BRI Performance Highlights and Green Initiatives

PT. PERMODALAN NASIONAL MADANI Leading Community Based Lending in the Nation PNM Permodalan Nasional Madani Balance Sheet Highlight Loan Composition As of 2022 1Q'22 1H'22 9M'22 2021 2022 Total Assets 45,029 45,470 46,051 43,712 46,731 g YoY 6.9% Loan Outstanding (Gross) 36,839 38,391 40,672 34,523 42,588 23.4% Total Liability 38,338 38,576 38,877 37,274 39,353 5.6% Total Equity 6,691 6,894 7,174 6,438 7,378 14.6% Income Statement Highlight 1Q'22 1H'22 9M'22 2021 2022 Net Interest Income 2,086 4,355 7,173 6,119 Other Operating Income 68 130 164 236 10,269 220 g YoY 67.8% 84% -6.8% Overhead Cost 1,304 2,808 4,549 4,739 7,028 48.3% Net Income After Tax 257 458 736 845 945 11.9% Key Ratios NIM COF BOPO CIR 1Q'22 1H'22 9M'22 2021 2022 YOY 23.4% 23.6% 25.2% 20.2% 26.4% 6.2% 23.4% 8.1% 7.8% 8.6% 89.4% 89.7% 89.7% 88.3% 7.4% 90.3% -1.1% 2.0% 60.5% 62.6% 62.0% 74.5% 67.0% -7.5% BRI 13% 3% Mekaar ULAMM Others Products & Services ■ Mekaar group lending for female borrowers ■ ULaMM Micro lending Extensive Network & Sales Force Extensive network with +4,100 outlets across Indonesia One of the largest group lending provider in Indonesia Catering more than 13.9 Mio borrowers Providing loans that are mostly aimed to empower underprivileged women Strong sales force with +40,000 account officers 72

View entire presentation