#1CORPORATE PRESENTATION 1Q2023 PT Bank Pembangunan Daerah bank bjb Jawa Barat dan Banten, Tbk (Regional Development Bank of West Java and Banten/BJBR.IJ) Please kindly scan to access the materials#2bank bjb Investment Proposition The Economic Potential of West Java & Banten As Indonesia's 2nd Largest Economic Region (Combined) Pioneer of Regional Development Bank (BPD) Synergy As Indonesia's Largest Regional Development Bank The First Movers on Sustainable Banking in Indonesia Strong Commitment to ESG Implementation Other 32 Provinces 4Q-2022 GRDP of West Java & Banten Rp 3,170.0 Tr (16.2% of Indonesia's GDP) 4Q-22 GRDP Growth 4.61% (West Java) 4.03% (Banten) Regional Budget (Budget 2022) Rp 208.3 Tr Population (Dec 2022) 61.7 Mn Other 26 BPDs Sustainable Portfolio Gratification Control (Collaboration with SNI ISO 37001 Rp 13.6 Tr KPK since March, 2011) (Anti-Bribery Management System/SMAP) bank bjb's Market Shares of BPD 17.6% By Total Assets (Bank Only)* Potential Banking Synergy Among BPD (POJK 12/2021) Total Assets* Total Net Income* MSME and Low Income Segment Empowerment Empowerment Program Financing Product KUR Rp 908 Tr (8.3% Shares) Rank #5 Rp 2.3 Tr (5.8% Shares) Rank #5 Pesat bjb iSentra *As of 28 February 2023, Bank Only mesra Rp 3 Tr 2023 Allocation FLPP 2023 Allocation 8.000 Houses Formidable Captive Market in a Well-Established Ecosystem Government-Related Value Chain Transforming From Regional to Nationwide Coverage With Hybrid-Bank Business Model Civil Servant Loan in West Java & Banten ~56.0% Market Share (by Person) Other Banks 100 Pipeline Pensioners Loan of Pension Benefit Payment through BJBR ~45.1% Market Share (by Person) GRDP: Gross Regional Domestic Products Offline Channels bank bjb Distribution Network 14 Provinces bank bjb's Business Group/KUB (Ongoing) 2 Regional Bank's Online Channels DIGI Digi Mobile User March 2023 (YoY) +94.5% QRIS Merchant March 2023 (YoY) +56.8% Expansive Loan Growth with Prudent Business Approach Respectable Numbers in Loan Quality Metrics Loan Growth YoY (Bank Only, Rp Tr) +10.3% Loan At Risk 6.4% 108.4 98.3 Micro Consumer Mortgage +16.3% Corporate +14.7% Commercial +34.0% +10.3% +5.8% NPL 1.2% NPL Coverage 121.9% Cost of Credit 0.1% 1Q22 1Q23 2#3West Java Banten The Economic Potential of West Java & Banten Region With Formidable Captive Market in Well-Established Ecosystem Benefited from West Java & Banten Economic Development As Indonesia's 2nd Largest Economic Region (Combined) - Source BPS West Java & Banten Economic Growth Top 3 Provinces Formidable Captive Market In Well-Established Ecosystem Government-Related Value Chain 6.21 5.60 5.57 6.03 5.63 5.62 National 5.06 4.90 3,186.5 4.61 2,422.8 2,730.9 4.03 GRDP Breakdown Based on Province Other Provinces The Highest GRDP in Indonesia (Rp Tr) Government Fund 747.3 Expenditure Q4-2021 Q1-2022 Q2-2022 Q3-2022 Q4-2022 Jakarta West Java & East Java Banten 8.0% 16.3% Jakarta 13.9% East Java 42.2 West Java Top 5 - The Highest Economic Sector (%) Banten - Top 5 The Highest Economic Sector (%) Total Top 5 Sectors 78.9% Other Sectors 21.1% 29.6 45.6% West Java 16.2% & Banten 14.4 12.5 12.4 10.9 8.6 8.4 7.8 5.4 Central Java GRDP: Gross Regional Domestic Products Industry Trade Agriculture Construction Transportation Industry Trade Total Top 5 Sectors 73.2% Other Sectors 26.8% Construction Transportation Real Estate Capital Expenditure Tax & Retribution bank bjb Fiscal Year of 2022 Regional State Budget ~ Rp208.3 West Java & Banten (37 Local Government, Trillion 2 Provinces, 13 Cities, 22 Regents) Revenue Products & Services Expenditure Personnel Expenditure Population in West Java and Banten (2022 Projected, BPS) West Java Banten 49.4 Mn 12.3 Mn 61.7 Mn (West Java alone is Indonesia's most populous province) 3 Indonesia 275.8 bn#4Pioneer of Regional Development Bank (BPD) Synergy As Indonesia's Largest Regional Development Bank Regional Development Bank Financial Performance (27 BPD, SPI OJK as of 28 February 2023) Total Assets Total Deposits Total Loans Rp Trillion Market Share (%) Total Net Profits Rp908 Tr +4.6% YoY Rp713 Tr +2.2% YoY Rp562 Tr +10.0% YoY Rp2.3 Tr -5.6% YoY CAR 23.4% -3 bps YoY NPL 2.3% bank bjb Regional Development Bank Breakdown Based on Total Assets (Bank Only, 28 February 2023) 17,6% bank bjb (Biggest BPD In Indonesia) Others (22 Banks) 49.0% -37 bps YoY 9.5 8.9 8.9 8.0 8.8 8.6 5.8 8.3 NIM 868 908 698 713 511 562 2.5 2.3 5.2% 2M-22 2M-23 2M-22 2M-23 2M-22 2M-23 2M-22 2M-23 -34 bps YoY BPD's Total Assets Rp944 Tr Bank Sumut 4.4% Bank DKI 8.7% Bank Jatim 10.9% Bank Jateng 9.5% BPD's Business Synergy Synergy Business Synergy (Syndicated Loan, Forex Transaction, Remittance, etc) - Sharing Infrastructure (BI Fast, IT bank bjb Infrastructure, Mobile Apps, Tax Payment, Branchless Banking, etc) - Sharing Expertise (Human Capital, Governance, Risk Management, etc) Good Benefit Dividend & Revenue Sharing as Fee Based Income - Big Data for Market Behavior