Q2 2021

Corporate PresentationPT Bank KB Bukopin Tbk

Transformation Towards The New Bukopin

I. KB Bukopin Profiles: Shares, Outlets, Rating, JourneyII. KB Kookmin Bank as the Controlling ShareholderIII. Transformation: Rebranding, Continuing Phases, SynergiesIV. Highlights of Financial Performance and Business Strategies

Disclaimer

This presentation material was prepared by PT Bank KB Bukopin Tbk (hereinafter referred to as "Bank KB Bukopin“, “BBKP“, or“The Company” independently and circulated for general information purposes only. It is not intended for certain people whomight receive this material firsthand. No guarantee (expressed or implied) is made for the accuracy or completeness of theinformation. Some of the statements contained in this document contain the achievement of reports relating to financialconditions, business and business results, and related plans and objectives. This material does not directly or exclusively relate tofacts in the past. This material also does not directly or exclusively reflect both plans, expectations, assumptions and beliefsabout events that will occur in the future of the Company. There are uncertainties, known and unknown risks from this reportthat can cause results, performance or events to differ materially from the original report. This is not just a statement and mustnot be interpreted as a representation of the Company's future performance. Readers are advised to look at all the statementslisted here carefully.

IDR 7.800

IDR 1.511 IDR 1.429 IDR 1.075 IDR 891

KB BRI Mandiri BCA BNI

The Controlling Shareholder with #1 Market Share in Korea

Comparison of total assets with banks in Indonesia

Expansive Channel

1,574

26,265

Distribution Channel

EmployeesRanked No. 1#1 for 4 consecutive years in mandated Lead Arranger & Book runner

#1 market share in internet & mobile banking

#1 retail mortgage lender & deposit volume

35 millionsSolid Customer Base

(66% of Korean Population)

1,795 branchesThe most extensive business network

including 1,003 KB Kookmin Bank branches

(the largest network in Korea)

IDR7,800++ trillionsThe largest Financial Institution in Korea

with total assets of IDR7.800++ trilions

(trillion Rupiah)

Data as of 31 December 2020

KB Kookmin Bank

Distribution Channels

• Total 1,259 distribution channels in Indonesia• Operating in 25 Provinces• Exist in 46 Cities from Aceh to Sorong• 43 main branch offices• 172 supporting branch offices• 846 ATMs• Supported by 5.009 employees

Shares & Rating

KB Bukopin (National Rating)

Fitch Rating

Pefindo

idAAA (outlook stable)

idAA (outlook stable)

Moody’s

S&P

Long Term A1

Long Term A

KB Financial Group (International Rating)

Short Term P-1

Outlook Stable

Short Term A-1

Outlook Stable

Moody’s

S&P

Long Term A1

Long Term A

KB Kookmin Bank (International Rating)

Short Term P-1

Outlook Stable

Short Term A-1

Outlook Stable

Fitch Rating

Long Term A

Short Term F1

Outlook Negative

182

400

0

200

400

600

800

0

2E+09

4E+09

6E+09

8E+09

29/06/2020 29/09/2020 29/12/2020 29/03/2021

Volume Price

Shareholder Status Shares Ownership

Foreign Institution 23,433,002,006 71.72%

Domestic Institution 3,011,675,518 9.21%

Foreign Retail 17,381,800 0.05%

Domestic Retail 4,443,629,219 13.60%

Government 1,038,968,631 3.18%

Cooperation 610,665,286 1.87%

Others 117,928,734 0.36%

KB Bukopin Ownership

Volume Price

Largest group in Korea, KB now with Bukopin come together to understand you more

Prioritizing honesty, discipline, and

commitment to build customer trust

Integrity

Proficient in carrying out tasks and making

continuous improvements to always be the best

Competent

Caring for mutual progress

Care

Take full responsibility and master the work to achieve the best results

Accountable

Able to think out of the box and never give up in

facing challenges and obstacles

Never Give Up

Corporate Culture

Embedded values in achieving our vision

June 30th 2020The Financial Services Authority (OJK) issues an Effective Approval Letter for the implementation of Limited Public Offering (PUT) V

Journey Towards KB Bukopin

During the LPO V, KB KookminBank exercised its rights and additional shares order, ownership increased to 33,9%

July 14th – 30th 2020Approval from the OJK Board of Commissioners for KB Kookmin Bank as the Controlling Shareholder and KB Financial Group (KBFG) as the Ultimate Shareholder

