Materi Kinerja Perusahaan s.d DES 2020 _Dirkeu v5

Tren Nominal Pencairan Non Tunai Desember 2020 Tren Pencairan Non Tunai Bulanan (dalam juta rupiah) Ranking Nominal Pencairan Non Tunai 70% 2100000,0 60,2% 268.044 267.040 60% 1800000,0 50% 1500000,0 40% 30% 1200000,0 158.180 20% 12,4% 18,0% 131.054 128.955 118.972 116.817 112.080 10% 5,9% 900000,0 92.482 91.190 76.804 -0,6% 0,5% 2,4% 1,8% -1,4% 48.712 00% 600000,0 -12,1% -10,3% -10% -16,1% -11,2% 1.262.687 300000,0 1.254.757 -20% 1.409.828 1.417.238 1.245.916 6.565 1.045.368 1.674.536 1.976.024 1.947.445 1.993.501 1.787.359 1.820.214 1.616.895 -30% - Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Juni 20 Juli 20 Agst 20 Sept 20 Okt 20 Nov 20 Des 20 JKT1 JKT2 BPN MDN SBY PLB PKU SMG MKS BDG MDO DPS KANPUS Pencairan Non Tunai Growth MoM (%) GADAI NON GADAI TOTAL Trend pencairan non tunai (bulanan) pada bulan Desember 2020 turun 11,2% MoM, hal seiring dengan penurunan omset pencairan sebesar 8,4% MoM dan juga penurunan omset all 9,6% MoM. Jika melihat ranking per Kanwil data nominal pencairan non tunai bulan Desember belum ada perubahan dari bulan – bulan sebelumnya di tahun 2020 dimana realisasi nominal tertinggi ada pada Kanwil Jakarta 1 dan terendah secara nominal Kantor Pusat dikarenakan adanya pencairan produk-produk baru yaitu Gadai Efek, Pinjaman Modal Kerja dan Direct Lending namun secara persentase maka Kantor Pusat yang tertinggi dikarenakan pencairan semua produk yang disalurkan seluruhnya menggunakan transaksi non tunai. 51

Nominal Pencairan Non Tunai sd. Desember 2020 (Dalam jutaan kecuali yg dinyatakan lain) PENCAIRAN NON TUNAI S.D DES 20 Σ Pencairan 7.217.989 Bank Σ Pencairan Kredit Baru Pencairan 4.989.507 Non Tunai Produk % Pencairan Non Tunai Σ Pencairan 3.928.704 No Kanwil (Pembiayaan) Pembiayaan Non Tunai Non Tunai 2.564.217 TE 267.507 BCA BNI BRI Mandiri Permata BTN Bank Lain Maybank 43.513 10.411 12 3456 7 89 10 11 12=10/11 13 14=11+13 1.349 1 Kanpus 2.336 2.354 64 53.516 - - - - 58.271 59.277 98,3% - 58.271 2 Jakarta2 2.025.165 150.166 166.020 587.965 1.272 3 Jakarta1 1.486.551 239.168 302.326 567.990 4.036 4.554 9.831 74 2.945.048 9.014.377 32,7% 131.410 3.076.457 4 Pekanbaru 265.848 213.174 412.930 283.062 469 5 Balikpapan 428.631 306.204 725.732 524.370 763 10.890 20.285 275 2.631.521 9.823.177 26,8% 134.037 2.765.557 6 Palembang 336.747 197.247 267.967 244.144 316 7 Medan 233.050 260.240 744.351 337.442 1.688 4.977 28.158 203 1.208.821 4.965.261 24,3% 41.543 1.250.364 8 Manado 174.159 202.521 538.787 322.147 9 Semarang 565.895 274.717 504.717 216.506 92 5.153 48.475 139 2.039.467 8.601.869 23,7% 77.096 2.116.564 10 Bandung 561.882 165.111 173.268 178.350 423 11 Surabaya 787.888 119.864 329.556 297.565 303 2.393 19.454 49 1.068.318 4.775.773 22,4% 44.294 1.112.612 12 Makasar 127.611 309.910 576.741 170.513 490 13 Denpasar 222.225 123.541 247.047 145.134 148 1.895 58.215 125 1.637.007 8.873.282 18,4% 29.113 1.666.120 7.217.989 2.564.217 4.989.507 3.928.704 410 Persentase nominal pencairan non tunai sd Total 10.411 1.937 25.815 65 1.265.523 7.894.541 16,0% 29.425 1.294.948 bulan Desember terdapat kenaikan 0,2% dibanding sd November 2020. Persentase 2.509 15.107 147 1.580.020 10.939.050 14,4% 78.520 1.658.540 nominal pencairan non tunai sd November 2020 17,0% dan sd Desember 2020 17,2%. 1.829 5.248 44 1.086.036 8.333.082 13,0% 69.992 1.156.028 Terendah masih di Kanwil Denpasar dan tertinggi di Kantor Pusat serta Kanwil Jakarta 2.670 12.064 47 1.550.144 13.625.166 11,4% 93.713 1.643.856 2 di posisi kedua. 3.011 8.347 61 1.196.342 13.080.235 9,1% 21.960 1.218.303 52 1.695 16.509 118 756.680 10.425.321 7,3% 51.047 807.727 43.513 267.507 1.349 19.023.198 110.410.409 17,2% 802.148 19.825.345

Pencairan Non Tunai sd. Desember 2020 (Berdasarkan Transaksi) Ach (%) Trx Pencairan Non Tunai Thd Target 2020 500000,0 250% 450000,0 400000,0 205,3% 184,4% 183,1% 176,6% 171,0% 158,9% 157,2% 156,6% 153,7% 150,3% 140,9% 200% 350000,0 MDN MKS DPS SMG BDG MDO SBY PKU JKT 1 300000,0 BPN JKT 2 135,7% 150% 250000,0 200000,0 100% 150000,0 100000,0 118.743 50% 243.749 50000,0 114.028 - 210.265 89.414 163.676 206.535 364.764 103.675 177.306 190.116 302.090 142.998 224.759 160.927 252.083 111.341 171.117 298.877 449.069 290.037 408.654 106.831 144.935 00% PLB Target 2020 Realisasi s.d Nov 20 Achievement Uraian Avg Total MDN PKU PLB BPN MDO MKS DPS JKT 1 JKT 2 BDG SMG SBY 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Pencapaian Transaksi Pencairan Non Tunai (Disbursement) Target 2020 161.127 1.933.522 118.743 111.341 106.831 190.116 142.998 114.028 89.414 290.037 298.877 103.675 206.535 160.927 Realisasi Jan 20 13.639 163.675 8.927 8.618 8.534 15.578 11.932 8.742 8.810 24.195 26.765 9.361 19.959 12.244 Realisasi Feb 20 14.600 175.222 10.172 9.537 8.503 17.282 12.128 13.345 11.593 24.517 24.881 9.635 21.766 11.844 Realisasi Mar 20 14.823 177.897 10.196 9.704 8.774 17.919 13.252 13.619 11.271 23.582 24.054 9.972 22.912 12.626 Realisasi Apr 20 13.553 162.642 13.650 9.057 7.715 17.871 12.637 12.142 10.253 16.683 16.981 9.558 23.226 12.865 Realisasi Mei 20 11.118 133.433 14.877 7.398 6.113 14.306 9.782 11.898 8.663 11.663 13.624 6.580 19.068 9.447 Realisasi Juni 20 23.134 277.624 31.169 19.174 12.342 29.432 26.008 26.014 14.312 25.668 26.472 13.939 36.107 16.967 Realisasi Juli 20 29.221 350.675 36.706 23.008 14.128 34.727 23.054 33.153 15.906 41.922 42.011 18.442 46.139 21.461 Realisasi Agt 20 26.644 319.748 29.451 18.661 12.187 32.412 19.679 22.116 16.131 43.725 42.589 17.918 40.875 23.980 Realisasi Sept 20 33.610 403.336 29.502 17.285 16.397 37.130 27.315 25.761 26.581 48.437 66.097 21.045 43.316 44.449 Realisasi Okt 20 32.428 389.170 23.764 16.922 19.823 34.658 33.475 19.435 16.976 47.439 74.404 20.714 41.105 40.424 Realisasi Nov 20 26.437 317.269 20.679 16.747 17.012 29.147 21.981 13.737 12.326 51.726 54.373 22.493 30.055 26.967 Realisasi Des 20 20.165 242.001 14.656 15.006 13.407 21.628 13.516 10.303 10.854 49.097 36.818 17.649 20.236 18.809 Realisasi s.d Des 20 259.372 3.112.692 243.749 171.117 144.935 302.090 224.759 210.265 163.676 408.654 449.069 177.306 364.764 252.083 Achievement 160,97% 160,99% 205,27% 153,69% 135,67% 158,90% 157,18% 184,40% 183,05% 140,90% 150,25% 171,02% 176,61% 156,64% 53 Growth MoM -23,72% -23,72% -29,13% -10,40% -21,19% -25,80% -38,51% -25,00% -11,94% -5,08% -32,29% -21,54% -32,67% -30,25%

Grafik Pencairan Non Tunai Berdasarkan Bank sd. Desember 2020 BCA BNI BRI Mandiri Permata BTN Bank Lain Maybank 54

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Transaksi Disbursement Berdasarkan Channel sd Desember 2020 Total pencairan non tunai/disbursement sampai dengan Desember tahun Transaksi Disburse By Flag 2020 adalah sebanyak 3.127.660 transaksi dengan rincian seperti tersebut dibawah ini. Untuk channel penyalur disbursement tertinggi sebesar SYARIAH 85,50% masih berada di channel Outlet dan channel Pegadaian Digital KONVEN sebagai terbesar kedua sebesar 13,58%. Komposisi disbursement terbesar masih disumbang dari produk pembiayaan gadai sebesar 93,82%, produk pembiayaan non gadai 0,50% dan sisanya dari produk tabungan emas 5,68% 99,51% CHANNEL TRX DISBURSE Komposisi Disbursment Sukses 3.112.313 trx 2.661.352 0,50% 5,68% 0,01% Suspect 364 trx 421.532 93,82% 0,48% Gagal 14.472 11 14.019 1.291 Gadai Non Gadai Tabungan Emas 14.983 trx 56

Transaksi Collection Non Tunai (1/2) Trx Collection Per Kanwil Trx Collection Per Bulan 902.561 669.977 670.291 643.372 746.360 617.969 575.342 625.413 498.602 532.607 548.434 530.536 363.714 429.741 433.956 376.806 290.873 296.171 339.717 235.043 254.499 257.449 228.559 MDN PKU PLB BPN MDO MKS DPS JKT 1 JKT 2 BDG SMG SBY JAN FEB MAR APR MEI JUN JUL AGS SEP OKT NOV Uraian Total MDN PKU PLB BPN MDO MKS DPS JKT 1 JKT 2 BDG SMG SBY 4 5 6 7 8 9 10 11 12 13 14 15 13 6.330 7.588 9.970 14.170 11.890 14.113 Transaksi Collection Non Tunai 7.372 9.571 10.109 14.885 12.391 19.350 9.088 10.514 12.496 18.060 14.589 23.991 Realisasi Jan 20 235.043 13.843 13.796 16.078 24.757 21.211 35.896 14.698 29.747 52.396 18.042 21.285 19.199 21.361 18.884 16.579 29.164 25.491 63.658 16.418 31.198 53.019 19.328 21.885 19.332 Realisasi Feb 20 254.499 23.182 24.173 17.765 31.488 45.057 69.163 20.604 38.193 55.430 24.542 25.158 23.846 31.622 26.849 20.232 34.831 34.823 77.988 29.218 62.261 62.896 29.309 33.151 25.844 Realisasi Mar 20 290.873 36.953 24.240 20.802 39.365 32.478 73.012 53.905 70.173 71.100 36.531 45.077 32.604 40.136 30.059 24.981 39.293 40.781 71.395 59.844 57.562 68.126 36.515 43.739 32.593 Realisasi Apr 20 376.806 40.710 30.217 28.664 40.244 40.578 67.023 57.350 63.909 76.294 38.634 50.750 37.755 34.451 32.029 28.349 41.524 33.253 59.950 63.987 74.336 78.645 42.237 59.356 50.394 Realisasi Mei 20 498.602 31.123 29.529 22.534 35.933 27.175 49.874 69.959 74.500 97.793 45.226 58.391 50.586 296.171 257.449 228.559 363.714 339.717 625.413 65.032 78.850 96.425 47.320 61.637 49.794 Realisasi Juni 20 532.607 -9,66% -7,81% -20,51% -13,46% -18,28% -16,81% 54.527 81.506 98.973 48.962 64.077 49.357 42.892 84.125 91.464 43.095 46.030 42.652 Realisasi Juli 20 575.342 548.434 746.360 902.561 429.741 530.536 433.956 -21,34% -7,59% -11,98% -28,16% -13,58% Realisasi Agt 20 617.969 3,21% Realisasi Sept 20 669.977 Realisasi Okt 20 670.291 Realisasi Nov 20 627.985 Realisasi Des 20 547.279 Realisasi s.d Des 20 5.921.894 57 Growth MoM -12,85%

