#1PT Bank OCBC NISP Tbk Financial Performance - Full Year 2023 (Audited) This report is solely for the use of PT. Bank OCBC NISP Tbk. No part of it may be circulated, quoted, or reproduced for distribution outside the organization without prior written approval from PT. Bank OCBC NISP Tbk. This material was used by PT. Bank OCBC NISP Tbk. during an oral presentation; it is not a complete record of the discussion. OCBC#22 Agenda 1 Full Year 2023 Performance Corporate Updates 3 Appendix OCBC PE#31 Full Year 2023 Performance OCBC#4FY 2023 Executive Summary • • • • • • NPAT increased by 23% YoY to Rp4.09 trillion Total Assets grew 5% YoY to Rp250 trillion Loans increased 12% YoY to Rp154 trillion Deposits increased 3% YoY to Rp182 trillion LDR was 83.8% while Loan-to-funding ratio was 82.5% CASA ratio increased to 55.8% NPL-Gross stood at 1.6%, while NPL-Net at 0.6% CAR was at 23.7%, with tier 1 capital ratio of 22.6% Corporate Rating is AAA with stable outlook Operating 199 offices and 496 ATMs along with various digital channels > OCBC 4#5Key Financial Highlights Total Assets & Return on Assets (ROA) Rp trillion, % Total Assets -ROA 1.9% 2.1% Loans Gross & Non-Performing Loan (NPL) Rp trillion, % Loans NPL 2.4% 1.6% 249.8 238.5 4.7% 154.1 137.6 12.0% 31 Dec 2023 31 Dec 2022 Total Equity & 31 Dec 2022 Loan-to-Deposit Ratio/LDR % 83.8% 77.2% 6.6% Capital Adequacy Ratio (CAR) Rp trillion, % Equity CAR Deposits from Customers & CASA Ratio Rp trillion, % Deposits from Customers CASA Ratio 54.6% 55.8% 176.1 181.8 3.2% 31 Dec 2022 31 Dec 2023 31 Dec 2023 Net Income & Return on Equity (ROE) 23.7% 21.5% 37.3 34.2 9.1% Rp billion, % Net Income ROE 12.0% 10.5% 4,091 3,327 23.0% 31 Dec 2022 31 Dec 2023 FY22 FY23 31 Dec 2022 31 Dec 2023 → OCBC 5#6NIM at 4.4% with Diversified Sources of Non-Interest Income Net Interest Income & Net Interest Margin (NIM) Rp billion, % 4.0% > OCBC Net Interest Margin Net Interest Margin 4.4% 4.4% 4.4% 4.4% 4.3% 4.3% 13.4% 9,911 8,741 FY22 FY23 2,455 2,452 2,444 2,486 2,529 IIIII 4Q22 1Q23 2Q23 3Q23 4Q23 3.0% 1.8% Non-Interest Income by Type % Composition 31 December Credit Related 2023: 31% 2022: 20% Trade Finance 2023: 11% 2022: 9% Bancassurance 2023: 16% 2022: 11% 2023: Rp1,402 billion 2022: Rp 1,863 billion Others 1) 2023: 9% 2022: 26% Deposit Administration 2023:5% 2022: 4% Mutual Funds 2023: 5% 2022: 5% Gain from Sale of Marketable Securities 2023: 23% 2022: 25% Note: 1) Includes Remittance, E-Channel, Gain/loss of Foreign Exchange, and Other fees. 6#7Cost to Income Ratio at 44.3% and BOPO at 71.0% Cost-to-Income Ratio Rp billion, % Total Income 1) Employee Expense General & Administration Expenses Cost-to-Income Ratio 2) 44.0% 44.3% 11,313 10,604 5,011 4,668 56% 56% 44% 44% FY22 FY23 BOPO Ratio Rp billion, % Total Operating Income 1) • ВОРО 3) Total Operating Expenses 2) 71.1% 14,579 10,365 FY22 71.0% 17,827 12,658 FY23 Notes: 1) Total Income: Net Interest Income and Non-Interest Income. 2) Cost-to-Income Ratio: Operating Expenses/Total Income. Notes: 1) Total Operating Income: Interest Income and Non-Interest Income. 2) Total Operating Expenses: Interest Expense, Operating Expense and Provision Expense. 3) BOPO: Total Operating Expenses/Total Operating Income. > OCBC 7#8Total Loans Recorded at Rp154.1 Trillion with Diversified Sectors Loans Gross by Types Rp trillion, % Working Capital Investment Consumer * 154.1 12.0% 137.6 16% 14% 44% 44% 40% 42% 31 Dec 2022 *Consumer loans include employee loans 31 Dec 2023 > OCBC Loans Gross by Sectors % Composition 31 December Service 2023: 19% 2022: 19% Construction 2023: 3% 2022: 4% 2023: Rp154.1 trillion 2022: Rp137.6 trillion Agriculture & Mining 2023: 7% 2022: 9% Others ** 2023: 19% 2022: 15% **Includes Consumer loans, and