurring fee vs non recurring fee

4.295
8.2%

7.061
5.5%

7.601
7.8%

1,328 1,821

1,038 1,712

961

1,837
3,015

21.5%

23.9%

25.8%

22.5%

2,951

6.1% 17.8% 9.9% 18.8% 2.5% 13.6% 55.7%

2010 13.7% 2.4% 18.7%

Insurance Premium Recovery

2011
Non Recurring Fee Recurring Fee

Breakdown recurring fee

Bank Trade Finance Transfer 6% Guarantee 7% 6% ATM 7%
Total = Rp 3.02 trillion

51.9%

Others 8%

34.9% 33.8%

Forex Gain 10%

2008

-4.0%

2009

2010

2011

Account Maintenance 36%

Provision & Commissions Forex Gain Recovery of Written Off Assets Page 24

Gain/Loss on Marketable Securities Insurance Premium Income Others

Card Business 20%

Operating Expense
Key highlights of OPEX compare to CIR Breakdown of OPEX [%]
Total = Rp 11,1 trillion
749 369 373 364 675 435 340 352 258 706 427 334 1,343 683 910
General & Administrative 31%

Personnel Expense 45%

1,022 4,127

5,042

Promotion Expense 6% Others 7% Underwriting Deposit Insurance Exp Guarantee 8% Fees 3%

3,299

3,460

Cost to Income Ratio [%]

53.7

2,273

2,312

2,761

3,380

51.8

51.3 49.8

2008
Others Promotion Exp Personel Exp

2009

2010

2011
2008 2009 2010 2011

Deposit Guarantee Fees Underwriting Insurance Exp G&A

Page 25

Financial Ratios [%]

2009 2010

2010

2011

CAPITAL Shareholders equity to total assets Tier I CAR

[2011 include operational risk]

8.4 10.1 3.8 13.9

13.3 16.6 2.0 18.6

13.3 16.6 2.0 18.6

12.7 15.9 1.7 17.6

Tier II CAR [2011 include operational risk] CAR (credit, market + operational risk) ASSET QUALITY Net Non Performing Loan Gross Non Performing Loan Allowance for possible loan losses to gross NPL

0.9 4.8 120.1

1.1 4.3 120.6

1.1 4.3 120.6

0.5 3.6 120.8

Page 26

Financial Ratios [%]

2009 2010

2010
2.5 24.7 5.8 76.0 51.3 70.2 8.2 4.4

2011
2.9 20.0 6.0 72.6 49.8 70.4 8.7 2.2

RENTABILITY *) ROA ROE Net Interest Margin EFFICIENCY BOPO Cost to Income Ratio LIQUIDITY Loan to Deposit Ratio COMPLIANCE Statutory Reserve Requirement (Rupiah) Net Open Position
*)

1.7 16.4 6.0

2.5 24.7 5.8

84.9 51.8

76.0 51.3

64.1

70.2

5.5 7.6

8.2 4.4

Based on BI Formula

Page 27

Asset Quality

PRE NPL SPECIAL MENTION Category

Rp Billion

Pre NPL Nett Ratio (%)

9.647 7,9% 1.113

1.250

9.639 994 7,3%

1.813

7.532 945
1.471 1.524

7.353 1.467
1.107 1.790

Consumer
2.371 Small 2.236

4,8%
Medium Corporate 4.913 4.596 3.592

4,4%
2.989

2005

2008

2009

2010

2011

Page 29

NPL BY COLLECTIBILITY
Rp Billion

5.596
4,96%

5.762
4,77%

5.686

5.704

4,28% 3,60%

3.278

3.895

3.458 4.697 720

790

609

1.528 2008

1.258 2009

1.508 2010

420

587 2011

NPL Ratio (%)

Coll 3 (Sub Standard)

Coll 4 ( Doubtful)

Coll 5 (Loss)

Page 30

NPL by Segment
11.9%

8.6%

8.2%

5,596
4.9% 3.8% 2.8% 1.3%

5,762

5,686

5,704
7.4%

4.6% 4.2% 3.3% 2.5% 1.8% 4.4% 2,6% 2.3% 1.4%

2008

2009

2010

2011

NPL [Rp M]