Transaksi Collection Non Tunai (2/2) Uraian JAN FEB MAR APR MEI JUN JUL AGS SEP OKT NOV DES TOTAL 7 8 9 10 11 12 13 14 15 16 1 456 Transaksi Collection Non Tunai Berdasarkan Jenis Bank PEGADAIAN DIGITAL 112.293 125.522 146.374 177.637 230.260 264.151 284.952 317.925 326.741 316.154 290.973 204.890 2.797.872 112.377 112.236 132.138 154.077 139.748 166.968 163.906 175.821 189.231 1.637.619 OUTLET 88.606 97.810 104.701 29.394 77.480 70.413 64.873 75.823 69.614 74.818 67.953 60.143 10.413 15.840 22.090 27.383 49.883 52.996 42.321 32.317 622.896 AGENT PEGADAIAN 10.135 9.884 12.366 8.702 24.588 16.684 16.548 19.007 19.532 22.000 21.046 26.112 277.787 20.402 13.048 10.287 10.600 11.481 12.288 11.968 12.108 14.700 202.146 PDS SYARIAH 4.912 5.384 5.546 10.456 12.357 16.707 13.404 124.230 6.583 9.047 8.104 8.744 9.771 9.416 10.788 10.957 10.668 105.077 BCA 4.861 4.668 6.698 7.679 15.391 10.439 8.722 11.053 9.685 104.858 3.557 6.127 4.523 4.707 5.745 5.827 5.280 5.459 5.021 48.496 MANDIRI 5.509 5.333 6.452 1 12 28 29 33 23 24 27 27 569 BNI 4.308 1.921 4.715 18 498.602 532.607 575.342 617.969 669.977 670.291 643.372 556.513 344 376.806 5.921.894 BRI 3.110 2.886 3.480 AGENT PEGADAIAN SYARIAH 985 756 509 BPO Collector 287 280 1 LOS Application 37 55 31 Total 235.043 254.499 290.873 Transaksi Collection Non Tunai Dari Marketplace TOKOPEDIA 528.664 491.310 768.726 1.272.401 958.741 658.701 604.235 615.745 581.065 547.884 407.945 526.113 7.961.530 3.670 2.593 28 320 8.300 641.981 1.266.519 1.890.213 3.807.361 SHOPEE 201 2.725 2.556 3.929 3.054 75 585 2.829 3.468 2.121 4.855 4.191 5.415 31.151 SYB Tokopedia 751 1.061 2.411 2.220 1.609 2.073 496 61 41 1.309 1.961 1.176 2.089 2.044 2.120 28.755 HCMS 2.186 2.281 2.995 112 86 1.193 513 1.817 47 982 2.952 40 4.083 1.936 13.678 SYB LinkAja 3 966.135 665.623 1.207 146 1.548 1.464 28 10.926 4 1.464.737 1.198.230 73 11 158 4.947 AGEN MITRA BUKALAPAK 438 74 87 10 200 47 80 2 76 25 1 35 303 467 884 APLIKASI NEW PKBL 1 39 142 146 24 878 1.276.208 5 598.921 53 254 815 PNM 52 1.653.014 1 1.268.898 10 39 17.461 122 628.088 5 949 17 MPOS 613.153 1.246.057 966 1 32.646 1.188.495 384 14.219 2.446.918 2.169 AGENT MITRA BRILINK 1.204.235 3.003.431 11.895.879 1.874.526 836 17.817.773 LINKAJA TABUNGAN EMAS 1.699.944 2.343.316 PT UBS 2 Jatelindo Indomaret SYB GoBills Total 530.852 493.591 772.211 Total Bank + Marketplace 765.895 748.090 1.063.084 58

Komposisi Transaksi Collection Non Tunai KOMPOSISI TRX COLL MARKETPLACE KOMPOSISI TRX COLL MARKETPLACE 2.797.872 1.637.619 1.485.490 7.961.530 3.934.349 PEGADAIAN DIGITAL OUTLET LAINNYA TOKOPEDIA LAINNYA Komposisi transaksi collection non tunai Untuk frekuensi transaksi collection non tunai berdasarkan bank data sampai dengan melalui marketplace jumlahnya cukup besar. Desember 2020 terbesar berasal dari Pegadaian Yang paling besar adalah dari Tokopedia untuk Digital, kedua dari outlet, dan lain-lain yang transaksi Tabungan Emas dan menyusul shopee terdiri atas Agen Pegadaian, PDS Syariah, di urutan kedua, sedangkan marketplace lain Perbankan dan Agen Pegadaian Syariah yang frekuensinya lebih kecil dibandingkan dengan secara frekuensi kecil-kecil. Tokopedia. 59

Komposisi Target OSL (Net) Konvensional dan Syariah (Target BUMN) Bisnis (Dalam miliar rupiah, kecuali yang dinyatakan lain) Konven Target Komposisi Target Komposisi Target Komposisi Syariah 2018 % 2019 % 2020 % Total 37.828 85,36% 38.003 81,77% 42.571 78,08% 6.489 14,64% 8.473 18,23% 11.952 21,92% 44.316 46.476 54.523 Bisnis Target 2018 Ach Target 2019 Ach Growth 2020 Realisasi Realisasi Target Konvensional 1 3=2:1 4 6=5:4 7=5:2 Syariah 2 5 8 Total 37.828 89,71% 38.003 105,47% 18,11% 33.935 40.080 48,61% 42.571 6.489 106,66% 8.473 121,39% 23,28% 44.316 6.921 92,19% 46.476 10.286 108,37% 11.952 40.856 50.366 54.523 60

Tren OSL Gross (dalam miliar rupiah) Uraian 31 Des 18 31 Des 19 31 Jan 20 29 Feb 20 31 Mar 20 30 April 20 31 Mei 20 30 Juni 20 31 Juli 20 31 Agust 20 30 Sept 20 31 Okt 20 30 Nov 20 31 Des 20 OSL Gross 41.190 50.844 51.141 52.689 53.581 53.833 53.065 54.074 55.027 56.108 56.909 57.332 57.706 57.475 CKPN (334) (478) (801) (837) (868) (934) (941) (1.115) (1.294) (1.691) (2.093) (2.290) (2.540) (2.778) OSL Net 54.417 54.817 55.042 55.167 54.697 40.856 50.366 50.340 51.852 52.713 52.898 52.124 52.958 53.733 Uraian Growth YoY Growth MoM Growth YoY 31 Des 2020 OSL Gross 31 Des 2019 31 Jan 20 29 Feb 20 31 Maret 20 30 April 20 31 Mei 20 30 Juni 20 31 Juli 20 31 Agust 20 30 Sept 20 31 Okt 20 30 Nov 20 31 Des 20 CKPN 13,04% OSL Net 23,44% 0,58% 3,03% 1,69% 0,47% -1,43% 1,90% 1,76% 1,96% 1,43% 0,74% 0,65% -0,40% 481,42% 43,03% 67,62% 4,51% 3,76% 7,58% 0,74% 18,49% 16,04% 30,65% 23,77% 9,44% 10,89% 9,38% 8,60% 23,28% -0,05% 3,00% 1,66% 0,35% -1,46% 1,60% 1,46% 1,27% 0,73% 0,41% 0,23% -0,85% (dalam miliar rupiah) Uraian Mutasi YoY Mutasi MoM Mutasi YoY 31 Des 2019 OSL Gross 31 Des 2019 31 Jan 20 29 Feb 20 31 Maret 20 30 April 20 31 Mei 20 30 Juni 20 31 Juli 20 31 Agust 20 30 Sept 20 31 Okt 20 30 Nov 20 31 Des 20 CKPN 6.631 OSL Net 9.654 297 1.548 892 252 (768) 1.009 954 1.080 802 423 374 -232 (2.300) 4.331 (144) (323) (36) (31) (66) (7) (174) (179) (397) (402) (198) (249) (238) 9.510 (26) 1.512 860 186 (775) 835 775 684 400 225 124 (470) 61

Outstanding Loan (Net) Gadai dan Non Gadai (Dalam miliar rupiah, kecuali yang dinyatakan lain) s.d Des s.d Des s.d Nov s.d Des Growth 2019 Pertumbuhan Target Pencapaian 2018 2019 2020 2020 YoY Uraian Des 2020 YoY MoM s.d. Des s.d. Des 1 2 3 45 6 7=3:2 8=6:3 9=6:4 10 11=6:10 Gadai 34.883 40.254 48.466 125 48.591 15,40% 20,71% 0,26% 46.017 105,59% Konven 29.858 33.838 40.939 154 41.093 13,33% 21,44% 0,38% 38.742 106,07% - KCA 28.383 31.769 38.595 142 38.737 11,93% 21,93% 0,37% 36.427 106,34% - Krasida 969 1.331 1.343 (12) 1.331 37,38% -0,01% -0,92% 1.351 98,50% - Gadai Efek 0 108 110 (0,1) 110 0,00% 1,73% -0,14% 110 100,05% - Mulia 411 387 600 19 619 -5,92% 60,03% 3,15% 418 148,01% - Emas Ku 78 94 21 (7) 15 20,46% -84,22% -31,09% 100 14,79% - Gadai Tab. Emas 18 149 269 12 281 739,16% 88,47% 4,58% 336 83,69% Syariah 5.025 6.416 7.527 (30) 7.497 27,70% 16,85% -0,39% 7.274 103,07% - Rahn 4.461 5.145 6.429 9 6.438 15,34% 25,13% 0,14% 6.107 105,42% - Arrum Emas 228 297 381 3 385 30,12% 29,64% 0,88% 357 107,82% - Arrum Haji 336 973 716 (42) 674 189,96% -30,77% -5,84% 810 83,23% - Arrum Safar 0 1 1 (0) 1 0,00% 0,00% -19,91% 1 91,61% Non Gadai 5.973 10.110 6.700 (594) 6.106 69,27% -39,61% -8,87% 8.141 75,00% Konven 4.077 6.241 4.410 (335) 4.076 53,10% -34,70% -7,59% 5.847 69,71% - Kreasi 3.317 5.435 3.515 (329) 3.186 63,85% -41,38% -9,36% 4.983 63,92% - Kresna 760 806 879 (5) 874 6,15% 8,38% -0,58% 830 105,28% - Digital Landing 0 0 17 (1) 16 0,00% 0,00% -3,64% 33 48,72% Syariah 1.896 3.869 2.290 (260) 2.030 104,05% -47,53% -11,34% 2.294 88,50% - Arrum Mikro 380 624 421 (37) 384 64,19% -38,45% -8,71% 561 68,47% - Rahn Tasjili Tanah 22 803 565 (64) 502 3562,24% -37,56% -11,27% 550 91,29% - Amanah 1.494 2.442 1.304 (159) 1.144 63,41% -53,13% -12,22% 1.183 96,71% 62 Total OSL 40.856 50.366 55.167 (470) 54.697 23,28% 8,60% -0,85% 54.157 101,00%

Outstanding Loan (Net) Per Lini Bisnis (Dalam miliar rupiah, kecuali yang dinyatakan lain) Uraian s.d Des s.d Des s.d Nov Des 2020 s.d Des Growth Pertumbuhan Target Pencapaian 2018 2019 2020 2020 2019 YoY s.d. Des 1 5 YoY MoM s.d. Des 2 3 4 6 7=3:2 11=6:10 Bisnis Gadai 130 13,14% 8=6:3 9=6:4 10 106,05% - KCA 29.352 33.208 40.048 142 40.178 11,93% 20,99% 0,32% 37.888 106,34% - Krasida 28.383 31.769 38.595 (12) 38.737 37,38% 21,93% 0,37% 36.427 98,50% - Gadai Efek (0,1) 0,00% -0,01% -0,92% 100,05% Bisnis Mikro & Fidusia 969 1.331 1.343 (334) 1.331 53,10% -0,14% 1.351 69,83% - Kreasi 0 108 110 (329) 110 63,85% 0,00% -7,61% 110 63,92% - Kresna 6,15% -34,96% -9,36% 105,28% Bisnis Emas 4.077 6.241 4.394 (5) 4.059 24,29% -41,38% -0,58% 5.813 107,13% - Mulia 3.317 5.435 3.515 25 3.186 -5,92% 2,75% 4.983 148,01% - Emas Ku 19 20,46% 8,38% 3,15% 14,79% - Gadai Tab. Emas 760 806 879 (7) 874 45,35% 830 83,69% Bisnis Syariah 507 630 891 12 915 739,16% 60,03% -31,09% 855 99,57% - Rahn 411 387 600 (289) 619 48,61% -84,22% 4,58% 418 105,42% - Arrum Emas 15,34% 88,47% -2,95% 100 107,82% - Arrum Haji 78 94 21 9 15 30,12% -7,37% 0,14% 336 83,23% - Arrum Safar 18 149 269 3 281 25,13% 0,88% 9.568 91,61% - Arrum Mikro 6.921 10.286 9.817 (42) 9.528 189,96% 29,64% -5,84% 6.107 68,47% - Rahn Tasjili Tanah 4.461 5.145 6.429 (0,1) 6.438 0,00% -30,77% 357 91,29% - Amanah 228 297 381 (37) 385 0,00% -19,91% 810 96,71% Digital Landing 336 973 716 (64) 674 0,00% -8,71% 48,72% Total OSL (159) 3562,24% -38,45% 1 101,00% 0 1 1 (1) 1 63,41% -37,56% -11,27% 561 380 624 421 (470) 384 0,00% -53,13% -12,22% 550 803 565 502 23,28% 1.183 22 2.442 1.304 1.144 0,00% -3,64% 1.494 8,60% -0,85% 33 0 17 16 54.157 0 50.366 55.167 54.697 40.856 63

Komposisi Outstanding Loan (Net) Gadai dan Non Gadai (Dalam miliar rupiah, kecuali yang dinyatakan lain) Uraian s.d 31 Des 2019 s.d 30 Nov 2020 s.d 31 Des 2020 Nominal Komposisi (%) Nominal Komposisi (%) Nominal Komposisi (%) Gadai 40.254 79,93% 48.466 88,61% 48.591 88,84% Konven 33.838 67,19% 40.939 74,85% 41.093 75,13% - KCA 31.769 63,08% 38.595 70,56% 38.737 70,82% - Krasida - Gadai Efek 1.331 2,64% 1.343 2,46% 1.331 2,43% - Mulia 108 0,21% 110 0,20% 110 0,20% - Emas Ku 387 0,77% 600 1,10% 619 1,13% - Gadai Tab. Emas 94 0,19% 21 0,04% 15 0,03% 149 0,30% 269 0,49% 281 0,51% Syariah 12,74% 13,76% 13,71% - Rahn 6.416 10,22% 7.527 11,75% 7.497 11,77% - Arrum Emas 5.145 0,59% 6.429 0,70% 6.438 0,70% - Arrum Haji 1,93% 1,31% 1,23% - Arrum Safar 297 0,00% 381 0,00% 385 0,00% 973 716 674 1 1 1 Non Gadai 10.110 20,07% 6.700 12,25% 6.106 11,16% Konven 6.241 12,39% 4.410 8,06% 4.076 7,45% - Kreasi 5.435 10,79% 3.515 6,43% 3.186 5,82% - Kresna 1,61% 1,60% - Digital Landing 806 1,60% 879 0,03% 874 0,03% 0,0 0,00% 17 4,19% 16 3,71% Syariah 3.869 7,68% 0,77% 0,70% - Arrum Mikro 624 1,24% 2.290 1,03% 2.030 0,92% - Rahn Tasjili Tanah 803 1,60% 421 2,38% 384 2,09% - Amanah 2.442 4,85% 565 100,86% 502 100,00% 50.366 100,00% Total OSL 1.304 1.144 55.167 54.697 64

