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PRIVATE AND CONFIDENTIAL

OJK & PwC Data

Ticket Size & #Transactions (Borrower) Loan/account


1,800,000 7,446,192 8,000,000 130,000,000 5,300,000
6,687,801
1,600,000 7,000,000
5,910,691 120,000,000 5,100,000
1,400,000 6,000,000
1,200,000 4,900,000
5,000,000 110,000,000
1,000,000 3,615,348
3,811,332 4,700,000
4,000,000 100,000,000
800,000 2,832,751 2,968,613 2,964,567
4,500,000
2,592,504
3,000,000
600,000 90,000,000
2,000,000 4,300,000
400,000
80,000,000 4,100,000
200,000 1,000,000

- - 70,000,000 3,900,000

Transaction Jawa Transaction Luar Jawa Lender Borrower


a. Jawa (Borrower dari Jawa) b. Luar Jawa (Borrower dari Luar Jawa)

Borrower to Lender Ratio Projected Loan Disbursement (IDR Trillion)

25% 180% 223


161%
143% 145% 138% 160%
20% 128% 130%
121% 123% 127% 140%
CAGR=197%
120%
15%
100%
80%
10%
60%
75
5% 40%
20%
0% 0% 23 YTD
60.4 Sep
0.3 2.6 2019

2016A 2017A 2018A 2019F 2020F


New Lender Penetration New Borrower Penetration 1
Borrower to Lender Ratio