Investor Presentaiton

Financial Performance 3Q2023 Result Summary Income Statement • • Net Interest Income at Rp 5.23 tr (-15.5% YoY) PPOP at Rp 2.10 tr (-17.0% YoY) LLP at Rp 358 bn (+22.9% YoY) • Net Income at Rp 1.42 tr (-20.5% YoY) Balance Sheet . • Total Loans at Rp 116.6 tr (+9.9% YoY) • • • Total Financing at Rp 8.3 tr (+14.8% YoY) Total Deposits at Rp 130.8 tr (+4.7% YoY) Total Asset at Rp 179.3 tr (+5.3% YoY) Ratios (bank only) • NIM at 4.86% (-97 bps YoY) • • • ROA (Net) at 1.10% (-39 bps YoY) ROE (Net) at 11.96% (-485 bps YoY) NPL (Gross) at 1.26% (+19 bps YoY) bank bjb 11

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