Quarterly Financial Overview

Consumer Loans Bank Only bank bjb Multipurposes Pre-Pensioners Pensioners % SML % NPL YOY Key Indicators 3Q22 3Q23 (Rp Tr) (%) (%) 70 5 Loans Outstanding 64,353 68,335 +6.2% 9.4 9.0 9.2 60 8.5 8.8 7.3 7.6 7.9 8.2 (Rp bn) Net Expansion 4 2,437 3,172 +30.2% YtD (Rp bn) 12.0 11.9 12.0 50 11.2 11.3 11.5 11.5 11.6 11.6 Avg. Loans Outstanding 163 163 (Rp mn/Debtors) 3 40 No of Debtors 394,721 419,263 +6.2% 30 42.6 43.0 43.2 43.6 44.3 44.7 45.3 45.7 46.9 20 10 Loan Yield (%) 12.5 12.6 +0.1% 2 YOY Asset Quality 3Q22 3Q23 (%) 1 Special Mention 1.1 0.9 -0.2% 0 0 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 NPL 0.2 0.2 21

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