Material Presentations FY 2010 Report

Ownership

B Series Breakdown

Ownership Shares %

Local

Local Retail 346,921,000 14.31%

EMSA 77,267,000 3.19%

Cooperatives 9,000 0.00%

Foundations 9,127,000 0.38%

Pension Funds 158,296,500 6.53%

Insurances 165,795,000 6.84%

Ltd Company 35,597,335 1.47%

Mutual Funds 425,581,000 17.56%

1,218,593,835 50.27%

Foreign

Foreign Retail 771,500 0.03%

Foreign Institutional 1,204,707,165 49.70%

1,205,478,665 49.73%

2,424,072,500 100.00%

Distribution NetworkDistribution Network bank bjb per December 10:Distribution Network bank bjb per December 10:

Jakarta Semarang Surabaya Batam MedanTegal * Jakarta Barat * Pekanbaru * Denpasar * Makasar *Balikpapan * * Waiting for permit from Central Bank

Branches outside West Java & Banten are located in:

New Branch : 6New Sub Branch : 46New Cash Office : 28Mobile Office : 6New ATM : 231New Service Unit : -New Weekend Banking : 8

• 51* Branches

• 135 Sub Branches

Branch Expansion Plan Year 2011 outside West Java & Banten Region

• 48 Cash Offices

• 41 Payment Point

• 1 Mobile Office

• 385 ATM

Bank bjb ATM Card can accessed by 167.705 ATM by:

• 22.290 ATM Bersama Network

• 15.407 PRIMA ATM

• 130.008 PRIMA Debit Points

Branch Expansion Plan Year 2011

Palembang Bandar Lampung Banjarmasin Solo

Branch Expansion

Expansion Plan 2011 2012

New Branches Outside Wet Java & Banten Region 1. Bandar Lampung

2. Banjarmasin

3. Solo

4. Palembang

1. Yogyakarta

2. Menado

3. Samarinda

4. Kediri

Upgrading from Sub Branch to Full Branch 1. Singaparna

2. Balaraja

1. Lembang

2. Ujungberung

3. Cikampek

Number of Branches 57 70

Number of Sub Branches 181 325

Number of Cash Offices 76 80

• Branches10

• Sub Branches24

• Cash Offices6

• Payment Point8

• ATM148

New Distribution Network in 2010

Human Resources

6

Past experiences include President Director – bank bjb (2007 -

Present), Director of Funding & Services – bank bjb (2005 - 2007), Head of

Treasury – bank bjb (2004 - 2005), Head of Branch – bank bjb , Jakarta (2003 -

2004) and Head of Branch – bank bjb, Serang (2000 - 2002).

Agus Ruswendi, President Director

Past experiences include Director of Funding & Services – bank bjb(2007 -

Present), Head of Financial Management Division – bank bjb (2005 -

2007), Head of Branch – bank bjb, Bekasi (2003 - 2005) and Head of Branch –

bank bjb, Sukabumi (2002 - 2003).

Tatang Sumarna, Director of Consumer Banking

Past experiences include Director of Loan – bank bjb(2007 - Present), Head of

General Affairs Division – bank bjb(2006 - 2007), Head of Branch – bank bjb,

Jakarta (2004 - 2006) and Head of Branch – bank bjb, Serang (2003 - 2004).

Entis Kushendar, Director of Commercial

Past experiences include Director of Operation – bank bjb(2007 -

Present), Head of Human Resource Division – bank bjb(2005 - 2007), Head of

Branch – bank bjb, Serang (January 2005 - September 2005) and Head of

Branch – bank bjb, Cirebon (2002 - 2005).

Dadang Agus Suryanto, Director of Operation

Past experiences include Direcor of Compliance and RIsk Management – bank

bjb(2007 - Present), Head of Corporate Planning and Development – bank

bjb(2005 - 2007), Head of Financial Management – bank bjb(2002 - 2005) and

Head of Branch – bank bjb, Cirebon (1997 - 1998).

Herry Achmad Buchory, Director Compliance and Risk Management

• Appointed President Director 4 April

2007

• Years of Experience at Bank Jabar

Banten: 25 Years

• Appointed Director 4 April 2007

• Years of Experience at Bank Jabar

Banten: 25 Years

• Appointed Director 4 April 2007

• Years of Experience at Bank Jabar

Banten: 25 Years

• Appointed Director 4 April 2007

• Years of Experience at Bank Jabar

Banten: 27 Years

• Appointed Director 4 April 2007

• Years of Experience at Bank Jabar

Banten: 31 Years

Management Team

7

Past experiences include President Commissioner of bank bjb(2006 - Present), Jawa Barat Provincial Secretary

(2006 - Present), Assistant of Regional Secretariat of Jawa Barat on Economic Affairs (2004 - 2006) and Head of

Environmental Protection Agency of Jawa Barat (2001 - 2004).

