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) 376 49. INFORMASI TAMBAHAN (lanjutan) 49. ADDITIONAL INFORMATION (continued) b. Informasi Penting Lainnya Kredit yang Diberikan (lanjutan) b. Other Significant Information Loans (continued) 2) Dalam laporan Batas Maksimum Pemberian Kredit (BMPK) per tanggal-tanggal 31 Desember 2024 dan 2023 kepada Bank Indonesia No. 7/3/PBI/2005 dan Otoritas Jasa Keuangan (OJK) No. 38/POJK.03/ 2019 tanggal 19 Desember 2019 tentang Perubahan Atas Peraturan Otoritas Jasa Keuangan No. 32/POJK.03/2018 tentang Batas Maksimum Pemberian Kredit dan Penyediaan Dana Besar Bagi Bank Umum, BRI tidak memiliki debitur, baik pihak terkait maupun pihak tidak terkait, yang tidak memenuhi atau melampaui ketentuan BMPK sesuai dengan Peraturan Bank Indonesia dan OJK. 2) In BRI’s report on Legal Lending Limit to Bank Indonesia as of December 31, 2024 and 2023 to Bank Indonesia No. 7/3/PBI/2005 and Financial Services Authority (OJK) No. 38/POJK.03/2019 dated December 19, 2019 concerning the Amendment to the Financial Services Authority Regulation No. 32/POJK.03/2018 on the Legal Lending Limit and Provision of Large Funds for Commercial Banks, BRI has neither related parties nor third party debtors, in accordance with Bank Indonesia regulation and Financial Services Authority (OJK), that does not comply with or exceed the Legal Lending Limit, respectively. 3) Rincian kredit yang mengalami penurunan nilai merupakan kredit yang mengalami penurunan nilai berdasarkan evaluasi secara individual dan kredit dengan kolektibilitas kurang lancar, diragukan dan macet berdasarkan sektor ekonomi, serta cadangan kerugian penurunan nilai adalah sebagai berikut: 3) The details of non-performing collective loans with collectibility of substandard, doubtful and loss and total individual loans, as well as the allowance for impairment losses by economic sector, are as follows: 31 Desember 2024/ 31 Desember 2023/ December 31, 2024 December 31, 2023 Perdagangan, perhotelan dan restoran 17.567.182 18.556.491 Trading, hotels & restaurants Perindustrian 11.172.229 11.151.702 Manufacturing Pertanian 8.935.286 9.587.360 Agricultures Konstruksi 7.100.058 6.755.177 Construction Jasa dunia usaha 6.367.768 6.242.005 Business services Pertambangan 2.305.584 2.314.227 Mining Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 812.853 2.027.334 and communication Listrik, gas dan air 232.994 143.026 Electricity, gas and water Jasa pelayanan sosial 308.463 408.163 Social services Lain-lain 4.884.507 4.662.338 Others Total 59.686.924 61.847.823 Total Dikurangi cadangan kerugian Less allowance for penurunan nilai (42.746.243) (44.549.772) impairment losses Neto 16.940.681 17.298.051 Net
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