Investor Presentaiton

1Q'23 STRENGTHS AND CHALLENGES BRI 1 Key Strengths ☐ Rebalancing Micro Commercial Loan Growth • Strong growth in Kupedes product in 1Q23 as post pandemic growth focuses on the commercial micro product. Ultra Micro (PNM & Pegadaian) portfolio will become new engine of high yield loan growth Improving Cost of Credit . • Release of some conservatively provisioned items and visibility into improving asset quality in the coming quarters driving improved Cost of Credit. Improved Efficiency through Digitalization The utilization of BRISPOT has continue to increase the productivity of loan officers as we now have 16.8 billion loans and 528 borrowers per officer Senyum Mobile and data analytics help optimized cross- selling synergy from BRI, PNM, and Pegadaian as CIR at subsidiaries declined by 238 bps to 41.8% YoY. Increasing utilization of BRIMO which now has 25.7 million accounts. I Key Challenges Increasing Cost of Funds • Global rate increases combined with our dividend payment period and preparation for the holiday season in Indonesia. is driving higher CoF in March & April 2023, visibility to improving CoF through remainder of 2023. ☐ Capital Remains Above Optimum Level Current capital levels remain elevated but have improved QoQ and YoY. In the near term, leverage will increase as assets grow faster than equity, supporting ROE expansion. 8

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