Bigger, Stronger, Better bank bjb 3Q13 Analyst Meeting

Bigger, Stronger, Better bank bjb 3Q13 Analyst Meeting

Table of Content Pg. 5 Pg. 10 Pg. 15 Pg. 16 Pg. 19 Pg. 23 Pg. 31 Pg. 37 Result Summary Loans Breakdown Deposit Breakdown Asset Quality Yield Analysis Micro Loans Performance Subsidiaries Performance Company Profile 2

USD IDR Yield Index (points) Macroeconomic Bank Indonesia Rate Increased 150 bps To 7.25% GDP Growth BI Rate 12 10 8 6 4 2 0 Downturn Trends Consumer Confident Consumer Confidence Index 130 120 110 100 90 80 70 60 Source: Bloomberg Higher Inflation on New Subsidized Fuel Price 16 14 12 10 8 6 4 2 0 CPI 1mth JIBOR Source: Bloomberg Global Influence on Weaker Bond Market and IDR 13000 12000 11000 10000 9000 8000 7000 6000 USDIDR 10Yr Govt Bond 25 20 15 10 5 0 Source: Bloomberg Source: Bloomberg 3

YoY Growth YoY Growth Banking Sector 40.0 35.0 30.0 Loans Growth Deposit Growth As of Jul 13, banking sector data shows: Loans +22.9%YoY to Rp 3,046tr (Investment loans 25.0 20.0 15.0 10.0 5.0 - +33.5% YoY, working capital +18.7%, consumer loans +20.0%) Deposit +14.6% YoY to Rp 3,393tr (CASA +15.2% YoY, Time Deposit +7% YoY, CASA Ratio 56%) NPL -32bps YoY to 1.87% ROA -13bps YoY to 3.0% Source: Bank Indonesia 60.0 50.0 Investment Loans WC Loans Consumer Loans Jul 12 Jul 13 YoY Total Loans 2,478 3,046 22.9 40.0 30.0 Total Deposit 2,961 3,393 14.6 20.0 10.0 - LDR 83.6 89.7 +6.1 NPL 2.19 1.87-0.32 ROA 3.13 3.0-0.13 Source: Bank Indonesia 4

Result Summary Income Statement Net Interest Income at Rp 3.6tr (+27.7% YoY/ -5.0% QoQ) PPOP at Rp 1.7tr (+19.5% YoY/ -6.0% QoQ) LLP at Rp 373bn (+38.6% YoY/ +2.6% QoQ) Net Income at Rp 1.1tr (+15.9% YoY/ -7.1% QoQ) Balance Sheet Total Loans at Rp 44.1tr (+34.4% YoY/ +5.3% QoQ) Total Financing at Rp 3.7tr (+52.2% YoY/ +9.9% QoQ) Total Deposit at Rp 56.6tr (+7.3% YoY/ +2.7% QoQ) Total Asset at Rp 75.9tr (+12.0% YoY/ +3.3% QoQ) Ratios (bank only) NIM at 8.0% (+93bps YoY/ -11bps QoQ) ROA (Net) at 2.2% (+2bps YoY/ -7bps QoQ) ROE (Net) at 23.5% (+38bps YoY/ -82bps QoQ) NPL (Gross) at 2.5% (+77bps YoY/ +16bps QoQ) 5

Target vs. Realization Target 1Q13 2Q13 3Q13 Loans (net) Growth 25% - 28% 36.0 33.7 34.3 Deposit Growth 18% - 22% -5.1 10.6 7.3 ROA (net) 1.8% - 2.0% 2.4 2.2 2.2 ROE (net) 20% - 22% 24.2 24.3 23.5 NIM 6.8% - 7.2% 8.2 8.2 8.0 Cost of Fund 5.0% - 5.5% 4.6 4.6 4.8 Cost to Income Ratio 51% - 54% 55.0 54.7 55.6 Gross NPL 1.5% - 2.0% 2.1 2.3 2.5 Credit Cost 1.0% - 1.4% 1.2 1.3 1.2 CASA Ratio 40% - 45% 50.0 48.5 49.3 6

