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) 375 49. INFORMASI TAMBAHAN(lanjutan) 49. ADDITIONAL INFORMATION (continued) a. Rasio Kewajiban Penyediaan Modal Minimum (CAR) (lanjutan) a. Capital Adequacy Ratio (CAR) (continued) 31 Desember 2024/ 31 Desember 2023/ December 31, 2024 December 31, 2023 Rasio CAR CAR Ratio Rasio CET 1 23,28% 24,06% CET 1 Ratio Rasio Tier 1 23,28% 24,06% Tier 1 Ratio Rasio Tier 2 1,13% 1,17% Tier 2 Ratio Rasio Total 24,41% 25,23% Total Ratio Rasio Minimum Tier 1 6,00% 6,00% Tier 1 Minimum Ratio Rasio Minimum CET 1 4,50% 4,50% CET 1 Minimum Ratio CAR Minimum Berdasarkan Minimum CAR Based Profil Risiko 9,00% 9,00% on Risk Profile *) Risiko Kredit dihitung berdasarkan SE OJK No. 24/SEOJK.03/2021 tanggal 7 Oktober 2021. **) Risiko Pasar posisi 31 Desember 2024 dihitung berdasarkan SE OJK No. 23/SEOJK.03/2022 tanggal 7 Desember 2022, Risiko Pasar posisi 31 Desember 2023 dihitung berdasarkan SE OJK No. 38/SEOJK.03/2016 tanggal 8 September 2016. ***) Risiko Operasional dihitung berdasarkan SE OJK No. 6/SEOJK.03/2020 tanggal 29 April 2020. *) Credit risk is calculated based on SE OJK No. 24/SEOJK.03/2021 dated October 7, 2021. **) As of December 31 2024, Market risk is calculated based on SE OJK No. 23/SEOJK.03/2022 dated December 7, 2022. As of December 31 2023, Market risk is calculated based on SE OJK No. 38/SEOJK.03/2016 dated September 8, 2016. ***) Operational risk is calculated based on SE OJK No. 6/SEOJK.03/2020 dated April 29, 2020. b. Informasi Penting Lainnya Kredit yang Diberikan b. Other Significant Information Loans 1) Informasi mengenai restrukturisasi yang dilakukan BRI dan entitas anak 1) Information regarding restructured loan by BRI and its subsidiaries Tabel berikut merupakan informasi atas kredit yang diberikan yang telah direstrukturisasi BRI berdasarkan jenis dan kolektibilitas: The following table presents information of restructured loan by BRI by type and collectibility, as follows: 31 Desember/December 31, 2024 Dalam Perhatian Kurang Khusus/ Special Lancar/ Diragukan/ Current Mention Substandard Doubtful Macet/Loss Jumlah/Total Jenis Type Modal kerja 29.677.751 26.605.034 1.723.506 2.576.131 5.976.878 66.559.300 Working Capital Investasi 9.734.122 3.880.018 157.900 1.771.994 2.635.766 18.179.800 Investment Konsumsi 2.725.713 1.137.863 93.564 120.167 606.884 4.684.191 Consumer Total 42.137.586 31.622.915 1.974.970 4.468.292 9.219.528 89.423.291 Total 31 Desember/December 31, 2023 Dalam Perhatian Kurang Khusus/ Special Lancar/ Diragukan/ Current Mention Substandard Doubtful Macet/Loss Jumlah/Total Jenis Type Modal kerja 38.140.877 25.384.552 2.162.088 3.450.955 6.513.973 75.652.445 Working Capital Investasi 13.785.578 4.224.454 329.997 837.300 5.635.785 24.813.114 Investment Konsumsi 4.586.499 1.498.244 186.617 275.195 586.650 7.133.205 Consumer Total 56.512.954 31.107.250 2.678.702 4.563.450 12.736.408 107.598.764 Total
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