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Investor Presentaiton

CREDIT 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

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