Key Ratios (bank only) Key Ratios 3Q12 4Q12 1Q13 2Q13 3Q13 Profitability ROA (net) 2.1 1.9 2.4 2.2 2.2 ROE (net) 23.1 21.3 24.2 24.3 23.5 Cost Ratios Cost to Income Ratio 52.3 56.5 55.0 54.7 55.6 Expense Ratio 76.8 80.0 74.4 75.9 77.0 Yield Asset Yield 12.5 12.0 12.8 12.7 12.8 Cost of Fund 5.3 5.2 4.6 4.6 4.8 NIM 7.1 6.8 8.2 8.2 8.0 LDR 65.0 74.1 83.2 80.8 82.2 Asset Quality Special Mention Loans 3.6 3.0 3.9 3.9 3.8 Gross NPL 1.7 2.1 2.1 2.3 2.5 Net NPL 0.5 0.5 0.7 0.6 0.6 Coverage Ratio 116.4 82.9 78.1 81.8 82.9 Provision/Total Loans 2.0 1.7 1.6 1.9 2.0 Credit Cost 1.0 1.2 1.2 1.3 1.2 Capital CAR 18.4 18.1 17.2 16.4 16.4 7

Income Statement Income Statement (Rp bn) 3Q12 3Q13 YoY 2Q13 3Q13 QoQ Interest Income 5,092 5,995 17.7% 2,042 2,064 1.1% Interest Expense (2,293) (2,421) 5.6% (801) (885) 10.5% Net Interest Income 2,799 3,574 27.7% 1,241 1,179-5.0% Fee Based Income 177 209 18.1% 78 67-13.1% Operating Expense (1,522) (2,072) 36.1% (717) (700) -2.3% Gain (Loss) on Financial Statement 11 38 259.6% 10 29 201.1% PPOP 1,464 1,749 19.5% 611 575-6.0% Loan Loss Provision (269) (373) 38.6% (138) (141) 2.6% Non Operating Income - 7-1 6 - PBT 1,194 1,382 15.8% 474 440-7.2% Tax Expense (249) (286) 15.1% (99) (91) -7.8% Net Income 946 1,096 15.9% 376 349-7.1% 8

Balance Sheet Balance Sheet (Rp bn) 3Q12 4Q12 1Q13 2Q13 3Q13 YoY Cash 1,380 1,795 1,570 1,684 1,768 28.1% Current Account with Bank Indonesia 4,279 4,666 3,659 4,127 4,249-0.7% Secondary Reserves 25,047 24,075 19,887 19,926 19,740-21.2% Loans net 32,142 34,769 37,198 41,046 43,154 34.3% Financing net 2,391 2,880 2,965 3,295 3,626 51.7% Fixed Asset 520 735 1,002 1,010 1,006 93.5% Other Asset 1,949 1,921 2,126 2,333 2,316 18.8% Total Asset 67,708 70,841 68,407 73,421 75,860 12.0% Total Third Party Fund 52,724 50,608 48,638 55,060 56,560 7.3% Marketable Securities Issued 2,395 2,395 2,395 2,396 2,396 0.1% Fund Borrowings 5,581 8,980 9,036 8,167 8,668 55.3% Others 1,266 2,849 2,625 1,711 1,792 41.5% Total Liabilities 61,966 64,832 62,694 67,334 69,417 12.0% Total Equity 5,742 6,009 5,713 6,087 6,443 12.2% 9

(Rp tr) Loans Breakdown (bank only) 50 Consumer Micro Commercial Mortgage Segment (Rp bn) 3Q 12 3Q 13 YoY 45 40 35 30 25 20 15 10 5 0 0.1 3.5 2.0 0.1 0.1 3.7 3.7 2.4 2.5 0.1 4.2 2.7 0.2 0.5 0.7 4.6 4.4 4.3 2.9 3.0 3.1 5.3 5.6 6.3 21.4 21.8 22.6 24.5 26.7 27.9 15.4 16.0 16.7 18.0 18.5 19.2 19.7 0.9 3.6 1.2 4.1 4.5 1.7 2.3 5.8 5.1 2.9 3.5 6.5 7.0 5.5 5.5 Consumer 21,842 27,872 27.6 Micro 4,117 5,493 33.4 Commercial 5,617 6,995 24.5 Mortgage 1,215 3,506 188.7 Total Gross Loans Currency (Rp bn) 32,790 43,866 33.8 3Q 12 3Q 13 YoY IDR 32,509 43,623 34.2 Forex 281 243-13.5 10

