Investor Presentaiton

Adjustment of LTV/FTV ratio on Housing loans/financing (effective from 1st March 2021 until 31st December 2021) Facility based on Murabahah and Istishna Contracts 1 27 1 22 2 based on Murabahah and Istishna Contracts 1 23 1 2 23 Facility b. Changes to LTV/FTV Ratio on Green Property Loans/Financing Ketentuan Saat Ini NPL/NPF Criteria Met Property Loans/Financing Property Financing based on MMO and IMBT Contracts NPL/NPF Criteria Not Met" Property Loans/Financing Property Financing based on MMO and IMBT Contracts Ketentuan Baru NPL/NPF Criteria Met Property Loans/Financing based on Murabahah and Istishna Contracts 1 Property Financing based on MMQ and IMBT Contracts 22 1 22 PP Bdsr NPL/NPF Criteria Not Met* Property Loans/Financing based on Murabahah and Istishna Contracts 1 23 2 Akad MMQ & Akad IMBT 1 2 23 Landed House Landec House Type >70 Type >21-70 90% 95% 95% 90% 80% 70% 95% 85% 75% 90% 80% 90% 80% Type >70 100% 100% 100% Type >21-70 100% 100% 100% Type $21 Type ≤21 100% 100% 100% 100% 95% 90% 100% 95% 95% 100% 100% 95% 90% 95% 90% 90% 95% 95% 95% 95% 95% 100% 95% 95% Apartment Type >70 90% 95% |90% 80% 70% 95% 85% 75% Type >70 100% 100% 100% Type >21-70 95% 95% 90% 80% Type $21 95% 95% 90% 80% 90% 80% |90% 80% Type>21-70 100% Type $21 100% 100% 100% 100% 100% 100% 95% 90% 90% 95% 90% 90% 100% 95% 95% 95% 95% 95% 95% 100% 100% 95% 95% 100% 95% 95% Shop House Office 95% 95% 90% 80% 90% 80% Shop House Office House 100% 100% 100% 100% 95% 90% 90% 95% 90% 90% House Notes 1. denotes LTV ratio policy at bank discretion *NPLANPF Criteria 2. Based on PB No. 21/13/PB/2019 3. Criteria for a green building a Property area <2,500m², assessed by Bank Indonesia using tools from an approved green building appraisal institution and/or certified directly by an approved green building appraisal institution, b. Property area 2500m², certified by an approved green building appra sal institution. 1. Gross NPL/NPF ratio < 5%, and 2. Net NPL/NPF ratio on property loans/financing <5% c. Changes to Indent Regulations Current Regulation Source: Bank Indonesia New Regulation Repeals regulations concerning the gradual liquidation of Indent and the maximum cumulative liquidation of property loans or property financing. 2. Banks are required to maintain prudential principles and risk management when liquidating property loans/financing on indent. Maximum cumulative liquidation Maximum cumulative liquidation Maximum cumulative liquidation Maximum cumulative liquidation up to 30% of ceiling up to 50% upon completion of loan contract 1. upon completion of foundations up to 90% of ceiling upon completion of roof up to 100% of ceiling upon signing of BAST accompanied by AJB and a cover note. 140

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