Investor Presentaiton

Principles of Macroprudential Intermediation Ratio (MIR)* BHINNE Regulation MIR (Conventional Commercial Bank) 1 MIR Accounting Formula Credit + Owned Bond Deposit + Issued Bond MIR Sharia (Sharia Banks and Sharia Business Units) Financing + Owned Sharia Bond Deposit + Issued Sharia Bond 2 Rate and Parameters . Ceiling 94% • Ceiling 94% • Floor 84% • Minimum Capital Adequacy Requirement 14% • For Sharia business units, the Minimum Capital Adequacy Requirement is the same as that of the parent conventional commercial bank 3 Scope of credit/financing and deposits to calculate MIR / MIR Sharia 4 Source of Data 5 Criteria for securities held · Floor 84% . Minimum Capital Adequacy Requirement 14% • Upper disincentive parameter 0.2 Lower disincentive parameter 0.1 . Credit: rupiah and foreign currency • Deposits in rupiah and a foreign currency: (i) demand deposits, (ii) savings deposits; and (iii) term deposits, excluding interbank funds Monthly Commercial Bank Reports • Corporate bonds and/or corporate sukuk • Issued by a nonbank corporation and by a resident • Upper disincentive parameter 0.2 Lower disincentive parameter 0.1 • Financing: rupiah and foreign currency • Deposits in rupiah and a foreign currency: (i) wadiah savings; and (ii) unrestricted investment funds, excluding interbank funds Monthly Sharia Bank Reports Corporate bonds and/or corporate sukuk • Offered to the public through a public offering • Equivalent to investment grade rating affirmed by a rating agency • Administrated by an authorised securities institution *As part of further relaxation on macroprudential policy, an adjustment will be applied starting from December 2nd, 2019 112

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