bank bjb Financial Performance Review

Guidance Bank Only Loans Growth bank bjb (%) 1Q22 2Q22 3Q22 4Q22 1Q23 2023 Guidance 8.2 12.9 11.6 13.1 10.3 12.0 ± 1.0 Loan to Deposit Ratio 79.2 80.2 88.2 85.0 86.0 ≤ 90.0 NIM Cost of Fund 5.7 5.7 5.8 5.9 4.8 4.75 ± 0.25 3.0 3.0 3.0 3.2 4.3 4.5 ± 0.25 Coverage Ratio 157.1 152.9 148.9 124.3 121.9 125 ± 5 Gross NPL 1.2 1.1 1.1 1.2 1.2 1.2 ± 0.1 CASA Ratio 44.9 46.7 48.7 42.1 45.0 40 ± 5 16

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