Investor Presentaiton

OTHER OPERATING INCOME & OPERATING EXPENSES Positive Other Operating Income Growth with Manageable Operating Expenses Other Operating Income BRI (IDR Billion) Items 2020 2021 2022 1Q22 4Q22 1Q23 QoQ YOY Fees and Commissions 16,181 17,062 18,795 4,557 4,925 5,080 3.1% 11.5% Recovery of Written-Off Assets 7,252 9,006 12,468 2,363 3,772 2,962 -21.5% 25.4% Gain on Sale of Securities - Net 2,871 3,453 1,518 456 268 384 Gain on Foreign Exchange - Net 1,258 1,714 1,132 411 53 Unrealized Gain on Changes in Fair Value of Securities 342 120 146 88 127 Others 3,072 3,351 5,069 824 3,250 Total Other Operating Income 30,977 34,705 39,127 8,701 12,395 43.2% -15.8% 222 316.9% -46.1% 178 41.0% 102.1% 1,117 -65.6% 35.4% 9,943 -19.8% 14.3% Operating Expenses (IDR Billion) Items 2020 2021 2022 1Q22 4Q22 1Q23 QoQ YOY Salaries and Employee Benefits 33,105 38,047 39,390 9,571 11,640 10,685 -8.2% 11.6% General and Administrative 21,005 23,269 25,959 5,327 8,052 6,570 -18.4% 23.3% Others 6,560 8,319 8,945 1,766 1,725 836 -51.6% -52.7% Total Other Operating Expense 60,670 69,635 74,294 16,664 21,418 18,091 -15.5% 8.6% 28

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