PT Bank Negara Indonesia Persero Tbk : Quarterly Report III - 2023

ISO 9001:2015

1. Preparation and Verification Process of Bank Negara Indonesia Published Financial Statements
2. Preparation, Verification, and Reporting Process of Corporate Income Tax

Certificate ID16/03754

CONSOLIDATED FINANCIAL STATEMENTS

PT BANK NEGARA INDONESIA (PERSERO) Tbk AND SUBSIDIARIES

Periods of September 30, 2023

Unaudited

BNI registered with and supervised by the

Financial Services Authority

Statements of Financial Position

STATEMENTS OF FINANCIAL POSITION

AS OF SEPTEMBER 30, 2023 AND DECEMBER 31, 2022

(IN MILLIONS OF RUPIAH)

NO

ACCOUNTS

ASSETS

INDIVIDUAL	CONSOLIDATED
SEP 30, 2023	DEC 31, 2022	SEP 30, 2023	DEC 31, 2022
(Unaudited)	(Audited)	(Unaudited)	(Audited)

1.	Cash	10,642,121	13,339,830	10,718,775	13,448,092
2.	Placement with Bank Indonesia	77,719,052	130,441,275	79,776,941	132,311,433
3.	Placement with other banks	21,416,998	17,004,427	23,364,712	18,101,774
4.	Spot and derivatives/forward receivables	812,444	685,237	812,444	685,237
5.	Securities	135,311,817	134,366,593	158,287,619	155,927,367
6.	Securities sold under repurchase agreements (repo)	6,653,593	2,541,113	6,653,593	2,541,113
7.	Securities purchased under resell agreements (reverse repo)	4,414,985	11,395,272	9,104,647	16,631,271
8.	Acceptance receivables	20,416,286	19,970,485	20,461,116	20,014,228
9.	Loans	665,138,580	642,629,631	671,371,028	646,188,313
10.	Sharia Financing	-	-	-	-
11.	Equity investments	16,442,313	15,192,375	11,516,834	10,657,772
12.	Other Financial Assets	18,001,890	19,151,555	18,031,553	19,209,989
13.	Allowance of impairment on financial assets -/-
	a. Securities	(314,209)	(322,072)	(314,246)	(322,126)
	b. Loans	(48,971,209)	(50,180,236)	(49,158,540)	(50,333,988)
	c. Others	(718,472)	(1,201,040)	(718,792)	(1,201,261)
14.	Intangible assets	-	-	757,570	757,570
	Accumulated amortization on intangible assets -/-	-	-	(11,175)	(5,259)
15.	Fixed assets and equipment	42,054,191	40,673,094	43,340,172	41,755,458
	Accumulated depreciation on fixed assets and equipment -/-	(15,916,844)	(14,709,780)	(16,612,104)	(15,206,565)

16. Non earning assets

	a. Abandoned properties	-	-	-	-
	b. Foreclosed assets	886,112	1,072,440	950,133	1,150,179
	c. Suspense accounts	300	326	300	326
	d. Interbranch assets	51,491	-	51,491	-
17.	Other assets	17,662,750	15,506,322	20,924,584	17,525,945
	TOTAL ASSETS	971,704,189	997,556,847	1,009,308,655	1,029,836,868
LIABILITIES AND EQUITY
	LIABILITIES
1.	Current accounts	288,698,791	313,993,879	290,501,210	314,625,134
2.	Saving accounts	221,481,233	241,858,783	222,388,821	242,694,593
3.	Time deposits	228,447,218	206,941,940	234,705,306	211,949,264
4.	Electronic money	204,655	164,667	204,655	164,667
5.	Liabilities to Bank Indonesia	351,101	576,107	351,101	576,107
6.	Liabilities to other banks	13,266,960	14,766,798	13,322,045	14,843,765
7.	Spot and derivatives liabilities/forward	804,192	775,131	804,192	775,131
8.	Liabilities on securities sold under repurchase agreements (repo)	6,260,791	2,885,286	6,260,791	2,885,286
9.	Acceptances liablilities	4,697,519	5,257,500	4,742,349	5,301,243
10.	Securities issued	21,989,774	22,210,348	21,874,598	22,110,025
11.	Fund borrowings	25,150,673	34,982,824	25,933,234	35,478,888
12.	Margin deposits received	367,607	325,915	391,666	332,525
13.	Interbranch liabilities	-	29,437	-	29,437
14.	Other liabilities	20,923,927	21,010,923	40,611,141	37,873,141
15.	Minority Interest	-	-	6,692,920	6,638,946
	TOTAL LIABILITIES	832,644,441	865,779,538	868,784,029	896,278,152

