BRI Performance Highlights and Green Initiatives

PT. PEGADAIAN Market Leader in Indonesia's Pawn Industry Services BRI Balance Sheet Highlight 1Q'22 Total Assets Loan Outstanding (Gross) Total Liability Total Equity 1H'22 9M'22 68,013 68,744 69,407 54,477 55,113 55,947 40,899 41,907 41,969 27,113 26,837 27,438 2021 2022 g YoY Loan Composition As of 2022 65,776 73,330 11.5% 52,420 59,053 12.7% 39,517 44,911 13.7% ■Pawn 26,259 28,418 8.2% 87% 13% Non-Pawn Income Statement Highlight 1Q'22 1H'22 9M'22 2021 2022 Net Interest Income 2,817 5,754 8,715 10,622 11,645 g YoY 9.6% Other Operating Income 392 803 1,220 1,523 1,638 7.5% Products & Services Overhead Cost* 2,146 4,120 5,967 7,627 8,463 11.0% ■ Pawn financing Net Income After Tax 821 1,774 2,375 2,427 3,299 35.9% ■ Micro-fiduciary financing *Excluding Cost of Good Sold for gold Key Ratios ■ Gold savings ■ Others (e.g., money transfers, payments) Extensive Network & Sales Force 1Q'22 NIM COF 1H'22 21.2% 21.5% 9M'22 2021 2022 21.4% 19.4% 21.2% g YoY 1.8% 4.8% BOPO CIR 70.1% 4.8% 68.6% 66.9% 62.8% 4.7% 71.9% 60.1% 6.0% 4.9% -1.1% EL כזר 77.5% 71.3% -6.2% + 4,700 Outlets +2,100 Sales Force 62.8% 63.7% 0.9% Pegadaian The oldest pawn service provider with more than 120 years experience ■ The largest pawn service provider based on Asset & Loan ■ Leader in pawn lending with market share of more than 95%, catering to more than 6.9 mio borrowers +6.9 Mio Active Borrowers Gold Savings +3.4 Mio Active Cust. with +7.4 Tonne gold outstanding 71

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