2Q2023 Financial Performance Summary

Consumer Loans Bank Only bank bjb Multipurposes Pre-Pensioners Pensioners % SML % NPL YOY Key Indicators 2Q22 2Q23 (Rp Tr) (%) (%) 70 5 Loans Outstanding 63,375 66,898 +5.6% (Rp bn) 9.0 9.2 60 8.5 8.8 8.2 7.0 7.3 7.6 7.9 Net Expansion 4 1,459 1,735 +19.0% YtD (Rp bn) 11.9 12.0 50 10.9 11.2 11.3 11.5 11.5 11.6 11.6 Avg. Loans Outstanding 120 118 -2.3% (Rp mn) 3 40 No of Account 526,718 568,841 +8.0% 30 42.9 42.6 43.0 43.2 43.6 44.3 44.7 45.3 45.7 20 10 Loan Yield (%) 12.6 12.2 -0.4 2 YOY Asset Quality 2Q22 2Q23 (%) 1 Special Mention 1.2 0.9 -0.3 T 0 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 NPL 0.2 0.2 21

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