Board of Management Committees

ALCO is a Committee at the Head Office which is responsible for formulating and determining asset and liability policies as well as setting Fund Transfer Price (FTP) rates.

Asset and Liability Committee (ALCO) Charter

In carrying out its duties, ALCO refers to the Decree of the NOKEP Directors: 874-DIR/PPM/06/2022 concerning the Asset and Liability Committee which regulates the Organization, Duties, Authorities and Responsibilities, Work Procedures and Limited ALCO Meetings.

Duties and Responsibilities of Asset and Liability Committee (ALCO)

The Asset and Liability Committee (ALCO) has the following duties and responsibilities:

1. Determine optimal asset and liability management strategies and policies by taking into account potential risk, optimum yield generation and cost efficiency.
2. Determine the interest rates on deposit, lending rate (SBDK), fund transfer prices (FTP) and other pricing that have a direct impact on achieving net interest income (NII).
3. Determine the Decision Makers authority in deciding of special interest rates for deposits, loans and/or other bank products.
4. Determine the Net Open Position (NOP) policy.
5. Monitor that the management of assets and liabilities in the company is carried out in accordance with the ALCO meeting’s the decisions.

Structure of Asset and Liability Committee (ALCO) Membership

Membership Structures	Position	Voting Rights	Membership Structure
President Director	Chief	√
Vice President Director	Substitute Chief (Concurrently a permanent member)	√
VP, Assets & Liabilities Management	Secretary (Concurrently a permanent member)	√
Director of Finance	Permanent member	√
Director of Micro Business	Permanent member	√
Director of Small, Retail & Medium Business	Permanent member	√
Director of Institutional Relations & SEO	Permanent member	√
Director of Consumer	Permanent member	√
Director of Network & Service	Permanent member	√
Director of Digital, Information Technology & Operations	Permanent member	√
Director of Risk Management	Permanent member	√
Director of Human Capital	Permanent member	√
SEVP Treasury & Global Services	Permanent member	√
SEVP Corporate Business	Permanent member	√
SEVP Fixed Asset Management and Procurement	Permanent member	√
SEVP Change Management & Transformation Office	Permanent member	√
EVP, Corporate Banking 1	Permanent member	√
EVP, Corporate Banking 2	Permanent member	√
EVP, SOE Business 1	Permanent member	√
EVP, SOE Business 2	Permanent member	√
EVP, Syndication & Financial Services	Permanent member	√
EVP , Institutional Business	Permanent member	√
EVP, Transaction Banking	Permanent member	√
EVP , Social Entrepreneurship & Incubation	Permanent member	√
EVP, Wealth Management	Permanent member	√
EVP , Consumer Lending Sales & Development	Permanent member	√
EVP, Card & Digital Lending	Permanent member	√
EVP, Mass Funding	Permanent member	√
EVP, Retail Payment	Permanent member	√
EVP, Treasury Business	Permanent member	√
EVP, Investment Services	Permanent member	√
EVP, Internasional Business	Permanent member	√
EVP, Micro Business Development	Permanent member	√
EVP. Micro Sales Management	Permanent member	√
EVP, Small Sales Management	Permanent member	√
EVP, Small & Medium Business Development	Permanent member	√
EVP, Medium Business 1	Permanent member	√
EVP, Medium Business 2	Permanent member	√
EVP, Micro, SME, Consumer Credit Risk & Policy	Permanent member	√
EVP, Market, Portfolio & Enterprise Risk Management	Permanent member	√
EVP, Wholesale Credit Risk Analyst	Permanent member	√
EVP, Credit Restructuring & Recovery	Permanent member	√
EVP, Corporate Development & Strategy	Permanent member	√
EVP, Financial & Management Accounting	Permanent member	√
EVP, Change Management	Permanent member	√
EVP, Project Management Office	Permanent member	√
Jakarta Regional Leader 1	Permanent member	√
Jakarta Regional Leader 2	Permanent member	√
Jakarta Regional Leader 3	Permanent member	√
Special Branch Manager	Permanent member	√
Compliance Director	Permanent member	-
SEVP Internal Audit	Permanent member	-

Asset And Liability Committee (ALCO) Independence Statement

All members of ALCO had no affiliation with other Directors, Commissioners or Controlling Shareholders, they were not shareholders of the Company which may affect their ability to act independently, Commissioners, Directors or employees of companies that have affiliations or do business with BRI.

Meeting and Implementation of Asset and Liability committee (ALCO) in 2022

Meeting Policy

1. At least 1 (one) time in 1 (one) month the Asset and Liability Committee (ALCO) held an ALCO Meeting to discuss the management of the Company’s assets and liabilities related to strategies and policies in terms of
   1. Development of bank performance.
   2. The composition and growth of the bank’s portfolio.
   3. Allocation of productive assets, diversification of funding, and capital management.
   4. Risk management.
   5. Deposit interest rates, loan interest rates, basic lending rates (SBDK), fund transfer prices (FTP) and other pricing.
2. The ALCO Meeting is chaired by the Chairman of ALCO. In the event that the ALCO Chairman is unable to attend, the ALCO Meeting shall be chaired by the Substitute ALCO Chairman in sequence.
3. Having coordination in holding the ALCO Meeting is the responsibility of the ALCO Secretary, including:
   1. Preparing for the ALCO Meeting.
   2. Preparing and presenting ALCO Meeting materials.
   3. Ensuring that the ALCO Meeting was attended by at least 2/3 (two thirds) of ALCO Members to be held.
   4. Preparing and distributing minutes of ALCO Meetings
4. In the event that the ALCO Secretary who is an ALCO Member is unable to attend, then his/her position is carried out by AVP Assets & Liabilities Management.
5. ALCO Meetings must be attended by at least 2/3 (two thirds) of ALCO Members. In the event that the Head of the Work Unit who is a Member of ALCO is unable to attend, the person concerned may appoint a successor at the level of VP or at least the level of AVP.
6. For administrative efficiency related to organizational changes, additional Members can be proposed separately to the ALCO Chair through the ALCO Secretary where the approval letter for membership proposals becomes an integral part of the ALCO Decree.
7. The decisions of the ALCO Meeting were taken by deliberation and consensus. In the event that full agreement could not be reached, the decision of the ALCO Meeting was considered valid with the approval of 50% (fifty percent) of the total ALCO Members with voting rights plus 1 (one) ALCO Member, including members of the Board of Directors, one of whom was the Chairman of ALCO or Substitute of ALCO Chairman.
8. The Secretary of ALCO may invite relevant participants to attend ALCO according to the topics discussed in ALCO.
9. In the event of a very urgent condition (contingency) for ALCO to implement, but the Chairman and/or Substitute Chairman is unable to chair the meeting, the Chairman of ALCO may delegate to one of the Directors to lead ALCO which decision letter is approved by the Chairman of ALCO and administered by Secretary of ALCO.

Limited ALCO Meetings

1. Asset and Liability Committee (ALCO) secara insidentil dapat menyelenggarakan Rapat ALCO Terbatas untuk membahas pengelolaan asset and liability yang berkaitan dengan strategi dan kebijakan BRI dalam hal terdapat issue khusus yang harus segera mendapatkan hasil putusan Rapat ALCO.
2. Ketua ALCO atau Ketua ALCO Pengganti dan Sekretaris ALCO berwenang menetapkan Anggota ALCO yang diminta hadir di dalam Rapat ALCO Terbatas di dalam suatu Surat undangan tersendiri.
3. Rapat ALCO Terbatas harus dihadiri oleh seluruh Anggota ALCO.

Realization of Meetings and Duties Asset and Liability Committee (ALCO) In 2022

During 2022, ALCO carried out its duties by holding 12 (twelve) meetings. The discussion of the ALCO meeting is as follows.

No	Date	Meeting agenda	Meetings
1	January 12, 2022	Economic Review, A/L Position, Recommendations, Development of BRI Shares.
2	February 14, 2022	Economic Review, A/L Position, Recommendations, Development of BRI Shares.
3	March 16, 2022	Economic Review, A/L Position, Recommendations, Development of BRI Shares.
4	April 11, 2022	Economic Review, A/L Position, Recommendations, Development of BRI Shares.
5	May 09, 2022	Economic Review, A/L Position, Recommendations, Development of BRI Shares.
6	June 09, 2022	Economic Review, A/L Position, Recommendations, Development of BRI Shares.
7	July 11, 2022	Economic Review, A/L Position, Recommendations, Development of BRI Shares.
8	August 09, 2022	Economic Review, A/L Position, Recommendations, Development of BRI Shares.
9	September 12, 2022	Economic Review, A/L Position, Recommendations, Development of BRI Shares.
10	October 10, 2022	Economic Review, A/L Position, Recommendations, Development of BRI Shares.
11	November 10, 2022	Economic Review, A/L Position, Recommendations, Development of BRI Shares.
12	December 12, 2022	Economic Review, A/L Position, Recommendations, Development of BRI Shares.

Risk Management and Environmental, Social & Governance (ESG) Committee Charter

In carrying out its duties the Risk Management and Environmental, Social & Governance (ESG) Committee referred to the Decree of the Directors NOKEP: 872-DIR/PPM/06/2022 concerning Risk Management and Environmental, Social & Governance (ESG) Committee which regulated Organizations, Envoys and Attendance, Duties, Authorities and Responsibilities and Working Procedures.

Independence Statement of Risk Management and Environmental, Social & Governance (ESG) committee

All members have no affiliation with Other Directors, Commissioners or Controlling Shareholders, are not shareholders of the Company which may affect their ability to act independently, Commissioners, Directors or employees of companies that have affiliation or business with BRI.

Risk Management Committee

The committee responsible for the preparation of the Risk Management Policy and its amendments including the implementation of risk management policies and strategies.

Duties and Responsibilities of the Risk Management Committee

The Risk Management and ESG Committee for Risk Management had the following duties and responsibilities:

1. Establish Risk Management Policies and their amendments including implementation of risk management policies, risk management strategies and contingency plans if abnormal external conditions occured.
2. Determine the risk measurement methodology and its changes.
3. Set limits and changes.
4. Determine the Risk Profile Value and Bank Soundness Level and follow up if necessary.

The Integrated Risk Management Risk Management and ESG Committee had the following duties and responsibilities:

1. Establish Integrated Risk Management policies and their changes.
2. Determine corrective steps based on the evaluation results of the implementation of Integrated Risk Management in the form of:
   1. Integrated risk profile report.
   2. Report on individual risk profiles of Subsidiaries members of the BRI financial conglomerate.
   3. Integrated capital analysis.
   4. Simulation of integrated and/or individual stress testing and contingency plans.

