#1Aladin Next Generation Digital Sharia Bank - Connected we rise October 2022 Company Presentation#2Disclaimer This presentation material was prepared by PT BANK ALADIN SYARIAH Tbk. ("Company"). Everyone who receives this material or participates in this meeting or discussion hereby agrees not to reproduce in any form and at any time. Any material contained in this material prohibited from unauthorized use or publication. In addition, the information contained in this material may contain forward-looking statements that reflect the Company's current views concerning future events and financial performance. These views are based on estimated figures and actual assumptions that are subject to business, economic and competitive uncertainty and may change from time to time, and in certain cases are beyond the control of the Company and the Board of Directors. No guarantee can be given that future events will occur, projections will be achieved, or that the Company's assumptions will be correct. Actual results may differ materially from those estimated and projected. The financial statements presented are the latest financial statements. This material is not an offer or solicitation for the purchase or sale of any type of financial instrument. Nothing represents or warrants, either expressly or impliedly, concerning the accuracy, completeness, or reliability of the information contained in this material, nor can this material be construed as a complete or summary statement of the growth of the market. This material cannot be used as a basis for consideration for recipients to make purchases or sales of all types of financial instruments. All opinions contained in this material are subject to change at any time without prior notice and may differ or even contradict the opinions of other business fields or business groups of the Company as a result of the use of different assumptions and criteria. Aladin#3Bank Aladin is a listed, licensed digital Sharia bank that serves Indonesia's underbanked / unbanked population Vast and attractive market opportunity for digital banking in Indonesia through offline-to-online ("020") and Sharia ecosystem -77% of Indonesia's adult population remain underbanked / unbanked <30% of SMEs have access to banking services, >75% MSMEs have limited or no access to formal lending sources • Low household lending penetration at -10% of population 020 strategy expect to result in lowest CAC and highest CLTV to acquire, retain and collect financing Aladin Note 1: excluding unbanked population. SOURCES: Global Findex Database, Bank Indonesia, CEIC, World Bank, Trading Economics, Wall Street Research 3 2nd largest banking market in Southeast Asia with a US$600bn¹ TAM in aggregate banking assets Robust mobile and internet penetration at ~65% & 48% respectively >Noticeable shift in customer preference towards Sharia products Aladin#4Massive opportunity for Sharia banking in Indonesia clear from large and increased customer demand and government support Sharia banking is an underserved and underpenetrated segment Addressable market (# of people) Share of Sharia (% of banking asset) Increased consumer appetite for Sharia-compliant products in Indonesia Top 3 factors in considering new bank relationship in Indonesia (1) >200 mn 6% Trust in the institution 2 Sharia compliance 3 Product feature 80+% of retail consumers with high levels of retention using Sharia-based use-cases across travel (Umrah, Hajj), healthcare & donation (zakat) Existing offering of Sharia financial services subpar to conventional banks 0000 Strong growth for Sharia-branded products in other verticals with strong Gov support Food Fashion Beauty Wardah Cosmetic Government HALAL ESI Halal certification is now the "default norm" for F&B shops 1. Customer survey with sample across various age group (18-24, 25-34, 35-54) and income levels (mass, upper-mass, affluent), - based on 922 respondents 4 Hijab is now a fashion trend movement Local halal cosmetic brands competing with international brands Priority on gov agenda through the Sharia econ masterplan Aladin#5Significant business momentum since February 2021 IPO Listed on IDX with ticker "BANK" Announced new senior management key hires Changed name to Bank Aladin Syariah • Receipt of mobile banking license from Bank Indonesia • Nationwide ATM coverage through two major switches Soft launch with focus on Alfamart employees and referrals First Local Bank signed the UNPRB to support Sustainable Finance • • Right Issue I completed with more than IDR 1 Trillion fund raising Launching of Cash Deposit & Withdrawal (Tarsetun) feature with Alfamart