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Investor Presentaiton

" INCOME STATEMENT - BANK ONLY Stronger Profitability From Business Operation Efficiency and Moderated Credit Cost Items 2020 2021 2022 BRI (IDR Billion) 1Q'22 4Q22 1Q'23 QoQ YOY Interest Income 109,959 119,828 123,835 30,216 29,051 34,703 19.5% 14.9% Interest from Loans 95,626 104,883 107,535 26,263 24,347 29,522 21.3% 12.4% Int. from Other Earning Assets 14,333 14,945 16,300 3,953 4,704 5,181 10.2% 31.1% Interest Expense (34,812) (24,008) (22,830) (5,127) (7,446) (8,438) 13.3% 64.6% Net Interest Income 75,147 95,819 101,005 25,089 21,605 26,266 21.6% 4.7% Fee & Other Opr. Income 28,430 32,401 38,320 7,827 11,617 9,168 -21.1% 17.1% Gross Operating Income 103,577 128,220 139,325 32,916 33,222 35,434 6.7% 7.6% Operating Expenses (46,396) (54,778) (56,618) (12,618) (15,436) (13,175) -14.6% 4.4% Pre Provision Operating Profit 57,181 73,442 82,706 20,298 17,786 22,259 25.1% 9.7% Provision Expenses (30,989) (34,018) (23,564) (6,695) (4,200) (4,976) 18.5% -25.7% Non Operating Income (Net) (31) (203) 277 28 (98) 42 -142.7% 49.4% Profit Before Tax n Minor. Int. 26,161 39,221 59,419 13,631 13,488 17,325 28.4% 27.1% Tax Expense (7,808) (7,005) (11,591) (2,728) (2,845) (3,529) 24.0% 29.4% Net Profit 18,353 32,215 47,828 10,903 10,643 13,796 29.6% 26.5% Note: all numbers are bank only, unless stated as consolidated 53
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