PT Bank Rakyat Indonesia (Persero) Tbk (OTCPK:BKRKY) Q3 2024 Results Conference Call October 29, 2024 11:00 PM ET

Company Participants

Pak Sunarso – CEO
Pak Catur – Vice-CEO
Ibu Vivi – CFO
Pak Agus Sudiarto – Director of Risk
Pak Supari – Director of Micro
Pak Adrijanto – Director of Networks
Ibu Handayani – Director of Consumer
Pak Amam Sukriyanto – Director of SME
Pak Agus Noorsanto – Director of Corporate
Pak Solichin – Director Compliance
Pak Arga – Director of IT and Digital Banking
Pak Agus Winardono – Director of Human Capital

Conference Call Participants

Selvie Jusman – Morgan Stanley
Ferry Wong – Citi

Unidentified Company Representative

Good morning. We would like to thank you for joining us for Bank Rakyat Indonesia Nine Months 2024 Earnings Call. We’d like to begin the meeting now.

First, I would like to introduce the members of our Board of Directors who are joining us today: our CEO, Pak Sunarso; our Vice-CEO, Pak Catur; our CFO, Ibu Vivi; our Director of Risk, Pak Agus Sudiarto; Director of Micro, Pak Supari; our Director of Networks, Pak Adrijanto; Director of Consumer, Ibu Handayani; Director of SME, Pak Amam Sukriyanto; Director of Corporate, Pak Agus Noorsanto; Director Compliance, Pak Solichin; Director of IT and Digital Banking, Pak Arga; and our Director of Human Capital, Pak Agus Winardono.

I would like to mention a few points before we get started. First, for everyone joining us on the Zoom call, I would strongly encourage you to download a copy of our presentation materials currently available either from the Investor Relations homepage of Bank Rakyat Indonesia or from the link we sent this early morning. Second, as this is a webinar format for Q&A, we will invite you as a speaker to the panel. When called upon, we will ask you to please unmute your microphone, and then