bjtm company performance 9m18 · judul ir bjtm table of contents 2 description page agenda cover...

1IR BJTM

BJTM COMPANY PERFORMANCE 9M18

judul

IR BJTM

Table of Contents

2

Description Page

Agenda Cover

Table of Contents 2

Overview 2018 3 ndash 5

Business Plan 2018 6 ndash 8

Appendix 9 ndash 34

- Macro Economy Review 10

- Balance Sheet Profit amp Loss 11 ndash 14

- Financial Ratio 15

- Third Party Fund Loan amp NPL 16 ndash 19

- Strategy Implementation 20 ndash 22

- Management 23 ndash 25

- Strength 27 ndash 34

Contact 35

IR BJTM

OVERVIEW

3

judul

IR BJTM

Balance SheetIn million Rp

9M17 9M18 YoY

Asset 53837669 63427447 1781

Loan 30696964 33073299 774

- Commercial 6853404 7081576 333

- SME 4819470 4966003 304

- Consumer 19024089 21025720 1052

Third Party Fund 43987520 52842744 2013

- Current Account 16253451 19188237 1806

- Saving Account 13608183 16272858 1958

- Time Deposit 14125885 17381649 2305

Profit amp LossIn million Rp

9M17 9M18 YoY

Interest Income 3589269 3740411 421

Interest Expense (962041) (1008375) 482

Net Interest Income 2627227 2732036 399

Provision for Impairment (144883) (73838) -4904

Net profit 1013778 1059811 454

Ratio 9M17 9M18 Ratio 9M17 9M18

ROA 361 338 BOPO 6489 6486

ROE 2051 2020 CAR 2285 2335

NIM 682 638 COF 234 307

LDR 6979 6259 CASA 6789 6711

Financial Performance

In million Rp 4

IR BJTM

Collectibility 5

Collectibility 4

Collectibility 3

Collectibility 2

Collectibility 1

Loan Impairment Loan Impairment

1403 1236 1324 115555 29 52 27

53 27 30 16

526 40 600 40

28660

57

31067

62

Loan amp Impairment CompositionNPL

Information9M17 9M18

NPL Gross 492 425

NPL Net 072 063

Coverage Ratio

9187 9236

Credit Cost 063 030

Consumerrsquos NPL

037 025

Commercialrsquos NPL

1626 1445

SMErsquos NPL 679 667

9M17

In Billion Rp

Non Performing Loan

5

NPLbull Extracomptable or write-off collection 58 billion rupiah

9M18

IR BJTM

BUSINESS PLAN 2018

6

IR BJTM

Business Plan

7

Description

Growth

2015 2016 2017 2018 E

Total Asset 1265 054 1972 850

Loan 846 445 701 1065

Third Party Fund 1319 -428 2148 1000

Pre Tax Profit -833 1513 1273 500

Financial Ratio

- CAR 2122 2388 2465 2281

- LDR 8292 9048 7969 8105

- NPL Gross 429 477 459 370

- NIM 641 694 668 646

- BOPO 7611 7222 6863 6838

- ROE 1611 1782 1743 1948

- ROA 267 298 312 301

IR BJTM

Network 2011 2012 2013 2014 2015 2016 2017 9M18

NETWORK

PLAN

2018

SHARIA

PLAN

2018

Head Office 1 1 1 1 1 1 1 1 1

Branch Office 41 41 41 43 45 47 48 48

Sub Branch

Office67 81 107 153 165 166 166 168 7 6

Cash office 164 164 176 165 185 190 199 201 13 1

Sharia service

office47 47 47 97 97 191 191 191

Payment Point 115 138 155 167 171 181 190 207 22

Mobile cash 61 63 65 68 71 85 88 88 9

CDM 1 1 1 2 2 2 2 2

ATM 262 368 479 595 688 703 723 746 70 10

Total network 759 904 1072 1291 1425 1566 1608 1652

ldquoLaku Pandairdquo Agent

(Branchless Banking) 214 255

Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - -

550475475475

425425425525

575

430

838836

335

445

302361

437

372361340312288

BI 7-Day RR INFLASI

36644114 4092 4413 4403 4526 4580 4782 4789 5029

33203707

44134837 4917 5046 5143 5289 5293 5399

FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18

in trillion Rp

LOAN FUND

558502 479 490 501 501 506 507 506 527

608586

544 550 537 503 516 545 550 557


INDONESIA EAST JAVA

Economic Growth Economic Share

Indonesia Java

JAVA

59 Java

22 Sumatra

3 Bali amp Nusa Tenggara

6 Sulawesi

8 Kalimantan

3 Maluku amp Papua

East Java

29 DKI Jakarta

25 East Java

23 West Java

15 Central Java

7 Banten

1 DIY

Source Bank Indonesia

Macro Economy Review

10

IR BJTM 11

InformationIn million Rp

9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789

Placement BI amp SBI 15617171 16042098 272 1958953 3616591 54739 -9721 -9849

Loan 30696964 33073299 774 207476 710805 954995 36029 3435

Allowance for Impairment Losses

(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279

Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642

- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922

- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521

- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671

Equity 7563351 8217326 865 303319 381431 302832 -016 -2061

Balance Sheet

IR BJTM 12


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD

Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312

Placement BI amp SBI 12630 11699 11703 12371 14204 14846 15987 13290 13854 16042 2701

Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415


(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681

Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262

- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987

- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269

- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490

Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513

Monthly Balance Sheet

IR BJTM 13


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540

Interest Expense (962041) (1008375) 482 (357087) (348452) (361004) 110 360

Nett Interest Income 2627227 2732036 399 888561 901306 956296 762 610

Non Interest Operational Income

336346 367481 926 90370 122208 130550 4446 683

Non Interest Operational Expense

(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074

Provision for Impairment Losses

(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833

Nett Non Interest Operational Income (Expense)

(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786

Operational Profit 1378363 1443458 472 409738 509987 416807 173 -1827

Non Operational Profit 9695 19321 9928 (724) 960 15702 -226809 153578

Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535

Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113

Net profit 1013778 1059811 454 291674 381431 301535 338 -2095

Profit Loss

IR BJTM 14

Monthly Profit Loss


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18

Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740

Interest Expense (1315) (98) (189) (299) (412) (532) (647) (764) (884) (1008)

Nett Interest Income 3514 292 576 874 1165 1478 1776 2092 2422 2732


442 29 73 115 163 204 237 283 314 367


(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)


(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)


(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)