Analysis BPD Synergy BPD's Consolidation in Bank Business Group (KUB) POJK 12/2020 Banking Consolidation Banks owned by Regional Government must have a Core Capital of a minimum Rp 3 Trillion before 31 December 2024. BPD with Core Capital < Rp 3 Tr Performance Accumulated from 13 BPD, excluding a Net-Loss BPD Core Capital Rp 3 Tr 13 BPD Core Capital < Rp 3 Tr 14 BPD - Banks that become members of Business Group (KUB) are only required to have Core Capital Rp 1 Trillion. Indicators Total Assets Total Deposits Total Loans Total Profits 4Q2022 Ratios 4Q2022 Rp 202.8 Tr Average CAR Rp 152.6 Tr Average ROE Rp 117.4 Tr Rp 2.4 Tr 25.6% 16.5% Average NPL Average NIM 1.7% 6.7% 4#5Pioneer of Regional Development Bank (BPD) Synergy Bank Business Group (KUB) of bank bjb bank bjb's Group Structure Subsidiaries and Affiliate Company bank bjb Subsidiary Company bjb Syariah bank bjb Ownership 99.24% Syariah Total Assets Rp 11.9 tr Total Deposits Rp 8.5 tr Total Financing Rp 7.7 tr ROA 0.70% NI 4.96% NPF 4.35% FDR 90.04% BOPO 91.33% Bank Bengkulu Ownership 7,15% Affiliate Company bank bengkulu tangguh dan tumbuh Total Assets Rp 8.7 tr Total Deposits Rp 7.1 tr Total Loans Rp 6,3 tr ROA 1.91% NIM 6.92% NPL 1.05% LDR 90.48% BOPO 80.96% Net Income Rp 15.9 bn Net Income Rp 44.4 bn bank bjb bjb bjb Sekuritas Ownership 78,95% Sekuritas bank bij BPR KU BPR Intan Jabar Ownership 24,00% BPR Karya Utama Ownership 29,52% Synergy With BJBR - BI Fast - Branchless Banking - Tax and Retribution - Infrastructure and Services Forex Services & Remittance - Business Process Improvement KUB's Progress Update With Several Regional Development Bank/BPD bank bengkulu tangguh dan tumbuh BANKSULTRA Maju Bersama Bank Bengkulu Phase II Capital Injection (Max Rp 150 Bn) Bank Sultra Due Diligence Financial, Tax & Legal Due Diligence - Valuation, CSSA & Fairness Opinion - - Shareholders Agreement (SHA) Signed KUB Letter of Intent on 29 September 2022. - In preparation for Feasibility Study Synergy done with BJBR: BI Fast Good - GMS at Bank Bengkulu Approval bank bjb as Joint-Controlling Shareholders Approval Bank Bengkulu to join bank bjb's KUB Approval of Phase II Capital Injection Other BPD OJK Approval We Are Here Applying for OJK Approval Bank Concerning Bengkulu's Addition to bank bjb's KUB effective Effective KUB Bank Bengkulu become a member of bank bjb's Group/KUB - Several BPD have visited BJBR, including representatives from Provincial Government as Controlling Shareholder and DPRD (Legislative), and have expressed their interest in joining the bank bjb's KUB. - Bank bjb is preparing a Feasibility Study on related BPD. 5#6Transforming From Regional to Nationwide Coverage With Hybrid-Bank Business Model Strengthen Offline Channels Enhancing Online Services North Sumatra Riau 869 bank bengkulu tangguh dan tumbuh Ownership 7,15% Lampung Riau Island Banten South Sumatra East Kalimantan Affiliate Company Potential Addition KUB Members Digi Mobile as Omni Channels DIGI BANKSULTRA Maju Bersama LOI KUB Sept 2022 Jakarta West Java South Kalimantan Central East Java Java South Sulawesi Bali Distribution Network in 14 Provinces & Sinergy with 2 Regional Banks Supported By Solid IT Infrastructure 710,933 1,383,030 Mar-22 Mar-23 ! C bank bjb bjb Cardless DigiMobile DigiCash Apps DigiSMS DigiLoan Apps GRIS Next Step, Becoming "Smart Mobile Banking" Multiple Bank Source of Fund bank bjb bank bjb No Account Balance Rp ---- Mini Statement bank X 盒 No Account Balance Rp ---- Mini Statement Merging DigiCash in Digi Mobile Onboarding Services Artificial Intelligence Open Banking Concept PT DCI Indonesia (-) A PLATFORM EQUINIX PARTNER Tier-IV Data Centre #1 in SEA Alibaba Cloud Alibaba Cloud Anti D-DOS Online Security aws Amazon Web Services Advisory, Sandboxing, People Capacity 945,873 14,971 603,309 Digi Mobile User Dec 2022 (YoY) QRIS Merchant Dec 2022 (YoY) 4,482 +103.0% +70.8% Mar-22 Mar-23 Mar-22 Mar-23 Agent bjb BiSA / Branchless Banking Agent Dec 2022 (YoY) +399.0%#7Commitment for ESG Implementation Sustainable Banking Sustainable Portfolio Rp. 13,6 Trillion bank bjb Infrastructure Financing & Government Collaboration bjb INDAH Financing for infrastructure projects, government-related procurement and government deficit cash flow. MSME Business Activity 29.83% Eco Friendly Transportation 17.50% Commercial Segment PLTM Cikaengan Corporate Segment Cipali Toll Tegal Gede Overpass Awipari Public Market Others Cikampek Elevated Toll Several Regional Government □ Others Other Environmentally Bussiness Activity 45.44% Financing for Residential Construction Natural Resources Management & Sustainable Land Use 1.17% Pollution Prevention and Control 5.74% Financing for Waste Factory Management System Into Electrical Energy Sustainable Water & Waste Water Management 0.10% Financing for Fertilizer Industry Financing for clean water distribution and supply < mesra Achievement bjb MESRA Ultra-micro financing based on worship place, joint- responsibility in a group of 5-10 members, maximum loan limit of Rp 5 million, 6-12 month of tenor and zero interest rate. During loan period, bank bjb will provide assistance with "bjb PESAT" program to increase their business capacities and competencies. 