PT Bank Negara Indonesia (BBNI) investor relations material

Executive summary

• 9M26 results presentation cited record PPOP of IDR 27.5T, up 11.6% YoY, and net profit of IDR 16.1T, up 6.6%.

• Unaudited consolidated statements listed 9M net profit of Rp15.23T, down from Rp16.15T YoY; assets reached Rp1,481.83T.

• Loans grew 22.2%; LAR improved to 7.8% from 10.4%, while NIM fell 30 bps to 3.5%.

Financial highlights

• Results presentation cited operating income of IDR 51.7T, net interest income of IDR 33.2T and non-interest income of IDR 18.5T for 9M26.

• Unaudited statements listed consolidated net interest income of Rp29.25T, versus Rp33.24T in 9M25; profit before tax was Rp18.44T, versus Rp20.15T.

• OPEX rose 12.0% YoY to IDR 24.2T; CIR was 45.8%. 3Q26 net profit was IDR 5.36T, up 5.2% QoQ, and provisions fell 36.8% QoQ.

• Consolidated comprehensive income was Rp11.67T versus Rp18.57T; basic EPS was Rp432 versus Rp405.

Outlook and guidance

• FY26 consolidated loan-growth aspiration was raised to 13.0% from 8.0%-10.0%; 9M26 realization was 22.2%.

• FY26 bank-only NIM aspiration remained 3.3%-3.5%; 9M26 realization was 3.5%.

• FY26 bank-only credit-cost aspiration remained 1.0%-1.2%; 9M26 realization was 1.0%.

• Funding costs were expected to stay elevated through Q1 2027, without significant further worsening from current levels.