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Investor Presentaiton

Key Financial Ratios - Consolidated pank btpn Dec'21 Ratios (%) (Audited) Jun'22 (Unaudited) Sep'22 (Unaudited) Dec'22 (Audited) AQOQ ΔΥΟΥ NIM 6.56 6.34 6.36 6.32 (0.03) (0.24) NSFR 126.60 121.30 123.05 133.72 10.67 7.12 LCR 187.26 181.28 194.42 229.30 34.88 42.04 Loan to Funding 89.29 98.00 99.11 89.50 (9.60) 0.22 NPL (gross) 1.68 1.35 1.41 1.43 0.02 (0.26) ROA 2.23 2.59 2.49 2.36 (0.13) 0.14 ROE 8.57 10.12 9.62 9.15 (0.48) 0.57 CAR 26.17 25.24 25.01 27.29 2.28 1.12 ■ NIM was lower 0.24% from lower yields, and higher cost of funds. ■ LCR and NSFR were at healthy levels, LCR was recorded at 229.30% and NSFR 133.72% as end of December 2022. ■ Gross NPL 1.43%, lower than the gross NPL ratio reported in the same period last year of 1.68%. ■ CAR was recorded at 27.29%, proportion of core capital is 88% of total capital. A MEMBER OF SMBC Group
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