13.900 Person in 1.190 house of worship, 1.316 village (West Java & Bali) Land and Water Biodiversity Conservation 0.22% Financing for Palm Oil with PHPO Certification bjb KPR Green Bersama kami tanam Satu Pohon Satu Rumah "Hijau Hanianhu, Hijau Bumiku" Green is My Hume Green is My Farth bank bjb bjb Green bjb "Green" Mortgage "One House One Tree" program, which plants a minimum of one new tree every time a bjb "Green" Mortgage is disbursed. 7#8Commitment for ESG Implementation Sustainable Operation Digital Village 2.0 Program bjb BISA! One Pesantren One Product petani milenial Support digitalization in a number of administrative processes and financial services in the Village Administration, such Bumdes Current Account, bjb Pesat, QRIS, bjb BISA, Petani Milenial, Loan and DPLK. 14,971 agent bjb BiSA (with 540,341 Basic Saving Account) 641 Farmer of Petani Milenial as Empowering MSME's bjb PESAT Pesat (Pemberdayaan Ekonomi Masyarakat Terpadu) Business Capacity Go Digital New Entrepreneur Empowering MSME's (bank bjb debtor's or local community) to increase their business capacity, enhance their digital marketing and create new entrepreneur, by providing assistance in their business activity or through training/seminar. Paperless Movement GO GREEN! GO PAPERLESS !! bank bjb Developing systems that can eliminate or reduce paper use by digitalization business process, such as: SP2D Online, E-Samsat, Loan E-Form, bjb Knowledge Management System (KMS), bjb Virtual Office. CSR Program "Tree Planting" Emission Mangrove seeds 30.000 programs Corporate Responsibility reduction through Social (CSR) Trees Planting 1.000 program, "tree planting", that have been carried out since 2019. HC Forum, HC Event, HC Journey 1. Launching New Culture Program (Professionalism - Work The Line 2023) 2. HC Forum "Building Trust in The Digital Era" 3. Kick Off Culture Sharing & Corporate Culture Education for All Change Agent and Change Coordinator In total, there are 18 Event during 2023 Sustainable Governance SNI ISO 37001 Anti Bribery Management System (SMAP) Whistle Blowing System (bjb WBS) Gratification Control Unit Fraud Detection System (FDS) 8#91Q2023 Performance bank bjb Consolidated 6#10Key Takeaways 2023's Guidance Is Mostly On Track Only the loan growth is slightly off track below 2023's guidance (1Q23 +10.3% YoY, Guidance 12% ± 1%) due to being more selective for the Productive Segment expansion, while the other indicators are still within the range. High-Yield Segment Continues to Expand bank bjb Consumer Loans with a loan yield of 12.2% managed to grow +5.85% YoY, with NPLs close to zero. The growth driver is driven by Multipurpose Loan provided to Civil Servants which grew 4.97% YoY, Pre-Pensioners Loan which grew +3,54% YoY and Pensioners Loan which grew +13.94% YoY. Sound Liquidity Position All liquidity indicators are beyond the regulatory requirement level, with minimal exposure to foreign currencies. Upward CoF adjustments in 1Q23 were made to secure liquidity earlier, although higher special rate deposits were offered, which resulted in an increase in interest expense. Lagging Impact from Loan-Rate Repricing Based on its common practices, Consumer Segment uses a Fixed Rate, so loan repricing cannot be done instantly like a Floating Rate. Repricing is driven through new bookings, which takes time to have a visible impact on financial performance. The effects expected to be seen at least in 4Q23. Improving Capital Ratio CAR increased to 21.1% (+4.0% YoY, before dividend distribution) due to the implementation of new POJK that changes the Risk-Weighted Asset calculation for Operational Risk and Credit Risk. In our view, the current capital condition is sufficient to support credit expansion, so there is no urgent need to raise capital. One Step Closer for The First BPD's KUB Bank bjb has obtained approval from Bank Bengkulu's AGMS to become the joint- controlling shareholder with the Bengkulu Provincial Government and to make a phase II capital injection of up to IDR 150 billion. Currently, we are in the process of submitting to OJK for approval of the phase II capital injection and the KUB status with Bank Bengkulu to become effective. 