BNI RACE

Digital Transformation
By : YB Hariantono

16 Des 2021

PT. Bank Negara Indonesia (Persero) Tbk.

PT. Bank Negara Indonesia (Persero) Tbk.
#BUMNUntukIndonesia
Corporate Strategy untuk Mendukung Digitalisasi Bisnis BNI Kedepan

Profile BNI Corporate Strategy

2
BNI Corporate Value

3
BNI Digital Culture

4
Roadmap Pengembangan Solusi TI untuk Mendukung Digitalisasi Bisnis BNI Kedepan

Digital Business Landscape on BNI view

Pengembangan akan fokus
pada 3 (tiga) hal utama,
Product Digitalization 1
Product, Digital Channel dan Develop and reengineer all products and
Open API business processes to be straight thru and to
be digital ready

Products
Customer Digital Platform 2
Development of e-Channel & Digital Platform
to serve customers and improving
engagement thru expansion of use cases
Bank 3rd Party leveraging digital ecosystem

Banking service in the

3`
Digital
Digital Ecosystem
Channel Reaching customer base outside the bank
thru digital ecosystem and platform and
providing banking services to the indirect
customers thru Open Banking/ open API
services
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 1H2021 Digital Initiatives

Bimodal Business Model to combine the best of two worlds

+ Access to public funding
+ Sticky Customer Base
+ Wide range of financial products and
services
+ Deposit guarantee by LPS
+ Long track record of Credibility & Brand
Equity
+ Lower cost of fund
Fintech Player
Conventional Bank
Balanced battlefield + Agility of system to adapt to changing
trends
+ Online ecosystem
+ Automation and cost efficient operation
+ Highly Convenient and Millennial friendly.

1 2 3
Focus Area of Develop Digital-
Leverage Digital
Digital Digitize Internal Native Products and
Ecosystem with API
Platform modernize existing
Transformation Open Banking
services
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Solusi Bisnis Unggulan untuk mendukung bisnis BNI
End To End Credit
ü XPORA
Solusi digital yang mendukung pengembangan UKM
ü DPMS
Digital Pipeline Management System
ü SMARTCA
Solusi digital proses Analisis dan Restrukturisasi
ü CORA (Credit Otomation & Risk Assessment)
Solusi Mobile Approval BCM 3M dan KUR
ü SmartDigi (Digital Loan Consumer)
Solusi pengajuan DigiLoan via Mbank
ü BNI X PayLater
Pemberian dana pinjaman digital platform
ü IDEAS (Scoring System)
Melakukan integrasi eLO BCM s/d 3M, Elo Konsumer,
Elo KUR, BWU, Cardlink dan Eform CC & Smartdigi
M-bank dan I-bank
Inisiatif TI untuk melakukan pemenuhan
kapabilitas Omni Channel Experiences terhadap
layanan digital
ü Biometric
ü Cardless (Payment by QR or NFC)
ü Based on customer's needs
ü Open Banking
ü Robotics Pocess
ü Customer'S Big Data
LOGO
PERUSAHAAN
Digital Service Tematik Ekosistem
Peningkatan kapabilitas jumlah API Service yang telah
dikembangkan untuk kebutuhan ekosistem digital tahun
2020 sebanyak 245 menjadi 348 pada tahun 2021.
Ecosystem pengembangan :
ü Retail & Payment Service (ecommerce, fintech, p2p
leanding)
ü Wholeshale Service (BNI Direct, Trade Finance, Wealth
Management)
ü Core & Legacy Services (core banking system, kartu
kredit, dpLK, perusahaan anak)
Penguatan
Solusi
BNI Direct
Melakukan continuously digitalization and Additional digital feature:
ü Kemudahan kepemilikan akun BNI direct bagi nasabah korporasi
ü Pembukaan rekening giro dan deposito secara online
ü Layanan trading, buyer dan seller bagi nasabah korporasi
ü Fleksibelitas perhitungan dan monitoring bunga bagi nasabah
korporasi
ü Integrasi backend, BNI trade portal dan trade platform GO-trade
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 1H2021 Digital Initiatives

Leading Open Banking Ecosystem

BNI Open API We optimize all three possible roles in every ecosystem
https://digitalservices.bni.co.id/