electricity, gas, & plumbing Manufacturing 2023: 30% 2022: 31% Trading 2023: 22% 2022: 22% 8#9Total Loans were Diversified to Different Regions > OCBC Loans by Geography 31 December Kalimantan 2023: 1% Sumatera 2022: 1% 2023: 7% 2022: 7% East Java 2023: 10% 2022: 10% Central Java 2023: 2% 2022: 2% West Java 2023: 14% 2022: 14% Sulawesi and Others 2023: 1% 2022: 2% Outstanding Loans 2023: Rp154.1 trillion 2022: Rp137.6 trillion Jakarta 2023: 65% 2022: 64% Loans by Currency 31 December Foreign Currencies 2023: 25% 2022: 26% Outstanding Loans 2023: Rp154.1 trillion 2022: Rp137.6 trillion Rupiah 2023: 75% 2022: 74% 9#10NPL-Gross Stood at 1.6%, while NPL-Net was at 0.6% Loans Collectability Rp trillion and % Outstanding Loans > OCBC Current Special Mention ■NPL-Gross NPL-Gross and Loans Loss Provision (LLP) Rp trillion and % for LLP/NPL NPL - Gross Loans Allowances-Impaired Loans Allowances-Non Impaired 324.7% 314.9% 1.0% NPL- Net 0.8% 256.4% 0.7% 0.7% 0.6% 223.7% 230.2% LLP/NPL 154.1 144.7 1.6% 8.5 142.3 8.2 137.6 137.6 1.9% 3.0% 8.1 2.3% 12.4% 2.4% 3.2% 2.8% 7.6 7.4 3.1% 2.6% 5.4 95.4% 94.5% 95.0% 94.9% 94.9% 3.3 3.3 5.3 5.9 6.7 6.5 3.2 2.7 2.5 2.3 2.0 2.3 1.8 1.6 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 10#11Restructured Loans > OCBC Restructured Loans by Collectability Rp trillion and % from Total Loans Current ■Special Mention NPL 7% 4% 9.0 28% -48.8% 36% 36% Restructured Loans Compositions 31 December 3% Non-related to % Total Restructured Loan to Total Loans COVID19 2023: 67% 2022: 36% 1% % Restructured Loans Related 4.6 20% 62% 18% 31 Dec 2022 31 Dec 2023 to COVID19 to Total Loans 2023: Rp4.6 trillion 2022: Rp9.0 trillion Related to COVID19 2023: 33% 2022: 64% 11#12Total CASA Represented 55.8% of Total Deposits, while LDR Stood at 83.8% and Loan-to-Funding Ratio at 82.5% Composition Deposits from Customers Rp trillion, % Loan-to-Deposit Ratio and Loan-to-Funding Ratio Rp trillion, % Current Accounts Time Deposits 54.6% Savings Accounts CASA Ratio * 55.8% 181.8 176.1 3.2% 45.4% 44.2% 25.4% 22.9% +1.2% CASA 31.7% 31 Dec 2022 30.4% 31 Dec 2023 * CASA Ratio: (Current Accounts + Savings Accounts)/Deposits from Customers. > OCBC Loans Funding LFR ** 138 77.2% 75.1% Deposits from Customers LDR 181 176 154 31 Dec 2022 83.8% 82.5% 182 185 31 Dec 2023 ** Includes Customer Deposits, Borrowings and Subordinated Debt. 12 12#132 Corporate Updates OCBC#14Share Price and Credit Ratings Daily Share Price and Trading Volume NISP IJ 120 100 80 60 40 20 ་ གསལ་ Jan-23 Feb-23 Source: IDX Rating Share Price 1,400 Fitch Ratings National Long-term AAA (idn) / Stable Dec 2023 1,200 National Short-term F1+ 1,000 (idn) 800 Long-term Foreign Currency BBB / Stable Daily Trading Volume 600 (in thousand shares) 400 Long-term Local Currency A / Stable 200 Short-term Foreign Currency F2 Mar-23 May-23 Jun-23 Jul-23 Aug-23 Oct-23 Nov-23 Dec-23 Viability Rating bb+ Valuation Dec-22 Mar-22 Jun-23 Sep-23 Dec-23 Ownership Structure Share Price (Rp) 745 PBV 0.5x 0.5x 0.8x 765 1,185 1,075 1,180 0.7x As of 31 December 2023 OCBC Overseas Investment Pte. Ltd *) Number of Shares Ownership 19,521,391,224 85.1% 0.7x Public 3,423,905,748 14.9% EPS Ytd (Rp) 145 45 90 133 178 Total 22,945,296,972 100.0% Source: Bloomberg > OCBC *) OCBC Overseas Investment Pte. Ltd is owned by OCBC Bank, Singapore. OCBC Bank is Singapore's longest established bank (est. 1912) and one of Asia's leading financial services groups, with group assets of SGD582 billion as of 30 September 2023 and has a banking network of more than 410 branches and representative offices in 19 countries and regions. 