Investor Presentaiton

OUTLINE CEO Messages Investment Proposition ...... Macro Economy & Banking Industry BRI vs Industry. ......... Economic Recovery Program (ERP) BRI Strategies & Focus During Covid-19 Pandemic BRI (Consolidated) BRI (Bank Only) 1. Financial Highlights 2. Balance Sheet ..... 3. Loan Mix and Growth - 4. Deposits - Mix and Growth 5. Income Statement 6. Financial Ratios Business Updates: 1. Micro Loans 2. Small and Medium Loans 3. Consumer Loans....... 4. Corporate and SOE Loans 5. BRI Digital Initiatives 6. BRI ESG Initiatives 8. Subsidiaries. Key Takeaways Guidance 2020 .. Others BANK BRI Melayani Dengan Setulus Hati 3 5 9 12 13 18 22 26 27 28 2222332 29 34 35 40 42 45 47 49 51 2572533 60 68 71

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