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Investor Presentaiton

IDR Tn 180 160 140 120 100 80 60 40 20 0 2017 2016 Source: Financial Service Authority (OJK) Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Capital raising through securities issuance reaches IDR 100 Tn as of November-20 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 ΠΙΡΟ ■Rights Issue Corporate Bond & Sukuk May-20 Jun-20 Jul-20 Aug-20 Financial Intermediation Affected Economic Activities Banking intermediation falls to a slight contraction in October 2020 and non-bank financial institutions growth remains negative as the pandemic still affects economic activities... Activity of several industries and banks' focus on restructuring loans pushed credit contracting in Oct-20 by 0.47% Growth of financing distributed by multi-finance companies remains contracting in Oct-20 by 15.7% Bank Loans IDR Tn 6,000 5,000 4,000 3,000 2,000 1,000 Growth (yoy) 5480 YOX% IDR tn Financing Growth (rhs) 4% 500 12% 10% 400 8% 300 6% 4% 200 -0.47% 2% 100 0% -2% YOY 10% 5% 379.9 0% -5% -10% -15% -15.7% -20% 16.9 4.5 -10 2018 2019 until Nov'20 -30 30 78.6 10 10 Jan-19 Feb-19 Mar-19 Apr-19 May 19 50 50 Sep-20 Oct-20 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 As of Oct-20, Life insurance and general insurance premium are contracting by 8.5% and 1.0% respectively -Life Insurance Premium Growth General & Reinsurance Premium Growth Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 133 -8.5 -1.0 Nov-19 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20
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