July 30th 2020 September 2nd 2020

December 22nd 2020

Regulators (BI and OJK) approved the application for changes in

the name & logo of KB Bukopin

February 8th 2021February 23rd 2021

The Company publishes in the National Newspaper on the change of name and logo in

accordance with the provisions of the Regulator

PMTHMETD implementation, KB Kookmin Bank's share ownership increased to 67% and Issuance of New Shares of 16,360,578,947 shares

Shareholders approved the change of name and logo to KB Bukopin

June 17th 2021

GMS Approval of LPO VI

Rebranding : Marketing Collaterals with Fresh Look

Rebranding : Customer Gathering Roadshows

Surabaya, 5 March 2021 Bandung, 17 March 2021 Makassar, 23 March 2021

Denpasar, 25 March 2021 Medan, 29 March 2021

Jakarta, 10 March 2021

Bogor, 27 March 2021(Wholesale Customer Golf

Event)

HR

Good Bank

Credit Process

Accounting

Bad Bank

Rebranding

• Establishment of the Korean Link group to optimize the KB network in Indonesia;

• Deposits from Korean Link customers reached Rp. 2.6 trillion in the first 5 months;

• Continuous improvement and innovation for product and service development

• Implementation of credit process improvements (committee, review, repayment)

• Increasing the role of risk management for improving business and operational processes

• The formation of the Bad Bank group that focuses on managing and improving non-performing assets

• Decrease in Foreclosed Assets (AYDA)

• Implementation of financial standards in accordance with the implementation in KBFinancial Group, consolidated financial statements with the parent entity, KB Kookmin Bank

• Increased provision for credit risk mitigation

• The name and logo changes will be officially announced 23 February 2021

• Rebranding and customer meeting socialization roadshows in 6 cities, in March 2021

• Gradual replacement of visual attributes, launch of new marketing campaigns

• Allocation of junior and senior management with the competencies and expertise neededto drive transformation across all lines, supported by mentoring from the KB Kookmin Bankteam.

Complete Transformation

➢ Korean Companies in Indonesia➢ Many segments / line of business➢ Top 5 Investors in Indonesia➢ Strong KB brand to support expansion of business

in KB Bukopin ➢ Support for more Indonesian-Korean partnerships

➢ KB Bukopin aims as the most preferred Korean bank in Indonesia, partners for all local & global business

➢ Diversified customers and networks in Indonesia➢ Wide range of products and services ➢ Combined KB global brand with Bukopin local

wisdom

To become operational bank for Korean companes in Indonesia

Korean Linked Business

As of June 2021➢ Asset Rp77,14 T ➢ Outlet ➔ 1,259 channels in

25 Provinces

“Broadest Network & Complete Transactional Banking Ecosystem for

Korean bank”

Strengthening Synergies

Opportunities

• Retail Customer Focus• Wide Distribution Channel• Strategic Partners• Part of KB Financial Group• KB Kookmin Bank full support as

Controlling Shareholder

• Retail Segment Potential inIndonesia still growing

• Customer behavior in digitaltransactions

• Korean Link business• Collaboration with Fintech Startup• Financial Inclusion

Strengths

Strategy Towards 2023

Capital Management

Asset Quality

FundingRetail

SegmentProfitability Productivity

• Increase capability• Create value proposition

through customer centric

• Acquire Customer Trust• Change Funding Structure

• Bad Bank Transformation• Collection & Restructure• Foreclosed Asset Sales &

Recovery WO

• Subordinated Bond• Limited Public Offering• Capital Efficiency

• Improve NIM• Improve FBI• Efficiency

• Point of sales• Improve Loan Process

TOTAL DOWNLOADER TOTAL TRANSACTION

35.980

SNAPSHOT AS OF 30 JUNE 2021

Digital Banking Acceleration

• One Branch One Operation Bank Program

• Branch Transfromation : utilization of Cash Recycling Machine (CRM)

• Digital Transformation Program

• Complete Technology and Robust Digital Platform to quickly connect with business partnes partners

•Transaction Account : special product for transaction business

•Cardless withdrawal•Foreigners account opening

using Wokee with simple process

• Strategize & develop the use of Advanced Data Analytics (Big Data)

• Personalized Product and Services : Develop a customer journey map for the products and service

