Peran Strategic Leadership Dalam

Menciptakan Digital Mindset

28 Juli 2022

Royke Tumilaar
Direktur Utama BNI

This presentation has been prepared specifically for BNI. The content of this presentation may not be used, duplicated or transmitted in any form without the written consent from BNI. All rights reserved.
THE WORLD HAS CHANGED . .

Disruption & Pandemi Covid-19 …and drove BNI to run a transformation

changed the banking industry landscape… with the spirit of #LompatLebihTinggi

BUSINESS DISRUPTION

Develop digital business &

ecosystem solution

Compete with fintech Fintech growth

Target the best customers &
PANDEMI COVID-19 prepare the customers to Go
Global

Changing customer Digital shifting Achieve a sustainable high

behaviors
performance & productivity

Digital attacker threat Cashless transaction

PA G E 2
WE BUILD DIGITAL CAPABILITY THROUGH COMPREHENSIVE FRAMEWORK

BNI Digital Transformation Framework

VISION*

UNIQUE VALUE PROPOSITION (UVP) 2025*

Provider of digital-based integrated financial solutions with international advantages

BUSINESS
TECHNOLOGY PEOPLE CUSTOMER
PROCESS

Next Gen Tech Culture Customer Lean

Experience Mengembangkan
Mengembangkan Optimalisasi Orientasi pada
business process
Risk Mitigation
Cyber Security
generasi teknologi New Way
resources of
dalam pemenuhan
Simple & Easy
Working untuk lebih
terbaru dalam menjalankan kebutuhan
Reliable Flexible
mendukung digital digital Secureuntuk
customer
transformation transformation

STRATEGIC LEADERSHIP

DIGITAL MINDSET

* Based on Corporate Plan BNI 2021-2025

PA G E 3
DIGITAL MINDSET BECOMES THE PRIMARY FOUNDATION TO BUILD DIGITAL CAPABILITY

Learning Agility
• Growth Mindset for Digital Transformation
• Resilience in Learning
• Personal Growth

Enhancing Current Capabilities

Data Influence Focus on current capabilities e.g risk, credit quality
• Relevant and Insightful Data
• Balancing the Use of Data and Intuition
• Anticipative Thinking

Digital Job Shifting

Innovative Capability
Mindset Capability shifting from current business
• Agile Intrapreneurship
• Innovating Based on Pain Points
Enhancement model to future business strategy
Intervention
• Bottlenecks of Innovation

Collaboration
• Becoming an Effective Team Player Building New Capabilities
• Productive and Positive Communication
Prepare for future capabilities align with
• Proactive and Cooperative Teamwork
corporate strategy e.g
• Data
Human Centered • Analytics
• Valuable Human-to-Human Interaction • Digital Ecosystem
• Digital Empathy • Strategic Partnership
• Customer Oriented – Customer Experience

PA G E 4
THE ROLE OF LEADERSHIP IS CRITICAL IN DRIVING THE STRATEGIC IMPLEMENTATION

STRATEGIC LEADERSHIP
HEAD HEART HANDS

Define clear vision and Inspire and empower Adopt agile mindset and
focus on high impact people execution

• Craft a clear integrated strategy
with detailed planning
• Transparency on target and
initiatives
• High commitment from CEO and BOD to
drive transformation
• Understanding & sense of ownership at
every level
• Put the best people in the right place
• Collaboration each others
• Involve the whole organization
• Discipline & regular stand-up
meeting
• Dashboard & project monitoring
• Commitment on sustainable
improvement
PA G E 5
WE ARE CONTINUOUSLY IMPROVING INTERNAL PROCESS TO BE MORE TRANSPARENT & EFFICIENT

BNI Move BNI DigiSales BNI DigiHC

Small Loan Processing Apps
• Data Leads
• Collateral verification
• Agen46 referral
• e-form supermicro
Sales Management Apps Employee Management Apps
• Leads management • e-absen
• Acc & customer management • e-payslip
• Performance management • e-relaas
• Marketing management • FInancial detail
• Subsidiaries integrated • Performance Monitoring

