Investor Presentaiton

CAPITAL & CET1 RATIO - Adequate Capital During Pandemic BRI Melayani Dengan Setulus Hati Increasing CAR supported by more efficient capital-used expansion, OCI-securities gain, and ESA program, provides room for higher dividend payout... Risk Appetite Statement 17,0% 22.96% 22.55% 1.01% 21.21% 1.03% 1.06% 21.95% 21.52% 20.15% 20.61% 20.38% 19.83% 1.02% 1.02% 1.02% 18.23% 1.02% 19.37% 19.59% 18.81% 17.20% Regulatory Requirement* DPO DPO DPO 14,5% 45% 50% 60% 2017 2018 2019 1Q'20 1H'20 9M'20 FY'20 Tier 1 CAR Tier 2 CAR -O-Total CAR *Include Capital Conservation Buffer (2.5%) 12% 39

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