Corporate

Medium

Small

Consumer

Total Loan Gross NPL

111.994 5,0%

120.843 4,8%

136.357 4,3%

163.533 3.6%

Page 31

Movement NPL
Bank Only

3,492

3,326

4,165

4,241 2,792 2,774

5,596

5,762

5,686

5,704

2008

2009
NPL [Rp Bn]

2010
Write Off Net New NPL

2011

Page 32

COVERAGE RATIO
120.1% 120.6% 120.8%

101.0%

2008 NPL [Rp Bn] CKPN Coverage Ratio 5,596 5,652 101.0%

2009 5,762 6,920 120.1%

2010 5,686 6,858 120.6%

2011 5,704 6,888 120.8%

Page 33

Write Off & Recovery

Write Off 4,246 Recovery 4,449

3,331

3,025 2,179 2,176

555

742

2008

2009

2010

2011

2008
Write-off (Rp billion) Recovery (Rp billion) Recovery vs Write Off [%] 4.246 555 13,1%

2009
3.331 742 22,3%

2010
4.449 2.179 49,0%

2011
3.025 2.176 71.9%

Page 34

Business Banking
Focus and Strategy

Sharpening Focus of the Business Banking 2012

BNI as Main Operating Bank of targeted clients in all focused sectors.

LOAN
Focus on 8 national & regional targeted industries
along with its top players. concept.

SERVICES
Ensuring capabilities of cash management
solution provider in corporate and commercial segments for maximum business potentials. (i.e. e-Tax, Intraday Facility).

Synergy between division in value & supply chain Accelerating loan proposal process.

New solutions triggered by client service needs New Financial Supply chain solutions as response
for corporate and commercial clients needs.

DEPOSIT
To drive our productivity by enhancing current
account ratio.

Enhancing services to Capital Market Area: Custodian and Trustee Services Payment Bank since July 2011 Fund Separation Enhancing our roles and capabilities as superior Improving the Client Experience by monitoring
and measuring their satisfaction continuously.

Deepening our value proposition in all key major

corporate client targets to optimize business potential of debtors and commercial clients in their operating business and account in BNI.

financial service provider in targeted sectors and deliver innovative solutions for B2C clients.

Page 36

8 Targeted Sectors National & Regional

Agriculture

Communication

Electricity

Retail & Wholesalers

6-WSY 7-WMK

Oil, Gas & Mining

8-WDS 9-WBJ

Engineering &Construction

F&B

Chemical

Credit Approval of Targeted Sectors

1-WMD 2-WPD Jan-Dec 2011
Page 37

3-WPL

4-WBD

5-WSM

10-WJS 11-WMO 12-WJK

14-WJB

15-WJY

TOTAL

54,0%

72,1%

78,4%

63,9%

53,6%

57,0%

68,7%

68,6%

58,0%

67,1%

69,8%

69,4%

60,7%

46,0%

61,6%

Corporate Business
Working Capital & Investment Loan exc Loan Int [Rp Bn]
Working capital Investment

BNI Commitment on Basic Infrastructure Project [Rp Bn]

Plafond Outstanding

20,707 19,448 15,466 17,257 36,888 19,698 2008 2009 2010 2011
Constr. & Transp. 11,955 7,515 11,393

22,013

23,527

29,746

3,885

14,231
Powerplant

7,783
Telecommunication

14,441
Oil & Gas

Syndicated Loan [Rp Bn]

Syndicated Loan % Syndicated Loan to Total Corporate

Undisbursed Loan as of December 2011 [Rp Bn]

Corporate (exc Int)
11,462

Medium

Small

Total

10,370

10,592

116,255

5,679

29,854 28,806

15.2%

22.8%

19.3%

17.7%

57,595

22,030
2,589 5,503 13,938

2008

2009

2010

2011

Outstanding

Undisbursed Loan

Page 38

SME Business
Small Business [Rp Bn.]
Working Capital Investment

Medium Business [Rp. Bn]

Working Capital Investment

3,332 20,259

3,730 22,462

4,270

4,724 6,132 18,214 7,221 20,194 2009 6,367 18,004 2010 8,553 20,253 2011

25,356

25,130

2008

2009

2010

2011

2008

Kredit Usaha Rakyat (KUR) [Rp Bn.]

Medium Business Road Map Progress

Transformation Strategy Identified Problems & Cascaded Solutions Progress Implementation of credit committee Lower NPL (11,9% in 2010 decrease to 7,4% in 2011) High Growth of Net Expansion (-11,1% in 2010 become 18,2 % in 2011) 65.3% of new SME loans disbursed to focused industries Implementation of Lending Model of Heavy Equipment in Mining Industry Finalization lending model vessel financing in oil and gas industry.

