Investor Presentaiton

Stimuli to Support Indonesia's Financial Industry OJK and other government institutions have worked intensively to minimize the impact of COVID- 19 on the economy 1 Maintaining business fundamental of the real sector 2 KANN Bank NBFI OJK Regulation No. 48/POJK.03/2020 on "Extension of National Economic Stimulus as A Countercyclical Policy of The Impacts of COVID-19 Outbreak" Amended *OJK Regulation No. 11/POJK.03/2020 Relaxation of credit assessment and credit restructuring to debtors who are affected by COVID-19. - Credit assessment (up to IDR10 billion) is based only on one pillar, the punctuality of debtors to pay their debts and interests. This applies to Commercial and Sharia Banks ▪ This regulation also amended several other conditions, including: " Banks' Management Risk Implementation Credit Restructuring Mechanism Banks' Capital and Liquidity Policy Banks' Reporting Mechanism Valid until March 31st, 2022 OJK Regulation No. 58/POJK.05/2020 on "Extension of Countercyclical Policy as an Impact of COVID-19 for Non-Bank Financial Institution (NBFI)" Amended *OJK Regulation No. 14/POJK.05/2020 Extended deadline of report submission Relaxation of financing assessment Financing Restructuring This regulation also add other conditions and further relaxations including: Communication Mechanism for Insurance through Video Conference Working Capital Facility Relaxation of corporate debt issuance Valid until April 17th, 2022 Source: Financial Service Authority (OJK) companies Supporting National Economic Recovery Continuing Capital Market Stabilitzation - - Prohibition of short-selling, Asymmetric Auto Rejection (current auto rejection limits under 7%), 30-minute Trading Halt for 5% decrease in IHSG, Stock buyback without prior general shareholders meeting. Mortgage Credit/Financing Policy Reducing Risk-Weighted Asset (RWA) for residential property mortgages depending on a Loan to Value (LTV) ratio. Vehicle Credit/Financing Policy Reducing RWA for vehicle loan/financing. Allowing insurance company to set the premium/contribution rate for vehicle insurance lower than the lower threshold as regulated in SEOJK 6/2017. Allowing bank and multifinance companies with certain criteria to provide loan with down payment (DP) 0%. Health Sector Credit Policy Reducing credit RWA from 100% to 50%. Digitizing MSMEs Expanding the ecosystem for MSMEs digitization from upstream to downstream with the UMKMMU and BWM Mobile platforms. Support to Sovereign Wealth Fund (SWF) Provision of funds to SWF is subject to a risk weight of 0% in the calculation of RWA for credit risk. *) OJK Regulations in Response to Government Regulation in Lieu of Law No. 1 Year 2020 to maintain financial stability and economic activities. 156

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