#1の BRIMOLA Monta BRI BRIprior 1Q 2023 FINANCIAL UPDATE PRESENTATION PT Bank Rakyat Indonesia (PERSERO) Tbk.#2% SHARE PRICE PERFORMANCE & OWNERSHIP No. I Domestic By 31 March 2023 Description No. of Investor % No. of Shares % ⚫BBRI ⚫JCI 1. Government of RI 1 0.00% 80,610,976,876 53.19% 2. Retail 3. Employees 300,790 96.90% 2,786,711,682 1.84% 6,117 1.97% 19,868,175 0.01% 4. Cooperatives 16 0.01% 5,500,222,523 3.63% 5. Foundation 35 0.01% 312,461,083 0.21% 6. Pension Funds 136 0.04% 1,690,792,606 1.12% 7. Insurance 172 0.06% 2,669,881,956 1.76% 8. Bank 8 0.00% 740,650,841 0.49% 9. Corporations 277 0.09% 172,193,737 0.11% 10. Mutual Funds 331 0.11% 2,433,496,453 1.61% 11. Local Government 1 0.00% 1,590,000 0.00% Total 307,884 99.18% 96,938,845,932 63.96% || International 1. Retail 296 0.10% 38,094,528 0.03% 2. Institutional 2,248 Total 2,544 0.72% 0.82% 54,582,061,144 36.01% 54,620,155,672 36.04% III Total 310,428 100.00% 151,559,001,604 100.00% Source: KSEI (BRI BBRI Share Performance vs JCI since IPO Since IPO BBRI +54.1x JCI +10.9x Dec-03 Dec-04 Dec-05 Dec-06 Dec-07 Dec-08 Dec-09 Dec-10 Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 2 Dec-22 Mar-23 1,086% 5,406%#3TABLE OF CONTENTS Corporate Strategy Overview Macro Economic Metrics Remain Solid Key Financial Highlights 1Q'23 Strengths and Challenges 2023 BRI Group Guidance Key Takeaways. Investment Proposition 1Q'23 Financial Performance Balance Sheet Income Statement Other Operating Income & Operating Expense Financial Ratios Subsidiaries Contribution to BRI Group Loan Quality Ultra Micro & Micro Business 1Q'23 Bank Only Performance 1Q'23 Bank Only Loan Quality ESG Initiatives Others 4 5 6 7 8 10 11 21 22 26 28 31 32 33 39 49 55 59 70 BRI 3#4BRI'S CORPORATE STRATEGY BRI 2 Quality of Growth 1 Productive asset growth while maintaining quality by focusing on high yield asset expansion and accelerating new growth drivers CASA Sustainability Increasing CASA market share by building ecosystem through territorial control & referrals and relying on transaction tools & Cash In/ Cash Out capability The Most Valuable BRI Group Synergy 3 Banking Group in Cohesive synergies among entities as an anchor of solid sustainable growth; Cross selling between segments and products, creating solutions for customers across the value chain Southeast Asia & Champion of 4 Financial ESG Principles Implementation Committed to implement business management principles that adhere to the values of ESG in order to have a positive impact on the community (deliver value beyond profit) Inclusion 5 Excellence Enablers Strengthen employee capabilities, system reliability, services and networks, as well as data analytics to provide superior quality banking services 4#5OVERVIEW MD50000 (BRI#6" MACRO ECONOMIC METRICS REMAIN SOLID Improving Inflation and Strong Currency Support GDP Growth GDP Growth (% YoY) 5.2 5.0 -2.1 (IDR) 5.3 3.7 Foreign Reserves & IDR/USD BRI 14,390 14,263 14,030 13,866 15,573 14,996! 1 I I I 144.9 145.2 i 137.2 | 135.9 129.2 120.7 2018 2019 2020 2021 2022 2018 INFLATION & BI7DRR 6.00 5.75 5.50 5.00 5.51 3.75 3.50 4.97 3.13 2.59 1.68 1.87 2018 2019 2020 ―Headline Inflation (%) YoY 2019 2020 Foreign Reserves 2021 2022 1Q'23 IDR/USD MSME Business Index 109.4 I 105.9 105.1 1 104.6 104.1 103.2 100% Optimistic Level 2021 2022 1Q'23 2021 1Q'22 2Q'22 3Q'22 2022 1Q'23 BI7DRR (%) 6 I I I I#7" KEY FINANCIAL HIGHLIGHTS Strong Profitability and Elevated Capital, Opportunity for ROE Expansion Consolidated Description Total Loan & Financing (IDR Bn) Micro/ Total Loans 1Q'22 1Q'23 g YoY 1,075,927 1,180,121 9.7% 47.1% 47.7% 0.6% NIM 7.72% 7.82% 0.10% Total CAR 24.61% 24.98% 0.37% CASA % 63.63% 64.53% 0.89% Cost to Income Ratio (CIR) 42.23% 41.83% -0.40% NPL (Gross) 3.09% 2.86% -0.24% ROA After Tax 2.94% 3.38% 0.44% ROE B/S 17.22% 21.18% 3.96% Leverage 6.0 6.4 0.4 Net Profit (IDR Bn) 12,220 15,564 27.4% PATMI (IDR Bn) 12,167 15,502 27.4% (BRI 7#81Q'23 STRENGTHS AND CHALLENGES BRI 1 Key Strengths ☐ Rebalancing Micro Commercial Loan Growth • Strong growth in Kupedes product in 1Q23 as post pandemic growth focuses on the commercial micro product. Ultra Micro (PNM & Pegadaian) portfolio will become new engine of high yield loan growth Improving Cost of Credit . • Release of some conservatively provisioned items and visibility into improving asset quality in the coming quarters driving improved Cost of Credit. Improved Efficiency through Digitalization The utilization of BRISPOT has continue to increase the productivity of loan officers as we now have 16.8 billion loans and 528 borrowers per officer Senyum Mobile and data analytics help optimized cross- selling synergy from BRI, PNM, and Pegadaian as CIR at subsidiaries declined by 238 bps to 41.8% YoY. Increasing utilization of BRIMO which now has 25.7 million accounts. I Key Challenges Increasing Cost of Funds • Global rate increases combined with our dividend payment period and preparation for the holiday season in Indonesia. is driving higher CoF in March & April 2023, visibility to improving CoF through remainder of 2023. ☐ Capital Remains Above Optimum Level Current capital levels remain elevated but have improved QoQ and YoY. In the near term, leverage will increase as assets grow faster than equity, supporting ROE expansion. 8#92023 BRI GROUP GUIDANCE FY'22 Actual FY'23 Guidance 1Q'23 Actual Loan Growth (YoY) 9.2% 10% -12% 9,7% Net Interest Margin 7.85% 7.7% - 7.9% 7,82% Cost of Credit 2.55% 2.2% - 2.4% 2,39% NPL 2.67% 2.6% -2.8% 2.86% CIR (Bank Only) 41.95% 40% - 41.5% 37,37% (BRI 9#10KEY TAKEAWAYS 1Q23 Strong bottom-line earnings growth driven by efficiency gains, cost of credit improvements, and utilization of capital will translate to higher ROE through 2023 ➤ Continuously Improving Cost Controls as our adjusted Cost to Income ratio improved by 40 bps YoY to 41.83% from 42.23% driven by optimization of our branch network and maximizing employee productivity ➤ Cost of Credit improved by 38bps YoY to 2.39% from 2.78% as we are seeing LAR decrease by over 5.26% to 16.38% from 21.65%. ➤ Re-leveraging of the balance sheet as assets to equity increased to 6.4x from 6.0x YoY, with the goal to move closer to Indonesian peer levels over the medium term, supporting ROE expansion. (BRI 10#11INVESTMENT PROPOSITION 0800000 (BRI#12BRI INVESTMENT PROPOSITIONS 01 02 20 03 Sound Business Strategy, Focus on Flagship Segments Hybrid Bank Business Model Solid Foundation for Low-cost Fund 04 Robust Capital Management to Ensure Optimum Return 05 Value Beyond Profit, Commitment to ESG BRI 12#13FOCUSED GROWTH ON THE ULTRA MICRO & MICRO SEGMENTS Well-positioned To Serve The Growing Financing Needs of the Segment National Posture of Indonesian Enterprises and Individuals 1 Corporation ⚫c. 5.5k business Medium Corporate/ Individual Medium Premium . 2 60k businesses with assets of >IDR 500mn - IDR10 bn and sales of >IDR2.5bn - IDR50bn 2 1 High Net Worth Individual • 129k people with assets of >IDR500 Bn Premium Small Small 3 ⚫ c. 785k businesses with assets of >IDR50 - 500mn and sales of >IDR300mn - IDR2.5bn Middle Class 3 4 Micro & Ultra Micro • • Total c. 62mn businesses, incld. ~57mn businesses eligible for Ultra Micro loans Access to group loans or KUR only BRI Micro & Ultra Micro Comprehensive Business Large Customer Base +36.0 Mn Borrowers (+14.3 Mn BRI, +14.6 Mn PNM, +7,1 Mn Pegadaian borrowers) Source: BRI's public filings Mass Micro and Ultra Micro BRI ⚫c. 1.1 Mn people with assets of >IDR500 Mn Middle Class ⚫ c. 90mn people with assets of IDR50mn - IDR500mn Micro ⚫ c. ~165mn people with ample knowledge of basic saving product, but low for investment and insurance • Start using digital banking technology Ultra Micro Mostly reliant on informal funding BRI PNM Pegadaian Digitized Business Process Extensive Banking Channels • • • 6,466 BRI Micro Outlets 4,086 Pegadaian Outlets 4,482 PNM Outlets 650,780 BRILink Agents Comprehensive Product Offerings Lending: Individual, Group Lending, Pawn Lending Deposits: Saving Account, Current Account, Time Deposit ☐ Insurance: Life and Health Insurance, General insurance ☐ Investment: Gold Savings ☐ Other Services • BRISPOT Micro, Pegadaian Selena, PNM Digi (Digital Loan Underwriting System) I I I I I I I I I I I T I | I • Senyum Mobile (cross referral system) I . BRILink Mobile (Mobile App for Brilink Agents) I 13#14Key Characteristics of Ultra Micro & Micro Customers HYBRID BANK BUSINESS MODEL Combining Physical Presence and Digital Capabilities (Phygital) to Match Customer Journey (BRI 1 Familiar with digital platforms, although smartphone 2 penetration remains low Limited knowledge of financial products beyond savings account Digital Capabilities 3 Cash still being the dominant chosen method of transactions Digitizing Core Digitize business process to boost productivity & unleash the potential + HYBRID BANK Physical Presence 8,028 Outlets 1 1 +271,125 E-Channels 4 5 Need a financial institution that is "locally embedded" and is able to "gain their trust" Majority without stable income Digital Ecosystem Build ecosystem to leverage new 2 liquidity, new opportunities and new source of growth Big Data & AN BRIBrain Utilization 0 Prefers banking via an agent 6 rather than digital banking 7 model Open to beyond banking offerings to help grow the business New Digital Propositions Create independent greenfield digital bank to tap the untapped segment and embedded in customer's life 3 BRI BRAIN 3 650,780 BRILink Agents 2 BRI Branchless Banking +37k Experienced Financial Advisors +72k Umi Holding (incld. Pegadaian & PNM) BRI Digital Advisors ("Penyuluh Digital") Digital Acquisition, Digital Transaction, and Digital Education 14#15BRILINK AGENT Redefining Agent's Roles to Tap The Untapped # Agents (Thousand) FBI (IDR Billion) 539.7 650.8 360.1 Q1'22 20.6% Q1'23 # of Transaction (Million) 260.7 252.5 353.8 Q1'22 1.8% Q1'23 Transaction Value (IDR Trillion) Q1'22 -3.1% Q1'23 Loan & Saving Referrals (Thousand) 15.6 22.8% YoY 309.7 5.1% Q1'22 CASA (IDR Trillion) +1036.5% YoY 216.9 12.7 18.4 19.1 0.6% Q1'22 Loan Referrals Q1'23 ■Savings Referrals Q1'22 325.7 Q1'23 18.5 Q1'23 59,205 villages covered by BRILink Agents (79.3% out of total villages) SERVICES STRATEGY (BRI SERVICES PROVIDED Ultra Micro Payment (synergy with Pegadaian & PNM) LinkAja Cash Withdrawal Loan Installment Mobile Phone Voucher Cash Deposit & Withdrawal FOAM BRILink AgenBRILink Bill Payment Money Transfer Cash Pickup • Productivity Enhance business process • Empower agent community & capabilities • Introduce agent loyalty programs Beyond Banking Transaction Develop agents as local super store • Utilize big data capabilities through BRIBRAIN • STRATEGY BRILINK 2.0 UMi Enabler • Redefine role of agents to support UMi Ecosystem ⚫ Integrate BRILink • platform with UMi Corner & Gadai platform Sales Channel Collaborator Increase numbers of cross sell BRI Group market- matched products • Platform integration to create excellent user experiences 15#16" BRISPOT Digitalize Business Process through BRISPOT, to Increase Productivity and Efficiency Boost Productivity & Unleash The Potential "WHAT'S ON BRISPOT?"