Operational Profit 1655 172 343 517 671 841 1027 1142 1264 1443

Non Operational

Profit(18) 3 3 3 3 3 4 4 16 19

Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463

Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)

Net profit 1159 128 254 377 489 612 758 842 928 1060

IR BJTM

Financial Ratio

15

ROA ROE NIM LDR CAR BOPO

2010 558 4057 917 8070 1919 5958

2011 497 3365 795 8011 1653 6002

2012 334 1896 648 8355 2656 6869

2013 382 1904 714 8498 2372 7028

2014 352 1898 690 8654 2217 6963

2015 267 1611 641 8292 2122 7611

3M16 380 2349 683 6811 1946 6532

1H16 318 2087 669 7264 2065 7056

9M16 309 2014 670 7197 2243 7115

FY16 298 1782 694 9048 2388 7222

3M17 396 2071 718 7062 2230 6262

1H17 393 2217 698 7226 2255 6260

9M17 361 2051 682 6979 2285 6489

FY17 312 1743 668 7969 2465 6863

3M18 388 2150 657 6980 2294 5988

1H18 367 2187 641 6486 2308 6140

9M18 338 2020 638 6259 2335 6486

22210 27416 25987

35479 30270

42681 43754

34263 41506 40302 41165

32799

41479 42196 43988 39845

44998 49517

52843

20000

30000

40000

50000

60000

FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18

Third Party Fund

IR BJTM

Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18

Government 11319 14258 2597 2573 2698 1204106 1218614

Private 4935 4930 -009 1122 933 833 701

Total 16253 19188 1806 3695 3631 2740 2723

Saving Account

Simpeda 10295 11989 1645 2340 2269 55 61

Siklus 1672 2119 2674 380 401 86 85

Tab Haji 226 244 799 051 046 17 18

TabunganKu SimPel 1264 1729 3681 287 327 04 05

Barokah 151 192 2683 034 036 62 67

Total 13608 16273 1958 3094 3079 26 28

Time Deposit

lt 3 Month 13688 17095 2489 3112 3235 3375 3699

gt 6 Month 438 287 -3461 100 054 1277 972

Total 14126 17382 2305 3211 3289 3211 3535

Funding Growth Composition

Third Party Fund

Ticket Sizein million

in billion

16

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000

1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18

Loan

IR BJTM

CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18

Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900

Lending Growth Composition

Loan


in billion

17

IR BJTM 18

LOAN FY14 ndash 9M18

CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18

Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18

FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18

NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM

STRATEGY IMPLEMENTATION

20

IR BJTM 21

LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food

Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing

ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement

bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee

bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing

THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank

Jatimbull Developing products based on Customer Need

- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer

bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association

Strategy

IR BJTM 22

Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer

1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk

bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services

bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services

bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable

bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah

NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion

Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning

restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-

cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or

partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court

bull Handling of core debtors NPL specifically

Strategy

IR BJTM

MANAGEMENT

23

IR BJTM

Board of Commissioners

Candra Fajri AnandaIndependent Commissioner

Education

Doctor of Rural Development

University of Gottingen Germany

Experience

-Brawijaya University Lecturer

-Supervisory Board of

Indonesia Central Bank

-Finance Minister Economist

Currently

Professor in Economics Faculty

Brawijaya University

Budi SetiawanCommissioner

Education

Doctor of Economics


Malang

Experience

East Java Government

Currently

Head of East Java Regional

Development Planning

Akhmad SukardiPresident Commissioner

Education

Doctor of Business Administration

17 Agustus 1945 University

Surabaya

Experience


Currently

East Java

Regional Secretary

24

Rudi PurwonoIndependent Commissioner

Education

Doctor of Economics

Indonesia University

Jakarta

Experience

-Airlangga University Lecturer


-SOE Bank Regional Chief Economist

Currently

Airlangga Univ Vice Dean

Payment Board East Java Gov

Regional Research Board Gov

IR BJTM

Board of Directors

R SoerosoPresident Director

Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM

Ferdian Timur SFinance Director

Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim

Tony SudjiaryantoRetail Consumer amp

Sharia Business

Director

Experience

Credit Division Head

Special Credit Division

Head

Treasury Division Head

Bank Jatim

SuuacutediMedium amp Corporate

Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim

Rudie HardionoOperational

Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25

Hadi SantosoCompliance amp

Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim

Rizyana MirdaRisk Management

Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49

TOTAL ASSET (Rp Tril)

INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)

CAGR =

917

CAGR =

1109

CAGR =

559

NET PROFIT (Rp Tril)

THIRD PARTY FUND(Rp Tril)

CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232

Compound Annual Growth Rate

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89

Current account Saving deposit Time deposit

300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365

Cost of Fund(+) Local Government (-) Local Government

IR BJTM 28

Strength of Funding

Loan balance 5696 of total loan

NPL 025 as of Septrsquo 2018

567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820


MULTIGUNA TICKET SIZE

13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840


MULTIGUNA LOAN BALANCE

million Rp

billion Rp

IR BJTM 29

Strength of Loan (Multipurpose)

IR BJTM 30

No DATA Seprsquo2017 Seprsquo2018

1 Board of Commisioner 5 3

2 Board of Sharia Supervisory 3 3

3 Board of Director 5 7

4 Management 1 25 31




8 Staff of Administration 2067 2635

9 Staff Non Administration 318 315

10 Non Permanent 857 121

11 Outsource 1972 2000

Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year

Payment of Dividend Cash Per Share (IDR)

Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696

BJTM Price Seprsquo28 2018IDR 650 share

PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18

Average Price and Foreign Holders Movement (B Series)