Risk Management Committee Membership Structure

The Risk Management and ESG Committee in the field of Risk Management had the following composition of management and members:

Membership Structures	Position	Voting Rights	Membership Structure
President Director	Chairman	√
Vice Director	Substitute Head (also a permanent member)	√
Director of Risk Management	Permanent Member	√
Director of Finance	Permanent Member	√
Direktur Human Capital	Permanent Member	√
Director of Compliance	Permanent Member	-
All Directors or SEVP of Related Fields	Non-Permanent Members	√
Division Head, Market, Portfolio & Enterprise Risk	Secretary	-
Head of Related Work Unit	Non-Permanent Members	-
Committee Support Team
Market, Portfolio & Enterprise Risk Division	Credit, Market, Liquidity and Strategic/Financial Risk Coordinator	-
Operational Risk Division	Risk Coordinator for Operational, Legal, Compliance and Reputation risks as well as the risk owner for operational risk	-
Credit & Product Risk Policy Division	Credit risk owner risk	-
Digital Risk	Digital risk owner risk	-
Treasury Division	Market Risk Owner Risk	-
Asset & Liability Management Desk	Risk Owner Liquidity Risk	-
Compliance Division	Risk Owner Compliance Risk	-
Head Office of Internal Audit Work Unit	Providing input on evaluating the adequacy and effectiveness of the risk management process	-
Legal Division	Risk Owner legal risk	-
Corporate Secretary Division	Risk Owner reputation risk	-
Service & Contact Center Division	Risk Owner reputation risk	-
Planning, Budgeting & Performance Management Division	Risk Owner strategic/financial risk	-

Risk Management and ESG Committee in Integrated Risk Management had the following composition of management and members:

Membership Structures	Position	Voting Rights	Membership Structure
President Director	Chairman	√
Vice Director	Alternate Chairman (concurrently as Permanent Member)	√
Director of Risk Management	Permanent Member	√
Director of Finance	Permanent Member	√
Director of Human Capital	Permanent Member	√
All Directors or SEVP of Related Fields	Non-Permanent Members	√
Director of Compliance	Permanent Member	-
Main Director of Bank Raya	Permanent Member	-
Main Director of BRI Life	Permanent Member	-
Main Director of BRI Finance	Permanent Member	-
Main Director of BRI Ventura	Permanent Member	-
Main Director of BRI Danareksa Securities	Permanent Member	-
Main Director of BRI Insurance	Permanent Member	-
Chief Director of Pawnshop	Permanent Member	-
Main Director of PMN	Permanent Member	-
Director/SEVP in charge of the Risk Management Function in Subsidiaries Members of the BRI Financial Conglomerate	Permanent Member	-
Division Head of Market, Portfolio & Enterprise Risk	Secretary	-
Head of Related Work Unit	Non-Permanent Members	-
Committee Support Team
Subsidiary Management Division	Managers in monitoring the risk of Subsidiaries	-
BRI Risk Management Work Unit	MPE, ORD, KRD and DRD as oversight functions	-
Internal Audit Work Unit	Independent assurance function	-

Meetings and Duties Implementation of Risk Management Committee In 2022

Meeting Policy

1. The RMC Meeting shall be convened periodically at least once per quarter, the Integrated RMC Meeting shall be convened periodically at least every six months.
2. In the event of important issues and in urgency, the RMC and Integrated RMC Meetings can be held whenever necessary, among others:
   1. Significant changes in the BRI Risk Profile due to change in business conditions, macroeconomic factors, violations of internal risk limits or other factors.
   2. Regulatory changes that require fast and immediate responses or actions from the organization.
   3. Force Major conditions occur due to natural factors, human factors, external disturbances and other disruptive factors.
   4. Factors that can cause the Board of Directors to decide to hold the RMC and Integrated RMC Meetings.
3. The RMC and Integrated RMC discuss, review and approve the proposals and recommendations submitted in the meeting in accordance with applicable regulations. The suggestions and recommendations include risk management policies, strategies and procedures.
4. Committee meetings for Risk Management and Integrated Risk Management were chaired by the Chairman of the Committee. In the event that the Chairman of the Committee is unable to attend, the meeting shall be chaired by an Alternate Chair.
5. Committee meetings for Risk Management and Integrated Risk Management could be held if attended by at least 2/3 (two thirds) of the Committee Members and attended by the Chair of the Committee.
6. Decisions of the Committee Meetings were taken by deliberation and consensus. In the event that no agreement is reached, the decision of the Committee Meeting was considered valid with the approval of 50% (fifty percent) of the number of Committee Members who had voting rights plus 1 (one) Committee Member including the Committee Chair.
7. Decisions made at Committee Meetings for Risk Management and Integrated Risk Management could be annulled by the Board of Directors through a Board of Directors meeting.
8. Coordinating the implementation of Committee Meetings for Risk Management and Integrated Risk Management was the responsibility of the Committee Secretary for Risk Management and Integrated Risk Management.

Meeting Realization and Implementation of Risk Management Committee Tasks in 2022

In 2022, the Risk Management and ESG Committee in the field of Risk Management held 8 (eight) meetings with the following explanation:

No	Date	Meeting agenda	Meetings
1	January 24, 2022	Enterprise Risk material Bank Health Level Risk Appetite Statement Mandatory Report Materi Market & Liquidity Risk Market Risk – LIBOR discontinuity Liquidity Risk Credit Portfolio Risk Material Overview Loan Quality Covid Restructured Loans Write Off and Recovery 2022 Credit Quality Projection Credit Product & Policy Material Debtor/Prospective Corporate Segment Debtor Management Transition Process Material Operations Risk Highlights of Q4 2021 Operational Risk Profile Issues – Human Error Incidents, Fraud Behavior, KPMR Improvements Digital Risk Material Implementation of Digital Risk in Q4-2021 Digital Risk Work Plan in Q1-2022 BRIMO & BRISPOT Risk Profile 2021
2	April 27, 2022	Enterprise Risk material Proposed Changes to BRI’s Risk Profile Parameters Mandatory Report Risk Awareness – Impact of the Cooking Oil Export Ban on the decline in FFB prices and the quality of Palm Oil Plasma loans Material Market & Liquidity Risk Market Risk – LIBOR discontinuity, Interest Rate Market Risk Stress Testing, FVOCI UKLN unrealized loss limit on capitalunrealized loss FVOCI UKLN terhadap modal Liquidity Risk – Projection of liquidity needs in 2022, LCR, NSFR, Liquidity Risk Stress Test Credit Portfolio Risk Material Credit Risk Analysis System application Peers Analysis Q1’21 & Q1’22 Overview Loan Quality Covid Restructured Loans Write Off and Recovery Credit Product & Policy Material Evaluation of the Use of PDWK Material Operations Risk Q1 2022 Operational Risk RAS Issues – Human Error Occurrence, Fraud Behavior, Standard Approach Operational RWA Trial, Safeguarding Cash during Eid Holidays, Potential Risks of Cash Management at CRO Digital Risk Material Implementation of Digital Risk in Q1-2021 Risk Appetite Statement (RAS) BRIMO and BRISPOT Q1 2022 Fraud Skimming 2022 Risk Issue - MS Card + CHIP Card Transactions at EDC that do not support NSICCS Enhancement & Optimization – Fraud Detection System (FDS) Application Risk Profile Incidence Data for Q1 2022 Third Party Risk Issue Implementation of Digital Risk Tools
3	July 18, 2022	Enterprise Risk material Bank Health Level Mandatory Report – RAS Monitoring, Monitoring Trigger Level Recovery Plan, Capital Analysis, Stress Test Material Market & Liquidity Risk Market Risk – Proposed Changes to FVOCI Unrealized Loss RAS on Capital, Interest Rate Market Risk Stress Testing, Interest Rate Risk in The Banking Book Liquidity Risk – Proposed Changes to Limits & Calculation Methods for SR, LCR, NSFR, Liquidity Risk Stress Test Credit Product & Policy Material Evaluation of the Use of PDWK Material Operations Risk RAS and Q2 2022 Operational Risk Profile Issues – Fraud with Invalid Data/Document Mode, Highlight Social Engineering Digital Risk Material Fraud – Skimming Top 5 Risk Issuers
4	August 11, 2022	Enterprise Risk material Monitoring Risk Appetite Statement for July 2022 Monitoring Trigger Levels Credit Portfolio Risk Material Update BAU Portfolio Risk Issue: Progress of Follow-up to Reduce Suspect Evergreen July 2022 Operational & Digital Risk material Organizational Structure Update: Digital Risk Div. & Fraud Mgmt. Desk Development of Fraud S1-2022
5	September 22, 2022	Enterprise Risk material Monitoring Risk Appetite Statement August 2022 Monitoring Trigger Levels Market Risk material Projections of movements in interest rates and securities Stress Test – Market Risk of Interest Rate, Exchange Rate, 1Y Equivalent Gap increases IRRBB – August 2022 Material Liquidity Risk Liquidity Stress Testing – August 2022 LCR Managing Liquidity Risk Credit Portfolio Risk Material Update BAU Portfolio Risk Issue: Unflag Quality (Release Restru) as of August 2022 Risk Issue: Quality Out Evergreen Risk Issue: September 2022 NPL Prognosis Credit Risk Policy Material Evaluation of the Effectiveness of Using PDWK KK Regional Office-KCK Semester 1 ‘22
6	October 14, 2022	Enterprise Risk material BRI Risk Profile Quarter III 2022 Mandatory Report – Monitoring Risk Appetite Statement, Monitoring Trigger Level, Capital Analysis, Stress Test Credit Portfolio Risk Material Update BAU Portfolio Risk Issue: Unflag Quality Update Risk Issue: Out Evergreen Quality Update Risk Issue: FY22 NPL Projection Material Market & Liquidity Risk Market Risk – FVOCI mtm update, Market Risk Stress Test, Interest Rate Risk in The Banking Book Liquidity Risk - LCR, NSFR, Liquidity Risk Stress Test, Monthly Average SR Rupiah to DPK, Contingency Funding Plan
7	November 21, 2022	Enterprise Risk material Monitoring Risk Appetite Statement October 2022 Proposed Risk Appetite Statement Parameters for 2023 Monitoring Trigger Levels Monitoring Liquidity Conditions – CFP Market Risk material Market Stress Test – Interest Rate Market Risk, Exchange Rate, Interest Rate Risk in The Banking Book, Equivalent Gap 1Y Material Liquidity Risk LCR NSFR Stress Testing – Liquidity Risk October 2022 Credit Portfolio Risk Material Update BAU Portfolio Risk Issue: Write Off and Recovery Risk Issue: Progress of Credit Quality Improvement in the SME Segment Credit Risk Policy Material Monitoring Insurance Claims (KUR) Digital Risk Material Risk Profile of 33 Critical Applications Digital Risk Profile Parameters Q3 2022 Top Risk Issues Third Party Risk Management Escort of Subsidiaries
8	December 19, 2022	Enterprise Risk material Monitoring Risk Appetite Statement November 2022 Monitoring Trigger Levels BRI KMR Change Review 2022 Market Risk material Market Stress Test – Interest Rate Market Risk, Exchange Rate, Interest Rate Risk in The Banking Book Material Liquidity Risk LCR NSFR Stress Testing – Liquidity Risk November 2022 Proposed Liquidity Early Warning Indicators (EWI) Parameters Credit Portfolio Risk Material BAU Portfolio Update Risk Issue: 2022 Credit Quality Projection Risk Issue: Micro KUR Saturation Update

