Investor Presentaiton

PT. PEGADAIAN Market Leader in Indonesia's Pawn Industry Services BRI Balance Sheet Highlight 2021 2022 1Q'22 10'23 g YoY Total Assets 65,776 73,330 68,013 76,137 11.9% Loan Outstanding (Gross) 52,420 59,053 54,477 61,159 12.3% Total Liability 39,517 44,911 40,899 46,962 14.8% Total Equity 26,259 28,418 27,113 29,176 7.6% Income Statement Highlight 2021 2022 1Q'22 10'23 Net Interest Income 10,622 11,645 2,817 2,922 g YoY 3.7% Other Operating Income 1,523 1,638 392 488 24.5% Overhead Cost* 7,627 8,463 2,146 1,886 -12.1% Net Income After Tax 2,427 3,299 821 1,040 26.7% ■ Micro-fiduciary financing *Excluding Cost of Good Sold for gold Key Ratios Loan Composition As of 10'23 13% O 87% Products & Services ■ Pawn financing ■Gadai ■ Gold savings Non Gadai ■ Others (e.g., money transfers, payments) Extensive Network & Sales Force NIM COF BOPO CIR Pegadaian 2021 2022 1Q'22 10'23 ΔΥΟΥ 19.4% 21.2% 21.2% 19.6% -1.6% 6.0% 77.5% 4.9% 71.1% 4.8% 5.7% 0.9% EL כזר 70.1% 65.3% -4.8% +4,000 Outlets +2,200 Sales Force 62.8% 63.7% 66.9% 55.3% -11.5% The oldest pawn service provider with more than 120 years experience ■ The largest pawn service provider based on Asset & Loan ■ Leader in pawn lending with market share of more than 95%, catering to more than 7.1 mio borrowers +7.1 Mio Active Borrowers Gold Savings +3.3 Mio Active Cust. with +7.4 Tonne gold outstanding 47

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