Investor Presentaiton

BTPN Financial results*1 Customer Jan-Mar. Retail Wholesale 2019 2020 2021 (JPY bn) 2022 sinaya Gross banking profit 99.6 91.1 106.2 28.2 btpn Operating expenses 56.3 50.9 56.6 14.8 High-net-worth Large corporations Mid-sized corporations SMBC ·--- Middle class Jenius Net profits 20.3 12.9 21.6 6.4 SM Es bisnis btpn' ROE 9.9% 6.1% 8.6% 9.2% pure btpn Mass market Micro business Loans 1,119.9 Deposits Total assets 686.8 1,434.9 1,355.4 1,008.0 1,098.4 745.8 886.0 1,554.5 1,210.1 btpr owners 907.2 1,635.4 mitra usaha skyst btprí Syariah btpn' SMBC's Global Support Net interest margin" (%) 6.6 6.9 5.1 5.1 4.7 NPL ratio *2 (%) 3.7 3.1 2.7 2.2 1.5 Digital Banking Loan breakdown*3 BTPN Syariah Retail Banking 8% 21% Business Banking 10% Corporate Banking 61% BNI Mandiri BCA BTPN BRI BTPN BCA Mandiri BRI BNI *1 TTM as of Dec. 19: IDR 1 = JPY 0.0079, Dec. 20: IDR 1 = JPY 0.0074, Dec. 21: IDR 1 = JPY 0.0081, Mar. 22: IDR 1 = JPY 0.0085 *2 Based on each company's disclosure (Dec. 21 results) *3 As of Dec. 21 Copyright ©2022 Sumitomo Mitsui Financial Group. All Rights Reserved. 39 39

View entire presentation