BRI Performance Highlights and Green Initiatives

PROFITABILITY HIGHLIGHT - CONSOLIDATED High PPOP Growth Coupled with More Efficient Provision Expense Drives Strong Net Profit Growth NII BRI (IDR Trillion) Fee Income P&L Movement 27.3 -1.6 151.9 124.6 Interest Income Interest Expense NII 47.3 82.2 Net Fee & Operating Premium Other Opr. Expenses Income Income 27.0 (IDR Trillion) 114.1 9.2% YoY 2021 124.6 17.1 10.2% YoY 2022 2021 Opr Expense* 75.9 8.3% YoY 91.3 2021 64.6 51.4 82.2 PPOP 80.4 13.5% YoY 2022 2021 Provision Expense PPOP Provision Profit Expenses Before Tax Net Profit 39.3 g YoY 5.8% -7.3% 9.2% 51.2% 14.8% 8.3% 13.5% -31.3% 57.6% 67.1% *Other Operating Expense includes COGS of PGDE (Gold business) **Profit attributable to parent company as of 2022 is Rp51.2 Tn 2021 -31.3% YoY 27.0 30.8 2022 2021 18.8 2022 91.3 2022 Net Profit* ** 67.1% YoY 51.4 2022 24 24

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