SectionContinuously and Sustainably Achieving Growth

Corporate PresentationFull Year 2009

PT Bank Negara Indonesia (Persero) TbkPT Bank Negara Indonesia (Persero) Tbk

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

Page 0Page 0

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 andestimations 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 employeesand/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 affiliatedcompanies 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,

Page 0

Agenda

Management Focus & Progress to datel2009 Strategic Policy

Summary Results

Financial PerformanceIncome Statement, Balance Sheet, Financial Ratio

Business Units

Risk Profile

Strategic Policy 2010

BNI in brief

17-Feb-10 Page 1

Board of Commisioners

Achjar IljasC i i

Achil Ridwan DjayadiningratCommissioner Since February 2008Previously: Managing Director of BNI 

( l )Commissioner (Independent) Since January 2004

Previously: Deputy Governor of Bank Indonesia

H,M,S LatifCommissionerSince May 2005

Previously President

(Compliance and Human Resource) 

Peter B, StokPresident Commissioner (Independent) Since 27 May 2009

Previously: Commissioner Bank P t P id t Di t

Previously President Director of PT Bank Syariah Ikhwanul Ummah

Parikesit SupraptoPermata, President Director Bank Niaga, President Director Bank Dagang Negara

Fero PoerbonegoroCommissioner

Commissioner Since May 2007Currently Deputy  Minister for Banking, Financial Services and Construction Sector, Ministry of SOE  

SuwarsonoVice President Commissioner (Independent) Since July 2005

Previously: Commissioner to 

Since February 2008Previously Managing Director of BNI [Treasury & Private Banking] Managing Director of Bank BCA

PT Bank KesejahteraanEkonomi

Page 2

Board of Directors

Ahdi Jumhari LuddinManaging Director (Compliance)

Since February 2008Previously: Director, Banking 

Achmad BaiquniManaging Director (SME & 

Sharia)Since Dec 2003 P i l MD f C t

Krishna R SupartoManaging Director 

(Corporate) Since February 2008

P i l P id t Di tSupervisory, Bank IndonesiaPreviously: MD of Corporate Banking,, MD of Consumer Banking, 

Previously: President Director of Barclays Securities, Managing Director of Bank Danamon

Gatot M, SuwondoPresident Director/ CEO, 

Since February 2008Previously: Vice President 

Director of BNI Managing

Yap Tjay SoenManaging Director / CFO 

Since February 2008Previously: Commissioner of 

Bank Mandiri & BNI, Director‐CFO of BII, various

Bien SubiantoroManaging Director (Intl, 

&Treasury) Since Dec 2003Previously: MD of SME & Sharia

Business, MD of Risk Mgt, G H d f O Director of BNI, Managing 

Director of Bank Danamon, 

Felia Salim,

Director CFO of BII, various executive positions in Astra, Asia Food & Properties, Tuban Petro Chemical, & ANTAM

Suwoko Singoasto

Group Head of Overseas Network Bank Mandiri

Darwin Suzandi Felia Salim, Vice President Director &  CRO

Since February 2008Previously: Independent 

Commissioner of BNI, Deputy Chairman ‐ IBRA, Director, Jakarta Stock 

gManaging Director 

(Operation) Since February 2008

Previously: EVP Network & Operation, GM of Network Distribution Division

Managing Director (Consumer)

Since February 2008 Previously: GM of Network 

Distribution, GM of HR Division

Exchange

Page 3

BNI Shares

BBNI Latest Movement BBNI Public Ownerships [23.64%]