In 2022, the Risk Management and ESG Committee in the field of Integrated Risk Management was held 2 times with the following explanation:

No	Date	Meeting agenda	Meetings
1	February 11, 2022	Subsidiaries’ Risk Appetite Statement (RAS) decision for 2022 Mandatory Reporting – Risk Profile, Consolidated BRI Liquidity Analysis, Integrated KPMM Ratio, BRI Financial Conglomerate Stress Test per Entity Key Risk Issues of Subsidiaries BRI Group IT Synergy
2	August 18, 2022	Integrated MR Implementation Strengthening Risk Appetite, Risk Profile & Key Risk Issue of Subsidiaries Mandatory Report – Consolidated BRI Liquidity Analysis, Integrated KPMM Ratio, BRI Financial Conglomerate Stress Test

Environmental, Social & Governance (ESG) Committee

The Environmental, Social & Governance (ESG) Committee is the Committee responsible for the preparation, implementation, monitoring and evaluation of ESG strategies, policies, programs/ initiatives.

Duties and Responsibilities of the Environmental, Social & Governance (ESG) Committee

1. Reviewing and evaluating the implementation of policies or governance parameters for the ESG and TJSL initiatives prepared by the relevant Work Units which were then proposed by the Committee Support Team.
2. Determining and recommending work programs (both existing and new) to be categorized as ESG initiatives and CSR initiatives in accordance with existing parameters to the ESG Committee and circular approvals.
3. Conducting reviews and evaluations related to the implementation of work programs included in the parameters of the ESG initiative and the TJSL initiative as well as reporting data and information related to ESG.
4. Reviewing reports on ESG Rating, Investor concerns or other Third Parties on the performance and implementation of BRI’s ESG and TJSL.
5. Recommending material issues obtained from the review of the ESG Rating report, Investor concerns or other Third Parties regarding the performance and implementation of BRI’s ESG and TJSL. Corporate Governance
6. Establishing a follow-up plan on the results of the review and evaluation which could then be proposed into a new work program which would then be followed up by the relevant Work Unit.
7. Providing up-to-date information to the Board of Directors and the Board of Commissioners regarding all evolving issues related to ESG and CSR, including laws and regulations, global initiatives, business practices, as well as other important information related to ESG and CSR

Membership Structure of Environmental, Social & Governance (ESG) Committee

Membership Structures	Position	Voting Rights	Membership Structure
President Director	Chairman	√
Vice President Director	Substitute Chairman (Concurrently Permanent Member)	√
Desk Head, Environmental, Social & Governance or ESG Management Work Unit	Secretary (Concurrently Permanent Member)	-
Risk Management Director	Permanent member	√
Finance Director	Permanent member	√
SEVP Change Management & Transformation Office	Permanent member	√
All Directors or SEVPs of Related Fields	Non-Permanent member	√
Compliance Director	Permanent member	-

Meeting and Implementation of the Tasks of the Environmental, Social & Governance (ESG) Committee in 2022

Meeting Policy

1. Committee Support Team prepared the study and analysis according to their respective scopes. ESG Sector Committee meetings were held periodically at least 1 (one) time every 6 (six) months.
2. The ESG Sector Committee meeting might be held outside the regular schedule if there were important and urgent issues, including:
   1. There was a significant change in BRl’s ESG Rating which could be caused by changes in business conditions, macroeconomic factors, violations of ESG compliance and policies/governance, or other contributing factors.
   2. There had been a change in Regulation related to ESG which required a quick and immediate response or attitude from the Company.
   3. There were factors causing the Board of Directors to decide to hold an ESG Committee Meeting.
3. The ESG Sector Committee meeting was chaired by the Committee Chair. In the event that the Chairman of the Committee was unable to attend, the meeting should be chaired by the Substitute Chairperson as regulated in Article 2 of this Decree.
4. ESG Committee Meetings could be held if attended by at least 2/3 (two thirds) of the Committee Members and attended by the Committee Chairman.

The decisions of the ESG Sector Committee meeting were taken by deliberation and consensus. In the event that no agreement was reached, the decision of the ESG Sector Committee meeting was considered valid with the approval of 50% (fifty percent) of the total number of Committee Members with voting rights plus 1 (one) Committee Member including the Committee Chairman.

Meeting Realization and Implementation of environmental, Social & Governance (ESG) Committee Tasks in 2022 Realisasi Rapat dan Pelaksanaan Tugas Environmental, Social & Governance (ESG) Committee tahun 2022

During 2022, the ESG Committee carried out its duties by holding 2 (two) meetings. The discussion of the ESG Committee meeting was as follows.

No	Date	Meeting agenda	Meetings
1	June 22, 2022	Proposed plans to prepare BRI’s net zero emission targets in accordance with international standards Science-Based Target initiatives (SBTi). Proposed Quick Win Initiatives in order to reduce BRI’s carbon emissions. 8 Proposed eco-friendly initiatives As part of BRI Social and Environmental Responsibility Implementation.
2	December 19, 2022	BRI’s ESG Strategy Overview and Update. Proposed submission of data and environmental disclosure in BRI’s 2022 Sustainability Report. Proposed submission of social governance data in BRI’s 2022 Sustainability Report and the Signatory to the UN Global Compact.

The Credit Committee is an operational committee assisting the Board of Directors to evaluate and/or resolve credit applications for certain amount and/or types of loans as determined by the Board of Directors.

Credit Committee Charter

In carrying out its duties, the Credit Committee refers to the Decree of the NOKEP Directors: 851-DIR/KRD/12/2020 concerning the Credit Committee which regulates the Organization, Duties, Authorities and Responsibilities and Work Procedures.

Duties and Responsibilities of the Credit Committee

1. Giving approval or rejection of credit in accordance with the limit of authority set by the Board of Directors, including the determination/ change of credit structure.
2. Carry out duties in granting credit decisions based on professional skills in an honest, objective, careful and thorough manner.
3. Refuse requests and or the influence of interested parties to provide credit which is only a formality or outside the principles of sound credit.
4. Put a signature on the Credit Decision form (or other media determined by the Board of Directors and function as a credit decision) as evidence of granting credit decisions and as a form of responsibility of the Credit Committee.

Membership Structure of Credit Committee

1. According to the type of authority, the Credit Committee was divided into:
   1. Non-Restructuring Credit Committee, namely the credit committee having the authority to decide on new credit initiatives, extensions, supplements, changes in terms, and other credit decisions not in the context of restructuring; and
   2. Restructuring Credit Committee, namely the credit committee having the authority to decide on credit initiatives in the context of restructuring performing loans and non-performing loans, credit settlements, write-offs of loans, write-offs.
2. Each credit committee consisted of a range of Risk functions and Business functions.
3. The structure and members of the credit committee were in accordance with the applicable SE PDWK (Delegation of Credit Authority).
4. Each of the credit committees was located at the Head Office, Regional Offices, Special Branch Offices, and Overseas Work Units (UKLN).

The structure of the members of the Credit Committee is as follows.

Membership Structure	Position	Function	Voting Rights	Membership Structure
President Director	Permanent member	Risk	√
Vice President Director	Permanent member	Risk	√
Director of Risk Management	Permanent member	Risk	√
Direktur Keuangan	Permanent member	Risk	√
Direktur Digital dan Teknologi Informasi	Permanent member	Risk	√
Direktur Human Capital	Permanent member	Risk	√
SEVP Change Management & Transformation Office	Permanent member	Risk	√
SEVP Manajemen Aktiva Tetap & Pengadaan	Permanent member	Risk	√
SEVP Operations	Permanent member	Risk	√
Direktur Bisnis Wholesale dan Kelembagaan	Permanent member	Risk	√
Direktur Bisnis Mikro	Permanent member	Risk	√
Direktur Bisnis Kecil dan Menengah	Permanent member	Risk	√
Direktur Bisnis Konsumer	Permanent member	Risk	√
Direktur Jaringan dan Layanan	Permanent member	Risk	√
SEVP Corporate Business	Permanent member	Risk	√
SEVP Treasury & Global Services Business	Permanent member	Risk	√

Credit Committee Independence Statement

All members of the Credit Committee have no affiliation with Other Directors, Commissioners or Controlling Shareholders, are not shareholders of the Company which can affect their ability to act independently, Commissioners, Directors or employees of companies that have affiliation or business with BRI.

Meeting and Implementation of the Duty of the Credit Committee in 2022

Meeting Policy

1. Committee meetings were valid if attended by at least members of the Credit Committee in accordance with the composition of the Credit Committee in the PDWK (Delegation of Credit Authority) provisions, both in terms of the number and composition of the Risk and Business functions as well as members of the Credit Committee who were mandatory to attend.
2. Credit Committee Meetings could be held physically, or by means of conferences via electronic media as agreed by each participating member of the Credit Committee.
3. The Secretary of the Credit Committee was responsible for coordinating the activities of the Credit Committee Meeting (RKK) such as the time and place of implementation including documenting/compiling the Credit Committee Meeting (RKK) Minutes and providing the Credit Committee Meeting (RKK) Minutes.

Realization of Credit Committee Meetings and Duties Implementation in 2022

During 2022, the Credit Committee has carried out its duties by holding 52 (fifty two) meetings with 224 (two hundred and twenty four) credit decisions with the following details:

Month	Date	Implementation of RKK (times)	Number of Decisions	Agenda	Quorum Attendance & Judgment	Meetings and Duties Implementation
January	11, 18, 31	3	20	Discussion and awarding of credit decisions for the corporate segment	Quorum
February	7, 15	2	2	Discussion and awarding of credit decisions for the corporate segment	Quorum
March	2, 8, 15, 29	4	21	Discussion and awarding of credit decisions for the corporate segment	Quorum
April	5, 12, 19, 27, 28	5	10	Discussion and awarding of credit decisions for the corporate segment	Quorum
May	13, 19, 30, 31	4	17	Discussion and awarding of credit decisions for the corporate segment	Quorum
June	7, 14, 21, 28	4	10	Discussion and awarding of credit decisions for the corporate segment	Quorum
July	5, 12, 26	3	17	Discussion and awarding of credit decisions for the corporate segment	Quorum
August	8, 15, 22, 26, 30	5	35	Discussion and awarding of credit decisions for the corporate segment	Quorum
September	5, 13, 20, 28, 29	5	17	Discussion and awarding of credit decisions for the corporate segment	Quorum
October	4, 11, 19, 25, 31	5	22	Discussion and awarding of credit decisions for the corporate segment	Quorum
November	2, 15, 29, 30	4	23	Discussion and awarding of credit decisions for the corporate segment	Quorum
December	7, 8, 14, 16, 20, 21, 27,29	8	30	Discussion and awarding of credit decisions for the corporate segment	Quorum
Total	-	52	224	-	-

The Capital & Investment Committee is a committee that is responsible for corporate action activities and the management of subsidiary companies.

