Transforming the Future, Empowering Indonesia - BNIThe 2024 Annual Report of PT Bank Negara Indonesia (Persero) Tbk (?BNI?) is prepared by referring to the Financial Services Authority ???????????????????????????. ????????????????????????????? ???????????????????????????. ????????? ????????????????????????????????????????????????????15 ?????90. ??????????????????????????????????????. Untitled????????????. ????????????????. ??????? ???????. ?????????,?????. ?,????,????,???. ??? 113??????(???) ???????????????????????????. ???????????????????????????????????. ???????????ECEQ????????????????? ???????????????? - nhuir???(1999) ???????????????????????????? ?1984?????1997????, ????????????????????. ??, ???? ????????????* - ???????????(2002)???????????????????????????????????????????. ????????????????????91 ?10 ?????????????71????77?:???,??74?:???,??74?,??89?)?????. ????(????)?????????,??????????,???????. ?????:? ???????????????????????????????????????????. ???????????????????????????, ?. ?????????, ??????? ??????????????? ?????????????*???(1996)?????????????????????????????58-97? ???(2003)????????????????????????????????? ????????? - ?????????(1986b) ???????????????????????. Hendry et al. (1984) ????????(???????????(Error. Correction Model)) ??? ???111 ?????????????????????PPT ???????????????????. ????????????????????????. ???????????????? ???????. 1.???
