Investor Presentaiton

0 Jan-19 Feb-19 1 4 3 2 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 % 5 Mar-20 Apr-20 May-20 NPL Net % 170 160 150 140 130 120 110 100 90 80 70 60 50 40 Jan-19 H Feb-19- Mar-19 - Apr-19- May-19- Jun-19- Jul-19- threshold LA NCD= 50% Aug-19 Sep-19 Oct-19 Nov-19 Dec-19- Jan-20- May-20- Apr-20 Jun-20 Jul-20 % Liquid Assets to Non-Core Deposits Liquid Assets to Deposits (rhs) 240 220 150.96 35 200 180 32.71 30 160 threshold LA to Deposit (rhs) = 10% OGENN 140 25 120 100 80 15 60 10 40 20 Banking NPL ratios in April 2021 were well-managed and remained steadily below threshold at 3.22% gross and 1.02% net. Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Nov-20 Dec-20 Jan-21 Fob-21 Feb-21 Mar-21 Apr-21 ■NPL Gross Source: Financial Service Authority (OJK) *) provisional figures due to the relaxation on financial institutions' report to OJK because of Covid-19 May-21 Manageable Credit Risks with Adequate Liquidity Liquidity risk and capital risk in banking, insurance and capital market industries are slightly impacted as new Covid-19 variant starts to spread and affect the economy... Liquid Assets to Non-Core Deposits and Liquid Assets to Deposits remained well-above the threshold following banks' cautious appetite for lending. *) As of April 2021, Investment Adequacy Ratios of Life and General Insurance Industry remained solid and well above the threshold. *) Aug-20- Sep-20- Oct-20 Dec-20- Nov-20 5 3.35 4 3 2 1.1 1 0 Jan-19 Feb-19- Mar-19- Apr-19- T Jul-19- May-19 Jun-19- Aug-19- Sep-19- Oct-19- Nov-19 Dec-19 Life Insurance threshold Investment Adequacy Ratio= 100% Jan-20 Feb-20 Mar-20 Apr-20- May-20- Jun-20- Jul-20 % 206 As economic conditions are improving, NPF of multi-finance companies is well-managed steadily below the 5% threshold and currently at 3.9% as of April 2021. *) Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 153 4.0 Aug-20- Aug-20- Sep-201 Oct-20- Nov-20- Dec-20- Jan-21 Feb-21 Mar-21 Apr-21 May-21 General Insurance 109.5 196.6

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