3,618 1,002 2008 1,778 872 2009 2010 2011

Focus on 8 prioritized industries and main debtor on each region Customer Centric through lending model program (Oil & Gas, Mining, Vessels)

Page 39

Transactional Banking
Cash Management Clients & Transactions
Trx Items (000)
450

Current Account Business Banking

CA Average Balance (IDR Bn) 423
12,000 50,000

Trx Value (Rp Tn)

#clients

400 45,000 10,000

350

40,000 300 8,000

250

35,000

6,000

200

165
30,000 4,000

150

100

73
2,000

25,000

36,555
20,000

38,873 2010

44,435 2011

50

959
-

3,500

1,708

5,915

3,010

9,633
-

2009

2009

2010

2011

Custody Revenue and Asset

Revenue (Rp Mn)
30,000 29,000

Key Initiatives
Asset Under Management (Rp Bn)
50,000

Cash Management Optimize full potential of targeted clients Differentiated Product Solution through Innovation Phased branch service model roll out Strengthen and replicate Client Experience Model to become Best in Class Achieving Country Cash Management Awards

Custody Increasing assets under custody (AUC) Improving custody services delivery platform Enhancing delivery capabilities and service quality levels Regulatory compliance

38,300 34,750

43,307
45,000 40,000

28,000

35,000 27,000

30,000

26,000

25,000

25,000

20,000

24,000 15,000

23,000 10,000

22,000

24,284
21,000

28,686 2010

28,964 2011

5,000

2009

Consumer & Retail

focus & strategy

Sharpening Focus of the Consumer & Retail Banking LOAN

Focus on mortgage, credit card and auto

loan through multi finance channeling and BWU Increase sales capacity and processing capacity. Growing toward more upper market segment.

SERVICES
New Wealth Management/Priority Banking: New and well trainined relationship managers Business assistant and Concierge services Diversify fee based income: Bancassurance Investment Others services

Aggressive growth on low-cost funding

DEPOSIT

(current account and saving account/CASA). More aggressive penetration to private markets. Increasing E-Banking usage/transaction. Increasing value chain/bundling program.

Page 42

Consumer & Retail Business

Consumer Loan
Mortgage Loan [Balance Rp. Bn]
18,080 12,065 7,028 8,243 300 250 200 150 100 50 2008 2009 2010 2011 2008 2009
2008 Outstanding Growth yoy BNI Griya NPL (%) Marketshare (%) BNI Auto (Organik & unorganik) Outstanding Growth yoy NPL (%) Marketshare (%) 48% 2.70% 6.51% 41% 0.54% 5.53%

Average Booking Mortgage Loan/Account [Balance Rp.Mn]

264 192 135 156

2010
2009 17% 1.43% 6.66% 4% 0.20% 5.15% 2010 46% 2.13% 8.58% 31% 0.19% 4.83%

2011
2011 50% 1.85% 9.90% 4% 0.07% 3.97%

Auto Loan [Balance Rp.Bn]

6,217 4,601 4,869 6,493

Pembiayaan

2008

2009

2010

2011

Page 43

Grew Faster than Industry in All Key Business Indicators No of Card Issued
BNI (Mn) Share
15.0% 10.8% 11.1% 11.0% 10.6% 10.8% 11.2% 11.5% 11.8% 12.3%
5.63% 5.46% 5.44% 5.46% 5.46% 5.65% 5.85%

BNI Credit Card

Card Usage
15.7% 16.2%

BNI (IDR T)

