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Investor Presentaiton

#4 Drive phygital experiences in a sustainable way B E For example: ANZ bank branch in Australia is built on the ESG concepts to reduce emissions, create a healthy environment, and encourage a place to co- work and co-create WELCOME TO KNOX 8:48M FRIDAY 10 DECEMBER • • • • Indonesia has a large population of 277.5 million The top 5 Indonesian banks have a branch network of 7157 branches amongst all of them Some of them have phygital branches such as Bank Mandiri, BCA and BRI All 5 banks are planning to expand their branch network. This will increase their cost to serve and deviate from the banks' efforts towards sustainability. The banks should follow the footsteps of ANZ bank and build new branch designs built using low carbon footprint, sustainable materials. This will provide the banks with flexibility to remodel and scale their branches in a cost-effective, low-waste manner based on the environment and changing needs. They can also use branch technology infrastructure which can be disassembled, relocated, and reused as well. twimbit
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