#1CORPORATE PRESENTATION 3Q2023 PT Bank Pembangunan Daerah bank bjb Jawa Barat dan Banten, Tbk (Regional Development Bank of West Java and Banten/BJBR) Please kindly scan to access the materials#2bank bjb Investment Proposition The Economic Potential of West Java & Banten Indonesia's 2nd Largest Economic Region (Combined) Pioneer of Regional Development Bank (BPD) Synergy Indonesia's Largest Regional Development Bank The First Movers on Sustainable Banking in Indonesia Strong Commitment to ESG Implementation Other 36 Provinces 2Q-2023 Regional GDP of West Java & Banten 16.8% of Indonesia's GDP Other 26 BPDS Sustainable Portfolio Gratification Control (Collaboration with bank bjb's Market Shares of BPD 17.5% By Total Assets (Bank Only)* Rp 15.8 Tr KPK since March, 2011) SNI ISO 37001 (Anti-Bribery Management System/SMAP) Potential Banking Synergy Among BPD Total Assets* Rp 933 Tr (8.5% Shares) Rank #5 Total Net Income* Rp 8.1 Tr MSME and Low Income Segment Empowerment Empowerment Program Financing Product Pesat bjb iSentra KUR 2023 Allocation *As of 31 July 2023, Bank Only mesra Rp 3 Tr (5.8% Shares) Rank #5 2Q-22 GRDP Growth +5.25% (West Java) +4.83% (Banten) Regional Budget (Budget 2023) Rp 217.6 Tr Population (June 2023) 62.3 Mn Good Formidable Captive Market in a Well-Established Ecosystem Closed-Loop Penetration in Government-Related Value Chain Transforming From Regional to Nationwide Coverage With Hybrid-Bank Business Model Civil Servant Loan in West Java & Banten ~54.4% Market Share (by Person) Other Banks 400 Pipeline Pensioners Loan of Pension Benefit Payment through BJBR ~44.9% Market Share (by Person) GRDP: Gross Regional Domestic Products DIGI Offline Channels bank bjb Distribution Network 14 Provinces bank bjb's Business Group/KUB (Ongoing) 3 Regional Bank's Online Channels Digi Mobile User June 2023 (YoY) +75.0% QRIS Merchant June 2023 (YoY) +46.6% FLPP 2023 Allocation 8.000 Houses Consistent Dividend Policy Backed By Stable Financial Metrics Supported by Resilient Business Model Dividend Per Share Financial Year 2022 Loan Growth YoY (Bank Only) +10.1% Rp 104,55 113.1 99.1 Consumer Mortgage Corporate +6.2% +15.5% +16.4% Commercial 103.0 +19.1% 95.7 Micro +12.6% FY 2020 FY 2021 3Q22 3Q23 2#3The Economic Potential of West Java & Banten Region Indonesia's 2nd Largest Economic Region (Combined) Economic Growth 2Q2023, BPS % Contribution to Indonesia's GDP 2Q2023, BPS Indonesia +5.17% West Java +5.25% Banten +4.83% Jakarta 16.8 West Java 12.9 Banten 4.0 East Java 14.4 Central Java 8.3 Others 43.6 West Java 50.0 Mn Banten 12.3 Mn 16.8 West Java & Banten Source of Economic Growth By Expenditure and Economic Sector, 2Q2023 - Source BPS West Java Banten Source of Growth (%) GRDP Structure By Expenditure By Economic Sector (%) Source of Growth (%) By Expenditure Industry Gross Fixed 0.82 41.5% Capital Formation Household Consumption 3.35 Nett 0.16 Export Gross Fixed Capital 1.59 West Java Growth +5.00 Growth +5.7% YoY Trade 14.3% Growth +3.7% YoY Agriculture Nett Export 1.48 9.2% Growth +0.0% YoY Household Consumption 2.33 Construction Formation 8.3% Growth +4.9% YoY 0.15 Others Other 26.7% Banten Growth +4.68 GRDP Structure By Economic Sector (%) Industry 30.4% Growth +5.8% YoY Trade 12.5% Growth +4.4% YoY Construction 11.4% Growth +1.2% YoY Transportation 10.9% Growth +11.3% YoY 0.20 Others Other 34.8% 62.3 Mn Government Fund Expenditure Capital Expenditure Population June 2023, BPS (West Java alone is The most populous province) Government-Related Value Chain Closed-Loop Penetration Fiscal Year of 2023 Regional State Budget Rp217.6 Trillion bank bjb Indonesia 278.7 bn Tax & Retribution Revenue West Java & Banten (37 Local Government, 2 Provinces, 13 Cities, 22 Regents) Products & Services Expenditure Personnel Expenditure 3#4Pioneer of Regional Development Bank (BPD) Synergy Indonesia's Largest Regional Development Bank Regional Development Bank Financial Performance (27 BPD, SPI OJK as of 31 July 2023) Total Assets Rp933 Tr +6.0% YoY Total Deposits Rp742 Tr +5.1% YoY Total Loans Rp585 Tr +8.4% YoY Rp Trillion Market Share (%) Total Net Profits Rp8.1 Tr CAR 24.8% +236 bps YoY NPL -9.6% YoY bank bjb Regional Development Bank Breakdown Based on Total Assets (Bank Only, 31 July 2023) 17,5% bank bjb (Biggest BPD In Indonesia) Others 2.4% -2 bps YoY (22 Banks) 49.4% 9.3 9.2 8.8 8.5 8.7 7.7 8.5 5.8 NIM 880 933 706 742 539 585 9.0 8.2 5.7% 7M-22 7M-23 7M-22 7M-23 7M-22 7M-23 7M-22 7M-23 -5 bps YoY BPD's Total Assets Rp933 Tr Bank Kaltim 5.0% Bank Jatim 11.2% Bank Jateng 8.7% Bank DKI 8.2% POJK 12/2020 Banking Consolidation - BPD must have a Core Capital of a minimum Rp 3 Trillion before 31 December 2024. If this is not fulfilled, BPD could be downgraded to Rural Bank (BPR). - - The benefit for BPD to become members of Business Group (KUB) is that they only need Core Capital of Rp 1 Trillion and can conduct Banking Synergy in accordance with POJK 12/2021. Banking Synergy bank bjb Business & Infrastructure