KOPERASI 200,000,000 2,500

V l P i

INDIVIDUAL -DOMESTIC

14.7%

KOPERASI 0.0%

FOUNDATION0.7%

PENSION FUND 5.6%

INSTITUTION -FOREIGN

37 4%

2,125 1,980

1,930

120,000,000

140,000,000

160,000,000

180,000,000

1,500

2,000

Volume Price

INSURANCE 14.8%

CUSTODIAN BANK 0.1%

INSTITUTION -DOMESTIC

14.9%

MUTUAL FUND 11.6%

INDIVIDUAL -FOREIGN

0.1%

37.4%

680 40,000,000

60,000,000

80,000,000

100,000,000

500

1,000

As of Jan 31, 2010

Up 212% from 31 December ‘08 (680)Up 212% from 31 December ‘08 (680)

OTHER INSTITUTIONS

0.0%-

20,000,000

-Dec-08 Feb-09 Mar-09 Apr-09 Jun-09 Jul-09 Aug-09 Sep-09 Oct-09 Dec-09 Jan-10

Issued shares  15,273,940,510 sharesPrice [Dec 30, 2009] : Rp 1.980,‐M k t C it li ti R 30 2 t illi [ / US$ 3 3 billi ]

Up 212% from 31 December  08 (680) Up 212% from 31 December  08 (680) to 30 Dec (1980)to 30 Dec (1980) Ownerships %

Government RI 76.36%Public – Domestic 14.96%

%Market Capitalization : Rp, 30.2 trillion [+/‐ US$ 3.3 billion]BBNI add to MSCI Index since November, 2009

Public - Foreign 8.68%

Page 4

SectionManagement Focus & Progress to date

Page 5

2009 STRATEGIC POLICY

1. Focus on Asset Quality

7. Spin Off and/or Joint Venture Initiative

2. Low‐cost Funding

Strengthening Strengthening FinancialFinancial

Venture Initiative

3. Increase Fee‐BasedFinancial Financial FoundationFoundation

3. Increase Fee Based Income

6. Strengthen Tier‐1 Capital

5. Improve Profitability4. Improve Efficiency

5. Improve Profitability

Page 6

Summary Result FY 2009

1. Asset Quality NPL 4,7%, Coverage 120%, Recovery Rp 893 billion +2. Low Cost Fund CASA grew 10% +

3. Fee Income Fee Income Rp 4,3 Trillion +4. Efficiency Cost to Income Ratio 51.8% +

5. Tier-1 Capital Tier-1 : 10,2%, CAR : 13,7% +

y +

6. Profitability NIM 6,0%, Net Income Rp 2,484 Bn, ROA 1,7% ROE: 16,4% +7. Spin Off / JV Shareholder approved Spin off Sharia on Oct 2009. +

Page 7

Summary Result FY‐2009

FY 2009 result indicate

— Strengthening Financial Foundation has been DONEDONE

2010 Outlook

E i th j t d t b 5 5% 6 0% ith I fl ti R t d 5 0% 5 5%Economic  growth projected to be 5,5%  – 6,0% with Inflation Rate around  5,0% – 5,5%. Meanwhile the exchange rate could be maintained  around Rp 9.300‐Rp9.600.

On the banking sector the Interest Rate projected to be  6,5% – 7,0%, At this level the Banks NIMs will be narrowed 5%‐6% with the loan growth around 15%‐20%.

Sustainable Financial Growth

g

Page 8

Financial PerformanceFY FY ‐‐ 20092009

I Profit & LossI. Profit & Loss 

II. Balance Sheet

III. Financial Ratio

17-Feb-10 Page 9

Balance Sheet Highlight

[ Rp Billions ] 2008 1H‐2009 2009 Y.o.Y

Total Assets 201,741 203.619 227.497 13%

Current Account with BI 9,351 7,360 8.531 ‐9%

Placement with other banks & BI 22,642 18,474 29.622 31%

Marketable Securities [market value] 9,874 13,048 19.198 94%

Loans (gross) 111,994 119,862 120.843 8%

Government Bonds 34 655 36 094 31 040 10%Government Bonds [market value] 34,655 36,094 31.040 ‐10%

