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Investor Presentaiton

Goal: To become a Top-Class Full Service Financial solution provider bank btpn' A MEMBER OF SMBC Group Enhance, synergize & expand the business to provide full-banking services, capitalizing digitalization and SMBC group's capabilities Deepening Corporate INDONESIA INFRASTRUCTURE FINANCE NIKKO PLNKOSICERITIES INDEPEN Large corporate SMFL Scale-up Individual SMBC sinaya prioritas genuS Further Growth Drivers SMBC G's capabilities Enhance products/service by digitalization and leveraging SMBC High-net-worth group companies' capabilities Corp Japanese Whole Sale Wealth Management Cross sell Jenius by PT SUMMIT OTO FINANCE OTO Kredit Motor Mid-sized corporate Large SME / Commercial OTO Kredit Mobil Jenius Consumer Finance by PT. OTO MULTIARTHA Middle- -class SME Micro business owners productive poor Syariah, btpn' BTPN Syariah SME ↑ Mass market . Digitalization Realize BTPN Group's eco-system by Digitalization Seamless products and services including group companies' services Effective customer acquisition -channel Pursue operational excellence Inorganic strategy for scale-up SMBC 's Global Support Digital Banking
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