425 User 2.2 Thousand

user 27 Thousand
user

BNI DigiCS Biometric Agile Organization

Customer Services Branch Supervisory
Machine authorization L.1
• Opening Account • Enrollment L.2
• E-channel activation • Opening Account
• Debit card L.3
• Account Maintenance
replacement • Customer transaction L.4
• TapCash card selling
L.5

466 Thousand
machines
9,324 user
Make lean organizations in
order to speed up business
decision making
Pool resources on workload-
based to optimize employee
value

PA G E 6
 WE ARE COMMITTED TO PROVIDE POWERFULL SEGMENTED DIGITAL CHANNEL

Integrated Mobile Banking Apps Institutional Digital Apps (BNI Direct)

One Stop Comprehensive Financial Solid Digital Solutions for
Solution for Everyday Needs Business Banking Clients
Excellent Features Development

» One Digital Wealth

Integrated Portal
» New UI
» Biometric Login Management https://bnitbs.id

»
» Account Opening » End to End Digital Loan
» Loan Application » Digital Lifestyle
» QR Payment Total Solutions include:
» Personal Financial
» Investment Management ▪ Payment Management
» Life Goals Feature » Branch Activities ▪ Collection Management
▪ Liquidity Management
User (Mn) Ratings
▪ Value Chain Management
30.3% 4,5/5,0 ▪ Open Banking Solution
12.1
The Best Mobile Banking Application 9.3 No. 1 M-Banking App ∑ Transaction (Mn) Vol Transaction (Tn)
among other National Banks Q2 ‘21 Q2 ‘22 in Google Play

79.8 18.5%
Q2
‘22
453
23.5%
Q2
‘22
Q2
2.585
35.3%
32.0% 36.8% Thousand Clients Q2
‘21 367 ‘21 1.911

269 368
204 269
Q2 ‘21 Q2 ‘22 Q2 ‘21 Q2 ‘22
Best Product and Business Model of
∑ Transaction (Mn) Vol Transaction (Tn)
BNI Mobile Banking Innovation
PA G E 7
…AND EMPOWER “EXPORT-ORIENTED SME SEGMENT” WITH COMPREHENSIVE ECOSYSTEM
SOLUTION
7 Hub to Offer Beyond Banking Solution
One Stop Shopping SME
with Digital Platform
Medan

Makassar

Jakarta Smesco

"Ekspor jadi mudah"

Denpasar

Bandung Solo Surabaya

Xpora Performance 22,094

50.7%

11.8 Thousand
user 36.2%
54.3%
3.930
14,662

121.6% (YoY)
2.614 2.547
1.919

Vol. Trade Finance (Tn) CASA (Tn) Lending (Tn)

Q2 2021 Q2 2022
PA G E 8
WE ARE CONFIDENT TO DELIVER SUSTAINABLE PROFITABLE GROWTH
BNI Performance BBNI Stock Performance
(June 2022) (July 7th 2022)
PPOP EAT
(Rp. Tn) (Rp. Tn)
9.4% 85.7%
17.3
15.9 9.1

4.9

1H21 1H22 1H21 1H22

ROE LaR CoF
(%) (%) (%)
6.2% 6.3% 0.3%
25.9
19.6
16.3
10.1
1.7
1.4

1H21 1H22 1H21 1H22 1H21 1H22

PA G E 9
Thank You

This presentation has been prepared specifically for BNI. The content of this presentation may not be used, duplicated or transmitted in any form without the written consent from BNI. All rights reserved.
“Kunci keberhasilan perusahaan untuk tetap kompetitif di era digital, bukan
hanya dari pengembangan teknologi atau proses digitalisasi,
Tetapi yang lebih utama….
bagaimana seorang leader mampu menginsipirasi dan mendorong
perubahan mindset di organisasi.”
Royke Tumilaar, BNI CEO

PA G E 11