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Page 1
1Q26 FINANCIAL UPDATE PRESENTATION PT. Bank Rakyat Indonesia (PERSERO) Tbk.
Page 2
MACRO OUTLOOK &
STRATEGY UPDATE
2
Page 3
Despite Oil-Driven Global Volatility, Indonesia Remains Better-Positioned Than
Regional Peers With Favorable Trade Dynamics
Domestic demand continues to sustain stable GDP growth.. ..Indonesia continues to benefit from commodity exports supporting trade flows...
YoY GDP growth (in %) 31-Mar'25 30-Dec'25 31-Mar'26
8
5.03 5.01 5.04 5.05 5.11 YoY +38.3% +8.8% +26.9% +5.2% +33.0%
6
170.0
4
YTD +32.5% +18.5% -1.5% +6.6% +1.9%
2
-2.17
0
150.0
142.5 17.1
-2
12.5 12.3 16.7
-4 130.0
2 02 0 2 02 1 2 02 2 2 02 3 2 02 4 2 02 5
3.7% 3.2% 3.7% 4.2% 4.0% 1.7% 1.2
31.9% 31.9% 31.5% 31.1% 31.0% 30.0% 107.5 106.7
103.0 1.1 9.7 101.5 100.1 12.8
110.0
8.2% 8.2% 7.4% 7.3% 7.4% 10.0% 1.0
90.0
55.1% 54.2% 54.0% 54.0% 54.0% 53.6% 70.0
2020 2021 2022 2023 2024 2025
50.0
Coal Palm Oil Copper Iron Nickel
(USD/mt) (Thousand USD/mt) (Thousand USD/T) (USD/T) (Thousand USD/T)
Others Net Export Investment Gov’t Spending Household Cons.
..despite USD pressure prompting BI to maintain rates amid contained inflation.. ..supporting resilient trade surplus and favorable terms of trade
FX Reserve (USD Bn) USD/IDR Headline Inflation (%) Trade Balance(USD bn) Commodity Terms of Trade Index (rhs)*
8
BI Rate 5.28
3.48
8.0 0 30
3.13
6
7
2.72 2.81
4
1.59 1.87 1.57
7.0 0 25
2.92
2
5.50
6 6.0 0 20
6.00 6.00 6.00
0
18 ,00 0 17 5.0
-2 5.00 16,975 5.0 0 15
17 ,00 0 5
-4
3.75 3.50 4.75 16 5.0
4.0 0 10
16 ,00 0
-6
4
16,635
15 5.0 3.0 0 5
16,132
-8
15 ,00 0
15,573 15,399 1.30
14 ,00 0
3
156 157 148
14 5.0
2.0 0 0
14,390 14,263 146 1.27
13 ,00 0
13,866 14,120 1.0 0 -5
145
2
13 5.0
136 (0.63)
137
- -10
12 ,00 0
11 ,00 0
1
121 129 12 5.0 -12.86 (1.0 0) -15
10 ,00 0 0 11 5.0 (2.0 0) -20
2018 2019 2020 2021 2022 2023 2024 2025 1Q26 2020 2021 2022 2023 2024 2025 Feb-26
2026
*) rhs (right-hand scale): The CToT Index is plotted against the axis on the right-hand side of the chart. 3
Page 4
Indonesian Banking Sector Holds Firm Amid Headwinds
Industry BRI (Consolidated)
Loan YoY Growth Deposit YoY Growth CASA YoY Growth LDR
14.9% 21.5%
13.8%
13.2% 18.5% 91.4%
13.5% 12.2%
12.3% 88.5% 88.9% 89.3%
11.4% 13.5% 13.3%
11.2% 10.4% 84.2%
88.6%
4.5% 5.1% 13.6%
10.4% 9.3% 12.7% 85.4% 84.7%
5.2% 9.6% 9.0% 12.8% 3.3% 78.8%
9.4% 83.8%
3.7% 7.4%
9.2% 7.4% 5.1%
7.0% 78.8%
3.9% 0.2% 77.1%
1.6%
0.5%
2.2%
2021 2022 2023 2024 2025 2M26 2021 2022 2023 2024 2025 2M26 2021 2022 2023 2024 2025 2M26 2021 2022 2023 2024 2025 2M26
NIM LAR ROA CAR
23.3%
7.9% 8.0% 7.9% 7.8% 7.8%
3.5%
3.3% 29
.0
%
7.5% 3.0% 27.7%
3.0% 28
.0
%
16.5% 26.7%
3.0%
2.7% 2.8% 25.7% 25.9% 25.8%
27
.0
%
25.7% 27.3%
26
.0
%
19.5% 12.5% 2.5%
2.8% 2.7%
1.9% 26.6%
10.7% 2.5%
25
.0
%
9.6% 10.1% 2.5% 25.5%
4.8% 14.1% 2.4%
4.7% 4.6%
24
.0
%
4.5% 4.6% 4.3%
2.0%
24.6%
10.9% 23
.0
%
9.3% 9.2% 1.9% 23.5%
8.8% 1.5%
22
.0
%
23.0%
21
.0
%
1.0% 20
.0
%
2021 2022 2023 2024 2025 2M26 2021 2022 2023 2024 2025 2M26 2021 2022 2023 2024 2025 2M26 2021 2022 2023 2024 2025 2M26
Data source: SPI OJK and media releases 4
Page 5
Building on 2025 Progress by Advancing Retail Funding and Asset Quality
Initiatives into 2026
Projects Done Ongoing 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
Transforming BRImo into a primary Revamp Performance-Driven
Accelerate Digital financial engagement platform Incentive
Channels Driving +29.5% YoY growth in Human Capital Refine incentive schemes for micro
transaction value through high-impact loan officers to support productivity
features (loan, cross-border payments, and portfolio quality
gold investment and wealth
management) Establish Dedicated Retail
Driving integrated O2O payments Collection and Recovery
and simplified onboarding through Deploy >2,600 field collection staff
BRImerchant apps, delivering >75% sales volume to drive recovery income, improve
growth on QRIS payment and >25% merchant sales loan curing rates, and reduce NPL
volume growth formation
Expanding Executing territory dominance across ~3,4k Advance Operations
zones and 91 prime areas while expanding Business
Dominance and Digital Enablers
targeted customers through a persona-based Process
Across Business Implement stricter micro credit
approach to deepen transactions and sustain balance Improvement
Clusters controls in BRISPOT (ie, risk
growth
grade limit, tighter top-up limit)
Unlocking recurring CASA from
quality payroll, government-linked Launch new Loan Origination System with integrated
SME value chains, and corporate pre-washed pipeline alongside biometric validation to
decision makers mitigate fraud
Reinforce Risk Launch Risk Frameworks and Oversight
Collaboration Introducing One BRI Solution as Management, Implement weekly Risk Thresholds and Action
Across Business an integrated platform to capture Policies, and (RTTA) to track issues and action plans and
full customer value across Procedures periodic risk review across all segments
Units &
Subsidiaries segments
5
Page 6
We Continue to Improve the Transactions Through All Our Digital Channels
Retail Funding Initiatives continue to show tangible results
Key Metrics Growth YoY Business Merchant
