Investor Presentaiton

COVID-19 Restructured Loan as of December 2022 Restructured Loan end of December 2022 pank btpn Proportion to Total Loan A MEMBER OF SMBC Group 11% 36% 3% 4.8% 7.5% 6.1% 5.2% 10.6% 16.4% 14.7% IDR 7.6T 24% 59% 95.2% 89.4% 92.5% 93.9% 94.8% 83.6% 85.3% Corporate SME T Consumer Finance Micro Corporate SME Consumer Finance Micro ■BTPN Syariah Commercial Note: Outstanding Restructured Loan as of 31 Dec 2022 Non-Restructured Loan BTPN Syariah Commercial Total Loan Restructured Loan

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