#1CORPORATE PRESENTATION 2Q2023 PT Bank Pembangunan Daerah bank bjb Jawa Barat dan Banten, Tbk (Regional Development Bank of West Java and Banten/BJBR) Please kindly scan to access the materials#2Investment Proposition The Economic Potential of West Java & Banten Indonesia's 2nd Largest Economic Region (Combined) Other 32 Provinces 1Q-2023 Regional GDP of West Java & Banten Pioneer of Regional Development Bank (BPD) Synergy Indonesia's Largest Regional Development Bank The First Movers on bank bjb Sustainable Banking in Indonesia Strong Commitment to ESG Implementation Sustainable Portfolio Other 26 BPDs Gratification Control (Collaboration with SNI ISO 37001 Rp 15.1 Tr KPK since March, 2011) (Anti-Bribery Management System/SMAP) 16.8% of Indonesia's GDP 1Q-22 GRDP Growth 5.00% (West Java) 4.68% (Banten) Regional Budget (Budget 2023) Rp 217.6 Tr Population (June 2023) 62.3 Mn bank bjb's Market Shares of BPD 17.5% By Total Assets (Bank Only)* Potential Banking Synergy Among BPD (POJK 12/2021) Total Assets* Rp 922 Tr (8.4% Shares) Rank #5 Total Net Income* Rp 5.4 Tr MSME and Low Income Segment Empowerment Empowerment Program Financing Product Pesat bjb iSentra KUR 2023 Allocation *As of 30 April 2023, Bank Only mesra Rp 3 Tr (5.4% Shares) Rank #5 Formidable Captive Market in a Well-Established Ecosystem Government-Related Value Chain Transforming From Regional to Nationwide Coverage With Hybrid-Bank Business Model Civil Servant Loan in West Java & Banten ~56.0% Market Share (by Person) Other Banks 100 Pipeline Pensioners Loan of Pension Benefit Payment through BJBR ~45.3% Market Share (by Person) GRDP: Gross Regional Domestic Products DIGI FLPP 2023 Allocation 8.000 Houses Consistent Dividend Policy Backed By Stable Financial Metrics Supported by Resilient Business Model Dividen per Lembar Tahun Buku 2022 Pertumbuhan Kredit YoY (Bank Only) +9.8% Offline Channels bank bjb Distribution Network 14 Provinces Online Channels Digi Mobile User June 2023 (YoY) +75.0% bank bjb's Business Group/KUB (Ongoing) 2 Regional Bank's QRIS Merchant June 2023 (YoY) +46.6% Rp 104,55 95.7 99.1 113.1 Consumer Mortgage Corporate +5.6% +15.9% +14.5% Commercial 103.0 +25.7% Micro +10.4% TB 2020 TB 2021 1Q22 1Q23 2#3The Economic Potential of West Java & Banten Region Indonesia's 2nd Largest Economic Region (Combined) Indonesia +5.03% Economic Growth 1Q2023, BPS % Contribution to Indonesia's GDP 1Q2023, BPS West Java +5.00% Banten +4.68% Jakarta 16.9 West Java 12.8 Banten 4.0 East Java 14.3 Central Java 8.3 Others 43.7 West Java 50.0 Mn Banten 12.3 Mn West Java Source of Growth (%) By Expenditure 16.8 West Java & Banten Source of Economic Growth By Expenditure and Economic Sector, 1Q2023 - Source BPS GRDP Structure By Economic Sector (%) 62.3 Mn Banten Source of Growth (%) GRDP Structure By Expenditure By Economic Sector (%) Government Fund Household Consumption 2.76 Nett Export Gross Fixed 1.34 West Java Growth +5.00 Industry 42.5% Gross Fixed Growth +6.6% YoY Capital 1.75 Formation Trade 14.4% Growth +4.4% YoY Agriculture Nett Export 1.63 8.5% Growth +2.3% YoY Banten Growth +4.68 Construction Household 1.03 Capital Formation 0.69 0.21 8.3% Consumption Industry 30.2% Growth +4.1% YoY Trade 12.6% Growth +4.2% YoY Construction 11.8% Growth +1.6% YoY Transportation 10.3% Growth +0.03% YoY 0.28 Growth +19.4% YoY Others Other 26.3% Others Other 35.1% Expenditure Capital Expenditure Population June 2023, BPS (West Java alone is The most populous province) Government-Related Value Chain Captive Market for bank bjb Fiscal Year of 2023 Regional State Budget Rp217.6 Trillion bank bjb Indonesia 278.7 bn Tax & Retribution Revenue West Java & Banten (37 Local Government, 2 Provinces, 13 Cities, 22 Regents) Products & Services Expenditure Personnel Expenditure 3#4Pioneer of Regional Development Bank (BPD) Synergy Indonesia's Largest Regional Development Bank Regional Development Bank Financial Performance (27 BPD, SPI OJK as of 31 April 2023) Total Assets Rp922 Tr +4.2% YoY Total Deposits Rp733 Tr +3.4% YoY Total Loans Rp571 Tr +9.3% YoY Rp Trillion Market Share (%) Total Net Profits Rp5.4 Tr CAR 22.4% +9 bps YoY -15.2% YoY bank bjb Regional Development Bank Breakdown Based on Total Assets (Bank Only, 31 April 2023) 17,5% bank bjb (Biggest BPD In Indonesia) NPL 2.4% Others -28 bps YoY (22 Banks) 49.2% 9.5 9.2 8.7 8.7 8.8 8.2 8.4 5.4 NIM 884 922 709 733 522 571 5.1 4.3 5.3% 4M-22 4M-23 4M-22 4M-23 4M-22 4M-23 4M-22 4M-23 -43 bps YoY BPD's Total Assets Rp922 Tr Bank Kaltim 5.4% Bank Jatim 10.2% Bank Jateng 9.3% Bank DKI 8.4% POJK 12/2020 Banking Consolidation - BPD must have a Core Capital of a minimum Rp 3 Trillion before 31 December 2024. If this is not fulfilled, BPD could be downgraded to Rural Bank (BPR). - - The benefit for BPD to become members of Business Group (KUB) is that they only need Core Capital of Rp 1 Trillion and can conduct Banking Synergy in accordance with POJK 12/2021. Banking Synergy bank bjb Business & Infrastructure Synergy (Syndicated Loan, BI Fast, IT Infrastructure, Tax Payment, Sharing Expertise, etc) Bank Business Group Kelompok Usaha Bank (KUB) Financial Performances of BPD with Core Capital < 3 Tr, Exclude 1 BPD with Nett-Loss (1Q2023, Rp Tr) * On going process to become member of bank bjb's KUB No Bank Core Capital Total Assets Total Deposits Total Profits CAR ROE NPL NIM Loans (Rp Mn) (%) (%) (%) (%) 