Investor Presentaiton

15% 10% 5% 0% -5% -10% Jan-19 Apr-19 Jul-19 YoY Source: Financial Service Authority (OJK Oct-19 Jan-20 -2% -4% -6% Jan-19 Apr-19 Signs of Recovery in Financial Intermediations LOAN In July 2022, bank loans continued to grow by 10.71% (yoy), while Third Party Funds (Deposits) grew relatively stable by 8.59% (yoy). YOY Loan Third-Party Fund (Deposits) 14% 12% 10% 8% 6% 4% 2% 0% Jul-19 Oct-19 Jan-20 Apr-20 As the economy continues to recover, bank loans experience growth, supported by Working Capital and Corporation loans, while the funding side grows at a relatively steady pace, indicating a growing lending appetite. All types of loans continued their positive trend, particularly Working Capital loans, which grew by 13.05% (yoy) in July 2022, indicating that businesses are gradually recovering. Jul-20 Oct-20 Jan-21 Apr-21] Loan growth by segmentation continued to improve in July 2022, driven by Corporation loans, which grew by 12.42% (yoy). MSMEs Consumption Apr-20 Jul-20 Oct-20 Jan-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 YoY Corporation - Total 12.42% 30% 10.87% 25% 10.71% 20% 7.62% 15% 10% 5% Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22222 0% -5% YoY 20% 10.71% 15% 8.59% 10% 5% 0% Working Capital Investment Consumption ■ Total -5% -10% Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Oct-201 Jan-21 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jur-22 As lending appetite started to improve, Third-Party Funds (Total Deposits) grew in July 2022, supported by Current Account and Savings, which increased by 18% and 11.99% (yoy), respectively. Deposits Savings Current Account -- -Third-Party Fund 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-222 18.00% 11.99% 8.59% -0.17% 102 13.05% 10.71% 9.98% 7.62%

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