Synergy (Syndicated Loan, BI Fast, IT Infrastructure, Tax Payment, Sharing Expertise, etc) Bank Business Group Kelompok Usaha Bank (KUB) Financial Performances of BPD with Core Capital < 3 Tr (Exclude BPD with Nett Loss, 2Q2023, Rp Tr) * On going process to become member of bank bjb's KUB No Bank Core Capital 1 Bank Kalsel 2.5 23.3 Total Total Total Assets Deposits Loans 17.9 11.6 Profits (Rp Mn) 140.6 CAR (%) ROE (%) NPL (%) NIM (%) 2 Bank Kalteng 2.5 13.1 9.3 9.0 185.8 25.0% 11.9% 37.4% 16.0% 3.4% 5.1% 1.4% 8.5% 3 Bank Jambi 2.2 12.7 10.0 8.5 208.6 36.4% 19.0% 1.9% 6.4% 4 Bank NTT 2.2 15.7 12.8 11.8 86.0 24.2% 8.0% 2.6% 6.9% 5 Bank SulutGo 1.7 19.7 16.0 14.0 145.3 19.7% 17.3% 2.8% 7.7% 6 Bank Sultra* 1.5 11.8 9.5 8.6 179.9 31.3% 23.8% 1.1% 8.8% lood 7 Bank NTB Syariah 1.5 13.4 10.3 9.2 111.4 23.4% 14.8% 1.3% 5.6% 8 Bank Maluku Malut* 1.5 9.3 7.4 5.4 65.8 33.1% 8.5% 3.0% 6.4% 9 Bank Sulteng 1.4 11.7 8.1 6.6 139.3 32.3% 21.5% 2.8% 6.0% 10 Bank Banten 1.2 7.5 4.5 3.6 11 Bank Bengkulu* 1.2 8.4 6.8 6.3 25.5% 9.1% - 24.1 44.6% -3.8% 9.6% 53.5 3.9% 1.3% 6.1% 4 Benefit - Dividend & Revenue Sharing as Fee Based Income - Big Data for Market Behavior Analysis#5Pioneer of Regional Development Bank (BPD) Synergy Bank Business Group (KUB) of bank bjb bank bjb's KUB Scheme The Difference Between bank bjb Syariah and BPD Majority & bank bjb Controlling Shareholders Syariah Ownership 99.24% Total Assets Rp 12.3 tr Total Financing Rp 8.3 tr KUB Progress Update Bank Bengkulu Rp 9.0 tr 3 bank bengkulu tangguh dan tumbuh Key Milestone Total Deposits Net Income Distribution Channel 11 Branch 47 Sub Branch 120 ATM 11 Jan 2022 Signing Memorandum of Understanding of KUB Signing Agreement regarding KUB Rp 42.0 bn 29 July 2022 - ROE 4.5% NI 5.1% NPF 3.7% FDR 91.5% Current Ownership Structure bank bjb Prov Bengkulu bank bjb 39.70 7.15 Others 53.15 لهيا Non-Majority & Joint-Controlling Shareholders Aiming for Second Largest Shareholders below existing Provincial Government. Joint-Controlling Shareholders with existing Provincial Government based on a Shareholders Agreement. BPD will continue to exist with its current identity and will not be merged into bank bjb. Other Subsidiary Companies (Non KUB) bjb bjb Sekuritas bank bij Sekuritas Ownership 93,75% BPR Intan Jabar Ownership 11,66% 29 Nov 2022 10 March 2023 23 June 2023 Next Step - Bank bjb will make a Capital Injection maximum Rp 250 bn to Bank Bengkulu. On the same day, bank bjb executed a Capital Injection Phase I amounted Rp 99.9 bn. Capital Injection Phase I approved by OJK - Bank bjb become Bank Bengkulu's Shareholders with 7.15% ownership. This transaction marks the first time BPD has ownership in another BPD, the first step of KUB between BPD. Granted Approval from EGMS Bank Bengkulu - Bank bjb to become a Controlling Shareholders of Bank Bengkulu, joint-control with Bengkulu Provincial Government based on Shareholders Agreement. Bank Bengkulu to become a member of bank bjb's KUB Capital Injection Phase II Bank bjb executed a Capital Injection Phase II amounted Rp 149.9 bn (subject to OJK approval). Currently, Bank bjb is seeking approval from the OJK of 1) Capital Injection Phase II; 2) Fit and Proper Test bank bjb as an additional Controlling Shareholder of Bank Bengkulu. If all approvals are granted, Bank Bengkulu will officially become a member of bank bjb's KUB. 5#6Transforming From Regional to Nationwide Coverage With Hybrid-Bank Business Model Strengthen Offline Channels 14907 3 Enhancing Online Services DIGI by bark byhat Digi Mobile as Omni Channels C Quarterly Transaction Value Digi Mobile and ATM, Rp Trillion Digi ATM Provinces Office Channels KUB Synergy (On Going) Supported By Solid IT Infrastructure 1,631,056 DigiMobile DigiCash Apps Digi Loan DigiSMS Apps bjb Cardless GRIS Next Step, Becoming "Smart Mobile Banking" Onboarding Services 17.7 14.9 12.6 11.7 10.8 Multiple Bank Source of Fund Merging DigiCash in Digi Mobile Open Banking Concept Artificial Intelligence 1.3 1Q20 ARLATFORM EQUINIX™ PARTNER PT DCI Indonesia Tier-IV Data Centre #1 in SEA 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1022 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 -- Alibaba Cloud Alibaba Cloud Anti D-DOS Online Security 983,655 1,106,937 781,922 Digi Mobile User Sept 2023 (YoY) +47.3% Sept-22 Sept-23 bank bjb Quarterly Transaction Volume Digi Mobile and ATM, in Million ⚫Digi ATM 51.1 47.8 16.7 15.3 12.7 7.1 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 aws Amazon Web Services Advisory, Sandboxing, People Capacity 12,031 QRIS Merchant Sept 2023 (YoY) +25.8% Sept-22 Sept-23 Sept-22 Sept-23 16,765 Agent bjb BiSA / Branchless Banking Agent Sept 2022 (YoY) +39.3% 6#7Commitment for ESG Implementation Sustainable Banking Sustainable Portfolio Rp. 15,8 Trillion bank bjb Infrastructure Financing & Government Collaboration bjb INDAH Financing for infrastructure projects, government-related procurement and government deficit cash flow. MSME Business Activity 