Investor Presentaiton

Act No. 4/2023 - Financial Sector Reform • FUNDAMENTAL ISSUES Short-term financing is still dominated by Banks Small non-bank asset portion should be enlarged to finance development - • Limited financial instruments – huge potential for market deepening . Digital assets: high risk and complex financial instruments Weak governance and law enforcement in the financial sector EXTERNAL CHALLENGES Technology Disruptions New financial risks from climate change and current geopolitical situation OBJECTIVE: Optimizing financial intermediation and financing portfolio for productive sectors; improving financial access, inclusion and literacy, and consumer protection; expanding long-term financing resources; enhancing competitiveness and efficiency of the financial sector; and strengthening the authorities and responsibilities of financial regulators. OTORITAS JASA KEUANGAN Indonesia Financial Services Authority Strengthening OJK's role in some areas, including integrated supervision, financial conglomerate supervision, market conduct supervision, consumer protection, etc. Giving new mandates among others: cooperative in the financial sector, digital assets, carbon exchange, bullion activities. BANK INDONESIA The Central Bank of The Republic of Indonesia Strengthening BI's role in some areas, such as maintaining financial system stability to support sustainable economic growth, maintaining the smooth running of the payment system, implementing macroprudential policies. LEMBAGA PENJAMIN SIMPANAN Indonesia Deposit Insurance Corporation Strengthening the role of IDIC in deposit guarantee and bank resolution. Giving a new mandate: IDIC establishes policies and implement the insurance policy guarantee program. KEMENTERIAN KEUANGAN The Ministry of Finance Strengthening the role of the Ministry of Finance as a coordinator for Financial System Stability Committee and Sustainable Finance committee. The MoF coordinates with OJK, BI, and IDIC in some areas, including financial literacy and inclusion, financial sector development, etc. Source: Financial Services Authority (OJK) 89 99

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