3Q23 Publication Report > PT Bank Negara Indonesia (Persero) Tbk

Statements of Financial Position

STATEMENTS OF FINANCIAL POSITION

AS OF SEPTEMBER 30, 2023 AND DECEMBER 31, 2022

(IN MILLIONS OF RUPIAH)

NO

ACCOUNTS

EQUITY

INDIVIDUAL	CONSOLIDATED
SEP 30, 2023	DEC 31, 2022	SEP 30, 2023	DEC 31, 2022
(Unaudited)	(Audited)	(Unaudited)	(Audited)

16. Paid-in capital	8,874,847	9,054,807	8,874,847	9,054,807
a. Authorized capital	15,000,000	15,000,000	15,000,000	15,000,000
b. Unpaid-in capital -/-	(5,945,193)	(5,945,193)	(5,945,193)	(5,945,193)
c. Treasury stock -/-	(179,960)	-	(179,960)	-

17. Additional paid-in capital

a. Agio	19,633,584	19,633,584	17,010,254	17,010,254
b. Disagio -/-	-	-	-	-
c. Capital fund	173,867	-	173,867	-
d. Others	-	-	-	-

18. Other comprehensive income

	a. Gains	12,789,524	13,342,096	12,487,729	13,433,915
	b. Losses -/-	-	-	-	-
19.	Reserves
	a. General reserves	2,778,412	2,778,412	2,778,412	2,778,412
	b. Specific reserves	-	-	-	-
20.	Income/loss
	a. Previous years	86,458,132	71,159,678	90,771,048	75,693,903
	b. Current year	15,676,203	18,533,361	15,753,290	18,312,054
	c. Paid Dividen -/-	(7,324,821)	(2,724,629)	(7,324,821)	(2,724,629)
	TOTAL EQUITY ATTRIBUTABLE TO OWNERS	139,059,748	131,777,309	140,524,626	133,558,716
	TOTAL EQUITY	139,059,748	131,777,309	140,524,626	133,558,716
	TOTAL LIABILITIES AND EQUITY	971,704,189	997,556,847	1,009,308,655	1,029,836,868

3Q23 Publication Report > PT Bank Negara Indonesia (Persero) Tbk

Statements of Profit Or Loss and Other Comprehensive Income

STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME

FOR THE PERIODS FROM JANUARY 1 TO SEPTEMBER 30, 2023 AND 2022

(IN MILLIONS OF RUPIAH)