Share YTD

6.90%

6.97%

7.12%

7.30%

5.38%

1.41 1.46 1.50 1.54 1.60 1.69 1.77 1.88 2.01 2.13 2.27 2.40
Q1 '09 Q3' 09 Q1 '10 Q3' 10 Q1'11 Q3'11 Q411

1.87 2.00 2.16 1.97 2.04 2.16 2.49 2.85 2.96 3.18 3.46 3.74
Q1 '09 Q3' 09 Q1 '10 Q3' 10 Q1'11 Q3'11 Q411

No of Transaction
BNI (Mio) Share YTD 7.8% 7.9% 8.0% 8.0% 8.1% 8.0% 8.0% 8.1%

Receivables
BNI (IDR T) Share 8.0% 8.5% 8.9% 9.2%

9.6%

7.6% 7.6% 7.6% 7.6%

7.5% 7.6%

7.3% 6.5% 6.6%

7.6% 6.9%

3.3
Q1 '09

3.4

3.7
Q3' 09

3.6

3.6
Q1 '10

3.9

4.2
Q3' 10

4.1

4.1
Q1'11

4.1

4.3

4.4

2.58 2.68 2.69 2.49 2.51 2.70 2.81 3.05 3.24 3.54 3.73 4.00
Q1 '09 Q3' 09 Q1 '10 Q3' 10 Q1'11 Q3'11 Q411

Q3'11 Q411

Source: Bank Indonesia, Dec -2011 Page 44

E-banking transactions
ATM Transactions
Volume (Rp Billions) Frequency (thousands)

SMS Banking Transactions

Volume (Rp Billions) Frequency (thousands)

48,488 40,211 32,464

389,953 305,307

286,292

2,171 2009

2,992 2010 Internet Banking Transactions

3,783 2011

Volume (Rp Billions)

Frequency (thousands)

3,694

141,061 2009

161,414 2010

284,404 2011
1,950 2,654

7,773 2009

10,393 2010

16,447 2011

Page 45

Consumer & Retail Business

Savings
Average CASA Balance [Rp Bn] Number of Individual Accounts [000] 56,402 62,414 77,054 12,812 11,276 2009 2010 2011

Average Balance Savings {Rp Bn] 72,180 52,620 58,250 2009 2010 2011 9,312

2009

2010

2011

Page 46

Consumer & Retail Business

Bancassurance
PREMIUM [Rp Bn]
1,290 92

FEE BASED INCOME [Rp Bn]

122 83

712

699

2009

2010

2011

2009

2010

2011

Premium
In Branch 7% Tele 10% AJK 9%
Performance BSK 74.2 %

Fee Base Income

In Branch 9% Tele 15%

Performance BSK

65.5%

Rp 1.290 Bn
BSK 74%

Performance BAN

17.0 %

Rp 122Bn
BSK 65% AJK 11%

Performance BAN

23.8%

Performance Crl

8.8%

Performance Crl

10.7%

Page 47

Consumer & Retail Business

Investment Business
Asset Under Management (AUM) [Rp Bn] 3,523 2,987 2,538 8.5 6.9 11.9 FEE BASED INCOME [Rp Bn]

2009 AUM Q4-2011

2010

2011

2009 FBI Q4-2011

2010

2011

Mutual Fund 22%

Mutual Fund 27% Bond 78%

- Bond : 2,737 B - Mutual Fund : 786 B

Total AUM 3,523 B

Total AUM 11,958 B

- Bond : 8,605 B - Mutual Fund : 3,232 B

Bond 73%

Page 48

Network & Services

Network & Services

Foot Print
Our Presence Our Progress

33 Provinces and 350 Districts 1.364 Outlets and 6.227 ATMs

Outlets

546
40 %

1.364

818
60 %

396
48% 12%

325
40%

97

Back Office Centralization

Operation Jakarta Lives 24/04/2011 FUNCTIONS : Operation Palembang Lives 10/10/2011 Operation Bandung Lives 26/09/2011 Operation Surabaya Lives 17/10/2011 Operation Semarang Lives 24/10/2011 Operation Medan Lives 05/12/2011

ATMs
2.136 34 %

6.227
4.091 66%

1.428 2.027
50% 34% 16%

636

Clearing Bank Guarantee Credit Administration Signature Verification System (SVS)

Back Office Centrali zation

Outside Java Java

Outside Jabodetabek DKI Jakarta Bodetabek

Page 50

Network & Services

Outlet & ATM
Outlets & ATMs Distribution by Category Branch, Sub branch, Cash Office

OUTLETs
106 (8%)
Outlets

ATMs
131 (2%)
ATMs

Where We Live

872 (64%)
Outlets

4.621 (74%)
ATMs

Where We Shop
OUTLET 2009 166 748 25 939 2010 167 878 18 1.063 2011 168 912 198 1.278

386 (28%)
Outlets

1.475 (24%)
ATMs

Branch Sub Branch Cash Office Total

Where We Work

Excl. Overseas Offices, Region Offices, Payment Point, Mobile Banking, Cash Mobile and Functional Offices

Page 51

Treasury & FI

TREASURY REGIONAL AREA

Rp Mn
Medan
(Mar 2007)

2
Pekanbaru (Des 2011)

8
Palembang (Des 2009)

Balikpapan (Feb 2009)