• Integration Wokee & SiAga Apps

• Indonesia Standard for QR Payment

• Simplify KYC process

• Partnership & Financial Solutions Ecosystem

• Enhance Transaction Business

Wokee – Digital Savings AppLong TermShort Term

239.206

154,97%

TOTAL ACCOUNT

MAIN ACCOUNT

66.722

50.484

16.238

INTEREST & SUB ACCOUNT

14

01December 2017

Wokee officialy launched

03January 2020QRIS initiation from Bank

IndonesiaMarch 2019

Wokee can transact using02

LAUNCHING WOKEE KB BUKOPIN

Wokee MilestoneMay 2021

Financial Performance: December 2020

Third Party Funds

Assets

Loans

Equity

IDR41.98trillion

IDR76.76trillion

IDR56.87trillion

IDR8.37trillion

CAR12.08%

NPL net4.95%

LDR135.46%

NIM0.66%

395

906

(2,536)

(3.226)

NII FBI Overhead Cost Net Income( in trillion rupiah)

❑ Focus on internal improvements and the transformation

process starting September 2020, with further developments

expected in 2021

❑ Increased risk mitigation to anticipate credit risk, by increasing

the Allowance for Impairment Losses (CKPN) to Rp 4.7

trillion, an increase of 175% compared to December 2019

❑ Further recovery and improvement in 2021: decrease in NPL,

decrease in cost of funds, increase in customer deposits

(DPK), plan to increase capital

❑ Korean Desk in Wholesale Banking has been active since

October 2020

Financial Performance: June 2021

Third Party Funds

Assets

Loans

Equity

IDR44.47trillion

IDR77.14trillion

IDR54.89trillion

IDR8.82trillion

CAR12.57%

NPL net4.92%

LDR123.42%

NIM1.17%

390

(152)

(1.282)

153

NII FBI Overhead Cost Net Income

( in trillion rupiah)

5.93%

0.50%

-3.48%

5.38%

❑ Improvements in various aspects

compared to the position in June

2021

❑ An increase in TPF followed by a

decrease in the cost of funds and

focus on design new product and

marketing program to attract new

customer

❑ Accelerate collection activity and

strategic sales of bad loan

❑ Business and operational process

improvement

❑ Increased synergy

❑ Fundamental strengthening

through the plan to issue

subordinated securities (Sub

Debt) and LPO in 2021

Board of CommissionersAs of EGMS June 2021

*Effective upon approval by OJK**Effective upon approval by OJK and other prevailing regulations

Bo Youl OhIndependent President

Commissioner

Sapto Amal DamandariIndependent Vice President

Commissioner

Nam Hoon ChoCommissioner**

Nanang SupriyatnoCommissioner*

SusiwijonoCommissioner

Stephen LiestyoIndependent

Commissioner*

Hae Wang LeeIndependent

Commissioner**

Tippy JoesoefIndependent

Commissioner*

Board of DirectorsAs of EGMS June 2021

Chang Su ChoiPresident Director

Hari WuriantoChief Compliance Officer

Helmi FahrudinChief Operation Officer

Dodi WidjajantoChief Wholesale Officer*

Ji Kyu JangChief Strategic Officer**

Seng Hyup ShinChief Financial Officer**

Iwan DharmawanDirector*

Yohanes SuhardiDirector*

Robby MondongDeputy President Director*

*Effective upon approval by OJK**Effective upon approval by OJK and other prevailing regulations

Awards & Recognizitions

Gatra AwardsSosok yang mengakselerasi Proses Adaptasi

dan Transformasi Bisnis MewujudkanResiliensi Sosial Ekonomi Masyarakat

Econimic Review2nd Best Indonesia Operational Excellence

Category Bank BUKU III Assets under IDR100 trillion

Info BrandIndonesia TOP Digital Public Relations

IconomicsIndonesia’s most popular digital

financial brand (Milenial’s Choise)

Economic Review2nd The Best Good Corporate Governance

AwardCategory Bank BUKU III Assets under IDR100

trillion

For further information, contact your representative or contact us :

Investor Relations UnitCorporate Secretary DepartmentPT Bank KB Bukopin TbkBank Bukopin Headquarters, 1st FloorJl. MT. Haryono Kav. 50-51, Jakarta – Indonesia 12770E-mail : investor.relations@kbbukopin.com

Thank You

Website references :Bank KB Bukopin https://www.kbbukopin.comKB Kookmin Bank https://www.kbstar.comKB Financial Group https://www.kbfg.com