		INDIVIDUAL	CONSOLIDATED
NO	ACCOUNTS	JAN 1, 2023	JAN 1, 2022	JAN 1, 2023	JAN 1, 2022
TO	TO	TO	TO
		SEP 30, 2023	SEP 30, 2022	SEP 30, 2023	SEP 30, 2022
		(Unaudited)	(Unaudited)	(Unaudited)	(Unaudited)
OPERATING INCOME AND EXPENSES
A. Interest Income and Expenses
1.	Interest income	45,568,728	39,129,245	46,218,478	39,270,337
2.	Interest expenses	14,840,855	8,891,660	15,082,178	9,071,338
	Net interest income (Expenses)	30,727,873	30,237,585	31,136,300	30,198,999
3.	Premium Income and Investments Return	-	-	5,103,776	4,662,133
4.	Claim Expenses	-	-	3,904,198	3,552,867
	Net Premium Income (Claim Expenses)	-	-	1,199,578	1,109,266
	Net interest income (Expenses) and Net Premium Income (Claim Expenses)	30,727,873	30,237,585	32,335,878	31,308,265
B. Operating Income and Expenses Other than Interest
1.	Gain (loss) from increase (decrease) in fair value of financial assets	(1,304,062)	(673,235)	(1,296,682)	(670,432)
2.	Gain (loss) from decrease (increase) in fair value of financial liabilities	-	-	-	-
3.	Gain (loss) from sale of financial assets	835,159	1,314,702	845,882	1,343,286
4.	Gain (loss) from spot and derivatives (realised)	2,029,120	300,676	2,029,682	301,268
5.	Gain (loss) from investment under equity method	959,084	798,005	959,621	780,323
6.	Gain (loss) from foreign exchange translation	-	1,547,146	-	1,548,772
7.	Dividend income	-	-	-	-
8.	Commission/provision/fee and administrative	7,480,768	7,290,015	7,231,214	6,921,562
9.	Other income	3,253,616	3,218,904	3,680,439	3,658,605
10.	Impairment for financial assets expenses (recovery)	6,673,821	8,883,744	6,728,457	8,901,085
11.	Losses related to operational risk	10,057	61,042	11,127	61,027
12.	Personnel expenses	8,202,951	8,524,518	8,872,581	9,082,575
13.	Promotion expenses	613,442	654,151	655,585	680,810
14.	Other expenses	9,300,077	9,002,679	9,986,376	9,563,676
	Net Operating Income (Expenses) Other than Net Interest	(11,546,663)	(13,329,921)	(12,803,970)	(14,405,789)
	OPERATING INCOME (EXPENSES)	19,181,210	16,907,664	19,531,908	16,902,476
NON OPERATING INCOME AND EXPENSES
1.	Gain (loss) from sale of fixed assets and equipment	1,229	(1,427)	3,922	(4,331)
2.	Other non operating income (expenses)	(75,022)	(62,382)	(159,537)	(113,644)
	NON OPERATING PROFIT (LOSS)	(73,793)	(63,809)	(155,615)	(117,975)
	CURRENT YEAR PROFIT (LOSS) BEFORE TAX	19,107,417	16,843,855	19,376,293	16,784,501
	Income taxes
	a. Estimated current year tax -/-	(3,320,392)	(3,770,753)	(3,336,584)	(3,795,647)
	b. Deferred tax income (expenses)	(110,822)	812,147	(150,784)	813,117
	CURRENT YEAR NET PROFIT (LOSS)	15,676,203	13,885,249	15,888,925	13,801,971
	CURRENT YEAR MINORITY INTEREST PROFIT (LOSS)	-	-	135,635	109,754
OTHER COMPREHENSIVE INCOME
1.	Items that will not be reclassified to profit or loss
	a. Gain (loss) from revaluation of properties	-	-	(16,005)	(16,591)
	b. Gain (loss) from remeasurement on defined benefit plans	(510,278)	368,554	(501,995)	374,757
	c. Others	-	-	-	-
2.	Items that will be reclassified to profit or loss
	a. Gain (loss) from exchange difference on translation of foreign currency financial
	statement	69,375	(75,763)	69,164	(75,065)
	b. Gain (loss) from changes of financial assets on measured at fair value through
	other comprehensive income	(621,947)	(5,331,447)	(1,089,291)	(5,623,980)
	c. Others	-	-	-	-
	OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX	(1,062,850)	(5,038,656)	(1,538,127)	(5,340,879)
	TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR	14,613,353	8,846,593	14,350,798	8,461,092

3Q23 Publication Report > PT Bank Negara Indonesia (Persero) Tbk

Statements of Profit Or Loss and Other Comprehensive Income

STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME

FOR THE PERIODS FROM JANUARY 1 TO SEPTEMBER 30, 2023 AND 2022

(IN MILLIONS OF RUPIAH)

NO

ACCOUNTS

Current Year Net Profit (Loss) Attributable to :

INDIVIDUAL	CONSOLIDATED
JAN 1, 2023	JAN 1, 2022	JAN 1, 2023	JAN 1, 2022
TO	TO	TO	TO
SEP 30, 2023	SEP 30, 2022	SEP 30, 2023	SEP 30, 2022
(Unaudited)	(Unaudited)	(Unaudited)	(Unaudited)

-	OWNER OF COMPANY	15,676,203	13,885,249	15,753,290	13,692,217
-	NON CONTROLLING INTEREST			135,635	109,754
TOTAL CURRENT YEAR NET PROFIT (LOSS)	15,676,203	13,885,249	15,888,925	13,801,971
Total Comprehensive Profit (Loss) For The Year Attributable to :
-	OWNER OF COMPANY	14,613,353	8,846,593	14,296,824	8,519,223
-	NON CONTROLLING INTEREST			53,974	(58,131)
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR	14,613,353	8,846,593	14,350,798	8,461,092
PROFIT (LOSS) TRANSFER TO HEAD OFFICE	-	-	-	-
DIVIDEND	-	-	-	-
BASIC EARNINGS PER SHARE (in unit rupiah)			845	735

