Investor Presentaiton

Jan-19 Apr-19 1 2 Source: Financial Services Authority (OJK) 3 Jul-19 Oct-19 Jan-20 Apr-20 4 Jul-20 Oct-20 Jan-21 Apr-21 0 100 Jan-19 200 Apr-19 Jul-19 IDR tn Net Financing 500 400 300 Multi-finance Companies The performance of multi-finance companies continues to improve, as shown by growing financing, a manageable Non-Performing Financing (NPF) ratio, and a stable gearing ratio. In October 2023, net financing continued its increasing trend and stood at IDR463.12 Tn or growing by 15.02% yoy. The Non-Performing Financing ratio of multi-finance companies improved as shown by a decrease from 2.59% to 2.57% in October 2023, well below the 5% threshold. Oct-19 Jan-20 Apr-20 Jul-20 Oct-20 Jan-21 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 Growth (rhs) 15,02% ΟΥ 463,12 15% 10% 6 5 5% 41 %0 3 -5% 2 -10% 1 -15% The gearing ratio of multi-finance companies stood at 2.25 times or well below the threshold in October 2023. Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 Jan-23 Apr-23 Jul-23 Oct-23 0 Jan-19 200 2,25 150 50 T 100 Apr-19 Jul-19 Oct-19 Jan-20 Jan-23 Apr-23 Jul-23 Oct-23 250 -20% 0 Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 % Oct-20 Jan-21 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Multi-finance companies' exposure to domestic debt and foreign debt experienced a slight increase in October 2023. IDR Trillion Domestic Debt ■Foreign Debt Apr-20 Jul-20 Oct-20 Jan-21 Apr-211 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 Jan-23 Apr-23 Jul-23 Oct-23 1 55,89 84 232,24 Jul-22 Oct-22 Jan-231 Apr-23 Jul-231 Oct-23 2,57

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