Investor Presentaiton

LIGHT AT THE END OF THE TUNNEL ACCELERATED GOV'T SPENDING SUPPORT GDP + Rp748 T 95% FLATTENED TREND OF LOAN RESTRUCTURING (Rp Trillion) 5.02% 4.97% 2.97% + Rp616 T of Total + Rp773 T 2,589 Government 1,841 21.5% 22.1% 22.4% 22.0% 21.6% 20.1% 21.2% 18.7% Budget 1,068 11.8% 183.7 193.7 189.1 192.3 189.3 186.6 160.5 171.9 101.2 452 1.7% 86.3 11.4 11.8 Q3'19 Q4 '19 Q1'20 Q2 '20 Q3 '20 Q4 '20 5.4 4.6 14.9 59.3 -1.4 -3.0 -2,6 14.9 -3.49% O Mar Apr May Jun Jul Aug Sep Okt Nov Des Govt Spending -5.32% Total --Monthly -0% to Total Loan GDP Growth YoY RECOVERING TREND OF LOAN DISBURSEMENT (Rp Trillion) 103.7 BOTTOMED OUT PROFITABILITY (Rp Trillion) 6.4 69.2 60.1 90.8 86.5 htt 35.0 5.1 4.9 64.1 56.2 1.0 Micro &SMEs 6.5 8.3 Micro 0.9 1Q'20 2Q'20 3Q'20 4Q'20 4.7 4.4 4.1 5.6 5.6 5.2 7.5 STRONG CAPITAL 22.96% 22.55% 1.01% 21.21% 1.03 1.06% Risk Appetite 2.0 Statement 8.8 17,0% 21.95% 21.52% 20.15% 2.5 13.5 18.6 3.7 8.2 3.8 1.9 Jan Feb Mar Apr Mei Jun Jul Aug Sep Okt Nov Des NII QoQ PPOP QOQ I Net Profit QoQ -O-PPOP Monthly 4.3 Regulatory Requirement* DPO DPO DPO 14,5% 45% 50% 60% 2017 2018 2019 20.38% 20.62% 19.83% 1.02% 1.02% 8.23% 1.02% 1.02% 19.37% 19.60 % 18.81% 17.20% 10'20 1H'20 Tier 1 CAR Tier 2 CAR -O-Total CAR 9M'20 FY'20 12% BRI Melayani Dengan Setulus Hati

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