Investor Presentaiton

Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 2 Oct-19 Nov-19 4 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 296 10 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Net Interest industry Margin and Return on Assets of the banking remained stable at a value of 4.56% and 1.88% respectively in June 2021. ■Net Interest Margin Return on Assets Source: Financial Service Authority (OJK) *) provisional figures due to the relaxation on financial institutions' report to OJK because of Covid-19 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 0 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Resilient Financial Institutions Amidst challenges due to new variant of COVID, domestic financial institutions remain stable with sufficient profitability, adequate capitals and leverage. %25 20 15 CAR of the banking sector were steadily high and stable with a value of 24.33% as of June 2021 and Tier-1 capital at 22.54%.*) ■CAR ■Tier 1 24..... 1000 22.54 800 600 400 200 RBC of the insurance industry was consistently high and above the minimum threshold, with General Insurance RBC slightly declined to 314.8% and Life Insurance RBC stood at 647.7% as of June 2021. Life Insurance (Lhs) General Insurance (rhs) 400 314.8 350 300 250 647.7 200 150 100 50 threshold Insurance RBC (rhs)= 120% threshold Insurance RBC (Lhs)= 120% 0 ୧ % 3 4.56 2 T 1.88 1 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 153 May-21 Jun-21 A Apr-21 May-21 Jun-21 0 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Gearing ratio of multi-finance companies was maintained below the threshold with a ratio of 2.03 times as of June 2021. 2.03 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21

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