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Our Indonesia Story: AgencyPulling ahead from competition through fast executionAPE (Rp bn)Back officetransformationFull e‐licencing• Pioneered General Agency to facilitate fastand cost effective expansionLaunch ILPSFA, CD licence,e‐ testingLaunch ofSyariah ILPIntroductionof GA system• Geographic expansion enables us to buildagency scale and access new customersegments• First to launch ILP using “protect then invest”approach• Launch Syariah ILP increasing Muslimcustomer base to over 40%• Invested in e-testing & e-licensing workingclosely with the regulator in advance oftightening of licensing requirements• 52% of total licensed agents in marketat Q3’1073

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