1.5 3.5 4.7 86.2 75.7 58.4 48.9 37.3 2.0 4.0 5.4 7.3 17.0 7.0 6.1 5.7 5.1 4.7 75.5 66.0 47.1 39.0 51.2 68.0 40.6 26.8 15.0 13.0 12.1 11.4 50.1 35.4 2 we re purc has e d from IBRA Rp34, 485 billion in loans we re

L o a n g ro w th , q u a li ty a n d p ro v is io n in g r e la ti v e t o p e e rs B a n k O n ly , A s o f M a rc h 2 7 199 186 151 92 61 57 51 110 66 84 Lippo BCA BRI D anamon Panin Mandiri Permata N iaga BN I BII R a ti o o f P ro v is io n s t o N P L 105,609 91,059 69,279 57,449 41,243 32,316 23,819 20,630 12,871 21,443 Mandiri BRI BN I BCA D anamon N iaga Permata BII Panin Lippo T o ta l L o a n s R p b n

7.8 -3.4

-6.7 -2.6 0.1 0.2 0.2

0.9 4.0

7.5 Panin

Lippo BN I BRI D anamon BII Permata N iaga Mandiri BCA L o a n G ro w th Y T D

0.4 0.7

1.3 1.5

3.1 3.5

3.9 4.7

5.5 1.7 BCA Lippo BRI D anamon Panin N iaga Permata BII Mandiri BN I N P L R a ti o N e t

87.5 86.2

83.7 75.7

74.7 58.4

55.3 48.9

48.7 37.3

Permata Panin N iaga D anamon BRI BII Mandiri Lippo BN I BCA L o a n t o D e p o s it R a ti o

1.6 2.0

3.2 4.0

5.3 5.4

6.7 7.3

9.5 17.0

BCA Lippo D anamon N iaga BRI BII Permata Panin BN I Mandiri N P L R a ti o G ro s s A v e ra g e A ss e t a n d l ia b il it y m ix r e la ti v e t o p e e rs B a n k O n ly , A s o f M a rc h 2 7

7.1 7.0

6.4 6.1

5.9 5.7

5.2 5.1

4.9 4.7

D anamon N iaga BII Panin Permata BN I Mandiri BRI Lippo BCA

81.8 75.5

66.1 66.0

56.8 47.1

46.5 39.0

47.4 51.2

N iaga Permata BRI Panin D anamon BII Mandiri Lippo BN I BCA

69.6 68.0

67.7 54.2

50.0 47.3

43.9 40.6

29.5 26.8

BCA BRI Lippo Mandiri BN I Panin Permata BII N iaga D anamon 248,678 36,735 33,102 37,356 44,430 49,514 82,508 152,165 173,912 178,100 Mandiri BCA BN I BRI D anamon BII N iaga Permata Panin Lippo L o a n s t o T o ta l Ea rn in g A s s e ts C o s t o f F u n d s p .a . T o ta l A s s e ts R p b n L o w C o s t D e p o s it R a ti o

16.2 15.0

13.2 13.0

12.5 12.1

11.5 11.4

11.3 10.2

BRI D anamon Permata N iaga Panin Lippo BII Mandiri BCA BN I Y ie ld o n A s s e ts p .a . A v e ra g e 189,369 154,100 142,383 121,898 54,327 36,826 36,305 27,242 26,328 23,922 Mandiri BCA BN I BRI D anamon N iaga BII Permata Lippo Panin T o ta l D e p o s it s R p t n E ff ic ie n c y m e a su re s r e la ti v e t o p e e rs B a n k O n ly , A s o f M a rc h 2 7

80.0 69.4

52.3 50.1

49.9 48.6

46.0 45.0

35.6 35.4

Permata BII BN I N iaga BCA D anamon Lippo BRI Mandiri Panin 205 186 185 167 141 112 105 63 130 141 Mandiri Permata Panin Lippo N iaga BCA BN I BRI BII D anamon 8,984 7,531 7,510 7,027 6,614 5,735 5,126 4,178 3,197 1,884 Mandiri BN I BCA N iaga Panin Lippo BII Permata BRI D anamon 6,166 2,388 1,431 2,800 2,803 3,028 3,653 3,664 5,010 5,704 N iaga Panin Mandiri BN I Permata BII Lippo BCA BRI D anamon R e v e n u e Em p lo y e e R p M n C o s t I n c o m e L o a n s E m p lo y e e R p M n D e p o s it s Em p lo y e e R p M n 76 73 69 53 45 37 23 23 53 19 Panin BCA Mandiri Lippo N iaga BRI BN I D anamon BII Permata P re T a x I n c o m e E m p lo y e e R p M n

2.8 3.3