Duties and Responsibilities of the Capital & Investment Committee

The duties and responsibilities of the Capital & Investment Committee, based on Article 4 of the Decree of the Board of Directors Nokep: 871 -DIR/PPM/06/2022 dated 2 June 2022 concerning the Capital & Investment Committee are as follows:

1. Related to Corporate Actions:
   1. Review the Corporate Actions proposed by the Committee Support Team.
   2. Determine and recommend corporate steps for further approval from the President Director/Deputy Main Director either through a Board of Directors meeting or circular approval.
2. Regarding Subsidiary Management:
   1. Establish a business plan and work plan and company budget (RKAP) of Subsidiaries, including Key Performance Indicators and dividend plans of Subsidiaries;
   2. Conduct performance reviews and determine performance improvement steps with the Subsidiary’s Board of Directors;
   3. Evaluate and recommend Corporate Actions of BRI Subsidiaries (Initial Public Offerings, limited public offerings, acquisitions, mergers, additional capital and divestment plans) for further approval to the President Director / Deputy Main Director either through a Board of Directors Meeting or circular approval.
   4. Make a decision in the event of a deadlock on strategic synergy initiatives between Subsidiaries and BRI.

Capital & Investment Committee Membership Structure

Membership Structure	Position	Voting Rights	Membership Structure
Director of Finance	Chairman	√
Director of Risk Management	Substitute Head (Also a permanent member)	√
Division Head, Subsidiary Management	Secretary (Also a permanent member)	-
Subsidiaries Business Director or SEVP	Permanent Member	√
Related Director or SEVP	Non-Permanent Members	√
Compliance Director	Permanent Member	-

Independence Statement of Capital & Investment Committee

All committee members have no affiliation with Other Directors, Commissioners or Controlling Shareholders, are not shareholders of the Company which may affect their ability to act independently, Commissioners, Directors or employees of companies that have affiliation or business with BRI.

Meeting and Implementation of the Tasks of the Capital & Investment Committee in 2022

Meeting Policy

1. The Committee Supporting Team prepares the study and analysis in accordance with their respective scope.
2. The study results shall be presented in the Committee meeting by the Committee members and/or members of Supporting Team and/or representatives of Subsidiaries in accordance with each scope.
3. The Committee shall convene at least one meeting quarterly to discuss proposals, reviews and analysis from the Committee Supporting Team.
4. The Meeting is quorum when attended by at least 50% of all Committee members and attended by the Committee Chairman.
5. The Committee meeting is led by the Chairman. If the Chairman is unable to attend, then the Committee meeting shall be chaired by the alternate Director as stipulated.
6. The Committee Chairman leads the Capital & Investment Committee Meeting and has the voting rights.
7. The Committee Secretary is responsible for coordinating the implementation of the Capital & Investment Committee Meetings, among others:
   1. Prepare agenda, schedule and meeting place.
   2. Prepare Minutes of Meeting.
   3. Monitor the implementation of meeting decisions.
8. The recommendations and/or decisions of the Committee are determined by deliberation and consensus by the Chairman and all members of the Committee. In the event that an agreement is not reached, the recommendation and/or decision of the Committee Meeting is considered valid if it is approved by 50% (fifty percent) of the total number of Committee Members who have voting rights + 1 (one) Committee Member including the Chairman of the Committee.
9. The attendance of the President Director and/or Vice President Director aims to add Permanent Member with voting rights.

Realization of Meetings and Implementation of Duties of the Capital & Investment Committee in 2022

During 2022, the Capital & Investment Committee carried out its duties by holding 22 (twenty two) meetings with the following details.

No	Date	Meeting agenda	Meetings
1	February 16, 2022	BRI Group Performance Assessment, Determination of BRI Subsidiary Tantiem for 2021 and Performance Assessment of Individual BRI Assignment Workers Echelon 1 and 2
2	February 22, 2022	Performance Review of Bank Raya Q4 2021
3	March 10, 2022	BRI Life Performance Review Q4 2021
4	March 11, 2022	BRI Danareksa Sekuritas Performance Review for 2021
5	March 20, 2022	Performance Review of BRI Insurance Q4 2021
6	June 2, 2022	Performance Review Q1 2022 and Revision of Bank Raya Business Plan 2022 - 2024
7	June 2, 2022	Q1 2022 Performance Review and BRI Finance Revised Business Plan 2022 – 2024
8	June 2, 2022	Presentation of Q1 2022 Performance and Proposed 2022 Revised Work and Budget Plan BRI Ventures
9	June 10, 2022	Q1 Performance Review and Revision of BRI Danareksa Sekuritas for 2022 – 2024
10	June 10, 2022	Q1 2022 Performance Review and BRI Insurance Business Revision 2022 – 2024
11	June 16, 2022	Performance Review Q1 2022 & Revisi Bisnis BRI Insurance 2022 – 2024
12	June 29, 2022	Additional BRI Ventures Capital
13	July 28, 2022	Bank Raya Performance Review Q2 2022
14	July 28, 2022	BRI Ventures Q2 Performance Review 2022
15	August 11, 2022	BRI Danareksa Sekuritas Performance Review for Q2 2022 Performance
16	August 11, 2022	BRI Life Performance Review Q2 2022
17	October 26, 2022	Performance Review Q3 2022 and Bank Raya Business Plan 2023 - 2025
18	October 26, 2022	Q3 2022 Performance Review and BRI Finance Business Plan 2023 - 2025
19	November 2, 2022	Q3 2022 Performance Review and BRI Life Business Plan 2023 – 2027
20	November 2, 2022	Performance review of BRIDS Q3 2022 performance and Proposed RKAP 2022 and RBB 2023 PT BRI Danareksa Sekuritas (BRIDS)
21	November 2, 2022	Q3 2022 Performance Review and BRI Insurance Business Plan 2023 - 2025
22	November 4, 2022	Performance review of BRI’s Q3 2022 performance and Proposed 2022 Company Work and Budget Plan and 2023 New Bank Bussiness BRI Ventures
23	November 30, 2022	Presentation of strategic investment proposals Project Corporate Action

The Credit Policy Committee is a committee at the Head Office that assists the Board of Directors in formulating BRI credit policies and providing suggestions for improvements to credit policies.

Credit Policy Committee Charter

In carrying out its duties the Credit Policy Committee refers to the Decree of the Board of Directors NOKEP: 657-DIR/PPM/10/2021 concerning the Credit Policy Committee (KPP) which regulates the Organization, Delegates and Attendance, Duties, Authorities and Responsibilities and Work Procedures.

Duties and Responsibilities of the Credit Policy Committee

1. Develop materials and meeting agendas and implement the Credit Policy Committee.
2. Prepare a policy review draft that has been discussed with the relevant Division at the Pre-Credit Policy Committee meeting (Pre KKP) to be discussed at the KKP meeting if there are changes or revisions to the Credit Policy Committee.
3. Present the results of identification of problems with the implementation of CDE in order to be able to formulate alternatives and solutions for problem solving.
4. Manage the process of submitting KPB approval submitted to the Board of Directors and Commissioners.
5. Administering the Minutes of the Credit Policy Committee meeting as a report to the Main Director/Deputy Main Director.
6. Prepare and distribute Minutes of Credit Policy Committee meetings no later than one (1) week from the date of the meeting and be responsible for maintaining and storing Credit Policy Committee documents.
7. Follow up the results of Credit Policy Committee meetings which become a credit policy.
8. The duties, authorities and responsibilities of the Credit Policy Committee as stated in Article 3 paragraph 1 are carried out by the Secretary of the Credit Policy Committee together with the relevant divisions.

Membership Structure of the Credit Policy Committee

Membership Structures	Position	Voting Rights	Membership Structure
President Director	Chairman	√
Vice Director	Alternate Chairman (Concurrently as Permanent Member)	√
Division Head, Product Risk Policy atau Unit Kerja yang Mengelola Fungsi Kebijakan Kredit	Secretary (Concurrently as Permanent Member)	-
Director of Risk Management	Permanent Member	√
Director or SEVP according to the related Field/Guidance, adjusting to the committee’s agenda	Non-Permanent Members	√
Compliance Director	Permanent Member	-
SEVP Internal Audit Work Unit	Permanent Member	-
Division Head under the Director of Risk Management related, adjusts to the agenda of the committee	Non-Permanent Members	-
Other Division Heads/Desk Heads, according to the committee agenda	Non-Permanent Members	-

Statement of Independence of the Credit Policy Committee

All members have no affiliation with Other Directors, Commissioners or Controlling Shareholders, are not shareholders of the Company which may affect their ability to act independently, Commissioners, Directors or employees of companies that have affiliations or do business with BRI.

Meetings and Implementation of Duties of Credit Policy Committee in 2022

Meeting Policy

1. Changes or revision to the Bank Credit Policy must be first discussed in the meeting. The Credit Policy Committee shall conduct a final discussion meeting on the draft amendment or revision of the Bank Credit Policy prior to proceeding to obtain the decision of the Board of Directors.
2. The Credit Policy Committee Meeting is held to propose the preparation, amendment, and revision of the Bank credit policy and related to important and urgent issues that require a fast and immediate response from the Company.
3. In the event of urgent problem to be discussed in the Credit Policy Committee, the relevant work unit may propose to the Secretary of the Credit Policy Committee to hold a Credit Policy Committee Meeting.
4. The Credit Policy Committee Meeting is led by President Director as the Committee Chairman. In the event that the Chairman is absent, the meeting is chaired by the Substitute Chairman according to the stipulations.
5. The Credit Policy Committee meeting is valid if attended by at least 2/3 of the Committee members consisting of at least 3 (three) Directors.
6. Any changes to the contents of BRI’s Bank Credit Policy which are not material in nature, it shall be carried out in a circular manner to all the Directors and subsequently presented in writing to all members of the Credit Policy Committee.