29.86% Eco Friendly Transportation 15.30% Other Environmentally Bussiness Activity 45.91% Financing for Residential Construction Natural Resources Management & Sustainable Land Use 0.86% Pollution Prevention and Control 7.69% Financing for Waste Factory Management System Into Electrical Energy Sustainable Water & Waste Water Management 0.13% Land and Water Biodiversity Conservation 0.25% Financing for Palm Oil with PHPO Certification Financing for Fertilizer Industry Financing for clean water distribution and supply Commercial Segment PLTM Cikaengan Corporate Segment Cipali Toll Tegal Gede Overpass Awipari Public Market Others Cikampek Elevated Toll Several Regional Government □ Others mesra 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. Achievement: 16.303 Person in 1.902 house of worship, 1.389 village in 5 Provinces (West Java, Banten, Jakarta. North Sumatra & Bali) IDX Carbon CO2 Bank bjb participates in the Carbon Exchange (IDXCarbon) by purchasing carbon credits as part of the roadmap to become a carbon-neutral company. 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. 16.765 agent bjb BiSA 665 Farmer of Petani Milenial 20 Digital Village 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. CSR Program "Tree Planting" Mangrove seeds 10.000 Emission reduction programs through Corporate Social (CSR) Trees Planting 13.000 Responsibility program, "tree planting", that have been carried out since 2019. 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. HC Forum, HC Event, HC Journey 1. HC Forum "Benchmarking Culture with Global Banking" with Managing Partner ACT Consulting. 2. HC Event - Appreciation Night bjb Better Award 2023. 3. HC Forum "Gratification Control Program in Shaping Employee Sustainable Governance SNI ISO 37001 Anti Bribery Management System (SMAP) Gratification Control Unit Professionalism" with Appreciation Day Representatives from KPK Whistle Blowing System (bjb WBS) bib Better Award 2023 Bandung 25 Jul 2023 (Corruption Eradication Commission). Fraud Detection System (FDS) 8#93Q2023 Performance bank bjb Consolidated 6#10Key Takeaways Decent QoQ Growth in NII and FBI Int Income, Int Expense dan NII 1Q2023 3Q202 Fee Based Income (FBI) Breakdown 3Q23 Compared to 2Q23, Bank Only bank bjb Increasing Growth Rate in High-Yield Segmen, Driven by PPPK Number of Civil Servant in West Java & Banten (by Person) Growth of PPPK Debtors & Market Share in West Java & Banten (by Person) PPPK Debtors ◆ Market Shares NII Int Expense Total: 495.2 3,592 Permanent Contract/PPPK 22.0 45.0 Int Income 3,490 21.40% 27,835 Total: 375.9 Others Jun 23 423,716 85,879 111 97.4 44.4 ■Deposit Related Dec 22 431,289 3,427 65,152 17.20% 1,814 103.7 121.4 Treasury & Trade 1,728 1,734 111.5 E-Channel Market Share 18,408 14,914 11,192 1,778 1,756 209.4 ~54,4% 1,699 ■Loan Related 105.1 5,343 (Permanent ASN Only, Jun 2023) 1Q23 2Q23 3Q23 3Q22 4Q22 1Q23 2Q23 3Q23 2Q23 3Q23 Consumer Loan Growth Rate (YoY) 3Q22 - 3Q23 5.3% 5.2% 5.8% 5.6% 6.2% 3Q22 4Q22 1Q23 2Q23 3Q23 NII in 3Q23 showed a slight but positive growth of +1.3% QoQ, reaching Rp 1.78 Tr. This growth can be attributed to a +2.9% QoQ increase in Interest Revenue to Rp 3.6 Tr despite there still being pressure on Interest Expense, which have surged by +4.6% QoQ to Rp 1.81 Tr. FBI 3Q23 reached Rp 495.2 bn (bank only), reflecting an increase of +31.8% QoQ, primarily driven by a robust growth in Loan-Related activities of +99.2% QoQ to Rp 209.4 bn. Furthermore, E-Channel FBI also increased by +8.9% QoQ, in line with Digi Mobile's transaction growth. The Civil Servant Law (UU ASN) in 2023 has prompted a shift in status for honorary staff to become contract-based Civil Servants (Pegawai Pemerintah dengan Perjanjian Kerja/PPPK). In general, PPPK has similar rights to the usual Civil Servant. However, they are bound by a specified contract duration, while civil servants typically work until their retirement age. There has been a notable increase in the PPPK population in West Java and Banten, growing by 20,727 individuals (+31.8%) from December 2022 to June 2023, and it is still an ongoing process. This has become a positive catalyst for bank bjb's Consumer Loans (12.6 Loan Yield). This can be seen in the increasing number of PPPK debtors by 9,427 individuals (+51.2%) in 3Q2023 alone, which saw a market share increase from 17.2% in 4Q22 to 21.4% in 2Q23 and increasing Consumer Loans growth rate from 5.6% in 2Q23 to 6.2% in 3Q23. With loans being booked at a reprised-up rate (+25 bps up to +50 bps), Consumer Loans are expected to book a better yield and margin when the benchmark rate starts to decline. Challenges from The Recent Benchmark Rate Hike and Increasing Provisioning The recent benchmark rate/7DRR hike (+25 bps to 6%) in October 2023, coupled with a higher for longer outlook, posed challenges for bank bjb to continue optimizing its asset and liability management, especially those that are sensitive to interest rate movements. Additionally, Loan Loss Provision amounted Rp 168 billion in 3Q23 exceeding the usual quarterly provision (+/- Rp 100 billion). Nevertheless, the guidance for FY 2023 will remain intact, particularly with Cost Of Funds expected to remain between 4.25% and 4.75% (4.3% in 3Q2023) and Cost Of Credit staying within the range of 0.1% to 0.3% (0.2% in 3Q2023). 