Investor Presentaiton

0 1 Jan-19 Apr-19- Jul-19 2 Oct-19 Jan-20 Apr-20 3 Jul-20 4 Oct-20 Jan-21 Apr-21 0 100 200 Jan-19 Apr-19 Jul-19 300 T IDR tn Net Financing 500 400 In February 2023, net financing continued its increasing trend and stood at IDR428.42 Tn or growing by 15.28% yoy. Multi-finance Companies The performance of multi-finance companies continues to improve, as shown by growing financing, a manageable Non Performing Financing (NPF) ratio, and a stable gearing ratio. Oct-19 Jan-20 Apr-20 Jul-20 Oct-20 Jan-21 Apr-21 Jul-21 Oct-21 % YOY Growth (rhs) 20% 6 15.28% 15% 5 428.42 10% 4 5% 0% 3 -5% 2 -10% 1 The gearing ratio of multi-finance companies remained stable at 2.07 times or well below the threshold in February 2023. *) provisional figures due to the relaxation on financial institutions' report to OJK because of Covid-19 Source: Financial Services Authority (OJK) Jul-21 Oct-21. Jan-22. Apr-22 Jul-22 Oct-22 Jan-23 Jan-19 2.07 100 58 50 Apr-19 150 Jul-19 Oct-19 Jan-20 Jan-22 200 Apr-20 Apr-22 Jul-22 Oct-22 Jan-23 IDR Trillion 250 -15% -20% ° Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Oct-20 The Non-Performing Financing ratio of multi-finance companies improved as shown by a decrease to 2.36% in February 2023, well below the 5% threshold. Jan-21 Apr-21 Jul-21 Oct-21 Multi-finance companies' exposure to domestic debt experienced an increase whereas exposure to foreign debt continued its declining trend in February 2023. Domestic Debt Foreign Debt Jul-20 Oct-20 Jan-21 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 Jan-23 58.26 201.23 Jan-22 Apr-22 Jul-22 Oct-22 Jan-23 2.36

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