Lex Laksamana Zainal Lan, President Commissioner

Past experiences include Independet Commissioner of bank bjb(2007 - Present), Member of Syariah Banking

Development Committee at Bank of Indonesia (2000 - Present), Director Senior Manager at Ernst & Young

(2002 - 2007), Member of Fit and Proper Test Team at Bank of Indonesia (1999 - 2007) dan Oversight Director at

Bank Muamalat Indonesia (1996 - 1999).

Achmad Baraba, Independent Commissioner

Past experiences include Independent Commissioner of bank bjb(2007 - Present), SRM Spoke B Manager SPB KC

Bank Mandiri Jakarta Juanda ex. BDN (2002-2003), Head of Branch - Bank Mandiri Daan Mogot (1998 - 1999) dan

Head of Branch - Bank Mandiri Cinere (1996 - 1998).

Muryanto, Independent Commissioner

Muhadi, Commissioner

Past experiences include Commissioner of bank bjb(2008 - Present), Banten Provincial Secretary (2008 -

Present), Caretaker of Banten Provincial Secretary (2008), Head of Service - Management and Asset of Provincial

Banten (2008) and Head of Service - Revenue of Provincial Banten (2006 - 2008).

Klemi Subiyantoro, Independent Commissioner

Past experiences include Independent Commissioner of bank bjb(2008 - Present), Independent Commissioner of

PT Adhi Karya (Persero) Tbk (2006 - 2008), Head of Audit Committee of PT Adhi Karya (Persero) Tbk (2006 - 2008)

and Member of Audit Committee of PT Semen Gresik (Persero) Tbk (2006 - 2007).

