Quarterly Financial Overview

Micro Loans Bank Only bank bjb Reguler Program Linkage % SML % NPL YOY Key Indicators 3Q22 3Q23 SRP (Rp Tr) (%) (%) 5 Loans Outstanding 6,608 7,441 +12.6 7 (Rp bn) 4 Net Expansion 2.7 6 593 466 -21.38% 2.8 YtD (Rp bn) 3.0 2.8 2.8 5 2.9 Avg. Loans Outstanding 2.8 3 69 40 -41.4% 3.1 2.9 (Direct Loan, Rp mn) 4 No of Debtors 54,849 117,060 +113.4 (Direct Loan) 2 3.2 3 3.0 2.8 2.8 2.4 2.7 Loan Yield (%) 10.7 10.8 +0.1% 2.2 2 1.8 1.9 1 1 1.5 1.2 1.2 1.2 1.2 1.1 1.2 1.2 1.3 YOY Asset Quality 3Q22 3Q23 (%) 0 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 Special Mention 2.4 3.6 +1.2% KUR Disbursement (9M23) 2023 KUR Disbursement Rp 1.53 Tr (51.0%) 2023 Allocation Rp 3.0 Tr NPL 1.6 2.3 +0.7% 25

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