1 Bank Kalteng 2.4 13.4 2.5 8.7 113.9 38.5% 20.7% 1.5% 8.6% 2 Bank Kalsel 2.3 22.2 6.0 11.9 88.2 22.5% 15.6% 3.1% 5.2% 3 Bank Jambi 2.2 13.0 5.3 8.4 105.6 36.2% 19.3% 1.8% 6.6% 4 Bank NTT 2.1 16.8 6.5 11.8 29.3 22.6% 5.1% 3.4% 6.9% 5 Bank SulutGo 1.7 19.2 10.6 13.6 78.9 19.2% 18.8% 2.9% 7.5% 6 Bank Maluku Malut 1.6 9.9 4.0 5.2 49.2 36.8% 12.5% 2.8% 6.3% Good 7 Bank NTB Syariah 1.6 13.2 5.3 8.8 65.0 26.3% 16.7% 1.2% 5.7% 8 Bank Sultra* 1.4 11.5 2.7 8.5 96.4 29.8% 25.3% 1.1% 8.8% 9 Bank Sulteng 1.3 12.0 3.7 6.4 73.6 30.3% 23.4% 2.8% 5.9% 10 Bank Lampung 1.2 10.3 4.1 6.3 28.6 27.6% 9.1% 2.1% 5.4% 11 Bank Bengkulu* 1.2 8.7 4.2 6.3 44.4 25.9% 15.0% 1.2% 6.0% 4 Benefit - Dividend & Revenue Sharing as Fee Based Income - Big Data for Market Behavior Analysis#5Pioneer of Regional Development Bank (BPD) Synergy Bank Business Group (KUB) of bank bjb bank bjb's KUB Scheme The Difference Between bank bjb Syariah and BPD Majority & bank bjb Controlling Shareholders Syariah Ownership 99.24% Total Assets Rp 12.0 tr Total Financing Rp 8.0 tr KUB Progress Update Bank Bengkulu Rp 8.7 tr 3 bank bengkulu tangguh dan tumbuh Key Milestone Total Deposits Net Income Distribution Channel 11 Branch 47 Sub Branch 120 ATM 11 Jan 2022 Signing Memorandum of Understanding of KUB Signing Agreement regarding KUB Rp 24.9 bn 29 July 2022 - ROE 4.0% NI 5.1% NPF 4.2% FDR 90.8% Current Ownership Structure bank bjb Prov Bengkulu bank bjb 39.70 7.15 Others 53.15 لهيا Non-Majority & Joint-Controlling Shareholders Aiming for Second Largest Shareholders below existing Provincial Government. Joint-Controlling Shareholders with existing Provincial Government based on a Shareholders Agreement. BPD will continue to exist with its current identity and will not be merged into bank bjb. Other Subsidiary Companies (Non KUB) bjb bjb Sekuritas bank bij Sekuritas Ownership 78,94% BPR Intan Jabar Ownership 24,00% 29 Nov 2022 10 March 2023 23 June 2023 Next Step - Bank bjb will make a Capital Injection maximum Rp 250 bn to Bank Bengkulu. On the same day, bank bjb executed a Capital Injection Phase I amounted Rp 99.9 bn. Capital Injection Phase I approved by OJK - Bank bjb become Bank Bengkulu's Shareholders with 7.15% ownership. This transaction marks the first time BPD has ownership in another BPD, the first step of KUB between BPD. Granted Approval from EGMS Bank Bengkulu - Bank bjb to become a Controlling Shareholders of Bank Bengkulu, joint-control with Bengkulu Provincial Government based on Shareholders Agreement. Bank Bengkulu to become a member of bank bjb's KUB Capital Injection Phase II Bank bjb executed a Capital Injection Phase II amounted Rp 149.9 bn (subject to OJK approval). Currently, Bank bjb is seeking approval from the OJK of 1) Capital Injection Phase II; 2) Fit and Proper Test bank bjb as an additional Controlling Shareholder of Bank Bengkulu. If all approvals are granted, Bank Bengkulu will officially become a member of bank bjb's KUB. 5#6Transforming From Regional to Nationwide Coverage With Hybrid-Bank Business Model Strengthen Offline Channels 14 923 2 Enhancing Online Services DIGI Sy bark bjbar Digi Mobile as Omni Channels C Quarterly Transaction Value Digi Mobile and ATM, Rp Trillion Digi ATM Provinces Office Channels KUB Synergy (On Going) Supported By Solid IT Infrastructure 849,082 1,485,625 Jun-22 Jun-23 DigiMobile DigiCash Apps Digi Loan DigiSMS Apps bjb Cardless GRIS Next Step, Becoming "Smart Mobile Banking" Multiple Bank Source of Fund Onboarding Services 17.1 15.3 14.0 12.6 10.3 Merging DigiCash in Digi Mobile Open Banking Concept Artificial Intelligence 1.3 1Q20 A PLATFORM EQUINIX PARTNER PT DCI Indonesia Tier-IV Data Centre #1 in SEA Digi Mobile User June 2023 (YoY) +75.0% 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 (-) Alibaba Cloud Alibaba Cloud Anti D-DOS Online Security 960,433 655,320 Jun-22 Jun-23 QRIS Merchant June 2022 (YoY) 7,589 +46.6% bank bjb Quarterly Transaction Volume Digi Mobile and ATM, in Million 16.7 7.1 ⚫Digi ATM 42.9 54.6 15.1 13.9 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 2021 3Q21 4Q21 1Q22 2Q22 2022 3Q22 4Q22 1Q23 aws Amazon Web Services Advisory, Sandboxing, People Capacity 15,765 Agent bjb BiSA / Branchless Banking Agent June 2022 (YOY) +107.7% June-22 June-23 6 2Q23#7Commitment for ESG Implementation Sustainable Banking Sustainable Portfolio Rp. 15,1 Trillion bank bjb Infrastructure Financing & Government Collaboration bjb INDAH Financing for infrastructure projects, government-related procurement and government deficit cash flow. MSME Business Activity 28.76% Eco Friendly Transportation 16.07% Other Environmentally Bussiness Activity 45.55% Financing for Residential Construction Natural Resources Management & Sustainable Land Use 0.98% Pollution Prevention and Control 8.39% Financing for Waste Factory Management System Into Electrical Energy Sustainable Water & Waste Water Management 0.11% Land and Water Biodiversity Conservation 0.11% Financing for Palm Oil with PHPO Certification Financing for Fertilizer Industry Financing for clean water distribution and supply Commercial Segment PLTM Cikaengan Corporate Segment Cipali Toll Tegal Gede Overpass Awipari Public Market Others Cikampek Elevated Toll Several Regional Government □ Others mesra bjb MESRA Ultra-micro financing based on worship place, joint- responsibility in a group of 5-10 members, maximum loan limit of Rp 5 million, 6-12 month of tenor and zero interest rate. During loan period, bank bjb will provide assistance with "bjb PESAT" program to increase their business capacities and competencies. Achievement: 15.096 Person in 1.259 house of worship, 1.389 village (West Java, Banten, Jakarta. North Sumatra & Bali) bjb KPR Green Bersama kami tanam Satu Pohon Satu Rumah "Hijau Hanianhu, Hijau Bumiku" Green is My Hume Green is My Farth bank bjb bjb Green bjb "Green" Mortgage "One House One Tree" program, which plants a minimum of one new tree every time a bjb "Green" Mortgage is disbursed. 