(Rp tr) Consumer Loans 30 Civil Servant Loans (LHS) NPL (RHS) Pensioner Loans (LHS) 1.0 Key Indicators 3Q 12 3Q 13 YoY Loans Outstanding 21,842 27,872 27.6 1.46 1.74 0.9 25 20 15 10 5 0.56 0.54 0.50 0.47 0.45 0.44 0.43 0.63 0.80 0.60 1.11 25.3 26.1 23.4 20.821.221.8 14.92 15.5 16.3 17.518.0 18.619.2 0.8 0.7 0.6 0.5 0.4 0.3 0.2 Net Expansion (Rp bn) Avg. Loans Outstanding (Rp mn) 2,673 5,246 96.2 62 81 30.6 No of Account 350,347 342,716-2.2 Interest Rate 15.00%-18.48% % eff. p.a Asset Quality 3Q 12 3Q 13 YoY 0.1 Special Mention 0.23 0.19-0.04 0 0.0 NPL 0.13 0.11-0.02 11

(Rp tr) Micro Loans KMU (LHS) KCR (LHS) Govt Program (LHS) NPL (RHS) Key Ratios 3Q 12 3Q 13 YoY 6.0 10.0 Loans Outstanding 4,117 5,493 33.4 5.0 0.6 0.7 0.7 9.0 8.0 Net Expansion (Rp bn) 1,142 948-17.0 4.0 3.0 2.0 1.0 0.6 0.7 0.6 0.7 0.7 0.7 1.1 0.7 1.1 1.1 1.0 0.7 0.9 0.3 1.0 1.0 1.1 1.2 1.2 1.4 0.6 1.1 1.9 0.7 1.1 2.3 0.6 1.2 2.7 1.2 3.2 1.3 1.2 3.6 3.6 7.0 6.0 5.0 4.0 3.0 2.0 1.0 Avg. Loans Outstanding (Rp mn) 53 57 7.5 No of Account 78,348 96,049 22.6 Interest Rate* 11.0% - 27.5% eff. p.a. Asset Quality 3Q 12 3Q 13 YoY Special Mention 12.7 18.4 +5.7-1.0 0.0 NPL 4.9 8.8 +3.9 *Kredit Mikro Utama 12

(Rp tr) Commercial Loans Working Capital (LHS) Syndicated (LHS) Investment (LHS) NPL (RHS) Key Ratios 3Q 12 3Q 13 YoY 8.0 15.0 14.0 Loans Outstanding 5,617 6,995 24.5 7.0 6.0 0.8 0.9 1.0 13.0 12.0 11.0 Net Expansion (Rp bn) 1,215 658-45.8 5.0 4.0 3.0 2.0 1.0 0.5 0.5 0.5 0.5 0.6 0.6 2.5 2.6 2.6 0.6 0.6 3.0 0.6 0.6 3.3 0.6 0.6 3.2 0.8 0.6 3.0 0.8 0.5 3.9 0.7 0.6 4.3 1.0 4.5 0.8 1.2 3.9 1.3 4.3 1.3 4.8 10.0 9.0 8.0 7.0 6.0 5.0 4.0 3.0 2.0 Avg. Loans Outstanding (Rp mn) 483 707 46.4 No of Account 11,633 9,892-15.0 Interest Rate 6.3% -14.5% eff. p.a Asset Quality 3Q 12 3Q 13 YoY - 1.0 - Special Mention 9.2 4.6-4.6 NPL 5.3 6.5 +1.2 13

(Rp bn) Mortgage Loans 4,000 Mortgage Loans (LHS) NPL (RHS) 15.0 Key Ratios 3Q 12 3Q 13 YoY 3,500 3,506 14.0 13.0 Loans Outstanding 1,215 3,506 188.7 3,000 2,916 12.0 11.0 Net Expansion (Rp bn) 762 1,785 134.3 10.0 2,500 2,000 1,500 1,215 1,721 2,287 9.0 8.0 7.0 6.0 5.0 Avg. Loans Outstanding (Rp mn) 241 279 15.8 No of Account 5,040 12,585 149.7 Interest Rate 7.3% - 13.7% eff. p.a. 1,000 941 4.0 500 453 663 3.0 2.0 Asset Quality 3Q 12 3Q 13 YoY 78 91 108 140 195 1.0 Special Mention 7.3 8.4 +1.1 - - NPL 2.6 3.2 +0.6 14

(Rp tr) Deposit Breakdown (bank only) Current Account Savings Account Time Deposit 60 Deposits Breakdown (Rp bn) 3Q 12 3Q 13 YoY 50 Current Account 15,678 18,174 15.9 40 30 20 10 0 26.6 27.0 28.5 24.3 32.4 22.6 30.0 23.5 20.0 19.2 19.1 20.9 18.9 8.2 7.6 6.3 8.7 7.1 6.0 5.0 6.0 4.4 3.5 3.8 4.0 4.7 17.4 18.2 15.7 14.5 15.5 10.3 10.0 10.0 10.8 11.0 12.0 11.7 7.5 Saving Account 6,275 8,167 30.1 Time Deposit 28,531 27,049-5.2 TOTAL 50,485 53,390 5.8 CASA Ratio 43.5 49.3 +5.8 Currency (Rp bn) 3Q 12 3Q 13 YoY IDR 50,277 53,113 5.6 Forex 208 277 33.2 15