Average Monthly Price

IR BJTM

32

B Series Investor 9M17 9M18

Foreign Investor 6283 6496

Domestic Investor 3717 3504

No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216

10 SAUDI ARABIA 08483

11 BELANDA 05446

B Series Investor Composition

Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp

Municipal Government

2842

(B Series)Public

Domestic712

(B Series)Public Foreign

1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513

16 KOREA SELATAN 01295

17 CINA 00539

18 MALAYSIA 00322

19 BRUNEI DARUSSALAM 00140

20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33

Competitive Products

Mobile Banking Bank Jatim

Regional Development Bank

Good Financial Performance

Top Human Capital Learning

2017

Go Public Company

GCG Award 2017

Top BPD 2017 Active Role as Resi Gudang

Lending

IR BJTM 34

Award

The Higher Bank that Disbursing

FLPP Fund

35IR BJTM

Investor Relations (IR)(031) 5310090 ext 463

Email irubankjatimcoid

judul

IR BJTM

Table of Contents

2

Description Page

Agenda Cover

Table of Contents 2

Overview 2018 3 ndash 5

Business Plan 2018 6 ndash 8

Appendix 9 ndash 34

- Macro Economy Review 10

- Balance Sheet Profit amp Loss 11 ndash 14

- Financial Ratio 15

- Third Party Fund Loan amp NPL 16 ndash 19

- Strategy Implementation 20 ndash 22

- Management 23 ndash 25

- Strength 27 ndash 34

Contact 35

IR BJTM

OVERVIEW

3

judul

IR BJTM


9M17 9M18 YoY

Asset 53837669 63427447 1781

Loan 30696964 33073299 774

- Commercial 6853404 7081576 333

- SME 4819470 4966003 304

- Consumer 19024089 21025720 1052

Third Party Fund 43987520 52842744 2013

- Current Account 16253451 19188237 1806

- Saving Account 13608183 16272858 1958

- Time Deposit 14125885 17381649 2305


9M17 9M18 YoY





Net profit 1013778 1059811 454


ROA 361 338 BOPO 6489 6486

ROE 2051 2020 CAR 2285 2335

NIM 682 638 COF 234 307

LDR 6979 6259 CASA 6789 6711


In million Rp 4

IR BJTM

Collectibility 5

Collectibility 4

Collectibility 3

Collectibility 2

Collectibility 1


1403 1236 1324 115555 29 52 27

53 27 30 16

526 40 600 40

28660

57

31067

62



NPL Gross 492 425

NPL Net 072 063

Coverage Ratio

9187 9236

Credit Cost 063 030

Consumerrsquos NPL

037 025


1626 1445


9M17

In Billion Rp

Non Performing Loan

5


9M18

IR BJTM

BUSINESS PLAN 2018

6

IR BJTM

Business Plan

7

Description

Growth

2015 2016 2017 2018 E

Total Asset 1265 054 1972 850

Loan 846 445 701 1065

Third Party Fund 1319 -428 2148 1000

Pre Tax Profit -833 1513 1273 500

Financial Ratio

- CAR 2122 2388 2465 2281

- LDR 8292 9048 7969 8105

- NPL Gross 429 477 459 370

- NIM 641 694 668 646

- BOPO 7611 7222 6863 6838

- ROE 1611 1782 1743 1948

- ROA 267 298 312 301

IR BJTM

Network 2011 2012 2013 2014 2015 2016 2017 9M18

NETWORK

PLAN

2018

SHARIA

PLAN

2018

Head Office 1 1 1 1 1 1 1 1 1

Branch Office 41 41 41 43 45 47 48 48

Sub Branch

Office67 81 107 153 165 166 166 168 7 6

Cash office 164 164 176 165 185 190 199 201 13 1

Sharia service

office47 47 47 97 97 191 191 191

Payment Point 115 138 155 167 171 181 190 207 22

Mobile cash 61 63 65 68 71 85 88 88 9

CDM 1 1 1 2 2 2 2 2

ATM 262 368 479 595 688 703 723 746 70 10

Total network 759 904 1072 1291 1425 1566 1608 1652



Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - -

550475475475

425425425525

575

430

838836

335

445

302361

437

372361340312288

BI 7-Day RR INFLASI

36644114 4092 4413 4403 4526 4580 4782 4789 5029

33203707

44134837 4917 5046 5143 5289 5293 5399


in trillion Rp

LOAN FUND

558502 479 490 501 501 506 507 506 527

608586

544 550 537 503 516 545 550 557


INDONESIA EAST JAVA


Indonesia Java

JAVA

59 Java

22 Sumatra


6 Sulawesi

8 Kalimantan

3 Maluku amp Papua

East Java

29 DKI Jakarta

25 East Java

23 West Java

15 Central Java

7 Banten

1 DIY



10

IR BJTM 11


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789


Loan 30696964 33073299 774 207476 710805 954995 36029 3435


(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279

Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642

- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922

- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521

- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671

Equity 7563351 8217326 865 303319 381431 302832 -016 -2061

Balance Sheet

IR BJTM 12


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD

Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312


Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415


(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681

Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262

- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987

- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269

- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490

Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513


IR BJTM 13


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540




336346 367481 926 90370 122208 130550 4446 683


(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074


(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833


(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786



Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535

Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113

Net profit 1013778 1059811 454 291674 381431 301535 338 -2095

Profit Loss

IR BJTM 14

Monthly Profit Loss


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18

Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740




442 29 73 115 163 204 237 283 314 367


(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)


(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)


(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)


Non Operational

Profit(18) 3 3 3 3 3 4 4 16 19

Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463

Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)

