Investor Presentaiton

% 180 160 Jan-19 140 120 100 80 60 threshold LA/ NCD= 50% 40 *) provisional figures due to the relaxation on financial institutions' report to OJK because of Covid-19 Source: Financial Services Authority (OJK) 1 Apr-19 Banking Risk Profile and Profitability The banking industry has ample liquidity, robust capitalization, and manageable credit risk. Profitability is consistently maintained at a steady level. The banking NPL ratio continued to further decline to 2.52% gross and 0.77% net as of May 2023, significantly below the threshold. % 5 ■NPL Net 4 3 ■NPL Gross 2,52 20 2 0,77 15 10 Jan-19 Apr-19 25.21% and Tier-1 capital stood at 23.69% as of May 2023. % CAR ■Tier 1 25 The banking sector's Capital Adequacy Ratio (CAR) was steady with a value of Liquid Assets to Non-Core Deposits and Liquid Assets to Third-Party Funds (Total Deposits) remained well above the thresholds. Liquid Assets/Non-Core Deposit (LA/NCD) Liquid Assets/Third-Party Fund (LA/TPF) (rhs) The banking industry's Net Interest Margin and Return on Assets remained steady at 4.79% and 2.69%, respectively, as of May 2023. Net Interest Margin Return on Assets 4,79 4 6 27,52 123,27 20 15 threshold LA to TPF (rhs) = 10% 10 de o no nosong 5 0 % 40 35 4 30 25 2 о Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Oct-20 Jan-21 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 Jan-23 Apr-23 Net Open Position was maintained well below the maximum limit of 20% $ and stood at 1.57% in May 2023. % 3210 Jan-19 Apr-19. Jul 19 Oct-19 Jan-20 Apr-20 Jul-20 Oct-20 Jan-21. Apr-21. Jul-21 Oct-21 Jan-22 Apr-22. Jul-22 Oct-22 Jan-23 Apr-23. 1,57 Jul-19 Oct 19 Jan-20 Apr-20 Jul-20 Oct-20 Jan-21 Apr-21 Jul21 Oct-21 Jan-22 Apr-22 Apr-21 Jul21 Jul22 Oct-22 Jan-23 Apr-23 Oct-21 Jan-22 Apr-22 Jul22 2,69 Oct-22 Jan-23 Apr-23 25,21 23,69

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