Portfolio Review

Period 1Q21

Investor Updates

PT. Bank Negara Indonesia (Persero) Tbk.

#BUMNUntukIndonesia

In-Depth View of Loan Portfolio in Response to the Pandemic

Purposes:

1

Understanding the impact of COVID-19 to our loan book

2

3

Classifying debtors based on potential credit risk categories (High, Medium & Low Risk) and formulate an appropriate portfolio strategy to manage loan quality.

Triggers for calculating additional Expected Credit Loss (ECL)

Review is conducted periodically every four months

October 2020

1st Review

February 2021

2nd Review

2

Methodology: Comprehensive Assessment

Methodology: Three pillars assessed in the survey

Each segments have different weighting factors according to business characteristics and determined using the Analytical Hierarchy Process (AHP) method.

Business O•uCtolomoplkiance with loan agreement

  • • Debt Obligation (principal & interest)

  • • Suitability of use of fund

  • • Source of repayment

  • • Accuracy of financial reports

15.08%

15.24%

29.90%

24.73%

22.52%

55.02%

61.79%

62.24%

100.00%

100.00%

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Disclaimer

BNI - PT Bank Negara Indonesia (Persero) Tbk published this content on 19 March 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 19 March 2021 08:49:03 UTC.