Investor Presentaiton

FEE & OTHER OPERATING INCOME - Shifting to Transaction Based Fee Income Fee & Other Operating Income RBRI Melayani Dengan Setulus Hati (IDR Billion) (IDR Billion) Fees and Commission - Composition YoY g = 3.2% 2019 362 815 2% 456 625 2020 YoY g = 6.2% 3% 4% 6% 28,430 671 5% 27,552 22,777 6,086 1,835 4,024 28% 6,261 13% 997 7% 4,177 27% 1,628 11% 18,693 4,676 16,679 7,161 3,346 6,997 3,008 6,200 1,674 12% 5,044 4,461 4,913 34% 1,529 10% 5,772 38% 14,293 15,183 9,210 10,303 11,900 2016 2017 2018 2019 2020 I Fees and Commissions Recovery Others Total Fees and Commissions income grew strong, reaching 11.0% of Total Income. ■ Deposit Adm Fee ■Loan Adm Fee ■Non E-Channel Related Fee ■ Others Growth YoY E-Channel Related Fee Trade Finance & Int'l Business Related Fee Insurance Related Fee Deposit Adm Fee 3.8% E-Channel Related Fee 17.5% Loan Adm Fee -8.7% -11.3% Trade Finance & Int'l Business Related Fee Non E-Channel Related Fee Insurance Related Fee Others -6.9% 22.3% 25.8% 38

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