Investor Presentaiton

140 120 160 180 6 8 8៩៩៩ ៖ ៖ 100 80 threshold LA/ NCD= 50% 4 3 2 1 *) provisional figures due to the relaxation on financial institutions' report to OJK because of Covid-19 0 Source: Financial Services Authority (OJK) 1 4 + 3 2 2- Jan-20 Apr-20 Jul-20 Oct-20 Jan-21 Apr-21 Jul-21 Banking Risk Profile and Profitability The banking industry has ample liquidity, robust capitalization, and manageable credit risk. Profitability is consistently maintained at a steady level. 5 % The banking NPL ratio continued to further decline to 2.58% gross and 0.75% nett as of February 2023, significantly below the threshold. NPL Net NPL Gross % 25 The banking sector's Capital Adequacy Ratio (CAR) was steadily high with a value of 25.94% and Tier-1 capital stood at 24.41% as of February 2023. ■CAR Tier 1 25.94 24.41 % Liquid Assets/Non-Core Deposit (LA/NCD) Liquid Assets/Third-Party Fund (LA/TPF) (rhs) % 40 6 29.09 41 30 129.58 20 2 threshold LA/TPF (rhs) = 10% 2.58 20 0.75 15 10 Liquid Assets to Non-Core Deposits and Liquid Assets to Third-Party Funds (Total Deposits) remained well above the thresholds. The banking industry's Net Interest Margin and Return on Assets remained steady at 4.72% and 2.75%, respectively, as of February 2023. Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Oct-20 Jan-21 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 Jan-23 0 Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Net Open Position was maintained well below the maximum limit of 20% $ and stood at 1.47% in February 2023. % 5 Jan-19 Apr-19. Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Oct-20 Jan-21 Apr-21 Jul-21 Oct-21. Jan-22 Apr-22. Jul-22 Oct-22 تبال Jan-23 10 1.47 Oct-20 Jan-21 Jan-19 Apr-19 Jul-19 ■Net Interest Margin Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 Return on Assets Jan-23 2.75 4.72 Jul-22 Oct-22 Jan-23 109

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