6 3
Bandung (Nov 2009)

Makassar (Feb 2008)

7
Semarang (Nov 2010)1 Surabaya (Jul 2004)

2010 TREASURY REGIONAL AREA VOLUME (USD) 1 2 3 4 5 6 7 MEDAN SURABAYA MAKASSAR BALIKPAPAN BANDUNG PALEMBANG SEMARANG 1,578,901,038 1,394,253,925 195,976,064 268,071,567 302,316,121 833,590,590 26,613,334 4,599,722,639 PROFIT (Rp. Jt) 4,737 4,183 1,960 3,217 3,023 3,334 319 20,773

2011 VOLUME (USD) PROFIT (Rp. Jt) 1,724,929,298 1,809,663,845 242,091,194 571,156,484 359,473,441 1,578,595,417 522,284,847 13,300,345 6,808,194,526 5,175 5,429 2,421 6,791 3,595 6,268 6,267 129 36,075

)* TRA Semarang open on Nov.2010. TRA Pekanbaru open on Des 2011

8 PEKANBARU Page 53 TOTAL

Marketable Securities
Marketable Securities (Rp bn)
9.874 19.198 13.181 7.668

Interest Income Composition (%)

7,384 9,213 3,968 2009

SBI

86%

65% 88% 87%

4,491 5,383 2008

11,814

5,786 1,882 2011

14%

35% 12% 13%

2010

2008
SR

2009
TR

2010

2011

Total Portfolio

Trend Reserve Composition (%, Rp bn)

9.874
22% 23%

Interest Income from Marketable Securities (Rp bn)

19.198
25% 29%

13.181
22% 33%

7.668
23% 38%

994

1,032 735 573

55%

47%

45%

39%

2008
TR
Page 54

2009
SR

2010
PR

2011

2008

2009

2010

2011

Government Bonds
Breakdown by portfolio (Rp bn)
34.655 31.040 32.556 34.223

Breakdown by interest rate (%, Rp bn)

34.655 31.040 32.556 34.223

7,864

8,029

7,018

7,024
Hold to Maturity

46%

52%

49%

45%

26,709

22,889 121 2009

25,163 375 2010

27,125

Available For Sale

Trading

54%

48%

51%

55%

82 2008

74 2011 2008 2009

Fixed Rate

2010
Variable Rate

2011

Trend interest rate (%)

20.0% 14.5% 14.5% 14.6% 14.3%

Interest Income from Government Bond [Rp bn]

15.0%

10.0%

11.5% 6.6% 6.4% 4.8%

3,500

3,174

5.0%

2516

1845

0.0% 2008 2009 FR Page 55 2010 VR 2011

2008

2009

2010

2011

Trade Finance
4 Trade Processing Centre (ISO 2001 : 2008) 33 Trade Marketing Representative Officers (MRO) in Business Central Area Web based Trade Application Services

Trade Finance Revenues

IMPORT EXPORT

[IDR Bio]

35%
143.7 106.2

The Best Trade Finance Bank in 2010 - 2011 in Indonesia *

Trade Finance Volume [USD Mio]

IMPORT EXPORT

125%
13,638

112.2

3%
6,876
157.2 162.4

5,289 2,986 4,878

2010

28%
6,195

95.0

2009

2010

2011

2009

2011

Despite of US and Europe crisis, BNI Trade Finance succes to manage sustainable growth in volume and revenue, achieving 2 years in a row as Best Trade Finance Bank in Indonesia*
* Alpha South East Asia Investor Magazines
Page 56

Remittance Business
REMITTANCE PERFORMANCE
Remittance Volume ITR - OTR (USD Millions)
33.663 17.749 35.229

PERFORMANCE ANALYSIS
Remittance Fee based (IDR Milyar)
198.5

25.465 26.974

182.8 168.8

17.913

8,6%

2009

2010
ITR OTR

2011

2009

2010

2011

Incoming Transfer (ITR) Moratorium Programs has minimum impact to the Incoming Transfer Remittance (ITR) transaction. The volume of ITR increases almost 32,18% against 2010. In term of Item, ITR increases 7,8%. The extensive collection point, extensive cash out point (paying agents), flexible & competitive pricing, effective promotion & CSR programs, and friendly customer service are the reasons. Outgoing Transfer (OTR) The Outgoing Transfer (OTR) transactions is also increasing. The volume of OTR is increasing 30,60% against 2010 and in term of item, OTR increases 8,8% More aggressive in marketing, package product pricing, and maintain Service Level quality are the factors.

