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Investor Presentaiton

Strengthened Private External Debt Risk Management Debt Burden Indicator (External Debt/GDP) Remains Comparable to Peers Rating BHINNIKA Encouraging Corporates Compliance on Hedging Ratio & Liquidity Ratio External Debt/GDP (%) Uruguay Philippines 24,2 24,7 86,1 93,9 76,2 258; 10.2% 22,2 35,3 Indonesia 35,3 36.1 48,7 Colombia 53 ■2021F ≤ 3 months 42,7 2020F 53,6 Bulgaria 56,6 2019 56,3 2.260; 89.8% 0 20 40 60 80 100 Source: Moody's Credit View Fundamental Data, July 2020 Regulation on Prudential Principle in Managing External Debt Phase 1 Regulation Key Points Jan 1,2015 - Dec 31,2015 Phase 2 Jan 1,2016 - Dec 31,2016 Phase 3 Jan 1, 2017 & beyond Object of Regulation Governs all Foreign Currency Debt Hedging Ratio < 3 months > 3 6 months Liquidity Ratio (< 3 months) Credit Rating Hedging transaction to meet hedge ratio 20%* 20%* 50% Not applicable 25%** 25%** 70% Minimum rating of BB- Must be done with a bank in Indonesia not necessarily be done with a bank in Indonesia Sanction Source: Bank Indonesia As of Q IV-2015 Applied Hedging Ratio* Liquidity Ratio* 306; 12.2% 2.212; 87.8% 167; 6.6% > 3-6 months ■ Comply ■Not Comply *Data as of Q1 2020, with total population 2.518 corporates Source: Bank Indonesia 2.351; 93.4% 56
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