14#15OCBC Indonesia Serves Its Clients through Various Clients Branches & ATMs Electronic Channels Sumatera Kalimantan Jawa Halmahera Sulawesi Flores Sumba Seram Jabotabek & Banten (82) • West Java (39) Cetral Java (14) • • East Java (19) Bali, Lombok, Sumatera, Kalimantan, Sulawesi, dan others (45) 199 branches including sharia offices in 54 cities Call OCBC 1500-999 ✈ OCBC Papua 496 OCBC Indonesia ATMs and access to: - more than 90,000 ATM Network Indonesia in more than 600 OCBC Group ATM Network in Singapore and Malaysia Wide spectrum mobile banking services (#grow your money in 1 apps with the new OCBC mobile Indonesia) downloadable from Apple App Store & Google Play Store. Wide variety of online banking services available from our Internet Banking, easily accessible from https://online.ocbc.id Досвс OCBC Business From overseas +62-21-26506300 Hotline Treasury Corporate Website 08001 111 898 www.ocbc.id Досвс OCBC BUSINESS Досвс Corporate Internet Banking (OCBC Business web) is a web-based application to support various Customer business activities, both financial and non-financial transaction Simplifying the experiences. OCBC Business mobile app provides flexibility of access to businesses for various transactions and many features through smartphones. 15#16Vision and Mission > OCBC Vision To be the trusted partner to enrich quality of life Ⓒ Mission Growing sustainably together by: Providing innovative and relevant solutions that exceed stakeholders' expectations. Building mutually beneficial collaborations based on trust and prudence. Creating a progressive environment with a familial spirit. 16#17Supports from Controlling Shareholder Greater China Mainland China Hong Kong Macau Myanmar 00 OCBC Taiwan HUMAN RESOURCES Team-up Senior executive OCBC Bank Singapore in Board of Commissioners and Board of Directors OCBC Indonesia. ✓ Transfer knowledge throughout Comprehensive Training programs, Talent program, Comparative studies and Job attachments. Thailand Malaysia Vietnam Singapore Philippines Brunei ASEAN OTHERS ✓ Capital support One Group Integrated Customer Experience approach Leveraging Risk Management, Audit and Operation & Technology, including Governance and Capability building Business synergies including Collaborative Business and Customer Networking events, as well Customer Solutions synergy Cross-border solutions Comprehensive financial services and leading regional value proposition Indonesia 17#18PERIAL ROUP Business Initiatives and Corporate Actions PELUNCU PE NFERENS APLIKAS "IMP GROUP & BA eFishery RS PERIAL CLU CBC NISP LALUI PLIKASI OCBC NISP Sing Ceremo STRENGTHENG FOOD SUNINABILITY TOGE WE ACHIE RE B Beyond Banking Imperial Club Launch Support digitalization of Imperial Group to drive digital economy 2023, OCBC Indonesia collaborate in the development of application-based programs named Imperial Club and announced it in a join press conference. OCBC Bank ONE CONNECT SERIES: CHINESE TECH IN ONESIA 9 The Langham Ho 15-17 May 202 With You eFishery Collaboration OCBC Indonesia extends IDR 250 billion bilateral loan to PT Multidaya Teknologi Nusantara (eFishery), reaffirming its commitment in strengthening national food sustainability through aquaculture sector. Nyala OCKCHESP OCBC NISP ONe Connect Series: Chinese Tech in Indonesia Bank OCBC Indonesia and OCBC Group presented this forum, attended by domestic and foreign technology industry players, entrepreneurs, experts, and investors to work together in advancing the technology industry in Indonesia. The event was also attended by Mr. Sandiaga Uno, Minister of Tourism TALKSHOW Nyala Bisnis Launch #BERANINAIKLEVEL Highlight Bank's commitment in supporting SMEs in Indonesia by launching Nyala Bisnis through a press conference - attended by top tier national media. In the same event, the Bank also launch Business Fitness Solution 2023. theft Seala apat Umu megan & Aran 80 am Tahunan OCBC Business Forum 2023 First Bank wide event inviting Corporate, Private and Retail clients. The program was endorsed by Ministry of Finance (MoF) through press release that was published in their website. AGMS & Public Expose For more than 82 years, OCBC Indonesia has been standing strong, consistent in recording positive performance, and prudent in running its operations. Through AGMS & PE, the Bank underlined its commitment to enrich people's life. Sharia Media Chit Chat OCBC Indonesia Sharia Business Unit (UUS) held a media chit-chat discussing financial planning in accordance with sharia principles, so that we can always take every step with blessings. CBC HITMAN Nyala FESTIVAL 410 Pegadaian TABL BIKIN SIR BLI OCBC NISP Premium Music Experience (Signature Event) The Bank will conduct annual signature event, Premium Music Experience (PME). This event is a form of appreciation for the Bank's customers, by presenting the best world-class musicians, David Foster and Friends and Indonesian Diva, Raisa. Premium Music Experience will be held on 11 August 2023 at Sentul International Convention Center (SICC). Tabungan Emas Launch OCBC Indonesia officially launched Tabungan Emas, a Sharia- compliant product and service that enabling customers to invest in gold digitally through the ONe Mobile application. In collaboration with Pegadaian, OCBC Indonesia is the first digital gold savings bank in Indonesia. OCBC NISP Rebrands to OCBC OCBC Bank OCBC NISP unveiled ‘OCBC' as a new brand name and logo, effective November 14, 2023. The inauguration took place in Jakarta through a grand event titled 'OCBC Experience: Supporting Indonesia to the Global Stage'. 18#19Corporate Social Responsibility (CSR) HUMANITARIAN ONSociety: Buninagara Village Empowerment As a continuation of OCBC's village empowerment program that equips Buninagara village in Ciwidey, Bandung with public facility renovation and coffee production training, employees volunteered to clean the public facilities that have been built as well as distributing food packages for its residents. EDUCATION OCBC CORPORATE INFO Always On (Program Donation Donasi Program Bala Bantuan Donasi Makanan Untuk Adik Panti Penuhi pohon natal dengan berbagi kebahagiaan di akhir tahun! Yuk berdonasi untuk memberikan adik-adik panti di sekitar Jabodetabek untuk memperoleh makanan yang bergizi DO 2 Anak 1 Anak 3 Anak Campaign Tanda Launch Kasih) As we continue to collect support from employees, we have launched our Always On Donation campaign which in the first batch focuses on helping four causes: 2. 1. Providing meals package for foster care children Planting trees 3. Supporting children at school - education funds 4. Supporting women entrepreneurs sewing machine & production facilities Donasi akan disalurkan oleh FoodCycle Indonesia untuk: Paket Makanan, berisi Sumber Karbohidrat Sumber Protein -Buah Susu Kamu bisa bebas berdonasi sesuai dengan kelipatan per paket makanan. Besaran nilai donasi: 1 Anak: Rp 30.000 5 Anak: Rp 150.000 Blaya 1 paket makanan untuk 1 kali makan per anak During Dec 6th to 31st, we have collected more than Rp53 mio of donation from employees, which will be distributed in form of 1500 meals package to foster care in the Jabodetabek area. Cara Berdonasi Mekka Rade KOMPETISI NYALA BISNIS HOC ONPreneurship Comp. - Business Fitness Class, Nyala Fest, Nyala Bisnis To support SME's in Indonesia, OCBC Indonesia collaborated with HIPMI Jakarta, Qualita and other parties to educate entrepreneurs to scale up their business through interactive class #WomenInBusiness. Class was attended by more than 702 MSME's through offline and online platform. Financial EducatiON Throughout Q4 2023, Bank continued to conduct financial