Net profit 1159 128 254 377 489 612 758 842 928 1060

IR BJTM

Financial Ratio

15


2010 558 4057 917 8070 1919 5958

2011 497 3365 795 8011 1653 6002

2012 334 1896 648 8355 2656 6869

2013 382 1904 714 8498 2372 7028

2014 352 1898 690 8654 2217 6963

2015 267 1611 641 8292 2122 7611

3M16 380 2349 683 6811 1946 6532

1H16 318 2087 669 7264 2065 7056

9M16 309 2014 670 7197 2243 7115

FY16 298 1782 694 9048 2388 7222

3M17 396 2071 718 7062 2230 6262

1H17 393 2217 698 7226 2255 6260

9M17 361 2051 682 6979 2285 6489

FY17 312 1743 668 7969 2465 6863

3M18 388 2150 657 6980 2294 5988

1H18 367 2187 641 6486 2308 6140

9M18 338 2020 638 6259 2335 6486

22210 27416 25987

35479 30270

42681 43754

34263 41506 40302 41165

32799

41479 42196 43988 39845

44998 49517

52843

20000

30000

40000

50000

60000


Third Party Fund

IR BJTM


Government 11319 14258 2597 2573 2698 1204106 1218614

Private 4935 4930 -009 1122 933 833 701

Total 16253 19188 1806 3695 3631 2740 2723

Saving Account

Simpeda 10295 11989 1645 2340 2269 55 61

Siklus 1672 2119 2674 380 401 86 85

Tab Haji 226 244 799 051 046 17 18


Barokah 151 192 2683 034 036 62 67

Total 13608 16273 1958 3094 3079 26 28

Time Deposit

lt 3 Month 13688 17095 2489 3112 3235 3375 3699

gt 6 Month 438 287 -3461 100 054 1277 972

Total 14126 17382 2305 3211 3289 3211 3535


Third Party Fund


in billion

16

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000


Loan

IR BJTM


Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900


Loan


in billion

17

IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM

OVERVIEW

3

judul

IR BJTM


9M17 9M18 YoY

Asset 53837669 63427447 1781

Loan 30696964 33073299 774

- Commercial 6853404 7081576 333

- SME 4819470 4966003 304

- Consumer 19024089 21025720 1052

Third Party Fund 43987520 52842744 2013

- Current Account 16253451 19188237 1806

- Saving Account 13608183 16272858 1958

- Time Deposit 14125885 17381649 2305


9M17 9M18 YoY





Net profit 1013778 1059811 454


ROA 361 338 BOPO 6489 6486

ROE 2051 2020 CAR 2285 2335

NIM 682 638 COF 234 307

LDR 6979 6259 CASA 6789 6711


In million Rp 4

IR BJTM

Collectibility 5

Collectibility 4

Collectibility 3

Collectibility 2

Collectibility 1


1403 1236 1324 115555 29 52 27

53 27 30 16

526 40 600 40

28660

57

31067

62



NPL Gross 492 425

NPL Net 072 063

Coverage Ratio

9187 9236

Credit Cost 063 030

Consumerrsquos NPL

037 025


1626 1445


9M17

In Billion Rp

Non Performing Loan

5


9M18

IR BJTM

BUSINESS PLAN 2018

6

IR BJTM

Business Plan

7

Description

Growth

2015 2016 2017 2018 E

Total Asset 1265 054 1972 850

Loan 846 445 701 1065

Third Party Fund 1319 -428 2148 1000

Pre Tax Profit -833 1513 1273 500

Financial Ratio

- CAR 2122 2388 2465 2281

- LDR 8292 9048 7969 8105

- NPL Gross 429 477 459 370

- NIM 641 694 668 646

- BOPO 7611 7222 6863 6838

- ROE 1611 1782 1743 1948

- ROA 267 298 312 301

IR BJTM

Network 2011 2012 2013 2014 2015 2016 2017 9M18

NETWORK

PLAN

2018

SHARIA

PLAN

2018

Head Office 1 1 1 1 1 1 1 1 1

Branch Office 41 41 41 43 45 47 48 48

Sub Branch

Office67 81 107 153 165 166 166 168 7 6

Cash office 164 164 176 165 185 190 199 201 13 1

Sharia service

office47 47 47 97 97 191 191 191

Payment Point 115 138 155 167 171 181 190 207 22

Mobile cash 61 63 65 68 71 85 88 88 9

CDM 1 1 1 2 2 2 2 2

ATM 262 368 479 595 688 703 723 746 70 10

Total network 759 904 1072 1291 1425 1566 1608 1652



Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - -

550475475475

425425425525

575

430

838836

335

445

302361

437

372361340312288

BI 7-Day RR INFLASI

36644114 4092 4413 4403 4526 4580 4782 4789 5029

33203707

44134837 4917 5046 5143 5289 5293 5399


in trillion Rp

LOAN FUND

558502 479 490 501 501 506 507 506 527

608586

544 550 537 503 516 545 550 557


INDONESIA EAST JAVA


Indonesia Java

JAVA

59 Java

22 Sumatra


6 Sulawesi

8 Kalimantan

3 Maluku amp Papua

East Java

29 DKI Jakarta

25 East Java

23 West Java

15 Central Java

7 Banten

1 DIY



10

IR BJTM 11


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789


Loan 30696964 33073299 774 207476 710805 954995 36029 3435


(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279

Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642

- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922

- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521

- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671

Equity 7563351 8217326 865 303319 381431 302832 -016 -2061

Balance Sheet

IR BJTM 12


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD

Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312


Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415


(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681

Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262

- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987

- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269

- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490

Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513


IR BJTM 13


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540




336346 367481 926 90370 122208 130550 4446 683


(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074


(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833


(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786



Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535

Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113

Net profit 1013778 1059811 454 291674 381431 301535 338 -2095

Profit Loss

IR BJTM 14

Monthly Profit Loss


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18

Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740




442 29 73 115 163 204 237 283 314 367


(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)


(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)


(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)


Non Operational

Profit(18) 3 3 3 3 3 4 4 16 19

Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463

Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)

