Investor Presentaiton

Stimuli to Support Indonesia's Financial Industry OJK and other government institutions have worked intensively to minimize the impact of COVID-19 on the economy 1 ■ ◉ Maintaining business fundamental of the real BANN secto JK Regulation No. 11/POJK.03/2020: Bank NBFI "National Economic Stimulus as A Countercyclical Policy of The Impacts of COVID-19 Outbreak" Relaxation of credit assessment and credit restructuring to debtors who are affected by COVID-19. Credit assessment (up to IDR10 billion) is based only on the punctuality of debtors to pay their debts and interests. This applies to Commercial and Sharia Banks With maximum 1 year period of credit restructuring *) OJK Regulation No.18/POJK.03/2020: "Written Orders to Handle Bank Problems" ■ merger, Stabilizing financial sector particularly in banking sector amid COVID-19 outbreak by allowing consolidation, acquisition, and/or integration to banks permitted by OJK. *) OJK Regulation No. 14/POJK.05/2020: "Countercyclical Policy as an Impact of COVID-19 for Non-Bank Financial Institution Extendedadline of report submission Relaxation of financing assessment Financing Restructuring - - - - - Regulating loan restructuring, deadline of periodic reports, Conducting fit and proper tests, Determination of asset quality of financing, Calculation of solvency level of insurance companies, Calculation of pension fund quality, and Implementation of asset management provisions. Source: Financial Service Authority (OJK) 2 Maintaining financial market stability OJK Circular Letter No. 3/SEOJK.04/2020: "Other Conditions as Significantly Fluctuating Market Condition on Stock Buyback issued by Issuers or Public Companies" - Prohibition of short-selling Asymmetric Auto Rejection (current auto rejection limits under 7%) 30-minute Trading Halt for 5% decrease in IHSG Negation of trade in the pre-opening session Stock buyback without prior general shareholders meeting *) OJK Regulation No.15/POJK.04/2020: "Plan and Organization of the General Meeting of Shareholders of Public Companies" Aimed to enhance the participation of shareholders in General Shareholders Meeting (RUPS) by allowing electronic authorization to third parties. *) OJK Regulation No.16/POJK.04/2020: "The Implementation of Electronic General Shareholders Meeting (Glating the implementation of electronic corporate decision making by requiring a member of the board director/commissioner in charge of GSM, while other electronic attendances are counted as fulfillment of attendance quorum. *) OJK Regulation No.17/POJK.04/2020: Material Transaction and Changes in Business Activities " Improving the definition and procedure of Material Transaction, as well as the effectiveness of regulation to enhance the protection of public shareholders and the quality of information disclosure in Material Transaction and Business Activities Changes. *) OJK Regulations in Response to Government Regulation in Lieu of Law No. 1 Year 2020 to maintain financial stability and economic activities. of 126

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