Investor Presentaiton

" OTHER OPERATING INCOME & OPERATING EXPENSES - BANK ONLY Positive Other Operating Income Growth with Manageable Operating Expenses BRI Fee & Other Operating Income IDR Billion Description 2020 2021 2022 1Q'22 4Q'22 1Q'23 g QoQ g YoY Gain Fr Sales of Securities (realized) 2,513 3,190 1,431 433 277 339 22.4% -21.7% Increase in Fair Value of Securities (unrealized) 285 0 50 75 29 121 313.3% 62.1% Fees and Commissions 15,183 16,548 18,470 4,271 4,826 4,927 2.1% 15.4% Gain from Forex 1,252 1,736 993 411 -74 231 -411.2% -43.9% Recovery 7,161 8,918 11,857 2,336 3,612 2,915 -19.3% 24.8% Others 2,035 2,008 5,520 301 2,947 636 -78.4% 110.8% Total Other Operating Income 28,430 32,401 38,320 7,827 11,617 9,168 -21.1% 17.1% Operating Expenses Description IDR Billion 2020 2021 2022 1Q'22 4Q'22 1Q'23 g QoQ g YoY Personnel 24,980 29,961 29,316 7,179 8,368 7,614 -9.0% 6.1% General and Administration 16,107 17,693 19,039 3,798 5,906 4,941 -16.3% 30.1% Losses from sale of Securities and Govt. Bonds 34 Promotion 2,146 2,005 2,411 309 974 282 -71.1% -8.8% Others 3,163 5,085 5,852 1,332 188 339 79.9% -74.6% Total Other Operating Expenses 46,396 54,778 56,618 12,618 15,436 13,175 -14.6% 4.4% Note: all numbers are bank only, unless stated as consolidated 54

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