Investor Presentaiton

Commitment 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

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