Investor Presentaiton

#2 Digital banking Jenius by BTPN revolutionised banking in Indonesia by being the first digital banking app Jenius 12:30 Jenius Total Wealth Equivalent to IDR IDR 500,000,000 Active Balance IDR 800,000 Add Move Send Balance Balance & Pay H Pay Jenius 19.1 Mn+ downloads 4661 5678 1234 5678 1834 18497 04/18 FEBRI RUSLI ~4.2 Mn+ VISA DEBIT Product stack #1 Clarity of information Availability of all account types on app Connect to e-money Paylater and Flexi Cash -> Flexible fund, Online loan of up to IDR 50 million, Credit card Foreign exchange (forex) transactions with Rupiah at Jenius Forex QRIS Payment Savings account in 7 foreign currencies (3 a/c opening options) Mutual Fund Product • Document requirement and a/c opening procedure Eligibility for a/c opening . App should provide user with clear information before asking to register #2 Ease of account opening The verification code to the cell phone number and email sometimes arrives late • 5-step account opening journey • Questions like source of funds, purpose of funds increase steps • No-option to auto-save information if user leave the process in-between #3 KYC authentication KTP and Selfie upload . In case of video-KYC, there should be option to schedule it later • • Long wait time to confirm KTP Does not allow biometric verification during the a/c opening process #4 Time to activate an account Jenius Moneytory active users • Account gets activated instantly • Instant activated virtual card just after the a/c opened twimbit

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