Quarterly Financial Overview

Loans 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

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