3Q23 Publication Report > PT Bank Negara Indonesia (Persero) Tbk

Statements of Commitments and Contingencies & Financial Ratios

STATEMENTS OF COMMITMENTS AND CONTINGENCIES

AS OF SEPTEMBER 30, 2023 AND DECEMBER 31, 2022

(IN MILLIONS OF RUPIAH)

		INDIVIDUAL	CONSOLIDATED
NO	ACCOUNTS	SEP 30, 2023	DEC 31, 2022	SEP 30, 2023	DEC 31, 2022
		(Unaudited)	(Audited)	(Unaudited)	(Audited)

1. COMMITMENT RECEIVABLES

	1.	Undisbursed borrowings/financing facilities	-	-	-	-
	2.	Outstanding of foreign currency from spot and derivatives (purchased)	74,235,698	95,552,866	74,235,698	95,552,866
	3.	Others	83,926	84,537	83,926	84,537
II.	COMMITMENT PAYABLES
	1.	Unused loan/financing facilities to debtors
		a. Committed	1,119,176	1,362,156	2,523,978	2,078,792
		b. Uncommitted	51,951,222	55,256,222	51,955,900	55,256,222
	2.	Outstanding irrevocable L/C	14,455,252	16,069,052	14,466,268	16,074,195
	3.	Outstanding of foreign currency from spot and derivatives (sold)	74,238,009	96,358,325	74,238,009	96,358,325
	4.	Others	83,926	84,537	83,926	84,537
III.	CONTINGENT RECEIVABLES
	1.	Guarantees received	23,783,037	20,690,817	23,783,037	20,690,817
	2.	Others	437,042	381,937	437,042	381,937
IV.	CONTINGENT PAYABLES
	1.	Guarantees issued	66,344,258	63,062,467	66,470,542	63,108,968
	2.	Others	1,471,230	568,857	1,475,530	570,463

FINANCIAL RATIOS

AS OF SEPTEMBER 30, 2023 AND 2022

NO

RATIOS

Performance Ratio

INDIVIDUAL

SEP 30, 2023	SEP 30, 2022
(Unaudited)	(Unaudited)

1.	Capital Adequacy Ratio (CAR)	21.88%	18.90%
2.	Non performing earning assets and non earning assets to total earning assets and non earning assets	1.68%	2.22%
3.	Non performing earning assets to total earning assets	1.59%	2.09%
4.	Allowance of impairment on financial assets to total earning assets	5.63%	6.38%
5.	Gross NPL	2.27%	3.04%
6.	Net NPL	0.61%	0.57%
7.	Return on Asset (ROA)	2.64%	2.48%
8.	Return on Equity (ROE)	17.17%	16.56%
9.	Net Interest Margin (NIM)	4.64%	4.80%
10.	Operating Expenses to Operating Income	67.39%	68.05%
11.	Cost to Income Ratio (CIR)	41.26%	41.37%
12.	Loan to Deposit Ratio (LDR)	90.05%	91.18%
Compliance
1.	a. Percentage Violation of Legal Lending Limit
	I.	Related parties	0.00%	0.00%
	II. Non related parties	0.00%	0.00%
	b. Percentage Lending in Excess of The Legal Lending Limit
	I.	Related parties	0.00%	0.00%
	II. Non related parties	0.00%	0.00%
2.	Minimum Statutory Reserve requirement
	a. Minimum Statutory Reserve requirement (Rupiah)	8.21%	8.19%
	-	Daily	0.00%	0.28%
	-	Average	8.21%	7.91%
	b. Minimum Statutory Reserve requirement (Foreign currencies) (Daily)	4.01%	4.01%
3.	Net Open Position	1.25%	1.93%

3Q23 Publication Report > PT Bank Negara Indonesia (Persero) Tbk

Calculation of Capital Adequacy Ratio

CALCULATION OF CAPITAL ADEQUACY RATIO

AS OF SEPTEMBER 30, 2023 AND 2022

(IN MILLIONS RUPIAH)

NO	CAPITAL COMPONENTS

1. Tier 1 Capital

SEP 30, 2023	SEP 30, 2022
Individual	Consolidated	Individual	Consolidated
(Unaudited)	(Unaudited)	(Unaudited)	(Unaudited)
124,838,032	140,111,590	113,039,091	127,081,399