Trend Outstanding Loan (Net) Gadai dan Non Gadai (Dalam miliar rupiah, kecuali yang dinyatakan lain) Uraian 2015 2016 2017 2018 2019 2020 CAGR s.d. Des s.d.Nov s.d.Des Gadai 28.972 32.825 33.360 34.883 40.254 48.591 10,90% 2019 2020 2020 Konven 25.773 29.109 29.266 29.858 33.838 41.093 9,78% - KCA 25.036 28.051 28.065 28.383 31.769 38.737 9,12% 40.254 48.466 48.591 - Krasida 1.331 1.331 23,81% - Gadai Efek 457 647 793 969 0,00% 33.838 40.939 41.093 - Mulia 0 0 0 0 108 110 17,87% - Emas Ku 387 619 -12,22% 31.769 38.595 38.737 - Gadai Tab. Emas 272 386 365 411 94 15 88,47% Syariah 7 25 43 78 149 281 18,57% 1.331 1.343 1.331 - Rahn 0 0 0 18 6.416 7.497 15,01% - Arrum Emas 3.716 4.094 5.025 5.145 6.438 29,88% 108 110 110 - Arrum Haji 3.199 3.666 3.717 4.461 297 385 45,54% - Arrum Safar 3.199 0 158 228 973 674 0,00% 387 600 619 50 219 336 24,85% Non Gadai 0 0 0 0 1 1 18,44% 94 21 15 Konven 0 2.640 3.522 5.973 10.110 6.106 24,85% - Kreasi 0 2.204 2.803 4.077 6.241 4.076 4,58% 149 269 281 - Kresna 2.013 1.446 2.014 3.317 5.435 3.186 0,00% - Digital Landing 1.749 759 789 760 50,35% 6.416 7.527 7.497 Syariah 1.050 0 0 0 806 874 10,48% - Arrum Mikro 699 436 718 1.896 0 16 -37,56% 5.145 6.429 6.438 - Rahn Tasjili Tanah 0 336 266 380 2.030 106,06% - Amanah 264 0 0 22 3.869 384 12,04% 297 381 385 233 100 453 1.494 624 502 65 Total OSL 0 35.465 36.882 40.856 803 1.144 973 716 674 31 54.697 30.985 2.442 1 11 50.366 10.110 6.700 6.106 6.241 4.410 4.076 5.435 3.515 3.186 806 879 874 0 17 16 3.869 2.290 2.030 624 421 384 803 565 502 2.442 1.304 1.144 50.366 55.167 54.697

Trend Komposisi Outstanding Loan (Net) Gadai dan Non Gadai 2015 2016 2017 2018 2019 2020 6,50% 7,44% 9,55% 14,62% 20,07% 11,16% Gadai Gadai Gadai Gadai Gadai Gadai 93,50% Non 92,56% Non 90,45% Non 85,38% Non 79,93% Non 88,84% Non Gadai Gadai Gadai Gadai Gadai Gadai 2015 2016 2017 2018 2019 2020 5,64% 0,85% Gadai 6,22% 1,23% Gadai 7,60% 1,95% Gadai 4,64% Gadai 7,68% Gadai 3,71% Gadai 10,32% Konven 10,48% 82,08% Konven 11,10% 79,35% Konven Konven 12,39% Konven Konven 9,98% 7,45% Gadai Gadai Gadai Gadai Gadai 13,71% Gadai Syariah Syariah Syariah Syariah Syariah Syariah 12,30% Non Gadai Non Gadai Non Gadai Non Gadai Non Gadai Non Gadai 83,18% Konven Konven Konven Konven 12,74% 67,19% Konven Konven 73,08% Non Gadai Syariah 75,13% Non Gadai Non Gadai Non Gadai Non Gadai Non Gadai Syariah Syariah Syariah Syariah Syariah 66

Trend Komposisi Outstanding Loan (Net) Gadai Konven & Syariah 2015 2016 2017 2018 2019 2020 Gadai Konven Gadai Konven Gadai Konven Gadai Konven Gadai Konven Gadai Konven 0,88% 1,09% 0,07% 0,99% Gadai KCA 1,01% 0,19% Gadai KCA 0,77% 0,30% 0,21% Gadai KCA 1,13% 0,51% 0,20% Gadai KCA 1,82% 2,37% 0,04% Krasida 1,48% 0,02% Gadai KCA Gadai KCA 2,15% 0,12% 0,19% Krasida 0,03% Krasida 2,64% Mulia 2,43% Mulia Krasida Krasida Krasida Gadai Tab. Gadai Tab. Emas Emas Mulia Gadai Efek Gadai Efek 80,80% Mulia 79,10% Mulia 76,09% Mulia 69,47% Emas Ku 63,08% Emas Ku 70,82% Emas Ku Emas Ku Emas Ku Emas Ku Gadai Tab. Emas 2015 2016 2017 2018 2019 2020 Gadai Syariah Gadai Syariah Gadai Syariah Gadai Syariah Gadai Syariah Gadai Syariah 0,14% 0,59% 0,43% Rahn 0,82% 0,56% Rahn 0,59% Rahn 1,23% 0,70% Rahn 10,21% 1,93% Arrum Haji 10,32% Rahn Rahn Arrum Haji Arrum Haji Arrum Haji Arrum Arrum Haji Emas 10,34% 10,08% Arrum 10,92% Arrum 11,77% Emas Emas Arrum Emas 67

Trend Komposisi Outstanding Loan (Net) Non Gadai Konven & Syariah 2015 2016 2017 2018 2019 2020 Non Gadai Konven Non Gadai Konven Non Gadai Konven Non Gadai Konven Non Gadai Konven Non Gadai Konven 1,60% 0,03% Kreasi 10,79% Kreasi Kreasi Kreasi Kreasi Kreasi 1,60% Kresna Kresna Kresna 2,14% 2,14% 1,86% 4,08% 5,46% 2,26% 3,39% Kresna 8,12% 5,82% Digital Landing Kresna Kresna 2015 2016 2017 2018 2019 2020 Non Gadai Syariah Non Gadai Syariah Non Gadai Syariah Non Gadai Syariah Non Gadai Syariah Non Gadai Syariah 0,05% Amanah 1,24% Amanah Amanah 0,93% Arrum Arrum Amanah Arrum 0,70% Mikro Mikro 3,66% Mikro 0,10% 0,28% Arrum 0,95% Amanah Mikro Rahn 0,72% Tasjili Rahn Rahn Tanah Tasjili Tasjili 1,23% 1,59% 4,85% Tanah 2,09% Tanah 0,75% Arrum 0,92% Arrum Mikro Mikro Amanah 68

OSL Gadai KCA, Rahn, dan Kreasi Per Fitur Produk (Dalam miliar rupiah, kecuali yang dinyatakan lain) Uraian s.d Des s.d Des s.d Nov Des s.d Des Growth Pertumbuhan (%) 2018 2019 2020 2020 2020 3 4 6 2019 YoY YoY MoM 31.769 38.595 5 38.737 12 31.528 38.426 142 38.568 7=3:2 8=6:3 9=6:4 7 16 142 17 Gadai KCA 28.383 46 40,8 45,5 11,93% 21,93% 0,37% 167 104 1 100 Gadai KCA Reguler 28.132 21 9,2 4,7 7,6 12,07% 22,33% 0,37% 5.435 3.515 (4) 3.186 Gadai Agen 4 4.602 2.745 (1,6) 2.456 64,74% 123,90% 5,28% 178 278 (329) 263 Gadai Bisnis 44 6 2,6 (289) 2,4 3,55% -0,15% 11,57% 648 489 (15) 464 Gadai Flexi 154 5.145 6.429 (0,2) 6.438 8,06% -40,25% -3,95% 5.085 6.376 (25) 6.370 Gadai Prima 49 6 3,2 2,8 -55,83% -64,38% -17,22% 0,07 0,0001 9 0,0001 Kreasi 3.317 16 10,8 (6) 15,8 63,85% -41,38% -9,36% 30 13,6 (0,4) 20,2 Kreasi Reguler 3.075 9 26 0,0 30 49,69% -46,65% -10,53% 5,0 Kreasi Ultra Mikro 153 6,6 16,16% 48,02% -5,35% 4 Kreasi Ekspress Loan 0,3 1947,52% -61,24% -6,51% Kreasi Multiguna 89 629,57% -28,39% -5,10% Gadai Rahn 4.461 15,34% 25,13% 0,14% Gadai (Rahn) Reguler 4.404 15,46% 25,26% -0,10% Rahn Hasan 9 -32,73% -53,38% -13,97% Rahn Agen 0,04 66,86% -99,85% 0,00% Rahn Bisnis 24 -33,89% -1,95% 46,57% Rahn Flexi 24 25,54% -31,50% 48,41% Rahn Tabungan Emas 0 0,00% 0,00% 14,37% 69

OSL KCA & Rahn Per Golongan (Miliar Rupiah, , kecuali dinyatakan lain) KCA/ 2015 2016 2017 2018 2019 2020 CAGR s.d. Des s.d. Nov s.d. Des MoM YoY Delta RAHN 2019 2020 2020 (MoM) 2 3 4 5 6 78 1 9 10 11 12=11:10 13=11:9 14=11-10 24.692 27.312 27.473 27.461 31.043 38.081 9,05% KONVEN 558 546 503 399 373 275 -13,18% 31.043 37.704 38.081 1,00% 22,67% 376 373 276 A 12.502 13.501 13.518 13.152 13.710 13.824 2,03% 275 -0,19% -26,11% (1) B 7.479 8.504 8.666 8.657 10.448 14.083 13,49% 13.710 13.786 13.824 0,27% 0,83% 37 C 4.153 4.761 4.786 5.253 6.512 9.898 18,97% 10.448 14.033 14.083 0,35% 34,79% 50 D 6.512 9.609 9.898 3,02% 52,00% 290 SYARIAH 3.134 3.544 3.624 4.278 4.989 6.239 14,76% 4.989 6.233 6.239 0,10% 25,07% 6 A 48 49 48 45 42 31 -8,17% 42 31 31 0,60% -25,43% 0 B 1.446 1.613 1.664 1.879 1.976 2.038 7,10% 1.976 2.042 2.038 -0,15% 3,15% (3) C 1.033 1.176 1.209 1.419 1.772 2.330 17,67% 1.772 2.345 2.330 -0,62% 31,52% (15) D 607 705 704 935 1.198 1.839 24,82% 1.198 1.815 1.839 1,32% 53,46% 24 TOTAL 27.827 30.856 31.097 31.739 36.031 44.320 9,76% 36.031 43.937 44.320 0,87% 23,00% 383 A 607 596 551 444 415 307 -12,74% 415 307 307 -0,11% -26,04% (0) B 13.948 15.114 15.181 15.031 15.686 15.862 2,60% 15.686 15.828 15.862 0,22% 1,12% 34 C 8.512 9.680 9.875 10.076 12.220 16.413 14,03% 12.220 16.378 16.413 0,21% 34,32% 35 D 4.760 5.467 5.490 6.188 7.710 11.738 19,78% 7.710 11.424 11.738 2,75% 52,23% 314 NB : Data MIS (OSL Aktif) 70

Outstanding Loan (Net) Per Kanwil (Dalam miliar rupiah, kecuali yang dinyatakan lain) Uraian 2015 2016 2017 2018 2019 2020 CAGR s.d. Des s.d. Nov s.d. Des YoY MoM 2019 2020 2020 1 2 3 4 5 6 7 8 9 10 11 12=11:9 13=11:10 MEDAN 2.294 2.511 2.598 2.975 3.596 3.931 11,37% 3.596 3.977 3.931 9,33% -1,15% PEKANBARU 1.460 1.643 1.606 1.855 2.289 2.387 10,32% 2.289 2.400 2.387 4,26% -0,57% PALEMBANG 1.333 1.465 1.488 1.667 2.080 2.288 11,40% 2.080 2.287 2.288 9,98% 0,03% BALIKPAPAN 2.585 2.913 2.939 3.177 3.976 4.234 10,37% 3.976 4.317 4.234 6,49% -1,91% MANADO 2.229 2.603 2.835 3.199 4.169 4.687 16,03% 4.169 4.748 4.687 12,44% -1,28% MAKASSAR 3.441 4.085 4.247 4.603 6.032 6.847 14,75% 6.032 6.805 6.847 13,51% 0,62% DENPASAR 3.058 3.411 3.607 3.987 4.965 5.841 13,82% 4.965 5.776 5.841 17,66% 1,13% JAKARTA 1 3.109 3.513 3.572 3.896 4.723 5.298 11,25% 4.723 5.300 5.298 12,17% -0,04% JAKARTA 2 2.911 3.311 3.358 3.690 4.439 5.095 11,85% 4.439 5.111 5.095 14,78% -0,30% BANDUNG 2.364 2.760 2.890 3.168 3.736 4.146 11,89% 3.736 4.178 4.146 10,99% -0,75% SEMARANG 2.960 3.405 3.697 4.457 5.111 5.181 11,85% 5.111 5.208 5.181 1,37% -0,53% SURABAYA 3.348 3.789 4.073 4.354 5.399 6.201 13,12% 5.399 6.236 6.201 14,86% -0,56% Total OSL (NET) 30.985 35.465 36.882 40.856 50.366 54.697 12,04% 50.366 55.167 54.697 8,60% -0,85% 71

