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Page 1
1H2025
FINANCIAL UPDATE
PRESENTATION
PT Bank Rakyat Indonesia (PERSERO) Tbk.
Page 2
SHARE PRICE PERFORMANCE & OWNERSHIP
Ownership Composition as of June 2025 BBRI Share Performance vs JCI since IPO
BBRI JCI
No. Description No. of Investor % No. of Shares %
I Domestic 80.0 Since IPO:
1. Government of RI 1 0.00% 1 0.00% BBRI +43.0x
2. Retail 668,135 99.03% 10,530,846,010 6.95% 70.0 JCI +10.2x
3. Employees 2,457 0.36% 7,532,856 0.00%
4. Local Government 1 0.00% 1,590,000 0.00% 60.0
5. Bank 10 0.00% 1,035,973,079 0.68%
6. Cooperatives 27 0.00% 5,504,539,723 3.63%
(in x)
50.0
7. Foundation 65 0.01% 325,310,729 0.21%
8. Pension Funds 171 0.03% 3,248,694,009 2.14%
40.0
4,400%
9. Insurance 208 0.03% 1,980,147,186 1.31%
10. Corporations* 811 0.12% 81,240,322,916 53.60%
30.0
11. Mutual Funds 317 0.05% 2,056,882,976 1.36%
Total Domestic 672,203 99.64% 105,931,839,485 69.89%
20.0 1,117%
II Foreign
1. Retail 545 0.08% 48,713,705 0.03%
10.0
2. Institutional 1,909 0.28% 45,578,448,414 30.07%
Total Foreign 2,454 0.36% 45,627,162,119 30.11%
III Total 674,657 100.00% 151,559,001,604 100.00% -
2003
2007
2009
2018
2020
2004
2005
2006
2008
2010
2011
2012
2013
2014
2015
2016
2017
2019
2021
2022
2023
2024
* Include BPI DANANTARA share ownership with composition around 53.19%
Source : Datindo 2
Page 3
TABLE OF CONTENTS
Macro Outlook & Strategy Update ………….………………...………………………………………………………………………………………………………… 4
Macro Economic Metrics ……………………………………………………………………………………………………………………………………………… 5
Strategy Outlook ……………………………………………………………………………………………………………………………………………………….. 8
Digital Channel Performance …………………………………………………………………………………………………………………………………………. 10
Deposit Composition ………………………………………………………………………………………………………………………………………………….. 11
Loan Portfolio …………………………………………………………………………………………………………………………………………………………… 12
1H25 Financial Performance ……..………………..………………………………………………………………………………………………..…………………… 15
Balance Sheet ………………………………………………………………………………………………………………………………………………………….. 16
Income Statement ………………………...………………………………………………………………………………………………...…………………............. 17
Capital Structure……………………………………..…………………………………………………………………………………………………………………. 23
Loan Quality ……………………………………………………………………………….………………………………………...………………………………………. 24
Ultra Micro & Micro Business ……………………………………………………………………………………………………………………………………………. 28
Appendix:
Digital Initiatives ............................................................................................................................. ............................................................................................ 33
ESG Initiatives ................………………………………………………………………………………………………………………………………………………….. 38
Ultra Micro Ecosystem ……………………………………………………………………………………………………………………………………………………. 49
1H25 Consolidated Financial Update …………..………………………………………………………………………………………………………………………. 55
1H25 Bank Only Performance …….……………………………………………………………………………………………………………………………………… 58
1H25 Bank Only Loan Quality …………………………………………………………………………………………………………………………………………… 70
Others ………………………………………………………………………………………………………………………………………………………………………… 77
3
Page 4
MACRO OUTLOOK &
STRATEGY UPDATE
4
Page 5
MACRO ECONOMIC METRICS
Middle-Lower Segment is Still Facing Challenges in 1H25
GDP growth expected to remained stable in 2Q25.. MSME business activity showed modest decline..
Wholesale Business Acitivity Index MA (4) MSME Business Activity Index MA (4)
5.18 4.96 5.03 5.01 5.04 5.05
4.87
4.78 15.0
13.1 11.5
8.7 9.4
3.4
6.0 5.1
-2.17 4.2 3.4 3.2
-9.7
2018 2019 2020 2021 2022 2023 2024 2Q25F 1Q20 2Q21 2Q22 2Q23 2Q24 2Q25
..with inflation rate maintained.. ..as purchasing power remained under pre-pandemic level…
Headline Administered Price Volatile Items Core Upper Segment Middle-Lower Segment
13.01 0.56 0.42 0.58
10.33 0.04 -0.02
5.02 -0.12
5.7 0.08 0.10 -0.16
4.32 3.02 2.41 -0.27 -0.42 -0.96
3.05 2.37
1.6 1.77 2.26
-3.04
3.07 3.36 1.34
1.08 0.56 1.69 0.57
3.07 1.56 0.56
0.12 -3.60
2018 2019 2020 2021 2022 2023 2024 6M25 2014 2016 2018 2020 2022 2024 5M25
Real GDP Jun-25 is BBRI’s Chief of Economist nowcast 5
Upper & Middle-Lower Segment Purchasing Power Index is calculated using z-score based on a set of each segment’s purchasing power indicators with mean & standard deviation from Jan’16 – Dec’18.
