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Investor Presentaiton

Stronger Fundamentals Facing the Headwinds Inflation Rate (%) Inflation controlled within the target range 1998 2008 12.1 Nov 2020 1.59 (yoy) 1998 82.4 2008 16-Dec-20 IDR Movement (%) IDR depreciated year-to-date Foreign Reserves (USD bn) Significantly higher than 1998 & 2008, ample to cover 9.3 months of import and external debt repayment -197 -35 (ytd) -1.27 0 -300 -200 -100 1998 Non-Performing Loan/NPL (%) NPL level (gross) is below the maximum threshold of 5% 30 2008 3.8 Oct 2020 3.15 0 5 10 15 20 20 External Debt (Public & Private) to FX Reserve Ratio Significantly lower than 1998 crisis 25 30 30 35 40 Government Debt/GDP Consistently well-maintained 1998 17.4 2008 Nov 2020 50.2 More Liquid Market (%) Overnight interbank money market rate 62 is relatively lower 10.5 3.2 1998 2008 Nov 2020 133.6 External Debt/GDP Slightly higher than 2008, but significantly lower than 1998 8.6x 3.1x 3.09x 100.0% 27.4% 38.13% 116.8% 33.2% 38.1% 2008 October 1998 2020 2008 1998 November 2020 2008 Q3- 2020 1998 50 50
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