... + 100 K USERS (LOAN OFFICERS & APPROVERS) +140 IMPACTFUL BRISPOT FEATURES BY SEGMENT MICRO +65 SMALL +34 CONSUMER +43 DIGITALIZATON BEFORE Double work Variative Financial Assessment No Cross Selling Module AFTER All in one go Standardized Template Build-in Cross Sell Module AUTOMATION BEFORE Manual Prescreening Manual Disbursement Manual Notification by Loan Officer SIMPLIFICATION BEFORE Paper Based Manual Mapping Approval Process in 20 days AFTER ” " Automated Pre- screening Automatic Disbursement SMS & Email Notifications AFTER " Paperless Geo-tagging Technology • Less in 1 day Yeay Els Risma 0127878Mantr BRI Rp168.601.590 Fitur Utama Fitur Lainnya PO Pick Up T Pakana Mooring Partnersh Ch Beranda Organizer رة a S & FEATURES BRISPOT Features Boost Productivity Sales & Pipeline Portfolio Balancing Dashboard " Profit and Loss Portfolio Working Area Mapping UMi Corner Integration BRILink Partnership Increase Efficiency Automated Pre-Screening Less Paper All in one Application Pick Up Transaction BRISURF Integration Online Loan Application Letter Register Strengthen Risk Management Monitoring & Evaluation Monitoring Point to Point • "Activity Today" " . Assistance Early Warning System Loan Collection KUR Limit Monitoring BRI 16#17" SOLID FOUNDATION FOR LOW-COST FUND CASA Focused Strategies to Optimize Market Potential and BRI's Large Customer Base BRI CASA Performance CASA Potential CASA Growth (IDR Trillion) Financial Inclusion Index 66.7% 64.5% 63.1% 60.1% 59.7% 57.7% 568 589 669 718 872 810 85.10% 76.19% 67.80% 2018 2019 2020 2021 2022 1Q'23 CASA (IDR Tn) -O-CASA % 2016 2019 2022 CASA growth of 8.7% (CAGR 2018 - 1Q'23) Source: National Survey of Financial Literacy & Inclusion 2019 by Financial Services Authority Customer Oriented CASA Products I . (BRI Broad range of products for various customers' needs Savings - Simpedes, Simpedes Bisa, Simpedes UMi, Britama, Britama Bisnis, Britama Valas,, Britama Rencana, Britama Junio, Tabunganku Re-Inventing Business Model Current Account - Giro BRI Digital Ecosystem Platform Close Loop Ecosystem I Improve Customer Experience by re-inventing the business process (BRILink, BRIMO, Digital Saving) Providing customized payment platform to capture new growth potential (BRI Open API, BRIMOLA, Junio Smart) Capturing the liquidity potential based on commodities (Pasar.id, Commodity Payment Chain) Cost of Fund Money Outside Banks (IDR Tn) 831.2 840.5 3.54% 3.73% 760.1 3.53% 625.4 654.8 586.6 2.68% 2.36% 2.06% 2018 2019 2020 2021 2022 1Q'23 2017 2018 2019 2020 2021 2022 I *Source: Indonesia Financial Statistic Nov 2022; Subsidiaries' Synergies I I Increasing share of wallet through BRI Group Synergies (joint acquisition/cross selling) Culture & Capabilities CASA Focus KPIs, Empowering Customer's Digital savviness by extending RM's role as Digital Advisors 1177#18" BRIMO Accelerating the Shift to Digital Transactions # Users # Financial Trx OSDESIGN * 60% BRI (in Million) (in Million) mo Halo, Nikolas! BANK BRI 16.1 Rp BRIZZ Transfer BRIZZI Pulsa PFM Tarik Top Up PFM Tunai Gopay Login Q1'22 59.6% 25.7 Q1'23 Transaction Value (IDR Trillion) 470.9 87.2% 881.8 Q1'22 Q1'23 Feature Highlights 624.8 1 Loan Application 313.9 99.1% 2 International Transfer 3 Alias Saving Account Q1'22 Q1'23 4 Smart Search 5 BUMN BRI Pake BRImo Transaksi Aman Super BUMN BRIMO e-Payment Bayar Bebas Repot Belanja Online BRI B ma op Up MPET ITAL Spend Categorization BRI 6 Spending Tracker and Analysis 7 ah Transaksi nuh Gaya Financial Health Analysis DO mo 8 BRI Currency Conversion BRI ***** 9 સો વલસીમાં એ In-App Live Support mo 18 BRI#19" ROBUST CAPITAL MANAGEMENT TO ENSURE OPTIMUM RETURN Optimizing Capital for Sustainable Business Growth and Shareholders' Return 27.16% 1.00% 26.16% 25.51% 24.98% 1.01% 1.05% 24.50% 23.93% 22.77% 21.35% 1.12% 20.14% 1.17% 20.18% 21.65% 1.08% REGULATORY REQUIREMENT 17.5% 19.06% DPO DPO 85% 85% If all Basel 3 fully implemented 15.0% Normal condition 12.5% OJK Relaxation During Pandemic DPO DPO 50% I I I I I 65% DPO 60% I . . 2018 2019 2020 2021 2022 Tier 1 CAR Tier 2 CAR -Total CAR 1Q'23 BRI Max 2.5% (Countercyclical Buffer) 2.5% (Capital Conservation Buffer) 2.5% (Capital Surcharge on Systemic Bank) 10% (CAR based on Risk Profile) As of Jan'23, as part of the implementation of Basel 3, the change on RWA of Operational & Credit Risk adds 211bps to BRI total CAR Based on FY'22 performance with Dividend Payout Ratio of 85%, BRI distributes Full Year 2022 dividend of Rp288.22 per share (included interim dividend of Rp57 per share) with the payment date on 12 April 2023 19#20" VALUE BEYOND PROFIT, COMMITMENT TO ESG At The Forefront of ESG Implementation BRI Sustainability Journey (BRI BRI Sustainable Loan Portfolio 2022 . • • Established ESG Roadmap Issued Green Bond (IDR 5 Tn) Signatory of Partnership for Carbon Accounting Financials • • New Green office Building • BRI Menanam Program Pulp & Paper Loan Policy Conducted Financed Emission 67.5% 1Q'2023 66.7% 65.6% 65.1% New Regulation on Principles IDR Bn of Human Rights in 62.5% Employment • Participant of United Nations Global Compact (UNGC) 694.9 710.9 614.2 639.8 550.4 ↑ 11.1% YoY 2021 Established The Ultra Micro Ecosystem . . Established Dedicated ESG Work Unit Established ESG Committee FY 2020 FY 2021 FY 2022 1Q'2022 1Q'2023 Sustainable Loan % Composition to Total Loan Calculation • 2020 Conducted Green House Gas (GHG) Emission Calculation 2017 Issued internal ESG Policies (General Sustainable Finance & CPO Policy) First Mover on Sustainable Banking علما Constituent of Indonesia ESG Leader Index • • 2019 Issued sustainability bond ($ 500 Mn) Submitted Sustainable Finance Action Plan 2019-2024 2013 Published 1st Sustainability Report Empowering Women Through Ultra Micro Ecosystem Mekaar Female Borrowers In Mn Mekaar Loan Outstanding IDR Bn 14,463 39,205 28,708 36.6% 1Q'2023 1Q'2022 1Q'2023 11,509 25.7% 1Q'2022 +40,600 Female Mekaar Account Officer Through PNM Mekaar, BRI strengthens its contribution to empowering underprivileged woman 20 20#21BRI BRI menanam 10'23 FINANCIAL PERFORMANCE#22BALANCE SHEET BRI (IDR Billion) Items Cash and Cash Equivalent Total Earning Assets: - Placement with BI & Other Banks 2020 83,806 1,511,922 2021 2022 1Q'22 1Q'23 QoQ YOY 82,727 178,343 70,085 116,153 -34.9% 65.7% 1,588,914 1,665,968 1,561,809 1,685,810 1.2% 7.9% 80,118 73,048 91,890 74,542 80,386 -12.5% 7.8% - Receivables (Acceptance & Others) 35,967 39,949 47,146 45,416 50,512 7.1% 11.2% - Loans & Financing 1,020,193 1,042,867 1,139,077 1,075,927 1,180,121 3.6% 9.7% - Gov't Bonds, Securities, & Reverse Repo 374,124 426,964 381,339 359,615 368,153 -3.5% 2.4% - Other Earning Assets 1,520 6,086 6,515 6,310 6,639 1.9% 5.2% Earning Asset Provision: (72,747) (89,821) (94,975) (93,962) (97,220) 2.4% 3.5% - Loans and Financing Provisions (70,395) (87,829) (93,088) (91,832) (95,187) 2.3% 3.7% - Other Provisions Fixed & Non Earning Assets Total Assets Third Party Funds: - CASA (2,353) (1,991) (1,887) (2,130) (2,033) 7.7% -4.5% 87,085 96,278 116,303 112,346 118,230 1.7% 5.2% 1,610,065 1,678,098 1,865,639 1,650,279 1,822,973 -2.3% 10.5% 1,120,922 1,138,743 1,307,884 1,126,495 1,255,453 -4.0% 11.4% 668,796 718,267 872,404 716,808 810,091 -7.1% 13.0% Current Account 192,730 220,590 349,756 227,551 309,890 -11.4% 36.2% Savings Account 476,066 497,677 522,648 489,258 500,201 -4.3% 2.2% - Time Deposits 452,126 420,476 435,481 409,687 445,362 2.3% 8.7% Other Interest Bearing Liabilities 195,651 167,005 162,817 141,070 161,946 -0.5% 14.8% Non-Interest Bearing Liabilities 64,025 80,563 91,543 106,727 121,124 32.3% 13.5% Total Liabilities 1,380,598 1,386,311 1,562,244 1,374,293 1,538,523 -1.5% 12.0% Tier 1 Capital 187,205 266,166 273,812 248,252 254,832 -6.9% 2.7% Total Equity 229,467 291,787 303,395 275,986 284,451 -6.2% 3.1% Total Liabilities & Equity 1,610,065 1,678,098 1,865,639 1,650,279 1,822,973 -2.3% 10.5% *Financial figures for 2021 is restated to include Pegadaian and PNM in accordance with PSAK 38 22 22#23" MORE INSULATED FROM RECENT GLOBAL EVENTS Liquidity & Capital Management Remains Conservative LCR & NSFR 241.0% 227.1% 228.5% 204.6% Bond Classification BRI (% Composition) 372.0 327.6 330.3 329.7 5.1% 8.4% 6.4% 7.2% 184.3 195.8 54.2% 45.7% 47.0% 2.0% 57.9% 9.0% 209.3% 199.4% 70.5% 63.4% 40.7% 48.0% 45.7% 33.7% 27.4% 27.6% 2018 2019 2020 2021 2022 1Q'23 HTM 149.3% 142.3% 142.1% 133.5% 135.9% 136.8% AFS Trading Total (IDR Tn) Non-Loan EA/ Total EA 34.4% 32.5% 29.0% 30.3% 31.6% 30.0% 100% LCR & NSFR Minimum regulatory requirement 1,512 1,589 1,666 1,686 1,179 1,298 342 394 492 546 527 506 2018 2019 2020 2021 2022 1Q'23 2018 2019 2020 2021 2022 1Q'23 ⚫LCR O-NSFR Non-Loan Earning Asset (IDR Tn) Earning Asset (IDR Tn)-0-% Non Loan to EA 23#24LOANS & FINANCING PORTFOLIO Micro Driven Persistent Loan Growth Capitalizing On Economic Recovery Momentum Loan Outstanding - by business segment Composition - by business segment (%) BRI (IDR Trillion) 1,180.1 1,139.1 1,075.9 1,042.9 1,020.2 190.5 173.8 16.1% 16.1% 15.3% 16.0% 16.1% 23.1% 21.2% 903.2 172.6 168.3 30.0 164.7 27.8 3.3% 2.7% 2.4% 2.4% 2.5% 834.7 25.8 27.8 2.2% 2.4% 33.5 222.5 191.1 218.6 20.4% 19.2% 20.3% 18.9% 24.0% 217.9 192.5 212.5 21.5 244.6 26.2% 26.8% 18.3 167.6 173.8 14.7% 14.4% 14.2% 14.7% 242.3 152.9 150.4 14.2% 218.8 144.8 15.7% 15.6% 140.5 130.8 551.3 563.4 46.4% 48.4% 47.1% 47.7% 483.9 506.7 42.4% 432.5 32.9% 34.1% 274.3 307.7 2018 2019 2020 2021 2022 1Q'22 1Q'23 2018 2019 2020 