Investor Presentaiton

FOCUSED GROWTH ON THE ULTRA MICRO & MICRO SEGMENTS Well-positioned To Serve The Growing Financing Needs of the Segment National Posture of Indonesian Enterprises and Individuals 1 Corporation ⚫c. 5.5k business Medium Corporate/ Individual Medium Premium . 2 60k businesses with assets of >IDR 500mn - IDR10 bn and sales of >IDR2.5bn - IDR50bn 2 1 High Net Worth Individual • 129k people with assets of >IDR500 Bn Premium Small Small 3 ⚫ c. 785k businesses with assets of >IDR50 - 500mn and sales of >IDR300mn - IDR2.5bn Middle Class 3 4 Micro & Ultra Micro • • Total c. 62mn businesses, incld. ~57mn businesses eligible for Ultra Micro loans Access to group loans or KUR only BRI Micro & Ultra Micro Comprehensive Business Large Customer Base +36.0 Mn Borrowers (+14.3 Mn BRI, +14.6 Mn PNM, +7,1 Mn Pegadaian borrowers) Source: BRI's public filings Mass Micro and Ultra Micro BRI ⚫c. 1.1 Mn people with assets of >IDR500 Mn Middle Class ⚫ c. 90mn people with assets of IDR50mn - IDR500mn Micro ⚫ c. ~165mn people with ample knowledge of basic saving product, but low for investment and insurance • Start using digital banking technology Ultra Micro Mostly reliant on informal funding BRI PNM Pegadaian Digitized Business Process Extensive Banking Channels • • • 6,466 BRI Micro Outlets 4,086 Pegadaian Outlets 4,482 PNM Outlets 650,780 BRILink Agents Comprehensive Product Offerings Lending: Individual, Group Lending, Pawn Lending Deposits: Saving Account, Current Account, Time Deposit ☐ Insurance: Life and Health Insurance, General insurance ☐ Investment: Gold Savings ☐ Other Services • BRISPOT Micro, Pegadaian Selena, PNM Digi (Digital Loan Underwriting System) I I I I I I I I I I I T I | I • Senyum Mobile (cross referral system) I . BRILink Mobile (Mobile App for Brilink Agents) I 13

View entire presentation