(Rp bn) Asset Quality 1,200 Credit Provision (LHS) Coverage Ratio (RHS) Absolute NPL (LHS) 180 Gross NPL (Bank only) 3Q 12 3Q 13 YoY Write Off (Rp bn) 1,081 160 Consumer 0.13 0.11-0.02 2 1,000 962 896 140 Micro 4.9 8.8 +3.9 243 800 600 400 200 796786 754 728 701 699 679 648 593 603 621 575 587 557 534 516 508 480 441 403 406 324 334 120 100 80 60 40 Commercial 5.3 6.5 +1.2 113 Mortgage 2.6 3.2 +0.6 - Total 1.7 2.5 +0.8 358 Gross NPL Net NPL 3.0 2.6 2.2 2.3 2.5 2.5 2.3 2.1 2.1 1.9 2.0 1.8 1.7 1.4 1.5 1.2 1.2 20 1.0 0.5 0.2 0.3 0.5 0.7 0.8 0.4 0.2 0.6 0.5 0.5 0.7 0.6 0.6-0 - 16

Absolute Special Mention Loans (Rp bn) Special Mention/Total Loans Special Mention Contribution Special Mention Loans Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS) Consumer Micro Commercial Mortgage 1,800 1,600 254 294 4.5 4.0 100% 90% 3 1 2 2 4 2 5 7 7 9 14 16 17 1,400 1,200 88 210 304 323 3.5 3.0 80% 70% 56 54 46 46 28 42 51 45 44 32 28 19 19 1,000 96 420 2.5 60% 800 600 400 200-9 44 438 365 516 339 997 1,011 7 15 790 224 8 7 3 190 113 524 570 159 182 138 109 95 147 195 247 332 344 278 24 21 33 25 28 19 37 37 51 46 67 63 54 60 2.0 1.5 1.0 0.5-50% 40% 30% 20% 10% 0% 42 34 37 7 8 9 47 61 6 7 62 54 52 53 60 39 43 44 4 4 5 4 4 4 4 3 17

Absolute Net Performing Loans (Rp bn) Net Performing Loan/Total Loans NPL Contribution Non Performing Loans Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS) 1,200 3.0 112 100% 90% Consumer Micro Commercial Mortgage 2 2 2 2 2 4 0 1 6 7 9 9 10 1,000 87 2.5 80% 800 11 48 68 454 2.0 70% 60% 78 79 79 78 73 65 59 63 53 64 51 49 42 600 400 200-8 9 313 320 10 10 455 409 495 12 2 211 196 277 297 464 408 467 378 289 484 62 58 75 98 149 201 78 114 137 186 20 19 22 24 24 23 22 22 27 29 30 29 31 5 32 1.5 1.0 0.5-50% 40% 30% 20% 10% 0% 22 15 14 15 17 5 5 4 4 3 45 34 36 36 39 31 24 26 7 7 5 5 4 4 3 3 18

Yield Analysis Loans 69% Marketable Securities 18% Others 1% Placement to Bank Indonesia 9% Interbank Placement 3% Asset Yield 3Q 12 3Q 13 Placement to Bank Indonesia 4.0 3.8 Interbank Placement 3.4 2.9 Securities 4.4 5.1 Loans Yield 18.7 16.7 Others 0.1 0.5 Current Account 28.6% Savings Account 12.8% Time Deposit 42.5% Cost of Fund 3Q 12 3Q 13 Interbank Liabilities 3.7 4.5 Securities 11.7 11.4 Deposits From Customers 5.1 4.5 Current Account 2.2 2.3 Time Deposit 6.8 6.6 Bonds 3.8% Interbank Lending 12.3% Savings Account 2.2 1.9 Loans received 0.1-19

