Investor Presentaiton

Transforming From Regional to Nationwide Coverage With Hybrid-Bank Business Model Strengthen Offline Channels 14907 3 Enhancing Online Services DIGI by bark byhat Digi Mobile as Omni Channels C Quarterly Transaction Value Digi Mobile and ATM, Rp Trillion Digi ATM Provinces Office Channels KUB Synergy (On Going) Supported By Solid IT Infrastructure 1,631,056 DigiMobile DigiCash Apps Digi Loan DigiSMS Apps bjb Cardless GRIS Next Step, Becoming "Smart Mobile Banking" Onboarding Services 17.7 14.9 12.6 11.7 10.8 Multiple Bank Source of Fund Merging DigiCash in Digi Mobile Open Banking Concept Artificial Intelligence 1.3 1Q20 ARLATFORM EQUINIX™ PARTNER PT DCI Indonesia Tier-IV Data Centre #1 in SEA 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1022 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 -- Alibaba Cloud Alibaba Cloud Anti D-DOS Online Security 983,655 1,106,937 781,922 Digi Mobile User Sept 2023 (YoY) +47.3% Sept-22 Sept-23 bank bjb Quarterly Transaction Volume Digi Mobile and ATM, in Million ⚫Digi ATM 51.1 47.8 16.7 15.3 12.7 7.1 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 aws Amazon Web Services Advisory, Sandboxing, People Capacity 12,031 QRIS Merchant Sept 2023 (YoY) +25.8% Sept-22 Sept-23 Sept-22 Sept-23 16,765 Agent bjb BiSA / Branchless Banking Agent Sept 2022 (YoY) +39.3% 6

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