New Look STSWASy Laie New Hope Annual Report 2004Daftar Isi | CSejok cllakukannya pemetann arah ppeialanan yang baru di tahun 2004, BNI mengalamiperubahan- petubehan besae yang ditorong leh kesadaran akan jt di, semangat serta harapan baru yang ‘umbut di ngkungen BNI bersama bbelasan ibu orang karyawanny, Prases ansformasi yang tengah bberlangsung di BNI menyentuh ‘etlap relung kesadaran koleket serta budaya perusahaan dan rmembawanye ke arah sal tujuan bbersama, Malu transformasi ni, BNI terus bergerak untuk menjadi sebuah anchor honk nasional yang ‘merupakan kebanggpan bangs dijajaran terelepan industri pethankan dengan pemohaman intuit skan kebutuhan pasar yang kampeutf dan cinamis The Winds of Change Since shorting anew course of direction in 2008, swseping changes are taking place in BNI, mainly even by the new sense of identity, spint, and hope that are ‘emanating from within the Bank ‘and among fs thousands strong, personnel ‘What is happening inside BNI is @ transformation that i designed to ‘touch every fabrics of the Banks collective consciousness as well 2s corporate culture, and setting itofftowarck a common geal Iisa transformation that will ‘eatablah BNI as an anchor bank in Inconesi thats the pride of the ‘eure nation - leading the industry titve understanding of theneeds of a competitive and fast ‘changing market.(ai Semangat di Balik Identitas Baru Kami Identitas baeu BNE bukanh sekedar polesan Identtas Datu tersebut dancang untuk ‘menceiminkan semangat dan borakter dart erganines yang cla Lebih doit, ieritas tersabut juga bercenta banyak tentang BNI dan usaha yang lialankannya. kdentitas baru juga smencerminkan aspirasi dan nila kami, keunggulan perusaaan dan warisan budayanya, wavasan Global seta parspeiif yang a, platform perbankan dan jalur clstibus yang beragam, dan yang paling penting, posisi dan ‘ara baru yang ditempts dalam ‘mengupayakan tujuan kom ‘untuk Kembali menjacitan EN sebagel bank atama dl Indonesia kebanggsan seluruh bangsa The Spirit Behind Our New Identity BNFs new entity snot just a mere facelift tis designed to reflect the BNI brand which in turn encapsulates the sist and ppenonalty ofthe cxganisation behind such brand. Not only tha, cour brand also project many things about BNI and it businesses. About our aspirations and belies, cour corporate strength and national heritage, our internati outlook and bread perspectives, our versatile banking pltfon andl product deliveries, and perhaps ‘most important of ll the new positioning and direction of our organs goals to become, ance again, the flagship bank of Indonesia ~ the pride ofthe whole nation. 3s Wie pursue ourSET Ness) eee us ey el Look Pear ater tet erat rear ete aren ‘tora dan hes NM, stags tap enacted men ‘dan ma ener pres Huesca rata sshingge monger Tralee eb us San eee becuse deg oie ‘Sinbad melambenglan thor bed Bh clan mencersikan esha er mand pS pa dota nn hn nel yan cal deg 5 a apa BM has. ra waa ack Methne BA yang ba meet san ter dan en ese case er fn aye, Wa tye arg ih can wenn a sal an Ive sss cree ert li pyMisi 2008 ____... ‘Aladin Bank neice, 2013 ............. Alen ak pasar 2018 ........