Investor Presentaiton

Loans 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

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