Investor Presentaiton

0 Jan-19 Feb-19 Mar-19 1 2 Apr-19 May-19 Jun-19 Jul-19 Aug-19. Sep-19 Oct-19 Nov-19 3 % 4 Dec-19. Jan-20 Feb-20 Mar-2 Apr-20 May-20 Jun-20 Jul-20 Aug-20. Oct-20 Nov-20 Dec-20 Jan-2 0 IDR tn 500 400 300 200 100 Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Oct-20 Net Financing In July 2022, net financing increased to IDR384.6 Tn and continued its positive growth (7.12% yoy). Jan-21 Apr-21 Multi-finance Companies' Performance Continues to Improve The performance of multi-finance companies continues to improve, as shown by growing financing, a manageable NPF ratio, and a stable gearing ratio. The gearing ratio of multi-finance companies stayed below the threshold and stood at 1.98 times in July 2022. Feb-21 Mar-21 Apr-21 May-21 Jun-21 Aug-21 Sep-21 Oct-21 Nov-21. Dec-21 Jan-22 Feb-22 Mar-22 Apr-2 Source: Financial Service Authority (OJK) *) provisional figures due to the relaxation on financial institutions' report to OJK because of Covid-19 Jun-2 YoY % 6 Growth (rhs) 7.12% 10% 5 5% 384.6 0% 4 -5% 3 -10% 2 -15% 1 -20% Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 250 200 1.98 150 100 0 50 Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 0 IDR Trillion 0 Jan-19 Apr-19 Jul-19 Oct-19 Domestic Debt Jan-20 Apr-20 Jul-20 Oct-20 Jan-21 The NPF ratio of multi-finance companies remained manageable at 2.72% in July 2022, well below the 5% threshold.*) Multi-finance companies' exposure to domestic debt slightly increased, whereas exposure to foreign debt remained low in July 2022. *) Oct-20 Jan-21 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 104 Foreign Debt 64.00 159.71 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 2.72

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