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 — Q3 2025 Earnings Presentation
35 slides from Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk's earnings presentation, 2025
Slide 1: 3Q-2025 Corporate Presentation
3Q-2025 Corporate Presentation PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk (Development Bank of West Java and Banten/BJBR)
Slide 2: Management Highlight: BI Rate and 3Q25 Performance
Management Highlight BI Rate Drops 125 bps since Dec 2024 , 2019 -2021 Deja Vu ? • BI Rate currently stands at 4.75%, down 125 bps YoY . This 6.00 6.00 6.00 situation is similar to Dec-2020, when a comparable 125 bps rate BI Rate Movement 5.75 5.75 5.75 5.75 cut had a positive impact on bank bjb, le
Slide 3: Management Highlight: Consumer Loans and KGB Pisan
Management Highlight Consumer Loans Maintain Steady Growth with Strong Market Potential Number of Civil Servant in West Java & Banten Growth of Number of Pensioners with • The number of Civil Servants (ASN) continues to grow, driven by (Permanent & Contract/P3K) bank bjb’s P3K Debtors Pension Benefi
Slide 4: Management Highlight: Guidance 2025 Achievement
Management Highlight Guidance 2025 (Bank Only) Achievement Bank Only Guidance 3Q25 2Q25 1Q25 • Consumer loan growth slowed to +2.7% YoY, mainly due to a slowdown in the Pensioners (-1.3% YoY) and Pre-Pensioners (-2.3% Consumer Loans Growth ≥4 4.1 4.7 YoY) segments, driven by higher life insurance pr
Slide 5: 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 6: 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 2Q 2025 YoY – BPS 2Q 2025 - BPS 2Q 2025 - BPS Indonesia West Java Banten Jakarta West Banten East Central Others West Java Banten Ind
Slide 7: 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 8: 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 9: 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 Sulawe
Slide 10: Omni Channels for a Unified Digital Banking Experience
Digi Mobile bank bjb Omni Channels for a Unified Digital Banking Experience Digi Mobile Consumer Loan Onboarding Internet Banking Corporate ( IBC) KGB Pisan ( Pinjaman ASN) Pre-Approval Loan Verification on Apps Digital Approval Direct Signature on Apps Disbursement Loan Process to Disbursement < 15
Slide 11: Commitment for ESG Implementation
Commitment for ESG Implementation Developing Strategies for Sustainable Banking Sustainable Bond MSME Financing & Empowerment Net-Zero Initiatives Rp1.0 Tr Committed for Paperless 2025 Allocation KUR Disbursement Net Zero Emission Movement Rp 2.4 Tr Rp 736.5 Bn (30.7%) Sustainable Portfolio ❑ Virtua
Slide 12: Management
Management Board of Novian Tomsi Tohir Rudie Kusmayadi Herman Suryatman Commissioner Herodwijanto Independent Commissioner Commissioner Commissioner Commissioner Ayi Subarna Hana Dartiwan Yusuf Saadudin Nunung Suhartini Mulyana Board of Directors Director of Director of President Director of Directo
Slide 13: 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 14: 3Q-2025 Performance: Consolidated
3Q-2025 Performance Consolidated 14
Slide 15: Financial Snapshot
Financial Snapshot Consolidated Total Assets Total Deposits Total Loan & Financing Total Equity Balance Sheet Rp 215.9 T Rp 160.3 T Rp 142.9 T Rp 16.9 T Net Interest Income Non Interest Income Provisioning PATMI Income Statement Rp 5.5 T Rp 1.8 T Rp 878 Bn Rp 791 Bn ROE NIM LDR NPL (Gross) Ratios (B
Slide 16: Balance Sheet
Balance Sheet Consolidated Balance Sheet YoY 3Q24 4Q24* 1Q25* 2Q25* 3Q25* (Rp bn) (%) Cash 2,862 4,701 5,246 3,599 3,228 +12.8 Current Account with Bank Indonesia 14,125 8,778 8,326 3,778 10,231 -27.6 Secondary Reserves 46,485 51,859 55,492 56,656 52,412 +12.7 Loans & Financing 138,044 146,406 145,3
Slide 17: Income Statement
Income Statement Consolidated YoY Result QoQ Result Income Statement YoY YoY (Rp bn) (%) (Rp bn) 3Q24 3Q25* 3Q24 4Q24* 1Q25* 2Q25* 3Q25* QoQ (%) Interest Income 11,622 12,788 +10.0 +1,166 3,862 4,250 4,273 4,210 4,305 +2.3 Interest Expense 6,780 7,278 +7.3 +498 2,309 2,466 2,454 2,414 2,410 -0.2 Net
Slide 18: 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 3Q24 3Q25* YoY (%) Fee & Commission Treasury & Markets E-Channel Recovery Others Non Interest Income 1,612 1,755 +143 +8.9 1.6%
