BRI Performance Highlights and Green Initiatives

2022 BRI GROUP GUIDANCE FY'22 Actual FY'22 Guidance FY'23 Guidance I Loan Growth (YoY) 9.2% 9% -11% 10% -12% I I Net Interest Margin 7.85% 7.7% - 7.9% 7.7% - 7.9% I I I Cost of Credit 2.55% 2.7% -2.9% 2.2% -2.4% I I I Opex Growth 8.3% 6% - 8% I I I NPL 2.67% 2.8% -3% 2.6% -2.8% I CIR (Bank Only) 41.95% 40% -41.5% I 33 33 BRI

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