Quarterly Financial Overview

Capital Adequacy bank bjb Risk Weighted 3Q22 3Q23 Asset (RWA) YoY (%) • Total RWA 92,607 86,685 -6.4% • Total Capital Rp 17.0 tr (+Rp 585 bn YoY) Total CAR at 19.6% (+188 bps YoY) Credit Risk 71,497 75,981 +6.3% Addition to Net Impact to CAR Analysis Risk Weighting Operational Risk 14,787 6,704 -54.7% RWA/ Rp1tr Net Expansion CAR (%) Market Risk 6,323 4,001 -36.7% Consumer Loans 50% Rp 500bn 0.11 RWA/Total Asset 57.7% 51.4% -6.3% tier-1 12,016 12,792 +6.5% Micro Loans 75% Rp 750bn 0.17 tier -2 4,410 4,220 -4.3% Total Capital 16,426 17,011 +3.6% Commercial Loans 100% Rp 1tr 0.22 Tier-1 CAR 13.0% 14.8% +1.8% Mortgage Loans 40% Rp 400bn 0.09 Total CAR 17.7% 19.6% +1.9% 30

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