2021 2022 1Q'22 1Q'23 Micro Consumer Small Medium Corporate Total YoY Growth (%) 11.2 13.7 2.1 16.2 10.3 9.7 (IDR Tn) 56.6 20.9 4.6 4.2 17.8 104.2 Since 2022, BRI has classified SOE and Corporate non-SOE into Corporate Segment 24#25" STRONG CASA GROWTH Supporting Deposit Growth and Higher CASA Ratio (IDR Trillion) Deposit Composition Deposit Growth YOY Total 11.4% CASA 13.0% 1,307.9 BRI 1,255.5 39,9% 42,3% 40,3% 36,9% 33,3% 36,4% 35,5% 1,138.7 1,120.9 1,126.5 1,021.2 435.5 944.3 445.4 409.7 420.5 452.1 431.9 376.4 497.7 476.1 387.2 414.3 522.6 500.2 489.3 349.8 309.9 180.7 174.9 192.7 220.6 227.6 2018 2019 2020 ■Demand Deposit 66,7% 60,1% 57,7% 59,7% 63,1% 63,6% 64,5% 2021 2022 1Q'22 1Q'23 2018 2019 2020 2021 2022 1Q'22 1Q'23 Savings Time Deposit ■Low-Cost High-Cost 25 25#26INCOME STATEMENT (BRI (IDR Billion) Items 2020 2021 2022 1Q22 4Q22 1Q23 QoQ YOY Interest Income 135,765 143,523 151,875 36,732 36,623 42,460 15.9% 15.6% Interest Expense (42,180) (29,429) (27,278) (6,325) (8,534) (9,681) 13.4% 53.1% Net Interest Income 93,584 114,094 124,597 30,407 28,090 32,779 16.7% 7.8% Net Premium Income Gold Sales Revenue - Net 879 289 1,043 1,577 278 747 442 -40.8% 59.1% 227 277 72 68 80 16.7% 10.7% Total NII, Premium & Gold Income 94,752 115,365 126,451 30,757 28,905 33,301 15.2% 8.3% Other Operating Income (Non-Interest) 30,977 Total Operating Expenses (60,670) 34,705 (69,635) (74,294) 39,127 Personnel Expenses (33,105) (38,047) (39,390) G&A Expenses (21,005) (23,269) (25,959) Others Expenses (6,560) (8,319) (8,945) Pre Provision Operating Profit 65,059 80,435 91,285 8,701 12,395 9,943 (16,664) (21,418) (18,091) (9,571) (11,640) (10,685) (5,327) (8,052) (6,570) (1,766) (1,725) (836) 22,794 19,883 25,153 -19.8% 14.3% -15.5% 8.6% -8.2% 11.6% -18.4% 23.3% -51.6% -52.7% 26.5% 10.3% Provision Expenses (35,280) (39,291) (26,979) (7,474) (4,415) (5,599) 26.8% -25.1% Profit From Operations 29,779 41,144 64,306 15,320 15,468 19,554 26.4% 27.6% Non Operating Income 215 (152) 291 40 (110) 42 -138.2% 5.0% Net Income Before Tax 29,993 40,992 64,597 15,360 15,358 19,596 27.6% 27.6% Net Profit 18,660 30,756 51,408 12,220 12,097 15,564 28.7% 27.4% Profit After Tax & Minority Interest (PATMI) 18,655 31,067 51,170 12,167 12,014 15,502 29.0% 27.4% Financial figures for 2021 is restated to include Pegadaian and PNM in accordance with PSAK 38 26 26#27IMPROVING NIM WHILE MAINTAINING AMPLE LIQUIDITY NIM - Bank Only vs Consolidated Lending Yield, EA Yield, and Cost of Fund (BRI NIM - Consol. NIM - Bank Only 12.64% 12.31% 12.49% 12.52% 12.30% 12.76% 7.85% 7.45% 7.70% 7.82% 10.47% 10.09% 10.01% 9.47% 9.57% 10.13% 6.98% 6.90% 3.54% 3.73% 6.80% 3.53% 2.68% ! 2.32% 7.22% 2.06% 6.73% 6.89% 19.8 19.4 20.5 20.7 21.1 21.0 19.5 37.5 6.00% 6.67% 2018 2019 2020 2021 2022 Q'23 Loan Yield Earning Asset Yield COF 34.2 32.8 31.9 31.1 30.4 27.8 28.0 28.1 27.1 Loan & Financing to Total EA and LDR 88.40% 88.45% 83.45% 83.53% 84.94% 78.82% 28.6 15.5 19.0 18.7 19.8 19.9 20.2 20.0 21.9 22.8 23.6 23.3 26.1 25.1 25.7 26.3 70.8% 69.6% 67.5% 65.6% 68.4% 70.0% 21.6 18.7 14.5 2018 2019 2020 2021 ■Quarter NII - Consol (IDR Tn) Quarter NII - Bank Only (IDR Tn) 2022 Q'23 2018 2019 2020 2021 2022 1Q'23 % Loan & Financing to Total EA ⚫LDR - Consol. 27#28OTHER OPERATING INCOME & OPERATING EXPENSES Positive Other Operating Income Growth with Manageable Operating Expenses Other Operating Income BRI (IDR Billion) Items 2020 2021 2022 1Q22 4Q22 1Q23 QoQ YOY Fees and Commissions 16,181 17,062 18,795 4,557 4,925 5,080 3.1% 11.5% Recovery of Written-Off Assets 7,252 9,006 12,468 2,363 3,772 2,962 -21.5% 25.4% Gain on Sale of Securities - Net 2,871 3,453 1,518 456 268 384 Gain on Foreign Exchange - Net 1,258 1,714 1,132 411 53 Unrealized Gain on Changes in Fair Value of Securities 342 120 146 88 127 Others 3,072 3,351 5,069 824 3,250 Total Other Operating Income 30,977 34,705 39,127 8,701 12,395 43.2% -15.8% 222 316.9% -46.1% 178 41.0% 102.1% 1,117 -65.6% 35.4% 9,943 -19.8% 14.3% Operating Expenses (IDR Billion) Items 2020 2021 2022 1Q22 4Q22 1Q23 QoQ YOY Salaries and Employee Benefits 33,105 38,047 39,390 9,571 11,640 10,685 -8.2% 11.6% General and Administrative 21,005 23,269 25,959 5,327 8,052 6,570 -18.4% 23.3% Others 6,560 8,319 8,945 1,766 1,725 836 -51.6% -52.7% Total Other Operating Expense 60,670 69,635 74,294 16,664 21,418 18,091 -15.5% 8.6% 28#29FEE & OTHER OPERATING INCOME Optimizing Subsidiaries Roles Through Cross-Selling Potential Consolidated Other Operating Income - BRI (IDR Trillion) Bank Only Fee and Commission - Composition (IDR Billion) YoY g = 14.3% 1Q'22 g YoY 15.4% 1Q'23 39.1 226 210 5% 93 5% 240 5% 125 5% 244 Deposit Admin. 34.7 2% 3% 7.9 31.0 28.4 8.6 23.4 7.5 6.9 12.5 9.0 5.2 7.3 7.1 6.2 ■ E-Channel 408 1,123 1,192 24% 10% 26% 644 13% 429 10% ■Loan Admin. ■Trade Finance & IB ■Non E-Channel 651 1,782 42% 13% ■ Insurance 1,832 37% ■ Others 9.9 8.7 18.8 16.2 17.1 1.9 14.5 1.8 3.0 12.0 2.4 4.6 5.1 2018 2019 2020 2021 2022 1Q22 1Q23 ■Fees and Commissions ■Recovery of Written-Off Assets Other Operating Income to Total Revenue (%) Others Bank Only Fee and Commission YoY Growth - 57.8% 51.6% 34.4% Other Operating Income growth driven by Fee Based Income and Recovery Income 6.1% 16.5% 6.0% 2.8% Deposit E-Channel Loan Admin. Admin. Trade Finance & IB Non E- Insurance Channel Others 29#30OPERATING EXPENSE BREAKDOWN BRI (IDR Billion) YOY Items 2020 2021 2022 1Q'22 4Q22 1Q'23 QoQ - Bank Only Personnel Expenses 24,980 29,961 29,316 7,179 8,368 7,614 -9.0% 6.1% Bank Only G&A Expenses Bank Only Others Expenses 16,107 17,693 19,039 3,798 5,906 4,941 -16.3% 30.1% 5,309 7,124 8,263 1,641 1,162 620 -46.6% -62.2% Bank-Only Operating Expense 46,396 54,778 56,618 12,618 15,436 13,175 -14.6% 4.4% Subsidiaries Personnel Expenses 8,125 8,086 10,074 2,392 3,272 3,071 -6.1% 28.4% Subsidiaries - G&A Expenses 4,898 5,576 6,920 1,529 2,146 1,629 -24.1% 6.5% Subsidiaries Others Expenses 1,252 1,195 681 125 563 215 -61.8% 72.7% Subsidiaries Operating Expense 14,274 14,857 17,675 4,046 5,981 4,916 -17.8% 21.5% Consolidated - Personnel Expenses 33,105 38,047 39,390 9,571 11,640 10,685 -8.2% 11.6% Consolidated - G&A Expenses 21,005 23,269 25,959 5,327 8,052 6,570 -18.4% 23.3% Consolidated Others Expenses 6,560 8,319 8,945 1,766 1,725 836 -51.6% -52.7% Consolidated Operating Expense 60,670 69,635 74,294 16,664 21,418 18,091 -15.5% 8.6% Cost to Income Ratio: Bank Only vs Consolidated Cost to Asset Ratio: Bank Only vs Consolidated 48.25% 46.40% 44.87% 4.15% 41.15% 41.83% 3.98% 3.97% 40.45% 3.77% 45.40% 43.26% 41.95% 3.24% 3.17% 40.03% 37.37% 3.48% 3.26% 3.15% 3.23% 3.11% 3.10% 29.56% 2018 2019 2020 2021 2022 1Q'23 2018 2019 2020 2021 2022 1Q'23 Bank Only Consolidated Bank Only Consolidated 30#31FINANCIAL RATIOS Asset Quality NPL (gross) NPL Coverage Liquidity CASA LDR* Profitability Description BRI (IDR Billion) 2018 2019 2020 2021 2022 1Q'22 1Q'23 ΔΥΟΥ 2.28% 185.94% 2.80% 154.63% 2.88% 239.20% 3.00% 281.16% 2.67% 305.73% 3.09% 286.23% 2.86% -0.23% 282.49% -3.74% 60.14% 57.70% 59.66% 63.08% 66.70% 63.63% 64.53% 0.89% 88.40% 88.45% 83.45% 83.53% 78.82% 86.96% 84.94% -2.02% Cost of Fund (CoF) 3.54% 3.66% 3.53% 2.36% 2.06% 1.97% 2.68% 0.72% NIM 7.22% 6.73% 6.90% 7.70% 7.85% 7.72% 7.82% 0.10% Cost to Income Ratio (CIR) 41.15% 40.45% 48.25% 46.40% 44.87% 42.23% 41.83% -0.40% Operating Expense to Operating Income 70.02% 72.08% 83.46% 78.54% 69.10% 68.26% 64.47% -3.79% ROA before tax 3.51% 3.28% 2.08% 2.64% 3.79% 3.69% 4.25% 0.56% ROA after tax 2.73% 2.60% 1.46% 2.13% 3.01% 2.94% 3.38% 0.44% ROE Tier 1 ROE BS Capital 20.04% 18.40% 11.58% 16.04% 19.59% 19.00% 23.55% 4.55% 18.85% 17.34% 10.52% 13.86% 17.63% 17.22% 21.18% 3.96% Tier1 CAR 20.18% 21.65% 19.06% 26.16% 24.50% 23.61% 23.93% 0.32% Total CAR 21.35% 22.77% 20.14% 27.16% 25.51% 24.61% 24.98% 0.37% *Only calculated BRI and Raya financial numbers. If loan & financing of all subsidiaries are calculated, LDR is 95.91% in 10'22 and 94.00% in 10'23 **Financial figures for 2020 and 2021 is restated to include Pegadaian and PNM in accordance with PSAK 38 31#32SUBSIDIARIES CONTRIBUTION TO BRIGROUP BRI Subsidiaries Market Leader in Pegadaian Pawn Industry 99.99% 75.7 Tn BRI Ownership Total Asset 1Q'23 BRIinsurance BRI Assets (IDR Tn) Loan & Financing (IDR Tn) Net Profit (IDR Tn) General Insurance Provider (property, vehicle, etc) 159.2 90.00% 5.4 Tn National Leader in PNM Community Based Lending BRI ventures 99.99% 50.9 Tn (BRILife 54.77% 23.3 Tn Digital Bank focused raya in MSME especially gig economy 86.85% 12.6 Tn BRIfinance 179.8 120.8 1.7 1.4 106.1 1Q'22 1Q'23 1Q'22 1Q'23 1Q'22 1Q'23 10% 7% 99.97% 2.7 Tn BBRI danareksa % to Total Subsidiaries 13% sekuritas Assets 67.00% 1.3 Tn Danareksa Investment Management 28% 1% 6% 6% _ Pegadaian 42% ■ PNM 65.00% 282 Bn % to Total Subsidiaries 26% Net Profit 61% BRIremittance 99.88% 7.6 Tn 100% 21.8 Bn ■ BRILife ■ Bank Raya ■ Others ■ Pegadaian ■ PNM ■ BRILife ■BRI Insurance ■ Others 32#33BRI menanam LOAN QUALITY BRI#34LOAN QUALITY Non-Performing Loan and Special Mention Loan Non-Performing Loan - by Segment Special Mention - by Segment (BRI Segment 2018 2019 2020 2021 2022 1Q'22 1Q'23 3.51% 3.51% 2.47% 3.03% 3.95% 4.44% 6.17% Segment 2018 2019 2020 2021 2022 1Q'22 1Q'23 1.01% 1.18% 0.83% 1.49% 1.74% 1.77% 2.24% Micro Micro Consumer 1.03% 1.10% 1.49% 1.78% 1.83% 1.93% 2.01% Consumer 2.49% 2.52% 2.69% 2.20% 2.76% 2.95% 3.45% Small 3.14% 3.17% 3.61% 4.05% 4.30% 4.39% 4.45% Small 4.28% 4.63% 3.19% 3.42% 4.30% 5.46% 5.70% Medium 6.80% 5.38% 4.61% 3.57% 2.26% 3.95% 2.06% Medium 2.87% 2.97% 3.07% 3.08% 2.55% 3.14% 3.08% Corporate 5.49% 5.18% 7.57% 6.68% 4.68% 5.89% 4.19% Corporate 7.73% 5.04% 2.85% 6.94% 4.32% 7.25% 3.46% Bank Only NPL% - 2.16% 2.62% 2.94% 3.08% 2.82% 3.15% 3.02% Bank Only SML% 3.65% 3.93% 2.75% 3.70% 3.87% 4.91% 5.08% Subsidiaries - NPL% 4.88% 5.89% 2.49% 2.08% 1.24% 2.39% 1.30% Subsidiaries - SML% 6.01% 4.41% 6.00% 4.68% 3.90% 5.76% 6.03% Consolidated - NPL % 2.28% 2.80% 2.88% 3.00% 2.67% 3.09% 2.86% Consolidated - SML % 3.70% 3.97% 3.13% 3.81% 3.90% 5.02% 5.20% Note: All numbers are bank only, unless stated as consolidated 34 34#35LOAN QUALITY AND COVERAGE NPL & NPL Coverage LAR & LAR Coverage 305.73% 281.16% 282.49% 239.20% 47.2% 185.94% 154.63% 44.7% 28.3% 36.1% 3.00% 2.88% 2.86% 2.80% 2.67% 23.3% 2.28% 35.5 17.8 