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THE COMPANY's ARTICLE of ASSOCIATION PT. BANK CHINA CONSTRUCTION BANK INDONESIA TBK (CCB INDONESIA) Overall Articles of Association in Accordance with Deed No

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THE COMPANY's ARTICLE of ASSOCIATION PT. BANK CHINA CONSTRUCTION BANK INDONESIA TBK (CCB INDONESIA) Overall Articles of Association in Accordance with Deed No THE COMPANY'S ARTICLE OF ASSOCIATION PT. BANK CHINA CONSTRUCTION BANK INDONESIA TBK (CCB INDONESIA) Overall Articles of Association in accordance with Deed No. 48, dated 19 June 2015 by Notary Johny Dwikora Aron SH and update changes to: - Article 1 paragraph 1 (name of the Company) is contained in Deed No. 58, dated 11 November 2016 by Notary Eliwaty Tjitra SH - Article 1 paragraph 1 (domicile) is contained in Deed No. 28, dated 10 October 2018 by Notary Eliwaty Tjitra SH - Article 4 paragraph 2 (Paid Up Capital) is contained in Deed No. 87, dated December 16, 2020 by Notary Eliwaty Tjitra SH - Article 4 paragraph 1 (Authorized Capital) is contained in Deed No. 36, dated 11 October 2019 by Notary Eliwaty Tjitra SH - Article 23 (Board of Directors) is contained in Deed No. 89, dated 25 October 2016 - Article 25 (Board of Directors Meeting) is contained in Deed No. 28, dated 10 October 2018 by Notary Eliwaty Tjitra SH - Article 26 (Board of Commissioners) is contained in Deed No. 89, dated 25 October 2016 - Article 28 (Meeting of the Board of Commissioners) is contained in Deed No. 28, dated 10 October 2018 by Notary Eliwaty Tjitra SH ARTICLE OF ASSOCIATION 1 NAME AND DOMICILE Article 1 1. This limited liability company is named PT Bank China Construction Bank Indonesia Tbk (hereinafter shall be referred to as CCB Indonesia), domiciled in Jakarta Pusat. 2. The Company may open branches or representatives, within or outside the territory of the Republic of Indonesia as stipulated by the Board of Directors by considering all provisions of the applicable statutory regulations. PERIOD OF ESTABLISHMENT OF THE COMPANY Article 2 The Company was established for unspecified length of period and beginning on the twelfth of October, one thousand nine hundred and seventy-four (12-10-1974). AIM AND OBJECTIVE AND BUSINESS ACTIVITY Article 3 3.1 The aim and objective of the Company are: To operate business as Public Bank. 3.2 Business Activities: In order to attain the aim and objective, the Company may conduct the following business activities: a. To collect fund from the public in the form of giro saving, time deposit, certificate of deposit, savings and/or other forms equal to it; b. To grant credit, such as medium, long or short term credit or other types considered as common in banking sector; c. To issue an acknowledgement of indebtedness; d. To purchase, sell or guarantee on its own risk or for the interest and under the order of its customer: i. Bills of exchange including those accepted by the bank which validity period is not longer than the common practices in the trading of such documents; ii. Acknowledgement of indebtedness and other trading documents which validity period is not longer than the common practices in the trading of such documents; iii. State treasury paper and government guarantee instruments; iv. Bank Indonesia Certificates (SBI); v. Bond; vi. Promissory notes which shall be tradable with period up to 1 (one) year; vii. Other securities with period up to 1 (one) year; e. To transfer money for its own interest or for its customer’s interest; f. To place fund on, to borrow fund from or to lend fund to other banks, by using letters, telecommunication facilities or by bills of presentment, checks or other facilities; ARTICLE OF ASSOCIATION 2 g. To receive payment of any bills on securities and to conduct calculation with or between third parties; h. To provide place to store valuable goods and securities; i. To conduct bailment for the interest of other parties under a contract; j. To conduct fund placement from a customer to other customers as securities registered in the stock exchange; k. To purchase collateral, completely or partly through auction in terms of debtor is unable to meet its obligations to the Company under the provision that such purchased collateral shall be obliged to be disbursed immediately; l. To conduct factoring, credit business and trusteeship; m. To conduct activities in foreign currency by complying with the provisions stipulated by Bank Indonesia; n. To conduct activities as operator of pension fund in accordance with the valid statutory regulations, whether as founder of employer pension fund or as founder and/or participant of financial institution pension fund; o. To conduct capital participation in other bank or company in financial of lease income, venture capital company, insurance company, clearing and guarantor institution and depository and settlement institution, by complying with the provisions as stipulated by the authorized institution; p. To conduct temporary capital participation to overcome bad credits, under the provision to retract its participation in accordance with the provisions as stipulated by Bank Indonesia; q. To provide funding and or to conduct other activities in accordance with the provisions as stipulated by Bank Indonesia; r. To seek to other businesses directly or indirectly related with the aims as stated above which implementation shall not in contrary to the applicable Laws in Indonesia. 