Investor Presentaiton

DS R&C JCIB GCB GCIB Global Markets AM/IS Bank Danamon Financial results*1 (\bn) VS FY22 YOY FY23Q1 (IDR1 ¥0.0085) FY22Q1 Gross profits 143.9 +0.7 37.3 +2.2 Expenses 78.3 +5.3 20.5 +1.8 NOP 65.6 (4.5) 16.8 +0.3 Strengthen retail business Investment in branches / IT / branding • Increase investment in retail banking to expand the customer base in the future Strengthen auto business • Customer referrals between BDI and Adira Acquire new profit sources through M&A • Strengthen corporate business such as trucks and heavy machinery • Raise brand recognition by sponsoring events Old interior New interior MUFG Danamon ADIRA Credit costs 28.0 (20.3) 7.5 +0.8 Net profits 28.0 +14.7 6.9 (0.3) Loan end balance ▲ Example: Branch rebranding AIIMS (Indonesia International Motor Show) 1.2 +0.1 1.2 +0.1 (\tn) ■BDI Adira Finance Loan balance continues to grow, NPL ratio on a decline Loan balance (\tn) NPL ratio BDI Mid-tier bank average*2 +17% 1.23 1.27 3.0% 1.09 2.7% 2.7% + 0.34 0.38 FY21 FY22 +19% 2.7% 2.6% 0.41 2.4% FY23Q1 FY21 FY22 FY23Q1 *1 Based on local disclosure standards in Indonesian GAAP *2 Average of BTN, CIMB Niaga, Maybank, OCBC, and BTPN Create new profit source and expand business platform Enhance collaboration with Home Credit Indonesia (HCI) Danamon A member of MUFG, a global financial group . Cross-selling of BDI / Adira products HOME CREDIT Enhanced collabo- ration M . Financing support • FINANCE Sharing digital knowledge ADIRA MANDALA FINANCE M&A strategy Acquisition of Mandala Multifinance; enhancement of auto loans in collaboration with Adira (to be completed at the beginning of 2024) S standard chartered Acquisition of Standard Chartered Bank's retail assets in Indonesia (to be completed at end-2023) MUFG 27

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