Outstanding Loan (Net) Per Kanwil Per Produk (Dalam miliar rupiah, kecuali yang dinyatakan lain) Uraian MEDAN PKU PLB BPP MANADO MKS DPS JKT I JKT II BDG SMG SBY 5 6 10 11 12 13 1 2 3 4 7 8 9 sd Desember 2019 2.483 2.482 3.134 2.173 3.437 2.979 Gadai KCA 2.101 1.253 1.258 120 73 4.007 3.388 3.100 128 86 95 124 Krasida 52 93 71 273 174 131 184 338 Rahn 59 339 524 324 475 66 425 328 1.104 Emas 573 255 189 121 51 36 71 98 124 60 33 57 Arrum 46 24 29 35,1 165 141 167 62,1 Rahn Tasjily Tanah 361 173 39,4 29,4 128 216 170 242 Amanah 168 124 108 464 103,4 319 230 122,1 404 73,6 60,0 129,6 Kreasi 77,1 33,9 42,0 59 679 583 116 55 204 292 Kresna 222 154 270 91 68 384 418 601 122 Total OSL POSISI (NETT) 313 299 95 3.976 603 78 4.439 565 sd November 2020 241 6.032 4.965 78 97 Gadai KCA 42 52 73 4.723 3.736 5.111 76 Krasida 3.596 2.289 47 4.169 4.886 4.225 5.399 Rahn 2.080 170 146 3.747 Emas 2.464 1.451 3.019 3.192 665 420 171 3.908 2.686 3.844 3.682 Arrum 59 76 1.490 130 72 78 85 570 127 87 97 125 Rahn Tasjily Tanah 83 324 144 122 124 423 Amanah 667 305 68 453 29 28 154 103 530 381 1.446 Kreasi 77 55 244 100 54 192 161 103 101 67 54 78 Kresna 48 35 543 509 58 56 Total OSL POSISI (NETT) 159 101 97 225 138 99 80 281 76 198 139 197 sd Desember 2020 69 34 37 352 108 92 255 71 48 118 Gadai KCA 94 50 64 167 6.805 5.776 63 Krasida 136 483 5.300 115 155 73 Rahn 295 232 183 4.317 4.964 4.315 5.111 346 401 438 Emas 53 54 81 170 143 3.762 Arrum 51 4.748 668 429 170 78 89 77 Rahn Tasjily Tanah 3.977 2.400 2.287 76 85 570 4.178 5.208 6.236 Amanah 142 120 134 Kreasi 2.449 1.454 1.499 2.979 3.170 28 27 152 3.913 2.679 3.857 3.697 Kresna 59 76 81 129 70 176 152 99 125 88 98 124 Total OSL POSISI (NETT) 319 524 491 54 427 672 308 248 67 449 99 80 267 105 531 382 1.434 72 60 52 97 56 91 98 69 56 83 98 95 33 6.847 5.841 54 157 33 36 211 133 5.298 70 193 136 191 66 87 46 335 105 239 69 47 115 64 157 63 125 220 176 468 106 136 68 282 51 55 4.234 5.095 334 380 415 79 49 2.387 2.288 4.687 78 89 75 3.931 4.146 5.181 6.201 72

Growth Outstanding Loan (Net) Per Kanwil Per Produk Uraian MEDAN PKU PLB BPP MANADO MKS DPS JKT I JKT II BDG SMG SBY 1 23 4 5 67 8 9 10 11 12 13 Pertumbuhan YoY Gadai KCA 16,59% 16,01% 19,18% 19,99% 27,70% 23,90% 27,37% 21,35% 24,86% 23,28% 12,20% 24,10% Krasida 12,01% -18,76% 14,79% 7,70% -4,34% -2,01% 9,06% -7,79% -2,97% 2,28% 2,64% -0,19% Rahn 17,39% 20,99% 30,74% 16,67% 32,32% 27,43% 32,53% 20,18% 26,36% 25,03% 16,69% 29,95% Emas 56,50% 155,29% 77,53% 14,69% 10,47% 110,36% 19,25% 36,47% 59,24% 15,29% 69,36% 45,11% Arrum -6,56% -21,18% -11,77% -20,10% -23,08% -13,80% -14,79% -9,14% -21,02% -10,72% -20,24% -21,34% Rahn Tasjily Tanah -14,00% -1,92% -14,02% -4,92% 1,91% -29,14% -9,18% -19,05% -13,08% -6,80% -22,12% -11,00% Amanah -43,77% -43,66% -51,49% -41,71% -41,78% -44,81% -33,84% -53,51% -45,27% -47,96% -53,46% -44,71% Kreasi -9,97% -26,61% -27,13% -27,69% -22,38% -22,79% -15,73% -30,60% -40,70% -20,27% -36,68% -26,58% Kresna 15,66% -1,21% 18,03% 8,22% 9,33% 8,58% 17,61% 16,75% 15,75% 0,74% -8,31% -0,82% Total OSL POSISI (NET) 9,33% 9,98% 6,49% 12,44% 13,51% 17,66% 12,17% 14,78% 10,99% 1,37% 14,86% Pertumbuhan MoM 4,26% Gadai KCA 0,59% 2,14% 0,39% Krasida -0,60% 0,23% -2,22% -1,33% -0,70% 1,59% -1,61% -0,94% 0,13% -0,28% 0,34% 0,40% Rahn -1,16% -0,29% 1,32% -0,99% -2,90% 0,33% 2,23% -0,02% -1,68% 0,64% 0,62% -1,48% Emas 0,79% 0,99% 8,17% -1,58% -1,08% 0,48% -0,49% 8,11% 1,13% 0,27% 0,23% -0,84% Arrum -6,31% 8,58% -1,88% -0,16% 3,80% -2,19% -2,00% -1,60% 1,87% 2,60% 5,17% 5,61% Rahn Tasjily Tanah -0,92% -3,06% -2,74% -2,95% -3,09% -1,74% -4,38% -3,64% -2,92% -2,60% -2,38% -3,18% Amanah -4,30% -2,84% -8,39% -3,86% -2,07% -2,50% -5,91% -7,53% -3,54% -3,54% -2,39% -2,61% Kreasi -8,24% -7,59% -4,04% -6,47% -6,18% -8,03% -3,58% -5,09% -7,29% -7,08% -12,29% -7,00% Kresna -4,63% -5,17% 1,88% -4,83% -3,07% -3,41% -0,58% -0,44% -6,11% -3,43% -5,27% -5,44% Total OSL POSISI (NET) -2,80% -2,72% 0,03% -0,03% -2,29% -0,23% 1,13% -0,04% 1,46% 0,48% -0,03% -2,06% -1,15% -0,57% -1,91% -1,28% 0,62% -0,30% -0,75% -0,53% -0,56% 73

Proporsi Produk Per Kanwil (1/3) Gadai KCA Krasida (Dalam miliar rupiah, kecuali yang dinyatakan lain) 4.964 170 170 Rahn 4.315 3.913 3.857 3.762 3.697 143 129 125 124 3.170 2.979 2.679 2.449 98 88 81 76 70 59 1.434 672 668 570 531 449 429 427 382 319 308 248 1.499 1.454 SBY MDN MKS JKT I BDG MDO DPS JKT II SMG BPN PKU PLB MKS DPS JKT II SMG JKT I SBY MDO BPN BDG MDN PLB PKU MKS JKT I DPS BPN JKT II SBY SMG BDG PLB PKU MDO MDN Rahn Tasjily Tanah Emas Arrum 115 105 99 134 193 191 69 66 105 157 152 142 136 133 120 54 47 36 33 33 28 27 85 83 76 72 69 67 60 56 56 52 98 98 97 95 SBY MDO JKT I BDG MDN JKT II SMG PLB BPN PKU MKS DPS JKT I JKT II DPS SBY MKS MDN BDG BPN PKU SMG MDO PLB BDG SBY MDN JKT I MKS SMG MDO DPS JKT II PKU BPN PLB Kresna Amanah Kreasi 99 91 89 80 79 78 75 211 524 491 468 64 63 55 51 49 176 415 380 335 334 157 152 136 125 282 267 239 220 176 MKS JKT I SMG DPS MDO BDG SBY BPN JKT II PLB PKU MDN 106 87 70 68 54 46 MKS DPS MDO SBY SMG BPN BDG MDN JKT I JKT II PKU PLB 74 BPN MKS MDO DPS SMG MDN BDG PKU JKT II SBY JKT I PLB

Proporsi Produk Per Kanwil (2/3) Medan Pekanbaru Palembang Gadai : 84,83% Gadai : 82,48% 2,01% Gadai : 85,50% 1,69% 1,49% 1,25% Non Gadai : 15,17% 2,51% 2,15% Non Gadai : 17,52% 2,26% 1,58% Non Gadai : 14,50% 3,18% 1,83% 3,17% 1,40% 2,41% 4,00% 3,64% 3,54% 7,16% Gadai KCA 4,11% Gadai KCA 4,17% Gadai KCA Rahn Rahn Rahn Kreasi 9,20% Kreasi 7,68% Kreasi Arrum Arrum Arrum 17,10% 62,30% Amanah 60,91% Amanah 10,83% Krasida Emas Krasida Kresna Rahn Tasjili Tanah Emas 65,52% Emas Krasida Kresna Amanah Kresna 12,91% Rahn Tasjili Tanah Rahn Tasjili Tanah Balikpapan Manado Makassar 1,59% 1,50% Gadai : 84,23% 1,69% 1,49% Gadai : 81,73% 1,44% Gadai : 87,14% 2,29% 0,79% 2,84% 2,25% 1,20% 1,11% 3,05% Non Gadai : 15,77% Non Gadai : 18,27% 2,07% 0,41% Non Gadai : 12,86% 3,35% 4,98% 9,57% 2,49% 2,57% Gadai KCA 9,99% Gadai KCA 7,65% Kreasi Kreasi 7,54% Rahn Rahn Gadai KCA Amanah Amanah Rahn 7,92% Krasida Arrum 9,76% Kreasi Arrum Rahn Tasjili Tanah Amanah Emas 67,63% Kresna 72,49% Krasida Kresna Krasida Arrum 70,36% Rahn Tasjili Tanah Emas Kresna Emas Rahn Tasjili Tanah Rahn : Rahn & Rahn Tabungan Emas Arrum : Arrum Emas, Arrum Mikro, Arrum Haji, Arrum Safar 75 Emas : Mulia,Emasku, Gadai Tabungan Emas

Proporsi Produk Per Kanwil (3/3) Denpasar Jakarta 1 Jakarta 2 1,36% Gadai : 86,43% 1,72% Gadai : 89,67% 2,06% 1,92% 1,38% 1,24% Gadai : 91,09% 1,45% 0,46% Non Gadai : 13,57% 1,87% 1,02% Non Gadai : 10,33% 1,06% Non Gadai : 8,91% 2,45% 2,05% 2,60% 2,53% 2,45% 2,86% 7,35% 3,20% 4,70% 8,41% Gadai KCA 5,03% Gadai KCA Gadai KCA Kreasi Rahn Rahn Rahn Kreasi 8,39% Kreasi Amanah Krasida Krasida Krasida 10,77% Arrum Emas Arrum Emas Arrum Emas 71,00% Rahn Tasjili Tanah 76,80% Amanah Kresna Kresna Kresna 73,87% Rahn Tasjili Tanah Amanah Rahn Tasjili Tanah Bandung Semarang Surabaya Gadai : 84,53% 1,88% 1,71% 1,09% Gadai : 86,85% 1,33% Gadai : 88,25% 2,12% 1,89% 1,66% 1,65% Non Gadai : 15,47% 2,62% 0,90% Non Gadai : 13,15% 1,86% 1,21% 1,09% Non Gadai : 11,75% 1,99% 2,57% 4,65% 2,63% 3,08% Gadai KCA 7,34% Gadai KCA 6,69% Gadai KCA Rahn 7,38% Rahn Rahn 8,05% Kreasi Kreasi Kreasi Arrum Amanah Arrum 12,82% Amanah Arrum 23,13% 59,62% Krasida Krasida Krasida Rahn Tasjili Tanah 64,60% Kresna 74,45% Kresna Emas Emas Emas Kresna Rahn Tasjili Tanah Rahn Tasjili Tanah Amanah Rahn : Rahn & Rahn Tabungan Emas Arrum : Arrum Emas, Arrum Mikro, Arrum Haji, Arrum Safar 76 Emas : Mulia,Emasku, Gadai Tabungan Emas

Tren OSL Net (dalam miliar rupiah) Des 19 MDN PKU PLB BPN MDO MKS DPS JKT I JKT II BDG SMG SBY Jan 20 3.596 2.289 2.080 3.976 4.169 6.032 4.965 4.723 4.439 3.736 5.111 5.399 Feb 20 3.559 2.255 2.086 3.956 4.161 5.974 5.005 4.701 4.439 3.740 4.899 5.450 Mar 20 3.677 2.327 2.168 4.069 4.311 6.216 5.210 4.790 4.504 3.840 5.002 5.626 Apr 20 3.730 2.339 2.204 4.128 4.375 6.355 5.402 4.852 4.529 3.922 4.997 5.758 Mei 20 3.717 2.295 2.184 4.136 4.424 6.397 5.480 4.804 4.514 3.939 5.029 5.860 Juni 20 3.626 2.203 2.113 4.064 4.472 6.332 5.451 4.665 4.472 3.855 4.975 5.783 Juli 20 3.761 2.272 2.169 4.134 4.462 6.408 5.516 4.740 4.585 3.896 5.060 5.972 Agust 20 3.817 2.308 2.206 4.182 4.494 6.508 5.564 4.867 4.708 3.993 5.125 6.043 Sept 20 3.857 2.348 2.250 4.244 4.575 6.630 5.661 5.011 4.881 4.076 5.183 6.173 Okt 20 3.904 2.369 2.284 4.297 4.667 6.739 5.733 5.149 5.008 4.155 5.212 6.217 Nov 20 3.936 2.393 2.294 4.336 4.732 6.805 5.752 5.221 5.075 4.171 5.214 6.214 Des 20 3.977 2.400 2.287 4.317 4.748 6.805 5.776 5.300 5.111 4.178 5.208 6.236 3.931 2.387 2.288 4.234 4.687 6.847 5.841 5.298 5.095 4.146 5.181 6.201 77