Sales Volume (Rp Tn) Sales Volume/ Merchant (Rp Mn)
# Monthly Transaction
Active Users (in Mn) value (Rp Tn) BRIMO Penetration Rate* +34.6%
+26.5%
223.2 557.3 707.8
60.0%
58.2% 186.3 700 .0
200 .0
119.8
600 .0
337.5
+29.4%
500 .0
+17.8% 55.0%
150 .0
53.6 67.9 400 .0
300 .0 155.8 209.7
100 .0
57.8%
200 .0
50.0
100 .0
- -
50.0%
2,10 0.0
2023 2024 2025 1Q25 1Q26 2023 2024 2025 1Q25 1Q26
2,042.2 48.5%
1,90 0.0 45.0%
23.0
# Transaction # Productive Merchant
1,70 0.0
18.0
1.2
40.0%
(in millions) (in thousand)
1,578.0
1,50 0.0
21.9
1
38.7%
1,30 0.0
18.6
13.0 0.8
35.0%
+10.9%
1,10 0.0
+18.4%
0.6
8.0
900 .0 0.4 30.0%
3.0
700 .0 0.2
30.4%
25.0%
110.0 114.2 108.7 120.6
0
500 .0
509.6 651.4
(2 .0)
1Q25 1Q26 1Q25 1Q26 2022 2023 2024 2025 1Q26
2025
1Q26 600 .0
500 .0
120 .0
100 .0
77.5
400 .0
300 .0
197.8 150.0 177.7
80.0
60.0
200 .0 40.0
100 .0 20.0
- -
2023 2024 2025 1Q25 1Q26 2023 2024 2025 1Q25 1Q26
# Active Users (in Thousand) Sales Volume (Rp Tn)
Sales Volume (Rp Tn) Sales Volume/ Store (Rp thousands) # Transactions (in Bn)
+52.9% +53.5%
4,462
96.9 +76.0% +67.9% +86.7%
4,50 0
2,906 275
80.0
70.0
63.4 4,00 0
6,670.0 253.0
3,50 0
60.0
50.0
79.3 3,00 0
2,50 0 168 30.5
53.7 4,187 3,972.4 135.5
17.3
40.0 2,00 0
30.0
20.0
1,50 0
1,00 0
2,738
10.0
- 9.6 17.5 500
-
1Q25 1Q26 1Q25 1Q26
1Q25 1Q26 1Q25 1Q26 1Q25 1Q26
*) BRIMO penetration rate was based on total eligible customers 6
Page 7
Improvement in Asset Quality Supported by Key Initiatives, While Preparing for
External Headwinds
Net DG Micro (Bank Only) to NPL (in % of average loan) Vintages Analysis Micro Loan (Bank Only) SML DG - 0 MOB to 12 MOB
7 .0 0%
6.57% 2025 2024 2023
6.27%
14.00
%
6 .0 0%
12.35%
5 .0 0%
4.74% 4.82% 12.00
%
10.60%
10.00
%
9.46% 9.28%
4 .0 0%
8.35%
7.53%
8.00%
7.05%
2.80% 6.66% 8.62%
3 .0 0%
5.83% 5.76%
2.04% 4.58%
6.00%
1.86% 4.71% 6.70%
2 .0 0% 3.82% 5.69%
4.00%
2.81% 4.74%
1.03% 1.86% 3.72%
1 .0 0%
1.05% 2.89%
0.51%
2.00%
0.00% 0.21% 2.15%
0 .0 0% 0.00%
1.11%
2020 2021 2022 2023 2024 2025 1Q25 1Q26 0MOB 1MOB 2MOB 3MOB 4MOB 5MOB 6MOB 7MOB 8MOB 9MOB 10MOB 11MOB 12MOB
Improving Loan Quality Through Business Process Revamp, Selective Loan Origination and Stronger Collection Efforts
Business Process Optimization Robust Risk Acceptance Criteria Improve Collection and Recovery Execution
• Mandatory on-site supervision by micro unit • Rule-based and systemized policy controls to • Developed New Collection System to provide
heads to improve loan quality assessment deliver risk-discipline digitized end-to-end collection and recovery
• Expand Ops Supervisors across all Micro Units to • Refine credit risk scoring with sharpened business process with refined scoring and
improve operational control and enable Micro Unit pipeline management system decision engine
Heads to focus on loan underwriting and • Introduce Recovery Micro Loan Officer to drive
assessment direct collection and monitoring of delinquent
• Separate loan officer’s role into productive loan borrowers to improve repayment outcomes
and consumptive loan (micro BRIguna)
7
Page 8
New Growth Engines Initiatives Driving Loan Growth
Focus on ETB penetration, ecosystem expansion, and improved product and
business process Projects Done Ongoing Initiatives
Driving End-to-End Consumer Growth Tapping into Indonesia’s gold ecosystem
Payroll loan Mortgage Scaling Bullion Services Establishing Personalized Sales
Deepening penetration Focusing mortgage selective growth Scaling E2E gold value Accelerating sales through
within high-quality on tier-1 developers while sourcing chain capabilities through integrated CRM and lead
payrolls while expanding leads from corporate relationships strategic partnerships and management
acquisition through expanded branch coverage
corporate segment leads
Auto Loan Wealth Management
Expanding to the B2B market Gold business ecosystem
Leveraging BRI–BRI Enriching WM products,
Finance synergy upgrading regional WM advisory Cross-selling within client Expanding the gold ecosystem
through joint financing, capabilities, and optimizing ecosystems, partnerships with through corporate solutions and
focused on prime BRI business processes to better key associations and payroll developing international market
customers match priority customers. integration with partners capabilities
profiles across regions
Focusing on The Strong and Sustainable Growth Quality Growth Driven By Transaction-led Relationships
Targeted Expansion with Robust Credit Discipline Driving Growth Through
End-to-End Ecosystem Approach
Priority sector-focused and regional champion Strategic Client Acquisitions
acquisition, supported by prudent underwriting, Deepening digital Cross-segment value chains,
enhanced risk rating, and dedicated credit operations transaction banking with shifting beyond SoE to private
structured, syndication, and sector, supported by EPA & CPA
supply-chain solutions frameworks
Optimizing Potential Business Through Ecosystem Acquisition Value chain generator Robust Risk and Control
Driving CASA acquisition and product holdings deepening across Driving CASA across Process digitalization, data-
Commercial client ecosystem, by expanding operating balances, Corporate value chains driven credit assessment,
