Investor Presentaiton

" LOAN QUALITY - BANK ONLY Classified Loan, Write Off, and Recovery Non-Performing Loan - by Segment NPL Coverage BRI IDR Trillion Segment 2018 2019 2020 2021 2022 1Q'22 1Q'23 Micro 1.01% 1.18% 0.83% 1.49% 1.74% 1.77% 2.24% 291.5% 278.1% 275.7% 268.9% 248.0% 200.6% Consumer Small Medium Corporate Total 1.03% 1.10% 1.49% 1.78% 1.83% 3.14% 3.17% 3.61% 4.05% 4.30% 6.80% 5.38% 4.61% 3.57% 2.26% 5.49% 5.18% 7.57% 6.68% 4.68% 2.16% 2.62% 2.94% 3.08% 2.82% 1.93% 2.01% 4.39% 4.45% 166.6% 80.9 84.6 84.7 86.4 64.1 3.95% 2.06% 34.6 37.5 22.5 25.9 29.1 29.0 30.7 32.1 5.89% 4.19% 17.2 3.15% 3.02% 2018 2019 2020 2021 2022 1Q'22 1Q'23 Provision NPL -O-NPL Coverage Special Mention - by Segment Write Off & Recovery Segment 2018 2019 2020 2021 2022 1Q'22 1Q'23 71.4% 66.2% 60.9% 59.1% Micro 3.51% 3.51% 2.47% 3.03% 3.95% 4.44% 6.17% 51.0% 52.4% Consumer 2.49% 2.52% 2.69% 2.20% 2.76% 2.95% 3.45% 41.1% Small 4.28% 4.63% Medium 2.87% 2.97% 3.19% 3.42% 4.30% 3.07% 3.08% 2.55% 5.46% 5.70% 20.2 17.0 13.7 14.6 12.2 3.14% 3.08% 11.9 8.9 6.2 7.0 7.2 3.3 2.3 4.4 2.9 Corporate Total 7.73% 5.04% 3.65% 3.93% 2.85% 6.94% 4.32% 7.25% 3.46% 2018 2019 2020 2021 2022 1Q'22 1Q'23 2.75% 3.70% 3.87% 4.91% 5.08% Write Off Recovery Income Recovery Rate 56 Note: All numbers are bank only, unless stated as consolidated

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