1. Common Equity Tier 1 (CET 1)	115,565,032	130,838,590	103,902,591	117,944,899
1.1 Paid in Capital (Excluding Treasury Stock)	8,874,847	8,874,847	9,054,807	9,054,807
1.2	Reserve additional capital	130,511,361	130,619,015	116,940,951	117,816,525
	1.2.1	Additional Factors		133,764,904	134,320,464	120,732,050	121,377,956
		1.2.1.1	Other comprehensive income	15,415,373	15,455,139	15,383,157	15,422,517
			1.2.1.1.1	Excess adjustment due to financial statement translation	32,216	32,622	-	-
			1.2.1.1.2	Potential gain due to increases of fair value of financial asset through other comprehensive income	-	-	-	-
			1.2.1.1.3	Fixed assets revaluation	15,383,157	15,422,517	15,383,157	15,422,517
		1.2.1.2	Other disclosed reserves	118,349,531	118,865,325	105,348,893	105,955,439
			1.2.1.2.1	Agio	19,633,584	17,010,254	19,632,439	17,009,109
			1.2.1.2.2	General reserves	2,778,412	2,778,412	2,778,412	2,778,412
			1.2.1.2.3	Previous years profit	80,261,332	83,406,008	69,052,793	72,587,833
			1.2.1.2.4	Current year profit	15,676,203	15,670,651	13,885,249	13,580,085
			1.2.1.2.5	Paid in capital fund	-	-	-	-
			1.2.1.2.6	Others	-	-	-	-
	1.2.2	Deduction Factors		(3,253,543)	(3,701,449)	(3,791,099)	(3,561,431)
		1.2.2.1	Other comprehensive income	(2,625,849)	(3,052,318)	(3,535,684)	(3,305,218)
			1.2.2.1.1	Negative adjustment due to financial statement translation	-	-	(92,638)	(92,165)
			1.2.2.1.2	Potential losses due to impairment of fair value of financial asset through other comprehensive income	(2,625,849)	(3,052,318)	(3,443,046)	(3,213,053)
		1.2.2.2	Other disclosed reserves	(627,694)	(649,131)	(255,415)	(256,213)
			1.2.2.2.1	Disagio	-	-	-	-
			1.2.2.2.2	Previous years losses	-	-	-	-
			1.2.2.2.3	Current year loss	-	-	-	-
			1.2.2.2.4	Negative differences between regulatory provision and allowance for impairment losses of earning assets	-	-	-	-
			1.2.2.2.5	Negative differences on adjustment of fair value on financial instrument in the trading book	-	-	-	-
			1.2.2.2.6	Regulatory provision on non earning assets	(627,694)	(649,131)	(255,415)	(256,213)
			1.2.2.2.7	Others	-	-	-	-
1.3	Minority Interest		-	-	-	-
1.4 Deduction Factors of CET 1	(23,821,176)	(8,655,272)	(22,093,167)	(8,926,433)
	1.4.1	Deferred Tax		(7,488,946)	(7,514,610)	(7,737,809)	(7,758,371)
	1.4.2	Goodwill			-	(727,786)	-	(743,454)
	1.4.3	Other intangible assets	-	(18,609)	-	(30,341)
	1.4.4	Equity investment		(16,332,230)	(394,267)	(14,355,358)	(394,267)
	1.4.5	Shortfall on the capital of insurance subsidiary	-	-	-	-
	1.4.6	Exposure of Securitization	-	-	-	-
	1.4.7	Other deduction factors of CET 1	-	-	-	-
		1.4.7.1 Investment on AT 1 and/or Tier 2 Instrument in other Bank	-	-	-	-
		1.4.7.2 Cross-ownership in another entity acquired by the transition due to the law, a grant or grants will	-	-	-	-
		1.4.7.3 Exposures that give rise to Credit Risk due to settlement failure (settlement risk) - Non Delivery Versus Payment	-	-	-	-
		1.4.7.4 Exposures in Subsidiary Companies that carry out business activities based on sharia principles (if any)	-	-	-	-

3Q23 Publication Report > PT Bank Negara Indonesia (Persero) Tbk

Calculation of Capital Adequacy Ratio

CALCULATION OF CAPITAL ADEQUACY RATIO

AS OF SEPTEMBER 30, 2023 AND 2022

(IN MILLIONS RUPIAH)

