In millions

Except for percentages 4Q22 4Q21 YoY% 3Q22 QoQ%

Loan Receivables 120,613 91,812 31.37% 114,586 5.26%
Total Revenue 5,611 4,233 32.55% 5,185 8.22%
Net Profit 1,132 1,100 2.91% 1,205 -6.06%
Net Profit Margin 20.17% 25.99% 23.24%
In millions
Except for percentages
2017 2018 2019 2020 2021 2022 YoY%

Loan Receivables 35,622 48,047 60,338 70,968 91,812 120,613 31.37%

Total Revenues 7,470 10,417 12,688 14,733 16,019 20,068 25.28%

Net Profit 2,501 3,713 4,237 5,214 4,945 5,093 3.00%

Net Profit Margin 33.47% 35.64% 33.40% 35.38% 30.87% 25.38%

52-week High/Low (31/12/22) 61.00/32.50
Share Outstanding (millions) 2,120.00
Market Capital (millions) 80,560.00
P/E Ratio 15.92
P/BV Ratio 2.88
Dividend Policy not to exceed 50%
 Loan Receivables and No. of Branches Loan Receivables Classified
14.38 14.69 14.53 15.83 16.01 16.59 17.50 18.09 1.12% 1.03% 1.05% 1.39% 1.65% 1.96% 2.28% 2.91%
12,000 6.88% 7.93% 6.33% 5.36% 6.84% 8.41% 8.85%
120,613 9.96%
120,000 107,401114,586
91,812 98,612
8,000
70,968
60,338
48,047
60,000
5,799 6,161 6,475 6,547 6,668 4,000 92.00% 91.04%92.62% 93.25% 91.51% 89.63% 88.87% 87.14%
4,884
4,107
3,279
0 -
2018 2019 2020 2021 1Q22 2Q22 3Q22 4Q22 2018 2019 2020 2021 1Q22 2Q22 3Q22 4Q22
Loan receivable Number of branch
Loan receivable per branch Stage 1 Stage 2 Stage 3
Allowance for Doubtful Account Asset Quality Ratio
278% 276% 178%
144% 113% 96% 102% 105%

4,000 3,686 6%
3,507 4.33%
2,671
4% 3.33%
2,611 2.66%
1,840 2,025
1,715 1,832 2,104 1.87%
2,000 1,499 1,328 1,630 2% 1.40% 1.02% 0.90%
1,276 0.39% 0.63%
621 747
540 0%
0 2018 2019 2020 2021 2022 1Q22 2Q22 3Q22 4Q22
2018 2019 2020 2021 1Q22 2Q22 3Q22 4Q22 Credit cost = Bad debts and doubtful account / Loan receivables
Coverage ratio = allowance for doubtful (ECL) / NPL
Allowance for doubtful accounts (ECL) NPL
 Total Revenues Revenues Structure
20,069 0.7% 0.7% 0.3% 0.3% 0.3% 0.5% 0.4% 0.4%
16,018 100% 7.6% 5.3% 4.9% 4.8% 3.4% 3.8% 4.0% 4.5%
18,000 14,732 5,611
12,688 80%
10,417 3,890 4,233
12,000 3,455 5,185 60%
2,821 3,737 4,032
3,304 4,825 40% 91.6% 94.0% 94.8% 94.9% 96.3% 95.7% 95.6% 95.1%
6,000 2,711 3,572 3,896
2,537 3,071 20%
3,533 3,857 4,448
2,348 2,858
0 0%
2018 2019 2020 2021 2022 2018 2019 2020 2021 1Q22 2Q22 3Q22 4Q22
Q1 Q2 Q3 Q4 Interest Income & Management fee Fee and Service Income Other income

Interest Incomes SG&A Expenses

19,199 10,000 47.49%47.57%50.11%46.76% 51.06%
46.76%45.14%44.82%
44.01% 50.00%
20,000
15,195 8,000
13,962 5,338 40.00%
11,880 2,152
15,000
4,082 6,000 5,314 1,560 2,023
9,544 3,690 4,959 30.00%
3,248 4,103 2,008
10,000 3,844
2,612
3,105
3,555 4,000 1,533 1,780 20.00%
2,478 3,684 4,617 1,946
5,000 2,862 3,385 2,000 1,520 1,657
2,314 10.00%
4,285
2,140 2,665 3,332 3,585 1,491 1,501 1,963 1,963 1,946 2,008 2,152
0 0 0.00%
2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 1Q22 2Q22 3Q22 4Q22
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 % cost to income
 Net Profit
• Interest Income is calculated using Effective Interest
Rate method 7,500
5,214 5,093
4,945
• Non-Interest Income is collection fee + brokerage fee 6,000
3,713
4,237
4,500 1,370 1,100 1,132
income 1,002 1,131
1,340 1,201 1,205
3,000 1,080
• Other Income is consisted of Deposit Interest 965
1,021
1,267 1,270 1,381
1,500 912 1,375
Income + Revenue from Asset Depositions 834 1,005 1,237 1,374
0
2018 2019 2020 2021 2022
Q1 Q2 Q3 Q4
Interest Income Ratio, Interest Expense Ratio and Interest Spread Net Profit Margin and Return on Equity
30%
23.79% 22.58%
21.77% 40% 35.64%33.40%35.39%
19.41% 18.38% 18.36% 18.27% 18.26% 18.65% 30.87% 30.93%
28.62%
20% 30% 34.96% 25.38% 23.24%
20.26% 29.98% 28.45% 20.17%
18.80% 18.19%
16.01% 15.08% 20%
10% 15.17% 15.11% 15.06% 15.28% 21.71%
18.88% 19.36% 19.05% 18.45%
3.53% 3.78% 3.58% 3.40% 3.30% 3.19% 3.16% 3.20% 3.37% 10% 17.84%

