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Investor Presentaiton

2 Jan-19 Feb-19 Mar-19 Apr-19 May-19 4 9 10 15 20 20 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 25 25 Profitability of the banking sector remains high and stable *) Net Interest Margin Return on Assets 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-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Resilient Financial Institutions Domestic financial institutions remains sound and stable, supported by strong capitalization, and leverage amidst hurdles faced due to the pandemic... CAR of the banking sector remains high and stable at 23.74% with Tier-1 capital at 22.10% as of Oct-20 RBC of the insurance industry remains high and well above the minimum threshold (120%) *) ■CAR Tier 1 Life Insurance (Lhs) Aug-20 Sep-20 4 4.41 Source: Financial Service Authority (OJK) *) provisional figures due to the relaxation on financial institutions' report to OJK because of Covid-19 Aug-20 Sep-20 Oct-20 2 1.7 1 0 Oct-20 900 23.74 22.1 800 700 600 500 400 300 200 0 100 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 Gearing ratio of multi-finance companies remains steady and below the threshold % 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-20 134 2.28 General Insurance (rhs) 400 337 350 300 539 250 200 150 100 50 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 0
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