							SEP 30, 2023	SEP 30, 2022
NO			CAPITAL COMPONENTS			Individual	Consolidated	Individual	Consolidated
							(Unaudited)	(Unaudited)	(Unaudited)	(Unaudited)
2. Additional Tier 1 (AT 1)						9,273,000	9,273,000	9,136,500	9,136,500
2.1 Instrument which comply with AT 1	Regulations					9,273,000	9,273,000	9,136,500	9,136,500
2.2 Agio/Disagio						-	-	-	-
2.3 Deduction factors of AT 1						-	-	-	-
2.3.1	Investment on AT 1 and/or Tier 2 Instrument in other Bank				-	-	-	-
2.3.2	Cross-ownership in another entity acquired by the transition due to the law, a grant or grants will		-	-	-	-
II. Tier 2 Capital						11,170,962	11,729,110	12,450,369	12,768,359
1. Capital Instrument in the form of Stock or others which comply with Tier 2 regulations			3,863,750	3,863,750	5,347,958	5,347,958
2. Agio/Disagio						-	-	-	-
3. General provision of earning assets (maximum 1,25% of RWA for Credit Risk)			7,307,212	7,865,360	7,102,411	7,420,401
4. Deduction Factor of Tier 2 Capital						-	-	-	-
4.1 Sinking Fund						-	-	-	-
4.2 Investment on Tier 2 Instrument in other Bank					-	-	-	-
4.3 Cross-ownership in another entity acquired by the transition due to the law, a grant or grants will		-	-	-	-
TOTAL CAPITAL							136,008,994	151,840,700	125,489,460	139,849,758
		SEP 30, 2023	SEP 30, 2022		SEP 30, 2023	SEP 30, 2022
		Individual	Consolidated	Individual	Consolidated		Individual	Consolidated	Individual	Consolidated
		(Unaudited)	(Unaudited)	(Unaudited)	(Unaudited)		(Unaudited)	(Unaudited)	(Unaudited)	(Unaudited)
RISK WEIGHTED ASSET					CAPITAL ADEQUACY RATIO (CAR)
RISK WEIGHTED ASSET (RWA) FOR					CET 1 Ratio (%)
CREDIT RISK		584,576,921	629,228,821	568,192,858	593,632,086		18.59%	19.61%	15.65%	17.02%
RISK WEIGHTED ASSET (RWA) FOR					Tier 1 Ratio (%)
MARKET RISK	2,154,796	2,093,702	2,796,440	2,952,470		20.08%	21.00%	17.02%	18.33%
RISK WEIGHTED ASSET (RWA) FOR					Tier 2 Ratio (%)
OPERATIONAL RISK	34,966,876	35,775,625	92,998,494	96,564,025		1.80%	1.76%	1.88%	1.84%
RISK WEIGHTED ASSET (RWA)					CAR (%)
TOTAL		621,698,593	667,098,148	663,987,792	693,148,581		21.88%	22.76%	18.90%	20.18%
CAR BASED ON RISK PROFILE	9.80%	9.80%	9.80%	9.80%	CET 1 Allocation for Buffer (%)	12.08%	12.96%	9.10%	10.38%
CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE				PERCENTAGE OF CAPITAL BUFFER (%)
From CET 1 (%)	6.51%	6.65%	6.55%	6.64%	Capital Conservation Buffer (%)	2.50%	2.50%	2.50%	2.50%
From AT 1 (%)		1.49%	1.39%	1.38%	1.32%	Countercyclical Buffer (%)	0.00%	0.00%	0.00%	0.00%
From Tier 2 (%)	1.80%	1.76%	1.88%	1.84%	Capital Surcharge for D-SIB (%)	1.50%	1.50%	1.50%	1.50%

3Q23 Publication Report > PT Bank Negara Indonesia (Persero) Tbk

Earning Assets Quality and Other Information

EARNING ASSETS QUALITY AND OTHER INFORMATION

AS OF SEPTEMBER 30, 2023 AND 2022

(IN MILLIONS OF RUPIAH)

						INDIVIDUAL
NO	ACCOUNTS		SEP 30, 2023 (Unaudited)					SEP 30, 2022 (Unaudited)
Special						Special
	Current	Substandard	Doubtful	Loss	Total	Current	Substandard	Doubtful	Loss	Total
	Mention	Mention

