Investor Presentaiton

FOCUS 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

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