Remittance Items - OTR (slip)

318,275 249,830 346,335

Remittance Items - ITR (slip)

2,027,021
2,186,284

1,796,593

8,8%

7,8%

2009

2010

2009 2011

AWARDS
2010 2011

Best Remittance providers Iin Southeast Asia 2009,2010 AND 2011 From Alpha South East Asia Magazine.

Page 57

Overseas Branches
Overseas Branches Loan Portfolio
In USD 000

Loan Concentration
In USD 000

Earning Assets Composition

In USD 000

795,210 598,620
246,487 (31%)

1,620,701 1,455,099
297,946 (18%) 167,830 (10%) 359,715 (22%) SECURITIES PLACEMENT 598,620 (41%) 795,210 (49%) BILL REC LOAN

518,743

Total Loan (795,210)

Offshore 319,722 (40%)

1,170,704
303,699 (26%)

339,117 (23%) 227,123 (16%) 290,239 (20%)

208,171 (40%)

342,788 (57%)

33%
548,723 (69%)

Indonesia Related 229,001 (29%) Asia 139,292 (18%) US 86,252(11%) Europe 20,944(3%)

107,881 (9%) 240,382 (21%) 518,743 (44%)

310,571 (60%)

255,832 (43%)

2009

4Q-2010

4Q-2011 INDONESIAN RELATED

2009 NON INDONESIAN RELATED

4Q-2010

4Q-2011

Overseas Branches Securities Portfolio

In USD 000

Securities Concentration
In USD 000 In USD 000

Fee Based Income

18,164 18,826 19,490

339,117 303,699 297,946

Total Securities (297,946)

203,882 (67%)

250,845 (74%)

173,908 (42%)

106,356 (36%) 17,681 (6%) 116,383 (39%)

ROI + Sukuk Bank & Corp. Indonesia Bank & Corp. Non Indonesia Priority Sovereign US Treasury Structured Products

10,664 11,386 13,662

99,816 (33%) 2009

88,272 (26%) 4Q-2010

124,037 (58%)

33,541 (11%) 9,110 (3%) 14,905 (5%)

7,440 4,503 2009 4Q-2010

8,826

4Q-2011

Overseas Branches FBI as of Q4-2011 increased by 3.53% (YoY) in line with strategy to increase recurring fees.

4Q-2011
INDONESIAN RELATED

GAIN & FX INCOME

COMM. INCOME

NON INDONESIAN RELATED

Page 58

Financial Institutions
Bridging The World & Indonesia
Domestic Correspondent (Indonesia)
Domestic Correspondent Value Chain
Suppliers, distributors, consumers

International Correspondent

Corporate, Medium & Small business

Dome stic Corres ponde nt

Key Products: -Global Trade -Loans -Global Payment -Other Services

Suppliers, distributors, consumers

Corporate, Medium & Small Clients

FI

International Correspondents Value Chain

BNI provides convenient access to the global market through the banks international network of 1577 correspondent banks in 82 countries including strategic partnership with various international institutions such as JBIC and Korean Ex-Im Bank to finance projects in Indonesia with Japan and Korean related components. To deal with the European crisis, BNI has set up traffic light policy on the correspondent banks limit. This policy is specifically designed to guide the business units in conducting their daily operations and take cautious action on the European exposure such as Greece, Portugal, and Ireland. Our key products vary from trade, loan, global payment, transactional banking and services to cater the Indonesia related businesses. Furthermore to provide a total solution to customer as a value chain creation BNI also quite active participating in oil & gas industry by providing bank guarantee based on counter guarantee issued by our correspondent banks with special pricing and flexible terms. To enhance yield, BNI is now active in the LC Refinancing & Risk Participations, and could act as buyer or seller

Interna tional Corres ponde nt

1577 BNI Correspondents

Financial Institution Performance (IDR Billion)
136,67%
20 10 0

353,33% 3

10,6 12

16,4

Forfeiting/LC Refinancing Target Des 2011

Counter Guarantee Result Des 2011

Page 59

About BNI

Senior Management Team

Gatot M. Suwondo
President Director/CEO Since February 2008 Previously: Vice President Director of BNI, MD of Bank Danamon