10#11Financial Performance 1Q2023 Result Summary Income Statement • Net Interest Income at Rp 1.70 tr (-15.7% YoY) PPOP at Rp 552 bn (-38.2% YoY) • LLP at Rp 100 bn (-33.8% YoY) • Net Income at Rp 366 bn (-38.2% YoY) Balance Sheet . • Total Loans at Rp 108.7 tr (+10.2% YoY) • • • Total Financing at Rp 7.7 tr (+18.9% YoY) Total Deposits at Rp 129.8 tr (+1.2% YoY) Total Asset at Rp 175.9 tr (+5.0% YoY) Ratios (bank only) • • • NIM at 4.8% (-98 bps YoY) ROA (Net) at 0.9% (-61 bps YoY) ROE (Net) at 9.2% (-713 bps YoY) NPL (Gross) at 1.2% (-2 bps YoY) bank bjb 11#12Income Statement Consolidated bank bjb YoY Result Income Statement (Rp bn) QoQ Result YOY YOY (%) 1Q22 (Rp bn) 1Q23 1Q22 4Q22 1Q23 QoQ (%) YoY (%) Interest Income 3,192 3,427 +7.4% +235 +3,192 +3,757 +3,427 -8.8% +7.4% Interest Expense 1,176 1,728 +47.0% +552 +1,176 +1,539 +1,728 +12.3% +47.0% Net Interest Income 2,017 1,699 -15.7% -318 +2,017 +2,218 +1,699 -23.4% -15.7% Fee Based Income 372 362 -2.7% -10 +372 +441 +362 -17.9% -2.7% Operating Expense 1,534 1,579 +2.9% +45 +1,534 +2,009 +1,579 -21.4% +2.9% Gain (Loss) on Financial Statement 38 70 +84.5% +32 +38 -114 +70 -160.8% +84.5% PPOP 893 552 -38.2% -341 +893 +535 +552 +3.2% -38.2% Loan Loss Provision 151 100 -33.8% -51 +151 -80 +100 -224.7% -33.8% Non Operating Expense 3 5 +71.0% +2 +3 +5 +71.0% PBT 738 446 -39.6% -292 +738 +615 +446 -27.4% -39.6% Tax Expense 145 80 -45.0% -65 +145 +152 +80 -47.5% -45.0% Net Income 593 366 -38.2% -227 +593 +462 +366 -20.8% -38.2% 12#13Balance Sheet Consolidated bank bjb Balance Sheet (Rp bn) YOY 1Q22 2Q22 3Q22 4Q22 1Q23 (%) Cash 2,592 2,641 2,475 3,300 2,944 +13.6% Current Account with Bank Indonesia 6,246 9,702 11,855 13,033 10,998 +76.1% Secondary Reserves 47,214 43,334 35,588 41,876 37,347 -20.9% Loans & Financing 105,139 110,242 113,406 115,756 116,449 +10.8% Allowance (-) Fixed Asset (Net) Other Asset (1,983) (1,920) (1,923) (1,792) (1,831) -7.7% 4,517 4,561 4,523 4,563 4,617 +2.2% 3,732 3,814 4,283 4,505 5,338 +43.0% Total Asset 167,457 172,373 170,207 181,241 175,862 +5.0% Total Third Party Fund 128,264 133,226 125,025 131,139 129,795 +1.2% Marketable Securities Issued 5,392 6,390 6,391 5,551 5,552 +3.0% Fund Borrowings 15,680 15,917 19,895 22,046 17,203 +9.7% Repo 1,330 3,081 461 Others Total Liabilities Total Equity 4,846 3,251 3,602 4,665 7,635 +57.5% 154,182 158,784 156,244 166,482 160,645 +4.2% 13,275 13,589 13,963 14,759 15,217 +14.6% 13#14Key Ratios Bank Only bank bjb Key Ratios (%) 1Q22 2Q22 3Q22 4Q22 1Q23 YOY Return on Assets/ROA (Net) 1.5 1.5 1.5 1.4 0.9 -0.6 Return on Equity/ROE (Net) 16.3 17.1 16.9 15.5 9.2 -7.1 Cost to Income Ratio/CIR 64.1 66.2 66.8 70.0 75.4 +11.4 Profitability Expenses Ratio/BOPO 79.0 78.4 78.7 80.4 87.8 +8.8 Net Interest Margin/NIM 5.7 5.7 5.8 5.9 4.8 -1.0 Assets Yield 8.6 8.7 8.8 9.0 9.0 +0.3 Cost of Fund/COF 3.0 3.0 3.0 3.2 4.3 +1.3 Special Mention Ratio 2.6 2.2 2.1 1.9 2.3 -0.3 Non-Performing Loan/NPL (Gross) 1.2 1.1 1.1 1.2 1.2 +0.0 Asset Quality Non-Performing Loan/NPL (Nett) 0.3 0.3 0.4 0.5 0.5 +0.2 Loan At Risk/LAR 7.2 6.7 6.4 6.1 6.4 -0.8 Coverage Ratio 157.1 152.9 148.9 124.3 121.9 -35.2 Cost of Credit/COC 0.7 0.5 0.3 0.1 0.1 -0.6 Loan To Deposit Ratio/LDR 79.2 80.2 88.2 85.0 86.0 +6.8 Macroprudential Intermediation Ratio/RIM 78.1 79.3 87.2 82.6 85.7 +7.5 Funding, Macroprudential Inclusive 57.4 57.6 60.4 62.0 61.8 +4.4 Liquidity & Capital Financing Ratio/RPIM Net Stable Funding Ratio/NSFR 102.2 107.3 100.9 104.8 102.5 +0.3 Liquidity Coverage Ratio/LCR 262.3 261.6 207.9 206.7 207.2 -55.2 Capital Adequacy Ratio/CAR 17.1 18.0 17.7 19.2 21.1 +4.0 14#15Yield Analysis Bank Only bank bjb Cost of Fund Breakdown Trend Asset Yield (%) 1Q22 2Q22 3Q22 4Q22 1Q23 7DRR 7.6 Current Account Time Deposit Cost of Fund Placement to Bl 1.5 1.5 1.4 1.4 1.0 Savings Account Interbank Placement 1.1 1.0 0.9 1.0 1.1 6.9 6.8 6.7 6.5 Securities 3.8 4.0 4.0 4.5 4.6 Loans Yield 11.0 10.9 10.8 10.8 10.4 Asset Yield 20.2% 74.5% 1.8% Distribution 5.2 2.5%0.9% 4.9 4.7 4.5 4.2 Cost of Fund (%) 1Q22 2Q22 3Q22 4Q22 1Q23 Current Account 1.7 1.7 1.7 1.7 1.5 3.5 Savings Account 1.0 1.0 1.0 1.0 1.1 3.2 3.1 3.1 Time Deposit 3.1 3.1 3.2 3.5 5.2 Customers Deposit 2.4 2.4 2.5 2.6 3.6 1.9 1.7 1.7 1.7 1.8 1.8 Loans received 4.8 4.7 4.6 4.7 6.7 1.6 1.7 1.7 1.7 1.7 1.7 1.7 1.5 1.4 1.3 Interbank Liabilities 2.1 2.1 1.9 2.0 4.3 1.1 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 Debt Securities Issued 9.0 8.9 8.6 8.8 8.6 Cost of Fund 3.0 3.0 3.0 3.2 4.3 Cost of Fund 21.6% 16.8% 47.0% 10.8% 3.9% Distribution 15#16Guidance Bank Only Loans Growth bank bjb (%) 1Q22 2Q22 3Q22 4Q22 1Q23 2023 Guidance 8.2 12.9 11.6 13.1 10.3 12.0 ± 1.0 Loan to Deposit Ratio 79.2 80.2 88.2 85.0 86.0 ≤ 90.0 NIM Cost of Fund 5.7 5.7 5.8 5.9 4.8 4.75 ± 0.25 3.0 3.0 3.0 3.2 4.3 4.5 ± 0.25 Coverage Ratio 157.1 152.9 148.9 124.3 121.9 125 ± 5 Gross NPL 1.2 1.1 1.1 1.2 1.2 1.2 ± 0.1 CASA Ratio 44.9 46.7 48.7 42.1 45.0 40 ± 5 16#171Q2023 Performance bank bjb Bank Only Details 17#18Loans Segmentation Consumptive & Productive Segment Consumptive Segment CONSUMER LOAN Hired 25-30 yo Active Period Multipurpose Loan Multipurposes Loan 10 Years Before Retirement bank bjb Retired ~ 60 yo Retirement Period Max Age 75 yo Market Penetration Pensioners Loan Number of Civil Servant in West Java & Banten (Permanent & Contract/PPPK) (Person, ASN Statistics from BPN) Number of Pensioners Whose Their Pension Benefit Disbursed Through BJBR (Person, Internal