Investor Presentaiton

BRILINK AGENT Redefining Agent's Roles to Tap The Untapped # Agents (Thousand) FBI (IDR Billion) 539.7 650.8 360.1 Q1'22 20.6% Q1'23 # of Transaction (Million) 260.7 252.5 353.8 Q1'22 1.8% Q1'23 Transaction Value (IDR Trillion) Q1'22 -3.1% Q1'23 Loan & Saving Referrals (Thousand) 15.6 22.8% YoY 309.7 5.1% Q1'22 CASA (IDR Trillion) +1036.5% YoY 216.9 12.7 18.4 19.1 0.6% Q1'22 Loan Referrals Q1'23 ■Savings Referrals Q1'22 325.7 Q1'23 18.5 Q1'23 59,205 villages covered by BRILink Agents (79.3% out of total villages) SERVICES STRATEGY (BRI SERVICES PROVIDED Ultra Micro Payment (synergy with Pegadaian & PNM) LinkAja Cash Withdrawal Loan Installment Mobile Phone Voucher Cash Deposit & Withdrawal FOAM BRILink AgenBRILink Bill Payment Money Transfer Cash Pickup • Productivity Enhance business process • Empower agent community & capabilities • Introduce agent loyalty programs Beyond Banking Transaction Develop agents as local super store • Utilize big data capabilities through BRIBRAIN • STRATEGY BRILINK 2.0 UMi Enabler • Redefine role of agents to support UMi Ecosystem ⚫ Integrate BRILink • platform with UMi Corner & Gadai platform Sales Channel Collaborator Increase numbers of cross sell BRI Group market- matched products • Platform integration to create excellent user experiences 15

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