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Financial Highlights - Key Ratios NIM 2019 2020 2021 2022 4.10% 3.10% 1.90% 2.50% Cost to Income 17.10% 16.10% 22.70% 17.00% DER VSMI PT SARANA MULTI INFRASTRUKTUR (PERSERO) NIM increased YoY, with the expectation of further improvement following the projection of the reference rate. 1.03x 1.66x 1.92x 1.85x ROA, ROE is also increase due to the higher revenue YoY. ROA 2.25% 1.89% 1.60% 1.98% ROE 4.62% 5.08% 4.70% 5.71% LLP 192.8% 462.3% 172.5% 254.9% NPL Gross 1.16% 0.60% 1.19% 0.76% NPL Net 0.05% 0.02% 0.58% 0.34% PT Sarana Multi Infrastruktur (Persero) | 16

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