Investor Presentaiton

PT. PERMODALAN NASIONAL MADANI Leading Women's Group Lender in Indonesia PNM Permodalan Nasional Madani Loan Composition Balance Sheet Highlight As of 10'23 2021 2022 1Q'22 10'23 g YoY Total Assets 43,712 46,833 45,029 50,903 13.0% Loan Outstanding (Gross) 34,523 42,595 36,839 45,761 24.2% Total Liability 37,274 39,405 38,338 43,044 12.3% Total Equity 6,438 7,429 6,691 7,859 17.5% Income Statement Highlight 2021 2022 1Q'22 1Q'23 Net Interest Income 6,119 10,236 2,086 Other Operating Income 236 314 68 3,148 62 g YoY 50.9% -9.3% 86% Overhead Cost 4,739 7,141 1,304 2,255 72.9% Net Income After Tax 845 992 257 433 68.5% Key Ratios NIM COF BOPO CIR 2021 2022 1Q'22 10'23 ΔΥΟΥ 20.2% 26.3% 23.4% 28.4% 9.7% 8.6% 88.3% 7.6% 90.3% 8.9% 6.9% -1.9% 89.4% 86.1% -3.3% 74.5% 67.7% 60.5% 70.2% 9.7% The largest group lending provider in Indonesia 12% BRI 2% ■Mekaar ULAMM Others Products & Services ■ Mekaar group lending for female borrowers ■ ULAMM Micro lending Extensive Network & Sales Force " Catering to more than 14.5 Mn borrowers Providing loans that are aimed to empower underprivileged women TITTIT Extensive network with +4,400 outlets across Indonesia Strong sales force with +40,000 account officers 48

View entire presentation