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Investor Presentaiton

Principles of Domestic Non Deliverable Forward (DNDF) Transaction BHINNEKA Bank can perform DNDF Transactions as follows: Transaction between: III 1. Must have Underlying Transactions: Including all following activities : a. b. C. Trade of goods and services Investments, loans, capital, and other investements. Banks credit or financing in foreign currencies (specifically for transactions between bank and customers) Bank Customer Can only be performed to hedge rupiah exchange rate III Bank Foreign Party - Source: Bank Indonesia risk. ✓ Excluding following activities: a. b. C. d. ه نه ة ن ف ة e. f. g. Bank Indonesia certificates; Placement of funds with bank; Unwithdrawn credit facilities; Documents of foreign currencies sales againts rupiah; Money transfer by fund transfer companies Intercompany loan Money changer activities. 2. Nominal of DNDF Transactions ≤ Nominal of Underlying Transactions III III Bank - Bank 3. Tenor of DNDF Transactions ≤ Tenor of Underlying Transactions 124
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