Investor Presentaiton

BRI vs INDUSTRY - Increasing Market Share Market Share 13.8% LOAN 16.1% 15.5% 15.3% 15.1% 14.9% 14.5% 2015 2016 2017 2018 2019 Nov-19 Nov-20 15.2% 15.0% 14.6% 16.2% 16.0% BRI Melayani Dengan Setulus Hati DEPOSIT 15.7% 15.6% 2015 2016 2017 2018 2019 Nov-19 Nov-20 November 2020 NIM NPL BRI BRI Industry Loan Growth 5.89% Industry 4.41% BRI Industry 3.12% 3.18% 3.4% - 1.4% Deposit 12.1% 11.6% Growth Source: Indonesian Banking Statistic - OJK & BRI Performance Report LDR CAR BRI Industry 84.17% 82.33% BRI Industry 20.77% 24.25% 12

View entire presentation