Felia Salim

Vice President Director/CRO Since February 2008 Previously: Independent Commissioner of BNI, Deputy Chairman - IBRA, Director, Jakarta Stock Exchange

Krishna R Suparto

Managing Director Business Banking Since February 2008 Previously: President Director of Barclays Securities, MD of Bank Danamon

Darmadi Sutanto

Managing Director Consumer Banking Since May 2010 Previously: Director of Retail Banking RBS

Ahdi Jumhari Luddin

Managing Director Compliance Since February 2008 Previously: Director, Banking Supervisory, Bank Indonesia

Yap Tjay Soen

Chief Financial Officer Since February 2008 Previously: Commissioner of Bank Mandiri & BNI, CFO of BII, various executive positions in Astra, Asia Food & Properties, Tuban Petro Chemical, & ANTAM

Sutanto

Managing Director Enterprise Risk Management Since May 2010 Previously: GM Risk Management Division, GM Training Division

Suwoko Singoastro

Managing Director Operation & IT Since February 2008 Previously: EVP Network & Operation, GM of Network Distribution Division

Honggo Widjojo Kangmasto

Managing Director Network and Services Since May 2010 Previously: MD Permata Bank, MD Indofood, EVP Bank Mandiri

Adi Setianto

Managing Director Treasury and Financial Institutions Since May 2010 Previously: GM Institutional Funding, GM Bancassurance

Sutirta Budiman

Chief Business Risk Officer Since September 2010 Previously: Commissioner of BNI Securities, CFO of Aneka Kimia Raya

BNI has been further enhancing its management through key hires with strong industry experience
Page 61

Board of Commissioners
Peter B. Stok
President Commissioner (Independent) Since May 2009 Previously: Commissioner Bank Permata, President Director Bank Niaga, President Director Bank Dagang Negara

Tirta Hidayat

Vice President Commissioner Since May 2010 Previously: Lecturer from University of Indonesia, Economic Deputy at Vice President office

Achil Ridwan Djayadiningrat

Commissioner (Independent) Since February 2008 Previously: Managing Director of BNI (Compliance and Human Resource)

Fero Poerbonegoro

Commissioner (Independent) Since February 2008 Previously Managing Director of BNI (Treasury & Private Banking) Managing Director of Bank BCA

Bagus Rumbogo

Commissioner Since May 2010 Currently: Advisor to the Ministry of State-Owned Enterprises

BS Kusmuljono

Commissioner (Independent) Since May 2010 Previously : Commissioner BRI, President Director of PT PNM

Ekoputro Adijayanto

Commissioner Since May 2010 Currently: Advisor for Ministry of State-Owned Enterprises Previously SVP Bank Mandiri

This transformation will only be made possible by our effective and experienced professionals

Page 62

BNI has a long track record in the Indonesian banking sector

Asset
Mandiri BRI BCA BNI CIMB Niaga Danamon Panin Permata BII BTN

Loan
BRI Mandiri BCA BNI CIMB Niaga Danamon Panin Permata BTN BII

Deposit
Mandiri BRI BCA BNI CIMB Niaga Danamon Panin BII Permata BTN

1946: BNI Established Indonesia Independence (17 August 1945}

1996 First stateowned bank, to go public

2000: Post-recap, The Government Owned 99.1% of BNI

2007: Secondary Offering, US$ 445mn new Tier-1 capital

Today: Government owns 60,0% of BNI

Compelling Brand Name 65 years history Network (over 1.369 outlets) including five overseas
branches Customer Base over 12 millions customers Stable and Strong Top Management team Strong ROE and ROA improvement trajectory

The most extensive distribution platform in Indonesia

The 4th largest commercial bank by asset size

Strong low-cost funding base with low LDR

Source: Bank Indonesia, SPI Dec 2011

Page 63

Network & Distribution

BNIs multiple touch points for individual and corporate customers
Mobile banking Call Center ATMs (6227) Outlets (1369) Consumer loan centers (58) Small business centers (245) Medium business centers (20)

Indonesia (1364 Outlets)

Overseas offices Singapore (Nov 1955) Hong Kong (Apr1963) Tokyo (Sep 1969) London (1987) New York Agency (Apr 1971)

BNI has also entered into key arrangements with prominent companies for payment channeling, financing, loan distribution, and network/outlet development

Individual customer highlights

13,1mn deposit accounts 2,4 mm credit cards 123.400 mortgage customers

Corporate/SME customer highlights

159.400 corporate deposit accounts 1.105 corporate borrowers accounts 102.220 SME lending accounts