10#11Financial Performance 3Q2023 Result Summary Income Statement • • Net Interest Income at Rp 5.23 tr (-15.5% YoY) PPOP at Rp 2.10 tr (-17.0% YoY) LLP at Rp 358 bn (+22.9% YoY) • Net Income at Rp 1.42 tr (-20.5% YoY) Balance Sheet . • Total Loans at Rp 116.6 tr (+9.9% YoY) • • • Total Financing at Rp 8.3 tr (+14.8% YoY) Total Deposits at Rp 130.8 tr (+4.7% YoY) Total Asset at Rp 179.3 tr (+5.3% YoY) Ratios (bank only) • NIM at 4.86% (-97 bps YoY) • • • ROA (Net) at 1.10% (-39 bps YoY) ROE (Net) at 11.96% (-485 bps YoY) NPL (Gross) at 1.26% (+19 bps YoY) bank bjb 11#12Income Statement Consolidated bank bjb YoY Result QoQ Result Income Statement (Rp bn) YOY YOY (%) 9M22 (Rp bn) 9M23 3Q22 1Q23 2Q23 3Q23 QoQ (%) YoY (%) Interest Income 9,879 10,509 +6.4% 630 3,361 3,427 3,490 3,592 +2.9% +6.9% Interest Expense 3,689 5,275 +43.0% 1,586 1,268 1,728 1,734 1,814 +4.6% +43.1% Net Interest Income 6,190 5,234 -15.5% (957) 2,093 1,699 1,756 1,778 +1.3% -15.1% Fee Based Income 1,132 1,253 +10.7% 121 391 362 386 505 +31.1% +29.2% Operating Expense 4,886 4,509 -7.7% (377) 1,690 1,579 1,428 1,502 +5.2% -11.1% Gain (Loss) on Financial Statement 95 123 +29.5% 28 40 70 40 14 -65.6% -65.9% PPOP 2,531 2,100 -17.0% (431) 834 552 754 795 +5.5% -4.7% Loan Loss Provision 291 358 +22.9% 67 97 100 90 168 +86.5% +73.2% Non Operating Expense 19 18 -4.8% (1) 9 5 7 6 -5.6% -33.0% PBT 2,221 1,724 -22.4% (496) 728 446 657 621 -5.5% -14.7% Tax Expense 438 307 -29.8% (131) 143 80 115 113 -1.6% -21.2% Net Income 1,783 1,417 -20.5% (366) 585 366 543 508 -6.4% -13.1% 12#13Balance Sheet Consolidated bank bjb Balance Sheet (Rp bn) YOY 3Q22 4Q22 1Q23 2Q23 3Q23 (%) Cash 2,475 3,300 2,944 2,883 2,264 -8.5% Current Account with Bank Indonesia 11,855 13,033 10,998 8,947 11,920 +0.5% Secondary Reserves 35,588 41,876 37,347 36,425 32,028 -10.0% Loans & Financing 113,406 115,756 116,449 121,282 124,986 +10.2% Allowance (-) (1,923) (1,792) (1,831) (1,880) (1,934) +0.6% Fixed Asset (Net) 4,523 4,563 4,617 4,678 4,740 +4.8% Other Asset 4,283 4,505 5,338 5,359 5,306 +23.9% Total Asset 170,207 181,241 175,862 177,694 179,310 +5.3% Total Third Party Fund 125,025 131,139 129,795 129,080 130,857 +4.7% Marketable Securities Issued 6,391 5,551 5,552 5,553 4,638 -27.4% Fund Borrowings 19,895 22,046 17,203 17,938 17,535 -11.9% Repo 1,330 3,081 461 2,942 2,822 +112.1% Others Total Liabilities Total Equity 3,602 4,665 7,635 7,279 8,417 +133.7% 156,244 166,482 160,645 162,791 164,268 +5.1% 13,963 14,759 15,217 14,904 15,042 +7.7% 13#14Key Ratios bank bjb Bank Only Key Ratios (%) 3Q22 4Q22 1Q23 2Q23 3Q23 YOY Return on Assets/ROA (Net) 1.5 1.4 0.9 1.1 1.1 -0.4 Return on Equity/ROE (Net) 16.9 15.5 9.2 11.7 12.0 -4.9 Cost to Income Ratio/CIR 66.8 70.0 75.4 71.0 69.4 +2.7 Profitability Expenses Ratio/BOPO 78.7 80.4 87.8 85.0 84.7 +6.0 Net Interest Margin/NIM 5.8 5.9 4.8 4.8 4.9 -1.0 Assets Yield 8.8 9.0 9.0 9.0 9.1 +0.2 Cost of Fund/COF 3.0 3.2 4.3 4.3 4.3 +1.3 Special Mention Ratio 2.1 1.9 2.3 2.4 2.4 +0.3 Non-Performing Loan/NPL (Gross) 1.07 1.16 1.21 1.22 1.26 +0.19 Asset Quality Non-Performing Loan/NPL (Nett) 0.4 0.5 0.5 0.3 0.6 +0.3 Loan At Risk/LAR 6.4 6.1 6.4 6.4 6.2 -0.2 Coverage Ratio 148.9 124.3 121.9 119.1 114.7 -34.2 Cost of Credit/COC 0.3 0.1 0.1 0.1 0.2 -0.1 Loan To Deposit Ratio/LDR 88.2 85.0 86.0 90.4 92.4 +4.2 Macroprudential Intermediation Ratio/RIM 87.1 84.5 85.7 90.2 92.1 +5.1 Funding, Macroprudential Inclusive Liquidity & Capital 60.4 62.0 61.8 61.4 58.6 -1.9 Financing Ratio/RPIM Net Stable Funding Ratio/NSFR 100.9 104.8 102.5 100.9 100.0 -0.8 Liquidity Coverage Ratio/LCR 207.9 206.7 207.2 198.1 196.9 -11.1 Capital Adequacy Ratio/CAR 17.7 19.2 21.1 20.1 19.6 +1.9 14#15Yield Analysis Bank Only Cost of Fund Breakdown Trend 7DRR 6.7 6.5 bank bjb Asset Yield (%) 3Q22 4Q22 1Q23 2Q23 3Q23 Placement to Bl 2.8 3.0 6.6 6.2 8.8 Cost of Fund Current Account Interbank Placement 0.9 5.2 1.1 1.2 1.1 -Savings Account Time Deposit Securities 4.6 5.2 5.1 5.3 5.3 Loans Yield 10.8 10.8 10.4 10.4 10.4 Asset Yield Distribution Loan; 88.9% SecurOthers; 9.7%1.4% 5.2 5.2 5.2 4.9 4.7 4.5 4.2 Cost of Fund (%) 3Q22 4Q22 1Q23 2Q23 3Q23 Current Account 1.7 1.7 1.5 1.5 1.5 Savings Account 1.0 1.0 1.1 1.1 0.9 3.5 3.2 3.1 3.1 Time Deposit 3.2 3.5 5.2 5.2 5.2 Customers Deposit 2.5 2.6 3.6 3.6 3.5 Loans received 4.6 4.7 6.7 7.2 7.4 1.9 1.8 1.8 1.7 1.7 1.7 1.7 1.7 1.7 1.7 1.5 1.5 1.5 1.4 Interbank Liabilities 1.9 2.0 4.3 4.7 5.5 1.3 1.1 1.1 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 0.9 Debt Securities Issued 8.6 8.8 8.6 8.2 8.4 Cost of Fund 3.0 3.2 4.3 4.3 4.3 2Q23 3Q23 Cost of Fund Distribution Deposit; 69.0% Term Loan; Securite thers; 