Customer Deposits 163,164 167,225 188.469 16%

Deposits from other Banks 4,100 3,658 3.819 ‐7%

Marketable Securities Issued 1,269 1,445 1.262 ‐1%

Borrowings 8,617 5,257 5.570 ‐35%

Subordinated Debt ‐ ‐ ‐ naSubordinated Debt na

Equity 15,431 17,500 19.143 24%

Page 10

Loan Composition

IDR vs Foreign Currency loans (%)Loan Composition (%, Rp bn)

111,994Non

120,843119,862

80% 84% 87%

20% 16% 13%,

IDR

NonIDR

Syariah

,,

15% 15%6%5% 4%3%3% 3%

2008 1H2009 2009

Consumer

International

Average Yield on IDR Loan FY 2009 (%)

15%15% 15%

Small & Medium

43% 43% 44%

2008 1H2009 2009

Corporate 33% 35% 34%

2008 1H2009 2009

Page 11

Loan diversifications

Loans by Economic Sector [FY‐2009] Consumer Loan Composition [FY-2009]

Mortgage / Housing loan

44%

A

Sectors 2008 2009

Manufacturing 26% 23%

Trading, Resto & Hotel 19% 20%Auto26%

Others

Agriculture 5% 7%

Business Service 11% 11%

Constructions 5% 5%Credit cards

13%

Unsecured loan2%Multi‐purpose

Cash collateral credit2%

Others11%

Constructions 5% 5%

Transportation & Comm 6% 7%

Social Services 1% 1%

Mining 3% 3% 2%2%Mining 3% 3%

Electricity, Gas & Water 6% 6%

Others 18% 17% Total Consumer Loan FY 2009: Rp 18.5 Tn

TOTAL LOAN [Rp Bn] 111,994 120,843

Page 12

Government Bonds

Portfolio ManagementFixed vs, floating rate(Rp bn – market value)

34,655 36,094 31.040

I t t I f G t b d % f t t l

16,08215,960

16,09044%

Floating Rate

46%Interest Income from Govt, bonds vs % from total interest income

18 573 20,133Fixed Rate

52%

22%17%

3,000

4,000

18,57314,949

56%

Rate

48%

11%

-

1,000

2,000

3,000

2008 1H2009 2009

54% [Rpbillion

]

2008 1H2009 2009 2008 1H2009 2009

Page 13

Customer Deposit 

By Type (Rp Bn) By Currencies

167,225 188.469188.469

Local Currency

Foreign Currency18%

Time Currency82%

Saving

Deposit42%

45%

46%

Current Account

Saving32% 31% 31%

26% 23% 24%

Blended Cost of Fund FY 2009 (%)

2008 1H2009 2009

CASA                        58%                        54% 55%

Customer deposit increased 10% (yoy) with CASA at 55% 

Page 14

Profit & Loss

[ Rp Billions ] 2008 1H‐2009•[accumulated]

2009 Y.o.Y

Net Interest Income 9,912 5.595 11.133 12%

Fee Income

Recuring Fee

3,549 2,102 4.295 21%

‐ Recuring Fee‐‐ Non Recurring Fee

3,692(143)

1,914188

3.871424

5%

Operating Income 13,461 7,697 15.428 15%

O ti E (7 228) (3 559) (7 991) 11%Operating Expense (7,228) (3,559) (7.991) 11%

Net Non Operating Income 58 57 58 0%

Pre‐Provision Income 6,291 4,195 7.495 19%

Provisioning (4,359) (2,588) (4.051) ‐7%

Net Income before Tax 1,932 1,607 3.444 78%

Net Income 1 222 1 200 2 484 103%Net Income 1,222 1,200 2.484 103%

Net Income per share [full amount] 80 79 163 104%

Page 15

Interest Income Composition

Breakdown of interest income [%]Growth of interest income [Rp Bn]

