P T Bank Pan Indonesia Tbk : Invitation Ads of AGM 22 June 2022

INVITATION TO

ANNUAL GENERAL MEETING OF SHAREHOLDERS (AGMS/RUPST) OF

PT. BANK PAN INDONESIA, Tbk.

abbreviated as PT. BANK PANIN, Tbk.

("Company")

The Board of the Directors of the Company shall hereby invite the Shareholders to attend the AGMS (Meeting) to be held on:

Day/Date	:	Wednesday/22nd June 2022
Time	:	11:00 WIB (Western Indonesian Time
		Zone)
Venue	:	Panin Bank Building, 4th Floor,
		Jl. Jend. Sudirman - Senayan,
		Central Jakarta

Agenda of the Meeting:

1. Approval for the Company's Annual Report on business activities and Validation of the Company's Annual
   Financial Statement, including the Supervision Report of the Board of Commissioners of the Company for the accounting year of 2021.
2. Approval for the use of profits for the accounting year ended on 31st December 2021.
3. Stipulation of honorarium of the Board of Commissioners of the Company and Granting of authority to the Board of Commissioners of the Company in order to stipulate wages and allowances of the members of the Board of Directors of the Company.
4. Appointment of a Public Accountant to audit the Company's books for the accounting year of 2022.
5. Amendment of the Company Management.
6. Approval for the update of the Company's Recovery Plan of the January 2022 revision and the update of the Company's Recovery Plan of the June 2022 revision.

under following elaborations of the agenda:

• Agenda items 1 to 4 are items which are routinely discussed in the Company's Meeting, except for the 2nd agenda regarding the distribution of dividends which will be described separately which will be held at the Meeting. This is in accordance with the provisions of the Company's Articles of Association and Law No. 40 of 2007 on Limited
  Liability Companies ("UUPT") and Regulations of the Financial Services Authority ("POJK").
• Agenda item No. 5 has complied with provisions of Article 16.10 and Article 18.6 of the Company's Articles of
  Association on structural amendment of the Board of Directors and Board of Commissioners of the Company, where it shall be decided by the Meeting.
• Agenda item No. 6 has complied with the Regulations of the Financial Services Authority.

General Conditions:

1. The Meeting shall be held by referring to the POJK No. 15/POJK.04/2020 on Plan and Implementation of General Meetings of Shareholders of Public Companies ("POJK 15/2020") and the Company's Articles of Association.
2. The Company shall not send a separate invitation to the Shareholders and this invitation is an official invitation for the Shareholders to attend the Meeting.
3. This invitation may also be found on the Company's website atwww.panin.co.id; website of the Indonesian Stock Exchange and eASY.KSEI apps.
4. The Shareholders who are entitled to attend or be represented in the Meeting are Shareholders whose names are registered in the List of the Company Shareholders on 30th May 2022 at the closing of the Indonesian Stock
   Exchange's trading hours.
5. In the view of the current condition, the Company shall hereby suggest the Shareholders not to present physically. Instead, they may grant a power of attorney to an Independent Party, i.e. Share Registrar PT. Raya Saham Registra ("BAE"), which will represent the

Principal to cast any votes and submit any queries to the Meeting.

6. The participation of the Shareholders in the Meeting may take following mechanisms:

1. Attend the Meeting in person
   The Shareholders, who will attend the Meeting, prior to entering the Meeting venue, shall be requested to:
2. 1. Inform the SID (Single Investor Identification) number from KSEI.
   2. Submit the photocopy of the Electronic
      Resident's Identity Card ("e-KTP") to any authorized officials.
   3. For any Legal Entity Shareholders or Proxy of the Legal Entity Shareholders, they shall submit: (i) Power of Attorney determined by the Company, (ii) photocopy of the latest Articles of Association of the Company, (iii) photocopy of the latest deed of appointment of management of the Company, and (iv) special power of attorney (if required by the Articles of Association of the relevant Legal Entity).
   4. Shareholders in the collective custody of KSEI are required to show a Written Confirmation for the GMS ("KTUR") to the registration officer before entering the Meeting room.
   5. In the view of the current condition and in order to support the Government in tackling the Covid-19 spread, the meeting participants who will physically attend the meeting, are required to comply with applicable government regulations.
   6. Shareholders who have attended the Meeting venue but are prohibited from attending due to the reasons listed in point 8 below, may exercise their rights by granting power of

attorney to attend and giving their voting rights to the Share Registrar (BAE) representative by signing the Power of Attorney form provided by the Company at the Meeting location no later than at least before the start of the Meeting.

1. Grant of the Power of Attorney
2. 1. Electronic Power of Attorney
      The Company shall suggest to the Shareholders in the Collective Trust of PT. Kustodian
      Sentral Efek Indonesia ("KSEI") to grant an electronic power of attorney ("e-Proxy") to an
      Independent Proxy, namely a representative appointed by the Company's Share Registrar PT. Raya Saham Registra ("BAE"), in the eASY.KSEI
      facility on the Securities Holding Website/AKSes.KSEI (https://akses.ksei.co.id/);
      The Shareholders may also grant an electronic power of attorney/e-Proxy to the Proxies appointed by the Shareholders, provided that such Proxies have been registered in the eASY.KSEI facility.
      The granting of an electronic power of attorney/e-Proxy is subject to procedures, terms and conditions stipulated by KSEI and the Company. The Power of Attorney form is available on the Company's website link (https://www.panin.co.id/pages/1063/rups-2
   2. Non-ElectronicPower of Attorney
   3. • In addition to the electronic power of
        attorney/e-Proxy aforesaid, the Shareholders may grant a power of attorney by utilizing other mechanisms than eASY.KSEI.

1. 1. • Original Power of Attorney and copy of identity cards (e-KTP/Passport) shall be directly submitted to the Company's Share
        Registrar, PT. Raya Saham Registra ("BAE") prior to the Meeting.
   2. The Shareholders who have granted electronic power of attorney may submit a query or opinion on the Meeting Agendas via a question form and procedure, which may be downloaded from the
      Company's website (www.panin.co.id), and send the form by email to: [e-mail] no later than 17th June 2022.
   3. The Shareholders or their proxies, whether they will attend the Meeting or the Shareholders will cast their votes via the eASY.KSEI apps, may inform their attendance, proxy, and vote via the eASY.KSEI athttps://akses.ksei.co.id/.
2. The Meeting Materials are available at the Company's Head
   Office on business hours from the Meeting Invitation Date to the Meeting date and under Article 17 and 18 of the POJK 15/2020, the meeting agenda materials shall be available and may be accessed and downloaded from the
   Company's website (www.panin.co.id) since the GMS invitation date to the GMS date.
3. For any Shareholders or their Proxies who will attend the Meeting in person, following protocols shall be applicable.
4. • Show a vaccine certificate 1,2 and booster through
   • 1. Peduli Lindungi application. If you cannot show a vaccine certificate then you must have a Certificate of Rapid Antigen Test or Covid-19 PCR Swab Test with negative results obtained from hospital, Public Health Centers (Puskesmas), or clinics with a date of sampling 1 (one) day before the Meeting
   • Body temperature does not exceed 37.3 degrees