providing high-quality payroll, and acquiring priority and wealth supported by dedicated KPIs strategic account planning, and
clients, while structurally increasing deposit intensity toward a higher to deliver high-quality payroll dedicated Corporate Risk group
customer’s deposit-to-loan ratio accounts
8
Page 9
The Initiatives Start to Deliver Improved Metrics That Generate More Growth
Consumer Loan Breakdown (Bank Only, Rp Tn) Funding Under Management* (Rp Tn) & Fee Income from WM (Rp Bn)
Payroll Loan Mortgage Auto Loan g YoY Fee Income Funding Under Management
% to Total Loan (Bank Only) 800 .0
700 .0
Total Consumer Loans, Bank Only: g YoY
600 .0
675.8
1Q26 g QoQ 500 .0
g QoQ g YoY
250
.0 218.3 224.8 208.2 227.8 9.5% 400 .0
300 .0
507.8
200 .0
200
.0
66.3 67.3 11.1% 4.95% 0.01% 0.02% 196.9 162.8 -3.1% -17.3%
64.4
100 .0
150
.0
60.6 -
250 .0
100
.0
240 .0
144.6
144.7 149.2 138.6 151.7
151.6 9.4% 242.1
11.16% 0.05% -0.14% 237.4 +9.8%
230 .0
234.1 -3.3%
50.0
220 .0
-
0.9
210 .0
213.2
0.8
9 0.7
200 .0
277.6%
0.6
0.5
0.8 0.06%
190 .0
0.02%
0.4
0.3
0.2
0.4 0.6 0.04% 180 .0
0.1
-
0.2 170 .0
9M25 2025 1Q25 1Q26 9M25 2025 1Q25 1Q26
Gold Savings OS & Number of Customers Pawn & Gold Installment Loan OS (Rp Tn)
Gold Savings (tonnes) Active Customer (mn) Avg Savings/Cust (gr) g YoY
Pawn Lending Gold Installment
25.0
5.0
3.4 3.6 3.5 3.6 3.4 3.5 +74.1%
4.0 139,701
20.0
19.9
3.0
14,468 +268.9%
115,142
15.0
17.1
2.0
89,358 95,664 11,431
1.0 80,247 6,336 80,247
13.7 14.2 5,567
3,922 3,922
12.0 12.0
-
10.0
125,233 +64.1%
4.7 5.7 -1.0
103,711
5.0 3.5 3.8 4.1 3.5 -2.0
76,325 83,791 89,328 76,325
-3.0
- -4.0
1Q25 1H25 9M25 2025 1Q25 1Q26 1Q25 1H25 3Q25 4Q25 1Q25 1Q26
*We have reclassified our priority customer criteria in 2025, raising the minimum threshold from Rp500mn to Rp1 billion. 9
Page 10
Accelerating Earnings Growth Supported by Solid Balance Sheet
Expansion and Robust PPOP
Asset (Rp Tn) Deposit (Rp Tn) Loan & Financing (Rp Tn)
+7.2% +9.4% +13.7%
2,500
2,135 2,250
1,992 2,098 1,800
1,521 1,562
1,866 1,965 1,555
1,600
1,600
1,355 1,374
1,266
2,000
1,139
1,550 1,400
1,467
1,422
1,500
1,200
1,500
1,450
1,358 1,365
1,000
1,400
1,308
800
1,000
1,350
600
1,300
400
500
1,250
1,200 200
1,150 -
-
2022 2023 2024 2025 1Q25 1Q26 2022 2023 2024 2025 1Q25 1Q26 2022 2023 2024 2025 1Q25 1Q26
Fee & Other Opt. Income (Rp Tn) PPOP (Rp Tn) Net Profit (Rp Tn)
+2.4% +7.7% +13.8%
32.2 16.000
15.634
116.4 119.4 32.0
65.000
106.5 29.9 60.425 60.306
60.000
57.132 15.000
13.9 91.3
30.0
54.7 56.1
14.0
51.408 13.742
13.6
55.000
14.000
13.8
45.9
28.0
13.6
39.4 13.4
26.0
50.000
13.000
13.2
45.000
13.0
12.000
24.0
12.8
40.000
12.6
11.000
22.0
12.4
35.000
12.2
12.0 20.0 30.000 10.000
2022 2023 2024 2025 1Q25 1Q26 2022 2023 2024 2025 1Q25 1Q26 2022 2023 2024 2025 1Q25 1Q26
Consolidated Number 10
Page 11
We Are Seeing Early Improvement in Asset Quality and Continued Improvement
in Cost of Funds, Driving More Sustainable Profitability
NIM Cost of Fund* CoC
+0.2% -0.7% -0.3%
8.2%
8.0%
8.0%
7.9% 7.9% 7.9%
4.0%
3.5%
7.8% 3.2% 3.3% 3.2%
3.2%
3.5%
7.8%
7.7% 2.9% 3.0%
2.5%
3.0%
2.6%
7.6%
2.3% 2.5%
2.4%
7.4%
1.5% 2.0%
1.5%
7.2%
1.0%
0.5%
7.0%
2022 2023 2024 2025 1Q25 1Q26 2022 2023 2024 2025 1Q25 1Q26 2022 2023 2024 2025 1Q25 1Q26
LAR ROA ROE
-1.5% +0.1% +1.3%
18.0%
16.5% 20.0%
19.8% 19.0%
16.0% 18.4%
17.6% 17.4%
19.0%
14.0%
12.5% 3.5%
3.0% 3.3% 3.0% 18.0%
17.1%
10.7% 11.1% 2.7% 2.7% 2.8%
9.6% 9.7%
17.0%
12.0% 3.0%
16.0%
10.0% 2.5%
15.0%
8.0% 2.0%
14.0%
6.0% 1.5%
13.0%
4.0% 1.0%
12.0%
2.0% 0.5%
11.0%
0.0% 0.0% 10.0%
2022 2023 2024 2025 1Q25 1Q26 2022 2023 2024 2025 1Q25 1Q26 2022 2023 2024 2025 1Q25 1Q26
*) Cost of Fund is presented in Bank Only
Consolidated Number 11
Page 12
FINANCIAL
PERFORMANCE
12
Page 13
Maintaining Balance Sheet Strength While Managing Asset Growth
and Funding Discipline
(Rp Bn)
Items 1Q26 2025 1Q25 g QoQ g YoY 2025 2024 2023
Cash and Cash Equivalent 100,874 63,974 111,669 57.7% -9.7% 63,974 118,663 133,513
Total Earning Assets: 2,101,726 2,029,077 1,937,050 3.6% 8.5% 2,029,077 1,841,405 1,791,238
- Placement with BI & Other Banks 81,543 63,502 146,627 28.4% -44.4% 63,502 83,457 87,557
- Receivables (Acceptance & Others) 54,927 62,498 66,030 -12.1% -16.8% 62,498 51,849 65,259
- Loans & Financing 1,562,451 1,521,486 1,373,661 2.7% 13.7% 1,521,486 1,354,641 1,266,429
- Gov't Bonds & Marketable Securities 393,830 372,757 342,478 5.7% 15.0% 372,757 343,381 364,687
- Other Earning Assets 8,974 8,835 8,254 1.6% 8.7% 8,835 8,077 7,305
Earning Asset Provision: (84,664) (83,660) (83,805) 1.2% 1.0% (83,660) (82,529) (88,169)
- Loans and Financing Provisions (84,250) (83,059) (81,756) 1.4% 3.1% (83,059) (81,064) (85,502)
- Other Provisions (414) (601) (2,049) -31.1% -79.8% (601) (1,465) (2,667)
Fixed & Non-Earning Assets 131,898 125,979 133,316 4.7% -1.1% 125,979 114,647 128,833
Total Assets 2,249,834 2,135,371 2,098,229 5.4% 7.2% 2,135,371 1,992,187 1,965,415
Third Party Funds : 1,555,124 1,466,844 1,421,600 6.0% 9.4% 1,466,844 1,365,450 1,358,329
- CASA 1,058,619 1,035,790 934,950 2.2% 13.2% 1,035,790 918,981 874,070
Current Account 452,866 448,204 391,613 1.0% 15.6% 448,204 374,554 346,124
