Investor Presentaiton

Stronger Fundamentals Facing the Headwinds Inflation Rate (%) IDR Movement (%) Inflation controlled within the target range IDR depreciated year-to-date in September 2020 1998 -197 1998 82,4 2008 2008 12,1 August '20 1.32 (yoy) 1998 16-Sep-20 -35 -6,42 (ytd) -250 -200 -150 -100 -50 0 Non-Performing Loan/NPL (%) NPL level (gross) is below the maximum threshold of 5% 2008 3,8 July 2020 3,22 0 10 20 External Debt (Public & Private) to FX Reserve Ratio Significantly lower than 1998 crisis 30 30 40 Government Debt/GDP Consistently well-maintained 8.6x 1998 3.1x 2008 3.1x 100.0% 1998 27.4% 2008 34.53% Q2-2020 Foreign Reserves (USD bn) Significantly higher than 1998 & 2008, ample to cover 9.0 months of import and external debt repayment 1998 2008 August'20 17,4 50,2 More Liquid Market (%) Overnight interbank money market rate is 62 relatively lower 10,5 3.31 1998 2008 August '20 137 External Debt/GDP Slightly higher than 2008, but significantly lower than 1998 116.8% 1998 33.2% 2008 37.3% August 2020 Q2-2020 BHINNEKA 148

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