16.9% 9.4% 4.7% 15#16Guidance Bank Only Loans Growth (%) 3Q22 4Q22 1Q23 2Q23 3Q23 2023 Guidance 11.6 13.1 10.3 9.8 10.1 10.0 ± 1.0 Loan to Deposit Ratio 88.2 85.0 86.0 90.4 92.4 ≤ 92.0 NIM Cost of Fund 5.8 5.9 4.8 4.8 4.9 4.75 ± 0.25 3.0 3.2 4.3 4.3 4.3 4.5 ± 0.25 Coverage Ratio 148.9 124.3 121.9 119.1 114.7 110 - 120 Gross NPL 1.07 1.16 1.21 1.22 1.26 1.2 ± 0.1 Cost of Credit 0.3 0.4 0.1 0.1 0.2 0.2 ± 0.1 CASA Ratio 48.7 42.1 45.0 43.2 42.7 40 ± 5 bank bjb 16#173Q2023 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 BKN) Number of Pensioners Whose Their Pension Benefit Disbursed Through BJBR (Person, Internal Data) Pre-Pensioners Loan Pre-Pensioners Loan 99.0 Pensioners Loan 100 Max 90% from Salary Max 70% from Pension Benefit % Portion of Direct Deduction from Payroll DSR Max Tenor (End of Employment) 84.7 Max 90% from Salary 25 Years for Civil Servant 20 Years 15 Years for Non-Civil Servant 15 Years Permanent Jun 23 423,716 Contract/PPPK 85,879 Sep 23 Dec 22 431,289 65,152 Jun 23 Market Share ~54,4% (Permanent ASN Only, Jun 2023) 151,146 145,614 Penetration Rate ~44,9% (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 Potential Disbursement Per NoA ~Rp 125-150 Mn MICRO LOAN Rp 5 bn COMMERCIAL LOAN Rp 100 bn (LLL) CORPORATE LOAN Legal Lending Limit Government Program Regular Program Linkage Working Capital Investment 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 Syndication Regional Government Loan SOE Company and other productive loan Top Tier Company Pesat 18#19Loans Breakdown Loans Outstanding bank bjb Consumer Mortgage Corporate Commercial Micro % SML % NPL Rp Tr) (%) 120 5 Segment (Rp bn) 3Q22 3Q23 YoY (%) 7.4 7.2 100 6.5 6.2 69 166 7.0 6.8 6.6 11.4 10.4 Consumer 6.0 6.0 8.3 9.6 10.1 9.4 4 64,353 68,335 +6.2 Consumptive 7.0 60 8.2 7.5 80 11.9 12.3 14.4 16.4 16.4 16.5 16.5 18.8 19.1 Segment 60 7.6 7.8 8.1 8.5 8.9 9.2 9.4 9.8 10.2 3 Mortgage 8,853 10,228 +15.5 Corporate 16,395 19,091 +16.4 2 40 40 61.1 61.9 62.6 63.4 64.4 65.2 66.2 66.9 68.3 1 Productive Segment Commercial 9,560 11,384 +19.1 20 Micro 6,608 7,441 +12.6 0 0 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 Total Gross Loans 105,768 116,479 +10.1 Consumer Mortgage Corporate Commercial ■Micro 100% 6% 9% 6% 6% b% 6% 6% 6% 6% 6% 6% 8% 7% 8% 9% 9% 9% 9% 10% Asset Quality (%) 3Q22 3Q23 YoY (%) 80% T 13% 13% 15% 16% 16% 15% 15% 17% 16% 8% 8% 8% 8% 8% 9% 9% 9% 9% 60% Special Mention 2.1 2.4 +0.3 NPL 1.07 1.26 +0.19 40% 64% 65% 64% 62% 61% 60% 61% 59% 59% 20% 0% T T Currency (Rp bn) 3Q22 3Q23 YoY (%) 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 Economic Sectors (Business Segment 3Q23) IDR 104,627 115,236 +10.1 Trade 26.5% Construction 20.6% Financial 18.3% Industry 15.6% Other 19.1% Forex 1,141 1,244 +9.0 19#20Loans Movement Loans Disbursement, Run Off & Write Off Loan Movement (Rp bn, YoY) 3Q22 - 3Q23 Write Off Breakdown Micro; 3,997 Consumer Corporate & Commercial Micro ■Mortgage Corporate & Commercial; 19,794 Mortgage; 2,726 37,644 13.2% 17.7% 42.3% Consumer; 22,148 310 105,768 Total; 48,665 Loan Movement (Rp bn, QoQ) 2Q23 - 3Q23 26.8% Micro; 1,441 Corporate & Commercial; 14,372 8,570 116,479 113,076 Mortgage; 834 Consumer; 7,072 Total; 17,917 Write Off Breakdown Consumer Corporate & Commercial 6.3% 21.8% 142 49.3% bank bjb Micro ■Mortgage 22.5% 116,479 3Q22 Disbursement Installment Write Off 3Q23 2Q23 Disbursement Installment Write Off 3Q22 20#21Consumer Loans Bank Only bank bjb Multipurposes Pre-Pensioners Pensioners % SML % NPL YOY Key Indicators 3Q22 3Q23 (Rp Tr) (%) (%) 70 5 Loans Outstanding 64,353 68,335 +6.2% 9.4 9.0 9.2 60 8.5 8.8 7.3 7.6 7.9 8.2 (Rp bn) Net Expansion 4 2,437 3,172 +30.2% YtD (Rp bn) 12.0 11.9 12.0 50 11.2 11.3 11.5 11.5 11.6 11.6 Avg. Loans Outstanding 163 163 (Rp mn/Debtors) 3 40 No of Debtors 394,721 419,263 +6.2% 30 42.6 43.0 43.2 43.6 44.3 44.7 45.3 45.7 46.9 20 10 Loan Yield (%) 12.5 12.6 +0.1% 2 YOY Asset Quality 3Q22 3Q23 (%) 1 Special Mention 1.1 0.9 -0.2% 0 0 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 NPL 0.2 0.2 21#22Mortgage Loans Bank Only bank bjb FLPP KPR Primary Others % SML % NPL Key Indicators YOY 3Q22 な Tr) (%) 3Q23 10 (%) Loans Outstanding 9 8,853 (Rp bn) 10,228 +15.5% 10 8 Net Expansion 2.8 2.8 YtD (Rp bn) 1,081 1,018 -5.8% 7 8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 6 ထ Avg. Loans Outstanding 6 205 199 (Rp mn/Debtors) -2.9% 5 3.6 3.6 No of Debtors 43,114 51,286 +19.0% 3.5 3.4 4 3.3 4 2.9 29 3.2 3.2 3.1 3 Loan Yield (%) 8.4 7.7 -0.7% 2 2 3.8 2.5 2.8 3.0 3.2 3.4 1 YOY 2.2 1.8 1.9 Asset Quality 3Q22 3Q23 (%) 0 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 Special Mention 7.0 7.9 +0.9% FLPP Disbursement (9M23) 2023 FLPP Disbursement 2023 Allocation 6,311 NoA (78.9%) ~ Rp 948.3 bn 2 8.000 NoA NPL 2.6 2.7 +0.1% 22#23Corporate Loans Bank Only bank bjb Corporate Loans % SML % NPL YOY Key Indicators 3Q22 3Q23 (Rp Tr) 20 (%) (%) 10 Loans Outstanding 18 9 16,395 19,091 +16.5% (Rp bn) 16 8 Net Expansion YtD (Rp bn) 4,142 2,571 -37.9% 14 7 