education boardgames for high school students across Jakarta to promote financial literacy. A total of 195 students from SMAN 21 Jakarta, SMALB Santi Rama Jakarta, Global Media Creative School, and SMK Assa'adah participated in the program. ENVIRONMENT AND HEALTH Closing ON SAFE Sustainable ! Mindful & Sustainable New Segregated Waste Bin at OCBC Space (BSD) and OCBC Tower Office The Bank implemented waste management program at OCBC Space and OCBC Tower building to educate employees on how to segregate waste. Segregated waste will be converted to donation (Rp). More than 1.2 ton of waste have been collected with total conversion Rp 794,111. Donation will be given to the community in need. Upcycle Batik Uniform Bank collab with zero waste fashion designer Adrie Basuki to upcycle Batik uniform. As the result, the upcycled batik was showcase at Sustainability Festival. OCBC Indonesia BOD & BOC was also wearing the upcycled Batik during the Rebranding Event. 19#20Best Green Loan RECOGNITION FROM NATIONAL AND INTERNATIONAL LEVELS The Asset Triple A Country Awards for Sustainable Finance 2022 State Electricity Company US$750 million syndicated green loan facility Role: Mandated lead arranger and bookrunner Best Cash Management Bank in Indonesia MANAGEMENT BEST TREMORY & CLASH 2023 Global Finance's World's Best Cash Management Awards 2023 from Global Finance CE Magazine, London UK INANCE 2023 Infobank - MRI Corporate Reputation Award infobank • Corporate Reputation Survey 2022 Quality of Products, Services and Services Offered by the Bank, KBMI III Corporate Innovation, KBMI III Best SME Bank Indonesia мину a Asian Banking & Finance 9 years in a row (2014 - 2022) The Alpha SouthEast Asia 3 years in a row (2019-2021) Global Banking & Finance Review, 4 consecutive years 2020-2023 Best Private Bank - Indonesia Pal- * HT Finance Asian Private Banker GBAF Publication in Global Banking & Finance Review Award, London, 4 consecutive years (2020-2023). Best Forex Bank - Indonesia NISMEN HYP Finance Global Banking & Finance Review 2020-2023 Asian Banking & Finance, 6 consecutive years (2014 2019) BEST BANK OF THE YEAR IN INDONESIA THE BANKER AWARD, LONDON 2018, 2019, 2020, 2021, 2022, 2023 Best for Wealth Transfer/Succession Planning in Indonesia KIEF ANARD 2023 ILIRSINE SER Asiamoney Asia Private Banking Awards 2023 FX House of the Year Indonesia IX. Harkets Winner Asia FX 1X Award 2023 Idea N Best for Next-Gen/ Millennials in Indonesia A BERATE AAR X 2023 SONET Asiamoney Asia Private Banking Awards 2023 Asian Experience Award 2023 Asian Experience Awards 2023 Best Corporate Governance Bank Indonesia 2023 IICD Indonesian Institute for Global Banking & Finance Awards 2023 Corporate Directorship IICD Corporate Governance Conference and Award Most Active Bank in Financial Literacy (KBMI 3) LPS LEMBAGA PENJAMIN SIMPANAN LPS Awards 2023 20#21NOT JUST PRODUCTS AND SERVICES, OCBC INDONESIA ALSO FOCUS ON SUSTAINABILITY 2022: Top 5 Workplace 2023: Good Corporate TOP COMPANIES Досвени Governance* Finance Green✶✶ and Smart Building New Ways of Working OCBC Net Zero Carbon (start 2022) Implement ESG Principles Implement GCG as the core foundation *GBAF: 4 years in a row (2020-2023) **IFC Edge Certified Level 2 cbcdimetamis DOCBC#223 Appendix OCBC#23Consolidated Income Statement Highlights > OCBC Rp billion FY22 FY23 ΔΥΟΥ 3Q23 4Q23 AQOQ Net Interest Income 8,741 9,911 13% 2,486 2,529 2% Non-Interest Income 1,863 1,402 -25% 224 341 52% Operating Income 10,604 11,313 7% 2,710 2,870 6% Operating Expenses (4,668) (5,011) 7% (1,259) (1,252) -1% Pre-Provision Operating Profit 5,936 6,302 6% 1,451 1,618 12% Provision Expense (1,722) (1,133) -34% (205) (321) 56% Non-Operating Income - 4 15 305% 8 85% Net Profit Before Tax 