Investor Presentaiton

Relaxing the Loan-to-value (LTV) and Financing-to-Value (FTV) Ratios* BHINNIKA The LTV/FTV relaxation is conducted while taking into account aspects of prudential and consumer protection* 1. Increasing opportunities of first time buyers to fulfill their housing needs through housing loan, specifically by adjusting the LTV ratio for property loan and the FTV ratio for property financing for the 1st facility, 2nd facility, etc., making the largest LTV ratio for property credit and FTV ratio for property financing as shown in the table below. 2. Relaxing the amount of loan/financing facility through indent mechanism to a maximum of 5 facilities without taking account of the orders 3. Adjusting the arrangement of stages and amount of property loan/financing disbursement of indent property: PROPERTY LOAN & PROPERTY FINANCING BASED ON MURABAHAH & ISTISHNA DEEDS PROPERTY FINANCING BASED ON MMQ & IMBT DEEDS Current Regulation Current Regulation Relaxation Current Regulation Stage and Disbursement Rate House/Office House/Shop Conditions Relaxation PROPERTY TYPE PROPERTY TYPE Property Loan & (m²) Financing Property Loan & Financing Property Financing Property Financing (m²) 1 Ill etc T Il etc 11 Il etc Max. Cumulative disbursement up to 40% of ceiling Max Cumulative disbursement up to 80% of ceiling Max Cumulative disbursement up to 90% of celling Max Cumulative disbursement up to 100% of ceiling etc HOUSE HOUSE Type >70m² 85% 80% 75% 80% Type 22-70m² 85% 60% 85% Type>70m² Type 22-70m² 90% 85% 80% 85% 90% 85% 90% Type <=21m² Type <=21m² APARTMENT APARTMENT Apartment Max. Cumulative disbursement up to 40% of ceiling Max. Cumulative disbursement up to 70% of ceiling Max. Cumulative disbursement up to 90% of ceiling Max Cumulative disbursement up to 100% of ceiling Footing finished Roof toop finished Letter of acceptance signing Letter of acceptance accompanied with deeds of purchase and mortgage deeds/authorization for the assignment of a mortgage Footing finished Roof toop finished Letter of acceptance signing Letter of acceptance accompanied with deeds of purchase and mortgage deeds/authorization for the assignment of a mortgage Type >70m² 85% 80% 75% 80% Type >70m² 90% 85% 80% 85% Relaxation Type 22-70m² 90% 85% 80% 85% Type 22-70m² 90% 85% 80% 85% Type <=21m² 85% 80% 85% Type <=21m² 85% 80% 85% SHOP/OFFICE HOUSE 85% 80% 85% SHOP/OFFICE HOUSE 85% 80% 85% "-"The LTV rate depends on each bank's risk management Stage and Disbursement Rate House/Office House/Shop House Max Cumulative disbursement up to 30% of ceiling Max Cumulative disbursement up to 50% of ceiling Max Cumulative disbursement up to 90% of ceiling Max. Cumulative disbursement up to 100% of ceiling Roof toop finished Letter of acceptance accompanied with deeds of purchase and coverote Conditions After loan deeds Footing finished *As part of further relaxation on macroprudential policy, an adjustment will be applied starting from December 2nd, 2019 Source: Bank Indonesia 117

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