- =: ang aa dary nan dan es Tobe a fankths lindnecanecan be proud, lensing in senaran peinVeer CTSeon semanget habercamaan ong han in songot ern ante sebagan bes het 180 orang kanauan AN Seah eli esti, eval a ‘repos samangat bar tenebat scare ede cli Hoe BN rerun herb satus seb bank ams {geri —sebags anchor bark ang koko dan anal jaan tercapan ind pankan, yang men! keegan ‘eb tanyanan dan stent ray, Semanga ang ar da warn sah eg al din gaan ac Teh or arergah bad sph tered Infonet tba terse aan ‘eh bar yong tla caanghan BN ‘a aan aang ‘Dongen teurgeuin powgalmany leteampie, pap, ona Si ‘alligus ecermain cam mela, WIM marian aah parson ig eer indo song tera! 18.603 emalyees that ko up the ank snl of BL Mesnew sp coletvely expresses the comméments of srestturedraliod fpr BN ec ssa 8 the fat an feremest bai in Une ezeity Stony and rela anchor that esther a yt i re song treplayoc, ta bacarethepide Isa qlee has eatiom a pead stag eget rts bak ve falfacemry tthe eth of anion and Continues 0 quo xy wth new deacon nd pape Canigst rom exer, abe with ‘sparta, wan paterson, Inova siden, yet prudent action, BN i fly ulgped ota teptes sang singthera erin acho bn clam Ireangka cet Barnes siekurpetbasan rene mass oan Nts so perbonkan Sebo bork lebngguan nso yang maya ‘alt inane danganIcbanggann dan pershuman pasa yang era et jeu da yarn yang ung, Nl rdayanisetiap seamen pase denon sas persian can atrgan yang ep chan enya ‘Dengan hesiasanaharmenistanyanan yang ‘ees, BNI fous & pase peor Usher mendargun unogula amber loa mana, seta mene prc she yan bsgal ant phen est tind, I mae Komen ec ap stats hevangan cin prune [angi parang yang berean.tancem frenenerkot the Bark indore bp teeth hur nderpe of ened bering NI Sa ead hein by a bn thats the pide! there pl evn Innes wlth de ane an tate erasing of mkt. Daven ty pan ta pine sper Froduets nd eis BN fers Bath futon and wanes barking ant faci ‘ein ey eng sep. loc by dagatc personel are tare, NI cies othe ral barking mma, nesting neopets and proce tht dd rly eae ts the potered bak nnd Ihe Hn commit pitas frail subi and org tern growth fr teint of. takerIKHTISAR KEUANGAN Financial Highlights hb ta pe cet > ME 2002 OD tl nga weap ‘un ever ncn SEATEMIENT apart Tene vase sam aa Tet wes Beans aan erat eee enon Para Beh cae ettres ete Aomane psi ase tan rear 00 Ferg ae extn Curae ei PHP 2m terse Rat Opera Lars Sime Tess Teele ter Operate st Fereaaatit Openers! fiat Sagas arr ‘erage tun Ops teat are olin aes ne) ose plea tagaroe encaatin Operators aly ms “ae ies 8 et bperting esr ue Ner-opi bce! fcr kan epson er ae as ‘perc {bs scum tafe Sra 2st am rnpne aoe he ‘Then ras reson ay ” reatn eas ae ibs teh Seah Pak Phase ‘rok 2a a Met iene Ta Hikvanontas ary me a es ta) era races 1 . 