Net profit 1159 128 254 377 489 612 758 842 928 1060

IR BJTM

Financial Ratio

15


2010 558 4057 917 8070 1919 5958

2011 497 3365 795 8011 1653 6002

2012 334 1896 648 8355 2656 6869

2013 382 1904 714 8498 2372 7028

2014 352 1898 690 8654 2217 6963

2015 267 1611 641 8292 2122 7611

3M16 380 2349 683 6811 1946 6532

1H16 318 2087 669 7264 2065 7056

9M16 309 2014 670 7197 2243 7115

FY16 298 1782 694 9048 2388 7222

3M17 396 2071 718 7062 2230 6262

1H17 393 2217 698 7226 2255 6260

9M17 361 2051 682 6979 2285 6489

FY17 312 1743 668 7969 2465 6863

3M18 388 2150 657 6980 2294 5988

1H18 367 2187 641 6486 2308 6140

9M18 338 2020 638 6259 2335 6486

22210 27416 25987

35479 30270

42681 43754

34263 41506 40302 41165

32799

41479 42196 43988 39845

44998 49517

52843

20000

30000

40000

50000

60000


Third Party Fund

IR BJTM


Government 11319 14258 2597 2573 2698 1204106 1218614

Private 4935 4930 -009 1122 933 833 701

Total 16253 19188 1806 3695 3631 2740 2723

Saving Account

Simpeda 10295 11989 1645 2340 2269 55 61

Siklus 1672 2119 2674 380 401 86 85

Tab Haji 226 244 799 051 046 17 18


Barokah 151 192 2683 034 036 62 67

Total 13608 16273 1958 3094 3079 26 28

Time Deposit

lt 3 Month 13688 17095 2489 3112 3235 3375 3699

gt 6 Month 438 287 -3461 100 054 1277 972

Total 14126 17382 2305 3211 3289 3211 3535


Third Party Fund


in billion

16

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000


Loan

IR BJTM


Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900


Loan


in billion

17

IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



judul

IR BJTM


9M17 9M18 YoY

Asset 53837669 63427447 1781

Loan 30696964 33073299 774

- Commercial 6853404 7081576 333

- SME 4819470 4966003 304

- Consumer 19024089 21025720 1052

Third Party Fund 43987520 52842744 2013

- Current Account 16253451 19188237 1806

- Saving Account 13608183 16272858 1958

- Time Deposit 14125885 17381649 2305


9M17 9M18 YoY





Net profit 1013778 1059811 454


ROA 361 338 BOPO 6489 6486

ROE 2051 2020 CAR 2285 2335

NIM 682 638 COF 234 307

LDR 6979 6259 CASA 6789 6711


In million Rp 4

IR BJTM

Collectibility 5

Collectibility 4

Collectibility 3

Collectibility 2

Collectibility 1


1403 1236 1324 115555 29 52 27

53 27 30 16

526 40 600 40

28660

57

31067

62



NPL Gross 492 425

NPL Net 072 063

Coverage Ratio

9187 9236

Credit Cost 063 030

Consumerrsquos NPL

037 025


1626 1445


9M17

In Billion Rp

Non Performing Loan

5


9M18

IR BJTM

BUSINESS PLAN 2018

6

IR BJTM

Business Plan

7

Description

Growth

2015 2016 2017 2018 E

Total Asset 1265 054 1972 850

Loan 846 445 701 1065

Third Party Fund 1319 -428 2148 1000

Pre Tax Profit -833 1513 1273 500

Financial Ratio

- CAR 2122 2388 2465 2281

- LDR 8292 9048 7969 8105

- NPL Gross 429 477 459 370

- NIM 641 694 668 646

- BOPO 7611 7222 6863 6838

- ROE 1611 1782 1743 1948

- ROA 267 298 312 301

IR BJTM

Network 2011 2012 2013 2014 2015 2016 2017 9M18

NETWORK

PLAN

2018

SHARIA

PLAN

2018

Head Office 1 1 1 1 1 1 1 1 1

Branch Office 41 41 41 43 45 47 48 48

Sub Branch

Office67 81 107 153 165 166 166 168 7 6

Cash office 164 164 176 165 185 190 199 201 13 1

Sharia service

office47 47 47 97 97 191 191 191

Payment Point 115 138 155 167 171 181 190 207 22

Mobile cash 61 63 65 68 71 85 88 88 9

CDM 1 1 1 2 2 2 2 2

ATM 262 368 479 595 688 703 723 746 70 10

Total network 759 904 1072 1291 1425 1566 1608 1652



Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - -

550475475475

425425425525

575

430

838836

335

445

302361

437

372361340312288

BI 7-Day RR INFLASI

36644114 4092 4413 4403 4526 4580 4782 4789 5029

33203707

44134837 4917 5046 5143 5289 5293 5399


in trillion Rp

LOAN FUND

558502 479 490 501 501 506 507 506 527

608586

544 550 537 503 516 545 550 557


INDONESIA EAST JAVA


Indonesia Java

JAVA

59 Java

22 Sumatra


6 Sulawesi

8 Kalimantan

3 Maluku amp Papua

East Java

29 DKI Jakarta

25 East Java

23 West Java

15 Central Java

7 Banten

1 DIY



10

IR BJTM 11


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789


Loan 30696964 33073299 774 207476 710805 954995 36029 3435


(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279

Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642

- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922

- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521

- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671

Equity 7563351 8217326 865 303319 381431 302832 -016 -2061

Balance Sheet

IR BJTM 12


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD

Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312


Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415


(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681

Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262

- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987

- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269

- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490

Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513


IR BJTM 13


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540




336346 367481 926 90370 122208 130550 4446 683


(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074


(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833


(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786



Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535

Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113

Net profit 1013778 1059811 454 291674 381431 301535 338 -2095

Profit Loss

IR BJTM 14

Monthly Profit Loss


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18

Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740




442 29 73 115 163 204 237 283 314 367


(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)


(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)


(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)


Non Operational

Profit(18) 3 3 3 3 3 4 4 16 19

Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463

Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)

