PitchSend

Investor Presentaiton

OPERATING 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

View entire presentation