39.2 25.3 87.8 93.1 95.2 70.4 25.8% (BRI 49.4% 49.2% 16.5% 16.4% 9.8% 9.2% 248.9 243.0 188.4 193.4 29.4 31.2 30.4 33.7 73.2 84.1 2018 2019 2020 2021 2022 1Q'23 Provision (IDR Tn) NPL (IDR Tn) -NPL % ONPL Coverage 2018 2019 2020 LAR (IDR Tn) LAR % 2021 2022 1Q'23 LAR Coverage Since 2021, LAR and LAR Coverage are presented in consolidated number 35#36CREDIT COST, WRITE OFF, AND RECOVERY Credit Cost 3.58% 3.48% 49.6% 2.71% 2.70% 2.61% 2.55% 2.35% 2.39% 1.80% 1.56% 1.41% 1.37% 36.6 32.8 27.9 22.8 18.3 2018 2019 2020 Provision Exp. - Loan (IDR Tn) 40.4% 17.5 12.5 7.1 6.2 Write Off & Recovery 55.7% 50.8% 50.6% 22.4 17.8 14.3 12.5 9.0 7.3 6.9 2021 2022 1Q'23 2018 2019 2020 CoC % Coc Net % Write-Off (IDR Tn) 2021 Recovery Income (IDR Tn) BRI 65.7% 4.5 3.0 2022 1Q'23 Recovery Rate 36#37COVID-19 RESTRUCTURED LOAN - BANK ONLY (1/2) Declining Restructured Loan Outstanding and Borrowers Outstanding (BRI Covid-19 Restructured Loan Movement (IDR Tn) (IDR Trillion) 22.1% 21.2% 21.3% 19.2% 17.8% 16.6% 14.8% 12.9% 11.6% 10.4% 193.7 186.6 190.6 9.4% 175.2 166.2 157.0 144.3 2.8 129.6 116.5 107.2 99.8 4.6 -2.6 0.8 -5.3 -2.6 -0.1 -4.8 -4.2 -3.7 -4.0 -2.8 3Q20 FY20 1Q21 2Q21 3Q21 FY21 1Q22 2Q22 3Q22 FY22 1Q23 Total Monthly % to Total Loan # Borrowers 97.7 -2.4 260.6 263.4 45.9 (in Million) 24.7% 21.6% 20.4% 19.2% 8 16.3% 14.0% 12.0% 10.5% 9.0% 7.7% 7.0% 17.6 3.0 2.8 2.7 2.5 2.3 99.8 2.1 1.8 1.6 1.4 1.2 1.1 -0.0 -0.1 -0.2 -0.2 -0.1 -0.1 -0.1 -0.1 -0.1 -0.1 -0.1 Accum. Restru Loan - New Restru Loan 3Q20 FY20 1Q21 2Q21 3Q21 FY21 1Q22 2Q22 3Q22 FY22 1Q23 FY22 Accum. Restru Loan - 1Q'23 Paid Off Principal Restru Write Off Restru OS Payment Unflagged 1Q'23 Total Monthly ->% to Total Borrowers 37#38COVID-19 RESTRUCTURED LOAN - BANK ONLY (2/2) OS Composition by Segment Covid-19 Restru. by Stage BRI 4.5% 2.7% 12.3% 25% 2.0% 18.1% 13.7% 18.7% 2.3% 1.3% 3.0% 2.4% 2.6% 5.3% 7.5% 8.6% 6.2% 11.1% 44.2% 43.1% 43.5% 42.0% 42.0% I 5.6% 5.4% 95.7% 6.1% 5.5% 87.1% 91.4% 93.8% 88.9% 1 6.3% 43.0% 36.8% 31.4% 35.0% 30.5% 2020 2021 2022 ■Micro ■Consumer Small ■Medium ■ Corporate 1 I 1 1Q'22 1Q'23 2020 2021 2022 ■Stage 1 1Q'22 1Q'23 ■Stage 2 Stage 3 Covid-19 Restru. by Collectability 1.3% 5.3% 10.4% 9.6% 15.6% 6.2% 15.4% 11.3% 21.2% Covid-19 Loan Provisioning 25.3% 17.7% 27.1% 19.6% 93.2% 7.3% 84.2% 74.7% 78.4% 67.5% I I 13.6 27.8 27.1 28.3 27.1 I 2020 2021 2022 1Q'22 1Q'23 2020 2021 2022 1Q'22 1Q'23 Provision (IDR Tn) Loan Coverage ■Current SML NPL 38 88#39BRI menanam ULTRA MICRO & MICRO BUSINESS BRI#40ULTRA MICRO ECOSYSTEM USAGE ENABLERS Widening Customer Point of Access & Building Cashless Ecosystem Phase 1 - Set up the Foundation +1,000 SenyuM Co-location Cashless Ecosystem +7 million Simpedes UMI Accounts +90k Mekaar BRILink Agents (BRI Phase 2 Strengthen - Strengthening Product Portfolio through Monoline Business Model Sales Acquisition Platform Development (SenyuM Mobile) Σ A Sexy Pengsan Tabrangen LIMI П www M Rp 5 n D 园 8 Allowing Cross- selling through BRI, PNM & Pegadaian Sales Channel +72k BRI, PNM & Pegadaian Loan Officers & Salesforce Data Analytics +34 million Integrated Customer Databases +680k BRILink & Pegadaian Agents Optimizing Empowerment Program Dedicated Digital Application for UMI Customers Culture Activation Program BRIGADE MADANI BRI PNM Pegadaian Data Analytics for Hyper- Personalization 40#41" ULTRA MICRO & MICRO ECOSYSTEM Quantifying the opportunity and the network that is in place Access to comprehensive Ultra Micro & Micro Financing Products Group Lending (PNM Mekaar): IDR 39.2 Tn (36.6% YoY), 14.5 mn borrowers (25.7% YoY) Pawn Lending (Pegadaian): IDR 53.2 Tn (9.8% YoY), 6.7 mn borrowers (4.2% YoY) Micro Loan: a) BRI Micro Loan: IDR 456.5 Tn (9.9% YoY), 14.3 mn borrowers (5.3% YoY) b) PNM Ulamm: IDR 5.4 Tn (-23.8% YoY), 157K borrowers (-17.2% YoY) c) Pegadaian (Non-Pawn Lending): IDR 7.9 Tn (31.8% YoY), +345K borrowers (38.1% YoY) BII +36mn (19.6% YoY) UMi & Micro Borrowers 4 +145mn Micro Deposit Accounts Wider Points of Access (BRI • • • Comprehensive Savings and Beyond Banking Products Micro Savings: IDR 351.1 Tn (-0.1% YoY) Micro Insurance (Life/ Health, House & Property): 8.9 mn insurance policies (29.30% YoY) • • Life/Health: 4.5 mn policies (45.18% YoY) House: 2.5 mn policies (19.55% YoY) • Property: 1.9 mn policies (12.51% YoY) Gold Savings & Investment: 3.3 mn customers & 7,399 kg gold OS (7.9% YoY) Mobile Banking (BRIMO): 25.7 mn users (59.65% YoY) Physical Outlets +15K units (4.2% YoY) (BRI Micro Outlets +6.4K (-6.7% YoY); Pegadaian +4,086 (0.0% YoY); PNM +4,482 (13.6% YoY) Co-Location (Senyum Outlets) 1,013 units (150.7% YoY) BRILink Agents +650K Agents (20.6% YoY) BRI E-Channels +271K units (18.3% YoY) Financial Advisors +72K (9.8% YoY) (BRI +27.2K (-0.4% YoY); Pegadaian +2.2K (7.2% YoY); PNM +43.1K (17.6% YoY) 41#42THE ULTRA MICRO ECOSYSTEM UMI Holding Leading Our Loan Growth Forward Loan Composition - Outstanding # Borrowers (IDR Trillion) 11.2% YoY 551.3 563.4 506.7 483.9 42.6 45.8 24.2% 34.5 59.1 36.8 61.2 54.5 52.4 12.3% 449.6 456.5 397.0 415.4 351.4 9.9% 307.7 274.3 2018 2019 2020 2021 BRI Micro Key Ratios 2022 * Pegadaian PNM Total Q1'22 Q1'23 BRI (in Mio) 12.5% YoY 35.3 36.0 32.0 31.0 25.0% 14.0 14.6 11.2 11.7 5.4% 7.0 7.1 6.6 6.7 5.3% 10.0 10.5 11.7 13.3 14.4 13.6 14.3 2018 2019 2020 2021 2022 Q1'22 Q1'23 BRI Micro ■Pegadaian PNM Total BRI Pegadaian PNM Description 3Q'21 1Q'22 FY'22 1Q'23 3Q'21 1Q'22 FY'22 1Q'23 3Q'21 1Q'22 FY'22 1Q'23 Cost of Fund 2.1% 1.7% 1.9% 2.6% 6.2% 4.8% 4.9% 5.7% 8.7% 8.9% 7.6% 6.9% Opt. Expenses to Opt. Income 76.4% 64.3% 64.2% 60.7% 75.5% 70.1% 71.1% 65.3% 88.1% 89.4% 90.3% 86.1% CIR 42.1% 38.4% 42.0% 37.4% 63.0% 66.9% 63.7% 55.3% 76.6% 60.5% 67.7% 70.2% Pegadaian, PNM's Cost Of Fund (COF) calculated by dividing annualized interest expense with average monthly Interest Bearing Liabilities *PNM's financing outstanding include financing disbursed to LKMS (Syariah Micro Financing Institution) and venture capital 42#43BRI MICRO BUSINESS PERFORMANCE Increasing Kupedes Composition and Customer Base Micro Loan Outstanding (IDR Trillion) 9.9% # Borrowers (in Mio) 5.3% BRI # Borrowers per Loan Officer 528 528 14.4 14.3 488 502 449.6 456.5 13.3 13.6 415.4 0.6 0.6 430 397.0 11.7 0.7 0.7 68.9 68.2 2.8 351.3 10.5 375 73.5 10.0 0.8 2.6 3.7 356 2.8 307.7 74.9 0.9 274.3 79.9 129.2 0.9 165.7 3.4 83.2 128.1 131.8 3.9 78.7 3.6 144.7 10.9 9.8 10.3 10.0 155.1 131.3 251.5 190.3 213.8 222.5 7.5 5.5 5.7 126.7 64.3 69.3 2018 2019 2020 2021 2022 1Q'22 1Q'23 2018 2019 2020 2021 2022 1Q'22 1Q'23 2018 2019 2020 2021 2022 Q1'22 Q1'23 ■KUR ■ Kupedes Briguna g YoY ■KUR ■Kupedes Briguna g YoY Growth YoY Growth YoY Loan Outstanding per Loan Officer Product 2018 2019 2020 2021 2022 1Q'22 1Q'23 Product 2018 2019 2020 2021 2022 1Q'22 1Q'23 (in Bio) 16.5 16.8 15.3 14.6 KUR 8.5% 7.9% 82.8% 50.1% 32.2% 49.6% 4.1% KUR 7.4% 4.5% 31.4% 31.1% 10.8% 27.9% -3.3% 12.9 11.0 9.8 Kupedes 20.6% 18.1% -6.8% -8.9% -1.9% -7.6% 29.3% Kupedes 7.2% 8.7% -12.8% -19.5% 2.7% -19.2% 43.0% Briguna 10.4% 5.8% -4.0% -6.3% -8.0% -6.3% -7.2% Briguna -1.9% -3.9% -9.8% -10.1% -13.6% -12.7% -10.4% Total 14.5% 12.2% 14.2% 13.0% 13.3% 15.4% 9.9% Total 6.5% 5.3% 11.4% 13.5% 7.8% 12.7% 5.3% 2018 2019 2020 2021 2022 Q1'22 Q1'23 Bank only numbers 43#44(IDR Tn) 13.3 STRONG COMMERCIAL MICRO DISBURSEMENT Kupedes Product Driving Micro Loan Disbursement Kupedes Accumulated Disbursement (IDR Tn) 28.1 2021 65.5 44.8 35.2 16.2 2022 80.5 59.3 57.8 Q1 Q2 Q3 Q4 (IDR Tn) (BRI Micro Monthly Disbursement (IDR Tn) 34.0 32.2 26.5 37,8% 24.5 7,7% 73,5% 6.0% 20.7 19.1 8,1% 75,0% 71,1% 91,9% 6,2% 6,1% 92,3% 56,2% 6,3% 20,2% 22,7% 18,8% 2023 Jan-22 Jan-23 Feb-22 Feb-23 Mar-22 Mar-23 ■Kupedes Briguna Mikro KUR Total Mikro 44#45FOCUS ON INCREASING HIGH YIELD ASSETS Overarching Strategy: Boost Kupedes loan Growth to Increase Profitability Product Innovation & Alignment . Bullet loan Kupedes Rejuvenation • Hybrid scheme (Kupedes Utama) • • Auto renewal Pre-approval . Lower ticket size KECE (Kupedes Extra • Shorter tenor Cepat) • Faster approval Simpedes Bisa Product Realignment Micro savings product with investment & protection features Aligning micro loan product within BRI, PNM (Ulaam) and Pegadaian (Kreasi) New Business Model Sharing network among BRI, Pegadaian & PNM to offer wider access for UMi customers & enhance cross selling Co-Location Senyuй SENTRA LAYANAN ULTRA MIKRO BRILink Mitra UMi Loan Officer BRIUMI Partner Redefine BRILink agents' roles as the primary loan acquirer and to empower Ultra Micro Segment M UMI Borrowers Micro Develop micro payment ecosystem to capture Hyperlocal micro transactions, boosting CASA, and fee Ecosystem income BRI Business Process Reengineering BRI SPOT Enhancing Digital Micro Loan Underwriting Application Sales management, Monitoring & evaluation, Cross selling, Origination & approval Mobile Integrated digital sales Senyum platform for BRI, Pegadaian & PNM to enable cross selling & joint acquisition Loan Officers' Business Coverage Loan Officer Designated Coverage Area Designated Coverage Area prevents overlapping customers and enables loan officers to work more efficiently with a better familiarity to maximize the potential of an area. Big Data Advance Analytics (BRIKODES) as BRI's inclusion management tool which produces recommendation matrices up to sub-district level (inclusion, product holding, digital literacy & risk management) New Rules of KUR Disbursement KUR Allocation Breakdown Parameter Kupedes Borrowers Growth Lil Kupedes OS Growth KUR Loan Quality KUR allocation was determined monthly based on several parameter Breakdown Mechanism Mar'23 - First Breakdown Q1 → Q2 → Q3 Evaluation The new mechanism encourages the distribution of Micro KUR to remain maximal but still maintain Micro yield by growing customer base and high Kupedes growth 45#46LATEST KUR REGULATION Attractive For Transitioning Into Commercial Micro Lending Ref. Coordinating Ministry of Economy Policy No. 1 dated 2023 On January 25th, 2023 2022 1 Requirements of New KUR Borrowers 2 Restrictions on Receiving KUR 2023 BRI Currently no commercial loan Micro: • Trading Sector: max loan ceiling accumulation of Rp200 Mn Non-Trading Sector: no limitation Never had a commercial loan Priority Sectors (Agribusiness, Livestock, Fishery, and Plantation): • KUR terms of max 4x (KUR