bank bjb Financial Performance Review

Pioneer 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

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