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Investor Presentaiton

" 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
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