Obtained shareholders approval for Private Placement Feb 21 Apr 21 Jun 21 Jul 21 Aug 21 Oct 21 Dec 21 Jan 22 Feb 22 Apr 22 Jun 22 Jul 22 Collaboration Announcements Alfamart halodoc FACEBOOK BPKH Badan Pengelola Keuangan Haji > Google Cloud EVERMS ZA Tech 5 Aladin#6World-class management team brings a wealth of experience in driving Aladin to the forefront of Indonesia digital banking Board of Directors and Chiefs DYOTA Marsudi President Director • Senior Executive Director of Investments • Vertex Ventures (Temasek's VC arm) Management consultant at BCG National Digital Transformation Committee in PPN/BAPPENAS ⚫ MBA - INSEAD, France Bachelor of Economics, Indonesia University WILLY Hambali Chief Strategy and Operating Officer Head of liquidity at GoPay CPO and Project Director at OVO Senior managing consultant at MasterCard Advisors Associate at Kearney Cornell University, USA FIRDILA Sari Digital Banking Director • Head of Product at OVO Head of Mobile Products at Commonwealth Bank Product Manager at HSBC • Bachelor of Economics, Indonesia University BUDI Kusmiantoro Chief Technology Officer • CTO at OVO CTO at Traveloka . • • MBA • • B.Eng National University of Singapore Senior Engineering Manager at Google and Paypal M.Sc - San Jose State University, USA B.Eng - Tarumanagara University VISA BCG vertex Google PayPal OVO Ogopay KEARNEY INSEAD San José State UNIVERSITY 18 8 Cornell University UNIVERSITAS INDONESIA Vine Pedag • MAYANG Ekaputri Finance Director Group Head Finance & Strategy at Bank Aladin • SVP of Treasury Finance at HSBC AVP Equity Derivatives Product Control at Credit Suisse Singapore MBA - Chicago Booth, USA B.Eng - National University of Singapore LINDA Setiawan Chief People, Diversity and Culture Officer Head of People & Culture for General & Administration Function, PT HM Sampoerna • Director People & Culture, Philip Morris Taiwan, S.A. • Head of Compensation & Benefits, PT HM Sampoerna • Regional Manager Compensation & Benefits Asia, Philip Morris Asia Limited, Hong Kong • M.Sc - Technische Universität Hamburg . B.Eng - Institut Teknologi Bandung HSBC CREDIT SUISSE MUFG NUS CHICAGO National University of Singapore BOOTH TUHH Technische Universität Hamburg • . . NADEA Baiq Compliance Director Compliance Director at Bank Maybank Syariah Indonesia Compliance Director at Bank of Tokyo-Mitsubishi UFJ Legal team at Bank Indonesia Southern Methodist University School of Law, USA . L.L.M STEFEN Loekito Chief Commercial Officer . COO at Virgo . EVP Enterprise Payment & Business Owner at OVO Decision Management Head Consumer Banking at CIMB Niaga Business Leader/Director - Country Finance and Senior Business Analyst at VISA • MBA - Louisiana State University, USA B.Eng - Louisiana State University, USA • Maybank VISA B PT HM SAMPOERNA TH Aladin LSU LOUISIANA BEATE UNIVERY 6#7Experienced supervisory boards with proven track records in financial services and Sharia industry Board of Commissioners RUDY Hamdani President Commissioner (Independent) Deputy CEO at Sequis Life Insurance • Chairman at Danakita Investama • • Consumer Banking Director at OCBC Bank Consumer Banking Director at Maybank B.Ba St Mary's College • • • . • • ATIONO Teguh Basuki Commissioner Compliance Director at Bank Index IT & E-Channel Director at Bank Index Business Development Director at Bank Index Business Support Director at Bank Index Head of Operations at Panin Bank B.Eng - Bandung Institute of Technology FRANSISCA Ekawati Commissioner (Independent) • Chairman at Bank Maybank Syariah Indonesia Member of Caretaker Team, The Indonesian Bank Restructuring Agency (IBRA) • • • Group Head Bank Monitoring and Administration, The Indonesian Bank Restructuring Agency (IBRA) Management Team at Bank Pesona Kriyadana Bachelor of Economics - Indonesia Christian University Sharia Advisory Board Dr. H. M. Asrorun Ni'am Sholeh, M.A Chairman of Sharia Compliance Oversight Body Deputy to the Minister of Youth and Sports Head of Fatwa for MUI (Indonesia's Muslim cleric body) • PhD in Islamic Law - UIN Syarif Hidayatullah Sequíslife OCBC Bank SAINT MARY'S COLLEGE CALIFORNIA A Maybank 7 Drs. K.H. Sholahuddin Al Aiyub, M.Si Member of Sharia Compliance Oversight Body • Indonesia's Vice President's personal secretary Katib Syuriah PBNU (Indonesia's largest Muslim organization) • Master of Islamic Economy and Finance, Indonesia University BANK INDEX Maybank Syariah ULA UNIVERSITAS INDONESIA VP The stag Aladin#8Strong customer acquisition and business growth since soft launch in January 2022 9:41 Aladin Selamat Siang, Anisa Ramadhani Key Metrics as of 30 September 2022 App Installations >1,8m Funding >IDR 500Bn Ala Dompe Rp1.000.000 Transfer Detail Pengaturan Kartu Registered Users (KYC Complete) Financing Untuk Pengguna Baru Saya Mengerti Isi saldo bebas dari mana aja Lihat Caranya Ala Impian Ajak teman, dapatkan hadiahnya Lihat Caranya > Simpanan aman untuk wujudkan impianmu Ayo Mulai Banyak hanya Lihat C >1,1m Provincial Coverage Covering all provinces in Indonesia 00000 IDR 300Bn Via 020 strategy with Alfamart, our users span across Alfamart network and beyond. User concentration in areas with highest Moslem populations in Indonesia i.e West Java, Central Java, East Java & Banten. Aladin 8#9Significant growth of users with growing funding and financing portfolios 1 Number of App Installations (thousands) 3 Third-party Funding (IDR billions) 1,132 670 Mar Jun 1,897 2 Number of Registered Users (thousands) 658 417 Sep 1,118 Mar Jun Sep Continuously increasing app installs 228 Accelerating user growth 9 Mar 4 Financing (IDR billions) 733 505 Jun Sep 200 IDR 505bn third party funding 302 IDR 302bn outstanding invoice financing contract Mar Jun Sep Aladin#10Roadmap to build on current products with customer centric focus Aladin product building principles prioritizes on the impact it has on the underbanked and unbanked 1. Strong offline presence to ease the mind of those that are banking for the very first time 2. Frictionless registration and app experience that works with low memory and low internet quality 3. Unique products that cater to the needs of the underbanked and unbanked $ Today Invoice financing Financing Funding Future Pipeline Consumer financing • Hajj/Umroh financing & online registration • Supply chain financing • Saving & deposit accounts • Other saving products • Goal saving accounts • • Payroll accounts Cash deposit/withdrawal in Alfamart stores Retail sharing accounts Cash management (for SME and ecosystem partner) QRIS payment ° Aladin Aladin • GPN card payment • Payment automation • Payment Bill payment integration • Loyalty program • Donations & Charity platform Insurance products • Wealth management 4000123456 78901 9010 We No Fee income 10 Aladin#11Building on early success with 020 strategy with Alfamart Customers • Extensive customer outreach through Alfamart offline network My Groceries Solution Alfagift Aladin * Rezeki BFF (Buat Friends & Family) Employees Supply Chain & Partners • • In store promotion Cash deposit/withdrawal in Alfamart stores Alfagift Integration (BaaS) • Payroll accounts • • Employee financing Alfamart Employees focused Alfamart Member-get-Member campaign Working capital financing for Alfamart suppliers, franchisee and contractors Cash management system 11 Alfamart Aladin Aladin Belanja minimal Rp50.000° dapet rezeki Rp20.000! Yuk, gunakan kartu debit Aladin kamu di Alfamari dan dapatkan rezeki saldo Aladini Pariode prome 25 September-2 Oktober 2022 Devonp www.ameri 0000 ligh de Assalamualaikum! Terima kasih ya sudah bergabung ka Aladint Sekarang, giliran kamu yang bagi-bagi kode referral kamu ke teman atau keluarga, karena Aladin punya rezeki tambahan khusus buat kamu yang sudah gabung poke kode referral dari karyawan Alfamart Dapatkan tambahan rezeki saldo Aladin Senilai → Rp15.000 4 setiap kamu berhasil mengajak teman dan keluarga untuk bergabung ke Aladin. Mereka juga akan mendapotkan rezeki senilai Rp15.000 dari Aladin, Ihol eriode promo hanya berlaku ada tanggal September-31 Desember 2022. Program ini khusus untuk kamu yang mendapatkan Email etou Whatsapp Blast resmi dari Aladin ya Cek syarat dan ketentuan di https://semangatfajar.aladinbank.id/ Yuk, ajak teman dan keluarga buat dopetin Rezeki BFF dari Alodini Aladin#12Awards & Recognition Tempo Financial Award 2021 CNBC Award 2021 CNBC INDONESA CNBC INDONESIA AWARDS 2021 T The Most Promising Islamic Digital Bank The Best Financial Performance Berita Satu ESG Award 2021 кат ESG AWARDS 2021 INTRORESTAL 300ERENCE PT BANK ALADIN SYARIAH TBK AWARENESS AKARA SIN SERITA SATU Infobank Digital Awards 2022 infobank isentia infobank DIGITAL BRAND AWARDS Cy Aladin PTRANG BRAND AWARDS By A 1 BANK isentia 1st Rank Bank Umum Syariah 1st Rank Mobile Banking Bank Umum Syariah (KBMI) 1 (KBMI) 1 infobank isentia AWARDS Det The Cy A 2 BEST OVERALL My Ambas Disclosure Rating Awareness 12 2nd Rank Best Over All Mobile Banking- Bank Umum Syariah Aladin#13Brief History and Shareholder Structure Bank history Acquired in December 2019 Shareholder Structure as at 30 September 2022 No Shareholder Percentage Listed on IDX with the ticker "BANK” in Feb 2021 PT Aladin Global Ventures 57.86% 13 2 Public Total: Basic Shares Outstanding 42.14% 100.00% Aladin#14Aladin Bank Syariah Masa Depan