Investor Presentaiton

Banking Intermediation Despite the challenging global economic environment, Bank loans continued to grow, driven by investment and business lending, with relatively stable growth in funding. YOY 14% 12% 10% * * * * * -2% -4% -6% LOAN In May 2023, bank loans and Third-Party Funds (Total Deposits) grew at a slower pace by 9.93% (yoy) and 6.55% (yoy), respectively. Loan Third-Party Fund (Deposits) YOY 20% 15% 9,93% 10% 6,55% 5% Majority types of loans continued their positive trend, particularly Investment loans, which grew by 12.69% (yoy) in May 2023 Working Capital Consumption Investment - - - Total Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul20 Oct-20 Jan-21 Apr-21 Jul21 Oct-21 Jan-22 Apr-22 Jul22 Oct-22 Jan-23 Apr-23 Loan growth by segmentation continued to improve in May 2023, with major contribution from Corporation loans, which grew by 10.13% (yoy). 0% 90 5. Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 -5% -10% LOAN Apr-20 Jul-20 Oct-20 Jan-31 Apr-21 Jul21 Oct-21 Jan-22 Apr-22 Jul22 Oct-22 Jan-23 Apr-23 Third-Party Funds (Total Deposits) grew stable in May 2023, mainly supported by Deposits growth, which increased by 8.37% (yoy), respectively. YOY MSMEs Consumption 18% 13% 8% 3% -2% -7% -12% Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Oct-20 Jan-21 Apr-21 Source: Financial Services Authority (OJK) Corporation - - - Total YOY 30% 10,13% 9,93% 25% 9,62% 20% 7,61% 15% 10% 5% Jul21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 Jan-23 Apr-23 0% 90 -5% 5. Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Deposits Demand Deposits Apr-20 Jul20 Oct-20 Jan-21 Apr-21 Jul21 Oct-21 Jan-22 Apr-22 Jul22 Savings -Third-Party Fund Oct-22 Jan-23 Apr-23 8,37% 8,35% 6,55% 2,91% 109 12,69% 9,93% 9,62% 7,39% 199

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