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CONSUMER LOANS BRI Melayani Dengan Setulus Hati Outstanding (IDR Trillion) Description 2016 2017 2018 2019 2020 g YoY Composition Salary Based 78.2 88 97.8 101.3 101.3 0.0% 70.5% Mortgage 18.2 22.1 27.1 32.3 35.7 10.6% 24.9% Consumer Digital Loan Vehicle Loan 2.2 2.6 3.7 4.1 3.0 -26.8% 2.1% Outstanding Rp21.2 Mio Card and Others 1.6 1.8 2.3 2.7 3.6 33.6% 2.5% Total 100.2 114.6 130.8 140.5 143.7 2.3% 100.0% ☺ ceria NPL (%) Description 2016 2017 2018 2019 2020 Salary Based 0.81% 0.74% 0.73% 0.69% 0.94% Cicil. Cepat. Ceria. traveloka PayLater Sales Volume Users 11,676 Outstanding Rp342.2 Mio Sales Volume Rp680 Bio Users 44,819 Rp61 Bio Mortgage 2.60% 2.18% 1.92% 2.30% 2.80% Vehicle Loan 0.60% 0.56% 0.47% 0.71% Card and Others 4.07% 2.95% 4.07% 2.85% Total 1.18% 1.05% 1.03% 1.10% Consumer loan grew 2.3% YoY and salary based loan is still the biggest portion of the consumer loans of 70.5% in 2020. Powered by BRI SPOT RITEL 2.77% 2.83% 1.49% 48

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