Committee Meeting decisions are taken by deliberation and consensus. In the event that no agreement is reached, the decision of the Committee Meeting is considered valid if it is approved by 50% (fifty percent) of the total Committee Members present plus 1 (one) Committee Member.

Realization of the Meeting and Implementation of the Duties of the Credit Policy Committee in 2022

During 2022, the Credit Policy Committee has carried out its duties by holding 3 (three) meetings with the following details.

No	Date	Meeting agenda	Meetings
1	April 18, 2022	Carry out PH budget switching according to the credit segment according to the decision in the Credit Policy Committee forum
2	September 22, 2022	Changes to the CRM concept and other related provisions in the Corporate Business Credit Policy Committee and other related circulars. Transition of CA formation in the CRR Division to the WCR Division with the addition of a Risk Assessor department/function in the WCR dedicated to non-performing loans. Changes in main responsibilities (TJU) / areas of work of workers in the ranks of WCR and ERO.
3	November 21, 2022	Realizing the PH Micro budget according to the decision in the Credit Policy Committee forum.

Information Technology Steering Committee

The Information Technology Steering Committee is the Committee at the Head Office responsible to provide direction and recommendations to the Board of Directors on planning, governance, development and operations of Information Technology.

Information Technology Steering Committee Charter

In carrying out its duties, the Information Technology Steering Committee refers to the Decree of the Board of Directors NOKEP: B.870-DIR/PPM/06/2022 concerning the Information Technology Steering Committee and the Data Governance Committee which regulates the Purpose, Organization, Duties, Authorities and Responsibilities and Work Procedures.

Duties and Responsibilities of the Information Technology Steering Committee

The Information Technology Steering Committee has the following responsibilities:

1. Provide recommendations of IT long term strategy plan that is in line with the Bank Corporate Plan and Business Plan as stated in the IT Strategic Plan of BRI.
2. Formulate core IT policies, standards, and procedures.
3. Ensuring the alignment of the IT strategy plan with other IT projects as approved for implementation.
4. Monitoring and evaluation of IT project development so as to be in line with the set forth Project Charter.
5. Evaluating the IT conformity with the management information system required for Bank operations and business.
6. Monitor the effectiveness of risk management in IT investments so as to optimally contribute to the business goals achievement of BRI.
7. Monitor the performance of IT systems and provide recommendations for improvement efforts.
8. Provide recommendations on IT problems that cannot be solved by the Work Units and IT providers in an effective, efficient and timely manner.
9. Provide recommendations on the adequacy of IT resource allocation.

Membership Structure of Information Technology Steering Committee

Membership Structures	Position	Voting Rights	Membership Structure
Director of Digital Information Technology & Operations	Chairman	√
Director of Human Capital	Subtitute Chairman (Concurrently a permanent member)	√
VP, IT Strategy & Governance	Secretary (Concurrently a permanent member)	-
Director of Risk Management	Permanent member	√
SEVP, Fixed Asset Management & Procurement	Permanent member	√
Division Head, IT Strategy & Governance	Permanent member	√
Division Head, Enterprise Data Management	Permanent member	√
Division Head, Application Management & Operations	Permanent member	√
Division Head, Digital Banking Development	Permanent member	√
Division Head, IT Infrastructure & Operations	Permanent member	√
Division Head, Information Security	Permanent member	√
Division Head, Operational Risk	Permanent member	√
Division Head, Digital Risk	Permanent member	√
Division Head, Distribution Network	Permanent member	√
Division Head, Service & Contact Center	Permanent member	√
Director of Finance	Non-Permanent member	√
Director or SEVP of the proposer	Non-Permanent member	√
Director of Compliance	Permanent member	-

Independence Statement of Information Technology Steering Committee

All committee members have no affiliation with Other Directors, Commissioners or Controlling Shareholders, are not shareholders of the Company which may affect their ability to act independently, Commissioners, Directors or employees of companies that have affiliations or do business with BRI.

Meetings and Implementation of Duties of The Information Technology Steering Committee in 2022

Meeting Policy

1. The Information Technology Steering Committee shall convene the meeting at least twice a year.
2. The Information Technology Steering Committee Meeting shall be at least attended by:
   1. Chairman Committee
   2. Secretary Committee
   3. 2/3 (two thirds) of the Committee Members invited and related to the agenda of the Committee Meeting discussion.
3. In the event that the Committee Chairman is absent, then the Information Technology Steering Committee Meeting is chaired by the Substitute Chairman of the Committee.
4. The Committee Chairman leads the Information Technology Steering Committee Meeting and has voting rights.
5. The coordination of the Information Technology Steering Committee Meeting is the responsibility of the Committee Secretary with duties and responsibilities among others:
   1. Prepare and invite the meetings.
   2. Arrange and present the meetings.
   3. Arrange and distribute Minutes of Meeting to Members of the Information Technology Steering Committee.
   4. Monitor the decisions of the Steering Committee that are followed up by the relevant Work Units.
6. Committee meeting decisions are taken by deliberation and consensus. In the event that no agreement is reached, the decision of the Committee meeting is considered valid if it is approved by 50% (fifty percent) of the total number of Committee Members who have voting rights plus 1 (one) Committee Member including the Chairman of the Committee.
7. Attendance of the President Director and/or Vice President Director is adding Permanent Members with voting right.

Meeting Realization and Implementation of Duties of the Information Technology Steering Committee in 2022

During 2022, the Information Technology Steering Committee carried out its duties by holding 6 (six) meetings, with the following details.

No	Date	Meeting agenda	Meetings
1	January 17, 2022	IT Steering Committee Deployment Project BRIFIRST Income & Expense Management Module
2	February 07, 2022	IT Steering Committee Fast Track IT Resilience (FTIR) 2022
3	February 24, 2022	IT Steering Committee Performance Update DTI Directorate and ITSP 2022-2026 & EAM Preparation Report
4	May 11, 2022	IT Steering Committee Rollout Project BRIFIRST Income & Expense Management Module
5	June 27, 2022	Digital & IT Performance Highlights. Implementation of Barnets P10 server replacement. The impact of the 5G implementation plan on satellite operations
6	November 28, 2022	IT Strategic Plan 2021-2025, Review 2022 BRI Group Digital & IT Synergy Strategy Digital Talent Management

Data Governance Committee

The Data Governance Committee is a forum that provides direction regarding data governance, and provides decisions related to leading issues on data that cannot be resolved at the Data Owners and Data Stewards level as well as at the Data Management Office level.

Data Governance Committee Charter

In carrying out its duties the Data Governance Committee refers to the Decree of the Board of Directors NOKEP: 873-DIR/PPM/2022 concerning the Information Technology Steering Committee and the Data Governance Committee which regulates objectives, organizations, tasks, authorities and Responsibilities and Work Procedures.

Duties and Responsibilities of the Data Governance Committee

The Data Governance Committee has the following responsibilities:

1. Ensuring that the data needs of all BRI stakeholders can be met.
2. Ensuring protection of data as a strategic asset of the Company.
3. Directing the implementation of data policies and standards to uphold a good data governance process framework, and data quality on an enterprise basis.
4. Ensuring that the privacy and confidentiality aspects of Customer and Company data are protected.
5. Ensuring that there is no illegal data access, data manipulation and inappropriate use of data and information.
6. Ensuring that data can be used effectively and bring value to the Company.
7. Direct and decide on solutions to issues escalated to the Committee.

Data Governance Committee Membership Structure

The organization of the Data Governance Committee consists of:

Membership Structures	Position	Voting Rights	Membership Structure
Director of Digital Information Technology & Operations	Chairman	√
Director of Human Capital	Subtitute Chairman (Concurrently a permanent member)	√
VP, Enterprise Data Management	Secretary (Concurrently a permanent member)	-
Director of Finance	Permanent member	√
Director of Network & Service	Permanent member	√
Director of Consumer	Permanent member	√
EVP, Enterprise	Permanent member	√
Directors or SEVP related fields		√
Director of Compliance	Permanent member	-

Declaration of Independence of the Data Governance Committee

All committee members have no affiliation with Other Directors, Commissioners or Controlling Shareholders, are not shareholders of the Company which may affect their ability to act independently, Commissioners, Directors or employees of companies that have affiliations or do business with BRI.

Meetings and Implementation of Duties of the Data Governance Committee in 2022

Meeting Policy

1. The Information Technology Steering Committee and Data Governance Committee hold periodic meetings at least 2 (two) times per year.
2. Meetings of the Information Technology Steering Committee and Data Governance Committee are attended by at least:
   1. Committee Chairman
   2. Committee Secretary
   3. 2/3 (two thirds) of the Committee Members invited and related to the Committee Meeting discussion agenda
3. In the event that the Chairperson of the Committee is absent, the Information Technology Steering Committee Meeting will be chaired by the Chairperson of the Alternate Committee
4. The Committee Chairman presides over the Information Technology Steering Committee and Data Governance Committee meetings and has voting rights
5. Coordinating the holding of Information Technology Steering Committee and Data Governance Committee meetings is the responsibility of the Committee Secretary with duties and responsibilities including:
   1. Prepare and invite meetings.
   2. Develop and present meeting materials.
   3. Prepare and distribute Minutes of Meetings to Members of the Information Technology Steering Committee.
   4. Monitoring the decisions of the Steering Committee which are followed up in the related Work Units.
6. Committee meeting decisions are taken by deliberation and consensus. In the event that no agreement is reached, the decision of the Committee meeting is considered valid if it is approved by 50% (fifty percent) of the number of Committee Members who have voting rights plus 1 (one) Committee Member including the Chair of the Committee.
7. The presence of the Main Director and/or Deputy Main Director adds Permanent Members with voting rights.

Realization and Implementation Meeting of the Data Governance Committee’s Duties in 2022

During 2022, the Data Governance Committee has carried out its duties by holding meetings ... times, with the following details

No	Date	Meeting agenda	Meetings
1	21 September 2022	Update Domain Data Finance Stewardship Matrix Decision regarding the write-off of CIF audit findings that do not have an account

The Committee for the Procurement of Goods and Services is a committee at the Head Office which has the duty and authority to evaluate and make decisions on applications for the results of a procurement with a certain value.

Goods and Services Procurement Committee Charter

In carrying out its duties the Goods and Services Procurement Committee refers to the Decree of the Directors NOKEP: 656-DIR/ PPM/10/2021 concerning the Goods and Services Procurement Committee which regulates Organization, Duties, Authorities and Responsibilities and Work Procedures.