Slide 19: Loan Breakdown
Loan Breakdown Consolidated Loan Outstanding Loan Movement Consolidated Loan Composition Consumer Mortgage Corporate Segment YoY Bank Only Loan Subsidiaries Loan 3Q24 3Q25* YoY Commercial Subsidiaries Loan Total Loan (Rp Bn) (%) 12.0% 18.4% 18.7% 19.1% 19.6% Total Loan 138,044 142,889 +4,855 +3.5 14
Slide 20: Deposit Breakdown
Deposit Breakdown Consolidated Deposit Outstanding Deposit Movement Deposit by Segment (Bank Only, %) Segment YoY Current Account Saving Account Time Deposit Subsidiaries Total Deposit Government Corporate Retail 3Q24 3Q25* YoY (Rp Bn) (%) 160,272 156,601 Total Deposit 153,232 160,272 +7,040 +4.6 15
Slide 21: 3Q-2025 Performance: Bank Only Details
3Q-2025 Performance Bank Only Details 21
Slide 22: Key Ratios
Key Ratios Bank Only Details Key Ratios (%) 3Q24 4Q24 1Q25 2Q25 3Q25 YoY Return on Assets/ROA (Net) 0.8 0.7 0.7 0.5 0.5 -0.3 Return on Equity/ROE (Net) 9.1 8.0 8.0 5.2 5.7 -3.4 Loan Yield 10.1 10.2 10.3 10.4 10.4 +0.3 Profitability Net Interest Margin/NIM 3.8 3.8 3.6 3.7 3.7 -0.1 Cost to Income Rati
Slide 23: 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 ~ 60 yo Hired Active Period Retirement Period Max Age Regular Program Counterparty Regular Program 25-30 yo 75 yo Multipurpose Loan Pensioners
Slide 24: Loan Movement
Loan Movement Bank Only Details Loan Movement (Rp Bn, YoY) Loan Movement (Rp Bn, QoQ) 3Q24 – 3Q25 2Q25 – 3Q25 Write Off Breakdown Write Off Breakdown Consumer Mortgage Consumer Mortgage Corporate Commercial Corporate Commercial Commercial ; 6,290 3.6% 4.2% 15.7% Corporate; 4,951 21.0% Mortgage ; 1,0
Slide 25: 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 26: Loan Movement
Loan Movement Bank Only Details Business Segment (Rp Bn) Corporate Loan (Rp Bn) Commercial Loan (Rp Bn) YoY QoQ YoY QoQ YoY QoQ Economic Sector 3Q25 Economic Sector 3Q25 Economic Sector 3Q25 (Rp Bn) (Rp Bn) (Rp Bn) (Rp Bn) (Rp Bn) (Rp Bn) Financial Services 6,903 23.5% -2,735 -1,456 Financial Servic
Slide 27: 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 26.8% Business Sectors 7,445 73.2% 7,063
Slide 28: Non Performing Loan
Non Performing Loan Bank Only Details Non Performing Loan NPL & NPL Coverage (%) Loan Provisioning Movement (YoY) Consumer Mortgage Corporate Non-Business Commercial NPL % NPL Sectors Coverage % NPL % 25.6% 2.43 2.62 2.67 3,500 3.00 Business 2.22 833 3,053 3,073 Sectors 1.53 3,000 2,873 2.62 2.67 74
Slide 29: Loan Yield, Cost of Fund, Currency & Liquidity Trend
Loan Yield, Cost of Fund, Currency & Liquidity Trend Bank Only Details Loan Yield Breakdown (%) 3Q24 4Q24 1Q25 2Q25 3Q25 Currency (Rp bn) 3Q24 4Q24 1Q25 2Q25 3Q25 Loans Yield 10.3 10.3 10.3 10.4 10.4 IDR 118,276 132,084 118,859 121,659 123,169 Deposits Consumer Loan Yield 12.2 12.2 12.2 12.2 12.2 Fo
Slide 30: 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 (%) 92,747 89,839 1
Slide 31: 3Q-2025 Performance: Subsidiary Performances
3Q-2025 Performance Subsidiary Performances 31
Slide 32: bank bjb Syariah
bank bjb Syariah Ownership 99.24% Distribution Channel & Human Capital Majority and - 95 Office Network & 87 ATM Controlling Shareholders - 1,252 People 3Q24 3Q25 YoY (%) YoY (Rp) Comm. Total Asset 14,208 15,706 +10.5 +1,498 33.9% 6,828 Loan Breakdown Balance 6,248 3Q25 Total Financing 9,404 10,333
Slide 33: Bank Jambi
Bank Jambi Ownership 7.74% Distribution Channel and Human Capital Controlling Shareholders, - 54 Office Network & 123 ATM Collaborate with Prov Jambi - 778 People Inv. 11.7%WC 2.4% 3Q24 3Q25 YoY (%) YoY (Rp) Total Asset 12,587 15,158 +20.4 +2,572 3Q25 Loan Breakdown Balance Total Loan 9,687 9,906 +2
Slide 34: Bank Bengkulu
Bank Bengkulu Ownership 15.48% Distribution Channel and Human Capital Controlling Shareholders, - 57 Office Network & 121 ATM Collaborate with Prov Bengkulu - 841 People Inv. 14.0% 3Q24 3Q25 YoY (%) YoY (Rp) WC 11.2% Total Asset 9,816 11,352 +15.7 +1,536 3Q25 Loan Breakdown Balance Total Loan 7,184
Slide 35: 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 Email : ir@bankbjb.co.id Disclaimer : This report has been prepared by PT Bank Pembangunan Daerah Jawa Barat & Banten, Tbk. (bank bjb) indepen
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