Investor Presentaiton

Stable Monetary Environment Despite Challenges Well Maintained Inflation Ensured Price Stability 9 (%) 8.00 20 8 18 CPI (%, yoy) rhs I Strengthened Monetary Policy Framework 19 August 2016 The New Monetary Operation Framework Core (%, yoy) - lhs 7 7.00 LF Rate: 7.00 16 14 Administered (%, yoy) - lhs Volatile Food (%, yoy) - lhs2 6 BI Rate: 6.50 6.00 5 12 4 5.00 10 1.59 3 8 2 4.00 6 2.41 4 1 1.67 3.00 2 0.56 0 0 2013 2014 2015 2016 2017 2018 2019 Nov-2020 Rupiah Exchange Rate Fared Relatively Well Compared to Peers *) YTD 2020 vs 2019 TRY -23.70 BRL -23.04 -18.65 20.71 ZAR -5.52 -12.38 INR -3.07 -4.88 IDR -1.72 -2.75 % yoy 18.0 16.0 14.0 12.0 10.0 THB point-to-point -0.83- -0.87 MYR 1.00 average -1.47 SGD 1.26 -1.20 JPY 4.97 1.96 PHP 5.38 4.19 KRW 5.69 a.o 16-Dec-20 CNY -1.39 -0.01 6.59 EUR 8.09 ANO NA O 6.0 2.0 0.0 -2.0 -4.0 1.67 -30.0 -25.0 -20.0 -15.0 -10.0 -5.0 0.0 5.0 10.0 Jan-16 Mar-16 May-16 Credit Growth Profile Jul-16 Q3-2016 Q1-2017 Q3-2017 Q1-2018 Q3-2018 Q1-2019 Q3-2019 Total Growth Working Capital Loans Investment Loans Jan-20 Mar-20 LF Rate: 4.50 BI 7Day RR Rate: 3.75 DF Rate: 3.00 May-20 Jul-20 Sep-20 Nov-20 2.0 20 0.1 -2.2 2015 2016 2017 2018 2019 2020 Source: Bank Indonesia *) Source: Reuters and Bloomberg 99999

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