Outstanding Loan Gadai dan Non Gadai (Dalam miliar rupiah, kecuali yang dinyatakan lain) Uraian s.d Des s.d Des s.d Nov Des s.d Des Growth Growth 1 2018 2019 2020 2020 2020 2019 YoY YoY MoM 2 3 4 5 6 7=3:2 8=6:3 9=6:4 Gadai 34.906 40.280 49.075 133 49.208 15,40% 22,16% 0,27% Konven 29.874 33.859 41.324 137 41.461 13,34% 22,45% 0,33% - KCA 28.432 31.828 38.858 127 38.985 11,95% 22,49% 0,33% - Krasida 934 1.290 1.401 (13) 1.388 38,14% 7,55% -0,94% - Gadai Efek 0 108 110,8 (0,2) 110,7 0,00% 2,14% -0,14% - Mulia 415 389 639 19 658 -6,24% 69,21% 2,95% - Emas Ku 75 94 31 (9) 22 24,37% -77,01% -29,61% - Gadai Tab. Emas 18 149 285 14 299 729,79% 99,85% 4,82% Syariah 5.032 6.421 7.751 (5) 7.747 27,62% 20,64% -0,06% - Rahn 4.467 5.151 6.451 8 6.459 15,31% 25,39% 0,12% - Arrum Emas 223 290 392 4 396 29,97% 36,57% 0,92% - Arrum Haji 341 979 907 (16) 891 186,73% -9,02% -1,75% - Arrum Safar 0 1 0,80 (0,17) 0,63 0,00% 0,00% -21,37% Non Gadai 5.974 10.052 8.174 (372) 7.803 68,25% -22,37% -4,54% Konven 4.072 6.206 5.278 (199) 5.079 52,41% -18,16% -3,78% - Kreasi 3.291 5.375 4.359 (205) 4.154 63,30% -22,71% -4,70% - Kresna 780 831 902 6 908 6,46% 9,30% 0,70% - Digital Landing 0 0 17 (1) 16 0,00% 0,00% -3,63% Syariah 1.902 3.846 2.896 (172) 2.724 102,18% -29,17% -5,94% - Arrum Mikro 379 624 529 (25) 504 64,56% -19,17% -4,69% - Rahn Tasjili Tanah 22 808 803 (34) 769 3581,71% -4,78% -4,19% - Amanah 1.501 2.415 1.564 (114) 1.451 60,83% -39,92% -7,26% Total OSL 40.970 50.422 57.250 (239) 57.011 23,07% 13,07% -0,42% 78 *tanpa Unamortisasi dan CKPN

Mutasi Outstanding Loan Gadai dan Non Gadai (1/2) Uraian OSL KREDIT PELUNASAN (Dalam miliar rupiah, kecuali yang dinyatakan lain) 1 Des 20 OSL Gadai 31 Okt 20 30 Nov 20 Growth Nov 20 6 Growth Nov 20 Des 20 Growth 30 Nov 20 31 Des 20 Growth Konven 12.946 - KCA 2 3 4=3:2 5 10.982 7=6:5 8 9 10=9:8 11=2+5-8 12=3+6-9 13=12:11 - Krasida 14.299 10.503 -9,46% - Gadai Efek 48.340 49.075 1,52% 12.165 -9,73% 13.564 12.813 -5,53% 49.075 49.208 0,27% - Mulia 11.594 215 -9,41% - Emas Ku 40.717 41.324 1,49% 3 -21,56% 11.559 10.845 -6,18% 41.324 41.461 0,33% - Gadai Tab. Emas 275 -93,37% 38.284 38.858 1,50% 46 139 18,20% 11.020 10.376 -5,84% 38.858 38.985 0,33% Syariah 118 1 -4,36% - Rahn 1.376 1.401 1,81% 1 -8,61% 250 229 -8,51% 1.401 1.388 -0,94% - Arrum Emas 132 121 -7,95% - Arrum Haji 110 111 0,45% 2.133 1.964 -8,02% 45 3 -92,96% 111 111 -0,14% - Arrum Safar 2.047 1.883 -7,11% 646 639 -1,17% 66 -3,92% 125 120 -4,04% 639 658 2,95% Non Gadai 21 61 0,00% Konven 42 31 -27,09% 0 20 -14,16% 12 10 -19,10% 31 22 -29,61% - Kreasi 253 0 -13,54% - Kresna 259 285 10,06% 225 217 -5,96% 106 107 0,83% 285 299 4,82% - Digital Landing 165 195 -39,31% Syariah 7.623 7.751 1,69% 56 155 28,67% 2.005 1.968 -1,82% 7.751 7.747 -0,06% - Arrum Mikro 4 34 -19,18% - Rahn Tasjili Tanah 6.326 6.451 1,98% 28 6 -21,66% 1.921 1.875 -2,42% 6.451 6.459 0,12% - Amanah 21 22 -80,45% 376 392 4,31% 0,9 16 -2,41% 49 57 16,05% 392 396 0,92% 79 Total 6 0,2 -9,54% 920 907 -1,41% 14.551 6 34 36 6,21% 907 891 -1,75% 13.163 0,8 0,8 -5,38% 0 0,2 275,71% 0,8 0,6 -21,37% 8.519 8.174 -4,05% 598 588 -1,59% 8.174 7.803 -4,54% 5.463 5.278 -3,39% 410 394 -3,92% 5.278 5.079 -3,78% 4.560 4.359 -4,41% 366 360 -1,57% 4.359 4.154 -4,70% 887 902 1,67% 41 27 -32,76% 902 908 0,70% 16 17 7,32% 3 6 94,61% 17 16 -3,63% 3.056 2.896 -5,24% 188 195 3,48% 2.896 2.724 -5,94% 551 529 -4,01% 43 41 -4,08% 529 504 -4,69% 837 803 -4,12% 35 34 -4,32% 803 769 -4,19% 1.668 1.564 -6,22% 110 120 8,93% 1.564 1.451 -7,26% 56.860 57.250 0,69% 14.162 13.402 -5,36% 57.250 57.011 -0,42%

Mutasi Outstanding Loan Per Kanwil (2/2) Kanwil OSL KREDIT PELUNASAN (Dalam miliar rupiah, kecuali yang dinyatakan lain) 31 Okt 20 30 Nov 20 Growth Nov 20 Des 20 Growth Nov 20 Des 20 Growth OSL 30 Nov 20 31 Des 20 Growth 1 2 3 4=3:2 5 6 7=6:5 8 9 10=9:8 11=2+5-8 12=3+6-9 13=12:11 Medan 3.979 4.028 1,23% 1.072 970 -9,51% 971 1.020 5,09% 4.028 3.978 -1,23% Pekanbaru 2.418 2.433 0,63% 633 564 -10,94% 580 577 -0,52% 2.433 2.420 -0,55% Palembang 2.319 2.319 0,02% 639 595 -6,92% 576 594 3,08% 2.319 2.321 0,06% Balikpapan 4.372 4.365 -0,16% 1.109 975 -12,14% 997 1.061 6,38% 4.365 4.279 -1,97% Manado 4.782 4.823 0,86% 1.097 883 -19,51% 874 947 8,30% 4.823 4.759 -1,32% Makasar 6.870 6.900 0,43% 1.718 1.542 -10,21% 1.480 1.514 2,34% 6.900 6.928 0,40% Denpasar 5.804 5.839 0,61% 1.441 1.304 -9,47% 1.233 1.244 0,87% 5.839 5.899 1,04% Jakarta I 5.281 5.370 1,69% 1.378 1.311 -4,84% 1.094 1.317 20,36% 5.370 5.364 -0,11% Jakarta II 5.136 5.185 0,94% 1.313 1.254 -4,55% 1.090 1.272 16,68% 5.185 5.166 -0,35% Bandung 4.207 4.232 0,58% 1.105 987 -10,73% 920 1.017 10,47% 4.232 4.202 -0,71% Semarang 5.283 5.309 0,49% 1.371 1.270 -7,35% 1.232 1.293 4,94% 5.309 5.286 -0,43% Surabaya 6.283 6.320 0,59% 1.624 1.499 -7,72% 1.537 1.537 0,01% 6.320 6.282 -0,61% Total 56.860 57.250 0,69% 14.551 13.163 -9,54% 12.651 13.402 5,94% 57.250 57.011 -0,42% 80

Outstanding Loan Rata-Rata Per Lini Bisnis (Dalam miliar rupiah, kecuali yang dinyatakan lain) Uraian s.d 01 Jan s.d 31 Des s.d 01 Jan s.d 30 Nov Des s.d 31 Des Growth Pertumbuhan (%) Target Pencapaian (%) s.d Des s.d Des 2019 2019 2020 2020 2020 2020 2019 YoY Ytd MoM 12 13=7:12 1 23 45 6 7 8=4:2 9=7:3 10=7:4 11=7:5 39.502 112,67% Gadai 34.850 36.159 40.213 44.102 405 44.507 15,39% 23,09% 10,68% 0,92% 33.028 113,38% 30.814 114,69% Konven 29.842 30.707 33.815 37.101 347 37.448 13,32% 21,95% 10,74% 0,94% 1.297 99,57% - KCA 28.458 29.196 31.842 35.025 317 35.342 11,89% 21,05% 10,99% 0,90% 315 34,57% 351 126,43% - Krasida 895 1.044 1.258 1.284 8 1.291 40,52% 23,73% 2,66% 0,59% 91 73,71% 160 121,85% - Gadai Efek 0 18 108 109 0 109 0,00% 508,30% 0,51% 0,16% 6.474 109,05% 5.022 115,29% - Mulia 393 313 369 425 18 443 -6,11% 41,79% 20,24% 4,24% 327 99,70% 1.023 92,05% - Emas Ku 78 69 94 71 (3) 67 20,48% -2,71% -28,21% -4,58% 101 1,18% 11.688 80,04% - Gadai Tab. Emas 18 68 145 187 8 195 703,55% 188,48% 34,79% 4,14% 7.453 78,98% 6.158 81,58% Syariah 5.008 5.452 6.398 7.001 58 7.059 27,75% 29,49% 10,34% 0,83% 907 93,72% 388 3,18% - Rahn 4.464 4.640 5.146 5.732 58 5.790 15,26% 24,79% 12,52% 1,01% 4.236 81,89% 793 75,82% - Arrum Emas 207 240 284 321 6 326 37,34% 35,87% 14,84% 1,81% 773 116,92% 2.670 73,54% - Arrum Haji 337 572 967 948 (6) 942 187,04% 64,72% -2,59% -0,59% 51.191 105,22% - Arrum Safar 0 01 1 (0) 1 0,00% 0,00% 10,62% -3,46% Non Gadai 5.910 8.094 9.913 9.494 (139) 9.355 67,75% 15,58% -5,64% -1,47% Konven 4.033 5.290 6.149 5.958 (72) 5.886 52,45% 11,27% -4,27% -1,20% - Kreasi 3.261 4.528 5.330 5.100 (76) 5.024 63,44% 10,94% -5,75% -1,49% - Kresna 772 762 819 846 4 850 6,04% 11,61% 3,83% 0,47% - Digital Landing 0 0 12 0 12 0,00% 0,00% 0,00% 3,96% Syariah 1.876 2.804 3.764 3.536 (68) 3.469 100,64% 23,72% -7,86% -1,92% - Arrum Mikro 376 528 623 609 (8) 601 65,83% 13,76% -3,58% -1,30% - Rahn Tasjili Tanah 22 298 807 916 (11) 904 3580,86% 203,00% 11,99% -1,25% - Amanah 1.478 1.977 2.334 2.012 (48) 1.963 57,85% -0,69% -15,87% -2,41% Total OSL 40.760 44.253 50.127 53.596 266 53.862 22,98% 21,71% 7,45% 0,50% 81 Source : Report OSL Rata-Rata MIS OSL Rata-Rata dihitung ulang setiap awal tahun (start 1 Januari)

Trend OSL Rata-Rata Per Kanwil (Dalam miliar rupiah, kecuali yang dinyatakan lain) Uraian 2017 2018 2019 2020 CAGR s.d. Des 1-Jan s.d. Nov s.d. Des YoY Ytd MoM 2019 2020 2020 2020 1 2 3 4 5 6 10 11=10:7 12=10:8 13=10:9 7 8 9 MEDAN 2.606 2.766 3.242 3.796 13,36% PEKANBARU 1.637 1.731 2.020 2.327 12,44% 3.242 3.568 3.777 3.796 17,09% 6,38% 0,48% PALEMBANG 1.468 1.599 1.856 2.210 14,60% 2.020 BALIKPAPAN 2.937 3.056 3.503 4.178 12,46% 1.856 2.263 2.320 2.327 15,20% 2,83% 0,31% MANADO 2.751 3.071 3.549 4.499 17,81% 3.503 MAKASSAR 4.207 4.423 5.164 6.457 15,35% 3.549 2.058 2.202 2.210 19,05% 7,38% 0,35% DENPASAR 3.577 3.860 4.408 5.521 15,57% 5.164 JAKARTA 1 3.545 3.713 4.133 4.966 11,89% 4.408 3.934 4.167 4.178 19,26% 6,20% 0,26% JAKARTA 2 3.298 3.488 3.921 4.752 12,95% 4.133 BANDUNG 2.815 3.026 3.347 3.984 12,28% 3.921 4.106 4.475 4.499 26,77% 9,56% 0,53% SEMARANG 3.428 3.789 4.402 5.087 14,06% 3.347 SURABAYA 3.928 4.226 4.691 5.965 14,94% 4.402 5.961 6.422 6.457 25,03% 8,32% 0,54% 4.691 Total OSL 4.925 5.491 5.521 25,25% 12,09% 0,53% Rata-Rata 4.694 4.931 4.966 20,14% 5,79% 0,70% 82 4.413 4.715 4.752 21,19% 7,69% 0,80% 3.692 3.966 3.984 19,06% 7,92% 0,47% 5.047 5.072 5.087 15,55% 0,79% 0,28% 5.358 5.937 5.965 27,17% 11,33% 0,47% 36.197 38.748 44.253 53.862 14,17% 44.253 50.127 53.596 53.862 21,71% 7,45% 0,50%

