Quarterly Financial Overview

Income Statement Consolidated bank bjb YoY Result QoQ Result Income Statement (Rp bn) YOY YOY (%) 9M22 (Rp bn) 9M23 3Q22 1Q23 2Q23 3Q23 QoQ (%) YoY (%) Interest Income 9,879 10,509 +6.4% 630 3,361 3,427 3,490 3,592 +2.9% +6.9% Interest Expense 3,689 5,275 +43.0% 1,586 1,268 1,728 1,734 1,814 +4.6% +43.1% Net Interest Income 6,190 5,234 -15.5% (957) 2,093 1,699 1,756 1,778 +1.3% -15.1% Fee Based Income 1,132 1,253 +10.7% 121 391 362 386 505 +31.1% +29.2% Operating Expense 4,886 4,509 -7.7% (377) 1,690 1,579 1,428 1,502 +5.2% -11.1% Gain (Loss) on Financial Statement 95 123 +29.5% 28 40 70 40 14 -65.6% -65.9% PPOP 2,531 2,100 -17.0% (431) 834 552 754 795 +5.5% -4.7% Loan Loss Provision 291 358 +22.9% 67 97 100 90 168 +86.5% +73.2% Non Operating Expense 19 18 -4.8% (1) 9 5 7 6 -5.6% -33.0% PBT 2,221 1,724 -22.4% (496) 728 446 657 621 -5.5% -14.7% Tax Expense 438 307 -29.8% (131) 143 80 115 113 -1.6% -21.2% Net Income 1,783 1,417 -20.5% (366) 585 366 543 508 -6.4% -13.1% 12

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