Indonesia's COVID-19 Vaccination and Economic Resilience Strategy

15% 10% 5% 0% -5% -10% Jan-19 YoY Source: Financial Service Authority (OJK) 0% -2% -4% -6% Jan-19 Apr-19 Jul-19 Oct-19 MSMEs Jan-20 Apr-20 Jul-20 Oct-20 Signs of Recovery in Financial Intermediations Apr-21 Jul-21 Amidst the slowing-down in economic recovery, bank loans continued to grow, supported by Working Capital and Corporation loans, while the funding side grew relatively steady, indicating a growing lending appetite. Loan LOAN In October 2022, bank loans continued to grow by 11.95% (yoy), while Third-Party Funds (Total Deposits) steadily grow at 9.41% (yoy). YOY 14% 12% 10% 8% 6% TT 4% YOY Third-Party Fund (Deposits) 20% 11.95% 15% 9.41% 10% 5% 2% All types of loans continued their positive trend, particularly Investment loans, which grew by 13.65% (yoy) in October 2022, indicating gradual recovery for businesses. Working Capital Investment Consumption - Total 13.65% 12.92% 11.95% 8.79% Loan growth by segmentation continued to improve in October 2022, driven by Corporation loans, which grew by 14.85% (yoy). Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Oct-20 Consumption Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 1 Corporation - Total YoY 14.85% 30% 11.95% 25% 9.78% 20% 8.79% 15% 10% 5% Jan-21 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 -5% 0% 0% -5% -10% Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Oct-20 Jan-21 Apr-2 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 1 As corporate expenditure and household consumption increased, Third-Party Funds (Total Deposits) grew relatively high in October 2022, supported by Demand Deposits and Savings, which increased by 22.33% and 8.49% (yoy), Deposits Savings Demand Deposits - Third-Party Fund Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 M Apr-20 Jul-20 Oct-20 Jan-21 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 119 22.33% 9.41% 8.49% 1.05%

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