facility is renewable up to 3x); or • Micro KUR: Max loan ceiling accumulation of Rp400 Mn Small KUR: Max loan ceiling accumulation of Rp500 Mn Other Sectors: KUR terms of max 2x (KUR facility is renewable once); or Micro KUR: Max loan ceiling accumulation of Rp200 Mn Small KUR: Max loan ceiling accumulation of Rp500 Mn 3 Lending Rate Charged to Borrowers Super Micro KUR: 6% Small and Micro KUR: 6% • • Super Micro KUR: 3% Small and Micro KUR: Step-up lending rate 1st term: 6% 2nd term: 7% 3rd term: 8% 4th term: 9% 46#47PT. PEGADAIAN Market Leader in Indonesia's Pawn Industry Services BRI Balance Sheet Highlight 2021 2022 1Q'22 10'23 g YoY Total Assets 65,776 73,330 68,013 76,137 11.9% Loan Outstanding (Gross) 52,420 59,053 54,477 61,159 12.3% Total Liability 39,517 44,911 40,899 46,962 14.8% Total Equity 26,259 28,418 27,113 29,176 7.6% Income Statement Highlight 2021 2022 1Q'22 10'23 Net Interest Income 10,622 11,645 2,817 2,922 g YoY 3.7% Other Operating Income 1,523 1,638 392 488 24.5% Overhead Cost* 7,627 8,463 2,146 1,886 -12.1% Net Income After Tax 2,427 3,299 821 1,040 26.7% ■ Micro-fiduciary financing *Excluding Cost of Good Sold for gold Key Ratios Loan Composition As of 10'23 13% O 87% Products & Services ■ Pawn financing ■Gadai ■ Gold savings Non Gadai ■ Others (e.g., money transfers, payments) Extensive Network & Sales Force NIM COF BOPO CIR Pegadaian 2021 2022 1Q'22 10'23 ΔΥΟΥ 19.4% 21.2% 21.2% 19.6% -1.6% 6.0% 77.5% 4.9% 71.1% 4.8% 5.7% 0.9% EL כזר 70.1% 65.3% -4.8% +4,000 Outlets +2,200 Sales Force 62.8% 63.7% 66.9% 55.3% -11.5% The oldest pawn service provider with more than 120 years experience ■ The largest pawn service provider based on Asset & Loan ■ Leader in pawn lending with market share of more than 95%, catering to more than 7.1 mio borrowers +7.1 Mio Active Borrowers Gold Savings +3.3 Mio Active Cust. with +7.4 Tonne gold outstanding 47#48PT. PERMODALAN NASIONAL MADANI Leading Women's Group Lender in Indonesia PNM Permodalan Nasional Madani Loan Composition Balance Sheet Highlight As of 10'23 2021 2022 1Q'22 10'23 g YoY Total Assets 43,712 46,833 45,029 50,903 13.0% Loan Outstanding (Gross) 34,523 42,595 36,839 45,761 24.2% Total Liability 37,274 39,405 38,338 43,044 12.3% Total Equity 6,438 7,429 6,691 7,859 17.5% Income Statement Highlight 2021 2022 1Q'22 1Q'23 Net Interest Income 6,119 10,236 2,086 Other Operating Income 236 314 68 3,148 62 g YoY 50.9% -9.3% 86% Overhead Cost 4,739 7,141 1,304 2,255 72.9% Net Income After Tax 845 992 257 433 68.5% Key Ratios NIM COF BOPO CIR 2021 2022 1Q'22 10'23 ΔΥΟΥ 20.2% 26.3% 23.4% 28.4% 9.7% 8.6% 88.3% 7.6% 90.3% 8.9% 6.9% -1.9% 89.4% 86.1% -3.3% 74.5% 67.7% 60.5% 70.2% 9.7% The largest group lending provider in Indonesia 12% BRI 2% ■Mekaar ULAMM Others Products & Services ■ Mekaar group lending for female borrowers ■ ULAMM Micro lending Extensive Network & Sales Force " Catering to more than 14.5 Mn borrowers Providing loans that are aimed to empower underprivileged women TITTIT Extensive network with +4,400 outlets across Indonesia Strong sales force with +40,000 account officers 48#49BRI menanam 10'23 BANK ONLY PERFORMANCE BRI#50% FINANCIAL HIGHLIGHT - BANK ONLY Description Asset/Liabilities Total Assets (IDR Billion) Total Loans (Gross) (IDR Billion) Total Deposits (IDR Billion) Asset Quality NPL (gross) NPL (nett) NPL Coverage LAR LAR Coverage Credit Cost Liquidity CASA LDR Profitability Net Profit (IDR Billion) Cost of Fund (CoF) NIM Cost to Income Ratio (CIR) Operating Expense to Operating Income ROA before tax ROA after tax ROE Tier 1 ROE B/S Capital Tier1 CAR Total CAR (BRI (IDR Billion) g YoY 2018 2019 2020 2021 2022 1Q'22 1Q'23 g QoQ 1,234,200 1,343,078 1,421,785 1,572,761 1,750,995 798,881 859,558 880,675 943,703 1,029,803 898,033 969,750 1,052,664 1,127,849 1,300,776 1,540,856 1,699,676 974,802 1,065,325 1,118,705 1,249,503 -2.9% 10.3% 3.4% 9.3% -3.9% 11.7% 2.16% 0.92% 200.61% 9.17% 47.20% 2.31% 2.62% 2.94% 1.04% 0.80% 166.59% 247.98% 9.78% 28.26% 44.65% 25.77% 2.47% 3.28% 3.08% 2.82% 0.70% 0.73% 278.14% 291.54% 24.11% 17.11% 35.56% 48.00% 3.42% 2.47% 3.15% 0.77% 275.66% 268.93% 22.58% 16.89% 38.50% 48.02% 2.96% 2.44% 3.02% 0.20% -0.14% 0.82% 0.09% 0.05% -22.60% -6.72% -0.22% -5.69% 0.02% 9.52% -0.03% -0.52% 61.84% 59.01% 61.00% 89.57% 88.64% 83.66% 63.30% 66.92% 83.67% 79.17% 63.75% 64.79% 87.14% 85.26% -2.14% 1.04% 6.09% -1.88% 68.48% 70.10% 31,702 34,029 3.47% 3.58% 7.45% 6.98% 29.56% 40.03% 45.40% 81.22% 18,353 32,215 47,828 10,903 13,796 29.6% 26.5% 3.22% 2.05% 1.87% 1.73% 2.56% 0.68% 0.83% 6.00% 6.89% 6.80% 6.85% 6.67% -0.14% -0.18% 43.26% 41.95% 38.37% 37.37% -4.58% -1.00% 74.30% 64.20% 64.26% 60.70% -3.50% -3.56% 3.68% 3.50% 2.86% 2.77% 1.39% 20.49% 19.41% 11.05% 18.87% 17.77% 9.91% 1.98% 2.72% 3.76% 3.56% 4.11% 0.35% 0.55% 2.23% 3.03% 16.87% 20.93% 14.09% 16.76% 2.84% 3.27% 0.25% 0.43% 19.11% 23.75% 15.39% 2.82% 4.64% 18.97% 2.21% 3.58% 20.15% 21.52% 19.59% 21.21% 22.55% 20.61% 24.27% 22.30% 25.28% 23.30% 21.39% 21.94% 22.39% 23.01% -0.36% 0.55% -0.29% 0.62% 50#51BALANCE SHEET - BANK ONLY Balance Sheet Optimization Supported by High Growth in Low-Cost Fund BRI (IDR Billion) Items 2020 2021 2022 1Q'22 1Q'23 QoQ YOY Cash and Cash Equivalent Total Earning Assets: 80,711 1,348,177 82,059 1,504,797 177,282 1,573,609 69,304 115,067 -35.1% 66.0% 1,478,481 1,586,926 0.8% 7.3% - Placement with BI & Other Banks 74,533 66,922 88,710 70,477 77,619 -12.5% 10.1% - Receivables (Acceptance & Others) 35,872 39,856 47,075 45,349 50,425 7.1% 11.2% - Loans 880,675 943,703 1,029,803 974,802 1,065,325 3.4% 9.3% - Gov't Bonds & Marketable Securities 344,531 408,265 360,085 341,484 344,980 -4.2% 1.0% - Other Earning Assets 12,566 46,051 47,936 46,369 48,577 1.3% 4.8% Earning Asset Provision: - Loans Provisions - Other Provisions Fixed & Non Earning Assets Total Assets Third Party Funds: - CASA (66,444) (82,868) (86,447) (86,837) (88,415) 2.3% 1.8% (64,129) (80,911) (84,579) (84,730) (86,400) 2.2% 2.0% (2,314) (1,957) (1,868) (2,108) (2,015) 7.9% -4.4% 59,340 68,773 86,550 79,909 86,098 -0.5% 7.7% 1,421,785 1,572,761 1,750,995 1,540,856 1,699,676 -2.9% 10.3% 1,052,664 1,127,849 1,300,776 1,118,705 1,249,503 -3.9% 11.7% 642,150 713,973 870,532 713,187 809,506 -7.0% 13.5% Current Account 183,002 219,397 349,492 227,276 309,871 -11.3% 36.3% Savings Account 459,148 494,576 521,040 485,911 499,635 -4.1% 2.8% - Time Deposits 410,513 413,876 430,244 405,518 439,997 2.3% 8.5% Other Interest Bearing Liabilities 134,912 103,204 95,353 77,055 88,168 -7.5% 14.4% Non-Interest Bearing Liabilities 39,850 55,291 61,244 76,552 89,465 46.1% 16.9% Total Liabilities 1,227,426 1,286,343 1,457,373 1,272,312 1,427,136 -2.1% 12.2% Tier 1 Capital 174,757 231,397 234,728 212,728 214,328 -8.7% 0.8% Total Equity 194,359 286,418 293,622 268,544 272,540 -7.2% 1.5% Total Liabilities & Equity 1,421,785 1,572,761 1,750,995 1,540,856 1,699,676 -2.9% 10.3% 51#52LOAN PORTFOLIO - BANK ONLY Micro Driven Persistent Loan Growth Capitalizing On Economic Recovery Momentum Loan Outstanding - by business segment Composition - by business segment (%) BRI (IDR Trillion) 1,065.3 1,029.8 974.8 943.7 880.7 196.5 859.6 180.6 24.1% 22.2% 19.1% 18.3% 17.5% 18.2% 18.4% 177.6 798.9 172.4 24.0 210 2.3% 2.2% 2.0% 2.1% 2.3% 168.4 20 4 2.5% 191.1 2.3% 20.8 216.9 220.9 192.5 20.0 22.4% 21.6% 21.1% 21.5% 20.7% 21.5 209.4 204.1 22.9% 23.1% 18.3 197.2 198.7 161.7 167.5 15.8% 15.7% 15.6% 15.7% 183.0 151.9 16.3% 149.4 16.4% 16.3% 143.7 140.5 130.8 449.6 456.5 397.0 415.4 39.9% 42.1% 43.7% 42.6% 42.8% 351.3 34.3% 35.8% 274.3 307.7 2018 2019 2020 2021 2022 1Q'22 1Q'23 2018 2019 2020 2021 2022 1Q'22 1Q'23 Micro Consumer Small Medium Corporate Total YoY Growth (%) (IDR Tn) 9.9 10.2 5.5 17.7 10.6 9.3 41.0 15.5 11.5 3.6 18.9 90.5 Since 2022, BRI has classified SOE and Corporate non-SOE into Corporate Segment 52 52#53" INCOME STATEMENT - BANK ONLY Stronger Profitability From Business Operation Efficiency and Moderated Credit Cost Items 2020 2021 2022 BRI (IDR Billion) 1Q'22 4Q22 1Q'23 QoQ YOY Interest Income 109,959 119,828 123,835 30,216 29,051 34,703 19.5% 14.9% Interest from Loans 95,626 104,883 107,535 26,263 24,347 29,522 21.3% 12.4% Int. from Other Earning Assets 14,333 14,945 16,300 3,953 4,704 5,181 10.2% 31.1% Interest Expense (34,812) (24,008) (22,830) (5,127) (7,446) (8,438) 13.3% 64.6% Net Interest Income 75,147 95,819 101,005 25,089 21,605 26,266 21.6% 4.7% Fee & Other Opr. Income 28,430 32,401 38,320 7,827 11,617 9,168 -21.1% 17.1% Gross Operating Income 103,577 128,220 139,325 32,916 33,222 35,434 6.7% 7.6% Operating Expenses (46,396) (54,778) (56,618) (12,618) (15,436) (13,175) -14.6% 4.4% Pre Provision Operating Profit 57,181 73,442 82,706 20,298 17,786 22,259 25.1% 9.7% Provision Expenses (30,989) (34,018) (23,564) (6,695) (4,200) (4,976) 18.5% -25.7% Non Operating Income (Net) (31) (203) 277 28 (98) 42 -142.7% 49.4% Profit Before Tax n Minor. Int. 26,161 39,221 59,419 13,631 13,488 17,325 28.4% 27.1% Tax Expense (7,808) (7,005) (11,591) (2,728) (2,845) (3,529) 24.0% 29.4% Net Profit 18,353 32,215 47,828 10,903 10,643 13,796 29.6% 26.5% Note: all numbers are bank only, unless stated as consolidated 53#54" OTHER OPERATING INCOME & OPERATING EXPENSES - BANK ONLY Positive Other Operating Income Growth with Manageable Operating Expenses BRI Fee & Other Operating Income IDR Billion Description 2020 2021 2022 1Q'22 4Q'22 1Q'23 g QoQ g YoY Gain Fr Sales of Securities (realized) 2,513 3,190 1,431 433 277 339 22.4% -21.7% Increase in Fair Value of Securities (unrealized) 285 0 50 75 29 121 313.3% 62.1% Fees and Commissions 15,183 16,548 18,470 4,271 4,826 4,927 2.1% 15.4% Gain from Forex 1,252 1,736 993 411 -74 231 -411.2% -43.9% Recovery 7,161 8,918 11,857 2,336 3,612 2,915 -19.3% 24.8% Others 2,035 2,008 5,520 301 2,947 636 -78.4% 110.8% Total Other Operating Income 28,430 32,401 38,320 7,827 11,617 9,168 -21.1% 17.1% Operating Expenses Description IDR Billion 2020 2021 2022 1Q'22 4Q'22 1Q'23 g QoQ g YoY Personnel 24,980 29,961 29,316 7,179 8,368 7,614 -9.0% 6.1% General and Administration 16,107 17,693 19,039 3,798 5,906 4,941 -16.3% 30.1% Losses from sale of Securities and Govt. Bonds 34 Promotion 2,146 2,005 2,411 309 974 282 -71.1% -8.8% Others 3,163 5,085 5,852 1,332 188 339 79.9% -74.6% Total Other Operating Expenses 