Lending Proportion Funding Proportion Customer Based Fast Growing Micro Loans Customer Based Well Executed Funding Strategy Consumer Micro Commercial Mortgage Government Corporate Retail 100% 100% 90% 12 0 0 0 0 0 0 1 1 1 1 2 2 3 2 3 3 3 3 2 2 3 3 2 2 2 2 12 13 14 15 15 15 16 18 19 20 21 21 90% 80% 80% 70% 70% 60% 50% 60% 50% 86.0 85.7 85.1 85.6 85.3 83.7 85.0 84.4 84.1 84.3 84.5 84.3 86.6 40% 86 84 84 83 82 82 82 80 79 77 76 75 74 40% 30% 30% 20% 20% 10% 0% 10% 0% 12.8 13.1 13.4 13.3 13.7 15.3 13.7 14.4 14.7 14.5 14.4 14.8 12.6 1.3 1.2 1.5 1.1 1.1 1.0 1.3 1.2 1.2 1.2 1.2 0.9 0.8 20

Capital Adequacy Risk Weighted Asset (RWA) 3Q 12 3Q 13 YoY Total CAR at 16.4% (-200bps YoY/ + 8bps QoQ) Total tier-1 capital at Rp5.2tr (BUKU 3 category). Total RWA 25,197 31,594 25.4 Credit Risk 19,271 24,336 26.3 Operational Risk 5,191 6,254 20.5 Market Risk 735 1,004 36.6 RWA/Total Asset 38.7% 44.1% +5.4 tier-1 4,726 5,209 10.2 CAR Analysis Risk Weighting Addition to RWA/ Rp1tr Net Expansion Net Impact to CAR tier -2 (81) (17) -78.4 Total Capital 4,645 5,192 11.8 Tier-1 CAR 18.8% 16.5% -2.3 Total CAR 18.4% 16.4% -2.0 Consumer Loans 50% Rp.500bn 0.26 Micro Loans 75% Rp.750bn 0.38 Commercial Loans 100% Rp.1tr 0.50 Mortgage Loans 40% Rp.400bn 0.21 21

Micro Loan Details 22

Micro Division Performance Growth Overall micro loans at Rp 5.5 tr (+33.4% YoY/ -0.4% QoQ) Net Expansion of +Rp 1.4tr YoY/ -Rp 22bn QoQ Loans portfolio contribution to total loans at 12.5% (-3bps YoY/ -72bps QoQ) Quality Overall NPL at 8.8% (+393bps YoY/ +196bps QoQ) Absolute NPL at Rp 484bn (+Rp 283bn YoY/ +Rp 106bn QoQ) Special Mention Loans at 18.4% (+567bps YoY/ +32bps QoQ) Absolute Special Mention Loans at Rp 1.0tr (+Rp 487bn YoY/ +Rp 14bn QoQ) 23

(Rp tr) Micro Loans 6.0 Total Micro Loans NPL 12.0 Key Ratios 3Q 12 3Q 13 YoY 5.5 5.5 Loans Outstanding 4,117 5,493 33.4 5.0 4.5 5.1 8.8 10.0 Net Expansion (Rp bn) 1,142 948-17.0 4.0 3.0 2.0 1.0 4.1 3.6 3.1 5.1 2.9 3.0 4.9 2.7 2.4 2.5 4.1 3.7 3.8 3.6 2.0 3.0 3.0 2.6 2.4 5.7 6.9 8.0 6.0 4.0 2.0 Avg. Loans Outstanding (Rp mn) 53 57 7.5 No of Account 78,348 96,049 22.6 Interest Rate* 11.0% - 27.5% eff. p.a. Asset Quality 3Q 12 3Q 13 YoY Special Mention 12.7 18.4 +5.7-0.0 NPL 4.9 8.8 +3.9 *Kredit Mikro Utama 24

(Rp tr) Kredit Mikro Utama 4.0 Kredit Mikro Utama (LHS) NPL (RHS) 12.0 Key Ratios 3Q 12 3Q 13 YoY 3.5 3.0 3.2 3.6 3.6 9.2 10.0 Loans Outstanding 2,337 3,560 52.3 Net Expansion (Rp bn) 1,134 811-28.5 2.5 2.0 1.5 1.0 0.5 2.7 2.3 5.9 5.4 5.3 4.9 1.9 4.2 3.9 3.8 3.7 1.4 1.2 1.2 1.0 1.1 1.0 1.0 2.3 2.3 2.5 6.7 8.0 6.0 4.0 2.0 Avg. Loans Outstanding (Rp mn) 40 48 20.7 No of Account 58,478 73,801 26.2 Interest Rate 23.0% - 27.5% eff. p.a. Asset Quality 3Q 12 3Q 13 YoY - 0.0 Special Mention 13.1 20.8 +7.7 NPL 3.8 9.2 +5.4 25