4a) se ubsanas meeaca BALANCE SHEET os Crs do ere rom) Te V7 Gar, Care Acca satis irmre e sara Su tates 08) simu aes eter Seco eva Eee pg eran 95) sive sie toe 99 Shigat Ment idas cater cover nc ‘i sive ass ides “oe ava Senay fasta niga a0 Depoat tm Cte igen ng Ora (exoting se te “Sat ekg arg bakes ys wn Mon 503 ‘antes nat Eger Send Bae N08 Scheele bt Tae ean was WME 200 oad “fu is fk vives é ? oe esa beret ihe omega are gat to won Tite io ane oar toe tin ee ‘i Ran Ne arg ae Noniieasitacone Tends crams) Dette ames mee tosses pera ec Sana Tots anh Sipe Fetom seme Seow Same lan peat to tse tanaan econ Med nea AK) Yates Mee zee 1Ste, aye ein toe oe yp aah heen 3 we fon Pe Soe PS? (24510 LAINNYA HER RATIOS teiser vine 'kne aan uM Te cass RR, RISA LITRE Ioan tee roel NESS ays Opeainuindiystn estos Brie GON Se pace as asapan Open Basha a) a ae Nets FON) Tos Mien Baro Hw) “Kegan peer abel gk egnatan tel gg "Degen tartnsaabungen dg Rewer ‘stone se 6561.04 122,787.08 1201088 "3008 ‘Speen are eSpace! tendo etopen ramen 4) Tes and O) Nene atone nl abe and gph ae Lg “aerate anata aIKHTISAR SAHAM Stock Highlights Tage a Tor ee Cian 004, 2008 eee Porn Tosi) Tgtige Poulapre Peden Teh gy eataowe Tinian | 30011501325, 4575 13s0 18755428 Ist uae lela ays .02s 1.375 3B 1380 3A2S 2925 rs unter Than ors ors 1.300300, 975980 agPs 100. Cues Tomson 4300 1.978 47S) NAIS BG *1278 BADD 8.300 th Guar or Tar tame (aes pet 2004, 2003 ms Higa Leta 1750 Baz Tighe Pica Hag Tree 028 Las Lene Pe orga Pada Ahir Tabu 1,815 xa Yrs Pee Lae Seth pe Sha 76) 3 Taming pet share ‘cian Bd Biaden Biden Taio Toros Ponbayarn “ lon wir sh) perkemborsahoe embayaran den ‘ania nie Polir Chin fect Oden share rides ayo Orion Pye Date ti a ‘on i Sea Ta) Oo nal par 6 tne Tae 1 F 2001 3 sais Soot 001 netic ve 220802 ee vaste seat Someta? net Nev, 2000 Sat es an stot 2008 setieeme Mp2 20 detain Foon Tintin AT maePERJALANAN SAHAM BNI BNI Share History 4+ Tatu 1996 BN medaka Peary + In 196 BM undertook nl Puse Sahar Pena dengan neat eng (0) though «cp ‘aher Bra eka) dan Ising he fete ter acho Bent Surabaya (9 dengan 091 arcithe Sula Stock charge foe set ABM Junta sar yg (SK these cose ol IN, A death ebay 340.128.000 fot 4340 128,000 Paes wee eta gan ntl 00, Da Intech a parva of DM $0 pe [ua eeu, abr ser 9 shred te pe por oan AanaskanKepade mayrsatschonyok of 808) 80 cla 9 she 1685032000 esubersaba ae stay repensing 25% of Ueto te 2 dadahor teraz Haga porana share Those dares were to yun retake osyrat ‘ve pai a ial ie of OR 850 pasa PO tangas 25 November per shawatthe meth HD on 25, onceebesor p50 ferlowbarsatam ——Nowiee Yat yond 199%, ts pd abit 1996 ftp plate coving pice ofthe BI haere pls 1258, toa yas ike sonom! akin 188 membnat +The esnomle io 198 aed ‘ney agin to pers ch lathe decning perermance of mary Irons tcp rsh NL Ideresian baivenes, ele BN Pema kali cia In espans the Govemenserbaed prorat’ on atcoiltaton progam bt he esonalyong ditermlahiPvturan, ptt rk enon gtd Pay No, 84 Tn TOFS san Uh Govetaent Repaon N 88 Pregame ark Ura 211998 concn the Aeapaltin Pesaran mukmengica progeny —Pogrammetor Commerc ans ‘ehystalne tensa Stephon The equator prlption ‘dasa Kepituan Besars (KI) ie Reaptalistion arograrie wee NeniriEoangon dan uberBank esha th the ls Dec ion Incomes, S3/RMLOIZ/1999 dn Lete (KID ofthe Winker onan No AUIIKIPICBI tangas Rent snd Caner of dander Ne 1900 tang Pie Rapa NK.O12/1999 wl Mo. SUT2NETIC snk nm Preamp ses ebnty 1969 concern the fk oil Ne tr ds Aecaptlnaton of Canna anh Peratrmn Peres No 32 Th ‘he eeptasation