Investor Presentaiton

FY 2023 Executive Summary • • • • • • NPAT increased by 23% YoY to Rp4.09 trillion Total Assets grew 5% YoY to Rp250 trillion Loans increased 12% YoY to Rp154 trillion Deposits increased 3% YoY to Rp182 trillion LDR was 83.8% while Loan-to-funding ratio was 82.5% CASA ratio increased to 55.8% NPL-Gross stood at 1.6%, while NPL-Net at 0.6% CAR was at 23.7%, with tier 1 capital ratio of 22.6% Corporate Rating is AAA with stable outlook Operating 199 offices and 496 ATMs along with various digital channels > OCBC 4

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