Investor Presentaiton

bank bjb Investment Proposition The Economic Potential of West Java & Banten Indonesia's 2nd Largest Economic Region (Combined) Pioneer of Regional Development Bank (BPD) Synergy Indonesia's Largest Regional Development Bank The First Movers on Sustainable Banking in Indonesia Strong Commitment to ESG Implementation Other 36 Provinces 2Q-2023 Regional GDP of West Java & Banten 16.8% of Indonesia's GDP Other 26 BPDS Sustainable Portfolio Gratification Control (Collaboration with bank bjb's Market Shares of BPD 17.5% By Total Assets (Bank Only)* Rp 15.8 Tr KPK since March, 2011) SNI ISO 37001 (Anti-Bribery Management System/SMAP) Potential Banking Synergy Among BPD Total Assets* Rp 933 Tr (8.5% Shares) Rank #5 Total Net Income* Rp 8.1 Tr MSME and Low Income Segment Empowerment Empowerment Program Financing Product Pesat bjb iSentra KUR 2023 Allocation *As of 31 July 2023, Bank Only mesra Rp 3 Tr (5.8% Shares) Rank #5 2Q-22 GRDP Growth +5.25% (West Java) +4.83% (Banten) Regional Budget (Budget 2023) Rp 217.6 Tr Population (June 2023) 62.3 Mn Good Formidable Captive Market in a Well-Established Ecosystem Closed-Loop Penetration in Government-Related Value Chain Transforming From Regional to Nationwide Coverage With Hybrid-Bank Business Model Civil Servant Loan in West Java & Banten ~54.4% Market Share (by Person) Other Banks 400 Pipeline Pensioners Loan of Pension Benefit Payment through BJBR ~44.9% Market Share (by Person) GRDP: Gross Regional Domestic Products DIGI Offline Channels bank bjb Distribution Network 14 Provinces bank bjb's Business Group/KUB (Ongoing) 3 Regional Bank's Online Channels Digi Mobile User June 2023 (YoY) +75.0% QRIS Merchant June 2023 (YoY) +46.6% FLPP 2023 Allocation 8.000 Houses Consistent Dividend Policy Backed By Stable Financial Metrics Supported by Resilient Business Model Dividend Per Share Financial Year 2022 Loan Growth YoY (Bank Only) +10.1% Rp 104,55 113.1 99.1 Consumer Mortgage Corporate +6.2% +15.5% +16.4% Commercial 103.0 +19.1% 95.7 Micro +12.6% FY 2020 FY 2021 3Q22 3Q23 2

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