PT Bank Rakyat Indonesia (Persero) Tbk. 2023 Annual Report 7 Management Discussion and Analysis on Bank Performance 139 Number of Employees by Service 139 Shareholder’s Composition 140 The 20 Largest Shareholders’ Composition 141 Composition of Shares Ownership of 5% or More 142 Community Shareholders’ Group Composition Holding Less than 5% of Shares 142 Board of Commissioners’ and Directors’ Shareholding 144 Senior Management Share Ownership 145 Classification of Shareholders 145 Main and Controlling Shareholders 146 List of Subsidiaries, Associated Entities and Joint Venture Companies 154 Company Group Structure 155 Bank Business Group Information 156 Stock Issuance Chronology 160 Chronology of Issuance and/or Listing of Other Securities 165 Information on Using The Services of Public Accounting (AP) and Public Accounting Offices (KAP) 166 Name and Address of Supporting Institutions and/or Professionals 168 Awards and Certifications 183 Information Available on The Website 186 Economic Review 186 Global Economic Review 193 Domestic Economic Analysis 195 Banking Industry Analysis 196 Analysis of BRI’s Position in the Banking Industry 198 Operational Review 198 Bank Strategy 201 Marketing Aspect 201 Marketing Strategy 204 Market Share 205 Operational Review Per Business Segment 206 Operating Segment 264 Geographic Segment 265 National Strategic Projects (PSN) or Other Assignments 267 Financial Review 267 Financial Performance 267 Consolidated Statement of Financial Position 280 Consolidated Statement of Profit or Loss and Other Comprehensive Income 289 Consolidated Statement of Cash Flows 292 Ability to Pay Debt and Collectibility in Receivables 295 Interest Rate 295 Interest Rate On Loan 296 Earning Assets Quality Analysis 300 Strategy for Improving Fee Based Income 300 Capital Structure 301 Information on Capital and Risk Exposure 368 Material Commitments Related to Capital Goods Investment 368 Capital Goods Investment 369 Commitments and Contingencies 369 Significant Agreement 370 Material Information and Facts After The Accountant’s Report Date 370 Details of Problems Arising During the Fiscal Year Which Affected the Business Activities of SOEs 370 Business Prospects and Future Strategies 372 Achievement of Targets and Future Targets 377 Evaluation of Long Term Plan 377 Policy, Announcements and Payment of Dividend 378 Realization of the Use of Public Offering Funds 379 Material Information Regarding Investment, Expansion, Divestment, Acquisition, or Debt and Capital Restructuring 380 Material Transaction Information Containing Conflict of Interest and/or Transactions With Affiliated Parties 387 Changes in Law and Their Impact on Bank 389 Accounting Policy Changes 390 Bank Soundness Level 390 Business Continuous Information 391 Tax Aspect 392 Response to Change in Monetary Policy Direction 393 Prohibitions, Limitations and/ or Significant Obstacles To the Provision of Funds Between Banks and Other Entities in a Business Groups 397 Spot and Derivative Transactions 397 Report on the Use of Additional State Capital Participation
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