SBI3%

Government Bonds

16%

16,509 19.26810.008

Amortized 

Fee on 

Loan72%

16%

Marketable Securities

5%490 

3,500 

3,174 994 

1,032 

525 

568 

G t

MS

Loan

Amortized Fee on Loan3%

others1%

10,767 13,887 

723 

349 1,957 444 269 

SBI

Govt

Total = Rp 19,3 trillion6,946 

2008 1H2009 2009

Loan

Page 16

Non Interest Income

Key highlights of non‐interest income (Rp Bn)

Non‐interest income as % of total operating income

Breakdown of recurring fee income (FY‐2009)

Total = Rp 3.87 trillion

424 Foreign exchange 

i

Insurance premium

26%

p

27%

28%gains 7%

Others9%G

ain from

 Marketable 

Securities

188 

26%

Fees and commissions

53%

nterest 

come

M

3,692  1,914  3,871 (143)2008 1H2009 2009

Non

 IInc

Recurring Fee Income is targeted to cover operating expenseope a g e pe se

Page 17

Operating Expense

Key highlights of OPEX compare to CIR

Cost to Income Ratio

Breakdown of OPEX [%]

Total = Rp 7 9 trillion

53.5%51.8%

Personnel Expense43%

Total = Rp 7.9 trillion

46.2% General & Administrative

Promotion Expensen]

30% 5%

Others6%

Underwriting  O P E X   [Rp Bn

7,228  3,559  7,991 

2008 1H2009 2009

U de t gInsurance

13%Guarantee Premium

4%

O

Page 18

Financial Ratios [%] 

2008 1H2009 2009

CAPITAL

Shareholders equity to total assets 7.6 8.6 8.4

Tier I – CAR 9.8 10.8 10.2

Tier II – CAR 4.0 3.9 3.9

CAR [ ft dj t t f dit & k t i k] 13 5 14 3 13 7CAR [after adjustment for credit & market risk] 13.5 14.3 13.7

ASSET QUALITY

Net Non Performing Loan 1 7 1 2 0 8Net Non Performing Loan 1.7 1.2 0.8

Gross Non Performing Loan 5.0 5.5 4.7

Allowance for possible loan losses to gross NPL 101 0 118 5 120 1Allowance for possible loan losses to gross NPL 101.0 118.5 120.1

Page 19

Financial Ratios [%]

2008 1H2009 2009

RENTABILITYRENTABILITY

ROA 1.1 1.6 1.7

ROE 9.0 16.1 16.4

Net Interest Margin 6.3 6.1 6.0

EFFICIENCY

BOPO 90.2 86.9 84.9BOPO 90.2 86.9 84.9

Cost to Income Ratio 53.7 46.2 51.8

LIQUIDITY

Loan to Deposit Ratio 68.6 71.0 64.1

COMPLIANCE

Statuary Reserve Requirement (Rupiah) 6.7 5.0 5.5

Net Open Position 7.6 6.4 7.6

Page 20

Section…income from our business units increased sustainably…

Page 21

Subsidiaries Business

BNI Life Insurance BNI Securities

BNI Life offer various insurance product life health esmart is a BNI Securities 

proprietary software enabling customer to trade share listed on the Jakarta Stock Exchange from their own personal computer

BNI Life offer various insurance product, life, health, education and investment product.

BNI Life Investment product grewi37,2% in 2009. 

BNI life offer Six investment product:

Brokerage Activities in BNIS

1. Blife Future Plan2. Blife Optima Saving3. Blife Link Excellent

4. Blife Multilink5. Blife Multilink Excellent6. Blife InvestLink Syariah

Page 22

Consumer & Credit Card Business

Mortgage Loan [Balance Rp. Bn]

Credit CardsAuto Loan [Balance Rp Bn]Auto Loan [Balance Rp.Bn]

Page 23

International Business

Remittances [US$ million] BNI Branch @ Hong Kong 

Trade Finance Volume [US$ million]

Page 24

SME Business

BNI Wirausaha [Rp. Bn]

S Medium Business [Rp. Bn]Small Business [Rp Bn.]

