Investor Presentaiton

Government Support for MSMEs During the Covid-19 Pandemic In the form of relaxation of asset quality assessments, postponement of principal & interest subsidies, low-interest working capital loans guaranteed by Askrindo and Jamkrindo, tax incentives for MSMEs borne by the government, and Productive Presidential Assistance for Micro Enterprises 1 ASSET QUALITY MSMEs CREDIT RESTRUCTURING ASSESSMENT According to POJK 2 WORKING CAPITAL CREDIT POSTPONEMENT OF PRINCIPAL & INTEREST SUBSIDIES 3 KUR Super Mikro: Loan up to IDR 10 million • Interest subsidy will be 19% consist of additional interest subsidy 6% and regular interest subsidy 13%, debtors pays 0% interest from Aug - Dec 2020. KUR MKM (SMEs): 4 Quality No. 11/POJK.03/2020 & 14/POJK.05/2020 Asset LOW INTEREST Placement of IDR30 Trillion Government Funds at Bank Himbara GUARANTEE Arrangement: Loans S IDR 10 billion can be based only on the accuracy of principal interest payments Restructurisation: The credit quality for affected debtors is determined to be current restructuring since The restructuring is carried out without a ceiling limit type of financing Loan up to Rp10 million up to IDR 500 million • Postponement of installments and 6% additional interest subsidy for the period from Apr-Dec 2020 to 0%. Loan > Rp500 million up to IDR 10 billion • • Postponement of installments and interest subsidies from 3% to 3% for the period Apr-Jun 2020 and interest subsidies from 2% to 4% for the period Jul- Sep 2020. UMi, Mekaar, Pegadaian (Pawnshop) • Postponement of principal installments and interest subsidies for 6 months from Apr-Sep 2020 Fintech Loan, Co-op, Farmers, LPDB, LPMUKP, UMKM PEMDA Relaxation is given a 6% interest subsidy for 6 months Based on Coordination Meeting held by Financing Policy Committee for MSME on December 28, 2020, KUR implementation in 2021 are as follows: Source: Coordinating Ministry for Economic Affairs Additional interest subsidy 3% for 6 months, debtors pays 3% interest. Increase the ceiling of KUR in 2021 to IDR 253 trillion. 5 Government support in the form of guarantees by Askrindo and Jamkrindo OTHER SUPPORT Income Tax for MSMEs is borne by Government MSMEs receive a final PPh rate of 0.5% (PP 23/2018) borne by the government (DTP). 6 MICRO BUSINESS PRODUCTIVE PRESIDENT ASSISTANCE Direct assistance to 12 million Micro- Business Actors in the amount of IDR 2.4 million per recipient 23 23

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