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Investor Presentaiton

IDR Tn 160 140 120 100 80 60 40 20 0 2016 Source: Financial Service Authority (OJK) 2017 IDR Tn 6,000 5,000 4,000 3,000 2,000 1,000 0 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Mar-20 Mai-20 Bank Loans Financial Intermediation Affected Economic Activities Recovery of financial services intermediation remains a challenge as credit demand has not fully recovered due to limitations on daily activities. Nevertheless, optimism linked to Covid-19 vaccine rollout and Government's continuous stimulus and reform bring hopes of recovery in 2021... Credit growth contracts by -2.15% in February 2021. However, it is New financing distribution are still restrained and contracted by expected to improve as the economy continues to recover. -19.80% in February 2021. Apr-20 May-20 Jun-20 Jul-20 Aug-20 Aug-20 Sep-20 Sep-20 Oct-20 YoY Growth (rhs) YOY IDR Tn 16% 500 5419 12% 400 8% 300 4% 200 0% 100 -2.15% -4% 0 Nov-20 Dec-20 Jan-21 Feb-21 Capital raising through securities issuance reached IDR 39.04 Tn in 2021 (YTD). IPO level are still expected to be back to its pre-pandemic level. ■IPO Rights Issue Corporate Bond & Sukuk Both life insurance and general insurance premium continue to grow positively by 23.2% and 0.7% respectively in February 2021 yoy. 50 Life Insurance Premium Growth General & Reinsurance Premium Growth 12.04 -10 24.87 2.13 -30 2018 2019 2020 2021* Jan-19 Feb-19 Mar-19 Apr-19 10 10 May-19 Jun-19 6T-unc Jul-19 Aug-19 Sep-19 61-das 30 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 Jun-20 Jul-20 Sep-20 Oct-20 May-20 Aug-20 Nov-20 Nov-20 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 138 Aug-19 61-8 Sep-19 Oct-19 0.7 Nov-19 Dec-19 23.2 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Financing Growth (rhs) 10% YOY 5% 362.8 0% -5% -10% -15% Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 -19.80% -20%
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