Board of Commisioners

Financial Highlights

15.51

21.21 23.04 26.04

32.41

43.44

2005 2006 2007 2008 2009 2010

Asset

10.07 11.76

13.05

16.43

19.63

23.67

2005 2006 2007 2008 2009 2010

Loans

11.53

15.54 16.49 18.35

23.72

31.95

2005 2006 2007 2008 2009 2010

Deposits

1.50 1.80

2.18 2.48

3.09

4.99

2005 2006 2007 2008 2009 2010

Equity

Financial Highlights

````````````````````````````````````````````````````````````````256,636 302,442

370,667

542,162

709,106

890,171

2005 2006 2007 2008 2009 2010

Net Profit

446,889 504,297

552,707

818,946

985,377

1,219,628

2005 2006 2007 2008 2009 2010

Gross Profit

Ratios

15.01% 14.97%16.81%

15.06%

21.20%22.85%

2005 2006 2007 2008 2009 2010

CAR

3.04%

2.63%

2.40%

3.31% 3.24%3.15%

2005 2006 2007 2008 2009 2010

ROA

18.93%18.01%

19.41%

24.98%

28.09%

24.95%

2005 2006 2007 2008 2009 2010

ROE

9.77%

6.38%5.97%

8.45%7.63%

7.32%

2005 2006 2007 2008 2009 2010

NIM

Ratios

78.04%

80.39%

79.42%

75.41%

77.30%76.60%

2005 2006 2007 2008 2009 2010

Operational Expenses to Operational Income

87.33%

75.67% 79.02%

89.44%82.47%

71.14%

2005 2006 2007 2008 2009 2010

LDR

0.45%0.41%

0.70% 0.78%

1.97% 1.86%

2005 2006 2007 2008 2009 2010

NPL

Deposits Breakdown

Business Dec-10 Dec-09

Conventional 31,019,700

Sharia 933,762

TOTAL 31,953,462 23,718,912

Conventional Dec-10 Dec-09

Current Account 7,458,300 8,272,288

Saving Account 4,690,403 3,802,574

Time Deposits 18,870,997 11,644,050

CASA 39.16% 50.91%

23,718,912

Dec-09 % CASA

Gov't Related 30.22% 85.54%

Corporation 50.04% 23.24%

Retail 19.73% 67.11%

Dec-10 % CASA

Gov't Related 23.63% 64.79%

Corporation 54.04% 19.31%

Retail 22.33% 60.11%

Loans Breakdown

Consumer Banking

•Kredit Multiguna Bhakti (Civil Servant and Employee Loans)

•Pensioners Loans

•Mortgage Loans

Commercial Banking

•Working Capital above Rp. 100 million

•Investment above Rp. 100 million

•Construction Loans

•Syndicated loans

Micro Banking

•Kredit Mikro Utama

•Kredit Usaha Rakyat

•Working Capital and Investment loans by Government Program

•Working Capital for Cooperative

•BPR Linkage

Sharia Banking

•Murabahah

•Mudharabah

•Musyarakah

•Qardh

•Istishna

Business Dec - 10 Dec - 09

Conventional 93.23% 96.39%

Sharia 6.77% 3.61%

Consumer Banking 72.74% 76.49%

Commercial Banking 16.55% 16.63%

Micro Banking 10.71% 6.88%

TOTAL 100% 100%

Conventional

The big 3 Debtors

No Debtor Location Business Sector Outstanding

per Dec 10

1 PT. Telekomunikasi

Indonesia, Tbk

Bandung Telecommunication 300 Bio

2 PT. Permodalan Nasional

Madani

Jakarta Finance 327 Bio

3 PT. Semesta Marga Raya Jakarta Construction 95,18 Bio

Consumer Banking

• bank bjb have a strong customerbased in consumer banking, per 31Dec 2010, 72,74% of total loan bookare contributed by consumer loan.

• Kredit Multiguna Bhakti is our mainconsumer banking product, This ismultipurposes loan mainly for CivilServants and others fixed incomeemployees. This segment are quitesafe as our function to distributetheir payroll.

• Currently bank bjb has varietyproduct in consumer loan, we havealso mortgage loan, namely KPRMultigriya, and we plan to launchcar loan by this year (2011).

Resume

Interest Rate 9% - 12% pa flat

Loan Period 10 years max

Collateral Non

Insured Yes

Funding Product on Consumer Banking

Tandamata

Tandamata Gold

Tandamata Bisnis

Tandamata Haji

Tabunganku

Simpeda

• bank bjb has micro loan product called Kredit Mikro Utama, we had starting to disburse

Kredit Mikro Utama at the end of 2007.

• Kredit Mikro Utama has competitive advantages in the micro market, we always develop

this product to enhance its portfolio and asset quality.

• To accelerate and monitoring Kredit Mikro Utama, we have 3 persons in every branches

and sub branches to maintain this product, they are 1 person for analyst, 1 person for

marketer, and 1 person for collector.

• Kredit Mikro Utama’s summary are as follows:

Resume

Interest Rate 14% pa flat

Periode Max 5 years for Investment

Max 3 Years for Working Capital

Segment Micro Player

Collateral Yes

Insured Yes

Loan Assesment Credit Scoring

Micro Banking

Commercial Banking

• bank bjb provide some loans and services for commercial segment.

• Currenty we manage more than Rp. 3,6 T loan portfolio in this kind of market.

• These are some product of commercial banking :

• In this 2011, we are developing some new product such as :

Working Capital Investment ConstructionSyndicated

Loan

Cash ManagementCash Management

Payment Point Online Banking (PPOB)Payment Point Online Banking (PPOB)

Samsat OutletSamsat Outlet

Smart Merchant / Smart EDCSmart Merchant / Smart EDC

School Fee Payment ServicesSchool Fee Payment Services

Strategy

Increasing funding’s market

share and restructuring its

composition

• Optimizing deposits growth in

order to increase market shares

of deposits.

• Developing customer oriented

products and services

• Improving services quality

• Improving any researchs which

related on expanding

distribution network

Increasing loan’s

market share

• Accelerating the bank function as

intermediary

institution

• Optimizing loans

growth in order to

increase loans

market shares

• Developing loans distribution

network

Management development

in order to support

business growth

• Improving quality and

quantity of planning

strategy

• Organization development

• Extending quantity and

quality of Human Capital

• IT system development

• Optimalization in

expanding of subsidiaries

company

• Improving operational

services

Internal control and

GCG’s

implementation

• Improving Risk

Management’s

implementation

• Improving internal

control through Risk

Based Audit

• Improving GCG’s

implementations

Achievements

• Bandung Service Excellence Award, The Best Bandung Service

ExcellenceChampion, Category: Conventional Banking

• Investor Award, Best CEO, Category: Regional Bank

• Infobank Platinum Award for BPD (1st Best ATM, 1st Best Security, 2nd

Best Phone Handling, 3rd Overall performance)

• Tempo Award, The Best performance Award of Indonesian Bank

(Regional Dev. Bank Award)

• Bisnis Indonesia, The Best Regional Development Bank

• Bisnis Indonesia, Efficiency Award

• Kriya Pranala Mahakarya, Most active bank in linkage program

• Bisnis Indonesia, Efficiency Awards• Infobank Award, Very good on Financial Report

2008

2009

2010

Bond Issue

• At the end of 2010 we also prepare for 7th bond issue for

amount Rp. 2 T

• 7th bank bjb’s bond was listed on February 10th 2011 in three

series as follows:

Series Tenor (years) Amount Interest

A 3 276 bio 9,2%

B 5 601 bio 10,2%

C 7 1,123 bio 10,4%

Asset Buy

• We buy civil servants outstanding loan from

others BPDs (Regional Development Bank)

starts November 2010

• Per 31 Dec 2010, we’ve buy for Rp. 466,644

Bio, (which come from 2 banks).

Q & A