Investor Presentaiton

Financing Activities Commitment & Outstanding* Outstanding Commitment IDR bio Asset Quality VSMI PT SARANA MULTI INFRASTRUKTUR (PERSERO) 2019 2020 2021 2022 145,170 NPL Gross 1.16% 0.60% 1.19% 0.76% 128,291 106,144 96,374 NPL Net 0.05% 0.02% 0.58% 0.34% 93,948 80,756 62,062 70,601 Loan Loss Coverage 192.81% 462.27% 172.53% 254.93% 2019 2020 2021 2022 Loan Composition by sector Toll Road as of 31 December 2022 29.40% Others 20.84% Transportation 8.43% *including financing to Municipalties, IIF, equity investment and signed credit agreement PEN Pemda 26.70% Electricity 14.61% Though there's a slowdown in the financing cycle, stronger optimism towards 2023 as the economy began to recover. Apart from the significant portion of the National Economic Recovery Program through Municipal Financing in the past 3 years, Toll Road and Electricity still the largest sector in our portfolio. Comprehensive Risk Management Policy resulting an NPL net below 1% in the last three years, even during the pandemic. PT Sarana Multi Infrastruktur (Persero) | 11

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