Wholesale Banking Strategy

Q3 2021 FINANCIAL PERFORMANCE Third Party Funding Grew Strongly with Solid CASA Ratio and Healthy LDR THIRD PARTY FUND IDR Trillion ↑ 22.6% YOY 163.5 145.6 133.3 CASA RATIO 53% 51% 51% Sep-20 Dec-20 Sep-21 86.7 +28% YOY 74.5 67.7 LOAN TO DEPOSIT RATIO 65.7 71.1 76.8 79% +17% YOY 75% 74% Sep-20 Time Deposit Dec-20 Sep-21 CASA Source: Published report (consolidated). Ratio based on standalone published report Sep-20 Dec-20 Sep-21 33

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