0% 0%
2018 2019 2020 2021 2022 1Q22 2Q22 3Q22 4Q22 2018 2019 2020 2021 2022 1Q22 2Q22 3Q22 4Q22
Interest Income Ratio Interest Expense Ratio Interest Spread Net Profit Margin Return on Equity
 Interest Bearing Debts Total Liabilities
100,000 7.98% 8.66% 95,206 98,976
7.10% 88,982
4.79% 100,000
80,000 6.29% 25.51% 26.13% 73,521 79,567
4.70% 32.83% 80,000
60,000 36.74% 65.21%
56,540
4.30% 36.48%
66.51% 60,000 45,900
13.47% 36,847
40,000 28.94% 33.05% 60.07%
17.61% 57.23%
40,000
58.47%
20,000 68.92% 66.76% 62.25% 20,000
0 0
2018 2019 2020 2021 1Q22 2Q22 3Q22 4Q22 2018 2019 2020 2021 1Q22 2Q22 3Q22 4Q22
Long-term Loans Current of Long-term Loans Short-term Loans
Shareholders’ Equity Debt to Equity Ratio
30,000 26,840 28,014 29,091 4.00 3.32 3.40 3.40
24,869 26,244
3.00 2.87 2.73 2.96 3.03
24,000 20,682 3.00
18,000 15,972
12,299 2.00
12,000
1.00
6,000
- 0.00
2018 2019 2020 2021 1Q22 2Q22 3Q22 4Q22 2018 2019 2020 2021 1Q22 2Q22 3Q22 4Q22
Fundamental
No. Financial Status Ratio Year 2022 Year 2021 % 4Q22 3Q22 %

1. Net loan receivables 120,613.46 91,812.43 31.37 120,613.46 114,586.38 5.26

2. Allowance for doubtful account 3,685.79 1,831.86 101.20 3,685.79 2,670.91 38.00

3. NPL 3,506.57 1,275.93 174.82 3,506.57 2,611.16 34.29

4. Allowance/NPL (2/3) 105.11% 143.57% 105.11% 102.29%

5. NPL / Net AR (3/1) 2.91% 1.39% 2.91% 2.28%

6. Write off 18.34 100.37 -81.73 -13.47 3.52 -482.67

7. NPL+Write off (3+6) 3,524.91 1,376.30 156.11 3,493.10 2,614.68 33.60

8. NPL+Write off / Net AR (7/1) 2.93% 1.50% 2.90% 2.28%

9. Total asset 128,066.20 98,389.84 30.16 128,066.20 123,219.78 3.93

10. Total liabilities 98,975.60 73,521.34 34.62 98,975.60 95,205.98 3.96

11. Total equity 29,090.60 24,868.50 16.98 29,090.60 28,013.80 3.84

12. D/E ratio (10/11) 3.40 2.96 3.40 3.40

Growth
No. Efficiency Ratio Year 2022 Year 2021 % 4Q22 3Q22 %

13. Total revenue 20,068.49 16,018.74 25.28 5,610.77 5,185.16 8.21

14. Interest and fee income 19,199.06 15,195.21 26.35 5,337.75 4,958.99 7.64
15. Fee and service income 791.53 768.78 2.96 251.84 206.04 22.23
16. Net profit 5,093.09 4,944.55 3.00 1,131.64 1,205.28 -6.11
17. Net profit / Total revenue (16/13) 25.38% 30.86% 20.17% 23.24%

Efficiency
No. Efficiency Ratio Year 2022 Year 2021 % 4Q22 3Q22 %
Gain arising from derecognition of financial assets
18. -393.68 19.51 -2,117.84 -493.27 35.48 -1,490.28
measured at amortised cost
19. Expected credit loss 2,433.23 747.99 225.30 780.88 958.81 -18.56
20. Total employees 12,992 11,447 13.50 12,992 12,554 3.49
21. Total branches 6,668 5,799 14.99 6,668 6,547 1.85
22. Net loan receivables per employee (1/20) 9.28 8.02 15.71 9.28 9.13 1.64
23. Net loan receivables per branch (1/21) 18.09 15.83 14.28 18.09 17.50 3.37