4,218 5,184 23% 1,250 1,305 4% Income Tax Expense (891) (1,093) 23% (262) (267) 2% Net Profit After Tax 3,327 4,091 23% 988 1,038 5% 23 23#24Consolidated Financial Position Highlights Rp billion Dec-22 Dec-23 ΔΥΟΥ Sep-23 AQOQ Placement in other Banks 1) 7,337 1,642 -77% 1,678 -2% Marketable Securities 2) 81,408 80,079 -2% 85,731 -7% Loans (gross) ³) 137,621 154,094 12% 144,722 6% Impairment Allowances (7,363) (8,086) 10% (8,497) -5% Total Assets 238,499 249,757 5% 246,998 1% Current Accounts 55,896 55,255 -1% 49,655 11% Savings 40,253 46,117 15% 45,627 1% Time Deposits 79,936 80,384 1% 88,971 -10% Total Customer Deposits 3) 176,085 181,755 3% 184,253 -1% Borrowings 4,728 2,738 -42% 4,736 -42% Subordinated Debt 156 154 -1% 155 0% Total Liabilities 204,288 212,437 4% 211,019 1% Equity 34,211 37,320 9% 35,979 4% Core Capital (Tier 1) 32,778 35,699 9% 34,100 5% Total Regulatory Capital 34,349 37,371 9% 35,720 5% > OCBC Notes: 1) Including Placement in Bank Indonesia. 2) Including Securities purchase under resale agreement. 3) Including Sharia products. +4 24#25Consolidated Key Ratios % FY23 FY22 ΔΥΟΥ 3Q23 4Q23 AQOQ Net Interest Margin (NIM) 4.4 4.0 0.4 4.3 4.3 Non-Interest Income / Operating Income 12.4 17.6 -5.2 8.3 11.9 3.6 Total Operating Expenses / Total Operating Income 71.0 71.1 -0.1 71.7 72.3 0.6 (BOPO) Cost Income (CTIR) Return on Assets (ROA) 44.3 44.0 0.3 46.5 43.6 -2.9 2.1 1.9 0.2 2.0 2.1 0.1 Return on Equity (ROE) LoanDeposit (LDR) 12.0 10.5 1.5 11.6 11.8 0.2 83.8 77.2 6.6 77.6 83.8 6.2 Loan Funding (LTF) ¹) 82.5 75.1 7.4 75.6 82.5 6.9 CASA Deposit (CASA) 55.8 8 54.6 1.2 51.7 55.8 4.1 Non-Performing Loans (NPL) - Gross 1.6 2.4 -0.8 1.9 1.6 -0.3 Non-Performing Loans (NPL) - Net 0.6 1.0 -0.4 0.7 0.6 -0.1 Loan Loss Provision (LLP) / NPL Net Open Position (NOP) Capital Adequacy Ratio (CAR) 324.7 223.7 101.0 314.9 324.7 9.8 1.5 2.6 -1.1 4.0 1.5 -2.5 23.7 21.5 2.2 23.2 23.7 0.5 > OCBC Notes: 1) Funding includes Customer Deposits, Subordinated Debt and Borrowings. 25 25#26Fact about OCBC Indonesia Fourth oldest bank in Indonesia, was incorporated in 1941 For over 82 years, the Bank has survived through various crises Listed its shares on Indonesia Stock Exchange in 1994 Merger with Bank OCBC Indonesia was completed on 7 February 2011, resulting in one single banking entity and franchise for the group in Indonesia OCBC Indonesia's gender bond is the first in Indonesia, and second in Asia-Pacific from the International Finance Corporation (IFC) - World Bank Indonesia's Top 10 largest bank as per November 2023*) Currently employs 6,159 dedicated staff to serve customers in 54 cities across Indonesia throughout 199 offices and 496 ATMs Solid financial performance with strong capital support from OCBC Bank Singapore > OCBC OCBC NISP rebrands to OCBC, solidifying The Bank to become stronger with One Brand and One Group Unity *) based on bank-only financial report as of November 2023. 26#27Board of Commissioners as of 31 December 2023 > OCBC Pramukti Surjaudaja President Commissioner Helen Wong Commissioner Jusuf Halim Independent Commissioner Lai Teck Poh Commissioner Betti S. Alisjahbana Independent Commissioner Rama P. Kusumaputra Independent Commissioner Na Wu Beng Commissioner Nicholas Tan Independent Commissioner 27#28Board of Directors as of 31 December 2023 > OCBC Parwati Surjaudaja President Director Emilya Tjahjadi Director Hartati Director Martin Widjaja Director Andrae Krishnawan W. Johannes Husin Joseph Chan Fook Onn Director Director Director Ka Jit Director Lili Surjani Budiana Director 28#29Corporate Planning & Development PT Bank OCBC NISP Tbk OCBC Tower, 15th Floor Jl. Prof. Dr. Satrio Kav. 25, Jakarta 12940 Phone : +62 21 255 33 888 E-mail : [email protected] OCBC Thank you