Perbandingan OSL (Net) & OSL Rata-Rata Per Bulan (Dalam Miliar) 57.000 55.000 53.000 51.000 49.000 47.000 45.000 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Agust Sept Okt 20 Nov 20 Dec-20 Dec-19 20 20 50.340 51.852 52.713 52.898 52.124 52.958 53.733 55.042 55.167 54.697 OSL Posisi (Nett) 50.366 49.763 51.201 52.448 52.804 52.906 52.793 53.820 54.417 54.817 56.393 56.851 56.737 OSL Rata-Rata Bulanan 49.292 54.779 55.770 OSL Posisi (Nett) OSL Rata-Rata Bulanan 83

Komposisi OSL*) Berdasarkan Tujuan Penggunaan Kredit Per 30 November 2020 (Dalam miliar rupiah, kecuali yang dinyatakan lain) Tiering UP Inv e stasi Pembelian Usaha/Modal Biay a Hajatan/ lainny a Grand Total Kom posisi Pe ndidikan Upacara (% ) sd 500rb Barang/Jasa Ke rja > 500rb sd 1 jt 13 3 > 1 jt sd 2 jt 11 49 117 48 12 146 339 0,61% > 2tj sd 3 jt 48 192 452 132 32 565 1.316 2,36% > 3jt sd 4 jt 142 570 1.410 134 33 1.652 3.938 7,06% > 4jt sd 5 jt 153 595 1.534 116 27 1.728 4.177 7,49% > 5jt sd 7,5 jt 150 527 1.384 95 22 1.508 3.712 6,65% > 7,5jt sd 10 jt 153 440 1.211 174 42 1.246 3.166 5,68% > 10jt sd 20jt 264 839 2.412 114 26 2.341 6.072 10,88% > 20jt sd 50jt 250 576 1.786 230 51 1.540 4.293 7,69% 50jt sd 100jt 438 1.320 3.002 214 46 3.165 8.206 14,71% > 100jt 680 1.331 4.395 96 20 2.958 9.623 17,25% Grand Total 628 683 2.601 71 13 1.301 5.328 9,55% Komposisi (%) 567 753 3.200 1.515 340 1.010 5.614 10,06% 3.473 7.841 22.442 2,72% 0,61% 19.966 55.785 100,00% Komposisi 6,22% 14,06% 40,23% 35,79% 100,00% Tujuan Produktif 60,51% *) OSL Aktif Komposisi Rekening Berdasarkan Tujuan Penggunaan Kredit Per 30 November 2020 Tiering UP Inv e stasi Pembelian Usaha/Modal Biay a Hajatan/ lainny a Grand Total Kom posisi Pe ndidikan Upacara (% ) sd 500rb Barang/Jasa Ke rja > 500rb sd 1 jt 36.901 8.755 8,20% > 1 jt sd 2 jt 32.117 137.232 319.950 60.655 14.732 398.544 933.499 14,75% > 2tj sd 3 jt 63.987 244.939 576.118 87.831 21.572 719.381 1.679.812 23,04% > 3jt sd 4 jt 95.333 379.898 939.718 53.957 13.228 1.100.081 2.624.433 14,74% > 4jt sd 5 jt 62.428 238.984 616.705 33.282 693.446 1.678.748 > 5jt sd 7,5 jt 45.947 151.903 400.549 21.160 7.679 432.910 1.072.270 9,41% > 7,5jt sd 10 jt 37.958 274.236 28.819 4.845 275.989 6,25% > 10jt sd 20jt 47.370 97.932 405.810 13.660 6.895 383.764 712.120 8,87% > 20jt sd 50jt 34.780 138.087 222.081 17.274 3.059 180.592 1.010.745 4,59% 50jt sd 100jt 36.928 237.784 3.819 236.415 5,65% > 100jt 26.720 68.958 181.616 7.607 1.620 105.378 523.130 3,36% Grand Total 11.627 111.224 1.526 643.444 0,80% Komposisi (%) 46.316 322 20.264 382.616 0,32% 4.137 59.675 20.695 428 69 6.044 100,00% Komposisi 499.332 11.469 4.241.578 363.100 91.524 Tujuan Produktif 37,24% 86.595 4.552.808 36.640 4,38% 5.267 3,19% 0,76% 39,98% 11.388.981 1.645.568 100,00% 14,45% 84 56,08%

Komposisi OSL*) Berdasarkan Tujuan Penggunaan Kredit Per 31 Desember 2020 (Dalam miliar rupiah, kecuali yang dinyatakan lain) Tiering UP Inv e stasi Pembelian Usaha/Modal Biay a Hajatan/ lainny a Grand Total Kom posisi Pe ndidikan Upacara (% ) sd 500rb Barang/Jasa Ke rja > 500rb sd 1 jt 13 3 > 1 jt sd 2 jt 11 49 117 47 11 144 337 0,60% > 2tj sd 3 jt 48 193 459 129 32 560 1.317 2,35% > 3jt sd 4 jt 144 572 1.424 133 33 1.640 3.942 7,05% > 4jt sd 5 jt 154 598 1.551 114 27 1.721 4.190 7,49% > 5jt sd 7,5 jt 151 529 1.392 94 22 1.503 3.716 6,64% > 7,5jt sd 10 jt 153 442 1.221 173 42 1.245 3.177 5,68% > 10jt sd 20jt 266 845 2.425 113 26 2.349 6.100 10,90% > 20jt sd 50jt 250 571 1.773 227 51 1.530 4.263 7,62% 50jt sd 100jt 437 1.305 3.019 210 45 3.151 8.190 14,64% > 100jt 675 1.308 4.351 96 20 2.939 9.529 17,03% Grand Total 618 688 2.585 74 13 1.313 5.320 9,51% Komposisi (%) 584 775 3.286 1.422 325 1.134 5.867 10,49% 3.493 7.875 23.603 2,54% 0,58% 19.229 55.947 100,00% Komposisi 6,24% 14,08% 42,19% 34,37% 100,00% Tujuan Produktif 62,51% *) OSL Aktif Komposisi Rekening Berdasarkan Tujuan Penggunaan Kredit Per 31 Desember 2020 Tiering UP Inv e stasi Pembelian Usaha/Modal Biay a Hajatan/ lainny a Grand Total Kom posisi Pe ndidikan Upacara (% ) sd 500rb Barang/Jasa Ke rja > 500rb sd 1 jt 35.928 8.736 8,11% > 1 jt sd 2 jt 32.438 136.299 318.959 59.616 14.527 390.834 923.194 14,76% > 2tj sd 3 jt 63.942 245.522 584.490 86.262 21.341 713.010 1.681.107 23,07% > 3jt sd 4 jt 97.020 381.322 949.566 53.406 13.121 1.092.027 2.627.538 14,79% > 4jt sd 5 jt 62.850 240.261 623.605 32.759 690.798 1.684.041 > 5jt sd 7,5 jt 45.781 152.706 403.037 20.945 7.692 431.690 1.073.665 9,43% > 7,5jt sd 10 jt 38.543 276.675 28.640 4.850 275.791 6,28% > 10jt sd 20jt 47.290 98.520 407.986 13.458 6.865 384.514 715.324 8,91% > 20jt sd 50jt 35.092 139.039 220.902 17.003 3.045 179.299 1.014.334 4,57% 50jt sd 100jt 36.762 238.971 3.807 234.304 5,63% > 100jt 26.788 68.461 180.875 7.478 1.617 104.002 520.257 3,33% Grand Total 11.564 110.529 1.529 641.376 0,80% Komposisi (%) 46.245 334 20.308 379.733 0,33% 4.270 58.973 21.034 447 79 6.487 100,00% Komposisi 502.340 11.596 4.272.345 357.471 91.576 Tujuan Produktif 37,51% 86.014 4.523.064 37.688 4,41% 5.371 3,14% 0,76% 39,71% 11.389.833 1.648.599 100,00% 14,47% 85 56,39%

Realisasi Yield (%) Tahun 2020 REALISASI TAHUN 2020 Uraian JAN FEB MAR APR MEI JUN JUL AGS SEPT OKT NOV DES Gadai 28,53% 27,72% 28,03% 27,89% 27,52% 27,20% 27,01% 26,92% 26,93% 26,82% 26,66% 26,61% Konven 28,65% 27,83% 28,16% 28,02% 27,70% 27,33% 27,12% 27,02% 27,00% 26,89% 26,72% 26,66% - KCA 28,87% 27,98% 28,31% 28,15% 27,91% 27,55% 27,33% 27,23% 27,19% 27,09% 26,93% 26,87% - Krasida 27,42% 27,79% 28,09% 28,07% 25,03% 23,12% 23,46% 23,76% 24,52% 24,47% 24,31% 24,51% - Gadai Efek 12,32% 10,19% 11,78% 12,93% 11,22% 13,08% 13,72% 14,68% 13,91% 14,08% 13,15% 7,80% - Mulia 22,42% 23,05% 24,00% 24,13% 28,55% 26,34% 24,62% 23,46% 23,13% 22,58% 22,32% 29,32% 23,68% 31,86% 32,60% 38,28% 37,28% 36,75% 36,49% 35,94% 35,94% 35,92% - Emas Ku 27,91% 31,05% 62,43% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 17,32% - Krasida Tabungan emas 0,00% 17,12% 0,00% 17,43% 17,38% 17,28% 17,32% 17,36% 18,06% 17,83% 17,37% 17,33% 26,31% - Gadai Tab. Emas 17,59% 27,15% 27,22% 26,60% 26,52% 26,46% 26,41% 26,57% 26,47% 26,32% 28,33% 29,59% 27,39% 29,60% 29,30% 29,05% 28,86% 28,74% 28,78% 28,64% 28,42% Syariah 27,93% 29,82% 23,32% - Rahn 30,59% 24,37% 25,16% 22,82% 23,54% 23,86% 23,42% 23,60% 23,50% 23,27% 24,54% 14,95% - Arrum Emas 24,36% 15,05% 14,96% 12,89% 13,37% 13,77% 14,04% 14,63% 14,57% 14,67% 15,22% 10,36% - Arrum Haji 15,03% 8,57% 8,84% 7,70% 8,53% 8,94% 9,59% 10,09% 9,91% 9,98% 18,15% 20,45% 8,63% 20,09% 18,39% 19,13% 18,36% 17,93% 16,65% 17,19% 17,82% 18,35% - Arrum Safar 8,33% 20,75% 20,71% 20,26% 17,88% 19,34% 18,79% 18,66% 17,83% 18,10% 18,06% 19,21% Non Gadai 20,44% 21,72% 20,95% 21,23% 18,51% 20,24% 19,62% 19,48% 18,52% 18,87% 18,84% 13,32% 20,61% 14,36% 21,99% 13,85% 13,79% 13,42% 13,45% 13,46% 13,50% 13,40% 13,35% Konven 21,75% 14,12% 17,80% - Kreasi 13,22% 19,98% 19,82% 19,20% 18,80% 17,67% 16,72% 14,69% 15,68% 17,42% - Kresna 20,33% 18,42% 22,54% 21,86% 20,52% 19,03% 17,43% 16,54% 14,57% 16,03% 18,07% 14,19% Syariah 20,16% 13,76% 22,59% 13,80% 13,23% 13,01% 12,25% 11,75% 10,64% 11,13% 13,61% 19,27% 21,59% 14,16% 21,68% 21,30% 21,19% 20,08% 18,95% 16,52% 17,62% 18,96% - Arrum Mikro 22,96% 22,10% 15,92% - Rahn Tasjili Tanah 13,86% 0,00% 16,59% 16,29% 16,10% 16,00% 15,97% 17,80% 17,01% 15,94% 25,13% - Amanah 21,65% 26,28% 17,23% 26,35% 25,73% 25,64% 25,36% 25,23% 25,03% 24,95% 25,00% 26,58% Digital Landing 0 Total OSL 26,92% 86

Realisasi Yield (%) s.d Desember 2020 KETERANGAN JAN FEB MAR APR MEI JUN JULI AGS SEPT OKT NOV DES 1 2 3 4 5 6 7 8 9 10 11 12 13 28,8% 27,9% 28,2% 28,1% 27,8% 27,3% 27,1% 27,1% 27,1% 27,0% 26,8% 26,7% BISNIS GADAI BISNIS SYARIAH 25,0% 24,5% 24,8% 24,5% 23,9% 23,7% 23,3% 23,0% 22,4% 22,8% 23,3% 23,5% BISNIS MIKRO & FIDUSIA 20,6% 20,7% 20,9% 20,3% 17,9% 19,3% 18,8% 18,7% 17,8% 18,1% 18,1% 18,4% BISNIS EMAS 22,0% 22,4% 23,0% 23,3% 23,4% 26,6% 25,2% 24,2% 23,6% 23,1% 22,5% 22,2% DIGITAL LANDING 0 0,0% 17,2% 16,6% 16,3% 16,1% 16,0% 16,0% 17,8% 17,0% 15,9% 15,9% TOTAL 26,9% 26,3% 26,58% 26,35% 25,73% 25,64% 25,36% 25,23% 25,03% 24,95% 25,00% 25,13% 87

Barang Jaminan Dalam Proses Lelang (BJDPL) (Dalam miliar rupiah, kecuali yang dinyatakan lain) Produk sd. Des sd. Des sd. Nov Des 2020 sd. Des Growth 2019 Pertumbuhan (%) Kategori BJDPL Gadai KCA & Kategori BJDPL Gadai KCA & 2018 2019 2020 YoY MoM RAHN RAHN 1 2020 YoY 2 3 8=6:3 9=6:4 sd November 20 sd November 20 Gadai KCA 4 5 6 7=3:2 4,24% 3,38% Krasida 711 35,02% -25,41% Gadai Syariah/Rahn 534,0 966,7 (245,7) 721,0 -24,94% 8,02% 30,96% Arrum Emas 38 -67,82% -51,23% Mulia 87,74% 65,67% Gadai Tabungan Emas 132 45,79% -8,25% Jumlah BJDPL 31,9 21,0 (10,8) 10,2 -16,35% DPK (1-30 hari) KL (>30-60 hari) DPK (1-30 hari) KL (>30-60 hari) Jumlah OSL M (>60 hari) M (>60 hari) 103,4 164,2 (13,5) 150,7 -21,45% Prosentase BJDPL terhadap OSL 19 5,2 4,1 (0,7) 3,4 -72,05% -35,73% -18,16% BJDPL dibulan Desember 2020 secara keseluruhan 24 20,7 14,9 (7,7) 7,2 -12,98% -65,21% -51,61% mengalami penurunan disebabkan outlet banyak melakukan penjualan BJDPL kategori macet - 4,9 10,1 (3,7) 6,4 30,13% -36,59% (>60 hari) sebagai upaya untuk menurunkan NPL. 924 700 1.181 (282) 899 -24,21% 28,40% -23,89% 40.856 50.366 55.166,6 (470) 54.696,7 23,28% 8,60% -0,85% 2,26% 1,39% 2,14% 1,64% -38,52% 18,24% -23,23% GRAFIK PERKEMBANGAN BJDPL DALAM SATU TAHUN (DALAM MILIAR) 1.088 1.357 1.320 983 620 1.181 899 700 714 649 478 866 655 88 Des 19 Jan 20 Feb 20 Mar 19 Apr 20 Mei 20 Jun 20 Jul 20 Ags 20 Sep 20 Okt 20 Nov 20 Des 20