46,396 54,778 56,618 12,618 15,436 13,175 -14.6% 4.4% Note: all numbers are bank only, unless stated as consolidated 54#55BRI menanam 10'23 BANK ONLY LOAN QUALITY BRI#56" LOAN QUALITY - BANK ONLY Classified Loan, Write Off, and Recovery Non-Performing Loan - by Segment NPL Coverage BRI IDR Trillion Segment 2018 2019 2020 2021 2022 1Q'22 1Q'23 Micro 1.01% 1.18% 0.83% 1.49% 1.74% 1.77% 2.24% 291.5% 278.1% 275.7% 268.9% 248.0% 200.6% Consumer Small Medium Corporate Total 1.03% 1.10% 1.49% 1.78% 1.83% 3.14% 3.17% 3.61% 4.05% 4.30% 6.80% 5.38% 4.61% 3.57% 2.26% 5.49% 5.18% 7.57% 6.68% 4.68% 2.16% 2.62% 2.94% 3.08% 2.82% 1.93% 2.01% 4.39% 4.45% 166.6% 80.9 84.6 84.7 86.4 64.1 3.95% 2.06% 34.6 37.5 22.5 25.9 29.1 29.0 30.7 32.1 5.89% 4.19% 17.2 3.15% 3.02% 2018 2019 2020 2021 2022 1Q'22 1Q'23 Provision NPL -O-NPL Coverage Special Mention - by Segment Write Off & Recovery Segment 2018 2019 2020 2021 2022 1Q'22 1Q'23 71.4% 66.2% 60.9% 59.1% Micro 3.51% 3.51% 2.47% 3.03% 3.95% 4.44% 6.17% 51.0% 52.4% Consumer 2.49% 2.52% 2.69% 2.20% 2.76% 2.95% 3.45% 41.1% Small 4.28% 4.63% Medium 2.87% 2.97% 3.19% 3.42% 4.30% 3.07% 3.08% 2.55% 5.46% 5.70% 20.2 17.0 13.7 14.6 12.2 3.14% 3.08% 11.9 8.9 6.2 7.0 7.2 3.3 2.3 4.4 2.9 Corporate Total 7.73% 5.04% 3.65% 3.93% 2.85% 6.94% 4.32% 7.25% 3.46% 2018 2019 2020 2021 2022 1Q'22 1Q'23 2.75% 3.70% 3.87% 4.91% 5.08% Write Off Recovery Income Recovery Rate 56 Note: All numbers are bank only, unless stated as consolidated#57LOAN QUALITY - BANK ONLY Loan at Risk Continues to Decline Coupled with More Adequate Provisioning Loan at Risk (BRI 29.8% 28.3% 24.1% % to Total Loan 27.2% 26.2% 21.8% Total Restructured Loans % to Total Loan 17.1% 16.9% 14.4% 22.1% 13.3% 21.2% 22.1% 21.2% I 16.6% 16.6% 1 10.4% 9.4% 10.4% 9.4% 1 7.7% 7.1% 7.5% 6.7% 7.5% 5.1% 5.0% 5.1% 3.9% 3.9% 3Q'20 2020 2021 2022 1Q'23 3Q'20 2020 2021 2022 1Q23 LAR Non Covid-19 Restru Covid-19 -Total LAR Restru Non Covid-19 Restru Covid-19 Total Restru LAR & LAR Coverage (Inc. Covid-19) 48.0% 48.0% 35.6% 29.8% 28.3% Total Restru. Loan by Collectability 10.3% 13.2% 16.3% 20.8% 25.8% 73.4% 24.1% 21.8% 17.1% 16.9% 66.1% I 3Q'20 2020 2021 2022 1Q'23 1Q'22 1Q23 ■Current SML NPL LAR -O-LAR Coverage 57#58WELL MANAGED PEAK TO TROUGH ASSET QUALITY Minimal Historical Impact of Inflation on Micro Asset Quality 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% 2.2% Inflation vs Asset Quality vs Credit Cost 6.0% 5.0% 4.0% 3.5% 3.02% 3.0% 2.55% 2.44% 2.0% 1.0% 0.0% 0.0% FY06 FY07 FY08 FY09 FY10 FY11 FY12 Inflation Lagged T-1 (LHS) FY13 FY14 Credit Cost FY15 FY16 FY17 BRI Total NPL FY18 FY19 FY20 FY21 FY22 1Q'23 BRI Micro NPL + Write Off Note: all numbers are bank only, unless stated as consolidated 58 58 BRI#59BRI menanam ESG INITIATIVES BRI#60: BRI SUSTAINABILITY STRATEGY BRI BRIVOLUTION 2.0 "The Most Valuable Banking Group in Southeast Asia and Champion of Financial Inclusion" "World Class Sustainable Banking Group focusing on Environmental, Social, and Governance dimensions" Environmental Onboarding Climate Change strategy Green banking policy Environmental risk management Carbon emissions management SUSTAINABILITY PILLAR STRATEGY Social Empowering the community Human capital management Human rights Financial inclusion • • Social responsibility • Operational eco- efficiency Governance Maintaining good corporate governance Product governance Corporate governance Business ethics Information/cyber security system Q1'22 Q3'22 KEY ESG INITIATIVES Establishment of BRI's Sustainable Strategy First Bank in Indonesia as Signatory of Partnership for Carbon Accounting Financials (PCAF) Issued Green Bond (IDR 5 Tn) Q2'22 Issued Policy on Fixed Asset Management & ESG-Based Procurement Q1'23 ■Issued Respectful Workplace Policy Green Campaign Implementation (Zero Waste to Landfill) New Green office Building "BRILIAN Tower" BRI Menanam Program Issued Data Management Policy Installation of the Public Electric Vehicle Charging Station Electric vehicles as operational vehicles Issued Pulp & Paper Loan Policy Conducted Financed Emission Calculation Q4'22 New Regulation on Principles of Human Rights in Employment Solar Panel Installation at BRI Tower Medan Participant of United Nations Global Compact (UNGC) 60#61: ENVIRONMENTAL - PERFORMANCE HIGHLIGHTS BRI Green Portfolio Assets IDR 80.2T Loans to Green Sectors Renewable Energy: IDR 6.8 T As of 1Q'2023 7.5% of BRI total loan Green Transportations: IDR 11.9 T Green Building: 1.9 T Other Environmentally Friendly Sector: IDR 59.6 T Liabilities BRI Sustainability Bond 2019 BRI Geen Bond 2022 26% of total bond proceeds used for Green Projects 80% of total bond proceeds used for Green Projects Carbon Emission Management Scope 1 132,235 Ton CO2e Scope 2 360,135 Ton CO2e As of FY2022 Scope 3- 11,147,801 Ton CO2e BRI has carried out financed emission calculation. The calculation and reporting of financed emissions refers to The Global GHG Accounting and Reporting Standard, The Partnership for Carbon Accounting Financials (PCAF) standards and Science Based Target Initiative (SBTi). VPCAF Partnership for Carbon Accounting Financials SCIENCE BASED TARGETS DRIVING AMBITIOUS CORPORATE CLIMATE ACTION Note: all numbers are bank only, unless stated as consolidated BRI Green Operations BRILIAN Tower is a 37 floor Green Building that received Gold category greenship certificate from the Green Building Council Indonesia in 2022 As of 1Q'2023 Public Electric vehicle charging station at the Head Office 50 Unit Electric motorcycle 43 Unit Electric cars 143 Solar Panels at BRI Tower Medan Waste Management System (238 tonnes of waste were recycled during August - December 2022) BRI BRI Tree Planting Program As of 1Q'2023 Target 1,75 Mn trees until 2023 BRI Tree Planting (BRI Menanam) has distributed 680,848 tree seedlings and reached 2,196 villages throughout Indonesia 317.695 distributed to KUR borrowers 363.153 tree seeds planted in 2.196 villages 61#62: SUSTAINABLE BUSINESS ACTIVITIES Micro & SMES IDR 630.7 Tn Environmentally Sustainable Management of Living Natural Resources & Land Use IDR 53.2 Tn (BRI BRI Loan Policy BRI Negative List Loan Policy, BRI is committed to have no exposure in several sectors including but not limited to: Illegal Logging Cultivation of Marijuana & Narcotics productions and trading Renewable Energy IDR 6.8 Tn Sustainable Business Activities* Loan Portfolio As of 1Q 2023 11.1% YOY X Green Building IDR 1.9 Tn Forced labor, child exploitation, human rights violation Money Laundering IDR 639.8 Tn 65.6% of Total Loans IDR 710.9 Tn 66.7% of Total Loans Destroying historical and archaeological building Clean Transportation IDR 11.9 Tn Pollution Prevention & Control IDR 1.7 Tn Terrestrial & Aquatic Biodiversity Conservation IDR 587 Bn "The BRI Sustainable Business Activities Loan Portfolio has sustainably increased and the highest among peers" IDR 4.1 Tn Other Sustainability-related projects IDR 42.5 Bn Sustainable Water and Wastewater Management X Trading protected animals 1Q '22 1Q 23 IDR 3.9 Bn X Fishing business using fishing gear that is prohibited by regulation Eco-efficient Product, Production Technologies and Processes Other fields/sector according to applicable law Specific Loan Policy *Bank Only Number ■CPO Sector Required to has an ISPO/RSPO certificate or at least has registered in the ISPO certification process ■Pulp & Paper Sector Requires to comply to HCV, HCS, FSC, IFCC, and Timber Legality Verification System (SVLK). Other Loan Policy No borrowers with Black PROPER rating (Company Performance Rating Assessment by Ministry of Environment and Forestry) ■ Other requirements in accordance with the applicable law#63BRI ESG FUNDING SUSTAINABILITY BOND First Sustainability Bond in Southeast Asia with RegS Format Transaction Highlight • Issue date: 21 March 2019 • Size: $500 Million • Maturity: 5 years Proceeds Allocation 74% 1 (As of December 2022) 26% ■ Green Project Contribution to SDGs 8 DECENT WORK AND ECONOMIC GROWTH 1 The First Asia Financial Sector launching sustainability-linked loan Social Project GREEN BOND The Largest PUB (Shelf Registration) of Green Bond in Indonesia Transaction Highlight • Issue date: 21 July 2022 • Size Phase I: IDR 5 trillion . Maturity: 5 years Proceeds Allocation (As of December 2022) 20% 10 REDUCED INEQUALITIES 11 SUSTAINABLE CITIES AND COMMUNITIES Contribution to SDGs AFFORDABLE AND CLEAN ENERGY 80% ■ Green Project Social Project <<BRI BRI ESG Bond Issuance As of 1Q 2022 Total Bond Issuance Rp 30.79 Tn 76.7% 23.3% ESG Themed Bond Other Bond As of 1Q 2023 DECENT WORK AND ECONOMIC GROWTH M 13 CLIMATE ACTION Total Bond Issuance Rp 34.97 Tn Growth ESG Bond: 143.7% YoY • • SUSTAINABILITY-LINKED LOAN Transaction Highlight • Signing Date: 26 August 2022 Facility Size: USD 1 billion Sustainability Performance Target (SPTs): % Micro Loan Composition Tenor 4 years Contribution to SDGs 1 NO POVERTY 8 DECENT WORK AND ECONOMIC GROWTH INDUSTRY, INNOVATION AND INFRASTRUCTURE 50.0% 50.0% ESG Themed Bond Other Bond 63#64SOCIAL PERFORMANCE HIGHLIGHTS - Assets BRI Social Portfolio IDR 630,7 T Loans to MSME Sector Liabilities 59.2% of BRI total loan Gender Equality Employee Engagement Index BRI As of 1Q'2023 % Woman in Management 3.48 3.46 25% 23% 3.39 BRI Sustainability Bond 2019 BRI Geen Bond 2022 74% of total bond proceeds used for Social Projects 20% of total bond proceeds used for Social Projects Financial Inclusion BRI Digital Advisor To increase the financial and digital literacy of our customers, BRI introduced Digital Advisors. This concept increases customers' digital savviness and assist them in completing digital financial transactions BRI's Significant Role in Financial Inclusion 84.0% Financial Inclusion by Use of Products 39.6% Financial Literacy 23.8% Depth of Financial or Services Inclusion Based on BRI Institute's 2022 research 2020 2021 2022 Employee Turnover Rate % Woman in BOD-1&2 17% 17% 1.84 1.73 % Woman in BOM 25% 23% 2021 2022 2020 2021 1.12 2022 Human Rights Policy Internal policy regarding Respectful Workplace Policy (July 2022) Internal policy concerning Principles of Human Rights in Employment (March 2023) 64#65BRI FOR COMMUNITY BRILIAN VILLAGE EMPOWERMENT desa Village empowerment program with the aim of brilian creating economically independent villages and able to grow