Investor Presentaiton

Guidance Bank Only Loans Growth (%) 3Q22 4Q22 1Q23 2Q23 3Q23 2023 Guidance 11.6 13.1 10.3 9.8 10.1 10.0 ± 1.0 Loan to Deposit Ratio 88.2 85.0 86.0 90.4 92.4 ≤ 92.0 NIM Cost of Fund 5.8 5.9 4.8 4.8 4.9 4.75 ± 0.25 3.0 3.2 4.3 4.3 4.3 4.5 ± 0.25 Coverage Ratio 148.9 124.3 121.9 119.1 114.7 110 - 120 Gross NPL 1.07 1.16 1.21 1.22 1.26 1.2 ± 0.1 Cost of Credit 0.3 0.4 0.1 0.1 0.2 0.2 ± 0.1 CASA Ratio 48.7 42.1 45.0 43.2 42.7 40 ± 5 bank bjb 16

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