Page 6
LIQUIDITY DYNAMICS IN THE BANKING SYSTEM
Monetary Easing and Fiscal Momentum to Support Liquidity Improvement
Currency has continued to stabilize… ..and reduce SRBI issuance.. (% YoY)
USDIDR DXY Index
Total SRBI OS SRBI 12M avg rate (%) SBN 12M yield
16,132
17,000 115.0
1,200.0 8.0
16,238 7.5 923.5
101.3
16,500
110.0
1,000.0
7.3 7.5
16,000 103.5
6.9 6.9 783.0
105.0
108.5 800.0
721.1 7.0
6.6
15,500
96.2 96.4 95.7
100.0
6.4 7.0
15,000
15,399 600.0
6.7 6.2 6.5
15,573 95.0
14,500
96.9 6.5 6.4
90.0
400.0
6.3 6.0
14,000
89.9 14,263 254.5 6.0
14,390
13,866
200.0 5.5
85.0
71.5
13,500
14,120
13,000 80.0
- 5.0
2018 2019 2020 2021 2022 2023 2024 6M25 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
..providing room for monetary easing.. ..with government Spending likely to increase in 2H25
Bank Indonesia US Federal Reserves
K/L Non K/L Transfer to Regions % to Budget
6.00 6.00
5.75 5.75
5.25 39%
5.00
1,800 40
%
5.50 28% 35
%
1,406
1,600
3.50 3.50 4.75 1,400
22%
30
%
4.50 4.50
17% 403
25
%
1,200
2.50 1,016 20
%
10%
1,000
1.75 806 291
15
%
800
5% 620 533
235
10
%
600
348 187 369
5%
0.25 0.25
400
181 293
217
0%
131 471
128 326
200
254
-5%
-
196 -10%
2019 2020 2021 2022 2023 2024 2025 7M25 1M25 2M25 3M25 4M25 5M25 6M25
6
Page 7
INDONESIA BANKING INDUSTRY PERFORMANCE
Better Liquidity Outlook in 2H25 Expected to Support Banking Industry Performance
Asset YoY Growth Loan YoY Growth Deposit YoY Growth
12 .0 %
12.2%
14 .0 % 14 .0 %
10.2% 9.9% 11.4%
12 .0 %
10.4% 10.4% 12 .0 %
11.1%
9.2%
10 .0 %
8.9%
10 .0 %
9.0%
7.2% 7.2%
10 .0 %
8.0%
8.0%
5.9% 5.9% 6.1% 5.2% 8.0%
6.0%
6.0%
4.0%
6.0%
4.5% 4.8% 4.5%
4.0% 2.0% 3.7%
4.0%
0.0%
2.0%
-2.4% 2.0%
-2.0%
-4.0% 0.0%
0.0%
2020 2021 2022 2023 2024 1Q25 4M25 2020 2021 2022 2023 2024 1Q25 4M25 2020 2021 2022 2023 2024 1Q25 4M25
NIM CAR LDR
4.90 %
4.81% 27.65% 88.57%
87.77% 87.99%
4.80 %
4.71% 26.69%
4.70 %
4.62% 82.54% 83.83%
25.67% 25.66% 25.41%
4.60 % 25.38%
4.51% 4.51% 78.78%
4.45% 4.45%
77.13%
4.50 %
23.89%
4.40 %
4.30 %
4.20 %
2020 2021 2022 2023 2024 1Q25 4M25 2020 2021 2022 2023 2024 1Q25 4M25 2020 2021 2022 2023 2024 1Q25 4M25
*) SPI OJK 7
Page 8
REIGNITING BRI’S CORE
Shift to healthier and sustainable growth
Revamp the existing core and build a new
Transform the Funding franchise
sustainable core
❑ Strengthen and empower Regional Offices ❑ Revisit the micro business model while still
supervision to improve branches and RMs focusing on asset quality (risk excellence,
productivity business process, and people capability)
❑ Transform retail CASA and Wealth ❑ Strengthen dominance in the payroll
Management, and strengthen transaction business, accelerate growth in auto loans
banking capabilities across all segments and mortgage, and expand pawn/ bullion
❑ Tap into emerging affluent segment services
❑ Strengthen collaboration across segments, ❑ Strengthen risk management for a small
including improving penetration on value portfolio, boost productivity in medium
chain synergies, and boost subsidiary business, and sustain accelerated growth
synergy under commercial
❑ Refresh bank wide branding across
products and digital services
Build a World Class Organization, Distribution and Launch a holistic people Upgrade E2E Enterprise
foundations Operations transformation Risk Management
8
Page 9
RETAIL FUNDING & ASSET QUALITY INITIATIVES
Retail Funding & Transaction focuses on improving productivity all channels Asset quality initiatives aim to strengthen credit discipline and reduce NPLs
and enhanced collaboration across business segments and subsidiaries through improved loan officer’s capabilities, processes, and risk controls
Re-activate Human Capital & Enhance Loan Officer’s
Activation programs at
Merchants Cluster key F&B Hotspots Organization Competencies
Redefine recruitment
standards and training,
Intimate Dinner
Merchant Across BRI’s improve career pathways
Regional Offices
Redesign Organization
and Roles
Leverage emerging
Remodel Micro loan
lifestyle trends
officer’s roles and establish
Commercial Banking Center
Enhance RM Functions
and Discipline of Improve RM Funding
Execution Capability
Improve Operations
Business Process
and Digital Enablers
Improvement
Drive execution in
Branches Level Add Supervisors in all Micro Units, enhance
BRIspot and pipeline management
Collaboration
Across Business Enhance role of
Unit & Subsidiaries Corporate Segment Enhance Pre-screening and Underwriting
Strengthening Risk
Quality of Payroll Business Enhance pre-screening framework and Early
Management
Warning system
9
Page 10
TRANSFORMING FUNDING FRANCHISE