Avg. Loans Outstanding 12 6 260,238 (Rp mn/Debtors) 265,153 +1.9% 10 5 18.8 19.1 No of Debtors 63 72 +14.3% 16.4 8 16.4 16.5 16.5 4 14.4 6 11.9 12.3 3 Loan Yield (%) 7.2 7.0 -0.2% 4 2 0 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 2 1 YOY Asset Quality 3Q22 3Q23 (%) 0 1Q23 2Q23 3Q23 Special Mention 3.5 4.2 +0.8% Proportion Between SOE Related and Private Company (3Q23) SOE Related 62.3% Private Company 37.7% NPL 0.9 1.2 +0.3% 23#2412 10 8 (Rp Tr) 6 4 2 Commercial Loans Bank Only 8.2 3Q21 7.5 15 4Q21 L 7.0 7.0 bank bjb Commercial Loans % SML % NPL YOY Key Indicators 3Q22 3Q23 (%) (%) 10 Loans Outstanding 9,560 11,384 +19.1% (Rp bn) 9 Net Expansion 8 2,072 1,259 -39.2% YtD (Rp bn) 7 Avg. Loans Outstanding 3,367 4,173 +23.9% (Rp mn/Debtors) 6 No of Debtors 2,839 2,728 -3.9% 5 11.4 10.1 10.4 9.6 Loan Yield (%) 7.8 7.8 4 9.4 8.3 3 YOY Asset Quality 3Q22 3Q23 (%) 2 1 Special Mention 2.0 2.6 +0.6% T 0 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 NPL 5.3 5.6 +0.3% 24#25Micro Loans Bank Only bank bjb Reguler Program Linkage % SML % NPL YOY Key Indicators 3Q22 3Q23 SRP (Rp Tr) (%) (%) 5 Loans Outstanding 6,608 7,441 +12.6 7 (Rp bn) 4 Net Expansion 2.7 6 593 466 -21.38% 2.8 YtD (Rp bn) 3.0 2.8 2.8 5 2.9 Avg. Loans Outstanding 2.8 3 69 40 -41.4% 3.1 2.9 (Direct Loan, Rp mn) 4 No of Debtors 54,849 117,060 +113.4 (Direct Loan) 2 3.2 3 3.0 2.8 2.8 2.4 2.7 Loan Yield (%) 10.7 10.8 +0.1% 2.2 2 1.8 1.9 1 1 1.5 1.2 1.2 1.2 1.2 1.1 1.2 1.2 1.3 YOY Asset Quality 3Q22 3Q23 (%) 0 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 Special Mention 2.4 3.6 +1.2% KUR Disbursement (9M23) 2023 KUR Disbursement Rp 1.53 Tr (51.0%) 2023 Allocation Rp 3.0 Tr NPL 1.6 2.3 +0.7% 25#26Special Mention Loans Consumer Micro Corporate & Commercial Mortgage % SML • Total SML (Rp Tr) 3,000 (%) 5 100% 2,760 2,793 2,682 2,536 2,508 2,500 574 2,250 2,223 560 2,113 2,038 668 2,000 470 608 618 542 732 804 80% ■Consumer ■Micro Corporate & Commercial ■Mortgage bank bjb 21% 22% 22% 27% 28% 27% 27% 27% 29% 32% 31% 60% 38% 32% 34% 37% 39% 42% 40% 2.83 2.58 1,500 2.44 2.40 2.31 871 2.21 2.18 4% 3% 40% 4% 6% 7% 6% 8% 9% 10% 2.10 109 956 1.89 656 1,000 68 93 728 926 759 1,160 1,108 2 20% 42% 43% 37% 35% 31% 29% 28% 23% 22% 126 791 199 160 246 268 0% 121 T 1 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 1,128 500 919 927 789 686 714 584 621 614 Special Mention Loans Composition Based On Economic Sector (3Q23) Industry 43.2% 0 0 T 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 Trade 35.3% Construction 6.2% Agriculture Others 5.4% 9.9% 26#27Non Performing Loans Consumer Micro Corporate & Commercial Mortgage % NPL . Total NPL (Rp Tr) 1,600 (%) 5 100% 1,470 1,378 1,400 80% 1,307 273 1,252 1,197 1,188 271 1,166 1,200 1,135 1,135 256 236 60% 259 237 232 227 233 1,000 800 40% ■Consumer ■Micro Corporate & Commercial ■Mortgage bank bjb 22% 20% 20% 20% 21% 19% 20% 20% 19% 58% 60% 58% 58% 57% 61% 58% 58% 59% 863 806 756 761 600 688 711 676 653 650 2 20% 10% 10% 9% 10% 11% 11% 10% 11% 12% 400 1.26 1.24 1.26 10% 10% 13% 12% 13% 11% 12% 11% 11% 1.19 1.21 1.22 1.16 1.10 0% 1.07 T 1 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 173 137 147 200 112 115 104 135 121 Non Performing Loans Composition Based On Economic Sector (3Q23) 125 Construction 114 115 146 140 147 134 157 154 161 38.3% Trade 31.2% Finance 18.7% Industry Others 3.0% 8.9% 0 T T 0 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 27 ך#28Restructured Loans Consumer Micro Corporate & Commercial Mortgage % Loan Restruct (Rp Tr) (%) 100% 5,000 10 4,625 4,655 4,733 4,668 4,602 4,551 4,484 4,500 801 80% 854 844 788 825 812 4,000 3,851 801 3,801 3,500 848 869 3,000 2,500 2,000 4.07 3.98 1,500 T ■Consumer ■Micro Corporate & Commercial ■Mortgage bank bjb 18% 18% 18% 18% 18% 17% 17% 22% 23% 60% 49% 50% 61% 63% 64% 65% 66% 68% 70% 40% 4.71 4.52 4.35 4.15 4.20 4.13 4.06 4 20% 21% 21% 16% 15% 14% 13% 13% 12% 11% 7% 7% 5% 4% 4% 4% 3% 3% 2% 0% T T T T 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 Restructured Loan Composition Based On Economic Sector (3Q23) 1,899 1,898 2,814 1,000 2,921 2,947 2,919 3,013 3,196 3,301 821 781 735 692 500 653 604 587 557 520 Construction 26.9% 283 253 222 198 177 160 139 127 112 0 0 T 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 Trade 22.9% Household 17.5% Industry 17.1% Others 15.6% 28 ך#29Deposit Breakdown Bank Only bank bjb Current Account Saving Account Time Deposit (Rp Tr) 140 Deposits Breakdown (Rp bn) YOY 3Q22 3Q23 (%) 120 Current Account 33,514 26,563 -20.7% 100 66.5 66.4 59.6 70.4 66.6 68.4 69.8 Saving Account 23,124 25,435 +10.0% 60 68.3 80 62.8 60 Time Deposit 59,617 69,808 +17.1% 24.2 23.1 22.6 23.8 40 40 23.9 25.4 21.4 24.7 26.5 TOTAL 116,255 121,805 +4.8% 20 27.7 31.6 34.0 33.5 30.6 26.0 24.8 28.0 26.6 CASA Ratio (%) 48.7 42.7 -6.0% 0 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 Government ■Corporate ■Retail 100% Currency YOY 29% 32% 28% 29% 30% 32% 30% 30% 31% 3Q22 3Q23 80% (Rp bn) (%) 60% 44% 45% 43% 39% 46% 