Investor Presentaiton

Total CASA Represented 55.8% of Total Deposits, while LDR Stood at 83.8% and Loan-to-Funding Ratio at 82.5% Composition Deposits from Customers Rp trillion, % Loan-to-Deposit Ratio and Loan-to-Funding Ratio Rp trillion, % Current Accounts Time Deposits 54.6% Savings Accounts CASA Ratio * 55.8% 181.8 176.1 3.2% 45.4% 44.2% 25.4% 22.9% +1.2% CASA 31.7% 31 Dec 2022 30.4% 31 Dec 2023 * CASA Ratio: (Current Accounts + Savings Accounts)/Deposits from Customers. > OCBC Loans Funding LFR ** 138 77.2% 75.1% Deposits from Customers LDR 181 176 154 31 Dec 2022 83.8% 82.5% 182 185 31 Dec 2023 ** Includes Customer Deposits, Borrowings and Subordinated Debt. 12 12

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