(Rp tr) Government Program 1.4 Government Program (LHS) NPL (RHS) 12.0 Key Ratios 3Q 12 3Q 13 YoY 1.2 1.0 0.8 0.6 0.7 0.9 1.0 1.1 1.2 1.1 1.1 1.1 1.1 1.2 8.4 7.3 6.0 5.9 5.5 10.2 1.3 1.2 8.4 10.0 8.0 6.0 Loans Outstanding 1,118 1,245 11.4 Net Expansion (Rp bn) Avg. Loans Outstanding (Rp mn) (26) 89 442.3 75 70-6.7 No of Account 14,941 17,794 19.1 0.4 3.1 2.7 4.0 Interest Rate* 8.3% -14.0% eff. p.a 0.2 0.3 1.3 2.0 Asset Quality 3Q 12 3Q 13 YoY - 0.0 0.4 - Special Mention 13.7 15.3 +1.6 NPL 8.4 10.2 +1.8 - Kredit Cinta Rakyat 8.3% eff. p.a. - Kredit Usaha Rakyat 14% eff. p.a. 26

(Rp tr) Other Micro Loans *) 0.8 Others Micro Loans(LHS) NPL (RHS) 12.0 Key Ratios 3Q 12 3Q 13 YoY 0.7 0.6 0.5 0.4 0.3 0.2 0.7 0.7 0.7 0.7 0.7 6.9 3.9 3.5 2.8 2.8 0.6 3.1 0.6 0.6 3.7 3.8 0.7 0.7 0.7 0.6 0.6 4.7 4.7 4.2 2.7 2.7 10.0 8.0 6.0 4.0 Loans Outstanding 662 688 4.0 Net Expansion (Rp bn) Avg. Loans Outstanding (Rp mn) 34 48 41.2 134 155 15.7 No of Account 4,929 4,454-9.6 Interest Rate* 10.5% - 18.04% eff. p.a. 0.1 2.0 Asset Quality 3Q 12 3Q 13 YoY Special Mention 9.7 11.4 +1.7 - - NPL 2.7 4.2 +1.5 * ) KMK Koperasi untuk anggota,kmk Program Koperasi, KMK agribisnis, KMK BPR, KMK Program Kridamas 27

Absolute Special Mention Loans (Rp bn) Special Mention Contribution Special Mention Micro Loans KMU (LHS) Govt Programs (LHS) KMU Govt Programs Others Others (LHS) Special Mention Loans (RHS) 1,200 1,000 800 600 400 200-9.4 8.5 7.1 5.8 5.3 4.0 31 22 27 96 110 18 64 15 31 3 68 91 81 98 105 129 138 10.8 9.5 20 22 142 128 169 195 18.1 18.4 15.6 79 93 12.7 200 190 12.5 52 172 58 64 140 153 704 742 567 307 372 20 18 16 14 12 10 8 6 4 2 0 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 13 3 84 8 6 86 13 14 21 33 67 54 9 11 6 6 37 39 43 39 56 49 51 52 12 10 25 29 59 65 7 22 72 9 8 20 19 71 73 28

Absolute NPL (Rp bn) NPL Contribution Non Performing Micro Loans KMU (LHS) Govt Programs (LHS) KMU Govt Programs Others 600 500 400 300 200 100 - Others (LHS) 5.1 3.6 3.0 3.0 2.4 46 27 35 23 13 18-19 3 0 44 39 50 58 69 2.6 22 20 62 31 28 31 NPL (RHS) 4.9 4.1 3.7 3.8 18 17 24 94 68 67 89 101 47 5.7 30 88 171 6.9 33 105 241 8.8 29 127 328 10 9 8 7 6 5 4 3 2 1 0 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 30-70 33 30 0 4 67 66 27 14 59 31 23 46 19 17 25 49 40 54 34 35 27 9 9 10 9 28 37 30 47 64 44 54 59 6 26 68 29

Business Process Marketing Staff Customer Sales Credit Analyst Officer Branch/Sub Branch Manager Pick up Staff Supervision Staff Marketing Processing Collecting Position Marketing Customer Sales Credit Analyst Officer Branch/Sub Branch Manager Pick-up Supervision 2Q 13 2,125 97 434 36 352 464 248 3Q 13 2,176 165 454 43 365 604 320 30