Net profit 1159 128 254 377 489 612 758 842 928 1060

IR BJTM

Financial Ratio

15


2010 558 4057 917 8070 1919 5958

2011 497 3365 795 8011 1653 6002

2012 334 1896 648 8355 2656 6869

2013 382 1904 714 8498 2372 7028

2014 352 1898 690 8654 2217 6963

2015 267 1611 641 8292 2122 7611

3M16 380 2349 683 6811 1946 6532

1H16 318 2087 669 7264 2065 7056

9M16 309 2014 670 7197 2243 7115

FY16 298 1782 694 9048 2388 7222

3M17 396 2071 718 7062 2230 6262

1H17 393 2217 698 7226 2255 6260

9M17 361 2051 682 6979 2285 6489

FY17 312 1743 668 7969 2465 6863

3M18 388 2150 657 6980 2294 5988

1H18 367 2187 641 6486 2308 6140

9M18 338 2020 638 6259 2335 6486

22210 27416 25987

35479 30270

42681 43754

34263 41506 40302 41165

32799

41479 42196 43988 39845

44998 49517

52843

20000

30000

40000

50000

60000


Third Party Fund

IR BJTM


Government 11319 14258 2597 2573 2698 1204106 1218614

Private 4935 4930 -009 1122 933 833 701

Total 16253 19188 1806 3695 3631 2740 2723

Saving Account

Simpeda 10295 11989 1645 2340 2269 55 61

Siklus 1672 2119 2674 380 401 86 85

Tab Haji 226 244 799 051 046 17 18


Barokah 151 192 2683 034 036 62 67

Total 13608 16273 1958 3094 3079 26 28

Time Deposit

lt 3 Month 13688 17095 2489 3112 3235 3375 3699

gt 6 Month 438 287 -3461 100 054 1277 972

Total 14126 17382 2305 3211 3289 3211 3535


Third Party Fund


in billion

16

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000


Loan

IR BJTM


Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900


Loan


in billion

17

IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM

Collectibility 5

Collectibility 4

Collectibility 3

Collectibility 2

Collectibility 1


1403 1236 1324 115555 29 52 27

53 27 30 16

526 40 600 40

28660

57

31067

62



NPL Gross 492 425

NPL Net 072 063

Coverage Ratio

9187 9236

Credit Cost 063 030

Consumerrsquos NPL

037 025


1626 1445


9M17

In Billion Rp

Non Performing Loan

5


9M18

IR BJTM

BUSINESS PLAN 2018

6

IR BJTM

Business Plan

7

Description

Growth

2015 2016 2017 2018 E

Total Asset 1265 054 1972 850

Loan 846 445 701 1065

Third Party Fund 1319 -428 2148 1000

Pre Tax Profit -833 1513 1273 500

Financial Ratio

- CAR 2122 2388 2465 2281

- LDR 8292 9048 7969 8105

- NPL Gross 429 477 459 370

- NIM 641 694 668 646

- BOPO 7611 7222 6863 6838

- ROE 1611 1782 1743 1948

- ROA 267 298 312 301

IR BJTM

Network 2011 2012 2013 2014 2015 2016 2017 9M18

NETWORK

PLAN

2018

SHARIA

PLAN

2018

Head Office 1 1 1 1 1 1 1 1 1

Branch Office 41 41 41 43 45 47 48 48

Sub Branch

Office67 81 107 153 165 166 166 168 7 6

Cash office 164 164 176 165 185 190 199 201 13 1

Sharia service

office47 47 47 97 97 191 191 191

Payment Point 115 138 155 167 171 181 190 207 22

Mobile cash 61 63 65 68 71 85 88 88 9

CDM 1 1 1 2 2 2 2 2

ATM 262 368 479 595 688 703 723 746 70 10

Total network 759 904 1072 1291 1425 1566 1608 1652



Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - -

550475475475

425425425525

575

430

838836

335

445

302361

437

372361340312288

BI 7-Day RR INFLASI

36644114 4092 4413 4403 4526 4580 4782 4789 5029

33203707

44134837 4917 5046 5143 5289 5293 5399


in trillion Rp

LOAN FUND

558502 479 490 501 501 506 507 506 527

608586

544 550 537 503 516 545 550 557


INDONESIA EAST JAVA


Indonesia Java

JAVA

59 Java

22 Sumatra


6 Sulawesi

8 Kalimantan

3 Maluku amp Papua

East Java

29 DKI Jakarta

25 East Java

23 West Java

15 Central Java

7 Banten

1 DIY



10

IR BJTM 11


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789


Loan 30696964 33073299 774 207476 710805 954995 36029 3435


(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279

Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642

- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922

- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521

- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671

Equity 7563351 8217326 865 303319 381431 302832 -016 -2061

Balance Sheet

IR BJTM 12


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD

Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312


Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415


(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681

Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262

- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987

- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269

- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490

Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513


IR BJTM 13


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540




336346 367481 926 90370 122208 130550 4446 683


(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074


(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833


(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786



Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535

Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113

Net profit 1013778 1059811 454 291674 381431 301535 338 -2095

Profit Loss

IR BJTM 14

Monthly Profit Loss


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18

Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740




442 29 73 115 163 204 237 283 314 367


(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)


(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)


(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)


Non Operational

Profit(18) 3 3 3 3 3 4 4 16 19

Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463

Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)

Net profit 1159 128 254 377 489 612 758 842 928 1060

IR BJTM

Financial Ratio

15


2010 558 4057 917 8070 1919 5958

2011 497 3365 795 8011 1653 6002

2012 334 1896 648 8355 2656 6869

2013 382 1904 714 8498 2372 7028

2014 352 1898 690 8654 2217 6963

2015 267 1611 641 8292 2122 7611

3M16 380 2349 683 6811 1946 6532

1H16 318 2087 669 7264 2065 7056

9M16 309 2014 670 7197 2243 7115

FY16 298 1782 694 9048 2388 7222

3M17 396 2071 718 7062 2230 6262

1H17 393 2217 698 7226 2255 6260

9M17 361 2051 682 6979 2285 6489

FY17 312 1743 668 7969 2465 6863

3M18 388 2150 657 6980 2294 5988

1H18 367 2187 641 6486 2308 6140

9M18 338 2020 638 6259 2335 6486

22210 27416 25987

35479 30270

42681 43754

34263 41506 40302 41165

32799

41479 42196 43988 39845

44998 49517

52843

20000

30000

40000

50000

60000


Third Party Fund

IR BJTM


Government 11319 14258 2597 2573 2698 1204106 1218614

Private 4935 4930 -009 1122 933 833 701

Total 16253 19188 1806 3695 3631 2740 2723

Saving Account

Simpeda 10295 11989 1645 2340 2269 55 61

Siklus 1672 2119 2674 380 401 86 85

Tab Haji 226 244 799 051 046 17 18


Barokah 151 192 2683 034 036 62 67

Total 13608 16273 1958 3094 3079 26 28

Time Deposit

lt 3 Month 13688 17095 2489 3112 3235 3375 3699

gt 6 Month 438 287 -3461 100 054 1277 972

Total 14126 17382 2305 3211 3289 3211 3535


Third Party Fund


in billion

16

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000


Loan

IR BJTM


Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900


Loan


in billion

17

IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM

BUSINESS PLAN 2018

6

IR BJTM

Business Plan

7

Description

Growth

2015 2016 2017 2018 E

Total Asset 1265 054 1972 850

Loan 846 445 701 1065

Third Party Fund 1319 -428 2148 1000

Pre Tax Profit -833 1513 1273 500

Financial Ratio

- CAR 2122 2388 2465 2281

- LDR 8292 9048 7969 8105

- NPL Gross 429 477 459 370

- NIM 641 694 668 646

- BOPO 7611 7222 6863 6838

- ROE 1611 1782 1743 1948

- ROA 267 298 312 301

IR BJTM

Network 2011 2012 2013 2014 2015 2016 2017 9M18

NETWORK

PLAN

2018

SHARIA

PLAN

2018

Head Office 1 1 1 1 1 1 1 1 1

Branch Office 41 41 41 43 45 47 48 48

Sub Branch

Office67 81 107 153 165 166 166 168 7 6

Cash office 164 164 176 165 185 190 199 201 13 1

Sharia service

office47 47 47 97 97 191 191 191

Payment Point 115 138 155 167 171 181 190 207 22

Mobile cash 61 63 65 68 71 85 88 88 9

CDM 1 1 1 2 2 2 2 2

ATM 262 368 479 595 688 703 723 746 70 10

Total network 759 904 1072 1291 1425 1566 1608 1652



Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - -

550475475475

425425425525

575

430

838836

335

445

302361

437

372361340312288

BI 7-Day RR INFLASI

36644114 4092 4413 4403 4526 4580 4782 4789 5029

33203707

44134837 4917 5046 5143 5289 5293 5399


in trillion Rp

LOAN FUND

558502 479 490 501 501 506 507 506 527

608586

544 550 537 503 516 545 550 557


INDONESIA EAST JAVA


Indonesia Java

JAVA

59 Java

22 Sumatra


6 Sulawesi

8 Kalimantan

3 Maluku amp Papua

East Java

29 DKI Jakarta

25 East Java

23 West Java

15 Central Java

7 Banten

1 DIY



10

IR BJTM 11


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789


Loan 30696964 33073299 774 207476 710805 954995 36029 3435


(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279

Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642

- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922

- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521

- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671

Equity 7563351 8217326 865 303319 381431 302832 -016 -2061

Balance Sheet

IR BJTM 12


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD

Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312


Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415


(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681

Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262

- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987

- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269

- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490

Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513


IR BJTM 13


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540




336346 367481 926 90370 122208 130550 4446 683


(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074


(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833


(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786



Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535

Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113

Net profit 1013778 1059811 454 291674 381431 301535 338 -2095

Profit Loss

IR BJTM 14

Monthly Profit Loss


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18

Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740




442 29 73 115 163 204 237 283 314 367


(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)