1. RELATED PARTIES

1.	Placement with other banks	-	-	-	-	-	-	-	-	-	-	-	-
	a. Rupiah	-	-	-	-	-	-	-	-	-	-	-	-
	b. Foreign currency	-	-	-	-	-	-	-	-	-	-	-	-
2.	Spot and derivatives/forward
	receivables	-	-	-	-	-	-	-	-	-	-	-	-
	a. Rupiah	-	-	-	-	-	-	-	-	-	-	-	-
	b. Foreign currency	-	-	-	-	-	-	-	-	-	-	-	-
3.	Securities	13,607	-	-	-	-	13,607	7,759	-	-	-	-	7,759
	a. Rupiah	13,607	-	-	-	-	13,607	7,759	-	-	-	-	7,759
	b. Foreign currency	-	-	-	-	-	-	-	-	-	-	-	-
4.	Securities sold repurchase
	agreement (repo)	-	-	-	-	-	-	-	-	-	-	-	-
	a. Rupiah	-	-	-	-	-	-	-	-	-	-	-	-
	b. Foreign currency	-	-	-	-	-	-	-	-	-	-	-	-
5.	Claims on securities bought under
	reverse repo	-	-	-	-	-	-	-	-	-	-	-	-
	a. Rupiah	-	-	-	-	-	-	-	-	-	-	-	-
	b. Foreign currency	-	-	-	-	-	-	-	-	-	-	-	-
6.	Acceptance receivables	-	-	-	-	-	-	-	-	-	-	-	-
7. Loans and financing provided	976,098	2	-	-	-	976,100	307,830	471	-	-	-	308,301
	a. Micro, small and medium
	enterprises (UMKM)	-	-	-	-	-	-	-	-	-	-	-	-
	i. Rupiah	-	-	-	-	-	-	-	-	-	-	-	-
	ii. Foreign currency	-	-	-	-	-	-	-	-	-	-	-	-
	b. Non micro, small and medium
	enterprises (Non UMKM)	976,098	2	-	-	-	976,100	307,830	471	-	-	-	308,301
	i. Rupiah	976,098	2	-	-	-	976,100	307,830	471	-	-	-	308,301
	ii. Foreign currency	-	-	-	-	-	-	-	-	-	-	-	-
	c. Restructured loans	-	-	-	-	-	-	-	-	-	-	-	-
	i. Rupiah	-	-	-	-	-	-	-	-	-	-	-	-
	ii. Foreign currency	-	-	-	-	-	-	-	-	-	-	-	-
8.	Equity investment	-	-	-	-	-	-	-	-	-	-	-	-
9.	Other Bills *)	-	-	-	-	-	-	-	-	-	-	-	-
10.	Commitment and contingencies	10,316	-	-	-	-	10,316	2,942	-	-	-	-	2,942
	a. Rupiah	10,316	-	-	-	-	10,316	2,942	-	-	-	-	2,942
	b. Foreign currency	-	-	-	-	-	-	-	-	-	-	-	-

*) Among other things, it consists of unaccepted sight L/C or usance L/C bills, travel checks purchased / taken over, advances to customers, collection bills, bailouts in the framework of government programs.

3Q23 Publication Report > PT Bank Negara Indonesia (Persero) Tbk

Earning Assets Quality and Other Information

EARNING ASSETS QUALITY AND OTHER INFORMATION

AS OF SEPTEMBER 30, 2023 AND 2022

(IN MILLIONS OF RUPIAH)

							INDIVIDUAL
NO	ACCOUNTS			SEP 30, 2023 (Unaudited)					SEP 30, 2022 (Unaudited)
	Special						Special
		Current	Substandard	Doubtful	Loss	Total	Current	Substandard	Doubtful	Loss	Total
		Mention	Mention
II.	NON RELATED PARTIES
1.	Placement with other banks	21,416,998	-	-	-	-	21,416,998	21,370,009	-	-	-	-	21,370,009
	a. Rupiah	488,053	-	-	-	-	488,053	1,158,458	-	-	-	-	1,158,458
	b. Foreign currency	20,928,945	-	-	-	-	20,928,945	20,211,551	-	-	-	-	20,211,551
2.	Spot and derivatives/forward
	receivables	812,444	-	-	-	-	812,444	707,406	-	-	-	-	707,406
	a. Rupiah	196,991	-	-	-	-	196,991	197,805	-	-	-	-	197,805
	b. Foreign currency	615,453	-	-	-	-	615,453	509,601	-	-	-	-	509,601
3.	Securities	134,761,604	-	291,242	-	245,364	135,298,210	132,432,758	-	280,545	-	247,374	132,960,677
	a. Rupiah	98,165,111	-	-	-	245,364	98,410,475	89,132,208	-	-	-	247,374	89,379,582
	b. Foreign currency	36,596,493	-	291,242	-	-	36,887,735	43,300,550	-	280,545	-	-	43,581,095