Sharia Business Performance 3Q13 bank bjb Syariah 31

Result Summary Income Statement Net Financing Income at Rp 200.5bn (+37.9% YoY) Operating Expenses at Rp 175.3bn (+30.6% YoY) Net Income at Rp 21.5bn (+99.5% YoY) Balance Sheet Total Financing at Rp 3.7tr (+52.2% YoY) Total Deposit at Rp 3.1tr (+37.1% YoY) Total Asset at Rp 4.6tr (+43.3% YoY) Ratios (bank only) NIM at 6.5% (-72bps YoY) ROA at 0.9% (+24bps YoY) ROE at 4.7% (+206bps YoY) NPF Gross at 4.0% (-83bps YoY) 32

Key Ratios Key Ratios 3Q 12 3Q 13 YoY CAR 25.4% 17.9% -7.5 NPF Gross 4.8% 4.0% -0.8 NPF Nett 3.4% 1.1% -2.3 ROA 0.7% 0.9% +0.2 ROE 2.7% 4.7% +2.0 NIM 7.2% 6.5% -0.7 Expense Ratio (BoPo) 90.5% 85.0% -5.5 FDR 103.5% 104.3% +0.8 33

Income Statement Income Statement (Rp mn) 3Q 12 3Q 13 YoY Financing Income 248,142 374,166 50.8 Financing Expense (102,796) (173,693) 69.0 Net Financing Income 145,346 200,473 37.9 Other Operating Income 3,050 5,871 92.5 Operating Expense (134,245) (175,315) 30.6 Operating Income 14,151 31,029 119.3 Non Operating Income (Expense) 246 (372) -251.2 Income Before Tax 14,397 30,657 112.9 Tax Expense (3,599) (9,114) 153.2 Net Income 10,798 21,543 99.5 34

Balance Sheet Balance Sheet Highlight (Rp mn) 3Q 12 3Q 13 YoY Cash 19,681 27,292 38.7 Current Account with Bank Indonesia 117,016 160,940 37.5 Secondary Reserves 608,704 593,264-2.5 Financing-net 2,390,849 3,579,668 49.7 Fixed Asset-net 16,153 156,582 869.4 Other Asset 51,435 74,168 44.2 Total Asset 3,203,838 4,591,914 43.3 Total Third Party Fund 2,238,873 3,068,450 37.1 Marketable Securities Issued 115,000 315,000 173.9 Fund Borrowings 168,653 520,066 208.4 Others 52,892 67,413 27.5 Total Liabilities 2,575,418 3,970,929 54.2 Total Equity 628,420 620,985-1.2 35

(Rp tr) Sharia Performance 4.0 Total Financing Total Funding Financing (Rp mn) 3Q 12 3Q 13 YoY 3.5 3.0 2.5 2.2 3.6 3.5 3.7 3.4 3.4 3.1 3.1 3.0 2.3 2.42.2 Murabahah (Trading) 1,118,608 2,140,920 91.4 Ijarah 15,853 7,497-52.7 Financing 912,290 1,381,162 51.4 Qardh (Bridging) 395,205 190,345-51.8 Isthisna (Pawning) 5,874 5,779-1.6 Total Gross Financing 2,447,830 3,725,703 52.2 2.0 1.5 1.0 0.5 2.0 2.1 1.7 1.8 1.8 1.6 1.6 1.4 1.6 1.3 1.6 1.4 1.1 1.1 Funding (Rp mn) 3Q 12 3Q 13 YoY Wadiah Current Account 76,465 104,007 36.0 Mudharabah Current Account - - - Wadiah Savings Account 68,616 93,006 35.5 Mudharabah Savings Account 260,992 348,784 33.6 0.0 Mudharabah Time Deposit 1,832,800 2,522,653 37.6 Total Funding 2,238,873 3,068,450 37.1 36

Company Profile bank bjb 37

Ownership West Java Provincial Government West Java Municipal Government Banten Provincial Government Banten Municipal Government Public (B Series) Ownership Structure 3Q12 3Q13 Founder (A Series) 75.00 75.00 West Java Provincial Government 38,26 38,26 West Java Municipal Governments 23,61 23,61 Banten Provincial Government 5,37 5,37 7.76 25 38.26 Banten Municipal Governments 7,76 7,76 Public (B Series) 25,00 25,00 Local Retail 6,14 3,97 Local Institution 12,40 6,62 5.37 23.61 Foreign Retail 0,03 0,01 Foreign Institution 6,44 14,4 38