Trend BJDPL (dalam miliar rupiah) 220,00 MDN PKU PLB BPN MDO MKS DPS JKT I JKT II BDG SMG SBY 200,00 69,22 34,20 22,54 50,27 48,34 91,43 53,42 84,03 76,31 42,39 58,63 69,30 180,00 89,10 54,63 40,21 65,98 109,60 162,14 87,08 116,28 113,24 65,25 86,18 98,72 160,00 94,51 67,64 50,15 82,37 151,52 200,53 121,61 143,11 143,07 73,27 111,63 117,77 140,00 78,61 52,15 54,65 85,63 120,28 174,99 122,24 168,19 160,30 78,35 114,66 110,16 120,00 50,05 39,97 43,95 62,04 93,79 101,11 86,71 161,11 121,68 60,86 87,10 74,34 100,00 36,55 34,69 36,94 56,56 85,13 71,55 74,93 72,42 73,67 39,52 71,44 60,37 35,78 36,66 29,34 54,68 66,04 72,75 73,24 51,69 59,66 38,14 72,29 58,81 80,00 35,44 30,15 23,39 36,68 29,44 56,84 48,89 37,28 45,23 24,74 57,72 51,95 60,00 75,05 46,35 34,06 63,18 56,92 110,58 88,76 63,97 81,07 46,50 98,41 100,94 40,00 57,87 34,42 24,87 41,27 39,84 85,18 71,54 45,69 66,62 30,93 78,57 78,34 20,00 49,70 31,37 20,89 33,77 39,77 78,67 63,03 52,05 77,26 30,56 72,62 70,28 92,97 54,17 38,41 69,62 85,11 166,34 114,06 112,78 143,45 61,70 120,15 122,26 0,00 58,51 49,08 31,93 57,19 80,34 122,63 81,41 78,71 106,31 49,69 81,60 101,52 Des 19 Jan 20 Feb 20 Mar 20 Apr 20 Mei 20 Juni 20 Juli 20 Agust 20 Sept 20 Okt 20 Nov 20 Des 20 89

Trend Rasio BJDPL/OSL 4,00% MDN PKU PLB BPN MDO MKS DPS JKT I JKT II BDG SMG SBY KONSOL 1,92% 1,49% 1,08% 1,26% 1,16% 1,52% 1,08% 1,78% 1,72% 1,13% 1,15% 1,28% 1,39% 3,50% 2,50% 2,42% 1,93% 1,67% 2,63% 2,71% 1,74% 2,47% 2,55% 1,74% 1,76% 1,81% 2,16% 2,57% 2,91% 2,31% 2,02% 3,51% 3,23% 2,33% 2,99% 3,18% 1,91% 2,23% 2,09% 2,62% 3,00% 2,11% 2,23% 2,48% 2,07% 2,75% 2,75% 2,26% 3,47% 3,54% 2,00% 2,29% 1,91% 2,50% 1,35% 1,74% 2,01% 1,50% 2,12% 1,58% 1,58% 3,35% 2,70% 1,54% 1,73% 1,27% 1,86% 2,50% 1,01% 1,57% 1,75% 1,39% 1,90% 1,13% 1,37% 1,55% 1,65% 1,03% 1,44% 1,04% 1,37% 0,95% 1,61% 1,35% 1,32% 1,48% 1,14% 1,33% 1,09% 1,30% 0,98% 1,43% 0,98% 1,23% 2,00% 0,93% 1,31% 1,06% 0,88% 0,66% 0,87% 0,88% 0,77% 0,96% 0,62% 1,13% 0,86% 0,89% 1,95% 1,97% 1,51% 1,49% 1,24% 1,67% 1,57% 1,28% 1,66% 1,14% 1,90% 1,64% 1,59% 1,50% 1,48% 1,45% 1,09% 0,96% 0,85% 1,26% 1,25% 0,89% 1,33% 0,74% 1,51% 1,26% 1,20% 1,26% 1,31% 0,91% 0,78% 0,84% 1,16% 1,10% 1,00% 1,52% 0,73% 1,39% 1,13% 1,13% 1,00% 2,34% 2,26% 1,68% 1,61% 1,79% 2,44% 1,97% 2,13% 2,81% 1,48% 2,31% 1,96% 2,14% 1,49% 2,06% 1,40% 1,35% 1,71% 1,79% 1,39% 1,49% 2,09% 1,20% 1,58% 1,64% 1,64% 0,50% 0,00% Des 19 Jan 20 Feb 20 Mar 20 Apr 20 Mei 20 Jun 20 Jul 20 Agust 20 Sept 20 Okt 20 Nov 20 Des 20 90

Cadangan Kerugian Penurunan Nilai (CKPN) (Jutaan rupiah, kecuali dinyatakan lain) (Jutaan rupiah, kecuali dinyatakan lain) sd. Des sd. Nov sd. Des Pertumbuhan (%) Uraian sd. sd. Desember Growth 2019 2020 2020 November Produk Des 20 Individual (yang diusulkan 2020 Nominal % 3 penghapusan) 2020 YoY MoM 12 263.668 45 6=5:2 7=5:3 Kolektif (CKPN Reguler) 196.723 160.140 (36.583) -18,60% 100.575 Extraordinary (CKPN Kredit Gadai KCA 51.482 (15.580) 248.088 381,90% -5,91% Restrukturisasi) 1.038.722 1.050.800 12.078 1,16% Krasida 487 22.026 1.922 102.498 20952,01% 1,91% 1.304.220 1.566.915 262.695 20,14% Rahn 74.517 (1.065) 20.962 -4,83% Total Mulia 6.052 20.575 (349) 74.167 246,37% -0,47% 2.539.665 2.777.855 238.190 9,38% Arrum Emas 1.774 785 21.359 4080,22% 3,81% Arrum Safar 63 (24) 38 21870,95% -38,58% Peningkatan CKPN PYD sebesar 9,38% disebabkan: Arrum Haji 97 193.008 14,08% - 674.433 27.181 220.190 - 1,91% 1. Terdapat Kenaikan CKPN Reguler sebesar Rp12.078 juta dari Gadai 134.538 12.869 687.302 3687,10% 9,25% posisi November 2020 sebesar Rp1.003.722 juta Arrum Mikro 5.814 241.309 12.439 146.977 946,03% 13,61% Rahn Tasjily Tanah 65.706 400.995 32.851 274.160 11,02% 2. OSL Restruk per Desember 2020 sebesar Rp2.577.242 juta. Amanah 21.770 1.065.638 44.206 445.201 575,13% 11,67% 3. CKPN untuk kredit restruk posisi Desember 2020 sebesar Kreasi 124.374 1.190.012 - 50,93% Kresna 4.288 22.489 11.454 33.942 -1,18% Rp1.723.008 juta atau sebesar 66,85% dari OSL Restruk. Lain-lain *) 83.169 263 435,30% 12,08% Dengan posisi CKPN sebesar tersebut, tambahan CKPN 156.562 (3) 260 660,09% 9,38% Restruk Desember sebesar Rp 262.808 juta. Non Gadai 25.261 1.865.232 225.321 2.090.553 4. Dengan Total Biaya Penyisihan/CKPN sebesar Rp1.924.121 Total CKPN 89.707 2.539.665 238.190 2.777.855 34,37% juta maka COC (Cost of Credit) Bulan Desember adalah 412.094 -99,71% 477.800 407,30% .sebesar 3,37% dari Total OSL Gross sebesar Rp57.010.602 juta 481,38% 5. Rugi restruk sampai dengan Bulan Desember adalah sebesar Rp64.931 juta (tambahan untuk Bulan ini saja sebesar Rp2.335 juta). *) 2019 Krista, Remittance, Kremada,KTJG *) 2020 Digital Landing,Kremada, KTJG 91

Tabel CKPN Restruk Bulan OSL Restruk CKPN OLIBS CKPN Tambahan Total CKPN Restruk % CKPN/OSL Januari - - - - 0,0% Februari - - - - 0,0% Maret - - - - 0,0% April 63.939.303.515 - - - 0,0% Mei 787.725.349.895 - - - 0,0% Juni 1.456.777.337.058 15.571.208.867 63.299.943.135 78.871.152.002 5,4% Juli 2.212.568.695.936 26.590.452.290 129.062.431.760 155.652.884.050 7,0% Agustus 2.569.488.133.721 33.378.871.858 472.296.642.944 505.675.514.802 19,7% September 2.618.268.520.999 46.391.052.507 917.388.299.760 963.779.352.267 36,8% Oktober 2.677.987.256.822 67.669.625.341 1.089.220.869.364 1.156.890.494.705 43,2% November 2.629.520.277.501 157.380.082.164 1.304.107.288.071 1.461.487.370.235 55,6% Desember 2.577.242.368.910 156.092.846.402 1.566.915.040.092 1.723.007.886.494 66,9% 92

Tren CKPN Per Produk (dalam jutaan rupiah) CKPN 31 Des 19 31 Mar 20 30 Juni 20 30 Sept 20 31 Okt 20 30 Nov 20 31 Des 20 Gadai KCA* 251.412 244.356 251.762 Krasida 51.482 243.686 31.870 94.637 100.586 263.668 248.088 RAHN 27.476 20.688 21.063 Emas ** 487 33.881 66.922 77.834 76.561 100.575 102.498 Arrum Emas 4.011 15.824 19.538 Arrum Safar 6.052 26.485 29 60 55 22.026 20.962 Arrum Haji 125.688 178.159 188.309 1.774 31.558 507.407 631.558 657.874 74.517 74.167 Gadai 33.911 122.179 121.563 Arrum Mikro 97 3.991 64.386 165.048 210.657 20.575 21.359 Rahn Tasjily Tanah 222.775 257.907 357.164 Am anah - 62 279.191 891.405 920.718 63 38 Kreasi 7.187 24.300 21.994 Kresna 5.814 118.813 607.827 193.008 220.190 1.461.094 1.632.353 Non Gadai 65.706 458.476 1.115.234 2.092.652 2.290.227 674.433 687.302 Total 21.770 23.922 134.538 146.977 4.288 86.991 241.309 274.160 83.169 117.869 400.995 445.201 156.562 174.265 1.065.638 1.190.012 25.261 6.856 22.489 33.942 412.064 409.959 1.865.232 2.090.553 477.770 868.435 2.539.665 2.777.855 93

Staging Segmen V2 (Setelah Konsinyering) ❑ Produk Gadai ❑ Produk Fidusia Stage Colectibility Rating Keterangan Stage Kolektabilitas Rating Keterangan Stage 1 Kol 1 Rating 1 Kredit dari tanggal Kredit sampai Stage 1 Kol 1 Rating 1 T0 Rating 2 dengan tanggal jatuh tempo kredit Stage 2 Kol 2 Rating 2 T 1 – T 30 Stage 2 Kol 1 Kredit dari tanggal setelah jatuh Rating 3 T 31 – T 60 Rating 8 tempo sampai dengan tanggal cut off Stage 3 Kol 3 Rating 4 T 61 – T 90 Kol 2 1 – 15 Kol 4 Rating 5 T 91 – T 120 16 – 30 Kol 5 Rating 6 T 121 – T 150 Stage 3 Kol 3 > 31 Rating 7 T 151 – T 180 Kol 5 Kredit setelah tanggal cut off T 181 – T 270 Rating 8 > T 270 ❑ Produk Pembiyaan Emas ❑ Kresna Stage Kolektibilitas Rating Keterangan Stage 1 Kol 1 Rating 1 T 0 Stage Kolektibilitas Rating Keterangan Stage 1 Kol 1 Rating 1 T 0 Stage 2 Kol 2 Rating 2 T 1 – T 15 Stage 3 Kol 5 Rating 8 > T 1 Kol 3 T 16 – T 30 Stage 3 Kol 5 Rating 5 T 31 – T 60 94 94 Rating 8 > T 61