Savings Account 605,752 587,586 543,337 3.1% 11.5% 587,586 544,427 527,946
- Time Deposits 496,506 431,054 486,650 15.2% 2.0% 431,054 446,469 484,259
Other Interest-Bearing Liabilities 250,991 216,109 242,913 16.1% 3.3% 216,109 200,597 180,023
Non-Interest-Bearing Liabilities 98,656 121,477 127,862 -18.8% -22.8% 121,477 102,825 110,204
Total Liabilities 1,904,772 1,804,430 1,792,375 5.6% 6.3% 1,804,430 1,668,872 1,648,556
Tier 1 Capital 315,752 301,847 274,178 4.6% 15.2% 301,847 291,317 283,949
Total Equity 345,062 330,941 305,854 4.3% 12.8% 330,941 323,315 316,859
Total Liabilities & Equity 2,249,834 2,135,371 2,098,229 5.4% 7.2% 2,135,371 1,992,187 1,965,415
*) We restated the 2023, 2024 and 1Q25 balance sheet to reflect the implementation of the new accounting standard for insurance companies as stipulated in PSAK117 (IFRS 17)
13
Page 14
Retail CASA Continues to Gain Traction, With Overall QoQ Movement
Reflecting Seasonality
Deposit Growth (Consolidated) (Rp Tn) Deposit Products Wholesale vs Non-Wholesale* (Rp Tn)
Total Deposit: 9.4% YoY Growth YoY Total Deposits 1Q26: Rp1,549.0 Tn Growth YoY
CASA: 13.2% YoY
CASA Non-Wholesale : 11.7% YoY Non-wholesale
CASA Wholesale : 16.4% YoY Demand Deposit Savings Time Deposit
1,800
.0
934.5 947.3 5.2%
1,555.1 862.9 892.5 900.6
838.2
1,000
.0
1,600
.0
90
.0
% 900
.0
770.4
1,466.8 232.7 227.4 -11.1%
1,421.6 249.0 255.8
800
.0
2.0% 223.5 245.9
198.1
700
.0
1,358.3 1,365.5 YoY 600
.0
1,307.9
1,400
.0
11.4%
500
.0
496.5 400
.0
542.5 584.9 541.4 603.1
522.5 527.7
80
.0
%
431.1
300
.0
496.2
1,138.7 200
.0
486.7
1,200
.0
446.5 116.9 116.8 13.1%
100
.0
484.3 76.2 92.2 89.4 101.0 103.3
435.5
-
70.6% 70
.0
%
2021 2022 2023 2024 2025 1Q25 1Q26
1,000
.0
67.3% 68.1%
420.5 66.7% 65.8%
64.3%
63.1% 11.5%
800
.0
60
.0
% YoY Wholesale
587.6 605.8
Demand Deposit Time Deposit
544.4 543.3
600
.0
522.6 527.9
16.7%
50
.0
%
700
.0
601.7
497.7 600
.0
491.1
525.6 515.8
400
.0
500
.0
464.0 467.9 17.0%
359.0 264.0
192.3 225.7
233.7 192.9
400
.0
206.7
15.6%
40
.0
%
448.2 452.9 300
.0
200
.0
349.8 346.1 374.6 391.6 YoY 215.8
200
.0
16.4%
220.6 275.0 333.3 290.1 337.7
257.3 257.4
143.2
100
.0
-
- 30
.0
%
2021 2022 2023 2024 2025 1Q25 1Q26 2021 2022 2023 2024 2025 1Q25 1Q26
Demand Deposit Savings Time Deposit CASA
*Data is presented in Bank Only 14
Page 15
With a Strengthened Value Proposition Across Segments, BRI is Capturing
Growth in the Affluent and Mass Affluent Base
Savings Balance by Tiering Industry vs BRI* (as of February 2026, Rp Tn) BRI Saving Balances by Tiering* (as of March 2026, Rp Tn)
Industry1 BRI Mass Mass Affluent Affluent
(% to total balance)
Industry BRI -0.6% +4.6% +48.8%
+15.6% +45.5% 80.0%
74.9 269.9 268.2 156.6 163.8 170.3
Affluent 68.8
160
.0
160
.0
7,794.9
70.0%
68.7
250
.0 140
.0
76.3 78.2 114.5
140
.0
(balance 6,745.2 60.0%
200
.0
120
.0
120
.0
>Rp500mn) 50.0%
150
.0
100
.0
80.0
100
.0
28.3
80.0
40.0%
144.4 141.5
28.3
60.0
101.6
60.0
166.4
100
.0
30.0%
21.7
40.0
40.0
86.2
114.3 50.0
49.2 48.5
20.0 20.0
20.0%
0.0 0.0 0.0
10.0%
0.0% 1Q25 1Q26 1Q25 1Q26 1Q25 1Q26
Feb’25 Feb’26 Feb’25 Feb’26 Feb’25 Feb’26
Rp50mn-100mn <Rp5mn Rp100-500mn >Rp5bn
Rp5mn-50mn Rp500mn-5bn
+104.1% +3.6%
Mass
80.0%
Monthly Average Savings Balance* (Rp Tn)
70.0%
Affluent 2,400.9 60.0%
(balance Rp100 50.0%
– 500mn) 29.1
40.0%
1,176.2 27.0 2026 2025 2024 2023
153.3 158.9
30.0%
21.2
13.1
600
594
20.0%
10.0% 600
582 581 580
0.0% 580 573
580
Feb’25 Feb’26 Feb’25 Feb’26 Feb’25 Feb’26 560
560
555
560
551 551
540
545 545
+4.4% +1.3% 539 540 540
Mass 80.0%
520
534 536 537
540
533
(balance 529
70.0%
500
525 524 522 523 526
<Rp100mn)
60.0%
1,079.5 1,127.4 49.2 516 518 517
50.0%
44.7 480
520
528
259.1 262.4 40.0%
517 515 517
30.0%
500 513 510 511 513 510 511
12.0 10.0
20.0%
10.0%
501 501
480
0.0%
Feb’25 Feb’26 Feb’25 Feb’26 Feb’25 Feb’26 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
*1) Data source: Bank Indonesia *Data is presented in Bank Only 15
Page 16
Selective Expansion Across a Diversified Portfolio, Anchored in Micro
Loan Outstanding – by business segment (Rp Tn) Composition – by business segment (%)
12
00. %
1,80 0.0 1,80 0.0
1,562.5
1,60 0.0
1,521.5 1,60 0.0
100. %
1,354.6 1,373.7 15.3% 15.6%
16.1% 18.0% 18.0%
1,40 0.0
1,266.4 351.9 1,40 0.0
22.5% 22.5%
342.5
2.7% 2.4% 2.9%
1,139.1 244.3 247.6 80
.0
%
2.9% 3.0%
65.8 4.0% 4.2%
1,20 0.0 1,20 0.0
197.7 61.1 15.3% 14.7%
1,042.9 41.1 17.4% 14.5% 14.6%
39.1
173.8 36.3 206.9 13.5% 13.2%
206.1 200.5
196.0
1,00 0.0 1,00 0.0
168.3 27.8 186.2 14.7% 15.0%
60
.0
%
27.8 14.4% 15.4% 15.6%
174.0 231.5 14.8%
228.8 15.0%
209.1 213.7
800 .0 800 .0
181.6 190.0
167.6 40
.0
%
600 .0
150.4 600 .0
400 .0 400 .0
49.4% 52.3% 51.8% 49.2% 48.8%
656.2 666.2 683.0 670.8 706.4 44.9% 45.2%
595.9
20
.0
%
514.8
200 .0 200 .0
0.0%
- -
2021 2022 2023 2024 2025 1Q25 1Q26 2021 2022 2023 2024 2025 1Q25 1Q26
Micro Consumer SME Commercial Corporate Total
YoY Growth ( % ) 5.3 8.3 3.2 60.0 42.1 13.7
(Rp Tn) 35.6 17.8 6.4 24.7 104.3 188.8
Recently, Bank Raya shifted portion of its Small Segment loans to Micro Segment amounting to Rp1 tn. Additionally, since Jan 2026, We have reclassified KUR Small into Micro
Segment. All figures from 2021 have been adjusted to reflect this re-segmentation.