(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)


(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)


Non Operational

Profit(18) 3 3 3 3 3 4 4 16 19

Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463

Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)

Net profit 1159 128 254 377 489 612 758 842 928 1060

IR BJTM

Financial Ratio

15


2010 558 4057 917 8070 1919 5958

2011 497 3365 795 8011 1653 6002

2012 334 1896 648 8355 2656 6869

2013 382 1904 714 8498 2372 7028

2014 352 1898 690 8654 2217 6963

2015 267 1611 641 8292 2122 7611

3M16 380 2349 683 6811 1946 6532

1H16 318 2087 669 7264 2065 7056

9M16 309 2014 670 7197 2243 7115

FY16 298 1782 694 9048 2388 7222

3M17 396 2071 718 7062 2230 6262

1H17 393 2217 698 7226 2255 6260

9M17 361 2051 682 6979 2285 6489

FY17 312 1743 668 7969 2465 6863

3M18 388 2150 657 6980 2294 5988

1H18 367 2187 641 6486 2308 6140

9M18 338 2020 638 6259 2335 6486

22210 27416 25987

35479 30270

42681 43754

34263 41506 40302 41165

32799

41479 42196 43988 39845

44998 49517

52843

20000

30000

40000

50000

60000


Third Party Fund

IR BJTM


Government 11319 14258 2597 2573 2698 1204106 1218614

Private 4935 4930 -009 1122 933 833 701

Total 16253 19188 1806 3695 3631 2740 2723

Saving Account

Simpeda 10295 11989 1645 2340 2269 55 61

Siklus 1672 2119 2674 380 401 86 85

Tab Haji 226 244 799 051 046 17 18


Barokah 151 192 2683 034 036 62 67

Total 13608 16273 1958 3094 3079 26 28

Time Deposit

lt 3 Month 13688 17095 2489 3112 3235 3375 3699

gt 6 Month 438 287 -3461 100 054 1277 972

Total 14126 17382 2305 3211 3289 3211 3535


Third Party Fund


in billion

16

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000


Loan

IR BJTM


Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900


Loan


in billion

17

IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM

Business Plan

7

Description

Growth

2015 2016 2017 2018 E

Total Asset 1265 054 1972 850

Loan 846 445 701 1065

Third Party Fund 1319 -428 2148 1000

Pre Tax Profit -833 1513 1273 500

Financial Ratio

- CAR 2122 2388 2465 2281

- LDR 8292 9048 7969 8105

- NPL Gross 429 477 459 370

- NIM 641 694 668 646

- BOPO 7611 7222 6863 6838

- ROE 1611 1782 1743 1948

- ROA 267 298 312 301

IR BJTM

Network 2011 2012 2013 2014 2015 2016 2017 9M18

NETWORK

PLAN

2018

SHARIA

PLAN

2018

Head Office 1 1 1 1 1 1 1 1 1

Branch Office 41 41 41 43 45 47 48 48

Sub Branch

Office67 81 107 153 165 166 166 168 7 6

Cash office 164 164 176 165 185 190 199 201 13 1

Sharia service

office47 47 47 97 97 191 191 191

Payment Point 115 138 155 167 171 181 190 207 22

Mobile cash 61 63 65 68 71 85 88 88 9

CDM 1 1 1 2 2 2 2 2

ATM 262 368 479 595 688 703 723 746 70 10

Total network 759 904 1072 1291 1425 1566 1608 1652



Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - -

550475475475

425425425525

575

430

838836

335

445

302361

437

372361340312288

BI 7-Day RR INFLASI

36644114 4092 4413 4403 4526 4580 4782 4789 5029

33203707

44134837 4917 5046 5143 5289 5293 5399


in trillion Rp

LOAN FUND

558502 479 490 501 501 506 507 506 527

608586

544 550 537 503 516 545 550 557


INDONESIA EAST JAVA


Indonesia Java

JAVA

59 Java

22 Sumatra


6 Sulawesi

8 Kalimantan

3 Maluku amp Papua

East Java

29 DKI Jakarta

25 East Java

23 West Java

15 Central Java

7 Banten

1 DIY



10

IR BJTM 11


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789


Loan 30696964 33073299 774 207476 710805 954995 36029 3435


(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279

Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642

- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922

- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521

- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671

Equity 7563351 8217326 865 303319 381431 302832 -016 -2061

Balance Sheet

IR BJTM 12


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD

Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312


Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415


(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681

Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262

- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987

- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269

- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490

Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513


IR BJTM 13


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540




336346 367481 926 90370 122208 130550 4446 683


(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074


(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833


(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786



Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535

Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113

Net profit 1013778 1059811 454 291674 381431 301535 338 -2095

Profit Loss

IR BJTM 14

Monthly Profit Loss


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18

Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740




442 29 73 115 163 204 237 283 314 367


(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)


(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)


(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)


Non Operational

Profit(18) 3 3 3 3 3 4 4 16 19

Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463

Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)

