Investor Presentaiton

Pioneer of Regional Development Bank (BPD) Synergy Bank Business Group (KUB) of bank bjb bank bjb's KUB Scheme The Difference Between bank bjb Syariah and BPD Majority & bank bjb Controlling Shareholders Syariah Ownership 99.24% Total Assets Rp 12.3 tr Total Financing Rp 8.3 tr KUB Progress Update Bank Bengkulu Rp 9.0 tr 3 bank bengkulu tangguh dan tumbuh Key Milestone Total Deposits Net Income Distribution Channel 11 Branch 47 Sub Branch 120 ATM 11 Jan 2022 Signing Memorandum of Understanding of KUB Signing Agreement regarding KUB Rp 42.0 bn 29 July 2022 - ROE 4.5% NI 5.1% NPF 3.7% FDR 91.5% Current Ownership Structure bank bjb Prov Bengkulu bank bjb 39.70 7.15 Others 53.15 لهيا Non-Majority & Joint-Controlling Shareholders Aiming for Second Largest Shareholders below existing Provincial Government. Joint-Controlling Shareholders with existing Provincial Government based on a Shareholders Agreement. BPD will continue to exist with its current identity and will not be merged into bank bjb. Other Subsidiary Companies (Non KUB) bjb bjb Sekuritas bank bij Sekuritas Ownership 93,75% BPR Intan Jabar Ownership 11,66% 29 Nov 2022 10 March 2023 23 June 2023 Next Step - Bank bjb will make a Capital Injection maximum Rp 250 bn to Bank Bengkulu. On the same day, bank bjb executed a Capital Injection Phase I amounted Rp 99.9 bn. Capital Injection Phase I approved by OJK - Bank bjb become Bank Bengkulu's Shareholders with 7.15% ownership. This transaction marks the first time BPD has ownership in another BPD, the first step of KUB between BPD. Granted Approval from EGMS Bank Bengkulu - Bank bjb to become a Controlling Shareholders of Bank Bengkulu, joint-control with Bengkulu Provincial Government based on Shareholders Agreement. Bank Bengkulu to become a member of bank bjb's KUB Capital Injection Phase II Bank bjb executed a Capital Injection Phase II amounted Rp 149.9 bn (subject to OJK approval). Currently, Bank bjb is seeking approval from the OJK of 1) Capital Injection Phase II; 2) Fit and Proper Test bank bjb as an additional Controlling Shareholder of Bank Bengkulu. If all approvals are granted, Bank Bengkulu will officially become a member of bank bjb's KUB. 5

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