7#8Commitment for ESG Implementation Sustainable Operation Digital Village 2.0 Program bjb BISA! One Pesantren One Product petani milenial Support digitalization in a number of administrative processes and financial services in the Village Administration, such Bumdes Current Account, bjb Pesat, QRIS, bjb BISA, Petani Milenial, Loan and DPLK. 15.765 agent bjb BiSA 655 Farmer of Petani Milenial 16 Digital Village CSR Program "Tree Planting" as Empowering MSME's bjb PESAT Pesat (Pemberdayaan Ekonomi Masyarakat Terpadu) Business Capacity Go Digital New Entrepreneur Empowering MSME's (bank bjb debtor's or local community) to increase their business capacity, enhance their digital marketing and create new entrepreneur, by providing assistance in their business activity or through training/seminar. Paperless Movement GO GREEN! GO PAPERLESS !! bank bjb Developing systems that can eliminate or reduce paper use by digitalization business process, such as: SP2D Online, E-Samsat, Loan E-Form, bjb Knowledge Management System (KMS), bjb Virtual Office. Emission Mangrove seeds 30.000 programs Corporate Responsibility reduction through Social (CSR) Trees Planting 1.000 program, "tree planting", that have been carried out since 2019. HC Forum, HC Event, HC Journey 1. Winner 2 Winner - HC Event Kick Off Bank Simulation Competition by Lembaga Pengembangan Perbankan Indonesia (LPPI) 2. HC Forum "Financial Literasi ala Nabi" with Brili Agung (Founder Semesta Agro Indonesia) 3. HC Event Appreciation Night LPPI Human Capital BPD Conference - 4. HC Event Legacy Award & Timeless Engagement Sustainable Governance SNI ISO 37001 Anti Bribery Management System (SMAP) Whistle Blowing System (bjb WBS) Gratification Control Unit Fraud Detection System (FDS) 8#92Q2023 Performance bank bjb Consolidated 6#10Key Takeaways Improving Quarterly Performance, but Challenges Still Remain Net Interest Income in 2Q23 has already grown positively by +3.4% QoQ, driven by the benign growth of Interest Expense at +0.3% QoQ. Boosted by Fee Based Income growth at +6.6% QoQ and Operating Expense efficiency at -9.6% QoQ, Net Income managed to grow by +48.2% QoQ, reaching Rp 543 billion, although not yet reached the average 2022's Quarterly Net Income of Rp 561 billion. As long as there are no significant changes in the benchmark rate, the performance in 2Q23 marks a good start for performance recovery in the following quarters. Quarterly Net Income Rp Billion 593 605 585 462 543 3,490 3,427 Quarterly Interest Income Rp Billion +1.8% QoQ 362 386 1Q23 2Q23 1Q23 2Q23 366 1,728 1,734 1,579 Quarterly 1,428 Interest Expense Rp Billion 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 1Q23 2Q23 bank bjb Quarterly Fee Based Income Rp Billion +6.6% QoQ +0.3% QoQ 1Q23 2Q23 Quarterly Operating Expense Rp Billion -9.6% QoQ One Step Closer for The First BPD's KUB High-Yield Segment Continues to Expand Consumer Loans with a loan yield of 12.2% managed to grow +5.6% YoY, with NPLs close to zero. The growth driver is driven by Multipurpose Loan provided to Civil Servants which grew 4.78% YoY, Pre- Pensioners Loan which grew +3,67% YoY and Pensioners Loan which grew +12.37% YoY. Lagging Impact from Loan-Rate Repricing Based on its common practices, Consumer Segment uses a Fixed Rate, so loan repricing cannot be done instantly like a Floating Rate. Repricing is driven through new bookings, which takes time to have a visible impact on financial performance. The effects expected to be seen at least in 4Q23. 2023's Guidance Adjusted In current high-interest regime, bank bjb reduces its expansion rate in the low-yield segment while managing cost of fund by optimizing LDR. We adjust the guidance for loan growth to 10%±1% and LDR to <92%. Moreover, considering loan quality is well maintained, we are also adjusting Coverage Ratio to 110%-120%. In June 2023, bank bjb executed a Capital Injection Phase II amounted Rp 149.9 bn. Bank bjb now seeking approval from the OJK for Capital Injection Phase II as well as Fit and Proper Test to become additional Controlling Shareholder. If granted, Bank Bengkulu will officially become a member of bank bjb's KUB. 10#11Financial Performance 2Q2023 Result Summary Income Statement • Net Interest Income at Rp 3.46 tr (-15.7% YoY) PPOP at Rp 1.31 bn (-23.1% YoY) • LLP at Rp 190 bn (-2.1% YoY) • Net Income at Rp 909 bn (-24.1% YoY) Balance Sheet . • Total Loans at Rp 113.2 tr (+9.5% YoY) • • • Total Financing at Rp 8.0 tr (+17.4% YoY) Total Deposits at Rp 129.1 tr (-3.1% YoY) Total Asset at Rp 177.7 tr (+3.1% YoY) NIM at 4.8% (-90 bps YoY) Ratios (bank only) • ROA (Net) at 1.1% (-42 bps YoY) • • ROE (Net) at 11.7% (-546 bps YoY) NPL (Gross) at 1.2% (-12 bps YoY) bank bjb 11#12Income Statement Consolidated bank bjb YoY Result Income