Page 25

Sharia  Business

Total Asset [Rp Trillion] % 2006 2007 2008 2009

ROA 1.1 0.9 0.9 ‐3.64.814

ROE 5.1 6.4 11.3 ‐17.2

Net Margin 6.4 4.5 5.0 5.6

CIR 79.7 78.1 51.6 47.91.469

2.547

4.012

Financing & Deposits [Rp Billion] NPF & Financing Loss Reserve  [Rp Billion]

CAR 25.5 16.0 9.4 28.8

2006 2007 2008 2009

3.132

4.206

3.2653.173Financing Deposit

102

136

Financing Loss Reserve[excluding collateral]Non Performing Financing

1.133

1.801 1.800

1.125

6477

47% 132%

2006 2007 2008 2009 2008 2009

Page 26

Dampak Bisnis atas diterapkannya PPn Murabahah

Rp. Miliar

Akad 2005 2006 2007 2008 2009Komposisi Pembiayaan yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah

Mudharabah 3,124 2,335 4,406 7,411 10,412 Musyarakah 1,898 4,062 5,578 6,205 6,597 Murabahah 9,487 12,624 16,553 22,486 26,321 Salam - - - - - Istishna 282 337 351 369 423 Ijarah 316 836 516 765 1,305 Qardh 125 250 540 959 1,829 Multijasa - - Total 15,232 20,444 27,944 38,195 46,887

Pertumbuhan pembiayaan perbankan syariah mencapai rata‐rata 44% pertahuan (CAGR 2005‐2008),dengan porsi pembiayaan murabahah sebesar 57% dari total portofolio 

Pembiayaan murabahah masuk dalam kategori jasa perbankan yang oleh UU No. 18/2000 Pasal 4A ayat (3) jo. Pasal 5 huruf d dan Pasal 8 huruf a Peraturan Pemerintah Nomor 144 Tahun 2000 

Margin yang diperoleh dari pembiayaan murabahah umumnya berkisar pada tingkat 5‐6%, maka apabila dikenakan pajak PPN sebesar 10%, dapat dipastikan seluruh perbankan syariah

tentang Jenis Barang dan Jasa yang Tidak Dikenakan Pajak Pertambahan Nilai

Undang‐Undang Nomor 42/2009 mengenai PPN, PPN murabahah sejatinya sudah dihapuskan dandapat dipastikan seluruh perbankan syariah 

tidak akan feasiblePPN murabahah sejatinya sudah dihapuskan dan merupakan penegasan dari UU sebelumnya

Page 27

Corporate Business

Working Capital & Investment Loan {Rp Bn] Custody, Trustee, and Agency

Cash Management Initiatives (# of Clients)1SMBB Online

Syndicated Loan [Rp Bn]

111

33

122

E-TicketingAuto Debet

PDCNotional Pooling

MT940MT101

Bulk ClearingSimpul Online

102

322

13

51

St d t P t C tHost to Host

Auto SweepingTax Payment

Online CollectionBulk Payment

PayrollCash Pick up Service

E Ticketing

Page 28

231010

0 5 10 15 20 25

New E-BankingVirtual Account

Student Payment Center

Section

Loan Quality

Page 29

Loan Collectibility

0 7% 0 9% 0.5%5.5 : NPL %

1.4% 1.1% 1.0%

2.9%3.5% 3.2%

0.7% 0.9%

Sub

Doubtfull

Loss

8.6% 8.2%8.0%

4.9 

4.7 Special Mention

Sub Standard

86.4% 86.3% 87.3%Pass

111,994 119,862

2008 1H2009 2009

Loans (Rp bn) 120.843111,994 119,862oa s ( p b ) 120.843

Page 30

NPL by Segment

8.6%

9.5%

8.2%

4 4% 3.9%4.7%

5.8%

4 2%

5.2%5.8%

5,596  6,668  5,762 

4.4%3.8%

4.2%

2.8%3.6%

1.3%

2.4%

2008 1H2009 2009

NPL [Rp Bn] Corporate Middle Small Consumer Sharia

Page 31

Coverage

LLR/NPLsNon‐performing loans [Rp Bn]