3.3 Main Business Activities: In order to realize the aim and objective as stated above, the Company may conduct the following main business activities: a. To collect fund from the public in the form of giro saving, time deposit, certificate of deposit, savings and/or other forms equal to it; b. To grant credit, such as medium, long or short term credit or other types considered as common in banking sector; c. To issue an acknowledgement of indebtedness; d. To purchase, sell or guarantee on its own risk or for the interest and under the order of its customer: i. Bills of exchange including those accepted by the bank which validity period is not longer than the common practices in the trading of such documents; ARTICLE OF ASSOCIATION 3 ii. Acknowledgement of indebtedness and other trading documents which validity period is not longer than the common practices in the trading of such documents; iii. State treasury paper and government guarantee instruments; iv. Bank Indonesia Certificates (SBI); v. Bond; vi. Promissory notes which shall be tradable with period up to 1 (one) year; vii. Other securities with period up to 1 (one) year; e. To transfer money for its own interest or for its customer’s interest; f. To place fund on, to borrow fund from or to lend fund to other banks, by using letters, telecommunication facilities or by bills of presentment, checks or other facilities; g. To receive payment of any bills on securities and to conduct calculation with or between third parties; h. To conduct fund placement from a customer to other customers as securities registered in the stock exchange; i. To conduct activities in foreign currency by complying with the provisions stipulated by Bank Indonesia; j. To provide funding and or to conduct other activities in accordance with the provisions as stipulated by Bank Indonesia; 3.4 Supporting Business Activities: In order to support the Company’s main business activities, the Company may conduct the following supporting business activities: a. To provide place to store valuable goods and securities; b. To conduct bailment for the interest of other parties under a contract; c. To purchase collateral, completely or partly through auction in terms of debtor is unable to meet its obligations to the Company under the provision that such purchased collateral shall be obliged to be disbursed immediately; d. To conduct factoring, credit business and trusteeship; e. To conduct activities as operator of pension fund in accordance with the valid statutory regulations, whether as founder of employer pension fund or as founder and/or participant of financial institution pension fund; f. To conduct capital participation in other bank or company in financial of lease income, venture capital company, insurance company, clearing and guarantor institution and depository and settlement institution, by complying with the provisions as stipulated by the authorized institution; g. To conduct temporary capital participation to overcome bad credits, under the provision to retract its participation in accordance with the provisions as stipulated by Bank Indonesia; ARTICLE OF ASSOCIATION 4 h. To seek to other businesses directly or indirectly related with the aims as stated above which implementation shall not in contrary to the applicable Laws in Indonesia. CAPITAL Article 4 1. The Company’s authorized capital is IDR6,000,000,000,000,- (six trillion rupiah), which is divided to 60,000,000,000 (sixty billion rupiah) shares, each share has nominal value of IDR100,- (one hundred rupiah). 2. Issued Capital and Paid Up Capital. 3. Of the authorized capital, 63.199% (sixty-three point one nine nine percent) or in the number of 37,919,730,514 (thirty-seven billion nine hundred and nineteen million seven hundred and thirty thousand five hundred and forteen) shares with a total nominal value of IDR3,791,973,051,400,- (three trillion seven hundred and ninety-one billion nine hundred and seventy-three million fifty-one thousand four hundred rupiah) and regarding the names of the shareholders who subscribed for the shares, details of the number of shares and nominal value of the issued and paid up shares shall be as stated in the part of other provisions in article 33 paragraph 33.1.Capital paying up may also be conducted by other means in addition to by cash by complying with the provisions of the applicable statutory regulations and shall be previously approved by the General Meeting of Shareholders by complying with the applicable statutory regulations, specifically regulations in Capital Market, which payment on share, in tangible asset or intangible asset shall be obliged to comply with the following provisions: a. the object to be made paid up capital shall be obliged to be announce in 1 (one) or more daily newspaper in Indonesian language at the time of calling of the General Meeting of Shareholders concerning the paying up; b.
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