45% 41% IDR 114,521 118,950 +3.9% 40% 50% 53% 20% 27% 27% 28% 30% 25% 25% 28% 17% 15% Forex 1,734 2,856 +64.7% 0% 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 29#30Capital Adequacy bank bjb Risk Weighted 3Q22 3Q23 Asset (RWA) YoY (%) • Total RWA 92,607 86,685 -6.4% • Total Capital Rp 17.0 tr (+Rp 585 bn YoY) Total CAR at 19.6% (+188 bps YoY) Credit Risk 71,497 75,981 +6.3% Addition to Net Impact to CAR Analysis Risk Weighting Operational Risk 14,787 6,704 -54.7% RWA/ Rp1tr Net Expansion CAR (%) Market Risk 6,323 4,001 -36.7% Consumer Loans 50% Rp 500bn 0.11 RWA/Total Asset 57.7% 51.4% -6.3% tier-1 12,016 12,792 +6.5% Micro Loans 75% Rp 750bn 0.17 tier -2 4,410 4,220 -4.3% Total Capital 16,426 17,011 +3.6% Commercial Loans 100% Rp 1tr 0.22 Tier-1 CAR 13.0% 14.8% +1.8% Mortgage Loans 40% Rp 400bn 0.09 Total CAR 17.7% 19.6% +1.9% 30#31bank bjb 3Q2023 Performance Consumer Loan Details 31#3247 46 45 (Rp Tr) 44 Multipurpose Loans 43 42.6 43.2 43.0 Multipurposes % SML % NPL 43.6 44.3 44.7 45.3 45.7 bank bjb (%) YOY 46.9 5 Key Indicators 3Q22 3Q23 (%) Loans Outstanding 44,261 46,910 +6.0 Net Expansion 1,293 YtD (Rp bn) 2,189 +69.3% Avg. Loans Outstanding 145 147 +1.1% (Rp mn) 3 No of Debtors 305,228 319,864 +4.8% 2 % Portion of Direct Deduction from Payroll 80.1 84.7 +4.5% Asset YOY 3Q22 3Q23 1 Quality (%) Special 1.2 1.0 -0.2 Mention 42 T NPL 0.2 0.3 +0.1 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 32#33Pre-Pensioner Loans bank bjb Pre-Pensioners % SML % NPL (Rp Tr) 13 (%) YOY 5 Key Indicators 3Q22 3Q23 (%) Loans Outstanding 11,572 11,981 +3.5% 12.0 12.0 12 11.9 Net Expansion 248 343 +38.2% 11.6 11.5 11.6 YtD (Rp bn) 11.5 11.3 11.2 Avg. Loans Outstanding 192 193 +0.9% (Rp mn) 11 3 No of Debtors 10 60,400 61,989 +2.6% 2 % Portion of Direct Deduction from Payroll 95.4 99.0 +3.6% Asset YOY 3Q22 3Q23 1 Quality (%) Special 0.8 0.6 -0.2 Mention 8 T NPL 0.2 0.2 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 33#34(Rp Tr) 10 9 8 7 6 Pensioner Loans 7.3 bank bjb Pensioners % SML % NPL (%) YOY 5 Key Indicators 3Q22 3Q23 (%) 9.4 9.2 9.0 8.8 8.5 8.2 7.9 7.6 Loans Outstanding 8,520 9,443 +10.8 Net Expansion 896 641 -28.5% YtD (Rp bn) Avg. Loans Outstanding 126 123 -2.1% (Rp mn) 3 No of Account 67,579 76,470 +13.2% 2 % Portion of Direct Deduction from Payroll 100 100 Asset YOY 3Q22 3Q23 1 Quality (%) Special Mention 0.8 0.7 -0.1 5 T T 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 NPL 0.2 0.2 3Q23 34#35bank bjb 3Q2023 Performance bank bjb Sharia Performance Syariah 35#36Result Summary bank bjb Sharia · Income Statement Net Financing Income at Rp 415 bn (+2.5% YoY) • PPOP at Rp 93 bn (-12.7% YoY) • Net Income at Rp 53 bn (-30.2% YoY) • Balance Sheet • Ratios (bank only) • Total Financing at Rp 8.3 tr (+14.8% YoY) Total Deposits at Rp 9.0 tr (+5.7% YoY) Total Asset at Rp 12.3 tr (+10.6% YoY) NIM at 5.1% (-52 bps YoY) • ROA at 0.6% (-36 bps YoY) • ROE at 4.5% (-234 bps YoY) NPF Gross at 3.7% (+49 bps YoY) bank bjb Syariah 36#37Income Statement bank bjb Sharia Income Statement (Rp mn) YOY 3Q22 3Q23 (%) YOY (Rp mn) Financing Income 571,238 669,138 +17.1% +97,900 Financing Expense 166,252 254,059 +52.8% +87,807 Net Financing Income 404,986 415,079 +2.5% +10,093 Other Operating Income 29,950 48,954 +63.5% +19,004 Operating Expense 328,497 371,130 +13.0% +42,633 PPOP 106,439 92,903 -12.7% -13,536 Loan Loss Provision 30,036 39,431 +31.3% +9,395 Non Operating Expense 246 292 +18.7% +46 Income (loss) Before Tax 76,157 53,180 -30.2% -22,977 Tax Expense 16,754 11,101 -33.7% -5,653 Net Income (Loss) 59,403 42,079 -29.2% -17,324 bank bjb Syariah 37#38Balance Sheet bank bjb Sharia BS highlight (Rp Mn) YOY 3Q22 3Q23 (%) Cash 49,433 42,454 -14.1% Current Account with Bank Indonesia 556,329 556,514 +0.0% Secondary Reserves 2,849,577 2,936,146 +3.0% Financing-net 7,111,531 8,163,212 +14.8% Fixed Asset-net 296,644 313,558 +5.7% Other Asset 287,408 321,565 +11.9% Total Asset 11,150,922 12,333,449 +10.6% Total Funding 8,503,710 8,990,598 +5.7% Fund Borrowings 298,129 496,991 +66.7% Others 1,059,839 1,454,499 +37.2% Total Liabilities 9,861,678 10,942,088 +11.0% Total Equity 1,289,244 1,391,361 +7.9% bank bjb Syariah 38#39Key Ratios bank bjb Sharia Sharia 3Q22 3Q23 YOY (%) CAR 22.4 20.8 -1.6 NPF Gross 3.2 3.7 +0.5 NPF Nett 1.7 1.9 +0.2 ROA 1.0 0.6 -0.4 ROE 6.9 4.5 -2.3 BOPO 87.3 92.6 +5.3 FDR 85.2 91.5 +6.3 NIM 5.6 5.1 -0.5 bank bjb Syariah 39#40Financing and Funding Breakdown bank bjb Sharia Financing (Rp mn) YOY 3Q22 3Q23 (%) Murabahah 4,477,785 4,870,712 +8.8% Qardh 111,827 107,890 -3.5% Financing 2,681,086 3,367,589 +25.6% 631 513 -18.7% 7,271,329 8,346,704 +14.8% Istishna Total Gross Financing Funding YOY 3Q22 3Q23 (Rp mn) (%) Wadiah Current Account 93,617 151,522 +61.9% Wadiah Savings Account 503,676 641,339 +27.3% Mudharabah Current Account 953,639 980,807 +2.8% Mudharabah Savings Account 1,598,677 1,504,734 -5.9% Mudharabah Time Deposit 5,354,101 5,712,196 +6.7% Total Funding 8,503,710 8,990,598 +5.7% 