Optimizing All Digital Channels
Business Merchant
Key Metrics Growth YoY
Sales Volume (Rp Tn) Sales Volume/ Merchant (Rp Mn)
# Monthly Transaction
Active Users (in Mn) value (Rp Tn) BRIMO Penetration Rate* +27.2% +62.5%
186.3 688.8
557.2
200
.0
800.0
119.8
60
. 0% 180
.0
83.0 105.5 423.8
700.0
53.9%
160
.0
77.9 327.1 337.5
600.0
140
.0
120
.0 500.0
24.0% YoY 25.5% YoY
100
.0 400.0
55
. 0%
80.0
300.0
60.0
47.4%
200.0
40.0
20.0 100.0
50
. 0%
- -
3,231.7 45
. 0%
51.0% 2022 2023 2024 1H24 1H25 2022 2023 2024 1H24 1H25
19.3
25 3,500
.0
2,574.9 38.7%
15.6
3,000
.0
20
# Merchant
40
. 0%
15
2,500
.0 1.2
42.8% (in thousand) # Merchant Productive (in thousand)
1
30.4%
2,000
.0
35
. 0%
1,500
.0 0.8
10
5
1,000
.0
0.6
30
. 0%
-21.7% +14.3%
0.4
500
.0
0.2 25
. 0%
354.8 334.3 391.5 306.4 110.0 91.0 104.0
0 -
1H24 1H25 2022 2023 1H24 2024 1H25 77.5
0
1H24 1H25
450
.0 120
.0
238.1
400
.0
100
.0
49.4
350
.0
300
.0 80.0
250
.0
60.0
200
.0
150
.0
40.0
100
.0
50.0 20.0
-
-
2022 2023 2024 1H24 1H25 2022 2023 2024 1H24 1H25
# Active Users (in Thousand) Sales Volume (Rp Tn) QRIS
Qlola Cash Mgmt Qlola IB Qlola Cash Mgmt Qlola IB Sales Volume (Rp Tn) Sales Volume/ Store (Rp thousands) # Transactions (in Bn)
+41.3% +33.9%
88.0 5,970 +141.5% +162.5%
100 .0
90.0
7,000
4,458 362 +142.9%
80.0 62.3 6,000
8,745.2 313.7
225
37.2
70.0 5,000
60.0
59.1 4,000
34.8
50.0
40.0
30.0
3,000
2,000 4,233
5,608 15.3 3,620.7 119.5
20.0
10.0
27.5 28.9 1,000
-
-
1H24 1H25 1H24 1H25 1H24 1H25 1H24 1H25 1H24 1H25
*) BRIMO penetration rate used the total customers of 78.6 million as of 1H25
**) The metric for EDC productivity is monthly sales volume >= Rp15 million per EDC
10
Page 11
DEPOSIT COMPOSITION IMPROVING
Retail Savings Up 6.8% YoY, Increasing CASA Composition
Deposit Growth (Consolidated) (Rp Tn) Deposit Products Wholesale vs Non-Wholesale* (Rp Tn)
Total Deposit: 6.7% YoY Growth YoY Total Deposits 1H25: Rp1,476.0 Tn Growth YoY
CASA: 10.6% YoY
1,600
.0
Non-wholesale
1,482.1
Demand Deposit Savings Time Deposit
1,365.5 1,389.7
1,358.3 5.1%
893.5 921.8
1,400
.0
876.8
90
.0
%
1,307.9 1,000
.0
838.2 862.9
900
.0
747.2 770.4
268.3 2.5%
-0.1% 249.0
800
.0
223.5 245.9 261.9
511.2 198.1
700
.0
1,138.7 YoY 215.5
1,120.9
1,200
.0
600
.0
446.5 6.8%
80
.0
%
511.8
500
.0
484.3 542.5 554.7
435.5
400
.0
496.2 522.5 527.7 519.2
300
.0
460.4
200
.0
1,000
.0
100
.0
3.2%
71.3 76.2 92.2 89.4 102.0 95.7 98.8
420.5 70
.0
% -
452.1 2020 2021 2022 2023 2024 1H24 1H25
66.7% 67.3%
65.5%
800
.0
64.3%
63.1% 63.2% 6.8% Wholesale
59.7% 556.5 60
.0
%
YoY Demand Deposit Time Deposit
544.4
600
.0
522.6 527.9 521.0
600
.0 554.5 9.2%
491.1 507.6
497.7 50
.0
%
464.0 467.9
400
.0
476.1 500
.0
-2.7%
359.0 237.7
244.4
400
.0
306.6 206.7 233.7 192.9
16.1% 300
.0
215.8 20.3%
40
.0
%
414.5 YoY
374.6
200
.0
349.8 346.1 356.9 200
.0
195.0
275.0 316.8
192.7 220.6 100
.0
257.3 257.4 263.3
111.7 143.2
- 30
.0
%
-
2020 2021 2022 2023 2024 1H24 1H25 2020 2021 2022 2023 2024 1H24 1H25
Demand Deposit Savings Time Deposit CASA
*Data is presented in Bank Only 11
Page 12
LOANS & FINANCING PORTFOLIO
MSME Remains the Majority of the Loan Book, Corporate Still Within the Range
Loan Outstanding – by business segment (Rp Tn) Composition – by business segment (%)
12
00. %
1,600
.0 1,600
.0
1,416.6
1,400
.0
1,354.6 1,336.8 1,400
.0
10.0%
1,266.4 16.1% 16.1% 15.3% 15.6%
278.8 18.03% 18.04% 19.68%
1,139.1 244.3 241.1
1,200
.0 1,200
.0
3.3% 2.7% 2.4% 2.9%
197.7 3.26% 3.11% 3.58%
80
.0
%
1,020.2 1,042.9 50.7
44.1 41.5
173.8 36.3 19.2% 18.3%
20.4% 16.95% 17.37%
24.0% 16.72%
1,000
.0 1,000
.0
164.7 168.3 27.8 229.7 232.3 236.8
231.2
33.5 27.8 60
.0
%
218.6 14.7% 15.0% 15.44% 14.87%
800
.0 800
.0
14.4% 15.35%
212.5 209.1 198.8 217.5 14.2%
244.6 190.0
600
.0
167.6 600
.0
150.4
40
.0
%
144.8
400
.0 400
.0
46.4% 48.4% 48.3% 46.32% 46.61% 44.67%
611.2 627.5 623.0 632.8 42.4%
551.3
20
.0
%
200
.0
432.5 483.9 200
.0
0.0%
- -
2020 2021 2022 2023 2024 1H24 1H25 2020 2021 2022 2023 2024 1H24 1H25
Micro Consumer SME Commercial Corporate Total
YoY Growth ( % ) 1.6 9.4 2.0 22.1 15.6 6.0
(Rp Tn) 9.8 18.6 4.6 9.2 37.6 79.8
Recently, Bank Raya shifted portion of its Small Segment loans to Micro Segment amounting to Rp836 bn. If we adjust the Ultra Micro loans outstanding, it will impact loan growth by 3bps 12
Page 13
DEPOSIT OUTSTRIPPED LOAN GROWTH DRIVEN BY CASA
Asset (Rp Tn) Deposit (Rp Tn) Loan & Financing (Rp Tn)
+6.5% +6.7% +6.0%
1,977.4 2,106.4 1,389.7 1,482.1 1,354.6 1,336.8 1,416.6
1,865.6 1,965.0 1,993.0 1,307.9 1,358.3 1,365.5 1,266.4
1,610.1 1,678.1 1,139.1
1,120.9 1,138.7 1,020.2 1,042.9
