Investor Presentaiton

LOAN QUALITY AND COVERAGE NPL & NPL Coverage LAR & LAR Coverage 305.73% 281.16% 282.49% 239.20% 47.2% 185.94% 154.63% 44.7% 28.3% 36.1% 3.00% 2.88% 2.86% 2.80% 2.67% 23.3% 2.28% 35.5 17.8 39.2 25.3 87.8 93.1 95.2 70.4 25.8% (BRI 49.4% 49.2% 16.5% 16.4% 9.8% 9.2% 248.9 243.0 188.4 193.4 29.4 31.2 30.4 33.7 73.2 84.1 2018 2019 2020 2021 2022 1Q'23 Provision (IDR Tn) NPL (IDR Tn) -NPL % ONPL Coverage 2018 2019 2020 LAR (IDR Tn) LAR % 2021 2022 1Q'23 LAR Coverage Since 2021, LAR and LAR Coverage are presented in consolidated number 35

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