Statement (Rp bn) QoQ Result YOY YOY (%) 1H22 (Rp bn) 1H23 2Q22 1Q23 2Q23 QoQ (%) YoY (%) Interest Income 6,518 6,917 +6.1% +399 3,326 3,427 3,490 +1.8% +4.9% Interest Expense 2,421 3,462 +43.0% +1,040 1,246 1,728 1,734 +0.3% +39.2% Net Interest Income 4,097 3,455 -15.7% (641) 2,080 1,699 1,756 +3.4% -15.6% Fee Based Income 741 747 +0.9% +6 369 362 386 +6.6% +4.5% Operating Expense 3,196 3,006 -5.9% (189) 1,662 1,579 1,428 -9.6% -14.1% Gain (Loss) on Financial Statement 55 109 +98.9% +54 17 70 40 -43.2% +130.6% PPOP 1,697 1,305 -23.1% (391) 804 552 754 +36.6% -6.3% Loan Loss Provision 194 190 -2.1% (4) 43 100 90 -10.2% +109.4% Non Operating Expense 10 12 +21.8% +2 7 5 7 +23.5% -1.2% PBT 1,493 1,103 -26.1% (389) 755 446 657 +47.3% -12.9% Tax Expense 295 195 -34.0% (100) 149 80 115 +43.2% -23.3% Net Income 1,198 909 -24.1% (289) 605 366 543 +48.2% -10.3% 12#13Balance Sheet Consolidated bank bjb Balance Sheet (Rp bn) YOY 2Q22 3Q22 4Q22 1Q23 2Q23 (%) Cash 2,641 2,475 3,300 2,944 2,883 +9.2% Current Account with Bank Indonesia 9,702 11,855 13,033 10,998 8,947 -7.8% Secondary Reserves 43,334 35,588 41,876 37,347 36,425 -15.9% Loans & Financing 110,242 113,406 115,756 116,449 121,282 +10.0% Allowance (-) Fixed Asset (Net) Other Asset (1,920) (1,923) (1,792) (1,831) (1,880) -2.1% 4,561 4,523 4,563 4,617 4,678 +2.6% 3,814 4,283 4,505 5,338 5,359 +40.5% Total Asset 172,373 170,207 181,241 175,862 177,694 +3.1% Total Third Party Fund 133,226 125,025 131,139 129,795 129,080 -3.1% Marketable Securities Issued 6,390 6,391 5,551 5,552 5,553 -13.1% Fund Borrowings 15,917 19,895 22,046 17,203 17,938 +12.7% Repo 0 1,330 3,081 461 2,942 Others Total Liabilities Total Equity 3,251 3,602 4,665 7,635 7,279 +123.9% 158,784 156,244 166,482 160,645 162,791 +2.5% 13,589 13,963 14,759 15,217 14,904 +9.7% 13#14Key Ratios bank bjb Bank Only Key Ratios (%) 2Q22 3Q22 4Q22 1Q23 2Q23 YOY Return on Assets/ROA (Net) 1.5 1.5 1.4 0.9 1.1 -0.4 Return on Equity/ROE (Net) 17.1 16.9 15.5 9.2 11.7 -5.5 Cost to Income Ratio/CIR 66.2 66.8 70.0 75.4 71.0 +4.8 Profitability Expenses Ratio/BOPO 78.4 78.7 80.4 87.8 85.0 +6.6 Net Interest Margin/NIM Assets Yield 5.7 5.8 5.9 4.8 4.8 -0.9 8.7 8.8 9.0 9.0 9.0 +0.4 Cost of Fund/COF 3.0 3.0 3.2 4.3 4.3 +1.3 Special Mention Ratio 2.2 2.1 1.9 2.3 2.4 +0.3 Non-Performing Loan/NPL (Gross) 1.1 1.1 1.2 1.2 1.2 +0.1 Asset Quality Non-Performing Loan/NPL (Nett) 0.3 0.4 0.5 0.5 0.6 +0.3 Loan At Risk/LAR 6.7 6.4 6.1 6.4 6.4 -0.3 Coverage Ratio 152.9 148.9 124.3 121.9 119.1 -33.8 Cost of Credit/COC 0.5 0.3 0.1 0.1 0.1 -0.3 Loan To Deposit Ratio/LDR 80.2 88.2 85.0 86.0 90.4 +10.2 Macroprudential Intermediation Ratio/RIM 79.3 87.1 84.5 85.7 90.2 +10.9 Funding, Macroprudential Inclusive Liquidity & Capital 57.6 60.4 62.0 61.8 61.4 +3.8 Financing Ratio/RPIM Net Stable Funding Ratio/NSFR 107.3 100.9 104.8 102.5 100.9 -6.4 Liquidity Coverage Ratio/LCR 261.6 207.9 206.7 207.2 198.1 -63.6 Capital Adequacy Ratio/CAR 18.0 17.7 19.2 21.1 20.1 +2.0 14#15Yield Analysis Bank Only Cost of Fund Breakdown Trend 6.8 1.7 bank bjb Asset Yield (%) 2Q22 3Q22 4Q22 1Q23 2Q23 7DRR Placement to Bl 2.5 2.8 3.0 6.6 6.2 Cost of Fund Current Account Interbank Placement 1.0 0.9 1.0 1.1 1.2 6.9 Savings Account 6.7 6.5 Securities 4.5 4.6 5.2 5.1 5.3 Time Deposit Loans Yield 10.9 10.8 10.8 10.4 10.4 Asset Yield Distribution 18.6% 76.2% 1.5%1.8% 5.2 5.2 2.8%0.9% 4.9 4.7 4.5 4.2 Cost of Fund (%) 2Q22 3Q22 4Q22 1Q23 2Q23 Current Account 1.7 1.7 1.7 1.5 1.5 3.5 Savings Account 3.1 3.2 3.5 5.2 5.2 3.2 3.1 3.11 Time Deposit 1.0 1.0 1.0 1.1 1.1 Customers Deposit 2.4 2.5 2.6 3.6 3.6 1.9 1.8 1.8 Loans received 4.7 4.6 4.7 6.7 7.2 1.7 1.7 1.7 1.7 1.7 1.7 1.7 1.6 1.5 1.5 1.4 1.3 Interbank Liabilities 2.1 1.9 2.0 4.3 4.7 1.1 1.1 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 Debt Securities Issued 8.9 8.6 8.8 8.6 8.2 Cost of Fund 3.0 3.0 3.2 4.3 4.3 Cost of Fund 19.7% 16.8% 48.1% 11.5% 3.9% Distribution 15#16Guidance Bank Only Loans Growth (%) 2Q22 3Q22 4Q22 1Q23 2Q23 12.9 11.6 13.1 10.3 9.8 bank bjb 2023 Guidance 10.0 ± 1.0 Revised From 12.0 ± 1.0 Loan to Deposit Ratio 80.2 88.2 85.0 86.0 90.4 ≤ 92.0 Revised From ≤ 90.0 NIM Cost of Fund 5.7 5.8 5.9 4.8 4.8 4.75 ± 0.25 3.0 3.0 3.2 4.3 4.3 4.5 ± 0.25 Coverage Ratio 152.9 148.9 124.3 121.9 119.1 110-120 Revised From 120 - 130 Gross NPL CASA Ratio 1.1 1.1 1.2 1.2 1.2 46.7 48.7 42.1 45.0 43.2 1.2 ± 0.1 40 ± 5 In current high-interest regime, bank bjb reduces its expansion rate in the low-yield segment while managing cost of fund by optimizing LDR. We adjust the guidance for loan growth to 10.0% ± 1.0% and LDR to ≤92%. Moreover, considering loan quality is well maintained, we are also adjusting Coverage Ratio to 110%-120%. 