Investor Presentaiton

Macroprudential Liquidity Buffer (MLB) Policy and Credit card policy Regulation 1 Increase in the Macroprudential Liquidity Buffer (MLB) for conventional commercial banks Policy to increase the Macroprudential Liquidity Buffer (MPLB), effective 1st May 2020. Before After 6% of rupiah deposits 4% of rupiah deposits 2 Increase in the Macroprudential Liquidity Buffer (MLB) for Islamic banks and Islamic business units 4% of rupiah deposits 4.5% of rupiah deposits Credit card policy, effective 1st May 2020. Regulation 1 Lower upper limit on credit card interest BHINNIKA Before After Effective Period 2.25% per month 2% per month 1st May 2020 2 Temporary reduction of minimum payment requirements 10% 5% 3 Temporary reduction of late payment 3% or maximum of IDR150,000 1% or maximum of IDR100,000 penalties 4 Supporting credit card issuer policy to extend the due date for customers Issuer discretion 1st May 2020 - 31st December 2020 1st May 2020 - 31st December 2020 1st May 2020 - 31st December 2020 116

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