Investor Presentaiton

OJK's Strategic Policies in The Financial Sector 2021 National Economic Recovery Program Stimulus Policy Extension of the restructuring policy for debtors affected by Covid-19 to 2022. Providing sovereign rating in calculating risk-based capital when buying securities issued by the Investment Management Institution. Recurring credit / financing restructuring during the relaxation period. Temporary prudential policy relaxation, namely: Recurring credit / financing restructuring during the relaxation period and without unnatural / excessive fees. Reduction of credit risk weighting (RWA) for Credit and Property Financing as well as Motor Vehicle Loans and Financing. Adjustment of Legal Lending Limits and Reduction of Credit Risk Weighting (RWA) for the health sector. Simplify and accelerate access to finance for MSMEs by expanding (KUR) Cluster pilot project. Digitalization of integrated community economic activities from upstream to downstream through the development of Bank Wakaf Mikro (BWM), KUR, the securities crowdfunding platform and the MSMEs digital marketplace. Digital Transformation Acceleration in the Financial Services Sector Accelerating digitalization in the financial services industry, including granting licenses for digital banks. Strengthen prudential rules for fintech peer to peer lending Supporting the growth of fintech start-ups by developing a regulatory sandbox Digitalizing Sharia products. Source: Financial Service Authority (OJK)-- I Strengthening Resilience and Competitiveness of the Financial Services Sector Accelerating the consolidation of the financial services industry by gradually implementing a minimum capital policy. Strengthening the implementation of governance, risk management through Investment Limits and Large Fund Provision, Improvement of Capital Regulations, & Status Determination and Supervision Follow-Up (Exit Policy). Financial Services Sector Ecosystem Development Maintaining market integrity and developing the retail and domestic investor base. Supporting financial services institutions to carry out multi-activities business and be digital-based. Accelerating the expansion of financial access and improving public financial literacy through KUR, BWM, Laku Pandai and Student Savings and strengthening consumer protection. Implementing Sustainable Finance through the Roadmap Phase II 2021-2025. Improving the human resource capacity of the financial services sector based on the blueprint for human resource development in the financial services sector 2021-2025. Strengthening OJK's internal capacity Developing integrated supervision of all financial service products Improving governance in internal business processes. Adjusting the market conduct monitoring process related to the product life cycle stages. Strengthening digital-based surveillance. I I I | I 4'59

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