2Q2023 Financial Performance Summary

Capital Adequacy bank bjb Risk Weighted 2Q22 2Q23 Asset (RWA) YoY (%) • Total RWA 89,841 84,171 -6.3% •Total Capital Rp 16.9 tr (+Rp 682 bn YoY) Total CAR at 20.1% (+202 bps YoY) Credit Risk 69,073 73,233 +6.0% Addition to Net Impact to CAR Analysis Risk Weighting Operational Risk 14,787 6,704 -54.7% RWA/ Rp1tr Net Expansion CAR (%) Market Risk 5,981 4,234 -29.2% Consumer Loans 50% Rp 500bn 0.12 RWA/Total Asset 55.1% 50.2% -4.9% tier-1 11,823 12,697 +7.4% Micro Loans 75% Rp 750bn 0.18 tier -2 4,379 4,186 -4.4% Total Capital 16,201 16,883 +4.2% Commercial Loans 100% Rp 1tr 0.24 Tier-1 CAR 13.2% 15.1% +1.9% Mortgage Loans 40% Rp 400bn 0.09 Total CAR 18.0% 20.1% +2.1% 30

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