2020 2021 2022 2023 2024 1H24 1H25 2020 2021 2022 2023 2024 1H24 1H25 2020 2021 2022 2023 2024 1H24 1H25
Fee & Other Opt. Income (Rp Tn) PPOP (Rp Tn) Net Profit (Rp Tn)
+10.6% +2.2%
116.8
106.5 -11.2%
54.6 60.4 60.6
91.3
45.9 80.4 51.4
41.2 39.4
38.1 65.1
57.0 58.3
26.7 30.8 29.9
24.1 26.5
18.7
2020 2021 2022 2023 2024 1H24 1H25 2020 2021 2022 2023 2024 1H24 1H25 2020 2021 2022 2023 2024 1H24 1H25
Consolidated Number 13
Page 14
HIGHER CONTRIBUTION FROM SUBSIDIARIES IS MINIMIZING IMPACT OF
MARGIN AND NPL PRESSURE
NIM CoF CoC
-0.1% 0.0% -0.1%
8.2%
7.9% 7.9% 7.9% 7.8% 3.5% 3.6% 3.6% 3.6% 3.5% 3.6% 3.5% 3.4%
7.5% 3.1% 3.2%
2.6% 2.4%
2.3% 2.1%
7.0%
2020 2021 2022 2023 2024 1H24 1H25 2020 2021 2022 2023 2024 1H24 1H25 2020 2021 2022 2023 2024 1H24 1H25
LAR ROA ROE
-1.2% -0.4% -2.6%
28.3%
3.3% 3.1%
24.1% 3.0% 3.0%
2.6% 19.8% 19.0% 19.2%
17.6% 16.6%
16.5%
1.9%
12.5% 12.0% 10.8% 1.5% 12.2%
10.7% 10.5%
2020 2021 2022 2023 2024 1H24 1H25 2020 2021 2022 2023 2024 1H24 1H25 2020 2021 2022 2023 2024 1H24 1H25
Consolidated Number 14
Page 15
FINANCIAL PERFORMANCE
15
Page 16
BALANCE SHEET
Deposits Growth Driven by CASA, Cost of CASA Stood at 1.65%
(Rp Bn)
Items 1H25 1Q25 1H24 g QoQ g YoY 2024 2023 2022
Cash and Cash Equivalent 90,797 111,669 102,002 -18.7% -11.0% 118,663 133,513 178,343
Total Earning Assets: 1,972,929 1,937,050 1,828,206 1.9% 7.9% 1,841,405 1,791,006 1,665,968
- Placement with BI & Other Banks 123,075 146,627 47,065 -16.1% 161.5% 83,457 87,557 91,890
- Receivables (Acceptance & Others) 72,404 66,030 87,478 9.7% -17.2% 51,849 65,024 47,146
- Loans & Financing 1,416,619 1,373,661 1,336,780 3.1% 6.0% 1,354,641 1,266,429 1,139,077
- Gov't Bonds & Marketable Securities 352,452 342,478 349,490 2.9% 0.8% 343,381 364,687 381,339
- Other Earning Assets 8,378 8,254 7,393 1.5% 13.3% 8,077 7,308 6,515
Earning Asset Provision: (82,631) (83,805) (87,743) -1.4% -5.8% (82,529) (88,172) (94,975)
- Loans and Financing Provisions (81,357) (81,756) (86,415) -0.5% -5.9% (81,064) (85,502) (93,088)
- Other Provisions (1,274) (2,049) (1,328) -37.8% -4.1% (1,465) (2,670) (1,887)
Fixed & Non-Earning Assets 125,277 133,316 134,907 -6.0% -7.1% 115,444 128,660 116,303
Total Assets 2,106,371 2,098,229 1,977,371 0.4% 6.5% 1,992,983 1,965,007 1,865,639
Third Party Funds : 1,482,120 1,421,600 1,389,662 4.3% 6.7% 1,365,450 1,358,329 1,307,884
- CASA 970,946 934,950 877,895 3.8% 10.6% 918,981 874,070 872,404
Current Account 414,483 391,613 356,855 5.8% 16.1% 374,554 346,124 349,756
Savings Account 556,463 543,337 521,041 2.4% 6.8% 544,427 527,946 522,648
- Time Deposits 511,174 486,650 511,767 5.0% -0.1% 446,469 484,259 435,481
Other Interest-Bearing Liabilities 205,823 242,913 186,567 -15.3% 10.3% 200,597 180,023 162,817
Non-Interest-Bearing Liabilities 96,356 127,862 89,412 -24.6% 7.8% 103,747 110,184 91,543
Total Liabilities 1,784,299 1,792,375 1,665,641 -0.5% 7.1% 1,669,794 1,648,535 1,562,244
Tier 1 Capital 290,374 274,178 279,459 5.9% 3.9% 291,317 283,949 273,812
Total Equity 322,072 305,854 311,731 5.3% 3.3% 323,189 316,472 303,395
Total Liabilities & Equity 2,106,371 2,098,229 1,977,371 0.4% 6.5% 1,992,983 1,965,007 1,865,639
*Financial figures for 2021 is restated to include Pegadaian and PNM in accordance with PSAK 38 16
Page 17
INCOME STATEMENT
Core NII Growth Intact; Opex Increase Driven by Non-Recurring Insurance Reserves
(Rp Bn)
Items 2Q25 1Q25 2Q24 g QoQ g YoY 1H25 1H24 g YoY
Interest Income 52,538 49,838 49,183 5.4% 6.8% 102,376 99,790 2.6%
Interest Expense (15,115) (13,987) (14,401) 8.1% 5.0% (29,102) (28,512) 2.1%
Net Interest Income 37,423 35,852 34,781 4.4% 7.6% 73,275 71,278 2.8%
Net Premium Income and Insurance Services (1,043) 1,066 896 -197.9% -216.4% 437 1,458 -70.0%
Other Operating Income (Non-Interest) - incld. Gold 13,928 13,524 12,058 3.0% 15.5% 26,667 24,147 10.4%
Total Operating Expenses (21,556) (20,544) (21,440) 4.9% 0.5% (42,100) (39,840) 5.7%
Personnel Expenses (10,901) (10,834) (10,869) 0.6% 0.3% (21,735) (20,633) 5.3%
G&A Expenses (7,504) (7,235) (7,357) 3.7% 2.0% (14,739) (14,275) 3.3%
Others Expenses (3,151) (2,476) (3,214) 27.3% -2.0% (5,626) (4,933) 14.1%
Pre-Provision Operating Profit 28,751 29,897 26,296 -3.8% 9.3% 58,278 57,043 2.2%
Provision Expenses (10,998) (12,275) (7,784) -10.4% 41.3% (23,273) (18,497) 25.8%
Loan - Provision Exp (11,548) (12,012) (10,393) -3.9% 11.1% (23,560) (22,729) 3.7%
Non-Loan - Provision Exp 550 (263) 2,609 -309.0% -78.9% 287 4,232 -93.2%
Profit From Operations 17,753 17,622 18,511 0.7% -4.1% 35,005 38,751 -9.7%