16#172Q2023 Performance bank bjb Bank Only Details 17#18Loans Segmentation Consumptive & Productive Segment Consumptive Segment CONSUMER LOAN Hired 25-30 yo Active Period Multipurpose Loan Multipurposes Loan 10 Years Before Retirement bank bjb Retired ~ 60 yo Retirement Period Max Age 75 yo Market Penetration Pensioners Loan Number of Civil Servant in West Java & Banten (Permanent & Contract/PPPK) (Person, ASN Statistics from BKN) Number of Pensioners Whose Their Pension Benefit Disbursed Through BJBR (Person, Internal Data) Pre-Pensioners Loan Pre-Pensioners Loan 95.5 Pensioners Loan Permanent Dec 22 441,289 Contract/PPPK 65,152 Jun 23 100 Jun 22 445,403 64,417 Mar 23 Max 90% from Salary Max 70% from Pension Benefit Market Share ~56,0% 15 Years % Portion of Direct Deduction from Payroll DSR Max Tenor (End of Employment) 79.7 Max 90% from Salary 25 Years for Civil Servant 20 Years 15 Years for Non-Civil Servant (Permanent ASN, Dec 2022) 145,614 142,913 Penetration Rate ~45,3% (Pensioners That Have a Loan From BJBR) MORTGAGE Regular Program Primary Construction Take Over Refinancing Government Program FLPP 2023 Allocation 8.000 NoA Productive Segment Rp 5 mn Potential Disbursement Per NoA ~Rp 125-150 Mn MICRO LOAN Rp 5 bn COMMERCIAL LOAN Rp 100 bn (LLL) CORPORATE LOAN Legal Lending Limit Government Program Regular Program Linkage Working Capital Investment 2023 Allocation Mesra KUR Rp 3,0 Tr Micro SME Rural Banks Infrastructure Loan Contract-Based Working Capital Empowerment Program bjb PESAT Business Capacity New Entrepreneurs Go Digital Anchor Client Government Syndication Regional Government Loan SOE Company and other productive loan Top Tier Company Pesat 18#19Loans Breakdown Loans Outstanding bank bjb Consumer 120Rp Tr) Mortgage Corporate Commercial Micro % SML % NPL (%)5 Segment (Rp bn) 2Q22 2Q23 YoY (%) 7.2 6.6 7.0 6.8 100 6.0 6.0 80 5.8 6.7 10.6 60 7.2 87 2 8.2 7.5 11.9 12.3 7.6 7.8 053 6222 6.2 7.0 88 6.5 10.4 8.3 9.6 10.1 9.4 4 Consumer 63,375 66,898 +5.6% Consumptive 16.4 16.4 16.5 16.5 18.8 14.4 Segment 8.1 8.5 8.9 9.2 9.4 9.8 3 Mortgage 8,461 9,807 +15.9% 60 2 Corporate 16,435 18,818 +14.5% 40 60.8 61.1 61.9 62.6 63.4 64.4 65.2 66.2 66.9 1 20 20 Productive Segment Commercial 8,266 10,395 +25.7% Micro 6,483 7,158 +10.4% 0 0 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 Total Gross Loans 103,021 113,076 +9.8% Consumer Mortgage Corporate Commercial ■Micro 100% 6% 9% 8% 6% 6% 6% 6% 6% 6% 6% 8% 9% 9% 9% 9% 80% T Asset Quality (%) 2Q22 2Q23 YoY (%) 12% 13% 13% 15% 16% 16% 15% 15% 17% 8% 8% 8% 8% 8% 8% 9% 9% 9% 60% 40% 67% 64% 65% 64% 62% 61% 60% 61% 59% 20% 0% 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 Special Mention 2.2 2.4 +0.2 NPL 1.1 1.2 +0.1 ך Economic Sectors (Business Segment 2Q23) Trade 26.6% Construction 20.8% Financial 18.5% Industry 15.4% Other 18.7% Currency (Rp bn) 2Q22 2Q23 YoY (%) IDR 101,917 111,890 +9.8% Forex 1,104 1,185 +7.4% 19#20Loans Movement Loans Disbursement, Run Off & Write Off Loan Movement (Rp bn, YoY) 2Q22-2Q23 Write Off Breakdown Micro; 2,532 Consumer Corporate & Commercial; 19,732 Mortgage; 2,361 36,304 Corporate & Commercial Micro ■Mortgage 15.9% 22.1% Loan Movement (Rp bn, QoQ) 1Q23 - 2Q23 31.1% 30.8% Micro; 1,265 Corporate & Commercial; 9,155 Consumer; 22,017 284 103,021 Total; 46,642 113,076 108,370 6,824 Mortgage; 632 Consumer; 5,159 Total; 13,881 Write Off Breakdown Consumer Corporate & Commercial 38.9% 21 1.1 7.3% bank bjb Micro Mortgage 52.8% 113,076 2Q22 Disbursement Installment Write Off 2Q23 1Q23 Disbursement Installment Write Off 2Q23 20#21Consumer Loans Bank Only bank bjb Multipurposes Pre-Pensioners Pensioners % SML % NPL YOY Key Indicators 2Q22 2Q23 (Rp Tr) (%) (%) 70 5 Loans Outstanding 63,375 66,898 +5.6% (Rp bn) 9.0 9.2 60 8.5 8.8 8.2 7.0 7.3 7.6 7.9 Net Expansion 4 1,459 1,735 +19.0% YtD (Rp bn) 11.9 12.0 50 10.9 11.2 11.3 11.5 11.5 11.6 11.6 Avg. Loans Outstanding 120 118 -2.3% (Rp mn) 3 40 No of Account 526,718 568,841 +8.0% 30 42.9 42.6 43.0 43.2 43.6 44.3 44.7 45.3 45.7 20 10 Loan Yield (%) 12.6 12.2 -0.4 2 YOY Asset Quality 2Q22 2Q23 (%) 1 Special Mention 1.2 0.9 -0.3 T 0 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 NPL 0.2 0.2 21#22(Rp Tr) 1RP 9 8 7 9 5 st 4 3 Mortgage Loans Bank Only bank bjb FLPP KPR Primary Others % SML % NPL YOY Key Indicators 2Q22 2Q23 (%) (%) 10 Loans Outstanding 9 8,461 9,807 +15.9% (Rp bn) 2.8 2.8 8 2.8 Net Expansion 2.8 689 597 -13.4% YtD (Rp bn) 2.8 7 2.8 2.8 Avg. Loans Outstanding 10 6 203 198 -2.1% 2.9 (Rp mn) 3.6 5 3.5 3.4 3.3 No of Account 41,749 49,412 +18.4% 3.2 3.2 2.9 3.1 2.8 3 Loan Yield (%) 8.5 7.9 -0.6 2 2 3.4 3.0 3.2 2.8 2.5 1 1.8 1.9 1.6 199 2.2 1 YOY Asset Quality 2Q22 2Q23 (%) T 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 Special Mention 7.2 7.5 +0.3 FLPP Disbursement (2Q23) 2023 FLPP Disbursement 3,704 NoA (46.3%) ~ Rp 545,4 bn 2023 Allocation 8.000 NoA NPL 2.7 2.8 +0.1 22#23Corporate Loans Bank Only bank bjb Corporate Loans % SML % NPL YOY Key Indicators 2Q22 2Q23 20RP (Rp Tr) (%) (%) 10 Loans Outstanding 18 9 16,435 18,818 +14.5% (Rp bn) 16 8 Net Expansion 4,182 2,298 -45.1% YtD (Rp bn) 14 7 Avg. Loans Outstanding 12 6 260,873 272,725 +4.5% (Rp mn) 10 5 18.8 No of Debtors 63 69 +9.5% 8 16.4 16.4 16.5 16.5 4 14.4 60 11.9 12.3 3 Loan Yield (%) 7.2 7.1 -0.1 10.6 4 2 2 0 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 1 Asset Quality YOY 2Q22 2Q23 (%) 0 4Q22 1Q23 2Q23 Special Mention 3.3 4.3 +1.0 Proportion Between SOE Related and Private Company (2Q23) SOE Related 67.3% Private Company 36.3% NPL 0.9 1.2 +0.3 23#244 2 12 (Rp Tr) 10 6 8 6.7 Commercial Loans Bank Only 8.2 7.5 bank bjb Commercial Loans % SML % NPL YOY Key Indicators 2Q22 2Q23 (%) (%) 15 Loans Outstanding 14 8,266 10,395 +25.7% (Rp bn) 13 Net Expansion 779 270 -65.4% 12 YtD (Rp bn) 11 Avg. Loans Outstanding 1,659 1,936 +16.7% 10 (Rp mn) 9 No of Account 4,983 5,368 +7.7% 8 7.0 7.0 8.3 7 10.4 Loan Yield (%) 7.6 7.4 -0.2 10.1 9.6 6 9.4 5 4 YOY Asset Quality 2Q22 2Q23 (%) 3 2 Special Mention 2.2 3.4 +1.2 1 0 T T T 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 NPL 6.1 5.5 -0.6 24#25Micro Loans Bank Only bank bjb Reguler Program Linkage % SML % NPL YOY Key Indicators 2Q22 2Q23 (Rp Tr) (%) (%) 5 Loans Outstanding 6,483 7,158 +10.4% 7 (Rp bn) Net Expansion 6. 