16
Page 17
Lower Funding Costs Help Cushion Yield Pressure, Supporting NIM Stability
Amid Uncertainty
NIM – Bank Only vs Consolidated Lending Yield, EA Yield, and Cost of Fund
16
.0
%
9.0% 8.0%
13.1% 12.9%
8.0% 7.9% 12.5% 12.3% 13.1% 12.2%
7.9% 7.8% 7.9%
8.5% 14
.0
%
7.5%
7.5%
8.0%
12
.0
%
7.5%
7.0%
10
.0
%
7.0%
10.9% 11.0% 10.8%
6.9% 6.8%
8.0%
9.6% 9.7% 10.4%
6.5%
6.8% 6.5%
6.8%
6.0%
6.5% 6.5% 6.0%
6.0%
3.2% 2.9%
5.5% 4.0%
2.5% 2.3%
1.7% 1.5%
5.0%
2.0%
5.5%
4.5%
0.0%
2021 2022 2023 2024 2025 1Q26 2021 2022 2023 2024 20251Q26
4.0% 5.0%
NIM - Consol. NIM - Bank Only Loan Yield Earning Asset Yield Cost
Costof
of Third
Fund Party Fund
39.5 40.2
40.0
40.0
EA to Total Asset and Loan to Total EA
35.1 34.8
35.0
35.0
31.1 94.7% 95.0%
10 0.0%
89.3% 91.1% 92.4% 93.4%
30.0
30.0 28.1 90 .0%
70.7% 73.6% 75.0% 74.3%
29.1 29.5
80 .0%
65.6% 68.4%
25.0
27.8 70 .0%
26.6
25.0
26.1 60 .0%
50 .0%
20.0
21.6
20.0
40 .0%
30 .0%
15.0
15.0
20 .0%
10 .0%
10.0
10.0 0.0 %
2021 2022 2023 2024 20251Q26
1Q26 2021 2022 2023 2024 2025 1Q26
Quarter NII - Consol (IDR Tn) Quarter NII - Bank Only (IDR Tn) % EA to Total Asset % Loan & Financing to Total EA
* 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
not generate interest income. All historical data reflects this change 17
Page 18
Stable Core Profitability: Robust NII Drove PPOP Growth
(Rp Bn)
Items 1Q26 4Q25 1Q25 g QoQ g YoY 2025 2024 2023
Interest Income 52,838 52,623 49,871 0.4% 5.9% 207,783 199,266 178,996
Interest Expense (12,683) (13,116) (13,986) -3.3% -9.3% (57,285) (56,608) (43,813)
Net Interest Income 40,155 39,507 35,884 1.6% 11.9% 150,498 142,659 135,183
Net Premium Income and Insurance Services 280 314 379 -10.7% -26.0% 1,298 1,167 2,161
Other Operating Income (Non-Interest) - incld. Gold 13,883 16,427 13,562 -15.5% 2.4% 56,080 54,652 45,945
Total Operating Expenses (22,135) (23,486) (19,931) -5.8% 11.1% (88,447) (82,100) (76,782)
Personnel Expenses (11,693) (9,450) (10,678) 23.7% 9.5% (42,114) (38,617) (37,850)
G&A Expenses (7,911) (11,490) (7,146) -31.1% 10.7% (33,776) (29,288) (28,484)
Others Expenses (2,531) (2,546) (2,107) -0.6% 20.1% (12,557) (14,195) (10,448)
Pre-Provision Operating Profit 32,183 32,762 29,894 -1.8% 7.7% 119,430 116,377 106,508
Provision Expenses (12,123) (12,585) (12,275) -3.7% -1.2% (46,182) (38,161) (29,679)
Loan - Provision Exp (12,429) (13,533) (12,012) -8.2% 3.5% (47,573) (42,972) (28,751)
Non-Loan - Provision Exp 306 948 (263) -67.8% -216.4% 1,391 4,811 (929)
Profit From Operations 20,060 20,177 17,619 -0.6% 13.9% 73,248 78,216 76,829
Non-Operating Income (74) (248) (239) -70.1% -68.9% (455) (964) (399)
Net Income Before Tax 19,986 19,929 17,381 0.3% 15.0% 72,793 77,252 76,430
Net Profit 15,634 15,900 13,742 -1.7% 13.8% 57,132 60,306 60,425
Profit After Tax & Minority Interest (PATMI) 15,493 15,874 13,622 -2.4% 13.7% 56,652 59,945 60,103
*) We restated the 2024 and 1Q25 income statement to reflect the implementation of the new accounting standard for insurance companies as stipulated in PSAK117 (IFRS 17)
*) 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. 18
Page 19
Stable Revenue Mix Driven By Rising Fee Income Contribution and Net Gold Trading
Other Operating Income
(Rp Bn)
Items 1Q26 4Q25 1Q25 g QoQ g YoY 2025 2024 2023
Fees and Commissions 5,507 5,743 5,198 -4.1% 5.9% 21,447 20,391 20,738
Recovery of Written-Off Assets 4,327 5,696 4,971 -24.0% -13.0% 20,952 25,364 16,834
Treasury Income: 1,394 2,140 1,246 -34.9% 11.8% 5,620 3,397 2,516
Gain on Sale of Securities - Net 813 1,529 483 -46.8% 68.4% 3,372 2,209 1,899
Gain on Foreign Exchange - Net 581 531 747 9.4% -22.3% 2,087 1,188 403
Unrealized Gain on Changes in Fair Value of Securities - 80 17 -100.0% -100.0% 161 - 214
Others 1,141 1,705 1,732 -33.0% -34.1% 5,662 4,796 5,539
Total Other Operating Income 12,369 15,284 13,148 -19.1% -5.9% 53,681 53,948 45,626
Net Gold 1,514 1,143 415 32.5% 265.1% 2,399 703 320
Total Other Operating Income Incl. Gold 13,883 16,427 13,562 -15.5% 2.4% 56,080 54,652 45,945
Operating Expenses
(Rp Bn)
Items 1Q26 4Q25 1Q25 g QoQ g YoY 2025 2024 2023
Salaries and Employee Benefits 11,693 9,450 10,678 23.7% 9.5% 42,114 38,617 37,850
General and Administrative 7,911 11,490 7,146 -31.1% 10.7% 33,776 29,288 28,484
Others 2,531 2,546 2,107 -0.6% 20.1% 12,557 14,195 10,448
Total Operating Expense 22,135 23,486 19,931 -5.8% 11.1% 88,447 82,100 76,782
