Investor Presentaiton

2 1 0 3 % 5 4 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 ៩8 ន ឬ ន ឬ 8 8 9 180 160 140 120 100 Jan-19+ Feb-19- NPL Net threshold LA/ NCD= 50% Manageable Credit Risks with Adequate Liquidity Liquid Assets to Non-Core Deposits Liquid Assets to Deposits (rhs) Nov-19 Dec-19- Jan-20- Feb-20 Mar-20 Apr-20 May-20 Jun-20 Financial Institutions are equipped with ample liquidity, while credit risk is still manageable.. The ratios of liquid assets to deposit and non-core deposits remained well above the threshold following banks' cautious appetite for lending. *) Investment adequacy ratios in the insurance industry, both life and general insurance were maintained above the threshold and remained steady in February 2021. *) % Life Insurance General Insurance NPL Gross threshold LA to Deposit (rhs) = 10% Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 240 28 157.43 200 34.04 30 160 20 20 120 10 10 80 40 0 0 Banking NPL ratios are kept low and constantly remained below the threshold, at 3.21% gross and 1.04% net as of February 2021. *) NPF of multi-finance companies are well-managed far below the threshold and steadily declining at 3.9% as of February 2021. *) % May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 5 3.21 4 3 2 1.04 9 60 Source: Financial Service Authority (OJK) *) provisional figures due to the relaxation on financial institutions' report to OJK because of Covid-19 0 1 O Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Jan-19 Feb-19- Mar-19- Apr-19 Oct-19 Nov-19 Dec-19 Jan-20 May-19 Jun-19 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-19- Aug-19- Sep-19 Oct-19 Nov-19 Dec-19 threshold Investment Adequacy Ratio= 100% Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 140 Jun-20 Jul-20 Aug-20 3.9 Dec-20 Jan-21 Feb-21 107.0 204.2

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