Investor Presentaiton

0 1 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 2 3 Aug-19 Sep-19. Oct-19 Nov-19 Dec-19 4 % ון Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 0 IDR tn 500 400 300 200 100 Jan-19 Feb- Mar- Apr-19 Oct-19 Aug-2 Sep-20 Oct- Nov-20 Financing In February 2022, financing stood at IDR372 trillion and maintained its positive growth (2.43% y-on-y). Multi-finance Companies' Performance Continues to Improve Multi-finance companies' performance continues to improve, shown by growing financing and manageable NPF, supported by a stable gearing ratio. Gearing ratio of multi-finance companies remained stable and below the threshold with a ratio of 1.94 times in February 2022. Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21 Aug-21 Sep-21 Oct-21 Nov-21 Dec-21 Jan-22 Dec- Jan- -eb- Mar- Apr- May-21 Jun-21 9 60 YOY Growth (rhs) 10% 5 372 5% 4 0% 2.43% -5% 3 -10% 2 -15% 1 -20% 0 Source: Financial Service Authority (OJK) *) provisional figures due to the relaxation on financial institutions' report to OJK because of Covid-19 Feb-22 % IDR Trillion 250 200 1.94 150 100 50 0 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19. Sep-19 Oct-19_ Nov-19 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 % NPF of multi-finance companies remained below the 5% threshold and was recorded at 3.25% as of February 2022. *) Jan-19 May-19 Sep-19 Feb-20 Jun-20 Oct-20 Feb-21 Jun-21 Oct-21 Feb-22 Domestic Debt Multi-finance companies' exposure to foreign and domestic debt remained low despite an increase in domestic debt. *) Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21. Feb-21 Mar-21 Apr-21 May-21. Jun-21 Jul-21 Aug-21 Sep-21. Oct-21. Nov-21 Dec-21 Jan-22 Feb-22 103 Foreign Debt 3.25

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