NPL ratio

5.5%118.5%

120.1%LLR LLR/NPL Ratio

4.9%

4 7% 101 0%

1 528 1 328 1 258

790 1,147 609

3,278 4,194 3,895

4.7%Loss

Substandard

Doubtful

5 652 7 882 6 920

101.0%

1,528 1,328 1,258

2008 1H2009 2009

Substandard 5,652 7,882 6,920

2008 1H2009 2009

Coverage Ratio [LLR/NPL] increased from 101% to 120%

Page 32

Asset Recovery

Write off & Recovery

W it ff t i ff4,246

3,331

3 000

3,500

4,000

4,5002008 2009

Write offs tapering off. Rp 3.3 T (2009) vs Rp 4.3 T (2008)

Loan recovery increased by 19,1% 

1,500

2,000

2,500

3,000amounted Rp. 893 billion.

Proceeds from recovery was add to provision

750 893

0

500

1,000

Write Off Recovery

provision

2008 2009 %

Write‐off (Rp billion) 4.246 3.331 (21,5%)

Write Off Recovery

Recovery (Rp billion) 750 893 19,1%

Page 33

Section

Risk Profile

Page 34

Progress on Risk Profile2008 – 2009

RISK   TYPEINHERENT  RISK RISK  CONTROL  SYSTEM RISK   COMPOSITE

2008 2009 2008 20092008 2009

 Score  Score  Score  Score

1. CREDIT   ‐ LOAN 77.46   58.95 66.32 67.77 Low Moderate   ‐ TREASURY & INVESTMENT 77.97   81.05

77.48   59.63

Composite Composite Composite Composite

Low Moderate Acceptable Acceptable

2008 2009

2. MARKET 59.24   67.34 63.78 66.32 Moderate Moderate3. LIQUIDITY 44.78   49.15 67.15 72.40 Moderate Moderate to Low4. OPERATIONAL 51.77   75.89 66.33 66.67 Moderate Low5. LEGAL 90.83   93.93 69.20 71.83 Low Low6. REPUTATION 71.61   79.45 73.76 76.22 Low Low

Moderate Moderate Acceptable StrongModerate Moderate Acceptable Acceptable

Low Low Acceptable StrongModerate Low Acceptable Acceptable

Low Low Strong Strong

After Adjustment of risk weighted and scoring system

7. STRATEGIC 71.65   75.36 70.50 78.30 Low Low8. COMPLIANCE 77.87   81.55 76.27 76.73 Low Low

Moderate Moderate to Low70.83

Low Low Strong Strong

RISK  PREDICATE Moderate Moderate AcceptableLow Low Strong

66.78 69.70 68.22 StrongStrong

Page 35

Section

Strategic Policy 2010

Page 36

STRATEGIC POLICY 2010

2. Aggressive on Low Cost1. Deepening the  2.  Aggressive on Low Cost FundingQuality of Asset

3 I l t C t

Sustainable Sustainable FinancialFinancialGrowthGrowth5 Strengthen Capital 3.  Implement Customer 

Centric Operating Model to structurally Improve 

Productivity and Efficiency  

G o tG o t5.  Strengthen Capital Structure

y y

4. Accelerate the Value‐Chain Business  to strengthen BNI 

IncorporatedIncorporated

Page 37

Section

BNI in brief

Page 38

BNI has a long track record in the Indonesian banking sector

Asset Loan Deposit

1996First state‐owned

2000: Post‐recap, The G t O d

2007: Secondary Offering, +/‐ US$ 445 Ti 1

Indonesia Independence(17 A t 1945}

1946: BNI Established

First state owned bank, to “go public”