Non-Operating Income (21) (240) 13 -91.2% -257.3% (261) (96) 173.0%
Net Income Before Tax 17,732 17,382 18,525 2.0% -4.3% 34,744 38,450 -9.6%
Net Profit 12,729 13,804 13,914 -7.8% -8.5% 26,533 29,896 -11.2%
Profit After Tax & Minority Interest (PATMI) 12,603 13,673 13,816 -7.8% -8.8% 26,277 29,702 -11.5%
*) We reclassified fee-based income from Supply Chain Financing into Net Interest Income (Non-Loan) of Rp 2.4 tn in FY24 and Rp 2.2 tn in FY23. All FY24 and FY23 is adjusted to reflect this change. 17
Page 18
LIQUIDITY DISCPLINE SUPPORTS DEPOSIT COSTS
Sustainable Liquidity Supports Funding Efficiency Via Retail CASA Growth and Optimized
Funding Mix
LDR (Consolidated – Bank Entity) LCR & NSFR
300. %
90 .0 0%
88.45% 88.51% 88.85%
86.03%
88 .0 0%
84.77% 84.97%
84.22%
86 .0 0%
84 .0 0%
25
00. % 241.0%
82 .0 0%
228.5%
80 .0 0% 78.82%
78 .0 0%
199.4%
76 .0 0%
200. %
74 .0 0%
72 .0 0%
162.5% 160.7%
2019 2020 2021 2022 2023 2024 1Q25 1H25 156.6%
150.5%
CoD, Deposit & Non-Deposit (Rp Tn)
15
00. %
149.3%
142.3%
136.8% 135.2%
3,500
3.2% 3.5%
127.9%
3.0% 3.0% 123.6% 125.6%
2.9%
3,000
3.0% 100. %
2.5%
2,500
2.5%
100%
2,000
1.7% 2.0%
LCR & NSFR
1.5%
minimum regulatory
50
.0
%
requirement
1,500
1.5%
1,422 1,482
1,000 1,308 1,358 1,365
1,139
1.0%
1,121
500
196 167 163 180 201 243 206 0.5%
0.0%
-
0.0%
2020 2021 2022 2023 2024 1Q25 1H25 2020 2021 2022 2023 2024 1Q25 1H25
Deposit Non Deposit CoD LCR NSFR
Cost of Deposit excludes LPS premium cost 18
Page 19
EARNING ASSET YIELD & STRONG MARGINS MAINTAINED
Optimized Balance Sheet with Sustained Margins
NIM – Bank Only vs Consolidated Lending Yield, EA Yield, and Cost of Fund
8.5%
16
.0
%
9.0% 8.0%
13.1% 13.0%
8.5%
7.9%
14
.0
%
12.5% 12.5% 12.3% 13.1%
7.9% 7.8%
7.6%
7.5%
8.0%
12
.0
%
6.9%
7.5%
7.2%
7.0% 10
.0
%
7.1% 7.1% 10.9% 11.0% 10.8%
10.1%
7.0%
6.5% 6.5%
8.0%
9.6% 9.7%
6.8% 6.6% 6.0%
6.0%
3.5% 3.1% 3.6% 3.6%
2.3%
6.0%
2.1%
4.0%
5.5%
6.1%
5.0% 2.0%
5.5%
4.5%
0.0%
2020
4.0% 2021 2022 2023 2024 1H25 5.0%
2020 2021 2022 2023 2024 1H25
NIM - Consol. NIM - Bank Only Loan Yield Earning Asset Yield CoF
40.0 EA to Total Asset and Loan to Total EA
35.0
40.0
37.5 37.4
35.1 93.9% 94.7% 91.1% 92.4% 92.3% 93.7%
34.8 10 0.0%
89.3%
35.0
90 .0 %
31.1
30.0
70.7% 73.6% 70.9% 71.8%
67.5% 68.4%
80 .0 %
30.0
27.1 28.1 28.6 65.6%
25.0 27.8 70 .0 %
26.1 26.6 60 .0 %
25.0
50 .0 %
20.0
21.9 21.6 40 .0 %
20.0
30 .0 %
15.0 20 .0 %
15.0
10 .0 %
0.0%
10.
10.00
2020 2021 2022 2023 2024 1H25 2020 2021 2022 2023 2024 1Q25 1H25
% EA to Total Asset % Loan & Financing to Total EA
Quarter NII - Consol (IDR Tn) Quarter NII - Bank Only (IDR Tn)
* We reclassified fee-based income from Supply Chain Financing into Net Interest Income (Non-Loan) of Rp 2.4 tn in FY24 and Rp 2.2 tn in FY23. All FY24 and FY23 is adjusted to reflect this change.
* Starting Jan-25, we have been using a new methodology to calculate NIM, based on the monthly average Earning Assets excluding Investment, Derivative Receivables, and Acceptance Receivables that do
19
not generate interest income. All historical data reflects this change
Page 20
OTHER OPERATING INCOME & OPERATING EXPENSES
Stable Operations Amid Well-Managed Expense Growth
Other Operating Income
(Rp Bn)
Items 2Q25 1Q25 2Q24 g QoQ g YoY 1H25 1H24 g YoY
Fees and Commissions 5,183 5,209 5,218 -0.5% -0.7% 10,393 10,117 2.7%
Recovery of Written-Off Assets 5,213 4,971 5,692 4.9% -8.4% 10,184 10,082 1.0%
Gain on Sale of Securities - Net 750 491 472 52.8% 59.0% 1,240 931 33.2%
Gain on Foreign Exchange - Net 571 747 208 -23.5% 173.9% 1,318 455 189.9%
Unrealized Gain on Changes in Fair Value of Securities (8) 8 (147) -200.0% -94.2% - - 0.0%
Others 990 1,682 459 -41.2% 115.7% 2,672 2,319 15.2%
Total Other Operating Income 12,698 13,109 11,902 -3.1% 6.7% 25,807 23,905 8.0%
Net Gold 445 415 156 7.4% 185.3% 860 243 254.5%
Total Other Operating Income Incl. Gold 13,143 13,524 12,058 -2.8% 9.0% 26,667 24,147 10.4%
Operating Expenses
(Rp Bn)
Items 2Q25 1Q25 2Q24 g QoQ g YoY 1H25 1H24 g YoY
Salaries and Employee Benefits 10,901 10,834 10,869 0.6% 0.3% 21,735 20,633 5.3%
General and Administrative 7,504 7,235 7,357 3.7% 2.0% 14,739 14,275 3.3%
Others 3,151 2,476 3,214 27.3% -2.0% 5,626 4,933 14.0%
Total Operating Expense 21,556 20,544 21,440 4.9% 0.5% 42,100 39,841 5.7%
*) As of 2025, insurance subsidiaries have adopted IFRS 17, replacing IFRS 4
*) We reclassified fee-based income from Supply Chain Financing into Net Interest Income (Non-Loan) of Rp 2.4 tn in FY24 and Rp 2.2 tn in FY23. All FY24 and FY23 is adjusted to reflect this change. 20
Page 21
OPERATING EXPENSE BREAKDOWN