*) 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. All FY24 is adjusted to reflect this change. 19
19
Page 20
CIR Remains Within Target Range, Despite Increase in Subsidiaries’ Opex Growth
(Rp Bn)
Items 1Q26 4Q25 1Q25 g QoQ g YoY 2025 2024 2023
Bank Only - Personnel Expenses 7,879 5,141 7,615 53.3% 3.5% 27,900 26,842 26,519
Bank Only - G&A Expenses 5,079 8,918 5,005 -43.1% 1.5% 24,099 21,629 21,020
Bank Only - Others Expenses 1,981 2,741 2,204 -27.7% -10.1% 11,647 13,384 9,506
Bank-Only Operating Expense 14,939 16,801 14,824 -11.1% 0.8% 63,646 61,856 57,046
Subsidiaries - Personnel Expenses 3,814 4,309 3,063 -11.5% 24.5% 14,214 11,774 11,331
Subsidiaries - G&A Expenses 2,833 2,572 2,141 10.1% 32.3% 9,677 7,659 7,464
Subsidiaries - Others Expenses 550 (196) (97) -381.0% -665.2% 910 811 941
Subsidiaries Operating Expense 7,196 6,685 5,107 7.6% 40.9% 24,801 20,245 19,737
Consolidated - Personnel Expenses 11,693 9,450 10,678 23.7% 9.5% 42,114 38,617 37,850
Consolidated - G&A Expenses 7,911 11,490 7,146 -31.1% 10.7% 33,776 29,288 28,484
Consolidated - Others Expenses 2,531 2,546 2,107 -0.6% 20.1% 12,557 14,195 10,448
Consolidated Operating Expense 22,135 23,486 19,931 -5.8% 11.1% 88,447 82,100 76,782
Cost to Income Ratio: Bank Only vs Consolidated* Cost to Asset Ratio: Bank Only vs Consolidated*
50
.0
% 48.6% 47.4%
6.0 0%
41.9% 42.5%
41.4%
45
.0
%
40.8%
5.0 0%
4.15% 3.98% 3.91% 4.12% 4.14% 3.94%
43.3% 4.0 0%
42.0%
40
.0
%
38.9% 37.9%
3.0 0%
3.48%
35
.0
%
37.7% 37.9% 3.23% 3.11% 3.36% 3.30%
2.0 0%
2.96%
30
.0
%
1.0 0%
25
.0
%
0.0 0%
2021 2022 2023 2024 2025 1Q26 2021 2022 2023 2024 2025 1Q26
BRI Consolidated BRI Consolidated
*As of 2025, insurance subsidiaries have adopted IFRS 17, replacing IFRS 4 20
Page 21
Capital Levels Remain Manageable, Offering Flexibility for Growth and Higher
Capital Returns
40 .00% 25 .00%
19.80% 18.90%
17.63% 18.36%
17.44% 20 .00%
35 .00%
12.23% 15 .00%
30 .00%
27.16% 27.27%
10 .00%
26.63%
25.54%
5.0 0%
25 .00%
26.16% 26.12% 23.52% 22.90%
25.52%
24.53% 0.0 0%
22.41% 21.82%
20 .00%
-5.00 %
15 .00% DPO -10 .0 0%
DPO DPO DPO ~92%
14.7% 85% 85% DPO ~86%
-15 .0 0%
2.5% Capital
10 .00%
DPO ~80%
Conservation Buffer
MINIMUM
65%
-20 .0 0%
REGULATORY 2.5% Capital Surcharge
on Systemic Bank
REQUIREMENT 5.0 0% -25 .0 0%
9.7% CAR based on
2021 2022 2023 2024 2025 1Q26
Risk Profile
Tier 1 CAR Tier 2 CAR Total CAR ROE B/S
Leverage (x) 5.8 6.1 6.2 6.2 6.5 6.5
Dividend Per-Share (Rp) 96.5 174.3 288.2 319.0 343.4 346.0
• 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 21
• BRI distribute a full-year dividend of Rp346 per share on May 8, 2026 (including an interim dividend of Rp137 per share that has been paid on Jan 15, 2026)
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. 21
21
Page 22
ULTRA MICRO &
MICRO BUSINESS
22
Page 23
Selective Micro Portfolio Approach Strengthens Customer Relationships, While
Pegadaian Benefits From Rising Gold Prices
Loan Composition - Outstanding (Rp Tn) # Borrowers (in Mn)
BRI Micro Pegadaian PNM 5.3% YoY BRI Micro Pegadaian PNM Total -4.1% YoY
37.2 36.1
705.1 35.5 34.7 35.6
665.4 681.8 669.9 34.2
656.2
51.9 -0.2% 31.2
595.9 50.0 50.3 52.0
47.1
514.8 42.6 67.6 85.4 126.0 93.0 150.2 14.0 15.2 14.5 14.2 -8.8%
61.6% 13.2 12.9
59.1 11.2
34.5
52.4
7.0 7.7 8.3 8.9 8.2 6.1%
6.6 8.7
541.6 530.0 524.9 -4.2%
494.2 505.4 503.0
427.9
13.4 14.6 14.3 13.3 12.6 13.2 12.5 -5.5%
2021 2022 2023 2024 2025 1Q25 1Q26 2021 2022 2023 2024 2025 1Q25 1Q26
Key Ratios
BRI Pegadaian PNM
Description
9M21 2021 2022 2023 2024 2025 1Q26 9M21 2021 2022 2023 2024 2025 1Q26 9M21 2021 2022 2023 2024 2025 1Q26
CoF 1.8% 1.7% 1.5% 2.5% 3.2% 2.9% 2.3% 6.2% 6.0% 4.9% 5.9% 6.3% 6.3% 5.9% 8.7% 8.6% 7.6% 6.8% 6.6% 6.2% 6.1%
Credit Cost 3.8% 3.4% 2.5% 2.4% 3.2% 3.4% 3.3% 1.7% 1.4% 0.9% -0.3% 0.9% 1.4% 2.6% 1.3% 2.0% 5.7% 5.7% 7.7% 6.1% 2.0%
CIR 42.1% 43.3% 42.0% 37.7% 37.9% 38.9% 37.9% 63.0% 62.8% 63.7% 59.4% 53.0% 51.6% 43.8% 76.7% 74.6% 67.7% 63.4% 59.7% 69.7% 79.7%
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 23
Page 24
Micro Business Remains Focused on Asset Quality and Recovery
Micro Loan Outstanding (Rp Tn) # Borrowers (in Mn) # Borrowers per Loan Officer
14.6
600
. 62
00
. 16
.0 15
.0
541.6 530.0 524.9 14.3
494.2 505.4 503.0 13.4 0.6 13.3 13.2 537
0.5 528
55
0
12.6
14
.0 13
.0
64.3 59.7 59.1
52
00
.