Road Map A Strong Sustainable Growth and Profitable National Bank 2011-2012 2013-2014 2015 Building/Establishment New Infrastructures Strategy Leading in Service As One of the Big Banks Strategy A National Bank Leading in Service and Performance Strategy Developing HR Competence, IT Infrastructure, and organization for : o Micro & SME Financing o Consumer & Commercial Banking o Treasury & International Matching the 10 Biggest Banks in areas : o HR competence/ IT o Services o Bank bjb `incorporated` Leading in Service and Performance National Bank 39

Distribution Network Others Deposits 1.8 Tr Loans 1.8 Tr Micro Loans 274.8 bn Profit 20.1 bn 46,955 Customers 13 Branch Offices 12 Sub Branch Offices 3 Cash Offices 66 ATM Unit 12 Waroeng bjb 346 Employees Total bjb employees 6,068 Total bjb customers 2,805,046 Jakarta Deposits 5.9 Tr Loans 4.3 Tr Micro Loans 150.9 bn Loss 28.9 bn 58,346 Customers 9 Branch Offices 62 Sub Branches 7 Cash Offices 1 Payment Point 103 ATM Unit 27 Waroeng bjb 525 Employees Banten Deposits 10.1 Tr Loans 6.1 Tr Micro Loans 644.2 bn Profit 423.5 bn 480,317 Customers 8 Branch Offices 42 Sub Branches 26 Cash Offices 12 Payment Point 176 ATM Unit 61 Waroeng bjb 573 Employees West Java Deposits 35.6 Tr Loans 31.6 Tr Micro Loans 4.4 Tr Profit West Java 2.3 bn, Loss Head Oficce 1.3Tr 2,219,428 Customers 32 Branch Offices 188 Sub Branch 116 Cash Offices 93 Payment Point 707 ATM Unit 337 Waroeng bjb 4,615 Employees 40

Branch Network Details No bjb Network 3Q 12 3Q 13 YoY 1 Branch 56 62 6 2 Sub Branch 215 304 89 3 Cash Offices 114 152 38 4 Payment Point 97 106 9 5 ATM 674 1,052 378 6 Waroeng bjb (A,B & C) 437 562 125 7 Layanan bjb Precious 11 11-8 MSME Center 6 6-9 Mobile Cash 7 11 4 10 Weekend Banking 11 12 1 11 Forex Branches 25 47 22 Total 1,653 2,325 672 41

Human Capital Level 3Q 12 3Q 13 YoY Board of Commissioners 5 5 - Directors 4 4 - Top Management 29 34 5 Middle Management 196 209 13 First Line Management 1,067 1,336 269 Staff 1,951 4,478 2,527 Employee in Pension Preparation 8 2-6 Total Permanent 3,260 6,068 2,808 Educational Breakdown Up to High School Masters and Doctorate Up to Bachelor Degree 95.3% Masters and Doctorate 4.2% Age Breakdown Up to Bachelor Degree Up to High School 0.5% 18-30 31-40 41-50 > 50 Micro 2,313 3,189 876 Others 5,477 2,200-3,277 Total Non Permanent 7,790 5,389-2,401 31-40 12.8% 41-50 7.4% Total 11,050 11,457 407 18-30 78.8% > 50 1.0% 42

2012 Awards Infobank Awards 2012 Jamsostek Award: Regional Strategic Partner 2012 Call Center Award for 2012 SINDO People of The Year 2012 CEO of The Year Indonesia Trusted Company The Indonesian Institute for Corporate Governance Mark Plus Conference: Indonesia Marketing Champion 2012 Annual Report Award 2012 The 4 th IICD Corporate Governance Conferences & Award: Best Corporate Governance for Newly Listed 43

2013 Awards Infobank Awards Financial Performance Very Good 2003-2012 Indonesia Banking Awards Best Performance Banking 2013 for Bank Category BUKU 3 44

Rp/share Million Shares Share Price Performance 1400 1300 1200 Volume (RHS) Price (LHS) 120 100 Investor Relations Group Menara bank bjb 7 th Floor Jl. Naripan 12 14 Bandung 40111 +6222 4234868 ext 7140/7141 ir@bankbjb.co.id 1100 1000 80 60 Contact Person: Irwan Riswandi Manager iriswandi@bankbjb.co.id 900 40 Ari Budiman Officer abudiman@bankbjb.co.id 800 700 600 20 0 Anjas Septa Lesmana Officer aslesmana@bankbjb.co.id Simon Sihol Panggabean Staff spanggabean@bankbjb.co.id Source: Bloomberg 45

Menara bank bjb 4 th Floor Jl. Naripan 12-14 Bandung 40111 Telp. +62 22 4234868 46