Investor Presentaiton

Digital Banking Transformation Blueprint The Blueprint for Digital Banking Transformation, which was released on 26 Oct 2021, will provide directions for the development of banking digitalization which includes the following aspects: Data Technology Data Protection IT Governance Technology Architecture Data Transfer Data Governance Emerging Technology & Application Machine Learning • ΑΙ • Cloud Computing • Open API • Block Chain / Distributed Ledger Technology Regtech Suptech Customer Engagement Source: Financial Service Authority (OJK) Risk Management Collaboration Institutional Arrangement IT Risk Management Platform Sharing Finance & Investment Outsourcing Cooperation Cybersecurity between financial institutions and non- financial institutions Culture Leadership Organizational Design Talent Customer Customer Experience Customer Insight Customer Trust and Perception Customers with Disability 113

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