CIR Within Guidance
(Rp Bn)
Items 2Q25 1Q25 2Q24 g QoQ g YoY 1H25 1H24 g YoY
Bank Only - Personnel Expenses 7,672 7,615 8,152 0.8% -5.9% 15,287 14,988 2.0%
Bank Only - G&A Expenses 5,243 5,005 5,258 4.8% -0.3% 10,249 10,344 -0.9%
Bank Only - Others Expenses 3,169 2,204 2,865 43.8% 10.6% 5,374 4,113 30.7%
Bank-Only Operating Expense 16,085 14,824 16,274 8.5% -1.2% 30,909 29,445 5.0%
Subsidiaries - Personnel Expenses 3,229 3,219 2,718 0.3% 18.8% 6,448 5,645 14.2%
Subsidiaries - G&A Expenses 2,261 2,229 2,099 1.4% 7.7% 4,490 3,931 14.2%
Subsidiaries - Others Expenses (19) 271 349 -106.8% -105.3% 253 821 -69.2%
Subsidiaries Operating Expense 5,471 5,720 5,166 -4.3% 5.9% 11,191 10,396 7.6%
Consolidated - Personnel Expenses 10,901 10,834 10,869 0.6% 0.3% 21,735 20,633 5.3%
Consolidated - G&A Expenses 7,504 7,235 7,357 3.7% 2.0% 14,739 14,275 3.3%
Consolidated - Others Expenses 3,151 2,476 3,214 27.3% -2.0% 5,626 4,933 14.0%
Consolidated Operating Expense 21,556 20,544 21,440 4.9% 0.5% 42,100 39,841 5.7%
Cost to Income Ratio: Bank Only vs Consolidated* Cost to Asset Ratio: Bank Only vs Consolidated*
55
.0
%
50.9%
48.6% 4.19% 4.15% 4.17%
47.4% 3.98% 4.00%
4.30 %
3.91% 3.92%
50
.0
%
4.10 %
41.9% 41.8% 41.9%
3.90 %
45
.0
%
40.7%
45.4%
3.70 %
40
.0
%
43.3% 3.50 %
42.0%
3.48%
3.30 %
35
.0
%
37.7% 37.9% 38.7% 38.5% 3.10 %
3.26% 3.33%
3.23% 3.20%
2.90 %
3.11% 3.07%
30
.0
%
2.70 %
2.50 %
25
.0
%
2.30 %
2020 2021 2022 2023 2024 1Q25 1H25 2020 2021 2022 2023 2024 1Q25 1H25
BRI Consolidated BRI Consolidated
*As of 2025, insurance subsidiaries have adopted IFRS 17, replacing IFRS 4
21
*Since 2021, Other Operating Income includes net gold revenue
Page 22
FEE & OTHER OPERATING INCOME
E-channel Contribution Continued to Increase, Reflecting Stronger Digital Transaction
Consolidated - Other Operating Income (Rp Tn) Bank Only - Fee and Commission – Composition (Rp Bn)
YoY g = 8.0% 1H24 g YoY = 1.6% 1H25
613 574
576 590 6%
6%
60.0
6% 6% 420
53.9 324 4%
3% 2,216 Deposit Admin.
2,347 405 22%
50.0
8.0 412 E-Channel
24% 4%
43.4 4% Loan Admin.
39.1 1,218 1,320 Trade Finance & IB
8.1 13% 13%
40.0
Non E-Channel
34.7
31.0 7.9 Insurance
25.4 4,361 4,442 Others
30.0
8.6 44% 45%
25.8
7.5 16.8 23.9
12.5
3.7 5.2
9.0
7.3 Bank Only - Fee and Commission YoY Growth*
20.0
10.1 10.2
29.7%
35
.0
%
10.0
18.8 18.5 20.5 30
.0
%
16.2 17.1 25
.0
%
10.1 10.4 20
.0
%
15
.0
%
-
8.4%
2020 2021 2022 2023 2024 1H24 1H25 10
.0
%
6.3%
5.0%
1.9%
Fees and Commissions Recovery of Written-Off Assets Others 0.0%
-1.6%
-50. %
-2.8%
-10.0%
-5.6%
• Other Operating Income growth driven by Fee Based Income and Recovery Deposit E-Channel Loan Admin. Trade Non E- Insurance Others
Admin. Finance & IB Channel
Income
*) We reclassified fee-based income from Supply Chain Financing into Net Interest Income (Non-Loan) of Rp 2.4 tn in FY24 and Rp 2.2 tn in FY23. All FY24 and FY23 is adjusted to reflect this change. 22
Page 23
WELL CAPITALIZED BALANCE SHEET PROVIDES FLEXIBILITY
CAR at 25.01% is Second Highest Among Top 10 Banks
40 .0 0% 25 .0 0%
19.80% 19.01%
17.63% 17.16%
20 .0 0%
35 .0 0%
16.63%
12.23%
15 .0 0%
10.52%
30 .0 0%
10 .0 0%
27.16% 27.27%
26.63%
25.54% 25.01%
24.03%
5.00 %
25 .0 0%
26.16% 26.12%
25.52%
24.53%
23.90% 0.00 %
20.14% 22.93%
20 .0 0%
-5.00 %
19.06%
DPO DPO DPO -10 .0 0%
DPO
15 .0 0%
85% 85% ~86%
DPO ~80% -15 .0 0%
14.63% 65% 2.5% Capital
10 .0 0%
DPO Conservation Buffer
60%
-20 .0 0%
MINIMUM 2.5% Capital Surcharge
REGULATORY on Systemic Bank
REQUIREMENT 5.00 % -25 .0 0%
2020 2021 2022 2023 2024 1Q25 1H25 9.63% CAR based on
Risk Profile
Tier 1 CAR Tier 2 CAR Total CAR ROE B/S
Leverage (x) 7.0 5.8 6.1 6.2 6.2 6.9 6.5
• As of Jan, ’23, as part of the implementation of Basel 3, the change on RWA of Operational & Credit Risk adds 329bps to BRI total CAR
• Starting in January 2024, we implemented the Basel III calculation of RWA market risk, which has a negative impact of 49bps t o total CAR
• BRI distributed a full-year dividend of Rp343 per share on April 23, 2025 (including an interim dividend of Rp135 per share that has been paid
on Jan 15, 2025)
*In compliance with OJK regulations, our calculation of consolidated financial ratios moved to monthly from quarterly starting in Jan-24. All calculations for 2024 and 2023 are adjusted for monthly data. 23
Page 24
LOAN QUALITY
24
Page 25
LOAN QUALITY
Corporate Leads NPL Improvement; Micro SMLs Decline
Non-Performing Loan – by Segment Special Mention – by Segment
Segment 1H25 1H24 2024 2023 2022 2021 2020 Segment 1H25 1H24 2024 2023 2022 2021 2020
