The original consolidated financial statements included herein are in the Indonesian language. PT BANK RAKYAT INDONESIA (PERSERO) Tbk DAN ENTITAS ANAKNYA CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tanggal 31 Desember 2024 dan untuk Tahun yang Berakhir pada Tanggal Tersebut (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) PT BANK RAKYAT INDONESIA (PERSERO) Tbk AND ITS SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2024 and for the Year Then Ended (Expressed in millions of Rupiah, unless otherwise stated) 374 49. INFORMASI TAMBAHAN(lanjutan) 49. ADDITIONAL INFORMATION (continued) a. Rasio Kewajiban Penyediaan Modal Minimum (CAR) (lanjutan) a. Capital Adequacy Ratio (CAR) (continued) Berdasarkan POJK No. 34/POJK.03/2016, PBI No. 17/22/PBI/2015 tentang Kewajiban Pembentukan Countercyclical Buffer dan POJK No. 46/POJK.03/2015 tentang Penetapan Systemically Important Bank dan Capital Surcharge, selain kewajiban penyediaan modal minimum sesuai profil risiko, BRI wajib membentuk tambahan modal penyangga (buffer) berupa Capital Conservation Buffer, Countercyclical Buffer dan Capital Surcharge, yang wajib dibentuk secara bertahap mulai tanggal 1 Januari 2016. Based on POJK No. 34/POJK.03/2016, PBI No. 17/22/PBI/2015 regarding the Mandatory Formation of Countercyclical Buffer and POJK No. 46/POJK.03/2015 regarding the Determination of Systemically Important Banks and Capital Surcharges, in addition to the minimum capital requirement in accordance with the risk profile, BRI is required to form additional capital (buffer), in the form of Capital Conservation Buffer, Countercyclical Buffer, and Capital Surcharge, which must be formed gradually since January 1, 2016. Pembentukan modal penyangga (buffer) berupa Capital Conservation Buffer, Countercyclical Buffer dan Capital Surcharge yang wajib dibentuk oleh BRI berdasarkan persentase tertentu dari ATMR adalah masing-masing 2,5%, 0% dan 2,5%. Formation of buffer capital in the form of Capital Conservation Buffer, Countercyclical Buffer and Capital Surcharge that must be formed by BRI based on a certain percentage of risk-weighted assets are 2.5%, 0% and 2.5%, respectively. Berdasarkan profil risiko BRI pada semester I tahun 2024 dan 2023, yaitu low to moderate, maka CAR minimum pada tanggal-tanggal 31 Desember 2024 dan 2023 ditetapkan masingmasing sebesar 9% sampai dengan kurang dari 10%. Based on the BRI’s risk profile as of semester I year 2024 and 2023, which are low to moderate, the minimum CAR as of December 31, 2024 and 2023 is set at 9% up to less than 10%. Pada tanggal-tanggal 31 Desember 2024 dan 2023 BRI telah memenuhi rasio sesuai yang disyaratkan Bank Indonesia dan Otoritas Jasa Keuangan untuk rasio kecukupan modal. As of December 31, 2024 and 2023 BRI has fulfilled the ratio as required by Bank Indonesia (BI) and Financial Service Authority for capital adequacy ratio. CAR BRI (entitas induk) pada tanggal 31 Desember 2024 dan 2023 masing-masing dihitung sebagai berikut: BRI’s CAR (parent entity) as of December 31, 2024 and 2023 are calculated as follows: 31 Desember 2024/ 31 Desember 2023/ December 31, 2024 December 31, 2023 Modal Inti (Tier 1) Core Capital (Tier 1) Modal Inti Utama (CET 1) 241.043.217 238.956.599 Common Equity (CET 1) Modal Pelengkap (Tier 2) 11.725.187 11.612.168 Supplementary Capital (Tier 2) Total Modal 252.768.404 250.568.767 Total Capital Aset Tertimbang Menurut Risiko (ATMR) Risk Weighted Asset (RWA) ATMR untuk Risiko Kredit*) 907.054.632 890.512.335 RWA for Credit Risk*) ATMR untuk Risiko Pasar**) 27.272.654 3.617.404 RWA for Market Risk**) ATMR untuk Risiko Operasional***) 100.903.263 99.021.545 RWA for Operational Risk***) Total RWA 1.035.230.549 993.151.284 Total RWA
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