Investor Presentaiton

1,751 1,570 BBRI VS PEERS - Bank Only as of December 2022 1,283 998 Total Assets IDR Tn 1,030 933 BRI Mandiri BCA BNI BTN 402 302 255 194 184 149 CIMB Niaga NPL Ratio (Gross) Permata Panin Danamon Maybank 1.7% 1.9% 2.8% 2.8% 2.9% 2.8% 3.8% 3.6% 3.4% 3.1% BCA Mandiri BNI BRI CIMB Niaga Danamon Permata BTN Panin Maybank 188 BRI Mandiri BCA 8.2% 7.1% 7.0% 691 643 Total Deposits (BRI Total Loans IDR Tn 1,301 1,193 1,024 763 298 191 136 122 120 96 BNI BTN CIMB Niaga Permata Danamon Yield on Assets (p.a.) Panin Maybank 6.7% 6.4% 6.2% 6.2% 5.7% 5.6% 5.6% Panin BTN Danamon CIMB Niaga Mandiri BNI BCA BRI IDR Tn 131 126 106 Mandiri BCA BNI BTN 321 228 196 CIMB Niaga Permata Cost of Funds Panin Danamon Maybank III Permata Maybank 0.8% 0.8% BCA Maybank Mandiri 1.3% BNI 1.5% 1.9% 2.0% 2.3% 2.6% 2.6% BRI Danamon CIMB Niaga Panin Permata BTN 72 5.6%

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