Data) Pre-Pensioners Loan Permanent Dec 22 441,289 Contract/PPPK 65,152 Mar 23 Pre-Pensioners Loan Pensioners Loan 95.4% 100% Jun 22 445,403 64,417 Dec 22 Max 90% from Salary Max 70% from Pension Benefit Market Share ~56,0% % Portion of Direct Deduction from Payroll DSR Max Tenor (End of Employment) 79.7% Max 90% from Salary 25 Years for Civil Servant 20 Years 15 Years for Non-Civil Servant 15 Years (Permanent ASN, Dec 2022) 142,913 139,294 Penetration Rate ~45,1% (Pensioners That Have a Loan From BJBR) MORTGAGE Regular Program Primary Construction Take Over Refinancing Government Program FLPP 2023 Allocation 8.000 NoA Productive Segment Rp 5 mn Investment MICRO LOAN Rp 5 bn COMMERCIAL LOAN Rp 40 bn Government Program Regular Program Linkage Working Capital 2023 Allocation Mesra KUR Rp 3,0 Tr Micro SME Rural Banks Infrastructure Loan Contract-Based Working Capital Empowerment Program bjb PESAT Business Capacity New Entrepreneurs Go Digital Anchor Client Government Pesat Potential Disbursement Per NoA ~Rp 125-150 Mn (LLL) CORPORATE LOAN Legal Lending Limit Syndication Regional Government Loan and other productive loan SOE Company Top Tier Company 18#19Loans Breakdown Loans Outstanding bank bjb Consumer Mortgage Corporate Commercial Micro % SML % NPL (Rp Tr) (%) 120 5 Segment (Rp bn) 1Q22 1Q23 YoY (%) 100 6.2 6.0 6.0 5.9 5.8 7.0 60 8.2 7.5 20 88 53 6.6 7.0 6.8 6.5 8.3 9.6 10.1 9.4 4 Consumer 62,579 66,239 +5.8% Consumptive 80 6.3 6.7 11.1 10.6 11.9 12.3 14.4 16.4 16.4 16.5 16.5 Segment 60 7.0 7.2 7.6 7.8 8.1 8.5 8.9 9.2 9.4 3 Mortgage 8,124 9,447 +16.3% 60 2 Corporate 14,367 16,482 +14.7% 40 40 60.5 60.8 61.1 61.9 62.6 63.4 64.4 65.2 66.2 Productive Commercial 6,988 9,364 +34.0% 1 Segment 20 Micro 6,197 6,838 +10.3% 0 0 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 Total Gross Loans 98,256 108,370 +10.3% Consumer Mortgage Corporate Commercial ■Micro 100% 80% ୮ 6% 6% 6% 6% 6% 6% 6% 9% 8% 7% 8% 9% 9% 9% T T Asset Quality (%) 1Q22 1Q23 YoY (%) 12% 8% 13% 13% 15% 16% 16% 15% 15% 8% 8% 8% 8% 8% 9% 9% T 60% 40% 20% T 0% 1Q21 2Q21 3Q21 4Q21 Special Mention 2.6 2.3 -0.3 67% 67% 64% 65% 64% 62% 61% 60% 61% NPL 1.2 1.2 ך 1Q22 2Q22 3Q22 4Q22 1Q23 Economic Sectors (Business Segment 1Q23) Trade 27.9% Construction 19.6% Financial 19.1% Industry 16.4% Other 17.1% Currency (Rp bn) 1Q22 1Q23 YoY (%) IDR 97,214 107,205 +10.3% Forex 1,042 1,166 +11.9% 19#20Loans Movement Loans Disbursement, Run Off & Write Off Loan Movement (Rp bn, YoY) 1Q22-1Q23 Micro; 3,478 Write Off Breakdown Consumer Corporate & Commercial; 16,740 Mortgage; 2,308 Corporate & Commercial Micro ■Mortgage 16.4% 30.8% 34,576 30.5% Consumer; 22,509 346 Total; 45,036 98,256 Loan Movement (Rp bn, QoQ) 4Q22 - 1Q23 Micro; 955 Corporate & Write Off Breakdown Consumer Corporate & Commercial 13.5% 8.8% 22.3% Commercial; 5,895 Mortgage; 502 Consumer; 6,238 51.5% 13,168 45 Total; 13,590 108,370 107,993 bank bjb Micro ■Mortgage 26.1% 108,370 1Q22 Disbursement Installment Write Off 1Q23 4Q22 Disbursement Installment Write Off 1Q23 20 20#21Consumer Loans Bank Only bank bjb Multipurposes Pre-Pensioners Pensioners % SML % NPL YOY Key Indicators 1Q22 1Q23 (Rp Tr) (%) (%) 70 5 Loans Outstanding 62,579 66,239 +5.85% (Rp bn) 9.0 60 8.5 8.8 6.8 7.0 7.3 7.6 7.9 8.2 Net Expansion 663 4 1,077 +62.39% YtD (Rp bn) 50 11.0 10.9 11.2 11.3 11.5 11.5 11.6 11.6 11.9 Avg. Loans Outstanding 121 118 -1.88% (Rp mn) 3 40 No of Account 519,277 560,187 +7.88% 30 42.8 42.9 42.6 43.0 43.2 43.6 44.3 44.7 45.3 20 10 Loan Yield (%) 12.7 12.2 -0.5 2 YOY Asset Quality 1Q22 1Q23 1 (%) Special Mention 1.5 1.1 -0.4 T 0 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 NPL 0.2 0.2 21#22Mortgage Loans Bank Only bank bjb FLPP KPR Primary Others % SML % NPL YOY (Rp Tr) 1RP Key Indicators 1Q22 1Q23 (%) (%) 10 Loans Outstanding 9 9 8,124 9,447 +16.28% (Rp bn) 8 2.8 8 2.8 Net Expansion 2.8 352 236 -32.88% 7 2.8 YtD (Rp bn) 7 2.8 2.8 2.8 Avg. Loans Outstanding 6 00 6 204 200 -2.18% 2.9 2.9 (Rp mn) 5 3.5 5 3.4 3.3 No of Account 39,778 47,285 +18.87% 4 3.2 st 3.2 2.9 3.1 3 2.8 2.8 3 Loan Yield (%) 8.6 8.0 -0.6 2 2 3.0 3.2 2.8 2.5 2.2 1 1 1.8 1.9 YOY 1.3 1.6 Asset Quality 1Q22 1Q23 (%) 1Q21 T 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 Special Mention 6.9 7.1 +0.2 FLPP Progress (1Q2023) 2023 FLPP Disbursement 1.606 NoA (20,08%) ~ Rp 236,5 bn 2023 Allocation 8.000 NoA NPL 2.9 2.7 -0.2 22#23Corporate Loans Bank Only bank bjb Corporate Loans % SML % NPL YOY Key Indicators 1Q22 1Q23 (Rp Tr) (%) (%) 18 10 Loans Outstanding 9 14,367 16,482 +14.72% 16 (Rp bn) 8 14 Net Expansion 2,115 YtD (Rp bn) (38) -101.82% 7 12 Avg. Loans Outstanding 6 28 28 +0.45% (Rp mn) 10 5 16.4 16.4 16.5 16.5 8 No of Account 507 579 +14.20% 14.4 4 6 11.9 12.3 11.1 10.6 3 Loan Yield (%) 7.3 7.2 -0.1 4 2 0 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 2 1 YOY Asset Quality 1Q22 1Q23 (%) 0 3Q22 4Q22 1Q23 Special Mention 5.8 3.4 -2.4 Proportion Between SOE Related and Private