Investor Presentaiton

FINANCIAL RATIOS BRI Melayani Dengan Setulus Hati Description 1Q'20 1H'20 9M'20 2019 2020 CASA 56.86% 56.64% 60.15% 59.01% 61.00% Cost of Fund (COF) 3.65% 3.54% 3.45% 3.58% Loan to Deposit Ratio 90.39% 85.78% 82.58% 88.64% LCR 236.15% 243.57% 255.93% 229.98% 3.22% 83.66% 236.06% NSFR 132.06% 138.10% 141.95% 136.17% 149.06% RIM/MIR Macroprudential Intermediary Ratio 86.09% 82.26% 80.05% 85.31% 80.03% Net Interest Margin (NIM) 6.66% 5.72% 5.76% 6.98% 6.00% Cost Efficiency Ratio (CER) 41.19% 50.23% 50.04% 40.26% 46.60% Earning Asset Provision Opr. Expense to Opr. Income NPL ratio Gross NPL ratio Nett LAR - LAR Coverage Return on Assets (ROA) - b.t 5.09% 4.72% 5.10% 3.36% 5.42% 72.97% 77.49% 80.64% 70.10% 81.22% 2.81% 2.98% 3.02% 2.62% 2.94% 0.63% 0.77% 0.78% 1.04% 0.80% 12.93% 28.92% 29.77% 9.78% 28.26% 48.66% 20.63% 21.84% 44.65% 25.77% 3.19% 2.41% 2.07% 3.50% 1.98% Return on Assets (ROA) - a.t 2.59% 1.59% 1.44% 2.77% 1.39% Return on Equity (ROE) - Tier I 20.39% 12.62% 11.43% 19.41% 11.05% Return on Equity (ROE) - B/S 18.33% 11.33% 10.26% 17.77% 9.91% Primary Reserve Requirement (IDR) 5.59% 3.81% 3.00% 6.57% 3.00% Net Open Position 2.05% 1.08% 0.98% 1.87% 1.07% Tier I CAR 17.20% 18.81% 19.37% 21.52% 19.59% Total CAR 18.23% 19.83% 20.38% 22.55% 20.61% 40

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