Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk · IDX:BJBR
Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk — PT Bank Pembangunan Daerah Jawa Barat dan Banten — Q2 2026 Earnings Presentation
33 slides from Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk's earnings presentation, 2026
Slide 1: 2Q-2026 Corporate Presentation
2Q-2026 Corporate Presentation PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk (Development Bank of West Java and Banten/BJBR)
Slide 2: Financial Snapshot
Financial Snapshot Total Assets Total Deposits Total Loan & Financing Total Equity Balance Sheet Rp 228.2 T Rp 160.9 T Rp 140.4 T Rp 16.2 T +5.7% Year on Year +2.7% Year on Year -2.6% Year on Year -1.6% Year on Year Net Interest Income Non-Interest Income Provisioning Profit After Tax & MI Income St
Slide 3: Investment Proposition
Investment Proposition Attractive Economic Outlook in Strategic Growth through Committed to Integrating ESG Principles West Java & Banten Region Synergies Within bjb Group for Long -Term Value Indonesia’s 2nd Largest Economic Region (Combined) Unlocking Synergy Value among members of bjb Group Leadi
Slide 4: Growing Economic Prospect in West Java & Banten Region
Growing Economic Prospect in West Java & Banten Region Indonesia’s 2nd Largest Economic Region ( Combined) Economic Growth % Contribution to Indonesia’s GDP Population 1Q 2026 YoY – BPS 1Q 2026 - BPS 1Q 2026 - BPS Indonesia West Java Banten Jakarta West Banten East Central Others West Java Banten In
Slide 5: Regional Development Bank (BPD) Outlook
Regional Development Bank (BPD) Outlook Roadmap , Financial Performance and Positioning Roadmap for Strengthening BPD (2024-2027, OJK) Resilient , Contributive, and Competitive Regional Development Banks ( BPD) 1 2 3 Strengthening the Role in 4 Pillar Enhancing Structure and Accelerating the Digital
Slide 6: Strategic Growth through Synergy Among bjb Group
Strategic Growth through Synergy Among bjb Group Unlocking Synergy Value among members of bjb Group Assets Contribution & Ownership Group Synergy Syariah Business & Infrastructure Synergy (Syndicated Subsidiary Assets bjb Sekuritas Loan, BI Fast, IT Infrastructure, Tax Payment, Group Contribution As
Slide 7: Evolving From a Regional Basis to Nationwide Coverage
Evolving From a Regional Basis to Nationwide Coverage Extending Our Distribution Network West Java & Banten / Jakarta / Central Java / Jogja / East Java / Bali / 17 North Sumatra / Riau / Riau Island / South Sumatra / Lampung / Bengkulu / Jambi Provinces / East Kalimantan / South Kalimantan / South
Slide 8: Digital Channels bank bjb
Digital Channels bank bjb Omni Channels for a Unified Digital Banking Experience Digi Mobile Digital Consumer Loan Registered User Quarterly Transaction Value Digi Mobile and ATM, Rp Trillion NoA KGB Pisan (2Q2026) 1,867,206 11.396 NoA (+119k NoA or +6.8% YoY) Digi ATM (+17.2% QoQ and +122.0% YoY) T
Slide 9: Management
Management Board of Commissioner Susi Pudjiastuti * Novian Herodwijanto Eydu Oktain Panjaitan * Independent Independent Independent President Commissioner Commissioner Commissioner Rudie Kusmayadi Herman Suryatman Tomsi Tohir Commissioner Commissioner Commissioner *effective after obtaining approval
Slide 10: Commitment for ESG Implementation
Commitment for ESG Implementation Developing Strategies for Sustainable Banking Sustainable Bond MSME Financing & Empowerment Net-Zero Initiatives Rp1.9 Tr Committed for Paperless 2026 Allocation 2026 KUR Disbursement Net Zero Emission Movement Rp 1.55 Tr Rp 366.8 Bn (23,6%) Sustainable Portfolio ❑
Slide 11: Shares & Ratings Information
Shares & Ratings Information Shares Outstanding shares as of June 2025 10,521,443,686 shares -------------------------------------------------------------------------------------- Shares-Related Corporate Action - Right Issue I (March 2022) 682,656,525 Series B Shares - Private Placement I (December
Slide 12: 2Q-2026 Performance: Consolidated
2Q-2026 Performance Consolidated 12
Slide 13: Balance Sheet