Company (1Q23) SOE Related 66.3% Private Company 33.7% NPL 1.1 1.4 +0.3 23#2412 (Rp Tr) 10 8 6 4 2 Commercial Loans Bank Only 6.3 1Q21 bank bjb Commercial Loans % SML % NPL YOY Key Indicators 1Q22 1Q23 (%) (%) 15 Loans Outstanding 14 6,988 9,364 +34.00% (Rp bn) 13 Net Expansion 12 YtD (Rp bn) (499) (761) +52.39% 11 Avg. Loans Outstanding 2,262 2,678 +18.40% 10 (Rp mn) 9 No of Account 3,090 3,497 +13.17% 8 - 7 10.1 Loan Yield (%) 8.2 7.5 -0.7 9.6 6 9.4 8.2 8.3 5 7.5 7.0 6.7 T 2Q21 3Q21 4Q21 1Q22 2Q22 T 4 YOY Asset Quality 1Q22 1Q23 (%) 3 - 2 Special Mention 1.7 3.9 +2.2 1 T 0 3Q22 4Q22 1Q23 NPL 7.3 5.6 -1.7 24#25Micro Loans Bank Only bank bjb Reguler Program Linkage % SML % NPL YOY Key Indicators 1Q22 1Q23 SRP (Rp Tr) (%) (%) 5 Loans Outstanding 6,197 6,838 +10.34% 7 (Rp bn) Net Expansion 160 182 YtD (Rp bn) (137) -174.91% 3.0 2.8 2.8 5 2.9 Avg. Loans Outstanding 2.8 3 125 68 -45.76% 3.1 2.9 3.2 3.1 4 29 (Rp mn) No of Account 49,449 100,594 +103.43% 3 2.8 2.8 2.4 2.7 2.2 2 1.4 1.5 1.8 1.9 1 Loan Yield (%) 9.5 10.4 +0.9 1 1.3 1.3 1.2 1.2 1.2 1.2 1.1 1.2 1.2 YOY Asset Quality 1Q22 1Q23 (%) 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 Special Mention 1.5 2.9 +1.4 KUR Progress (1Q2023) 2023 KUR Disbursement Rp 424,5 Bn (14.15%) 2023 Allocation Rp 3,0 Tr NPL 1.8 2.0 +0.2 25#26Special Mention Loans Consumer Micro Corporate & Commercial Mortgage % SML • Total SML (Rp Tr) (%) 5 100% 3,000 2,500 2,059 2,000 521 2,682 2,608 2,536 2,508 574 2,250 578 2,223 560 2,113 668 2,038 4 80% ■Consumer ■Micro Corporate & Commercial ■Mortgage bank bjb 22% 21% 22% 22% 25% 27% 28% 27% 27% 608 19% 618 470 32% 31% 3 60% 36% 542 38% 32% 871 34% 39% 37% 5% 927 1,500 395 956 656 728 759 109 791 103 135 1,000 926 3% 4% 2 40% 5% 4% 6% 7% 6% 8% 68 93 126 199 160 121 1,128 500 1,040 968 919 927 789 686 714 584 50% 1 20% 42% 43% 37% 37% 35% 31% 29% 28% 0 0 0% T T T 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 26#27Non Performing Loans Consumer Micro Corporate & Commercial Mortgage % NPL • Total NPL (Rp Tr) (%) 5 100% 1,307 1,252 1,400 1,200 1,000 800 1,270 1,221 1,197 1,188 1,166 1,135 1,135 256 283 236 4 80% 275 259 237 232 227 233 756 761 737 600 721 688 711 676 653 650 400 3 60% 2 40% bank bjb Consumer ■Micro Corporate & Commercial ■Mortgage 22% 23% 22% 20% 20% 20% 21% 19% 20% 58% 58% 58% 60% 57% 61% 58% 58% 59% 1 20% 10% 10% 9% 10% 137 200 112 115 104 121 11% 11% 11% 10% 140 135 125 11% 131 146 140 147 109 94 114 115 134 157 13% 12% 13% 9% 8% 10% 10% 11% 12% T 0 0% T 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 27#28Restructured Loans Consumer Micro Corporate & Commercial Mortgage % Loan Restruct (Rp Tr) (%) 5,000 100% 10 4,625 4,655 4,602 4,484 4,551 4,500 4,000 3,500 T 3,000 2,772 ■Consumer ■Micro Corporate & Commercial ■Mortgage bank bjb 18% 18% 18% 18% 18% 22% 22% 23% 30% 80% 854 844 825 812 3,878 801 3,851 3,801 60% 25% 47% 49% 50% 61% 63% 64% 65% 66% 847 848 869 40% 32% 20% 22% 2,500 21% 21% 831 2,814 2,921 16% 2,947 15% 14% 13% 2,919 3,013 13% 13% 1,840 2,000 1,899 9% 7% 7% 5% 4% 4% 4% 3% 1,898 0% 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 687 1,500 Restructured Loan Composition Based On Covid and Non-Covid (1Q23) Covid 66.0% 2 ך Non-Covid 34.0% 1,000 896 861 821 781 735 692 Restructured Loan Composition Based On Economic Sector (1Q23) 500 653 604 587 Construction Household 358 330 283 253 222 28.1% 18.6% Construction 18.1% Industry Others 17.4% 17.8% 198 177 160 139 0 0 1 T 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 28#29140 120 100 Deposit Breakdown Bank Only bank bjb Current Account ■Saving Account Time Deposit (Rp Tr) Deposits Breakdown (Rp bn) YOY 1Q22 1Q23 (%) Current Account 31,575 30,611 -3.05% 66.5 66.4 59.6 70.4 66.6 Saving Account 22,561 23,816 +5.56% 60 60 68.3 62.8 80 62.0 57.5 Time Deposit 66,438 66,593 +0.23% 60 40 40 24.2 23.1 22.6 23.8 19.2 21.4 24.7 22.3 26.5 TOTAL 120,574 121,020 +0.37% 20 27.5 25.0 27.7 31.6 34.0 33.5 30.6 26.0 24.8 CASA Ratio (%) 44.9 45.0 +0.1 0 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 Government Corporate Retail 100% Currency YOY 1Q22 1Q23 80% 33% 32% 29% 32% 28% 29% 30% 32% 30% (Rp bn) (%) 60% 37% 38% 44% 45% 43% 39% 46% IDR 117,238 119,063 +1.56% 40% 50% 53% 20% 30% 29% 27% 27% 28% 17% 0% L 1Q21 2Q21 3Q21 FY21 1Q22 2Q22 30% 25% 15% Forex 3,336 1,956 -41.36% 3Q22 FY22 1Q23 29#30Capital Adequacy Risk Weighted 1Q22 1Q23 Asset (RWA) YoY (%) • Total RWA 87,168 81,508 -6.5% •Total Capital Rp 17.2 tr (+Rp 2.3 Tr YoY) Total CAR at 21.1% (+399 bps YoY) bank bjb Credit Risk 64,127 70,989 +10.7% Addition to Net Impact to CAR Analysis Risk Weighting Operational Risk 14,787 6,704 -54.7% RWA/ Rp1tr Net Expansion CAR (%) Market Risk 8,255 3,815 -53.8% Consumer Loans 50% Rp 500bn 0.13 RWA/Total Asset 54.9% 49.3% -5.7% tier-1 11,629 13,070 +12.4% Micro Loans 75% Rp 750bn 0.19 tier -2 3,320 4,161 +25.3% Total Capital 14,949 17,231 +15.3% Commercial Loans 100% Rp 1tr 0.26 Tier-1 CAR 13.3% 16.0% +2.7% Mortgage