sustainably DESA BRILIAN Profile 2.473 Desa Brilian 663 Village Tourism 139 Plantation 598 Manufacturing 48 Husbandry 468 Service 32 Fisheries 327 Trading 198 Others BUSINESS CLUSTER EMPOWERMENT (KLASTER HIDUPKU) klasterku Business Cluster Empowerment Programs which formed based on similarities in business, fields and interests hidupku Business Cluster Criteria: At least consist of 8 people 2 Regional similarities Having similar business or commodities 16,137 Business Cluster 210,143 Business Cluster's Member 168,402 Number of Members Having Saving Accounts MSMES UPSCALE PLATFORM The Online Platform, which can be accessed through linkumkm the website & application, aims to upscale MSME through a series of integrated empowerment programs Linkumkm features highlight: # LINK UMKM USERS 3.219.910 # Storefront 13.083 337 415 Module Expert # Community 858 ☐ Application based: Available @Playstore/ @Appstore ☐ Web based: linkumkm.id PASAR RAKYAT INDONESIA (PARI) PARI an (Indonesian People's Market) is Integrated Commodity Platform that provides PARI transactions convenience and various solutions for commodity ecosystem players in a holistically integrated BRI services 50,337 User PARI Features Market Place Payment IDR 8,7 Th IDR 3,0 Th B2B Services Digital Loan Trx Value Short term Loan BRI 65#66ULTRA MICRO ECOSYSTEM EMPOWERING UNDERPRIVILEGED WOMEN PNM Mekaar provides access to capital, assistance, & capacity building programs for Underprivileged Women Community & SME, especially female housewives. As of 1Q'2023 PNM Mekaar Business Capacity Development Initiatives Training for Borrower Preparation Training Program for prospective customers of PNM Mekaar BRI Carried out for 3 days prior to loan disbursement +40,600 +14.5Mn 25.7% YoY Female Borrowers Meaningful Weekly Group Meeting Mekaar Account Officer % +IDR 39.2 Tn BUMN All Mekaar Account $ 36.6% YoY Loan Outstanding Officers are female NM 5 Cara Mudah Meningkatk Keuntungan Dengan Menambah Produk yang Ters Contohnya apabila ibu-ibu menjual sabun mand namun para pelanggan juga ingin membeli sikat maka ibu-ibu bisa menambahkan sikat gigi sebe produk tambahan untuk dijual Dengan Meningkatkan i Kepada Pelanggan Bersikap ramah adalah salah a pelayanan yang baik dalam me menerapkan salah satu cars in oyal dan sering membeli prod Memperluas Target Pelanggan Contohnya, apabile saat ini ibu berjuslan make anak-anak TK Ibu-ibu bisa menyediakan makan pera orang tua yang mengantar anak-anakaya sehingge ibu-ibu bisa mendapat pelanggan bers Membuat Variasi Ukura Contohnya, menjual produk d yang beragam egar para kon dengan yang dibutuhkan Gunakan Kemasan Ekonomis Menggunakan kemasan ekonomis, breo menesan produk tetapi masih bisa meningkatkan keuntu Misalmesan kertas, plastik, ataupun s PNM BUMN PNM Mengelola Keungan Usaha dan Keluarga 01 Sadakan Uang Usaha dan Uang untuk Keluarga Membedakan uang usaha dan uang keluarga memudahkan salnya untuk keperluan usaha dan makan sehari-hari, 03 Membiasakan Henabung Membiasakan menabung atau menyisihkan uang dari hasil usaha setiap harinya. Misal menyisikan Rp2000 per hari dapat membantu mengatur uang dengan membuba 02 Pisahkan Uang Usaha dan Uang Keluarga Di Dompet yang Berbeda Ibu-bu dapat menggunakan dua dumpet untuk memisahkan uang usaha dan keluarga. Missinya dompet A untuk usaha, dan dompet B untuk keluarga 04 Tanamkan Sifat Berhemat Berhemat sangatlah penting apabila sedang menjalankan usaha keuangan hasil usahanya. Nah, Ibu-Ibu Mekaar Hebat, terus tingkatka keuntungan semakin besar dan bermanfaat Jangan lupa untuk selalu disiplin hadir di kegiatan PKM BERMAKNA PKU onmoku onm.oku onmoku C Sebesar apapun usaha yang dimiliki, pengelolaan keuangan wajib dilakukan. Jangan lupa untuk selalu disiplin hadir di kegiatan PKM selanjutnya ya!! PKM BERMAKNA Meaningful Weekly Group Meeting (PKM Bermakna) is carried out by Mekaar Loan Officer through weekly group meeting activities Women Empowerment as part • • • of the Meeting Schedule Importance of saving Reading business opportunities Managing business and family finances, etc. PKUL nom.eu [email protected] 66#67GOVERNANCE - PERFORMANCE HIGHLIGHTS BRI Governance Rating Corporate Governance 95.10 95.18 Perception Index 93.25 (CGPI) 2020 2021 2022 The highest CGPI Score among others SOE Bank, with an increase in score from 93.25 (2019) to 95.18 (2022) ASEAN G CORPORATE GOVERNANCE Top 3 Public Listed Companies in Indonesia in the ASEAN Corporate Governance Scorecard (ACGS) ESG Governance at BRI Dedicated ESG Division Established an ESG Division, a dedicate working unit that is responsible for ESG and Sustainable Finance implementation at BRI ESG Committee Established a dedicated ESG Committee led by the CEO. The Committee is responsible in Review and evaluating the implementation ESG of policies and initiatives. Establish and recommend ESG work programs. Sustainability & Governance Policy New Policy in 2022 & 2023 Sustainability Policies and Strategies Regulates policies and strategies as well as the implementation of ESG aspects which aim to achieve sustainable finance including the ESG Roadmap and Strategic Initiatives. Fixed Asset Management & ESG-Based Procurement Regulates the guidelines for the implementation of ESG-based fixed asset management and procurement at BRI Data Protection Regulates the implementation of personal data protection to ensure the compliance of all individuals involved in the personal data process Implementation Anti Money Laundering and Counter Financing of Terorrism BBRI Customer's Data Privacy & IT Security Management ① Dedicated Data Management & IT Security Division Enterprise Data Management Division Specifically handles Data Management 2 IT Security Certified certified PA-DSS (Payment Application- Data Security Standard) for BRI'S Direct Debit API Complaint Channel Refinement of BRI's 2022 AML and CFT regulation which regulates the implementation of AML and CFT including management supervision, CDD procedure, employee training on AML&CFT program, etc. 良 00000 Information Security Division Specifically handles Cyber Security ISO 27001:2013 For Big Data, Open API, Card Production Managing Event & Cyber Threat Monitoring, Spacecraft Operation & Data Center Facilities Whistleblowing System PO BOX 1895 JKP 109000811 8200 600 [email protected] https://www.bri.co.id/whistleblowing-system 67#68BRI ESG RATINGS SUSTAINALYTICS ESG Risk Rating High 30.0 2020 Low 18.8 Medium 20.9 I S&P Global CORPORATE SUSTAINABILITY ASSESSMENT (CSA) I Dow Jones Sustainability Indices ESG Percentile Rank 63rd 90th 72nd 63 80 52 42 I I 2021 2022 I Last Updated: Oct 5,2022 ASEAN G CORPORATE GOVERNANCE | I I I I I OVERALL SCORE 110.2 Top 3 Public Listed Company in Indonesia with Top Score above 97 I I ! Score: 46 2020 BRI ESG Rating A BBB A PT. Bank Rakyat Indonesia (Persero) Tbk Banks Sustainability Yearbook Member S&P Global ESG Score 2022 63/100 As of February 7, 2023. Position and Score are industry specific and reflect exclusion screening criteria. Learn more at spglobal.com/esg/yearbook MSCI 2021 2022 S&P Global Last Updated: Sep 23,2022 I Sustainable 1 2020 2021 2022 Last Full Rating Review Updated: Nov 23, 2022 I I I I I IDX Indonesia Stock Exchange Bursa Efek Indonesia IDX ESG Leaders IDX ESG Leaders index measures the performance of companies that have good ESG assessments and are not involved in significant controversy I BRI has been a constituent of the IDX ESG Leaders Index (ESGL) since March 2021 CORPORATE GOVERNANCE PERCEPTION INDEX SRI-KEHATI Index is the CGPI CGPI Sustainable and Responsible Investment I KEHATI CGPI SCORE 95.18 (SRI) Biodiversity index that! uses the principles of ESG I Most Trusted Company Increased from 93.25 in 2019 ✓ SRI-KEHATI ESG Quality 45 IDX KEHATI | I ESG Sector Leaders IDX KEHATI 68#6910 RECOGNITION OF BRI'S ESG INITIATIVES A A ESG AWARDS 2022 A Love: COUNTRY BANK BRI S BANK BRI Bid Sisnou Lo TAA Awa 17 misset: A Asset: (BRI BEST ESG DISCLOSURE AWARD ESG DISCLOSURE AWARDS 2022 PT BANK RAKYAT INDONESIA (PERSERO) TBK PEMENANG PENGHARGAAN ESG DISCLOSURE AWARDS 20221 PREDIKAT LEADERSHIP AAA Asset: BEST SUSTAINABILITY LINKED-LOAN INDONESIA THE ASSET ASIAN AWARD 2022 Asset BEST ISSUER FOR SUSTAINABLE FINANCE INDONESIA THE ASSET ASIAN AWARD 2022 GOLD WINNER - CATEGORY ENVIRONMENT, GOLD WINNER CATEGORY SOCIAL IDEAS AWARD 2022 LEADERSHIP AAA ESG Disclosure Awards 2022 B UNIVERSE & BUMI GLOBAL KARBON (BGK) AA IDX BEST BANK FOR DIVERSITY & INCLUSION, BEST BANK FOR ESG IN INDONESIA ASIA MONEY AWARD 2022 IDX IDX PRIMARY AWARD IN SUSTAINABILITY CATEGORY, SPECIAL AWARD: INTEGRATED GREEN ECONOMY PROGRAM IDX CHANNEL ANUGERAH INOVASI INDONESIA 2022 HR ASIA BEST COMPANIES TO WORK FOR IN ASIA 2022 HR ASIA PLATINUM RANK ASIA SUSTAINABILITY REPORTING RATING (ASRRAT) AWARDS 2021 BEST ESG DISCLOSURE SOE Bank Category BERITASATU AWARD 69#70BRI menanam OTHERS BRI#71" BRI VS INDUSTRY vs Outperforming the Industry Across Multiple Metrics (BRI Loan CASA % Asset (IDR Tn) 2018 2M'23 CAGR: 6.1% (IDR Tn) - 2018 2M'23 CAGR: 1.6% (IDR Tn) 2018 2M'23 CAGR: 7.8% 16.4% 15.7% 15.8% 16.1% 16.0% 16.1% 66.9% 15.5% 15.6% 15.4% 66.0% 15.3% 15.2% 15.3% 63.3% 61.8% 61.0% 59.0% 804 860 881 944 1,030 1,028 2018 2019 2020 2021 63.3% 62.2% 61.2% 1,751 1,234 1,343 1,422 1,573 1,690 57.9% 56.9% 55.8% 2022 2M'23 2018 2019 2020 2021 2022 2M'23 2018 2019 2020 2021 2022 2M'23 BRI -Industry BRI O-Market Share BRI -O-Market Share ROA ROE CAR 3.68% 3.50% 3.76% 3.73% 18.10% 26.80% 25.67% 25.66% 2.72% 12.7% 13.23% 13.50% 22.97% 23.40% 23.89% 1.98% 25.28% 26.02% 2.75% 9.00% 23.30% 2.55% 2.47% 22.55% 2.43% 18.85% 17.34% 17.63% 21.21% 20.62% 1.84% 13.86% 1.59% 10.52% 2018 2019 2020 2021 2022 2M'23 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 2M'23 O-BRI -Industry ROE Industry -O-BRI Industry Note: market share and industry numbers are presented in bank only 71#721,751 1,570 BBRI VS PEERS - Bank Only as of December 2022 1,283 998 Total Assets IDR Tn 1,030 933 BRI Mandiri BCA BNI BTN 402 302 255 194 184 149 CIMB Niaga NPL Ratio (Gross) Permata Panin Danamon Maybank 1.7% 1.9% 2.8% 2.8% 2.9% 2.8% 3.8% 3.6% 3.4% 3.1% BCA Mandiri BNI BRI CIMB Niaga Danamon Permata BTN Panin Maybank 188 BRI Mandiri BCA 8.2% 7.1% 7.0% 691 643 Total Deposits (BRI Total Loans IDR Tn 1,301 1,193 1,024 763 298 191 136 122 120 96 BNI BTN CIMB Niaga