Investor Presentaiton

Very few Indonesians can count on asset income in retirement. Share of Today's Retirees Receiving Income and Share of Today's Workers Expecting to Receive Income from Financial Assets* 90% 80% Today's Retirees Today's Workers 70% 63% 60% 60% 50% 40% 30% 20% 18% 18% 19% 13% 11% 10% 3% 8% 0% Philippines Indonesia GAI Global Aging Institute Vietnam South Korea China 77% 73% 74% 68% 60% 50% 51% 48% 41% 42% 42% Hong Kong * Includes insurance and annuity policies and stocks, bonds, and mutual funds, but excludes bank deposits. Malaysia Thailand Taiwan Singapore 10 10

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