Investor Presentaiton

Corporate Loans Bank Only bank bjb Corporate Loans % SML % NPL YOY Key Indicators 3Q22 3Q23 (Rp Tr) 20 (%) (%) 10 Loans Outstanding 18 9 16,395 19,091 +16.5% (Rp bn) 16 8 Net Expansion YtD (Rp bn) 4,142 2,571 -37.9% 14 7 Avg. Loans Outstanding 12 6 260,238 (Rp mn/Debtors) 265,153 +1.9% 10 5 18.8 19.1 No of Debtors 63 72 +14.3% 16.4 8 16.4 16.5 16.5 4 14.4 6 11.9 12.3 3 Loan Yield (%) 7.2 7.0 -0.2% 4 2 0 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 2 1 YOY Asset Quality 3Q22 3Q23 (%) 0 1Q23 2Q23 3Q23 Special Mention 3.5 4.2 +0.8% Proportion Between SOE Related and Private Company (3Q23) SOE Related 62.3% Private Company 37.7% NPL 0.9 1.2 +0.3% 23

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