468 183 -60.9% 5- 3.1 2.9 3.1 29 2.8 3.0 2.8 2.8 2.9 2.8 YtD (Rp bn) Avg. Loans Outstanding 3 106 61 -42.0% (Rp mn) 4 No of Account 61,317 116,675 +90.3% 3 3.0 2.8 2.8 2.4 2.7 2.2 2- 1.5 1.8 1.9 2 1 Loan Yield (%) 10.3 10.7 +0.4 1 YOY 1.3 1.2 1.2 1.2 1.2 1.1 1.2 1.2 1.3 Asset Quality 2Q22 2Q23 (%) 0 0 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 Special Mention 1.9 3.4 +1.5 KUR Disbursement (2Q23) 2023 KUR Disbursement Rp 920.9 Bn (30.70%) 2023 Allocation Rp 3.0 Tr NPL 1.8 2.1 +0.3 25#26Special Mention Loans Consumer Micro Corporate & Commercial Mortgage % SML • Total SML (Rp Tr) (%) 3,000 5 100% 2,760 2,500 2,682 2,608 2,536 2,508 574 2,250 578 2,223 560 2,113 2,038 668 2,000 608 618 470 871 927 1,500 542 956 656 109 135 1,000 68 93 33 728 759 791 732 4 80% 1,160 926 Consumer ■Micro Corporate & Commercial Mortgage bank bjb 22% 21% 22% 22% 27% 28% 27% 27% 27% 32% 31% 3 60% 36% 38% 32% 34% 37% 39% 42% 3% 4% 2 40% 5% 4% 6% 7% 6% 8% 9% 126 199 160 246 121 20% 42% 43% 1,128 500 968 919 927 789 686 714 584 621 37% 37% 35% 31% 29% 28% 23% 0 0% T T 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 26#27Non Performing Loans Consumer Micro Corporate & Commercial Mortgage % NPL • Total NPL (Rp Tr) (%) 1,600 5 100% 1,378 1,400 1,307 1,252 1,221 4 80% 1,197 1,188 271 1,166 1,200 1,135 1,135 256 236 275 259 237 232 227 233 1,000 800 3 60% 806 756 2 761 40% 600 721 688 711 676 653 650 400 1 20% ■Consumer ■Micro Corporate & Commercial ■Mortgage bank bjb 23% 22% 20% 20% 20% 21% 19% 20% 20% 58% 60% 58% 58% 57% 61% 58% 58% 59% 137 147 200 112 115 104 10% 10% 9% 10% 11% 11% 10% 11% 11% 135 121 125 131 13% 12% 13% 94 114 115 146 140 147 134 157 154 10% 10% 11% 12% 11% 8% 0 T T T 0% T 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 27#28Restructured Loans ■Consumer Micro Corporate & Commercial ■Mortgage bank bjb 22% 18% 18% 18% 18% 18% 17% 22% 23% 80% Consumer Micro Corporate & Commercial Mortgage % Loan . Restruct (Rp Tr) (%) 5,000 10 100% 4,625 4,655 4,602 4,668 4,484 4,551 4,500 788 854 844 825 812 801 3,878 4,000 3,851 8 3,801 60% 3,500 3,000 T T 847 848 869 40% 6 T 47% 49% 50% 61% 63% 64% 65% 66% 68% 20% 2,500 22% 21% 21% 2,814 2,921 2,947 16% 2,919 3,013 3,196 15% 14% 13% 13% 12% 1,840 2,000 1,899 9% 1,898 4 7% 7% 5% 4% 4% 4% 3% 3% 0% 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 1,500 Restructured Loan Composition Based On Covid and Non-Covid (2Q23) 2 Covid 60.5% Restructured Loan Composition Based On Economic Sector (2Q23) 1,000 861 821 781 735 692 500 653 604 587 557 Construction 330 283 253 27.5% 222 198 177 160 139 127 0 T 0 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 Trade 20.9% Household 17.6% Non-Covid 39.5% Industry 17.1% Others 16.9% 28#29Deposit Breakdown Bank Only bank bjb ■Current Account Saving Account ■Time Deposit (Rp Tr) 140 Deposits Breakdown (Rp bn) YOY 2Q22 2Q23 (%) 120 Current Account 34,025 28,022 -17.6% T 66.5 66.4 59.6 70.4 66.6 Saving Account 24,230 23,891 -1.4% 68.4 68.3 80 62.8 62.0 60 Time Deposit 66,477 68,358 +2.8% 60 100 24.2 23.1 22.6 23.8 23.9 40 21.4 24.7 26.5 22.3 TOTAL 124,732 120,271 -3.6% 20 25.0 27.7 31.6 34.0 33.5 30.6 26.0 24.8 28.0 CASA Ratio (%) 46.7 43.2 -3.5 0 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 ■Government ■ Corporate Retail 100% 32% 29% 32% 28% 29% 30% 32% 30% 30% Currency (Rp bn) YOY 2Q22 2Q23 (%) 80% 60% 38% 44% 45% 43% 39% 46% 45% IDR 122,385 118,908 -2.8% 40% 50% 53% 20% 29% 27% 27% 28% 30% 25% 25% 17% 15% Forex 2,347 1,363 -41.9% 0% 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 29#30Capital Adequacy bank bjb Risk Weighted 2Q22 2Q23 Asset (RWA) YoY (%) • Total RWA 89,841 84,171 -6.3% •Total Capital Rp 16.9 tr (+Rp 682 bn YoY) Total CAR at 20.1% (+202 bps YoY) Credit Risk 69,073 73,233 +6.0% Addition to Net Impact to CAR Analysis Risk Weighting Operational Risk 14,787 6,704 -54.7% RWA/ Rp1tr Net Expansion CAR (%) Market Risk 5,981 4,234 -29.2% Consumer Loans 50% Rp 500bn 0.12 RWA/Total Asset 55.1% 50.2% -4.9% tier-1 11,823 12,697 +7.4% Micro Loans 75% Rp 750bn 0.18 tier -2 4,379 4,186 -4.4% Total Capital 16,201 16,883 +4.2% Commercial Loans 100% Rp 1tr 0.24 Tier-1 CAR 13.2% 15.1% +1.9% Mortgage Loans 40% Rp 400bn 0.09 Total CAR 18.0% 20.1% +2.1% 30#31bank bjb 2Q2023 Performance Consumer Loan Details 31#3246 Multipurpose Loans Multipurposes % SML % NPL (Rp Tr) 45 44 43 42 43.2 43.0 42.9 42.6 43.6 44.3 44.7 45.3 45.7 bank bjb YOY Key Indicators 2Q22 2Q23 (%) (%) 5 Loans Outstanding 43,646 45,733 +4.8% Net Expansion 678 4 1,011 +49.1% YtD (Rp bn) Avg. Loans Outstanding 112 110 -2.1% (Rp mn) 3 No of Account 389,151 416,639 +7.1% 2 % Portion of Direct Deduction from Payroll 80.0 79.7 -0.3 Asset YOY 2Q22 2Q23 1 Quality (%) Special 1.4 1.1 -0.3 Mention 41 T NPL 0.2 0.3 +0.1 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 32#33Pre-Pensioner Loans bank bjb Pre-Pensioners % SML % NPL YOY Key Indicators 2Q22 2Q23 (%) (Rp Tr) (%) 13 5 Loans Outstanding 11,540 11,964 +3.7% 12.0 Net Expansion 12 11.9 217 4 325 +50.2% YtD (Rp bn) 11.6 11.5 11.5 11.6 11.3 Avg. Loans Outstanding 166 163 -1.7% 11.2 (Rp mn) 10.9 11 3 No of Account 69,423 73,241 +5.5% 10 9 8 2Q21 ד 2 % Portion of Direct Deduction