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) Rudie Kusmayadi Commisioner Last Position President Director PDAM Tirta Raharja (2009-2023) Farid Rahman Independent President Commissioner Last Position President Commissioner of Bank Woori Saudara (2014-2019) Tomsi Tohir Commisioner Last Position Inspector General of Ministry of Home Affairs (2019-now) 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 (2020-2023) Board of Directors 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#43Distribution Network North Sumatera bank bengkulu tangguh dan tumbuh Ownership 7,15% Riau Lampung Riau Island South Sumatera East bank bjb Kalimantan bjb Network 3Q22 3Q23 YOY Jakarta South West Java Kalimantan Central Java East Java Bali South Sulawesi Office Network BPD Affiliate Banten Potential Addition BPD as KUB Members No Office Network BANKSULTRA Maju Bersama LOI KUB Sept 2022 Office Channels 925 907 -18 Branch 65 64 -1 Sub Branch 836 819 -17 bjb Priority 18 18 0 bank LUKUMALUT Seca Melayan MOU KUB Okt 2023 MSME Center 6 6 0 Electronic Banking Terminal 1,846 1,915 69 Distribution Network in 14 Provinces & Synergy with 3 Regional Banks (Ongoing) Deposits 60.3 Tr Loans 64.8 Tr Micro Loans 4.2 Tr 3,240,392 Customers 35 Branch Offices 623 Sub Branches 1,292 ATM Unit 5,482 Employees West Java Deposits 14.2 Tr Loans 15.2 Tr Micro Loans 666 bn 1,217,855 Customers 8 Branch Offices 110 Sub Branches 376 ATM Unit 765 Employees Banten Deposits 43.8 Tr Loans 22.8 Tr Micro Loans 1.02 Tr 91,424 Customers 8 Branch Offices 43 Sub Branches 92 ATM Unit 538 Employees Jakarta Deposits 3.6 Tr Loans 12.4 Tr Micro Loans 1.5 Tr 99,742 Customers 13 Branch Offices 43 Sub Branches 155 ATM Unit 508 Employees Others (Combined 11 Provinces) 43#44Human Capital Level 3Q22 3Q23 YOY Board of Commissioners Directors 5 7 2 Age Breakdown By Person > 50 181 (2.5%) 7 7 0 40-50 753 (10.3%) bank bjb Top Management 35 29 -6 30-40 4.751 (65.1%) Senior Management 171 177 6 18-30 1.608 (22.0%) Middle Management First Line Management Staff 641 635 -6 Gender Diversity By Percentage 1,692 1,738 46 Male 51.3% 4,890 4,714 -176 Female 48.7%% Employee in Pension Preparation 1 0 -1 Total Permanent 7,430 7,293 -137 Total Non Permanent 1,042 1,046 4 Human Capital Development Program bjb university= Bjb University becomes the Center of Learning Organization for the development of bank bjb's employees' potential and capabilities. Total 8,472 8,339 -133 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 -EL-OL 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 04-23 07-23 Dividend per Share 3Q22 3Q23 3Q22 3Q23 2022 Regional Government 75.55 75.55 Public 24.45 24.45 West Java Provincial Government 38.52 38.52 Local Retail 7.35 8.99 2021 99.11 Banten Provincial Government 4.95 4.95 Local Institution 11.15 10.75 West Java Municipal Governments 24.15 24.15 Foreign Retail 0.02 0.01 2020 95.74 Banten Municipal Governments 7.93 7.93 Foreign Institution 5.95 4.71 Ratings September 30th, 2023 Price 1.170 MCap Rp12,3 Tr BV Rp15.0 Tr 104.55 Pefindo Corporate Rating idAA/Stable Fitch Ratings Indonesia National Long Term Rating A+ (idn)/Stable 45 bank bjb#462023 Awards fobank isentia infobank ט infobank bank bjb EXCELLENT POST TOP GRG GOLDEN AWARDS TOP GRC AWARDS 2023- PT BAM PEMBANGUNAN DAERAH JAWA BARA CAN BANTEN T ***** TOP GRC AWARDS 24235 STARS TOP BUMD 2023 Infobank Top GRC Awards 2023 #5 Star TOP Business isentia abank bark bjb bank bjb EXCELLENT 2023 Golden Awards TOP BUMD 2023 Infobank infobank isentia infabank isentia MRI infobank MRI bank bjb bank bjb. THE BEST PRIORITY STAFF CONVENTERAL BANK PRANK PEMBANGUNAN DAERAH JA BARAT BAN BANTEN T THE BEST-CONVENIENT BRANCH EXPERIENCE IN PRIORITY SERVICE CONVENTRINAL BANK The Best KPR Conventional Bank Infobank The Best Mobile Banking Conventional Bank Infobank The Best Saving Account Conventional Bank Infobank The 1 Best Priority Banking Infobank The 1 Best Priority Staff Infobank IICDE PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk 直喷 PUBLIC LISTES COMIENNY INDONESIA INNOVATION AWARDS 2023 PT SANK PENSANGURAN DAERAH JAWA BARAT DAN BANTEN TO BANK PEMBANGUNAN DAERAH TERBAIK 2023 bank bjb pbank sentia Top 50 Emiten Indonesia Innovation Best Bank 2023 The Best Internet Banking IICD Award 2023 Award 2023 The Iconomics Majalah Investor DIGI Net Infobank AWARDS BANK BUS infobank bank bjb infobank bank bjb. bank bjb The Best Conventional Bank (KBMI 2) Corporate Brand Infobank 28th Infobank Award Infobank MRI CORPORATE lebank THEST PRIORITY BANKING IN SERVICE ENCILLENCE bank bi ✔risentia Detikjabar Award 2023 The 1 Best Convinient Branch Experience Infobank Corporate Reputations Awards 2023 The Iconomics The Best Internet Banking Conventinoal Infobank 46#47PT Bank Pembangunan Daerah bank bjb Jawa Barat dan Banten, Tbk 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. CONTACT INFORMATION Investor Relations (IR) Menara bank bjb 7th Floor JI. Naripan 12 - 14, Bandung 40111 Phone: +622 4234868 Email: [email protected]