0.7 0.5 12.5
0.5
500
.
427.9 59.8 59.3 2.8 0.4
68.9 12
.0 0.4 11
.0
488 490 492
42
00
.
2.7 4.7 50
400
.
74.9 4.5 3.9 4.4 3.6 463
129.2 212.3 200.2 175.6 197.2 163.5 32
00
.
10
.0 9.0
456
45
0
131.8
30.0 8.0 7.0
22
00
.
11.1
6.0 5.0
40
10.0
200
.
12
00
.
9.1 8.4 8.2 8.3 8.4
296.1 264.9 270.0 270.0 268.6 280.2
4.0 3.0
100
. 221.2 20
.0
35
0
2.0 1.0
0.0 -80.0 30
0.0 -10
.
2021 2022 2023 2024 2025 1Q25 1Q26 2021 2022 2023 2024 2025 1Q25 1Q26 2021 2022 2023 2024 2025 1Q25 1Q26
KUR Kupedes Briguna KUR Kupedes Briguna
Growth YoY Growth YoY Loan OS per Loan Officer (in Bn)
25.0
Product 2021 2022 2023 2024 2025 1Q25 1Q26 Product 2021 2022 2023 2024 2025 1Q25 1Q26 20.0 19.5 19.5
20.0
18.2 18.6 18.4
15.7
KUR* 49.4% 33.8% -10.5% 5.2% 0.0% 0.9% 4.3% KUR* 31.1% 11.4% -18.6% -7.9% -1.4% -4.9% 1.3% 15.0
Kupedes -8.9% -1.9% 64.3% -5.7% -12.3% -8.9% -17.1% Kupedes -20.3% 3.8% 64.7% -3.9% -12.4% -5.5% -18.0% 10.0
Briguna -6.3% -8.0% -6.7% -7.1% 0.1% -5.4% 0.2% Briguna -13.0% -10.7% -12.6% -13.2% -7.1% -11.8% -6.6% 5.0
Total 14.8% 15.5% 9.6% -1.1% -4.6% -3.7% -4.2% Total 13.2% 8.7% -2.1% -6.7% -5.3% -5.4% -5.5% -
2021 2022 2023 2024 2025 1Q25 1Q26
*) Include Housing Loan Program (Demand Side) Rp6.14 tn as of 1Q26
*) KUR Small has been reclassed to Micro Segment since Jan’25 24
Page 25
LOAN QUALITY
25
Page 26
Gradual Recovery and Risk Initiatives Support Micro SML Improvement, While NPL
Trends Reflect NPL Cycle Dynamics
Non-Performing Loan – by Segment Special Mention – by Segment
Segment 1Q26 1Q25 2025 2024 2023 2022 Segment 1Q26 1Q25 2025 2024 2023 2022
Micro 4.15% 3.31% 3.80% 2.79% 2.40% 1.64% Micro 5.61% 6.66% 5.43% 6.02% 5.53% 3.83%
Consumer 2.41% 2.02% 2.35% 1.97% 1.97% 1.83% Consumer 2.78% 2.54% 2.70% 2.39% 2.84% 2.76%
SME 5.55% 5.13% 5.53% 4.91% 5.66% 5.23% SME 5.76% 6.10% 5.00% 4.95% 5.57% 4.74%
Commercial 3.92% 2.49% 4.29% 2.50% 2.56% 2.26% Commercial 1.75% 2.68% 1.19% 1.90% 2.52% 2.55%
Corporate 1.33% 2.36% 1.70% 2.60% 3.86% 4.68% Corporate 2.58% 3.85% 2.16% 3.72% 4.67% 4.32%
Bank Only - NPL% 3.31% 3.15% 3.29% 2.93% 3.12% 2.82% Bank Only - SML% 4.17% 5.15% 3.86% 4.63% 4.87% 3.87%
Subsidiaries - NPL% 0.97% 1.41% 1.33% 1.36% 1.20% 1.24% Subsidiaries - SML% 3.93% 6.31% 3.52% 6.00% 4.84% 3.90%
Consolidated - NPL % 3.01% 2.97% 3.07% 2.78% 2.95% 2.67% Consolidated - SML % 4.16% 5.32% 3.84% 4.82% 4.90% 3.90%
Since Jan 2025, We have reclassified KUR Small into Micro Segment. All figures from 2021 have been adjusted to reflect this re-segmentation.
26
Page 27
The Kupedes Batches of 2023 and 2024 Continue to Decrease, with 2025 Disbursements
Continue to Show Better Vintages, Allowing for Improvement in Asset Quality
2023 Kupedes Disbursement (as of March 2026, Rp Bn) Kupedes Disbursement Trend (Rp Tn)
25
0,000
201,577 157,852
20,000
201.6 2023 2024 2025
15
0,000
70
.0
59.3
10,000
60
.0
126.0
50.3 105.4
15,112 46.7 45.3
28,613
50
.0
50
, 00
40
.0
37.9
31.0
28.4 28.8 30.8
-
Disbursement Paid-Off Write-Off Remaining OS 30
.0
27.1 25.2
22.1
Kupedes Remaining SML NPL Total 20
.0
2023 Batch OS Restructured* 10
.0
(Rp Bn) 28,613 5,775 4,170 7,641 0.0
1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q
2024 Kupedes Disbursement (as of March 2026, Rp Bn) Kupedes Vintages Trend (Avg DG to SML 6MOB)
125,987 80,721
14
000
12
000
2023 2024 2025
1000
6.3%
8000
5.0%
2,323
6000
42,944 8.0%
4000
6.9% 6.9% 3.8%
5.9%
7.0%
2000
5.5% 5.6% 5.7%
5.0%
6.0%
0 4.7%
Disbursement Paid-Off Write-Off Remaining OS
5.0%
3.9%
4.0%
3.3% 3.1%
Kupedes Remaining SML NPL Total
3.0%
OS Restructured*
2.0%
2024 Batch 1.0%
(Rp Bn) 42,944 6,410 6,203 6,169 0.0%
n.a.