from Payroll 95.2 95.5 +0.3 Asset YOY 2Q22 2Q23 Quality (%) 1 Special 1.0 0.6 -0.4 Mention NPL 0.2 0.2 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 33#34Pensioner Loans bank bjb Pensioners % SML % NPL YOY Key Indicators 2Q22 2Q23 (Rp Tr) (%) (%) 10 5 Loans Outstanding 8,189 9,201 +12.4% 9.2 9.0 8.8 Net Expansion 564 399 4 YtD (Rp bn) -29.3% 8.5 Avg. Loans Outstanding 120 117 -3.0% 8 8.2 7.9 7.6 (Rp mn) 3 No of Account 7 7.0 00 6 7.3 68,144 78,961 +15.9% 2 % Portion of Direct Deduction from Payroll 100.0 100.0 Asset YOY 2Q22 2Q23 Quality (%) Special 0.8 0.6 -0.2 Mention 5 NPL 0.2 0.2 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 34#35bank bjb 2Q2023 Performance bank bjb Sharia Performance Syariah 35#36Result Summary bank bjb Sharia · Income Statement Net Financing Income at Rp 275 bn (+4.6% YoY) • PPOP at Rp 67 bn (-9.8% YoY) • Net Income at Rp 25 bn (-46.9% YoY) • Balance Sheet • Ratios (bank only) • Total Financing at Rp 8.0 tr (+17.4% YoY) Total Deposits at Rp 8.7 tr (+6.2% YoY) Total Asset at Rp 12.0 tr (+10.0% YoY) NIM at 5.1% (-45 bps YoY) • ROA at 0.5% (-61 bps YoY) • ROE at 4.0% (-419 bps YoY) NPF Gross at 4.2% (+85 bps YoY) bank bjb Syariah 36#37Income Statement bank bjb Sharia Income Statement (Rp mn) YOY 2Q22 2Q23 (%) Financing Income 375,079 443,689 +18.3% Financing Expense 111,896 168,369 +50.5% Net Financing Income 263,183 275,320 +4.6% Other Operating Income 21,378 34,964 +63.6% Operating Expense 209,829 242,903 +15.8% PPOP 74,732 67,381 -9.8% 14,552 35,349 +142.9% Loan Loss Provision Non Operating Expense 158 161 +1.9% Income (loss) Before Tax 60,022 31,871 -46.9% Tax Expense 13,205 7,012 -46.9% Net Income (Loss) 46,817 24,859 -46.9% bank bjb Syariah 37#38Balance Sheet bank bjb Sharia BS highlight YOY 2Q22 2Q23 (Rp Mn) (%) Cash 60,669 49,295 -18.7% Current Account with Bank Indonesia 310,349 564,145 +81.8% Secondary Reserves 3,286,181 2,922,902 -11.1% Financing-net 6,722,132 7,870,196 +17.1% Fixed Asset-net 298,465 315,879 +5.8% Other Asset 257,792 310,533 +20.5% Total Asset 10,935,588 12,032,950 +10.0% Total Funding 8,236,410 8,748,077 +6.2% Fund Borrowings 471,557 550,465 +16.7% Others 950,964 1,370,637 +44.1% Total Liabilities 9,658,931 10,669,179 +10.5% Total Equity 1,276,657 1,363,771 +6.8% bank bjb Syariah 38#39Key Ratios bank bjb Sharia Sharia 2Q22 2Q23 YOY (%) CAR 22.1 20.3 -1.8 NPF Gross 3.3 4.2 +0.9 NPF Nett 1.8 2.4 +0.6 ROA 1.2 0.5 -0.6 ROE 8.2 4.0 -4.2 BOPO 84.8 93.3 +8.5 82.9 90.8 +7.9 FDR NIM 5.5 5.1 -0.5 bank bjb Syariah 39#40Financing and Funding Breakdown bank bjb Sharia Financing (Rp mn) YOY 2Q22 2Q23 (%) Murabahah 4,258,769 4,778,287 +12.2% Qardh 115,391 104,012 -9.9% Financing 2,479,397 3,161,594 +27.5% 657 545 -17.0% 6,854,214 8,044,438 +17.4% Istishna Total Gross Financing Funding YOY 2Q22 2Q23 (Rp mn) (%) Wadiah Current Account 89,155 104,628 +17.4% Wadiah Savings Account 485,730 695,479 +43.2% Mudharabah Current Account 985,226 825,292 -16.2% Mudharabah Savings Account 1,626,087 1,488,120 -8.5% Mudharabah Time Deposit 5,050,212 5,634,558 +11.6% Total Funding 8,236,410 8,748,077 +6.2% bank bjb Syariah 40 40#41Company Profile bank bjb bank bjb 41#42Management Board of Commissioners Diding Sakri Independent Commissioner Last Position Researcher, King's College London, United Kingdom (2016-2020) Muhadi Commissioner Last Position Commissioner of bank bjb (2015-2019) Board of Directors Farid Rahman Independent President Commissioner Last Position President Commissioner of Bank Woori Saudara s(2014-2019) Fahlino F. Sjuib Independent Commissioner Last Position Board Member EBCICON of Parahyangan University (2018-2019) Setiawan Wangsaatmaja Commissioner Last Position Regional Secretary of West Java Province Company (2020-now) bank bjb Tedi Setiawan Director of Operations Last Position SEVP Credit Risk of bank bjb (2018-2019) Rio Lanasier Director of IT, Treasury & International Banking Last Position Managing Director of Treasury, Institutional Banking & Funding Network of J Trust Bank (2015-2019) Nancy Adistyasari Director of Commercial & MSME Last Position SVP Commercial Banking of Bank Mandiri (2019-2020) Yuddy Renaldi President Director Last Position SEVP Remedial & Recovery of bank BNI (2017-2019) Suartini Director of Consumer & Retail Last Position Director of Commercial bank bjb (2014-2018) Nia Kania Director of Finance Last Position Director of Finance and Risk Management bank bjb (2019-2021) Cecep Trisna Director of Compliance Last Position Division Head of Compliance & AML bank bjb (2018- 2021) 42#43Network Distribution North Sumatera bank bengkulu tangguh dan tumbuh Ownership 7,15% Affiliate Company Potential Addition KUB Members Riau Lampung Banten Riau Island South Sumatera Jakarta West Java Central East Java Java Bali bank bjb East Kalimantan bjb Network 2Q22 2Q23 YOY BANKSULTRA Office Channels 924 923 -1 Branch 65 64 -1 Sub Branch 835 835 Maja Bersama LOI KUB Sept 2022 bjb Priority 18 18 South Kalimantan MSME Center 6 6 South Sulawesi Electronic Banking Terminal 1,828 1,889 +61 Distribution Network in 14 Provinces & Synergy with 2 Regional Banks (Ongoing) Deposits 60.4 Tr Loans 64.7 Tr Micro Loans 3.9 Tr 3,294,937 Customers 35 Branch Offices 633 Sub Branches 1,289 ATM Unit 5,503 Employees West Java Deposits 13.4 Tr Loans 14.8 Tr Micro Loans 675 bn 1,193,907 Customers 8 Branch Offices 120 Sub Branches 362 ATM Unit 768 Employees