Duties and Responsibilities of the Goods and Services Procurement Committee

1. Implementing procurement decisions in a professional, honest, responsible, objective, accountable and thorough manner.
2. Avoid conflicts of interest in granting procurement approvals.
3. Evaluate, provide input on the proposed procurement.
4. Provideing a decision to approve or reject the procurement within the limits of its authority in the event that it is held through a Committee meeting.
5. Provide procurement decisions, through:
   1. Minutes of Board of Directors Meetings, or
   2. Procurement Committee Meeting Minutes, or
   3. Circular Service Note.

Membership Structure of the Goods & Services Procurement Committee

Procurement Committee I (procurement value > Rp. 200 billion)

Membership Structures¹	Position	Voting Rights	Membership Structure
Vice President Director	Chairman	√
Division Head, Procurement & Logistics Operation or Procurement Function Management Unit	Secretary	-
Director of Finance	Permanent member	√
Risk Management Director	Permanent member	√
Director/SEVP User²	Permanent member	√
SEVP AT Management and Procurement	Permanent member	√
Compliance Director	Permanent member	-
Related Director/SEVP³	Non-Permanent Member	√

Procurement Committee II (procurement value > Rp. 100 billion to Rp. 200 billion)

Membership Structures¹	Position	Voting Rights	Membership Structure
Vice President Director	Chairman	√
Division Head, Procurement & Logistics Operation or Procurement Function Management Unit	Secretary	-
Director of Finance	Permanent member	√
Director of Risk Management	Permanent member	√
Director/SEVP User²	Permanent member	√
SEVP AT Management and Procurement	Permanent member	√
Related Director/SEVP³	Non-Permanent Member	√

Procurement Committee III (procurement value > IDR 30 billion to IDR 100 billion)

Membership Structures¹	Position	Voting Rights	Membership Structure
SEVP Fixed Asset Management and Procurement	Chairman	√
Division Head, Procurement & Logistics Operation or Procurement Function Management Unit	Secretary	-
Director of Risk Management	Permanent member	√
Director/SEVP User²	Permanent member	√
Related Director/SEVP³	Non-Permanent Member	√

Procurement Committee IV (procurement value > IDR 7.5 billion up to IDR 30 billion)

Membership Structures¹	Position	Voting Rights	Membership Structure
SEVP Fixed Asset Management and Procurement	Chairman	√
Division Head, Procurement & Logistics Operation or Procurement Function Management Unit	Secretary	-
Director/SEVP User²	Permanent member	√
Related Director/SEVP³	Non-Permanent Member	√

Keterangan:
¹⁾ In his own position or as a substitute official
²⁾ In the event that the Director of Compliance or SEVP in charge of Internal Audit acts as a User, the official authorized to give approval is the Director of Risk Management.
³⁾ Director or SEVP of the related Work Unit / Supervisor according to the type of procurement object.

Independence Statement of the Goods & Services Procurement Committee

All committee members have no affiliation with Other Directors, Commissioners or Controlling Shareholders, are not shareholders of the Company which may affect their ability to act independently, Commissioners, Directors or employees of companies that have affiliation or business with BRI.

Meetings and Implementation of Duties of the Goods & Services Committee in 2022

Meeting Policy

1. Procurement Committee decisions are taken in the Procurement Committee meeting. Procurement Committee meetings are held at the Head Office or other places with the relevant Procurement Work Unit facilitators.
2. The decision of the Procurement Committee is taken unanimously and is considered approved if all Committee Members with voting rights who are present or who represent agree.
3. In the event that a Procurement Committee Member is absent, the duties and authorities of the said Procurement Committee Member shall be replaced by a Alternate Director or SEVP in accordance with the Decree of the Alternate Director. Alternate Director or SEVP can act in the Committee in two capacities, namely as Alternate Officer and in his capacity as a Member of the Goods and Services Procurement Committee.
4. In the event that the Procurement Committee meeting cannot be held, the Procurement Committee may make a decision through a Circular Service Note with the approval of the Committee Chair and other Committee Members.
5. In the event that the procurement of goods and services has been decided by the Board of Directors through a Board of Directors meeting, then the said decision is equated with the decision of the Goods and Services Procurement Committee as evidenced by the minutes of the Board of Directors meeting.
6. The duties and responsibilities of the facilitator for Procurement Committee meetings are carried out by the Secretary of the Procurement Committee, among others:
   1. Coordinating the preparation of Committee meeting materials.
   2. Prepare meeting agendas, schedules and meeting venues.
   3. Carry out the function of correspondence, copying documents, and the function of archiving the Committee’s documents.
   4. Making Minutes of Meetings and Minutes of Goods and Services Procurement Committee.
   5. Distributing Committee decisions to be followed up by related Work Units.

Realization of Meetings and Implementation of the Tasks of the Procurement of Goods and Services Committee in 2022

Procurement Committee Name	Procurement Value (Rp,-)	Amount of Procurement	Realization of Meetings and Implementation of the Tasks
Procurement Committee I	1,736,675,428,190	5
Procurement Committee II	856,563,810,781	6
Procurement Committee III	2,339,252,011,793	45
Procurement Committee IV	2,244,691,778,284	150

The Human Capital Committee is a Committee at the Head Office that has the authority to set strategic and operational policies in the field of Human Capital and aims to increase effectiveness, efficiency and transparency in decision-making in human capital management and improve the quality of human capital management based on the principles of Good Corporate Governance.

Organization of the Human Capital Committee of PT Bank Rakyat Indonesia (Persero) Tbk. consist of:

1. Bidang Kebijakan Human Capital
2. Field of Human Capital Planning & Policy
3. Field of Talent
4. Field of Performance Management
5. Field of Ethics & Discipline
6. Field of Job Evaluation

Human Capital Committee Charter

In carrying out its duties the Human Capital Committee refered to the Decree of the Board of Directors NOKEP: B.873-DIR/ PPM/06/2022 concerning the Human Capital Committee which regulates objectives, organization, scope and work procedures.

Independence Statement of the Human Capital Committee

All committee members have no affiliation with Other Directors, Commissioners or Controlling Shareholders, are not shareholders of the Company which may affect their ability to act independently, Commissioners, Directors or employees of companies that have affiliations or do business with BRI.

Meeting Policy

1. Human Capital Committee meetings are chaired by the Committee Chair. In the event that the Committee Chair is absent, the Human Capital Committee Meeting will be chaired by the Alternate Committee Chair.
2. All members of the Human Capital Committee have the same duties and responsibilities.
3. Organizing the Human Capital Committee meetings is the responsibility of the Committee Secretary, which includes among others:
   1. Preparing meeting agendas;
   2. Presenting meeting materials;
   3. Prepare Minutes of Meetings;
   4. Following up and/or forwarding meeting results to the relevant Work Unit as needed.
4. If there is an important and urgent issue that requires a solution and/or attitude from the Human Capital Committee, the relevant Work Unit may propose to the Secretary of the Committee to hold a Human Capital Committee meeting.
5. Meetings meet a quorum if attended by a minimum of 50% (fifty percent) plus 1 (one) of all members of the Committee and must be attended by the Chairman of the Committee or Chair of the Alternate Committee.
6. Decisions of the Human Capital Committee are determined by deliberation and consensus by the Members present. In the event that no agreement is reached, the decision of the Human Capital Committee shall be declared valid and binding if 50% (fifty percent) of the number of Committee Members plus 1 (one) Committee Member casts a vote in agreement with the following provisions:
   1. In the event that the Management or Committee Members have Directors, the Committee Chair or Alternate Committee Chair and Director of Human Capital vote in favor.
   2. In the event that the Management or Committee Members do not have Directors, the Committee Chairman casts an affirmative vote.
7. The approval of the Committee is set forth in a document signed by the Chairman and Members of the Committee present.
8. In the event that the Human Capital Committee meeting cannot be held, the Human Capital Committee may make a decision through a Circular Service Note with the approval of the Committee Chair and other Committee Members.
9. If necessary, the Human Capital Committee may present other related parties as resource persons.
10. The presence of the President Director and/or Deputy Main Director adds Permanent Members with voting rights.

Human Capital Committee For Human Capital Planning & Policy

Duties and Responsibilities of the Human Capital Committee in Human Capital Planning & Policy

1. Determine development strategy priorities, policy directions and improve the quality of BRI’s human capital with reference to the Bank’s Business Plan (RBB) and BRI’s Corporate Plan.
2. Establish strategic policies, career management and corporate culture in the field of human capital.
3. Determine the remuneration for the Board of Commissioners and Directors of Subsidiaries.
4. Determine the planning for the number of Position Formations and the strategy for fulfilling the Position Formations.

Membership Structure of the Human Capital Committee for Human Capital Planning & Policy

Membership Structures	Position	Voting Rights	Membership Structure
President Director	Chairman	√
Vice President Director	Susbtitute Chairman (Concurrently a permanent member)	√
Division Head of Human Capital in charge of Policy	Secretary (Concurrently a permanent member)	√
Director of Human Capital	Permanent Member	√
Directors or SEVP Related fields	Non-permanent members	√
Division Head, function of Human Capital Strategy	Non-permanent members	√
Division Head, Human Capital Development function	Non-permanent members	√
Division Head, Human Capital Business Partner function	Non-permanent members	√
Division Head, Corporate Culture	Non-permanent members	√
Division Head, Learning function	Non-permanent members	√

Meeting and Implementation of Duties of the Human Capital Committee in the Field of Human Capital Planning & Policy for 2022

During 2022, the Human Capital Committee for Human Capital Policy has carried out its duties by discussing issues related to improving the quality of BRI’s human capital, strategic policies, career management and corporate culture. The meeting was held on 4 and 7 February 2022 with the theme of discussing Determination of Work Unit Predicates and Band-1 Employee Performance.

Human Capital Committee For Talent

Duties and Responsibilities of the Human Capital Committee for Talent

1. Determination of employee transfers, including the appointment of management of Subsidiaries and Affiliated Companies.
2. Determination of Talent Clusters, including identification and determination of top talent.
3. Determination of Succession Plan for all positions.
4. Determination of the Talent Pool based on the Worker’s area of expertise.
5. Conducting Talent Reviews.