1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q
*Total Restructured Loan includes Current Restructured, SML, and NPL 27
Page 28
Prudent Provisioning Levels Support Adequate Coverage of NPL and LAR Against
Potential Loan Delinquencies
NPL & NPL Coverage LAR & LAR Coverage
300. 0%
272.20%
LAR % LAR Coverage
247.70% 70
. 0%
229.09%
25
00. 0%
54.14% 55.94% 56.81% 55.75%
215.01% 60
. 0%
49.40%
50
. 0%
178.06% 179.45%
20
. 00. %
10 0%
36.14%
8.61%
40
. 0%
8.17%
9.0%
0
30
. 0%
15
00. 0%
8.0%
0
6.75%
20
. 0%
7.0%
0 23.09%
5.98% 10
. 0%
18.06%
100. 0%
5.46% 5.39% 12.47% 10.70%
6.0%
0
9.61% 9.67%
Average LLR 2010 – 2019
0.0%
0
300
.0
4.10%
5.0%
0
50
3.09%
. 0%
3.30% 3.07% 243.0
3.01%
160
.0
4.0%
0
2.95% 250
.0
140
.0
2.78% 3.0%
0
188.4
3.0%
0
200
.0
120
.0
0.0%
0
2.5%
0
157.9 151.1
93.1 146.3
2.00
%
87.8 85.5 145.0
83.1 84.3 171.3
100
.0
81.1 2.0%
0
150
.0
102.2
1.0%
0
80.0
1.5%
0
58.5 42.0 41.2 39.2
0.0%
0
60.0 100
.0
1.00
%
65.3 58.4 65.0
62.1
55.8
40.0
50.0
40.5
37.6 37.3 37.7 46.6 46.9 0.5%
0
32.3
20.0
31.2 30.4 37.3 37.7 46.6 46.9
- 0.0%
0 -
1 2 3 4 5 6
2021 2022 2023 2024 2025 1Q26 2021 2022 2023 2024 2025 1Q26
Provision (IDR Tn) NPL (IDR Tn) NPL % LLR NPL Coverage NPL SML Restruct. - Current Coll.
*Since 2021, LAR and LAR Coverage are presented in consolidated number
28
Page 29
Higher Net CoC Reflects Lower Recoveries, with Initiatives Underway to Improve
Performance
Write Off & Recovery Credit Cost
80.0 5.00
%
3.58%
70.0 4.0%
0
3.23% 3.35%
3.20%
55.7% 55.9% 2.70%
60.0 3.0%
0
55
.0
2.55%
50.6% 2.37%
49.5% 2.09%
46.0%
48 .5%
50.0 1.87% 2.0%
0
45
.0
1.41% 1.32%
45.4 45.5 47.6
38.6% 0.98%
38 .5%
40.0
43.0 1.0%
0
35
.0
34.0 36.6
30.0 0.0%
0
28 .5%
28.7
25
.0
25.4 27.6 27.9
26.6
22.4
21.0 20.0 -10
. 0%
17.8 16.8
18 .5%
17.6
15
.0
15.4
12.5 12.4
11.2 11.9
10.0 -2.00%
9.0
5.0
8.5 %
8.1
4.3
- -30
. 0%
2021 2022 2023 2024 2025 1Q26 2021 2022 2023 2024 2025 1Q26
-50.
-1.5%
Write-Off (Rp Tn) Recovery Income (Rp Tn) Recovery Rate Provision Exp. - Loan (Rp Tn) Provision Exp. - Net - Loan (Rp Tn)
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. 29
Page 30
BRI GROUP GUIDANCE,
ESG & KEY TAKEAWAYS
30
Page 31
Catalysts for BRI’s Sustainable Growth
Sustainable Decarbonization Financial People
Portfolio Pathway Inclusion & Literacy Management
Rp96.6T in Green Loans. 6 sectoral loan policies, driving BRI’s portfolio >131 million customers served, making 25.7% women leaders, BRI
decarbonization BRI the backbone of Financial Inclusion builds a workplace where DEI
Rp718.8T in Social Loans, the largest
is embedded
in the industry Financed Emission by Sector Sectoral Policies 4.5 million
68.3 million Underdeveloped, Frontier,
Green Loans women and Outermost Areas (3T) Women in management
8.7%
Social Loans (in Rp T) 46.0% • Palm Oil (2017)
25.6% 25.7%
16.0% 63.2 million 30.2 million 25.2%
785.3 811.9 815.3 • Pulp & Paper (2022) youth elderly
93.2 96.6 • Oil & Gas (2023)
86.6 2024 2025 1Q 2026
29.2% • Coal (2024)
>47 million BRImo users. Expanding
• Forestry (2025) Women in the workforce
698.7 718.7 718.8 access to every corner of Indonesia
Electricity & Gas Agriculture • Electricity (2025) 42.9% 43.1%
& Forestry 41.2%
BRIMo Users Other channels
Mining & Quarrying Others
2024 2025 1Q26 (in million)
7,377
BRI Outlets 2024 2025 1Q 2026
47.8
40.3
627,679
Rp39.3T in Sustainable Wholesale 926 electric vehicles. 152 solar-powered offices. E-channels
Women in New Hires
Funding (Social Bonds, Green Bonds, Operational decarbonization is already underway 1Q 2025 1Q 2026
60.7% 59.2%
1.18 million 55.5%
SLLs, etc.) Agents
Scope 1
Sustainable Wholesale Funding (in thousand tonsCO2eq)
Scope 2
(in Rp T) 42% >5,000 Desa BRILiaN, empowering Micro 2024 2025 1Q 2026
124 115 & SME Communities from the ground up
reduction Employees with disability
57
5,245 Desa BRILiaN 51 53
34.8 39.3 346 330 Net
27 24 24
Zero 15.6 Million MSME Users
78 72
2024 2025 1Q 2026 2024 2025 1Q 1Q 2030 2050 Klasterku 2024 2025 1Q 2026
hidupku 43,789 Business Clusters
2025 2026 31
Page 32
BRI Group Guidance
2026 Guidance 1Q26 Note
Loan Growth
7% - 9% 13.74% Exceed
(YoY)
NIM 7.4% – 7.8% 7.87% Exceed
Credit Cost 2.9% - 3.2% 3.20% Inline
CIR 41% - 43% 40.75% Exceed
32
Page 33
Key Takeaways
Stronger Fundamentals, Sustainable Performance
Core Funding Performance
Improving Quality More Stable, More Efficient Consistent & Discipline
1.
1 Tighter underwriting 1. CASA-led growth 1. Resilient margin
2. Lower downgrade 2. Improved Cost of 2. Controlled risk &
flows Fund costs
3.
3 Stronger new 3.
3 Retail funding 3.
3 Strong capital
vintages acceleration position
33
Page 34
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 5752009, 5751979 Website : www.ir-bri.com Email : ir@bri.co.id
Names mentioned 3 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.15
unresolved
org
Bank REQUIREMENT
p.21
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