Platform for efficient and effective cross-selling of products and services

Page 64

Offering leading products

Key asset and liability products
Credit Cards (Visa & Mastercard)
Launched in October 1997 Balance: Rp, 4 trillion # Applications: 95,000/month # of cards holder: 2,4 millions

Product Focus 2012

CREDIT & DEBIT Card to boost recurring fee

income Credit Card growth : > 20% Debit Card Transaction growth : > 20%

TAPLUS & Derivatives (Savings Product)

Launched in 1989 Balance: Rp, 118,3 trillion # Applications: 199.000/month # of accounts: 13.1 million

TAPLUS & Derivatives, [saving account] To balance CASA Non CASA composition Target growth 2012: > 15% BNI Griya [mortgage loan] with growth target in

BNI Wirausaha (Commercial)

Launched in 2007 Balance: Rp 3,15 trillion # of account: 22,000

2012 over 35%

BNI Wirausaha [small commercial loan size

US$5.000 US$100.000] with growth target 15%

Cash Management, more extensive acquisition

BNI Griya (Housing Loan)

Launched in 2005 Balance: Rp, 18,1 trillions # Applications: 5,000/month # of accounts: 123.400

and increased number of transaction

Trade Finance & Remittance, accelerate volume

through our overseas branches

Page 65

BNI ratings
2010 National long term rating Long term foreign & local currency Short term foreign & local currency Individual rating Subordinated debt Credit rating Long term issuer credit rating Subordinated rating Bank deposits fgn currency Bank deposits dom currency Bank Financial Strength Rating Outlook Corporate rating Bond 1 Subordinated AA+ (idn) BB+/Positive B C/D -BB-/Stable/B BB-Ba2 Baa3 DStable
idAA/Stable idAA/Stable --

2011 AA+ (idn) BBB-/Stable B C/D -BB/Positive/B BB -Ba2 Baa3 D Stable

idAA/Stable ---

Fitch Rating

Standard & Poor's

Moody's

Pefindo

Page 66

BNI Shares
BBNI shares performance BBNI Public Ownerships [40.00%]
Individual Domestic 5% Cooperation 0% Foundation 0% Pension Fund 4% Insurance 6% Institution Domestic 10%

Other Institution 0%

Institution Foreign 60% Individual Foreign 0%

Mutual Fund 15%

As of Dec 30, 2011

YoY BNI Shares, decrease 1.9% from 30 Desember10 (3875) to 30 Desember11 (3800)

Issued shares 18.648.656.458 shares Price [30 Desember 2011] : Rp 3,800,Market Capitalization : Rp. 70,9 trillion [+/- US$ 7,8 billion] BBNI add to MSCI Index since November, 2009

Ownerships
Government RI Public Domestic Public - Foreign

%
60.00% 15.80% 24.20%

Page 67

Accolades
Anugerah BUMN 2011
2010 Vision Awards Indonesia CSR Award 2011 Social Investment &
Sustainable Development
Penghargaan Platinum Category Social [from Menko Kesra RI]

Best of the Best BUMN Inovatif Terbaik from Kementrian BUMN

Gold Award for excellence within its industry on the development of the organizations AR from from League of Americans Communications Professionals

Sustainable Finance Awards

Category : Sustainable Bank of the year [from International Finance Corp & Financial times]

The Best Trade Finance Bank in Indonesia from from

Alpha South East Asia Magazine

The Best Bank in Service & Greatest Growth Mortgage

Loan from Property & Bank

Annual Report Award 2010

Rank 2 Category: General and BUMN Financial listed (from BI, Bapepam, IAI, Directorate of Tax, GCG Committee, Indonesia Stock Exchange) Perusahaan Penginspirasi Bumi, from Majalah Bisnis & CSR, The La Tofi School & CSR, DPD-RI) Berpredikat Sangat Bagus [from Majalah Infobank]

VISA Best Affinity Program 2011 from VISA International Social Media Award 2011 BNI Taplus Great Performing
Brand in Social Media, Category Saving Account from
Frontier Consulting Group, Majalah Marketing Marketing from Majalah Marketing

Indonesian Green Awards 2011 Info BUMN Awards 2011

Marketing Award 2011 Category : The Best Innovation in

Page 68

Thank you

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,

PT Bank Negara Indonesia (Persero) Tbk Corporate Communications Division, Investor Relations Group 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