Balance Sheet Consolidated Balance Sheet YoY 2Q25 3Q25 4Q25 1Q26 2Q26 (Rp bn ) (%) Cash 3,599 3,228 4,929 5,735 3,070 -14.7 Current Account with Bank Indonesia 3,778 10,231 12,019 10,646 6,794 +79.8 Secondary Reserves 56,656 52,412 57,117 57,661 71,676 +26.5 Loans & Financing 144,177 142,899 140,712
Slide 14: Income Statement
Income Statement Consolidated YoY Result QoQ Result Income Statement YoY YoY (Rp bn) (%) (Rp bn) 2Q25 2Q26 2Q25 3Q25 4Q25 1Q26 2Q26 QoQ (%) Interest Income 8,483 8,211 -3.2 -271 4,210 4,305 4,305 4,106 4,106 +0.0 Interest Expense 4,868 4,270 -12.3 -599 2,414 2,410 2,304 2,053 2,217 +8.0 Net Interest
Slide 15: Non-Interest Income & Operating Expense
Non-Interest Income & Operating Expense Consolidated Non Interest Income Breakdown (Rp Billion, YoY ) Non -Interest Income Composition YoY (Bank Only, %) Non-Interest Income 2Q25 2Q26 YoY (%) Fee & Commission Treasury & Markets E-Channel Recovery Others Non -Interest Income 1,120 1,059 -61 -5.4 2.4%
Slide 16: Loan Breakdown
Loan Breakdown Consolidated Loan Outstanding Loan Movement Consolidated Loan Composition Segment YoY Consumer Mortgage Corporate 2Q25 2Q26 YoY Bank Only Loan Subsidiaries Loan (Rp Bn) (%) Commercial Subsidiaries Loan Total Loan Total Loan 144,177 140,370 -3,807 -2.6 19.1% 19.6% 20.4% 20.8% 20.9% Sub
Slide 17: Deposit Breakdown
Deposit Breakdown Consolidated Deposit Outstanding Deposit Movement Deposit by Segment (Bank Only, %) Current Account Saving Account Time Deposit Segment YoY Government Corporate Retail 2Q25 2Q26 YoY Subsidiaries Total Deposit (Rp Bn ) (%) Total Deposit 156,601 160,866 +4,265 +2.7 160,272 159,872 16
Slide 18: 2Q-2026 Performance: Bank Only Details
2Q-2026 Performance Bank Only Details 18
Slide 19: Key Ratios
Key Ratios Bank Only Details Key Ratios (%) 2Q25 3Q25 4Q25 1Q26 2Q26 YoY Return on Assets/ROA (Net) 0.5 0.5 0.6 0.8 1.0 +0.5 Return on Equity/ROE (Net) 6.2 5.7 6.2 8.8 10.4 +5.2 Loan Yield 10.4 10.4 10.4 10.4 10.4 +0.0 Profitability Net Interest Margin/NIM 3.7 3.7 3.8 4.1 3.9 +0.2 Cost to Income Rat
Slide 20: Loan Segmentation
Loan Segmentation Bank Only Details Consumer Loan Mortgage Loan Corporate Loan Commercial Loan Loan Limit > Rp 100 bn Loan Limit Rp 5 mn – Rp 100 bn Retired Active Period ~ 60 yo Retirement Period Hired Max Age Regular Program Counterparty Regular Program 25-30 yo 75 yo Multipurpose Loan Pensioners
Slide 21: Loan Movement
Loan Movement Bank Only Details Loan Movement (Rp Bn, YoY) Loan Movement (Rp Bn, QoQ) 2Q25 – 2Q26 1Q26 – 2Q26 Write Off Breakdown Write Off Breakdown Consumer Mortgage Consumer Mortgage Corporate Commercial Corporate Commercial Commercial , 8,656 6.6% Corporate, 5,340 14.6% 13.6% Mortgage, 973 1.1%
Slide 22: Loan Breakdown
Loan Breakdown Bank Only Details Consumer Loan (Rp Trillion) Mortgage Loan (Rp Trillion) Corporate Loan (Rp Trillion) Commercial Loan (Rp Trillion) Multipurposes Pre-Pensioners Primary Program Others Mortgage Counterparty Loan Working Capital SME Micro Program Linkage Commercial Pensioners Consumer
Slide 23: Loan Movement
Loan Movement Bank Only Details Business Segment Corporate Loan Commercial Loan (Rp Bn) (Rp Bn) (Rp Bn) Economic Sector Prop. YoY QoQ Economic Sector Prop. YoY QoQ Economic Sector Prop. YoY QoQ (%) (Rp Bn) (Rp Bn) (%) (Rp Bn) (Rp Bn) (%) (Rp Bn) (Rp Bn) Financial Services 7,214 27.1 -1,146 -504 Fina
Slide 24: Loan at Risk
Loan at Risk Bank Only Details Loan at Risk Restructured Kol 1 Non-Current Loan (Kol 2 -Kol 5 ) Non-Business Consumer Mortgage Corporate Sectors Consumer Mortgage Corporate Commercial Kol 1-R Consumer Mortgage Corporate Commercial Non-CL Commercial LAR % LAR 27.3% Business 14,000 10.24 10.33 Sectors
Slide 25: Non-Performing Loan
Non-Performing Loan Bank Only Details Non-Performing Loan NPL & NPL Coverage (%) Loan Provisioning Movement (YoY) Non-Business Consumer Mortgage Corporate Sectors Commercial NPL % NPL 27.5% Coverage % NPL % Business 3.33 3.07 1,220 Sectors 2.91 5,000 3.33 2.62 2.67 3.07 3.00 72.5% 2.91 4,500 2.62 2.
