Investor Presentaiton

Digitization of MSMES: MSMEs Level Up STRENGTHENING THE MSME ECOSYSTEM STRENGTHENING E-COMMERCE ECOSYSTEMS 100 84.8 80 60 35.2 34.4 84,8% MSMEs have 30.4 40 returned to 20 8.1 7.1 normal operations 0 Berjalan normal Berjalan terbatas Belum beroperasi compared to 2020 2020 maret-april 2021 (Survey of 505 MSMEs) % Tax Sertification (Source: Mandiri Institute Survey, June 2021) During the pandemic, MSMEs used various marketplace networks to sell their products, 40% of MSMEs used social media, and the rest used instant messaging (38%), e- commerce (13%), and ride-hailing (5%). (Source: Mandiri Institute, 30 June 2021) MSME Market Access and Empowerment Support Pahlawan Digital BANGGA BUATAN INDONESIA PLUT-KUMKM Permissions Sector Business Climate e-commerce Payment Logistic ☑ Market Access Financing Personal data Protection DIGITIZATION MSME Control informatics Training Accompaniment System Operation and Electronic Transaction Raw Material Access Digital Infrastructure Source: Kominfo, 2021. PaDi UMKI Pas Digital UMKM *sparc campus GRIS QR Code Standar Pembayaran Nasional ASEAN UMKM UNDEALLY digiku Digital Kredit UMKM E-LEARNING KUMKH Source: Coordinating Ministry for Economic Affairs ecatalogue 8 out of 10 UMKM get to know finance/ banking 84% Get help during the pandemic 70% LKPP Experiencing an increase transactions per day in products 71% Get to know digital finance Source: OVO and CORE Indonesia Survey (2021) 19

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