Government  Owned 99,1% of BNI

445mn new Tier‐1 capital

(17 August 1945}

h h l One of theStrong Brand Name 63 years History The most extensive distribution platform 

in Indonesia¹

The 4th largest commercial bank by asset 

size

One of the largest credit card issuer in Indonesia

Strong Brand Name – 63 years History

Network (+/‐ 1000 Branches) including Five Overseas Branches

Customer Base (+/ 10 millions customers) S B k I d i SPI D 2009Customer Base – (+/‐ 10 millions customers) Source: Bank Indonesia, SPI Des 2009

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Network & Distribution

BNI’s multiple touch points for individual and corporate customers

Mobile Call Center

Consumer loan centers

ATMs( )

Branches( )

Small business centers

Medium business centers

bankingCall Center loan centers

(12)(3,933) (1063)

centers(51)

centers(20)

BNI has also entered into

Overseas officesSingapore (Nov 1955)Hong Kong (Apr1963)T k (S 1969)

BNI has also entered into key arrangements with prominent companies for payment channeling, 

financing, loan distribution, and network/outlet 

development

Individual customer highlights Corporate/SME customer highlights

Indonesia (1058 branches)

Tokyo (Sep 1969)London (1987)New York Agency (Apr 1971)

development

9,8mn  deposit accounts

1,6 mm  credit cards

82.600  mortgage customers

27.200  corporate deposit accounts 

812  corporate borrowers

69.500  SME lending accounts

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

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Offering leading products…

Product Focus 2010Key asset and liability products

Credit Cards (Visa & Mastercard)

TAPLUS, [saving account]o To balance CASA – Non CASA composition

o Target growth 2010: 12 14%

Credit Cards (Visa & Mastercard)

Launched in October 1997Balance: Rp, 2,3 trillion# Applications: 35,000/month# of cards holder: 1,6 millions

o Target growth 2010: 12‐14%

BNI Griya [housing loan] with growth target in 2010 over 20%

TAPLUS (Savings Product)

Launched in 1989Balance: Rp, 50,0 trillion# Applications: 20,000/month# of accounts: 10,5 million

BNI Wirausaha [loan product for Small Business]with growth target 20%

Remittance, more extensive acquisition

BNI Wirausaha (Commercial)

Launched in August 2005Balance: Rp 2,58 trillion# Applications: 1,000/month# of member: 13 407 Remittance, more extensive acquisition 

through our overseas branches with target growth 100%

# of member: 13,407

BNI Griya (Housing Loan)

Launched in 2005Balance: Rp, 6,5 trillions# Applications: 3,000/month

Source: Company reports, data for credit cards in‐force in Indonesia based on recent available information

# Applications: 3,000/month# of accounts: 72,226

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BNI ratings

2008 2009

N ti l l t ti AA (id) AA (id)

Fitch Rating 

National long term rating Long term foreign & local currencyShort term foreign & local currencyIndividual rating S b di t d d bt

AA‐ (id)BB/stable

BD

AA (id)BB/stable

BD

Subordinated debt ‐‐ ‐‐

Standard & Poor's Credit rating Senior unsecured rating Subordinated rating

BB‐/Stable/BBB‐

BB‐/Stable/BBB‐

Subordinated rating  ‐‐ ‐‐

Moody's 

Long term subordinated debt rating Deposit rating Bank Financial Strength Rating 

Ba2B1D‐

Ba3B1D‐g g

Outlook  Stable Stable

PefindoCorporate rating Bond 1 

idAA‐/Stable

idAA‐/StableidAA‐/Stable

idAA‐/StableSubordinated  ‐‐ ‐‐

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Accolades2

Best Corporate Governance  from Euromoney Magaziney g

Leading international magazine Euromoney has named PT Bank Negara Indonesia (Persero) Tbk as winner of the overall best of corporate governance award in Indonesia of the Euromoney ‘Best Managed and g y gGoverned Companies ‐Asia poll 2010 . The poll is based on replies received from a total of 221 of the leading equity analysts at the largest investment banks and research houses in the Asia Pacific region. 

