Investor Presentaiton

Average revenue growth by Indonesian banks. Group Operating Revenue (IDR Tn), 2022 BTPN Bank Negara Indonesia Bank Rakyat Indonesia Bank Mandiri Bank Central Asia 17.2 USD Bn APAC average 79.48 87.47 124.65 133.4 USD Bn ICBC Best in class Fee Income to Total Income (%), 2022 Net Interest Margin (%), 2022 BTPN 18.65 Bank Negara Indonesia 4.8 Bank Rakyat Indonesia 28.22 Bank Mandiri 5.4 Bank Central Asia 5.3 167.08 BTPN 11.73 Bank Negara Indonesia 173.47 Bank Rakyat Indonesia 10.65 Bank Mandiri Bank Central Asia 18.96 Source: Industry reporting, annual reports, investor presentation, twimbit analysis Note: Figures for BTPN pertain to FY21 whereas figures for other banks pertain to FY22 14.9% 26% APAC average SCB Best in class 3.2% 7.8% APAC average BRI Best in class 6.4 7.8 twimbit

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