Investor Presentaiton

COVERAGE, WRITE OFF & RECOVERY - Enough Cushion During Pandemic NPL Coverage Ratio 195.5% 200.6% 170.3% 166.6% 37.5 34.6 29.1 22.5 21.9 17.2 12.9 14.9 2016 2017 2018 2019 Provision INPL NPL Coverage Write Off & Recovery 52.8% 8.4 4.5 9.5 IDR Trillion LAR Coverage Ratio (Inc. Covid-19) 248.0% 64.1 2020 RBRI Melayani Dengan Setulus Hati 48.66% 28.92% 29.77% 28.26% 12.93% 25.77% 21.84% 20.63% 25.9 53.1% 51.0% 52.4% 41.1% 5.0 12.2 6.2 2016 2017 2018 Write Off Recovery 17.0 2019 7.0 Recovery to Write Off 13.7 7.1 2020 Mar Jun Sep Des -O-LAR OLAR Coverage ...Providing more cushion to mitigate loan deterioration... BRI's Strategies to Optimize Recovery Income Collateral sale by accelerating auction Partnership with Asset Management Company Legal Action 33

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