Investor Presentaiton

Jan-19 Apr-19 YOY 8% 6% 4% 2% ེ ༈ * g ྂ ཀླི སླ ༄ * * 14% 12% 10% 0% -2% -4% Jan-19 Apr-19 61-15 LOAN In February 2023, bank loans grew by 10.64% (yoy), while Third-Party Funds (Total Deposits) grew at a steady pace by 8.18% (yoy). Banking Intermediation Bank loans continued to grow, driven by investment and business lending, despite the difficult global economic environment, with relatively stable growth in funding. Oct-19 Jan-20 Loan Third-Party Fund (Deposits) Apr-20 Jul-20 Oct-20 Jan-21 Apr-21 Jul-21 -6% Loan growth by segmentation continued to improve in February 2023, driven by Corporation loans, which grew by 12.59% (yoy). LOAN Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 Jan-23 YOY MSMES Consumption - Corporation - Total YOY 20% 30% 12.59% 15% 10% 5% 0% -5% -10% 25% 10.64% 20% 9.66% 8.58% 15% 10% 5% Source: Financial Services Authority (OJK) Jul-19 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 Jan-23 0% -5% Jan-19 Apr-19 Jul-19 Oct-19 15% 10.64% 8.18% 10% 5% 0% YOY 20% Majority types of loans continued their positive trend, particularly Investment loans, which grew by 13.01% (yoy) in February 2023 Working Capital Consumption Investment - Total 13.01% 10.64% 9.84% -5% -10% Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-201 Oct-20 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 Jan-23 Third-Party Funds (Total Deposits) grew stable in February 2023, mainly supported by Demand Deposits growth, which increased by 16.20% (yoy), respectively. Jan-20 Apr-20 Jul-20 Deposits Demand Deposits Savings - Third-Party Fund Oct-20 Jan-21 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 Jan-23 16.20% 8.18% 5.18% 4.85% 9.66% 108

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