Banten Deposits 43.1 Tr Loans 22.1 Tr Micro Loans 968 bn 90,304 Customers 8 Branch Offices 44 Sub Branches 93 ATM Unit 541 Employees Jakarta Deposits 3.4Tr Loans 11.9 Tr Micro Loans 1.6 Tr 95,987 Customers 13 Branch Offices 38 Sub Branches 140 ATM Unit 515 Employees Others 43 33#44Human Capital Level 2Q22 2Q23 YOY Board of Commissioners Directors 3 5 +2 7 7 Age Breakdown By Person > 50 178 (2.4%) 40-50 733 (10.0%) bank bjb Top Management 34 31 -3 30-40 4,741 (64.7%) Senior Management 172 179 +7 18-30 1,675 (22.9%) Middle Management 656 639 -17 Gender Diversity By Percentage First Line Management 1,679 1,676 -3 Male 51.7% Female 48.3%% Staff 4,961 4,802 -159 Employee in Pension Preparation 2 -2 Total Permanent 7,504 7,327 -177 Total Non Permanent 1,032 1,068 +36 Human Capital Development Program bjb university= Bjb University becomes the Center of Learning Organization for the development of bank bjb's employees' potential and capabilities. Total 8,536 8,395 -141 44#45IPO July 8th, 2010 Price 600 MCap Rp5,8 Tr BV Rp4,8 Tr Ownership 07-10 Shares and Ratings Information Shares Outstanding shares as of 31 December 2022: 10,521,443,686 shares Shares-Related Corporate Action Right Issue I (March 2022): 682,656,525 Series B Shares Private Placement I (December 2018): 142,495,995 Series A Shares 10-10 01-11 04-11- 07-11 10-11 01-12 04-12 JCI BJBR 07-12- 10-12 -EL-LO 04-13 07-13- 10-13- 01-14 04-14- 07-14 10-14- 01-15 04-15- 07-15 10-15 01-16- 04-16- -91-201 10-16 2Q22 2Q23 Regional Government 75.55 75.55 Public 2Q22 2Q23 24.45 2022 24.45 West Java Provincial Government 38.52 38.52 Local Retail 7.20 8.60 2021 99.11 Banten Provincial Government 4.95 4.95 Local Institution 11.20 10.87 West Java Municipal Governments 24.15 24.15 Foreign Retail 0.01 0.02 2020 95.74 Banten Municipal Governments 7.93 7.93 Foreign Institution 6.04 4.96 01-17 04-17 07-17 10-17 01-18- 04-18- 07-18 10-18 01-19 04-19- 07-19- 10-19 01-20 04-20- 07-20 10-20 01-21 04-21 07-21 10-21 01-22 04-22 07-22 10-22 01-23 04-23 Dividend per Share Ratings June 30th, 2023 Price 1.180 MCap Rp12,4 Tr BV Rp14.9 Tr 104.55 Pefindo Corporate Rating idAA/Stable Fitch Ratings Indonesia National Long Term Rating A+ (idn)/Stable 45 bank bjb#462023 Awards infobank 9 A Sisentia infobank bank bjb The Best Conventinoal Bank (KBMI 2) Corporate Brand Infobank The Iconomics INDONESIA INNOVATION AWARDS 2023 This Award is Presented to bank bjb PT BPD Jawa Barat dan Banten Tok INNOVATION AWARD Brow bank bjb EXCELLENT POST GOLDEN AWARDS INVESTOR DAILY AWARDS BestBANK 2025 infobank MRI bank bjb EXCELLENT PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN TEK BANK PEMBANGUNAN DAERAH TERBAIK 2023 KDMI (MCOAL INT RPT-RP 4 T bank bjb PT BANK PEMBANGUNAN DAERAH JAMA BARAT DAN BANTEN TH THE BEST PRIORITY BANKING IN SERVICE EXCELLENCE CONVENTIONAL BANK 32 2023 Ex FR Sp Inbank Media Group Harry Pepito President D Marketing Reach Indonesia infobank SO bank bjb isentía infobank TOP BUMD 2023 Infobank Golden Awards TOP BUMD 2023 Infobank Best Bank 2023 Majalah Investor The 1 Best Convinient Branch Experience Infobank The Best Time Deposit Conventional Bank Infobank AWARDS BANK L Indonesia Innovation Award 2023 The Iconomics Detikjabar Award 2023 Bank for MSME Detik.com infobank bank bjb infobank isentia infobank isentia bank bjb A infobank isentia The Best KPR Conventional Bank - bjb KPR Infobank The Best Mobile Banking Conventional Bank - DIGI by bank bjb Infobank The Best Saving Account Conventional Bank Infobank bank bjb bankbjb bank bjb isentia The Best Internet Banking Conventinoal Bank for DIGI Net Infobank MRI infobank bank bjb PT RANK PENRANGENAN BAERAH JAWA BARAT DAN BANTEN TA THE BEST-CONVENIENT BRANCH EXPERIENCE IN PRIORITY SERVICE CONVENTIONAL BANK PT BANK PEMBANGUNAN DAERAH BARAT DAN BANTEN T THE BEST PRIORITY STAFF CONVENTIONAL BANK Be Bupat State MRI Harry Po Preidet Diectar Editor Chief Narking Remark Indonesia Webok Medie Grap Moristing Research Indone The 1 Best Priority Banking Infobank The 1 Best Priority Staff Infobank 46#47PT Bank Pembangunan Daerah Jawa Barat bank bjb dan Banten, Tbk Disclaimer: This report has been prepared by PT Bank Pembangunan Daerah Jawa Barat & Banten, Tbk. (bank bjb) independently and is circulated for the purpose of general information only. It is not intended for the specific person who may receive this report. The information in this report has been obtained from sources which we deem reliable. No warranty (expressed or implied) is made as to the accuracy or completeness of the information. All opinions and estimations included in this report constitute our judgment as of this date and are subject to change without prior notice. We disclaim any responsibility or liability without prior notice of bank bjb and/or their respective employees and/or agents whatsoever arising which may be brought against or suffered by any person as a result of acting in reliance upon the whole or any part of the contents of this report, and neither bank bjb and/or its affiliated companies and/or their respective employees and/or agents accept liability for any errors, omissions, negligent or otherwise, in this report and any inaccuracy herein or omission herefrom which might otherwise arise. CONTACT INFORMATION Investor Relations (IR) Menara bank bjb 7th Floor JI. Naripan 12 - 14, Bandung 40111 Phone: +622 4234868 Email: [email protected]