Micro 3.86% 2.95% 2.85% 2.47% 1.74% 1.49% 0.83% Micro 6.76% 6.87% 6.20% 5.72% 3.95% 3.03% 2.47%
Consumer 2.25% 2.13% 1.97% 1.97% 1.83% 1.78% 1.49% Consumer 2.66% 2.77% 2.38% 2.84% 2.76% 2.20% 2.69%
SME 4.96% 5.05% 4.42% 4.88% 4.30% 4.05% 3.61%
SME 6.19% 5.98% 4.74% 5.15% 4.30% 3.42% 3.19%
Commercial 2.54% 1.75% 2.50% 2.56% 2.26% 3.57% 4.61%
Commercial 2.92% 2.72% 1.90% 2.52% 2.55% 3.08% 3.07%
Corporate 1.61% 3.07% 2.60% 3.86% 4.68% 6.68% 7.57% Corporate 3.43% 4.11% 3.72% 4.67% 4.32% 6.94% 2.85%
Bank Only – Bank Only -
3.23% 3.21% 2.94% 3.12% 2.82% 3.08% 2.94% 5.06% 5.35% 4.63% 4.87% 3.87% 3.70% 2.75%
NPL% SML%
Subsidiaries - Subsidiaries -
1.39% 1.49% 1.46% 1.20% 1.24% 2.08% 2.49% 5.47% 5.51% 6.44% 4.84% 3.90% 4.68% 6.00%
NPL% SML%
Consolidated - Consolidated -
3.04% 3.05% 2.78% 2.95% 2.67% 3.00% 2.88% 5.15% 5.41% 4.82% 4.90% 3.90% 3.81% 3.13%
NPL % SML %
25
Page 26
HISTORICAL NPL & LAR DATA
Provisions Are Maintaining an Elevated Stance, With LAR Coverage Remaining Strong
NPL & NPL Coverage LAR & LAR Coverage
LAR % LAR Coverage
70
. 0%
54.14% 55.94% 53.50%
60
. 0%
53.17%
49.40%
35
00. 0%
305.73% 50
. 0%
300. 0% 281.16%
40
. 0% 36.14%
239.20% 28.26%
25
00. 0%
229.09% 30
. 0%
215.01%
200.60%
188.84% 20
. 0%
25.77%
200. 0%
23.31%
10
. 0%
16.54%
15
0.00%
12.47% 10.70% 11.12% 10.80%
3.04%
160
.0
0.0%
0
3.00% 2.95% 2.97%
300
.0
2.88% 2.78%
100. 0%
140
.0
2.67%
3.0%
0
248.9 243.0
250
.0
120
.0
2.5%
0
50
. 0%
188.4
93.1 200
.0
87.8
100
.0
85.5 81.1 81.8 81.4
2.00
%
157.9 152.8 153.0
144.9
0.00
%
80.0
70.4 150
.0
195.2 172.1
1.5%
0
113.6 58.5 38.9 37.0
60.0 42.0
100
.0
1.0%
0
40.0
65.3 73.1 72.9
62.1
50.0
39.7 44.4
40.8 43.1 24.3
0.5%
0
37.3 37.7
20.0
29.4 31.2 30.4 43.1
29.4 31.2 30.4 37.3 37.7 40.8
- 0.0%
0 -
1 2 3 4 5 6 7
2020 2021 2022 2023 2024 1Q25 1H25 2020 2021 2022 2023 2024 1Q25 1H25
Provision (IDR Tn) NPL (IDR Tn) NPL % NPL Coverage NPL SML Restruct. - Current Coll. Restruct. - Current Coll.
Since 2021, LAR and LAR Coverage are presented in consolidated number 26
Page 27
CREDIT COST, WRITE OFF, AND RECOVERY
Net CoC Declined by 27bps QoQ, Supported by Seasonal Recoveries Uptick
Credit Cost Write Off & Recovery
80.0 5.0%
0
3.58%
70.0 4.0%
0
3.48% 3.53%
3.40%
3.23% 55
.0 60
.0
%
55.7% 55.9%
60.0 3.0%
0
2.55% 50.8% 50.6%
2.37% 49.5%
2.71% 2.70%
45
.0 50
.0
%
45.4
43.7% 43.6%
50.0 2.0%
0
1.32% 2.07%
1.93%
35
.0 40
.0
%
40.0
1.41% 43.0 1.0%
0
34.0
0.98%
36.6
30.0
32.8 0.0%
0 25
.0 30
.0
%
25.4
27.6 27.9 28.7 23.3
22.4
25.5
20.0 23.6 -10. 0%
15
.0 17.8 16.8
20
.0
%
17.6 14.3
15.4 12.5
13.4 11.4
10.0
11.9 12.0
-20. 0%
10.2
9.0
5.0
7.3 10
.0
%
7.0 5.0
- -30. 0%
2020 2021 2022 2023 2024 1Q25 1H25 2020 2021 2022 2023 2024 1Q25 1H25
-5.0 0.0%
Provision Exp. - Loan (Rp Tn) Provision Exp. - Net - Loan (Rp Tn)
Write-Off (Rp Tn) Recovery Income (Rp Tn) Recovery Rate
CoC % Coc Net %
*In compliance with OJK regulations, our calculation of consolidated financial ratios moved to monthly from quarterly starting in Jan-24. All calculations for 2024 and 2023 are adjusted for monthly data. 27
Page 28
kpr
ULTRA MICRO &
MICRO BUSINESS
28
Page 29
THE ULTRA MICRO ECOSYSTEM
Pegadaian and PNM Loans Up 20.5% YoY, Driving UMi Loans to Rp631.9 Trillion
Loan Composition - Outstanding (Rp Tn) # Borrowers (in Mn)
BRI Micro Pegadaian PNM BRI Micro Pegadaian PNM Total
1.5% YoY -3.9% YoY
626.6 631.9 36.9 35.9 36.1
611.2 622.4 35.3 34.7
551.3 47.1 50.0 49.2 50.6 2.9% 31.0
483.9 42.6 67.6 85.4 77.0 101.5
14.0 15.2 14.5 15.0 -9.8%
59.1 31.8% 13.5
34.5
11.2
52.4
7.0 7.7 8.3 7.7 8.4 8.5%
6.6
496.6 491.2 496.2 479.8 -3.3%
449.6
397.0
351.4
13.3 14.4 14.0 13.1 13.4 12.8 -4.6%
11.7
2020 2021 2022 2023 2024 1H24 1H25 2020 2021 2022 2023 2024 1H24 1H25
Key Ratios
BRI Pegadaian PNM
Description
2021 2022 2023 2024 1H25 2021 2022 2023 2024 1H25 2021 2022 2023 2024 1H25
Cost of Fund 2.1% 1.9% 2.9% 3.6% 3.4% 6.0% 4.9% 5.9% 6.3% 6.3% 8.6% 7.6% 6.8% 6.6% 6.3%
Credit Cost 3.4% 2.5% 2.4% 3.2% 3.5% 1.4% 0.9% 0.2% 0.7% 1.6% 2.0% 5.7% 5.7% 7.7% 4.3%
CIR 43.3% 42.0% 37.7% 37.0% 38.5% 62.8% 63.7% 59.4% 53.7% 51.0% 74.6% 67.7% 64.5% 61.7% 63.8%
Pegadaian & PNM joined BRI Group as part of the Ultra Micro Holding in September 2021
Pegadaian, PNM’s Cost Of Fund (COF) calculated by dividing annualized interest expense with average monthly Interest-Bearing Liabilities
PNM’s financing outstanding include financing disbursed to LKMS (Syariah Micro Financing Institution) and venture capital 29
Page 30
BRI MICRO BUSINESS PERFORMANCE
Focusing On Asset Quality and Recovery Income
Micro Loan Outstanding (Rp Tn) # Borrowers (in Mn) # Borrowers per Loan Officer
16
.0 15
.0
14.4
600. 57
50.
