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Investor Presentaiton

Stable Monetary Environment Despite Challenges 20 Well Maintained Inflation Ensured Price Stability Strengthened Monetary Policy Framework CPI (%, yoy) rhs (%) 8.00 19 August 2016 The New Monetary Core (%, yoy) - lhs Operation Framework 7.00 Volatile Food (%, yoy) - lhs2 LF Rate: 7.00 15 6.00 BI Rate: 6.50 Administered (%, yoy) - lhs 5.00 2.97 10 10 4.00 5 H 1.4 3.00 1.52 2.00 0.61 2013 2014 2015 2016 2017 2018 2019 2020 Jul-21 Rupiah Exchange Rate Fared Relatively Well Compared to Peers YTD 2021 vs 2020 TRY -12.99 BRL -1.06 15.0 -4.05 JPY -5.88 -1.29 THB -10.16 10.0 0.10 INR -1.32 ■point-to-point average 0.63 IDR -2.24 50 5.0 1.48 MYR --4.71 1.89 PHP -4.75 0.0 2.02 SGD -2.72 3.12 EUR -4.95 4.89 KRW -7.02 4.96 CNY 10.65 -10.0 6.62 ZAR as of 18-Aug-21 -1.91 -15.0 -10.0 -5.0 0.0 50 5.0 10.0 12.83 15.0 Jan-16 Mar-16 May-16 Credit Growth Profile 20.0 Jul-16 Q3-2016 Q1-2017 Q3-2017 Q1-2018 Q3-2018 Q1-2019 Q3-2019 Jan-20 Mar-20 May-20 Jul-20 Sep-20 Nov-20 Jan-21 Mar-21 May-21 LF Rate: 4.25_ BI 7Day RR Rate: 3.50 DF Rate: 2.75 Jul-21 Agt-21 2.4 0.5 0.43 -1.33 Total Growth Working Capital Loans -5.0 Investment Loans Consumption Loans Jan-15 Apr-15 Jul-15 Oct-15 Jan-16 Apr-16 Jul-16 Oct-16 Jan-17 Apr-17 Jul-17 Oct-17 Jan-18 Apr-18 Jul-18 Oct-18 Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Oct-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21 121 Source: Reuters, Bloomberg (calculated)
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