Loans 40% Rp 400bn 0.10 Total CAR 17.1% 21.1% +4.0% 30#31bank bjb 1Q2023 Performance Consumer Loan Details 31#32(Rp Tr) 46 45 44 Multipurpose Loans bank bjb Multipurposes % SML % NPL YOY (%) Key Indicators 1Q22 1Q23 5 (%) 45.3 Loans Outstanding 43,155 45,301 +4.97% 44.7 4 Net Expansion 186 548 +194.30% YtD (Rp bn) 44.3 Avg. Loans Outstanding 112 110 -1.88% 43.6 (Rp mn) 3 No of Account 43.2 43.0 42.9 43 42.8 42.6 42 41- 384,153 410,978 +6.98% 2 % Portion of Direct Deduction from Payroll 79.7 79.9 +0.2 Asset YOY 1Q22 1Q23 1 Quality (%) Special 1.7 1.3 -0.4 Mention 40 T 0 NPL 0.2 0.3 +0.1 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 32#33Pre-Pensioner Loans bank bjb Pre-Pensioners % SML % NPL YOY (Rp Tr) 13 (%) 5 Key Indicators 1Q22 1Q23 (%) Loans Outstanding 11,487 11,893 +3.54% 11.9 12 11.5 11.5 11.6 11.6 4 Net Expansion 163 286 +75.31% 11.3 YtD (Rp bn) 11.2 11.0 10.9 11 Avg. Loans Outstanding 165 155 -6.38% (Rp mn) 3 No of Account 10 9 8 69,427 76,784 +10.60% 2 % Portion of Direct Deduction from Payroll 94.9 95.4 +0.5% Asset YOY 1Q22 1Q23 1 Quality (%) Special Mention 1.0 0.7 -0.3 7 0 NPL 0.2 0.2 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 33#34Pensioner Loans bank bjb Pensioners % SML % NPL YOY (Rp Tr) 10 (%) Key Indicators 1Q22 1Q23 5 (%) Loans Outstanding 7,938 9,045 +13.94% 9.0 9 8.8 8.5 8.2 7.9 8 7.6 7.3 7.0 7 6.8 4 Net Expansion 314 242 -22.70% YtD (Rp bn) Avg. Loans Outstanding 121 125 +3.36% (Rp mn) 3 No of Account 65,697 72,425 +10.24% 2 % Portion of Direct Deduction from Payroll 100.0 100.0 6 5 Asset YOY 1Q22 1Q23 1 Quality (%) Special 1.0 0.8 -0.2 Mention 4 0 NPL 0.3 0.2 -0.1 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 34#35bank bjb Syariah 1Q2023 Performance bank bjb Sharia Performance 35#36Result Summary bank bjb Sharia · Income Statement Net Financing Income at Rp 132 bn (+1.6% YoY) • PPOP at Rp 33 bn (-8.2% YoY) • Net Income at Rp 16 bn (-43.3% YoY) • Balance Sheet • • Total Financing at Rp 7.7 tr (+18.9% YoY) Total Deposits at Rp 8.5 tr (+14.4% YoY) Total Asset at Rp 11.9 tr (+14.8% YoY) NIM at 5.0% (-60 bps YoY) Ratios (bank only) • ROA at 0.7% (-71 bps YoY) • ROE at 5.1% (-460 bps YoY) NPF Gross at 4.4% (+87 bps YoY) bank bjb Syariah 36#37Income Statement bank bjb Sharia Income Statement YOY 1Q22 1Q23 (Rp mn) (%) Financing Income 186,180 213,147 +14.5% Financing Expense 56,313 81,230 +44.2% Net Financing Income 129,867 131,917 +1.6% Other Operating Income 10,191 18,982 +86.3% Operating Expense 104,036 117,813 +13.2% PPOP 36,022 33,086 -8.2% Loan Loss Provision Non Operating Expense Income (loss) Before Tax 35,982 20,419 -43.3% Tax Expense 7,916 4,492 -43.3% Net Income (Loss) 28,066 15,927 -43.3% (38) 12,579 +33202.6% 78 88 +12.8% bank bjb Syariah 37#38Balance Sheet bank bjb Sharia BS highlight YOY 1Q22 1Q23 (Rp Mn) (%) Cash 109,643 102,030 -6.9% Current Account with Bank Indonesia 274,156 595,206 +117.1% Secondary Reserves 3,062,109 3,033,415 -0.9% Financing-net 6,382,514 7,587,076 +18.9% Fixed Asset-net 300,266 308,528 +2.8% Other Asset 271,429 308,991 +13.8% Total Asset 10,400,117 11,935,246 +14.8% Total Funding 7,438,745 8,511,503 +14.4% Fund Borrowings 778,091 847,146 +8.9% Others 925,375 1,227,665 +32.7% Total Liabilities 9,142,211 10,586,314 +15.8% Total Equity 1,257,906 1,348,932 +7.2% bank bjb Syariah 38#39Key Ratios bank bjb Sharia Sharia 1Q22 1Q23 YOY (%) CAR 23.6 21.3 -2.3 NPF Gross 3.5 4.4 +0.9 NPF Nett 1.8 2.8 +1.0 ROA 1.4 0.7 -0.7 ROE 9.7 5.1 -4.6 BOPO 81.8 91.3 +9.5 87.3 90.0 +2.7 FDR NIM 5.6 5.0 -0.6 bank bjb Syariah 39#40Financing and Funding Breakdown bank bjb Sharia Financing (Rp mn) YOY 1Q22 1Q23 (%) Murabahah 4,149,765 4,699,291 +13.2% Qardh 125,035 103,409 -17.3% Financing 2,240,441 2,943,423 +31.4% 683 575 -15.8% 6,515,924 7,746,698 +18.9% Istishna Total Gross Financing Funding YOY 1Q22 1Q23 (Rp mn) (%) Wadiah Current Account 83,295 96,755 +16.2% Wadiah Savings Account 417,584 550,960 +31.9% Mudharabah Current Account 811,073 707,940 -12.7% Mudharabah Savings Account 1,524,415 1,532,534 +0.5% Mudharabah Time Deposit 4,602,378 5,623,314 +22.2% Total Funding 7,438,745 8,511,503 +14.4% bank bjb Syariah 40 40#41Company Profile bank bjb bank bjb 41#42Management Board of Commissioners Diding Sakri Independent Commissioner Last Position Researcher, King's College London, United Kingdom (2016-2020) Muhadi Commissioner Last Position Commissioner of bank bjb (2015-2019) Board of Directors Farid Rahman Independent President Commissioner Last Position President Commissioner of Bank Woori Saudara s(2014-2019) Fahlino F. Sjuib Independent Commissioner Last Position Board Member EBCICON of Parahyangan University (2018-2019) Setiawan Wangsaatmaja Commissioner Last Position Regional Secretary of West Java Province Company (2020-now) bank bjb Tedi Setiawan Director of Operations Last Position SEVP Credit Risk of bank bjb (2018-2019) Rio Lanasier Director of IT, Treasury & International Banking Last Position Managing