496.6 491.2 496.2 14.0
479.8 13.3 0.6 13.1 13.4
0.5 12.8
14
.0 13
.0
449.6 0.5
0.7 0.5
60
11.7 0.4 528
500. 47
50.
397.0 64.3 61.2 2.8 519
59.7 59.0
12
.0 11
.0
488 482 493 482
0.8 2.8 4.7
351.3
50
68.9 4.5 4.7 430
400. 37
50.
10
.0
4.3 9.0
74.9 3.4 40
129.2 212.3 200.2 212.3 192.8
79.9
8.0 7.0
300. 27
50.
131.8
30
6.0 5.0
10.9
200.
144.7 17
50.
9.8
8.8
20
4.0
7.5 8.1 8.3 8.0 3.0
251.5 219.9 231.3 222.7 228.0
190.3
10
100. 75
.0
2.0 1.0
126.7
0
0.0 -10.
0.0 -25.0
2020 2021 2022 2023 2024 1H24 1H25 2020 2021 2022 2023 2024 1H24 1H25
2020 2021 2022 2023 2024 1H24 1H25
KUR Kupedes Briguna KUR Kupedes Briguna
Growth YoY Growth YoY Loan OS per Loan Officer (in Bn)
Product 2020 2021 2022 2023 2024 1H24 1H25 Product 2020 2021 2022 2023 2024 1H24 1H25 20.0
18.4 18.1 18.2 18.0
18.0
16.5
KUR 31.4% 31.1% 10.8% -19.1% -7.9% 2.3% -3.0% 16.0
14.6
KUR 82.8% 50.1% 32.2% -12.6% 5.2% -3.2% 2.4% 14.0 12.9
12.0
Kupedes -6.8% -8.9% -1.9% 64.3% -5.7% 7.6% -9.2% Kupedes -12.8% -19.5% 2.7% 64.7% -3.9% 4.9% -6.8% 10.0
8.0
Briguna -4.0% -6.3% -8.0% -6.7% -7.1% 3.4% -3.6%
6.0
Briguna -9.8% -10.1% -13.6% -12.6% -13.2% 9.8% -10.5% 4.0
2.0
Total 14.2% 13.0% 13.3% 10.4% -1.1% 2.0% -3.3% Total 11.4% 13.5% 7.8% -2.2% -6.7% 3.5% -4.6% -
2020 2021 2022 2023 2024 1H24 1H25
*) Bank only numbers 30
Page 31
KUPEDES DISBURSEMENT & QUALITY
Current Standing of Historical Disbursement as of 1H25 (Rp Bn)
1Q23 2Q23 3Q23 4Q23 FY23 1Q24 2Q24 3Q24 4Q24 FY24 1Q25 2Q25
Disbursement 59,256 46,736 50,258 45,327 201,577 37,942 28,413 28,808 30,824 125,987 30,998 27,121
Write-Off 3,438 2,171 1,991 1,121 8,720 492 159 17 - 668 - -
Payment 45,654 32,867 33,340 26,531 138,393 20,962 14,077 10,925 8,956 54,921 3,700 810
Historical Disbursement Asset Quality Breakdown & Vintages
1Q23 2Q23 3Q23 4Q23 FY23 1Q24 2Q24 3Q24 4Q24 FY24 1Q25 2Q25
Remaining Loan OS 10,163 11,698 14,928 17,676 54,464 16,487 14,177 17,867 21,868 70,398 27,298 26,312
SML 2,247 2,302 2,701 3,056 10,307 2,634 1,934 1,483 1,488 7,539 423 43
NPL 1,494 1,375 1,675 1,772 6,318 1,440 742 523 117 2,822 15 0
Total Restructured* 2,339 2,191 2,322 2,228 9,079 1,530 750 418 177 2,874 8.30 0
Avg DG to SML
5.92% 5.45% 6.86% 6.82% 6.26% 4.63% 3.89% 5.55% 5.69% 4.95% n.a. n.a.
(6MOB)
*incl. Current, SML & NPL under restructured
• Based on vintage analysis of average DG to SML (6 MOB), 2024 Kupedes has better asset quality compared to 2023 Kupedes, albeit we are still monitoring 2024 Kupedes as it
has not fully seasoned.
3131
Page 32
Thank You
PT BANK RAKYAT INDONESIA (Persero) Tbk.
Investor Relations
7th floor BRI II Building
Jl. Jenderal Sudirman No. 44-46 Jakarta 10210
Indonesia
Phone : 62 21 5752006/09, 5751952/79
Website : www.ir-bri.com
Email : ir@bri.co.id
84
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Bank Indonesia
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Bank REQUIREMENT
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