Investor Presentaiton

Key Ratios bank bjb Sharia Sharia 3Q22 3Q23 YOY (%) CAR 22.4 20.8 -1.6 NPF Gross 3.2 3.7 +0.5 NPF Nett 1.7 1.9 +0.2 ROA 1.0 0.6 -0.4 ROE 6.9 4.5 -2.3 BOPO 87.3 92.6 +5.3 FDR 85.2 91.5 +6.3 NIM 5.6 5.1 -0.5 bank bjb Syariah 39

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