Director of Treasury, Institutional Banking & Funding Network of J Trust Bank (2015-2019) Nancy Adistyasari Director of Commercial & MSME Last Position SVP Commercial Banking of Bank Mandiri (2019-2020) Yuddy Renaldi President Director Last Position SEVP Remedial & Recovery of bank BNI (2017-2019) Suartini Director of Consumer & Retail Last Position Director of Commercial bank bjb (2014-2018) Nia Kania Director of Finance Last Position Director of Finance and Risk Management bank bjb (2019-2021) Cecep Trisna Director of Compliance Last Position Division Head of Compliance & AML bank bjb (2018- 2021) 42#43Network Distribution North Sumatera bank bengkulu tangguh dan tumbuh' Ownership 7,15% Affiliate Company Potential Addition KUB Members Riau Lampung Banten Riau Island South Sumatera Jakarta West Java Central Java East Java Bali bank bjb East Kalimantan bjb Network 1Q22 1Q23 YOY BANKSULTRA Office Channels 928 926 -2 Branch 65 64 -1 Sub Branch 839 838 -1 Maju Bersama LOI KUB Sept 2022 bjb Priority 18 18 South Kalimantan MSME Center 6 6 South Sulawesi Electronic Banking Terminal 1,751 1,883 132 Distribution Network in 14 Provinces & Synergy with 2 Regional Banks (Ongoing) Deposits 60.5 Tr Loans 62.9 Tr Micro Loans 3.7 Tr 3,359,487 Customers 35 Branch Offices 633 Sub Branches 1,283 ATM Unit 5,528 Employees West Java Deposits 13.4 Tr Loans 14.4 Tr Micro Loans 682 bn 1,207,708 Customers 8 Branch Offices 122 Sub Branches 362 ATM Unit 777 Employees Banten Deposits 43.8 Tr Loans 19.4 Tr Micro Loans 902 bn 91,245 Customers 8 Branch Offices 45 Sub Branches 91 ATM Unit 554 Employees Jakarta Deposits 3.3Tr Loans 11.6 Tr Micro Loans 1.5 Tr 95,390 Customers 13 Branch Offices 38 Sub Branches 147 ATM Unit 523 Employees Others 43 33#44Human Capital Level 1Q22 1Q23 YOY Board of Commissioners Directors 5 5 0 7 7 0 Educational Breakdown Top Management 35 33 -2 Senior Management 161 182 21 Middle Management 635 648 13 Up to Bachelor Degree 90% First Line Management Staff 1,589 1,680 91 Age Breakdown 5,140 4,839 -301 Employee in Pension Preparation 3 0 -3 Total Permanent 7,563 7,382 -181 Total Non Permanent 1,012 1,053 41 26.74% 18-30 Total 8,575 8,435 -140 2.33% 9.07% > 50 41-50 bank bjb Master of Doctorare 10% 61.86% 31-40 44#45Shares and Ratings Information Shares Outstanding shares as of 31 December 2022: 10,521,443,686 shares Shares-Related Corporate Action Right Issue I (March 2022): 682,656,525 Series B Shares Private Placement I (December 2018): 142,495,995 Series A Shares IPO July 8th, 2010 Price 600 MCap Rp5,8 Tr BV Rp4,8 Tr Ownership 07-10 JCI BJBR 10-10- 01-11 04-11- 07-11 10-11 01-12 04-12- 07-12 10-12- 01-13- 04-13 07-13 10-13 01-14- 04-14 07-14- 10-14 01-15 04-15- 07-15- 10-15 01-16 04-16 07-16 10-16 01-17- 04-17- 07-17- 10-17 01-18- 04-18- 07-18- 10-18- 01-19- 04-19 07-19- 10-19- 01-20 04-20- 07-20 10-20 01-21 04-21 07-21 10-21 01-22 04-22 07-22 10-22 01-23 1Q22 1Q23 Regional Government 75.55 75.55 Public 1Q22 24.45 1Q23 24.45 2022 West Java Provincial Government 38.52 38.52 Local Retail 8.85 8.65 2021 99.11 Banten Provincial Government 4.95 4.95 Local Institution 9.97 10.76 West Java Municipal Governments 24.15 24.15 Foreign Retail 0.04 0.01 2020 95.74 Banten Municipal Governments 7.93 7.93 Foreign Institution 5.90 5.05 Dividend per Share Ratings March 31st, 2023 Price 1.360 MCap Rp14,3 Tr BV Rp15.2 Tr 104.55 Pefindo Corporate Rating idAA/Stable Fitch Ratings Indonesia National Long Term Rating A+ (idn)/Stable 45 bank bjb#46bank bjb PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk CONTACT INFORMATION Investor Relations (IR) Menara bank bjb 7th Floor JI. Naripan 12 – 14, Bandung 40111 Phone: +622 4234868 Email: [email protected] IR Head CONTACT PERSON Gekan Purnama Zainal Email: [email protected] IR Manager Dandelina Rifyandini Email: [email protected] Disclaimer: This report has been prepared by PT Bank Pembangunan Daerah Jawa Barat & Banten, Tbk. (bank bjb) independently and is circulated for the purpose of general information only. It is not intended for the specific person who may receive this report. The information in this report has been obtained from sources which we deem reliable. No warranty (expressed or implied) is made as to the accuracy or completeness of the information. All opinions and estimations included in this report constitute our judgment as of this date and are subject to change without prior notice. We disclaim any responsibility or liability without prior notice of bank bjb and/or their respective employees and/or agents whatsoever arising which may be brought against or suffered by any person as a result of acting in reliance upon the whole or any part of the contents of this report, and neither bank bjb and/or its affiliated companies and/or their respective employees and/or agents accept liability for any errors, omissions, negligent or otherwise, in this report and any inaccuracy herein or omission herefrom which might otherwise arise.