Analysts were asked to name which companies were the mostAnalysts were asked to name which companies were the most impressive across a number of factors including; management accessibility, accounting transparency and corporate governance procedures amongst others. Analysts praised BNI for its leading role in promoting transparent communication to investors, citing that “the bank h l t t d d i ibilit ” A l t l t d th t “BNI’has a clear strategy and good visibility”.  Analysts also noted that “BNI’s senior management is open to all questions and requests from investors and analysts regarding the bank’s performance and external relations are properly maintained, especially with regards to the fulfillment of the bank.

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Accolades

Best Remittances Provider of the Year in Southeast Asia from Alpha South East Asia Magazine

Unlike most corporate and commercial banks and/or retail banks in the Indonesian archipelago, BNI is without a doubt the most committed bank in p g ,this space with a track record to match. Processing millions of remittances a year, BNI has over the years develop an unrivalled understanding of the needs of foreign migrant workers at both end of the chain that is, the high income earning Indonesian professional engineers, architects, bankers, doctors white collar professionals to low earning blue collar workers anddoctors, white collar professionals to low earning blue collar workers and domestic workers. 

To that end, BNI has established a Remittance Call Centre, open seven days a week for inquiry and complaint handling. As a source to billions of rupiah in fee‐based income, the business of servicing the financial needs of breaking technology solutions like Thin Client Smart Remittance (available to US‐based customers) and I‐Banking Smart Remittance (available to customers in Japan), BNI has leveraged on its overseas presence through its foreign branches in the best possible way over the yearsforeign branches in the best possible way over the years.

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Accolades

Green Leadership Award & Community Engagement AwardAward from Asia Responsible Entrepreneurship Award

BNI awarded Green Leadership Award & Community Engagement Award from Asia Responsible Entrepreneurship Award (AREA) for its achievement in doing sustainability business. 

Green Leadership Award is given to corporate that believes in the larger responsibility for recognizing the impact of running their business to the environment and seeks to reduce and reverse the impact. 

Community Engagement Award is given to businesses that are committed to the betterment of the community that they are operate in. 

The Community Engagement Award was given to BNI for its KampoengThe Community Engagement Award was given to BNI for its Kampoeng BNI and Green Leadership Award was partly because the company can show its commitment toward green bank and sustainable development. 

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Accolades

Annual Report AwardRank 2 Category: BUMN Financial listed (from BI, Bapepam, Directorate of Tax, and GCG Committee)Committee)

2009 Spotlight Award,Print, Video & Web Communications Competition Category: Gold Award in development of Annual Report 2008[F L f A i C i ti P f i l ][From League of Americans Communications Professionals]

GCG Award 2009Category: Best Individual Indicators Equitable Treatment of Shareholders [from GCG “Seminar‐Award‐2009”]

The Most Expansive Funding & FinancingCategory: 1st Rank for BNI Syariah [from: Karim Business Consulting]

Green Property Award 2009Category: Bank yang Peduli terhadap Pengembangan Perumahan Ramah Lingkungan [fromCategory: Bank yang Peduli terhadap Pengembangan Perumahan Ramah Lingkungan [from Housing Estate]

Top Brand AwardCategory : Credit Card in Recognition of Outstanding Achievement in Building the Top Brand [f F i & M k i i ][from Frontier & Marketing magazine]

Page 46

Thank you

PT Bank Negara Indonesia (Persero) TbkCorporate Communication Division, Investor Relations GroupBNI Building, 24th FloorJl Jend Sudirman kav, 1 Jakarta 10220T 62 21 5728868T: 62‐21‐5728868F: 62‐21‐5728053E: investor.relations@bni.co.id

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