Membership Structure of the Human Capital Committee for Talent

Talent Field 1 (for BOD-1 Level Employees with Corporate Title Executive Vice President and Senior Vice President)

Membership Structures	Position	Voting Rights	Membership Structure
President Director	Chairman	√
Vice President Director	Susbtitute Chairman (Concurrently a permanent member)	√
Division Head Human Capital Business Partner	Secretary (Concurrently a permanent member)	-
All Directors and SEVP	Permanent member	√

Talent Field 2 (for BOD-2 Position Level Employees with Corporate Title Vice President and Class 1 Branch Manager)

Membership Structures	Position	Voting Rights	Membership Structure
Vice President Director	Chairman	√
Director of Human Capital	Susbtitute Chairman (Concurrently a permanent member)	√
Division Head Human Capital Business Partner	Secretary (Concurrently a permanent member)	-
Director or SEVP of related fields/counselors, conform to the committee agenda	Permanent member	√

Talent Field 3 (for BOD-3 Level Employees with Corporate Title Assistant Vice President and Senior Manager other than Class 1 Branch Manager)

Membership Structures	Position	Voting Rights	Membership Structure
Director of Human Capital	Chairman	√
Division Head Human Capital Business Partner	Secretary (Concurrently a permanent member)	-
Director or SEVP of related fields/counselors, conform to the committee agenda	Permanent member	√

Talent Field 4 (for BOD-4 level employees with Corporate Title Manager)

Membership Structures	Position	Voting Rights	Membership Structure
Division Head, Human Capital Business Partner	Chairman	√
Team Leader, Human Capital Business Partner in charge of Talent Management	Secretary	-
Department Head, Human Capital Business Partner in charge of Talent Management	Permanent member	√

Talent Field 5 (for BOD-3 position level employees with Corporate Title Assistant Manager, Officer, and Assistant in Division/ Regional Office/KCK/Regional Internal Audit Work Units and their Supervision)

Membership Structures	Position	Voting Rights	Membership Structure
Division Head/Regional CEO/Special Branch Head/Regional Audit Head	Chairman	√
Human Capital Business Partner Regional/Head Office	Secretary	-
Department Heads/Regional Heads/Deputy Heads of Special Branches/Deputy Heads of Regional Internal Audit according to related fields/counselors, adjusting to the agenda of the committee	Permanent member	√

Meetings and Duties of the Human Capital Committee for Talents in 2022

Talent Field 1

No	Date	Agenda	Quorum	Meetings and Duties
1	January 31, 2022	Talenta BOD-1	Quorum
2	February 23, 2022	Employee Mutations BOD-1 Level	Quorum
3	March 2, 2022	Employee Mutations BOD-1 Level	Quorum
4	March 7, 2022	Employee Mutations BOD-1 Level	Quorum
5	May 17, 2022	Employee Mutations BOD-1 Level	Quorum
6	July 04, 2022	Employee Mutations BOD-1 Level	Quorum
7	August 08, 2022	Employee Mutations BOD-1 Level	Quorum
8	August 29, 2022	Employee Mutations BOD-1 Level	Quorum
9	September 26, 2022	Employee Mutations BOD-1 Level	Quorum
10	October 19, 2022	Employee Mutations BOD-1 Level	Quorum

Talent Field 2

No	Date	Agenda	Quorum	Meetings and Duties
1	January 20, 2022	Employee Mutations BOD-2 Level	Quorum
2	February 8, 2022	Employee Mutations BOD-2 Level	Quorum
3	February 28, 2022	Employee Mutations BOD-2 Level	Quorum
4	March 7, 2022	Employee Mutations BOD-2 Level	Quorum
5	March 25, 2022	Employee Mutations BOD-2 Level	Quorum
6	April 8, 2022	Employee Mutations BOD-2 Level	Quorum
7	April 21, 2022	Employee Mutations BOD-2 Level	Quorum
8	May 27, 2022	Employee Mutations BOD-2 Level	Quorum
9	June 16, 2022	Employee Mutations BOD-2 Level	Quorum
10	July 27, 2022	Employee Mutations BOD-2 Level	Quorum
11	August 11, 2022	Employee Mutations BOD-2 Level	Quorum
12	September 2, 2022	Employee Mutations BOD-2 Level	Quorum
13	October 24, 2022	Employee Mutations BOD-2 Level	Quorum
14	November 17, 2022	Employee Mutations BOD-2 Level	Quorum

Talent Field 3

No	Date	Agenda	Quorum	Meetings and Duties
1	January 3, 2022	Employee Mutations BOD-3 Level	Quorum
2	February 17, 2022	Employee Mutations BOD-3 Level	Quorum
3	February 25, 2022	Employee Mutations BOD-3 Level	Quorum
4	March 2, 2022	Employee Mutations BOD-3 Level	Quorum
5	March 7, 2022	Employee Mutations BOD-3 Level	Quorum
6	April 14, 2022	Employee Mutations BOD-3 Level	Quorum
7	April 21, 2022	Employee Mutations BOD-3 Level	Quorum
8	May 1, 2022	Employee Mutations BOD-3 Level	Quorum
9	June 14, 2022	Employee Mutations BOD-3 Level	Quorum
10	July 21, 2022	Employee Mutations BOD-3 Level	Quorum
11	March 31, 2022	Employee Mutations BOD-3 Level	Quorum
12	April 6, 2022	Employee Mutations BOD-3 Level	Quorum
13	April 11, 2022	Employee Mutations BOD-3 Level	Quorum
14	April 18, 2022	Employee Mutations BOD-3 Level	Quorum
15	April 22, 2022	Employee Mutations BOD-3 Level	Quorum
16	May 10, 2022	Employee Mutations BOD-3 Level	Quorum
17	May 24, 2022	Employee Mutations BOD-3 Level	Quorum
18	May 31, 2022	Employee Mutations BOD-3 Level	Quorum
19	June 8, 2022	Employee Mutations BOD-3 Level	Quorum
20	June 15, 2022	Employee Mutations BOD-3 Level	Quorum
21	June 21, 2022	Employee Mutations BOD-3 Level	Quorum
22	June 28, 2022	Employee Mutations BOD-3 Level	Quorum
23	July 5, 2022	Employee Mutations BOD-3 Level	Quorum
24	July 11, 2022	Employee Mutations BOD-3 Level	Quorum
25	July 18, 2022	Employee Mutations BOD-3 Level	Quorum
26	July 28, 2022	Employee Mutations BOD-3 Level	Quorum
27	August 9, 2022	Employee Mutations BOD-3 Level	Quorum
28	August 15, 2022	Employee Mutations BOD-3 Level	Quorum
29	August 29, 2022	Employee Mutations BOD-3 Level	Quorum
30	September 5, 2022	Employee Mutations BOD-3 Level	Quorum
31	September 23, 2022	Employee Mutations BOD-3 Level	Quorum
32	October 5, 2022	Employee Mutations BOD-3 Level	Quorum
33	October 13, 2022	Employee Mutations BOD-3 Level	Quorum
34	October 24, 2022	Employee Mutations BOD-3 Level	Quorum
35	October 31, 2022	Employee Mutations BOD-3 Level	Quorum
36	November 9, 2022	Employee Mutations BOD-3 Level	Quorum
37	November 14, 2022	Employee Mutations BOD-3 Level	Quorum
38	November 21, 2022	Employee Mutations BOD-3 Level	Quorum
39	December 6, 2022	Employee Mutations BOD-3 Level	Quorum
40	December 16, 2022	Employee Mutations BOD-3 Level	Quorum
41	December 21, 2022	Employee Mutations BOD-3 Level	Quorum

Human Capital Committee For Performance Management

Duties and Responsibilities of the Human Capital Committee in the Field of Performance Management

1. Establish KPI for Directorates, Level 1 Work Units under BOD (including Regional Offices), Branch Offices, Sub-Branch Offices and BRI Units.
2. Evaluate the performance challenges of work units Level 1 under BOD (including Regional Offices).
3. Evaluate Leader Orientation Level 1 Work Unit Leaders under BOD (including Regional Offices) and Department Heads at Head Office.

Membership Structure of the Human Capital Committee for Performance Management

Performance Challenge Evaluation Sub-Sector 1 (for Regional Office Performance, KCK, Regional Internal Audit, and Division/ Desk).

Membership Structures	Position	Voting Rights	Membership Structure
President Director	Chairman	√
Vice President Director	Susbtitute Chairman (Concurrently a permanent member)	√
Division Head Planning, Budgeting, & Performance Management Division	Secretary (Concurrently a permanent member)	-
Division Head Human Capital Strategy & Policy Division	Secretary (Concurrently a permanent member)	-
All Directors and SEVP	Permanent member	√

Sub-Sector Evaluation of Leadership Orientation 1 (for Leadership orientation of BOD-1 Work Unit Leaders)

Membership Structures	Position	Voting Rights	Membership Structure
President Director	Chairman	√
Vice President Director	Susbtitute Chairman (Concurrently a permanent member)	√
Division Head Planning, Budgeting, & Performance Management Division	Secretary (Concurrently a permanent member)	-
Division Head Human Capital Strategy & Policy Division	Secretary (Concurrently a permanent member)	-
All Directors and SEVP	Permanent member	√

Leadership Orientation 2 Evaluation Sub-Sector (for Department Head leadership orientation at Head Office)

Membership Structures	Position	Voting Rights	Membership Structure
Director or SEVP Field/Coach	Chairman	√
Division Head Planning, Budgeting, & Performance Management Division	Secretary (concurrently as a Permanent Member with Voting Rights)	-
Division Head Human Capital Strategy & Policy Division	Secretary (concurrently as a Permanent Member with Voting Rights)	-
Head of Work Unit (Division/Desk Head, Regional CEO or related project manager)	Permanent member	√

Meetings and Implementation of Duties of the Human Capital Committee in the Field of Performance Management in 2022

No	Date	Meeting Agenda	Meetings
1	February 4, 2022	Evaluation of BOD-1 Work Unit Performance, which includes Regional Office, KCK, KCLN, Division, Desk, Head Office Team, and Regional Internal Audit
2	February 7, 2022	Leadership Orientation 1 Performance Evaluation for determining the performance title of all BOD-1 Officers
3	February 8-11, 2022	Leadership Orientation 2 Performance Evaluation for the performance title of all Corporate Band-2 Officers

Human Capital Committee in the Field of Ethics & Discipline

Duties and Responsibilities of the Human Capital Committee for Ethics and Discipline

Decide cases of Discipline Violations by considering the recommendations given by the Examining Team according to the methods or procedures regulated in the provisions of the applicable Disciplinary Regulations.

Membership Structure of the Human Capital Committee for Ethics and Discipline

Ethics & Discipline Committee 1 for employees at the level of Corporate Band 1 and Corporate Band 2 positions with Corporate Titles: Executive Vice President, Senior Vice President and Vice President.

