BRI Performance Highlights and Green Initiatives

THE ESTABLISHMENT OF ULTRA MICRO ECOSYSTEM Strengthen BRI's Positioning In Micro Banking Through Integrated Customer Journey Ultra Micro Business will serve as BRI's New Source of Strong and Sustainable Growth BRI Business ecosystem of BRI, Pegadaian and PNM will create integrated customer journey through Unique Value Propositions 45mn required additional funding... XX 1 But only 15mn were served by formal financial institutions... # of Ultra Miro businesses 18mn 3 Not served 2 And 12mn were served by personal lending/informal lending... BRI 3mn Bank ~3mn Pawn lending Pegadaian ~6mn Group lending 15mn ~1.5mn 30mn BPR ~1.5mn Loan Fintech Friends & Shark Family 5mn 2 7mn 3 With the remaining 18mn still not served by any providers PNM Podari Entities Benefits BRI Market leader in micro banking, serving ~13mn micro borrowers and ~100mn micro depositors Pegadaian Market leader in pawn lending, serving ~6mn borrowers 1. EMPOWER PNM will empower the unfeasible and unbanked Ultra Micro customers to become independent entrepreneurs 2. INTEGRATE Through their increased capabilities and wider product offerings, Pegadaian and BRI UMi will serve the individual lending needs of the graduating PNM customers who have become feasible and banked 3. UPGRADE As the Ultra Micro customers mature, they will be upgraded to micro segment EA $ forg Economic Increasing entity's valuation and hence shareholder's value Social Improve living standards and reduce financing costs for UMI customers 1 Served by formal financial institutions PNM Market leader in group lending, serving and empowering ~10mn borrowers Served by personal lending/ informal lending The huge potential of Micro and ultra-micro business will serve as the new source of growth and therefore strengthen BRI's core competency in Micro and Small business. Source: Company, as of 2018 1 Comprehensive Financing Product Offering I PNM BRI BRI Pegadaian 2 Joint Customer Acquisition 3 Value Propositions 4 Wider Customer Point of Access Through Co-Location Access to Micro Payment Ecosystem & Beyond Banking Products 5 6 Data Analytics Sustainable Contribute to financial literacy and social inclusion for all Indonesians Empowerment & Increasing Capabilities 55

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