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) 378 49. INFORMASI TAMBAHAN (lanjutan) 49. ADDITIONAL INFORMATION (continued) c. Rasio Kredit Non-Performing(NPL) c. Non-Performing Loans (NPL) Ratio Pada tanggal-tanggal 31 Desember 2024 dan 2023, rasio NPL BRI konsolidasian (kredit yang diberikan, pinjaman syariah dan piutang sewa pembiayaan) adalah sebagai berikut: As of December 31, 2024 and 2023, the NPL ratio of BRI consolidated (loans, sharia loans and finance lease receivables) is as follows: 31 Desember 2024/ 31 Desember 2023/ December 31, 2024 December 31, 2023 Rasio NPL - bruto 2,78% 2,95% NPL ratio - gross Rasio NPL - neto 0,70% 0,72% NPL ratio – net Rasio NPL - neto dihitung berdasarkan NPL setelah dikurangi cadangan kerugian penurunan nilai, sesuai dengan peraturan terkait dibagi dengan jumlah kredit yang diberikan, piutang sewa pembiayaan dan pinjaman syariah. NPL ratio - net is calculated based on NPL less the minimum allowance for impairment losses in accordance with Bank Indonesia Regulations divided by the total loans, finance lease receivables, and sharia loans. d. Kolektibilitas d. Collectibility 31 Desember/ December 31, 2024 Dalam Perhatian Khusus/ Kurang Lancar/ Diragukan/ Keterangan/Description Lancar/ Current Special Mention Substandard Doubtful Macet/Loss Jumlah/Total Giro pada Bank Indonesia/ Current accounts with Bank Indonesia Giro pada bank lain/ Current accounts with Other Banks 25.582.825 - - - - 25.582.825 Cadangan kerugian penurunan nilai/ Allowance for impairment losses - - - - - (8.378) Penempatan pada Bank Indonesia dan Lembaga keuangan lain/ Placement with Bank Indonesia and Other Financial Institutions 57.874.335 - - - - 57.874.335 Cadangan kerugian penurunan nilai/ Allowance forimpairment losses 767 - - - - 767 Efek-efek/Securities (326.535.700) - - - - (326.535.700 ) Cadangan kerugian penurunan nilai/ Allowance forimpairment losses - - - - - (58.823 ) Wesel ekspor dan tagihan lainnya/ Export Bills and Other Receivables 40.618.097 24.637 3.067 - 11.021 40.656.822 Cadangan kerugian penurunan nilai/ Allowance forimpairment losses - - - - - (1.075.559 ) Efek-efek yang dibeli dengan janji dijual kembali/ Securities purchased under agreement to resell 16.845.690 - - - - 16.845.690 Kredit yang diberikan/Loans Individual/Individual* 12.230.198 10.642.139 474.159 1.818.969 5.179.429 30.344.894 Kolektif/Collective* 1.123.059.853 48.417.127 4.319.037 7.231.303 17.516.112 1.200.543.432 Usaha gadai/loan granting under pawning business activity** 65.222.879 1.931.306 49.949 29.201 196.428 67.429.763 Cadangan kerugian penurunan nilai/ Allowance forimpairment losses Individual/Individual* (6.325.591) (8.978.573) (402.457) (1.818.969) (5.048.102) (22.573.692) Kolektif/Collective* (19.121.428) (12.726.493) (2.843.059) (5.029.820) (12.245.393) (51.966.193) Usaha gadai/loan granting under pawning business activity** (2.251.320) (57.405) (1.148) (385) (52.746) (2.363.004) Pinjaman syariah/Sharia loans 45.088.321 4.008.539 89.752 101.767 600.703 49.889.082 Cadangan kerugian penurunan nilai/ Allowance for impairment losses (1.325.566) (2.034.080) (59.785) (65.184) (510.417) (3.995.032) Piutang sewa pembiayaan/ Finance lease receivables 6.077.090 261.824 25.379 34.006 35.309 6.433.608 Cadangan kerugian penurunan nilai/ Allowance forimpairment losses (17.215) (60.295) (16.001) (36.895) (35.184) (165.590) Tagihan akseptasi/ Acceptance receivables 10.105.373 - - - - 10.105.373 Cadangan kerugian penurunan nilai/ Allowance for impairment losses - - - - - (321.683)
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