95

Kualitas Pembiayaan (Gadai dan Non Gadai) (Dalam jutaan rupiah, kecuali yang dinyatakan lain) Kolektibilitas Per 31 Desember 2020 Nominal Prosentase NPL NPL Produk Lancar DPK KL DR Macet Total OSL * NPL 31 Des NPL 30 Nov NPL 31 Des 20 20 19 Gadai KCA 38.363.564 456.524 237.654 0 37.959 39.095.701 37.959 0,10% 0,16% 0,36% Krasida 977.912 263.250 109.860 36.667 2,64% 2,85% 11,19% Rahn 116.929 0 36.667 1.387.690 0,06% 0,12% 0,38% 6.307.527 30.866 3.933 0 3.933 6.459.256 Emas 863.671 43.517 32.287 21.940 16.360 977.775 16.360 1,67% 2,05% 4,27% Arrum Emas 291.286 76.249 21.321 0 7.111 395.968 7.111 1,80% 1,84% 7,68% Arrum Safar 0 100 100 15,86% 46,64% 0,00% Arrum Haji 390 127 13 629 8,81% 10,08% 5,42% 653.846 158.570 35.040 10.133 33.273 890.862 78.446 0,37% 0,47% 0,82% Gadai 47.458.197 1.115.166 467.041 32.072 135.405 49.207.881 180.577 2,68% 3,16% 2,43% Arrum Mikro 328.181 162.327 503.992 5,07% 6,44% 1,58% Rahn Tasjily Tanah 417.188 312.917 6.871 1.128 5.486 769.087 13.484 10,30% 11,64% 6,87% Amanah 851.442 449.942 19.058 7.035 12.890 1.450.788 38.983 4,02% 4,94% 3,85% Kreasi 2.678.435 1.309.078 25.684 12.414 111.305 4.154.341 149.404 2,35% 2,43% 2,37% Kresna 885.510 53.197 14.001 99.630 908.189 166.828 0,00% 1,70% 98,20% Lainnya 1.349 20.614 21.329 5,00% 5,97% 5,06% 14.425 1.900 611 104 16.325 1,00% 1,26% 1,75% Non Gadai 5.175.181 2.237.514 0 0 0 7.802.722 0 Total 52.633.378 3.352.680 249.925 57.010.603 390.028 105.421 34.682 385.329 570.604 572.462 66.754 Lain-lain (Krem ada, KTJG,Digital Landing) *) OSL belum m em perhitungkan Unam ortisasi (421 m iliar), M odifikasian (43 m iliar) dan CKPN (2.778 m iliar) Komposisi Kolektibilitas Per 31 Desember 2020 NPL Produk Gadai adalah Macet, kecuali Arrum Haji (KL+DR+Macet) Produk Lancar DPK KL DR Macet Total OSL LaR KCA & Rahn ( > 60 hari setelah Cut Off) Krasida & Arrum Emas ( > 60 hari setelah Jatuh Tempo Angsuran) Gadai KCA 98,13% 1,17% 0,61% 0,00% 0,10% 100% 1,87% Mulia ( > 60 hari setelah Jatuh Tempo Angsuran) Krasida 70,47% 18,97% 7,92% 0,00% 2,64% 100% 29,53% Rahn 97,65% 0,48% 0,00% 0,06% 100% NPL Produk Non-Gadai adalah (KL + DR + Macet) Emas 88,33% 1,81% 3,30% 2,24% 1,67% 100% 2,35% Arrum Emas 73,56% 4,45% 5,38% 0,00% 1,80% 100% 11,67% a. KL : 91 sd. 180 hari setelah Jatuh Tempo Angsuran Arrum Haji 73,39% 19,26% 3,93% 1,14% 3,73% 100% 27,89% 96,44% 17,80% 0,95% 0,07% 0,28% 100% 37,30% b. DR : 181 sd. 270 hari setelah Jatuh Tempo Angsuran Gadai 65,12% 2,27% 1,36% 0,22% 1,09% 100% Arrum Mikro 54,24% 32,21% 2,48% 0,91% 1,68% 100% 3,76% c. Macet : > 270 hari setelah Jatuh Tempo Angsuran Rahn Tasjily Tanah 58,69% 40,69% 1,77% 0,86% 7,67% 100% 56,35% Amanah 64,47% 31,01% 1,28% 0,34% 2,40% 100% 70,24% % NPL = Nominal NPL Kreasi 97,50% 31,51% 0,07% 0,01% 2,27% 100% 57,76% OSL Kresna 88,36% 0,15% 0,00% 0,00% 0,00% 100% 57,45% Lainnya 66,33% 11,64% 1,35% 0,44% 3,20% 100% 92,32% 28,68% 1,00% 0,12% 0,68% 100% 2,50% Non Gadai 5,88% 11,64% Total 52,21% 10,39% 96

Delta Nominal NPL (Gadai dan Non Gadai) (Dalam Jutaan rupiah, kecuali dinyatakan lain) 30 November 2020 31 Desember 2020 Delta Produk OSL Nominal NPL NPL OSL Nominal NPL NPL Kontribusi OSL Nominal NPL % NPL Nominal NPL 1 2 3 45 6 7 8 9=5-2 10=6-3 11=7-4 Gadai KCA* 38.968.862 64.473 0,17% 39.095.701 37.959 0,10% 6,65% 126.840 -26.514 -0,07% Krasida 2,64% 6,43% -13.109 -3.252 -0,21% RAHN 1.400.799 39.919 2,85% 1.387.690 36.667 0,06% 0,69% -3.689 -0,06% Emas ** 1,67% 2,87% 7.821 -3.220 -0,38% Arrum Emas 6.451.435 7.623 0,12% 6.459.256 3.933 1,80% 1,25% 23.558 -99 -0,04% Arrum Safar 15,86% 0,02% -273 -30,79% Arrum Haji 954.217 19.581 2,05% 977.775 16.360 8,81% 13,75% 3.613 -1,28% 0,37% 31,65% -171 -12.999 -0,10% Gadai 392.354 7.210 1,84% 395.968 7.111 2,68% 2,36% -15.897 -50.047 -0,49% Arrum Mikro 5,07% 6,83% 132.654 -1,37% Rahn Tasjily Tanah 800 373 46,64% 629 100 10,30% 26,18% -24.824 -3.229 -1,34% Amanah 4,02% 29,24% -33.646 -12.712 -0,93% Kreasi 906.759 91.444 10,08% 890.862 78.446 2,35% 3,74% -113.655 -32.653 -0,08% Kresna 0,00% 0,00% -205.101 -48.661 -1,70% Lainnya*** 49.075.227 230.624 0,47% 49.207.881 180.577 5,00% 68,35% 6.332 -0,97% 1,00% 100,00% -908 -614 -0,25% Non Gadai 528.816 16.714 3,16% 503.992 13.484 -371.801 -292 Total -239.147 -98.162 802.733 51.695 6,44% 769.087 38.983 -148.209 *Gadai KCA, Gadai Efek 1.564.443 182.056 11,64% 1.450.788 149.404 4.359.442 215.488 4,94% 4.154.341 166.828 901.856 21.944 2,43% 908.189 21.329 17.233 292 1,70% 16.325 - 8.174.523 488.189 5,97% 7.802.722 390.028 57.249.750 718.813 1,26% 57.010.603 570.604 **Mulia, Emasku, Gadai Tabungan Emas **Kremada , KTJG,Digital Landing ▪ Penurunan NPL Produk Gadai secara total didominasi penurunan NPL Produk Gadai KCA yang disebabkan penjualan BJDPL kategori macet (>60 hari) ▪ Penurunan NPL Produk Non Gadai disebabkan oleh pelunasan, restrukturisasi, penjualan barang jaminan, pencairan klaim, dan hapus buku. 97

Delta Nominal NPL (Konvensional dan Syariah) (Dalam Jutaan rupiah, kecuali dinyatakan lain) 30 November 2020 31 Desember 2020 Delta Produk OSL Nominal NPL OSL Nominal NPL Kontribusi OSL Nominal % NPL NPL NPL Nominal NPL NPL 1 2 3 4 5 67 8 9=5-2 10=6-3 11=7-4 Konvensional 46.602.410 361.698 0,78% 46.540.022 279.144 0,60% 48,92% -62.388 -82.554 -0,18% Gadai 41.323.878 123.973 0,30% 41.461.166 90.987 0,22% 15,95% 137.289 - KCA*) 38.968.862 0,17% 39.095.701 37.959 0,10% 126.840 (32.986) -0,08% - Krasida 64.473 2,85% 36.667 2,64% 6,65% (13.109) - Emas**) 1.400.799 39.919 2,05% 1.387.690 16.360 1,67% 6,43% (26.514) -0,07% Non Gadai 954.217 19.581 4,50% 977.775 2,87% 23.558 - Kreasi 237.724 4,94% 188.157 3,70% 32,98% (199.677) (3.252) -0,21% - Kresna 5.278.532 215.488 2,43% 5.078.855 166.828 4,02% 29,24% (205.101) - Lainnya***) 4.359.442 21.944 1,70% 4.154.341 3,74% (3.220) -0,38% 3,35% 21.329 2,35% 0,00% 6.332 Syariah 901.856 292 1,38% 908.189 0 0,00% 51,08% (908) (49.567) -0,80% Gadai 17.233 357.116 0,12% 16.325 15,70% -176.759 - Rahn 106.651 1,84% 291.460 2,78% 0,69% (4.634) (48.661) -0,93% - Arrum Emas 10.647.340 46,64% 10.470.582 89.590 1,16% 1,25% 7.821 - Arrum Safar 7.751.349 7.623 10,08% 7.746.714 3.933 0,06% 0,02% 3.613 (614) -0,08% - Arrum Haji 6.451.435 7.210 8,65% 6.459.256 7.111 1,80% 13,75% (171) Non Gadai 392.354 3,16% 395.968 100 15,86% 35,38% (15.897) (292) -1,70% - Arrum Mikro 800 373 6,44% 629 78.446 8,81% 2,36% (172.124) - Rahn Tasjili Tanah 906.759 91.444 11,64% 890.862 6,83% (24.824) -65.655 -0,57% - Amanah 2.895.991 250.465 1,26% 2.723.867 201.871 7,41% 26,18% (33.646) Total NPL 528.816 16.714 503.992 13.484 2,68% 100,00% (113.655) (17.061) -0,22% 802.733 51.695 769.087 38.983 5,07% (239.147) 1.564.443 182.056 1.450.788 (3.689) -0,06% 718.813 149.404 10,30% 57.249.750 57.010.603 570.604 1,00% (99) -0,04% (273) -30,79% (12.999) -1,28% (48.594) -1,24% (3.229) -0,49% (12.712) -1,37% (32.653) -1,34% (148.209) -0,25% 98 *Gadai KCA, Gadai Efek **Mulia, Emasku, Gadai Tabungan Emas **Kremada , KTJG,Digital Landing

Matriks Kolektibilitas Kolektibilitas Non Performing Loan Produk Lancar DPK KL DR Macet Keterangan 1 5 234 GADAI KCA - 1-30 31-60 - >60 M/OSL Setelah Cut Off KRASIDA - 1-30 31-60 - >60 M/OSL Setelah Jatuh Tempo Angsuran RAHN - 1-30 31-60 - >60 M/OSL Setelah Cut Off MULIA - 1-15 16-30 31-60 >60 M/OSL Setelah Jatuh Tempo Angsuran ARRUM EMAS - 1-30 31-60 - >60 M/OSL Setelah Jatuh Tempo Angsuran ARRUM SAFAR - 1-15 16-30 - >30 M/OSL Setelah Jatuh Tempo Angsuran ARRUM HAJI - 1-90 91-180 181-270 >270 (KL+DR+M)/OSL Setelah Jatuh Tempo Angsuran ARRUM MIKRO - 1-90 91-180 181-270 >270 (KL+DR+M)/OSL Setelah Jatuh Tempo Angsuran RAHN TANAH - 1-90 91-180 181-270 >270 (KL+DR+M)/OSL Setelah Jatuh Tempo Angsuran AMANAH - 1-90 91-180 181-270 >270 (KL+DR+M)/OSL Setelah Jatuh Tempo Angsuran KREASI - 1-90 91-180 181-270 >270 (KL+DR+M)/OSL Setelah Jatuh Tempo Angsuran KRESNA Tanpa 31-90 91-180 181-270 >270 (KL+DR+M)/OSL tunggakan Setelah Jatuh Tempo Angsuran & 1-30 *) Perubahan umur Kolektibilitas Produk Gadai KCA, Krasida, Rahn, Arrum Emas berlaku mulai tgl 31 Mei 2020. DPK (1-15) hari menjadi (1-30) hari, KL (15-30) hari menjadi (31-60) hari, Macet (>30) hari menjadi (>60) hari **) Perubahan umur kolektibilitas Produk Kresna berlaku mulai tgl 31 Oktober 2020. 99 Lancar (tanpa tunggakan) menjadi (tanpa tunggakan & 1 -30) hari, DPK (1-90) hari menjadi (31-90) hari

Rasio Kolektibilitas Gadai dan Non Gadai s.d Desember 2020 (Dalam miliar rupiah, kecuali dinyatakan lain) NPL Loan at Risk (LaR) NPL LaR PRODUK LANCAR DPK KL DR MACET OSL Restruk CKPN Coverage Coverage Nom Kol 1 3 45 6 % Kol 2 sd 5 Nom % ratio Ratio 1 2 457 238 0 38 7 8 9 = 8:7 10=2+3+4+5 11 12=10+11 13=12:7 14 15=14:8 16=14:12 263 110 0 37 Gadai KCA 38.364 117 31 0 4 39.096 38 0,10% 732 - 732 1,87% 248 653,56% 33,89% Krasida 978 44 32 22 16 29,53% Rahn 76 21 0 7 1.388 37 2,64% 410 - 410 2,35% 102 279,53% 25,01% Mulia 6.308 11,67% Arrum Emas 864 0 00 0 6.459 4 0,06% 152 - 152 27,89% 21 532,93% 13,82% Arrum Umroh 291 159 35 10 33 38,09% Arrum Haji 0 1.115 467 32 135 978 16 1,67% 114 - 114 37,30% 74 453,34% 65,00% 654 162 71 5 3,76% Gadai 313 19 7 13 396 7 1,80% 105 6 110 56,35% 21 300,36% 19,34% Arrum Mikro 47.458 450 26 12 111 70,24% Rahn Tasjily Tanah 328 1.309 53 14 100 1 0 15,86% 0 - 0 57,76% 0 0,00% 16,06% Amanah 417 1 0 21 57,45% Kreasi 851 1 105 35 250 891 78 8,81% 237 95 332 2,50% 220 280,69% 66,26% Kresna 2.238 52,21% 2.824 49.208 181 0,37% 1.750 101 1.851 687 380,61% 37,14% Non Gadai 886 504 13 2,68% 176 108 284 147 1089,99% 51,75% 5.321 769 39 5,07% 352 188 540 274 703,29% 50,75% 1.451 149 10,30% 599 239 838 445 297,99% 53,13% 4.154 167 4,02% 1.476 911 2.387 1.190 713,32% 49,86% 908 21 2,35% 23 - 23 34 159,14% 149,67% 7.803 390 5,00% 2.628 1.446 4.074 2.091 536,00% 51,32% Total 52.779 3.353 572 67 385 57.011 571 1,00% 4.377 1.547 5.924 10,39% 2.778 486,83% 46,89% 100 LAR (Loan at Risk) = DPK + KL + DR + Macet + Restruk Kol 1 NPL Coverage Ratio = CKPN : NPL LaR Coverage Ratio = CKPN : LaR