FT Bonk Nes “010 etary Rb Bonyotaas ——_nkresa Pere} Tok. ava St [eat Negara epi Indonesia ke ‘rane an was rade parse (Adan cal" Unk Negartrcomns——Covenment Angulo Mo 423 1098 (Perm oh yar pltsaanirys ‘ the Addon om datur clam SKE Meri Kegon dn ety Faken aed atone! ‘error takes No 887 father tough the eof the her OAKOTT/IVES dno. LONKERSGH of france nom o Bark tanggal 29 994. Tanga 30 fn Inder No. SSHMEOITT 989 ard 1296, Rapa Anan Pamexng Sanam No. TIDIREYCA det 27 aly 1922, Luar Has RUBS) BN mer (Se lane 1289 the Eataedany sialon nya Penaeaan Urwn ‘rnc Meeting of Shnchobier Tests (hs ie Ibe ah EGR) IM append hearsebargek baayacye Rp 32h tn menor Atbeertian Cah dec fates CM mba 8, alan ps 00 BNE a a sahum Bary sanyo ona 18104 480.00 lonba dean feo 135 beep pereang a shar bea rerun hak ni rmembet 3 shen bana ser cP sega ls sil R25 do has. erent 347, Spe aia Dak Forno cmt br orp (Sana mays brea 234 le ‘1a 649% dc tea ae yng dha, dan seany bea ta peer sera pets epeniln pening: dr 28 monje 98,87 carom pith on iene 119% Fala sii han 1999, ahora pea ose Rp 30 4 terdnarka tte gece Ach Ardea tng feb 270K mh med yarg aperae tk inevpabtern CARS 908 en 8th, igh 89 ia a Fetbtungor ener Re 238 alu Une, debtan Perscur Pensa No. 32 Tahun 2000 angel 30 Me! 2000 yang ainda one pera sah se Tp ak Mewes tas Tee ala (UR 10) tay 46 946404 1 rte dengan min 7 dan nang pensar ip 200 po sham yng bye ‘hana rl ll Psa Fementaichepemibhan Bente mening 9887 mek 90,12% ndanahanbeperalan publ ssn Saher BM cp ps erga 98 ah tun 2000. 1+ tera hae Bier settee tng 30 ans 08, jh at Kebatvhan eas BN adc sez 1 lan, so rapt Reba eran Pitta cbs Rp 630,60 soil hla HS ogg 25 js 2067, prin carn yt nga tor Pores Senna perqumban lig ernie, ings ped ‘hata eat pensrunan moda rai Perea cla juin ong sare of ne shares though igh se for staan apa dec (of he Bigs ue | Inu 131.908.480.000 new chases ith a 1:35 atic ote of ne extn share hos he Aidit to pacha 4S pow ds € sir vethapareah of IORZS po re see olen pice oF IDR A758 par Shore This ed ator of 2 bln aio gay Ram the pul, arountng ord the sme cinco we the seraneg amount ver talen up bythe Goverment, A ett th porion Geyer sharceldng ceed sharehel wae 1.196, AL yearend 190, the kang ples fc BM shes (onthe asscta due digence tected by Air Aachen ot Debye 7, aman at iat eed ch CAR eID 61. te, an ation of shure of IDR 2.Atrllon, sca, fegultlon No. 32 Yea 2001 hed 90 May 201 thal a lene bythe fswnce te clas Core oat sere age (ALTO) eeu ae oF I an ed DR 10) tebe olered fr pce ‘i by the Gememine. The tien fl Samcn from 98.87% W921 Ze pbc hareelng care DABHE Ae eat ‘2003, te coin pice er BN sateen, Foden fuer due tence by theft amu BM rape lshedat Rell tlle, salting Fr a8 open the {11D 630.1 ios, the cerca Mesing of Shathoklen ‘2 fe 2001, the dake approved pager tre form Goveraent ton, ring bs aconrspondiag reduction ofthe ents euly bythe smePessoa eerie Rowen turn era 90.118 sagan egemtaan many mena 8h. ‘ir taan 7007, args BN tua pata pi p90. Selatan 2002 tik ade : Psubshon ueuk Cana lerbar akan upon pss peslian tr Pemenrsh dav mesjaa, can tap pone pd 170 Pd tlctaen 201, IN ein = ner ck pt