4. Securities sold repurchase

agreement (repo)	6,653,593	-	-	-	-	6,653,593	3,234,248	-	-	-	-	3,234,248
a. Rupiah	6,299,772	-	-	-	-	6,299,772	1,461,295	-	-	-	-	1,461,295
b. Foreign currency	353,821	-	-	-	-	353,821	1,772,953	-	-	-	-	1,772,953

5. Claims on securities bought under

	reverse repo	4,414,985	-	-	-	-	4,414,985	1,799,288	-	-	-	-	1,799,288
	a. Rupiah	4,414,985	-	-	-	-	4,414,985	1,799,288	-	-	-	-	1,799,288
	b. Foreign currency	-	-	-	-	-	-	-	-	-	-	-	-
6.	Acceptance receivables	20,416,286	-	-	-	-	20,416,286	20,159,873	867,975	-	-	-	21,027,848
7.	Loans and financing provided	618,965,591	30,105,734	1,664,854	2,313,133	11,113,168	664,162,480	573,296,797	26,588,876	3,450,386	2,258,669	13,126,554	618,721,282

1. Micro, small and medium

enterprises (UMKM)	107,782,855	4,976,074	524,453	1,147,830	3,827,817	118,259,029	113,687,095	3,818,847	378,210	742,938	3,350,223	121,977,313
i. Rupiah	106,325,894	4,976,074	524,453	1,147,830	3,807,625	116,781,876	112,529,029	3,778,687	378,210	742,938	3,350,223	120,779,087
ii. Foreign currency	1,456,961	-	-	-	20,192	1,477,153	1,158,066	40,160	-	-	-	1,198,226

1. Non micro, small and medium

	enterprises (Non UMKM)	511,182,736	25,129,660	1,140,401	1,165,303	7,285,351	545,903,451	459,609,702	22,770,029	3,072,176	1,515,731	9,776,331	496,743,969
	i. Rupiah	395,197,708	15,610,777	1,011,352	1,165,303	6,308,911	419,294,051	349,665,388	14,042,761	2,093,494	973,347	9,303,536	376,078,526
	ii. Foreign currency	115,985,028	9,518,883	129,049	-	976,440	126,609,400	109,944,314	8,727,268	978,682	542,384	472,795	120,665,443
	c. Restructured loans	50,592,311	24,478,419	1,039,787	1,114,585	3,680,816	80,905,918	73,978,741	22,578,331	3,170,185	1,612,675	5,713,017	107,052,949
	i. Rupiah	41,835,727	15,295,768	910,738	1,114,585	3,485,662	62,642,480	65,686,382	14,287,543	2,191,503	1,070,291	5,405,229	88,640,948
	ii. Foreign currency	8,756,584	9,182,651	129,049	-	195,154	18,263,438	8,292,359	8,290,788	978,682	542,384	307,788	18,412,001
8.	Equity investment	16,442,313	-	-	-	-	16,442,313	14,468,518	-	-	-	-	14,468,518
9.	Other Bills *)	18,001,891	-	-	-	-	18,001,891	19,593,060	-	-	-	53,446	19,646,506
10.	Commitment and contingencies	130,726,864	2,460,689	54,639	81,363	536,037	133,859,592	120,034,557	3,104,435	36,324	70,349	466,214	123,711,879
	a. Rupiah	82,120,333	832,564	54,639	81,363	536,037	83,624,936	82,923,860	682,577	36,324	70,349	466,214	84,179,324
	b. Foreign currency	48,606,531	1,628,125	-	-	-	50,234,656	37,110,697	2,421,858	-	-	-	39,532,555
III.	OTHER INFORMATION
1.	Assets pledged as collateral						-						-
	a. To Bank Indonesia						-						-
	b. To other parties						-						-
2.	Foreclosed assets						886,112						1,332,696

*) Among other things, it consists of unaccepted sight L/C or usance L/C bills, travel checks purchased / taken over, advances to customers, collection bills, bailouts in the framework of government programs.

3Q23 Publication Report > PT Bank Negara Indonesia (Persero) Tbk