Investor Presentaiton

Market overview Victory Indonesia annual GDP growth is at 5.7%. Banking and financial services contribute 6.8% - 7.2% to the GDP ~> USD 109.8 billion assets for top 6 Indonesian banks in 2022* Fee-income to revenue contribution is at an average of 15% -28% ICT spend to revenue is on average 3% for top 6 Indonesian banks. BTPN has the highest at ~4.4% Over 72 million digital banking users for top 5 Indonesian banks USD 42.9 billion from e-commerce transactions through e-wallets Source: Industry reporting, annual reports and investor presentation * BTPN, Bank Mandiri, BNI, BCA, BRI, Bank Danamon twimbit

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