cen a 187 (0S 28m rel | arbaresham) ag bagaerer at nrsina ngs si, Sr 28 ‘he serail neil bans stb ip 7 $60 sana sa sxe Crenadip 378, Toller sahara 13.251 87 400, ya snp Asbanyak 1 embaronay,sB ‘ebony Ja ea dae ‘skarj 12902,345538 nba fh tatupyoxsanga ip 1300. Pd tun a0 hakaapebuan isla er slr eupen Psscma hese Petia aroun the pati ct Coverent shared ‘ete pute sik bean Frio Osha is OR wy nen cel 98.17% Dus the yar 2002 hee mse v0 ‘anges ote amount of has othe ompein l Gomsnen ad pb shares, nce sing peor NI des HES yearend 702, IN wadetooi a reves sock tenth 9753 (1S eaves cee 1 har) ts ‘lasts hass have nw pa val FDR 7,500 ser sre wil Ch share hove a parse a 328 per share ts itl nani of ess 11281 68,00 shee comprting | shares ad 12092 345,534 Clas share Repeated}, te eg lar er Wars as IDE 00 owing the rar 2004 He m6 90 ange ote ott of hans othe composts of Goverment ard pub pnts tgs ew pads hry ere 04h Crupsl2o fener ney Snot ss spin ar wera enone seatemcinoincror a ve he 7 wnt doe . BS. Sew Rapeacaie™ Ed See = = = wow Rac Reomae ESRB = = See” BER eta sat speed HIE oa ow buon 20} tse) Ba woe bent sot aur Hi resets we{toner hep sara erga eters Jerome Kaban sir ok eat Maras depusth et, ‘Erna BM Stn ep Bok Felecan alr sien posernann pevbaparan Weve al bt ee fmeseanepaa oz 2stetreas 2000 fitter soe dagen irae Aerts etiam Ay ard 226 Fetruat 2008 iNebelse car engin HSB dan o3 is mtoret 200" [mean esa Genoa Yaya Bane Tah car angla eringlatan eras du ga geo 19 Maret 2008 [xtmangadalon top sana clngan FT Serece Cui Contre none une sare 2004 Bmore ke sar dengan 1 Permodn Neal Maré NAD Shes Feinganan Bonk Peer any sera PERGARNDOY, ca Pengombangar aha sea kel dt {tomencatan prod et KILAS BALIK 2004 2004 ina Flash Sl ern he rc Josten ae Prranfgits of hs est Suing Hantor the payment rapt fore ous Bide Bn get neritas Adalas an Pity Sed propa 26 February 2004 Te inen 2008 [NI ccopertd with the Dawa ahi ‘rag and ceased Bh erpayes. 19 Maren 2008 ANI apne PF Sahay Cane India to halpirprove Be serves 25 mara 2004 Ent ceopeitd wth PY Pemex, fants PAROS),04. 20 fot 2008 htbcheqa mms dengan ost dalam ‘ego cobain eat Marx ang at kr beta same dengan Unitas area ethan areal Crd Pram iy Cd seta ah tan ‘abslummaberama Unhertae aly 12 Apes 2004 {NI ibs Sr maaan dan tun Yang st dengan peintsah pred Gadi Sr os. zac 2008 Braman dengan eigen ts Penialan San EN relic BR SHDINAS pre tabungan peda sMet7004 Ml mewelergoealan Rape Umum eee Sahar QPS) Tabanan dan 26M 2008 Bt tera cena again Departmen Terage als Repl Sten dit Tenaga Ra onesie tap ‘sos 3 nl 2008 Ei reveclargi ha se drge Pruvtapen unt meal otra ‘ATH ENT da gan ATH Besa one ‘lla Arabs, TNiuinderteck cosberding progtane ith dnt relving he don nd th cred ar, 27 Apritavoe eee op Unie sts aati Ign treba Pca Cae. Sei ‘tay Capo amnes have Cretan nth Unters Brey 22 Apriian04 Te Shara Shing Divi of faba thames ah the Inching haa ld Porn, Taaay 2008 in conuncir wth conenertation ot National Ecaton Day Nach De The BN TARAS on sacar sat 4 aay 2008 Tileements eA Gerera Eta ony (Cove! shubories ting 2 toy 2004 fhe Repu of moncska Irclonesan mgrant wares vary AB ae the A Berea ek oF