Investor Presentaiton

Business Banking Business Model pank btpn A MEMBER OF SMBC Group Business Banking Group includes SME and Consumer Finance Business Consumer Finance Products FINANCIAL SOLUTION Simple flexible - fast financial services: Loan products (PRK, PB, PAB/Investment Loans) Asset Based Financing Product Financial Growth Market ACCESS TO MARKET Open access to the market: Supply Chain Financing to facilitate customers in dealing with suppliers and buyers Business owner UVP Access to Financial Solution Customer Business Success daya marketing and business network expansion Consumer Finance Joint Financing Asset Based Financing Fintech Refinancing CAPACITY DEVELOPMENT • Mitra Bisnis Info Mitra Bisnis Club SME Target Market dividual names an SMES (under Individual names and PT Company) with annual sales turnover between IDR 2,5 bio and IDR 500 bio Consumer Finance • Multifinance Company . Fintech • Others N Bilateral Loan Underlying Transaction 4 Wheeler 2 Wheeler ⚫ Truck (Light & Heavy). Medical Equipment • Durable Goods SJY Others Asset Based Finance ⚫ Non Collateral

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