Slide 26: Loan Yield, Cost of Fund, Currency & Liquidity Trend
Loan Yield, Cost of Fund, Currency & Liquidity Trend Bank Only Details Loan Yield Breakdown (%) 2Q25 3Q25 4Q25 1Q26 2Q26 Currency (Rp bn ) 2Q25 3Q25 4Q25 1Q26 2Q26 Loans Yield 10.4 10.4 10.4 10.4 10.4 IDR 121,659 123,169 114,990 122,201 123,802 Deposits Consumer Loan Yield 12.2 12.2 12.2 12.4 12.4 F
Slide 27: Risk Weighted Assets & Capital
Risk Weighted Assets & Capital Bank Only Details Risk Weighted Assets (Bank Only, Rp Billion) Capital Structure (Bank Only, Rp Billion) Capital Structure (Bank Only, %) Credit Risk Operational Risk Market Risk RWA CET 1 Add.-tier 1 tier-2 Total Capital CET 1 AT 1 Tier 2 Total CAR (%) 17,935 18,084 8
Slide 28: Guidance
Guidance Bank Only Guidance 2Q-2026 Consumer Loan Growth ≥4 -0.5 NIM ≥ 3.7 3.9 Loan to Deposit Ratio ≤ 92.0 81.7 Cost of Fund 4.25 ± 0.25 4.1 Gross NPL 3.00 ± 0.25 3.33 Coverage Ratio 90 – 100 89.2 Cost of Credit 0.8 – 1.2 1.1 • Consumer loan growth was impacted by an Rp 1.8 trillion asset sale. Exc
Slide 29: 2Q-2026 Performance: Subsidiary Performances
2Q-2026 Performance Subsidiary Performances 29
Slide 30: bank bjb Syariah
bank bjb Syariah Ownership 99.24% Distribution Channel & Human Capital Majority and - 96 Office Network & 77 ATM Controlling Shareholders - 1,242 People 2Q25 2Q26 YoY (%) YoY (Rp) Comm. Total Asset 15,310 17,173 +12.2 +1,863 35.8% Loan Breakdown Balance 7,342 2Q26 Total Financing 10,206 11,439 +12.1
Slide 31: Bank Jambi
Bank Jambi Ownership 7.73% Distribution Channel and Human Capital Controlling Shareholders, - 52 Office Network & 123 ATM Collaborate with Prov Jambi - 761 People Inv. 13.9%WC YoY (%) YoY (Rp) 2.3% 2Q25 2Q26 Total Asset 13,922 15,968 +14.7 +2,046 2Q26 Loan Breakdown Balance Total Loan 9,828 10,090 +
Slide 32: Bank Bengkulu
Bank Bengkulu Ownership 15.47% Distribution Channel and Human Capital Controlling Shareholders, - 56 Office Network & 121 ATM Collaborate with Prov Bengkulu - 738 People Inv. 14.0% WC 2Q25 2Q26 YoY (%) YoY (Rp) 10.1% Total Asset 10,078 11,051 +9.7 +973 2Q26 Loan Breakdown Balance Total Loan 7,518 7,
Slide 33: Contact Investor Relation (IR)
PT Bank Pembangunan Daerah Contact Investor Relation (IR) Menara bank bjb 7th Floor Jl. Naripan 12 - 14, Bandung 40111 Jawa Barat dan Banten, Tbk Information Phone : + 622 4234868 Email : ir@bankbjb.co.id Disclaimer : This report has been prepared by PT Bank Pembangunan Daerah Jawa Barat & Banten, T
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