Present the Provides services to the

Use the partner’s
comprehensive offer of partners so they can
platform as a channel to
the ecosystem through potentiate their products
sell bank’s products
a platform
» BNI API has a total of 283 services,
Play pivotal role within Partner with e-commerce, Customize bundled solutions into
the most compared to peers
ecosystem by providing an lifestyle companies to sell new products in collaboration
integrated holistic solution, deposits, loan products with partners
» Utilized by 4000++ partners such as government,
education, health, commerce
» Recognized Globally

Won the Best Overall Devportal

- Community Prize in 2020
https://devportalawards.org/winners

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 3Q2021 Digital Initiatives

Mobile Apps Transaction Value has just surpassed ATM's

Quarterly # of Transaction (Mn)

# User (in 000) Transaction Value
(in Rp Tn) 180 410 403
46.6% 160 375 386 390 380 379 374
YoY 33.4% 140
354 350
364 354
YoY
120
95 109 112
92
9.965 447
100 79
6.797 335 80 63 69
4.337 59
186
46 53
60 36
44
Sep-19 Sep-20 Sep-21 9M19 9M20 9M21 40
Mobile Banking
20 ATM
# Transaction (in Mn) Play Store Ratings 0
4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21
49.4%
YoY
4,7/5,0
315 Quarterly Transaction Value (Rp Tn)
211 4,7 4,0
90 3,8 3,9 200 180 177 178
166 173 167
9M19 9M20 9M21 Sep-20 Sep-21 148 152 156 149 154 160
BN I Avg. Peers 150
149 137
Users are getting more active in using BNI Mobile Banking … 131 138
100 114 117
# of Transaction per Avg Transaction value Retention Rate (%)* 103
active user per month (Rp Mn) 88
50 69
56 61 Mobile Banking

1.42
89,0 43
11,7 79,0 ATM
10,3 -
4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21
Jun-21 Sep-21
Sep-20 Sep-21
* % of users who return to perform transactions from 9
the previous month
3Q2021 Digital Initiatives

Solid Digital Solutions for Business Banking Clients

# User (in 000)
Immense room for growth
18.8%
21.9% Penetration rate of
Business Banking clients
YoY

70,4
59,2
42,4

3Q19 3Q20 3Q21

Transaction Value (in Rp Tn)

7.2%
YoY
Various digital channels to help
customers make transactions 2.866 3.071
2.157
whenever, wherever
3Q19 3Q20 3Q21
Cover all client needs in one
Online Bank Guarantee Integrated Portal: # Transaction (in Mn)

https://bnitbs.id 113.1%
YoY
Payment Value Chain
Management Management
Collection Open Banking 297,9
Management Solution 112,9 127,8
Liquidity
Management 3Q19 3Q20 3Q21 10
 3Q2021 Digital Initiatives

Reliable Transaction Solution Leads to a Sticky Relationship

190 188 189 191 192 191 194

185 183 183 182
Mobile Banking 169 163 160 163 165 170 173 172 176 180 181
50,4% 51,0% 51,8%
52,7%

user savings 47,4% 48,2% 49,0%

44,6% 45,4% 46,5%
balances continue to 42,2%
40,1%
increase (reached 38,4% 39,3% 39,6% 39,2%
36,2% 37,2%
34,9%
52.7% of total retail 32,7% 33,2%
34,0%
72 73 77 85 83 84 86 90 93 96 98 99 102
60 63 67 68 70
savings) 55 54 54 57

Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
2019 2020 2021
To tal Balan ce o f retail savin gs (Rp T ) Mbank users' saving s b alan ce (Rp T) Con tributio n from Mb an k users

Cash 191 193 193 194 195 196 199 201 203 204 207 204 205 207 209 211 206 205 215

Management
2,16% 2,16% 2,15% 2,14% 2,16% 2,09%
client’s average CA 2,03% 2,00% 1,94%
1,90%
balance continue to 1,60%
1,46% 1,38% 1,37%
increase leading to a 1,34% 1,33% 1,33% 1,32% 1,30%
favorable cost of
funds 163 165 165 166 167 168 170 173 174 176 184 186 188 189 195 196 205 195 201

Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
2020 2021

Averag e Total Cu rrent A cco unt (CA) Balance (Rp Tn) Con tributio n from Cash Manag ement Current Acc CoF YT D 11
Thank You