Permata Danamon Yield on Assets (p.a.) Panin Maybank 6.7% 6.4% 6.2% 6.2% 5.7% 5.6% 5.6% Panin BTN Danamon CIMB Niaga Mandiri BNI BCA BRI IDR Tn 131 126 106 Mandiri BCA BNI BTN 321 228 196 CIMB Niaga Permata Cost of Funds Panin Danamon Maybank III Permata Maybank 0.8% 0.8% BCA Maybank Mandiri 1.3% BNI 1.5% 1.9% 2.0% 2.3% 2.6% 2.6% BRI Danamon CIMB Niaga Panin Permata BTN 72 5.6%#73Mandiri BCA 22.6% BRI 188 21.7% 6.8% 5.3% BCA Panin Net Interest Margins BBRI VS PEERS - Bank Only as of December 2022 5.2% 5.2% 5.2% 4.8% 4.5% Mandiri Danamon BNI CIMB Niaga BTN Return on Equity 20.9% 16.4% 16.4% 12.5% 10.5% 4.5% 4.0% BTN BNI CIMB Niaga Danamon Panin Permata 6.8% Maybank 4.4% Permata Maybank Cost to Income Ratio Return on Assets BRI 3.9% 67.7% 3.8% 3.3% 55.1% 50.1% 4.3% 4.1% 36.1% 38.2% 41.8% 42.0% 42.6% 45.3% 46.7% 2.5% 2.2% 2.1% 1.8% 1.1% 1.0% 0.8% BTN 15.5 BCA Mandiri Panin BRI BNI CIMB Niaga BTN Danamon Permata Maybank Assets to Equity BNI Mandiri CIMB Niaga Permata 7.6 7.4 6.9 6.8 BCA BRI Maybank 6.0 6.0 5.9 4.2 Panin Danamon 3.9 BCA BRI Mandiri BNI CIMB Niaga Danamon Capital Adequacy Ratio Panin Permata 34.2% 29.8% 25.8% 25.7% 25.3% 23.3% 21.9% 20.2% 19.7% 19.3% Permata Panin BCA Maybank Danamon BRI CIMB Niaga BTN Mandiri 73 BNI BTN Maybank#74BRI'S NETWORK The Most Extensive Network Across Indonesia BRI Branchless Network BRILink Agents 2018 2019 2020 2021 2022 Q1'23 YtD Net Profit per Outlet (IDR Bn) 401,550 422,160 504,233 503,151 627,012 650,780 23,768 6.9 Office Type 2018 2019 2020 2021 2022 Q1'23 YtD Head Office 1 1 1 1 1 1 0 Regional Office 19 19 19 18 18 18 Branch Office & Special Branch Office 463 462 462 451 449 449 0 Branch Overseas Office 5 5 5 6 ₹ 6 0 Sub-Branch Office* 609 608 608 588 579 579 Sub-Branch Overseas Office 3 3 3 3 0 וויון I I I I 2018 2019 2020 2021 2022 Q1'23 BRI Units* 5,381 5,382 5,382 5,222 5,156 5,144 -12 Cash Office* 580 568 547 525 506 506 BRI Terrace* 2,069 2,049 1,867 1,697 1,370 1,201 -169 Outlets vs E-Channel Trx Composition Mobile BRI Terrace 133 133 132 132 117 117 Ship BRI Terrace 3 4 4 1.6% 1.1% 2.6% I Total 9,266 9,234 9,030 8,647 8,209 8,028 -181 5.7% I I I I E-Channel 2018 2019 2020 ATM EDC CRM e-Buzz Total 22,684 224,618 2,609 57 249,968 19,184 204,386 3,809 57 227,436 16,880 198,785 5,809 57 221,531 Xest sta 2021 14,463 203,027 7,407 57 224,954 98.4% 98.9% I 2022 Q1'23 YtD 97.4% I I 13,863 228,340 8,007 57 250,267 13,852 249,209 8,007 57 -11 20,869 94.3% 0 2020 2021 2022 Q1'23 0 e-Channel Outlet 271,125 20,858 *In accordance with POJK No. 12/POJK.03/2021 concerning Commercial Banks, there are adjustments for the types of BRI Unit Offices, Teras BRI and BRI Cash Offices are included in the category of Sub-Branch Offices. Here, the data is still separated. E-Channel transaction includes: ATM, CDM, BRllinks, BRIMO, and Internet Banking. 74#75" DIGITAL SAVING Digital Business Process, Easy Access to Banking Services # Total Account OSDESIGN (BRI 9:41 AM BANK BRI Selamat Datang di layanan pembukaan Rekening Bank BRI BritAr O Buka Rekening DIGITAL SAVING ...Create account anytime anywhere... $60% - Web Browser www.bukarekening.bri.co.id Digital Onboarding through BRIMO Apps BRI Digital Saving Advantages Easily accessed User Friendly Quick Approval Process No Visit Outlet BRI Bundled with BRIMO & Internet Banking mo pro Tabungan BRI BritAma BritAmaX Simpedes BISA Tabungan BRI BritAma Bisnis Simpedes Si Serba Bisa Tabungan BRI BritAma Giro BRI Transaksi Bisnis Anda As of Mar 2023 (In Thousand) 2,126 2,965 4,320 Q1'22 5,189 5,957 1211 1H'22 180% (YoY) # Deposit Amount As of Mar 2023 (IDR Trillion) 7.0 9.5 9M'22 11.8 FY'22 Q1'23 12.1 14.9 THI 112% (YoY) Q1'22 1H'22 9M'22 FY'22 Q1'23 $221 8420 777 75#76" DIGITAL PLATFORM ECOSYSTEM Leverage New Liquidity, New Opportunities and New Source of Growth BRI BRIAPI Execute Digital Partnership with Precision & Speed (OpenAPI) API which stands for 'Application Programming Interface' connects business processes, services, content, and data to channel partners, internal teams, and independent developers in an easy and secure way. Transportation Ecosystem Healthcare Ecosystem BRI api BRI Virtual Account (BRIVA) Balance Inquiry Money Transfer BRIZZI Direct Debit Digital Ecosystem Platform Build ecosystem to offer products and services beyond core business to leverage new liquidity, new opportunities and new source of growth Platform BRIMOLA As of March 2023 Volume User #Transaction ~140K (24.7% YoY) ~867K (-56.0% YoY) ~IDR 3Tn (21.0% YoY) Agri Ecosystem (for LPG Agent & Distributor) BRI Smart BRI Smart Billing ~485K (80.9% YoY) ~86K (-23.3% YoY) ~IDR 581Bn (% YoY) Junio Junio Smart ~399K (45.7% YoY) ~465K (135.0% YoY) ~IDR 366Bn (18.1% YoY) SMART Fintech & E-Commerce Online Traditional Market Platform Oil & Gas Ecosystem, Education Ecosystem, etc pasar.fd As of March 2023 Launched on June 2020 Sales Volume IDR 111.4 Tn Transaction 117.5 Mn Fee Based Income 26.0 Bn 766 Total 18.2% yoy 22.4% yoy 73.2% yoy Partners #Registered Market #Market Traders #Transaction Transaction Volume 6,633 (1.1% YoY) 215.8K (11.7% YoY) 50.0K IDR 5.6 Bn 76#77DIGITAL ADVISOR Follow and Aid in the Customer's Digital Journey Financial Inclusion Index 85.10% 76.19% To increase the financial and digital literacy of our customers, BRI introduced Digital Advisors to assist customers 67.80% 2016 2019 2022 Financial Literacy Index 49.69% 38.03% 29.70% 2016 2019 2022 Source : Digital Literacy Index 3.54 3.49 3.46 2020 2021 2022 BRI "Digital Advisor proactively educates BRI's customers to prevent Social Engineering" • Based on The OJK's survey, Financial Indonesia Inclusion Index shown increasing trend reach 85.10% in 2022. However, the Financial Literacy Index remain relatively low at 49.69%. The survey held by The Ministry of Information and Communication in 2022 also shows that the National Digital Literacy Index remains in the Medium category (score 3.54 out of 5) Encourage Digital Advisors Digital Acquisition customers to do banking transaction through BRI digital platform, e.g. opening digital saving, using BRIMO for daily financial transaction, etc. Digital Transaction Assist customers to perform Financial transactions through IB, Mobile Banking & BRIMO, etc. Secured Digital Transaction Educate customers to have secure financial transactions, ie. by maintaining personal data confidentiality such biological mother's name, PIN, OTP, CVV, avoid using wifi in public areas, etc. as G20ONESIA BUMN BRI Waspada Modus Penipuan Perubahan Tarif Transfer Bank! BBANK BR G20INDONESIA BUMN BRI Segera hubungi Contact BRI dan akun resmi Social Media BRI yang terverifikasi (centang biru/hijau). AKUN SOCIAL MEDIA BANK BRI bankbri_id BANK BRI BANKBRI ID apromo_BRI @kontakBRI BANK BRI CHANNEL CONTACT BRI 0812-12-14017 O callbriabri.co.id 14017/1500017 www.bri.co.id #BRLiaNFightSocialEngineering #BRLiaNLawanBegaRekening bh/docianinewing 14017 www.bri.co.id bankbrid bankbrid BANK BRS BRI merupakan peserta penjaminan LPS & tendoftor dan diawasi oleh Otoritas Jasa Keuangan PENGUASAN 图 BANK B L • • National Survey of Financial Literacy and Inclusion 2022 by Financial Services Authority National Digital Literacy Index Survey Results 2021 by Ministry of Information and communication Indonesia 77#78: Baa2 or BBB BRI CREDIT RATINGS BRI International & Domestic Ratings Fitch Ratings Long Term Rating MOODY'S S&P Global : BBB ☐ Long Term Counterparty Risk - Fgn Curr : Baal Ratings Short Term Rating : F2 Long Term Deposit - Fgn Curr : Baa2 ■ Viability Rating : bb+ Long Term Debt - Fgn Curr : Baa2 Issuer Credit Rating : BBB- ☐ Government Support Rating : bbb Short Term Counterparty Risk - Fgn Curr : P-2 ☐ National Long-Term Rating : AAA Short Term Deposit - Fgn Curr : P-2 Stand-Alone Credit Profile : bbb- Outlook : Stable National Short-Term Rating Outlook : F1+ : Stable ☐ Baseline Credit Assessment Adj Baseline Credit Assessment Outlook : Stable : baa2 : baa2 Baa3 or BBB- (Investment Grade) Ba1 or BB+ Ba2 or BB 2011 2012 2018 2023 MOODY'S Fitch Ratings PEFINDO CREDIT RATING AGENCY 2019 S&P Global Ratings 2010 2014 2018 2023 National Rating BRI : id AAA Stable Outlook 78#79: AWARDS AWARDS 20 : BANK RAKYAT INDONESIA ho The AAA AWA THE Asset Asset: Asset: WORLD'S BEST BANKS Forbes 2022 POWERED BY STATISTA VESIOR INVESTOR AWARDS BANK PT BANK RAKYAT INDONESIA (PERSERO) TBK BANK TERBAIK 2022 KATEGORI BANK UMUM KEMI 4 MODAL INTI LEBIH DARI RP 70 TRILIUN BRI SME Banker of the Year & Best in Treasury and Working Capital - SME's The Asset Triple A Treasury, Trade, Sustainable Supply Chain & Risk Management Awards 2022 The World's Best Bank 2022 FORBES Best Companies to Work for in Asia HR Asia Award 2022 The Best Bank 2022: Capital Tier 1 more than IDR 70 trillion Investor Magazine Award 2022 Best GCG, Best Corporate, Best CEO, Best Growth & Survival Strategy 11th Anugerah BUMN 2022 (SOE Award) THE ASIAN BANKER 300 itech THE ASIAN BANKER LEADERS ACREVENENY AWARDS 2022 Bank Rakyat Indonesia Best Managed Bank in Indonesia Awarded to BRI THE BEST GOVERNMENT BANK IN SERVICE CXCELLENCE AWARD 2022 infobank MRI itech DIGITAL TECHNOLOGY & DIGITECH WARD 202 TECHNOLOGY & INNOVATION AWAR BANK RAKYAT INDONESIA (PERSEDOLT itech D AWARD 2022 REAL TELONAVOS MNR HOD 2022 Marketeers INWO of the Year BRANDS PT Bank Rakyat Indonesia (Persero) Tbk UNION EXPORT Owni Branding Campaign Mat BAWARD AWARD Best Manged Bank in Indonesia & CEO Leadership Achievement for Indonesia The Asian Banker Leadership Achievement Awards 2022 The Best Government Bank in Service Excellence: Commercial Bank Infobank 19th Service Excellence Awards 2022 Best IT Planning & Project Portfolio, Best Transformation & Digital Innovation, Best Digital Readiness for G20, Digital Technology & Innovation Award 2022 Marketeers OMNI Brand of The Year 2022 Best MSME Bank, Best Supporter Of Rupiah And Foreign Currency Monetary Control BI Award 2022 79#80Thank You PT BANK RAKYAT INDONESIA (Persero) Tbk. Investor Relations 7th floor BRI II Building Jl. Jenderal Sudirman No. 44-46 Jakarta 10210 Indonesia Phone : 62 21 5752006/09, 5751952/79 Website: www.ir-bri.com Email : [email protected] Senyuй SENTRA LAYANAN ULTRA TRA MIKRO Sény 3BRI SENTRA LAYANAN ULTRAMO BBRI PNM BRI▸ e Pegadaian PNM▸ BRI masker gratis! Cegah Covid19 Cuci Tangan Pakai Sabun crede AgenBRILink TOKO SEJAHTERA EBA BRI