Membership Structures	Position	Voting Rights	Membership Structure
President Director	Chairman	√
Vice Director	Substitute Head	√
Division Head, Human Capital Business Partner	Secretary	-
Director of Human Capital	Permanent member	√
Compliance Director	Permanent member	√
Related Director or SEVP	Non-Permanent Members	√

Ethics and Discipline 2 Committee for Corporate Band 3 Level Workers with Corporate Title Assistant Vice President and Senior Manager

Membership Structures	Position	Membership Structure
Director of Human Capital	Chairman
Division Head, Human Capital Business Partner or other officials at the same level	Substitute Head
Division Head, Human Capital Business Partner	Secretary
Director/SEVP related fields	Permanent member
Director/SEVP Trustees	Permanent member

Ethics and Discipline Committee 3 for employees at the level of Corporate Band 5 to Corporate Band 7 with Corporate Title Manager, Assistant Manager, Officer and Assistant

Membership Structures	Position	Membership Structure
Division Head Human capital Business Partner, Regional CEO, Head of Special Branch, Regional Audit Head	Chairman
Department Head Human capital Business Partner Division, Department Head Regional Human capital Business Partner or other officials appointed/ in charge of Human capital	Secretary
Related field division head, related regional banking head, regional internal audit representative	Permanent member
Related Division Head of Workers, Regional Operation Head, Department Head of Human Capital Business Partner Division	Permanent member

Meeting and Implementation of Duties of the Human Capital Committee for Ethics and Discipline in 2022

No	Date	Agenda	Meetings and Implementation of Duties
1	20 January 2022	Ethics & Discipline Committee Decision
2	7 February 2022	Ethics & Discipline Committee Decision
3	24 February 2022	Ethics & Discipline Committee Decision
4	4 March 2022	Ethics & Discipline Committee Decision
5	11 March 2022	Ethics & Discipline Committee Decision
6	19 April 2022	Ethics & Discipline Committee Decision
7	13 May 2022	Ethics & Discipline Committee Decision
8	21 June 2022	Ethics & Discipline Committee Decision
9	04 July 2022	Ethics & Discipline Committee Decision
10	18 July 2022	Ethics & Discipline Committee Decision
11	31 August 2022	Ethics & Discipline Committee Decision
12	5 September 2022	Ethics & Discipline Committee Decision
13	6 September 2022	Ethics & Discipline Committee Decision
14	13 September 2022	Ethics & Discipline Committee Decision
15	6 October 2022	Ethics & Discipline Committee Decision
16	31 October 2022	Ethics & Discipline Committee Decision
17	14 December 2022	Ethics & Discipline Committee Decision
18	15 December 2022	Ethics & Discipline Committee Decision

Human Capital Committee For Position Evaluation

Duties and Responsibilities of the Human Capital Committee for Position Evaluation

Reviewing, recommending and/or determining the Position Group.

Membership Structure of the Human Capital Committee for Position Evaluation

Membership Structures	Position	Voting Rights	Membership Structure
Director of Finance	Chairman	√
Director of Human Capital	Substitute Chairman	√
Departement Head, Organization Development, Planning, Budgeting & Performance Management Division	Secretary	-
Director of Risk Management	Permanent member	√
Division Head, Planning, Budgeting & Performance Management	Permanent member	√
Division Head, Human Capital Strategy & Policy	Permanent member	√

Meeting and Implementation of Duties of the Human Capital Committee in the Field of Job Evaluation for 2022

During 2022, the Human Capital Committee for Job Evaluation has evaluated the determination of employee position categories 3 (three) times on April 22, July 14, 2022.

The Product Committee is a committee in head office and has the responsibility to provide decision on the proposed development of new products and services, the development and decision on existing products and services, decision on bundling products and services on the authority of the Director or SEVP of Product Owners, and providing recommendations to the Board of Directors on product and services development strategies.

Product Committee Charter

In carrying out its duties, the Product Committee refers to the Decree of the NOKEP Directors: 213-DIR/CDS/06/2021 concerning the Product Committee which regulates the Organization and Work Procedures.

Duties and Responsibilities of the Product Committee

1. Providing decisions on proposals for developing new products/ services or developing existing products/services, under the authority of the Director/SEVP for Product Owners.
2. Providing decisions on discontinuing products/services that are already running, on the authority of the Director/SEVP for Product Owners.
3. Make decisions on products and/or bundling services, on the authority of the Director/SEVP for Product Owners.
4. Providing input and recommendations to the Board of Directors on product and/or service development strategies.

Structure of Product Committee Membership

Product Committee 1 Wholesale Segment

Membership Structures	Position	Voting Rights	Membership Structure
Vice President Director	Chairman	√
Director of Finance	Substitute Chairman (Concurrently Permanent Member)	√
Division Head, Corporate Development & Strategy	Secretary	-
Direktur Manajemen Risiko	Permanent member	√
Direktur Jaringan & Layanan	Permanent member	√
Direktur Digital & Teknologi Informasi	Permanent member	√
SEVP Operation	Permanent member	√
SEVP Change Management & Transformation Office	Permanent member	√
Director of Institutional Relations and SOE*	Non-Permanent Member	√
SEVP Treasury & Global Services*	Non-Permanent Member	√
SEVP of Corporate Business	Non-Permanent Member	√
Director of Compliance	Permanent member	-
SEVP of the Internal Audit Unit	Permanent member	-

Keterangan:
* There are cross-segment products

Product Committee 1 Non Wholesale Segment

Membership Structures	Position	Voting Rights	Membership Structure
Vice President Director	Chairman	√
Director of Finance	Substitute Chairman (Concurrently Permanent Member)	√
Division Head, Corporate Development & Strategy	Secretary	-
Director of Risk Management	Permanent member	√
Director of Network & Services	Permanent member	√
Director of Digital & Information Technology	Permanent member	√
SEVP Operation	Permanent member	√
SEVP Change Management & Transformation Office	Permanent member	√
Director of Micro Business*	Sekretaris	√
Director of Consumer	Sekretaris	√
Director of Small and Medium Business*	Sekretaris	√
Director of Compliance	Permanent member	-
SEVP of the Internal Audit Unit	Permanent member	-

Keterangan:
* There are cross-segment products

Product Committee 2 wholesale segment

Membership Structures	Position	Voting Rights	Membership Structure
Director of Finance	Chairman	√
Director of Risk Management	Substitute Chairman (Concurrently Permanent Member)	√
Division Head, Corporate Development & Strategy	Secretary	-
Director of Institutional & BUMN*	Non-Permanent Member	√
Director of Digital & Information Technology	Non-Permanent Member	√
Director of Network & Service	Non-Permanent Member	√
SEVP of Corporate Business	Non-Permanent Member	√
SEVP Treasury & Global Services	Non-Permanent Member	√
SEVP Operation	Non-Permanent Member	√
SEVP Change Management & Transformation Office	Non-Permanent Member	√
Director of Compliance	Permanent member	-
SEVP of the Internal Audit Unit	Permanent member	-

Keterangan:
* There are cross-segment products

Product Committee 2 non wholesale segments

Membership Structures	Position	Voting Rights	Membership Structure
Director of Finance	Chairman	√
Director of Risk Management	Substitute Chairman (Concurrently Permanent Member)	√
Division Head, Corporate Development & Strategy	Secretary	-
Director of Micro Business	Non-Permanent Member	√
Director of Consumer Business	Non-Permanent Member	√
Small & Medium Business Director*	Non-Permanent Member	√
Director of Network and Service	Non-Permanent Member	√
Director of Digital & Information Technology	Non-Permanent Member	√
SEVP Operation	Non-Permanent Member	√
SEVP Change Management & Transformation Office	Non-Permanent Member	√
Director of Compliance	Permanent member	-
SEVP Internal Audit Unit	Permanent member	-

Keterangan:
* There are cross-segment products

Statement of Product Committee Independence

All members have no affiliation with Other Directors, Commissioners or Controlling Shareholders, are not shareholders of the Company which may affect their ability to act independently, Commissioners, Directors or employees of companies that have affiliations or do business with BRI.

Meetings and Implementation of Duties of Product Committee 2022

Meeting Policy

1. Product Committee meetings are held periodically at least 1 (once) every 6 (six) months or according to business needs and developments.
2. Meetings other than periodic meetings can be held with the following criteria:
   1. There is a significant change in business conditions that requires rapid and immediate product development or product discontinuation.
   2. There is a change in regulations that requires a response in product development or product discontinuation quickly and immediately.
   3. Other factors that caused the Board of Directors to decide to hold a Product Committee Meeting.
3. The Product Committee meeting is chaired by the Product Committee Chair.
4. In the event that a Product Committee Member is absent, the duties and authorities of the Product Committee Member are replaced by a Alternate Director in accordance with the applicable Decree. The Alternate Director has two capacities in the Product Committee, namely as Alternate Director and as a Member of the Product Committee in making decisions.
5. Product Committee meeting can be held if it is attended by the Chair of the Committee and attended by Members with Voting Rights with the following criteria:

   No	Product Committee	Requirements for Attendance	Criteria
   1	Product Committee 1	Minimum 3 (three) Members With Voting Rights
   2	Product Committee 2	Minimum 2 (three) Members With Voting Rights

   Keterangan:
   * Of the Members with Voting Rights present there is at least 1 (one) Director

6. Decisions of the Committee Meetings are taken by deliberation and consensus. In the event that no agreement is reached, the decision of the Committee Meeting is deemed valid with the approval of 50% (fifty percent) of the number of Committee Members with voting rights plus 1 (one) Committee Member including the Committee Chair.
7. Coordination of organizing the Product Committee Meeting is the responsibility of the Committee Secretary.
8. In the event that the Product Committee meeting cannot be held, the Product Committee can make decisions through a Circular Service Note with the approval of the Committee Chair and Other Committee Members. The decision-making process through Circular Service Notes is administered by the Product Committee Secretary.
9. Minutes of the Product Committee meeting are signed by the Secretary of the Product Committee and the Chair of the Product Committee, and submitted to all SEVP Directors and Work Units at BRI Head Office related to the decision of the Product Committee.

Meetings Realization and Duties Implementation of Product Committee Year 2022

No	Date	Meeting agenda	Meetings
1	25 Februari 2022	Update Progress Tindak Lanjut Komite Produk Update Progress BI Fast dan Putusan Bisnis Bank Sponsor Usulan Perluasan Bisnis Lifestyle di Aplikasi BRImo
2	28 April 2022	Update Progress Tindak Lanjut Komite Produk Update Progress Dashboard Digital Porto sebagai Tools Evaluasi Aplikasi BRI Usulan BRITrust Front End System Usulan Contactless Kartu Kredit
3	4 Juli 2022	Update Progress Tindak Lanjut Komite Produk & Performance Sub-Product Pendukung CASA Usulan BRI Kustodian Front End System
4	29 September 2022	Update Progress Tindak Lanjut Komite Produk Usulan KECE 3.0 Usulan Bond Forward
5	3 Oktober 2022	Usulan Integrated Corporate Solution Platform (Qlola)
6	15 Desember 2022	Update/Refreshmenet Product Governance Evaluasi Performance Product Usulan Integrasi Fitur Gadai di BRILink Mobile Usulan Intraday Loan dan Extension Loan Ekosistem PARI