Net profit 1159 128 254 377 489 612 758 842 928 1060

IR BJTM

Financial Ratio

15


2010 558 4057 917 8070 1919 5958

2011 497 3365 795 8011 1653 6002

2012 334 1896 648 8355 2656 6869

2013 382 1904 714 8498 2372 7028

2014 352 1898 690 8654 2217 6963

2015 267 1611 641 8292 2122 7611

3M16 380 2349 683 6811 1946 6532

1H16 318 2087 669 7264 2065 7056

9M16 309 2014 670 7197 2243 7115

FY16 298 1782 694 9048 2388 7222

3M17 396 2071 718 7062 2230 6262

1H17 393 2217 698 7226 2255 6260

9M17 361 2051 682 6979 2285 6489

FY17 312 1743 668 7969 2465 6863

3M18 388 2150 657 6980 2294 5988

1H18 367 2187 641 6486 2308 6140

9M18 338 2020 638 6259 2335 6486

22210 27416 25987

35479 30270

42681 43754

34263 41506 40302 41165

32799

41479 42196 43988 39845

44998 49517

52843

20000

30000

40000

50000

60000


Third Party Fund

IR BJTM


Government 11319 14258 2597 2573 2698 1204106 1218614

Private 4935 4930 -009 1122 933 833 701

Total 16253 19188 1806 3695 3631 2740 2723

Saving Account

Simpeda 10295 11989 1645 2340 2269 55 61

Siklus 1672 2119 2674 380 401 86 85

Tab Haji 226 244 799 051 046 17 18


Barokah 151 192 2683 034 036 62 67

Total 13608 16273 1958 3094 3079 26 28

Time Deposit

lt 3 Month 13688 17095 2489 3112 3235 3375 3699

gt 6 Month 438 287 -3461 100 054 1277 972

Total 14126 17382 2305 3211 3289 3211 3535


Third Party Fund


in billion

16

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000


Loan

IR BJTM


Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900


Loan


in billion

17

IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM

Network 2011 2012 2013 2014 2015 2016 2017 9M18

NETWORK

PLAN

2018

SHARIA

PLAN

2018

Head Office 1 1 1 1 1 1 1 1 1

Branch Office 41 41 41 43 45 47 48 48

Sub Branch

Office67 81 107 153 165 166 166 168 7 6

Cash office 164 164 176 165 185 190 199 201 13 1

Sharia service

office47 47 47 97 97 191 191 191

Payment Point 115 138 155 167 171 181 190 207 22

Mobile cash 61 63 65 68 71 85 88 88 9

CDM 1 1 1 2 2 2 2 2

ATM 262 368 479 595 688 703 723 746 70 10

Total network 759 904 1072 1291 1425 1566 1608 1652



Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - -

550475475475

425425425525

575

430

838836

335

445

302361

437

372361340312288

BI 7-Day RR INFLASI

36644114 4092 4413 4403 4526 4580 4782 4789 5029

33203707

44134837 4917 5046 5143 5289 5293 5399


in trillion Rp

LOAN FUND

558502 479 490 501 501 506 507 506 527

608586

544 550 537 503 516 545 550 557


INDONESIA EAST JAVA


Indonesia Java

JAVA

59 Java

22 Sumatra


6 Sulawesi

8 Kalimantan

3 Maluku amp Papua

East Java

29 DKI Jakarta

25 East Java

23 West Java

15 Central Java

7 Banten

1 DIY



10

IR BJTM 11


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789


Loan 30696964 33073299 774 207476 710805 954995 36029 3435


(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279

Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642

- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922

- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521

- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671

Equity 7563351 8217326 865 303319 381431 302832 -016 -2061

Balance Sheet

IR BJTM 12


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD

Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312


Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415


(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681

Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262

- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987

- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269

- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490

Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513


IR BJTM 13


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540




336346 367481 926 90370 122208 130550 4446 683


(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074


(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833


(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786



Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535

Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113

Net profit 1013778 1059811 454 291674 381431 301535 338 -2095

Profit Loss

IR BJTM 14

Monthly Profit Loss


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18

Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740




442 29 73 115 163 204 237 283 314 367


(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)


(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)


(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)


Non Operational

Profit(18) 3 3 3 3 3 4 4 16 19

Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463

Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)

Net profit 1159 128 254 377 489 612 758 842 928 1060

IR BJTM

Financial Ratio

15


2010 558 4057 917 8070 1919 5958

2011 497 3365 795 8011 1653 6002

2012 334 1896 648 8355 2656 6869

2013 382 1904 714 8498 2372 7028

2014 352 1898 690 8654 2217 6963

2015 267 1611 641 8292 2122 7611

3M16 380 2349 683 6811 1946 6532

1H16 318 2087 669 7264 2065 7056

9M16 309 2014 670 7197 2243 7115

FY16 298 1782 694 9048 2388 7222

3M17 396 2071 718 7062 2230 6262

1H17 393 2217 698 7226 2255 6260

9M17 361 2051 682 6979 2285 6489

FY17 312 1743 668 7969 2465 6863

3M18 388 2150 657 6980 2294 5988

1H18 367 2187 641 6486 2308 6140

9M18 338 2020 638 6259 2335 6486

22210 27416 25987

35479 30270

42681 43754

34263 41506 40302 41165

32799

41479 42196 43988 39845

44998 49517

52843

20000

30000

40000

50000

60000


Third Party Fund

IR BJTM


Government 11319 14258 2597 2573 2698 1204106 1218614

Private 4935 4930 -009 1122 933 833 701

Total 16253 19188 1806 3695 3631 2740 2723

Saving Account

Simpeda 10295 11989 1645 2340 2269 55 61

Siklus 1672 2119 2674 380 401 86 85

Tab Haji 226 244 799 051 046 17 18


Barokah 151 192 2683 034 036 62 67

Total 13608 16273 1958 3094 3079 26 28

Time Deposit

lt 3 Month 13688 17095 2489 3112 3235 3375 3699

gt 6 Month 438 287 -3461 100 054 1277 972

Total 14126 17382 2305 3211 3289 3211 3535


Third Party Fund


in billion

16

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000


Loan

IR BJTM


Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900


Loan


in billion

17

IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM

APPENDIX

9

IR BJTM

- - - -

550475475475

425425425525

575

430

838836

335

445

302361

437

372361340312288

BI 7-Day RR INFLASI

36644114 4092 4413 4403 4526 4580 4782 4789 5029

33203707

44134837 4917 5046 5143 5289 5293 5399


in trillion Rp

LOAN FUND

558502 479 490 501 501 506 507 506 527

608586

544 550 537 503 516 545 550 557


INDONESIA EAST JAVA


Indonesia Java

JAVA

59 Java

22 Sumatra


6 Sulawesi

8 Kalimantan

3 Maluku amp Papua

East Java

29 DKI Jakarta

25 East Java

23 West Java

15 Central Java

7 Banten

1 DIY



10

IR BJTM 11


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789


Loan 30696964 33073299 774 207476 710805 954995 36029 3435


(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279

Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642

- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922

- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521

- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671

Equity 7563351 8217326 865 303319 381431 302832 -016 -2061

Balance Sheet

IR BJTM 12


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD

Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312


Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415


(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681

Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262

- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987

- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269

- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490

Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513


IR BJTM 13


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540




336346 367481 926 90370 122208 130550 4446 683


(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074


(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833


(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786



Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535

Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113

Net profit 1013778 1059811 454 291674 381431 301535 338 -2095

Profit Loss

IR BJTM 14

Monthly Profit Loss


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18

Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740




442 29 73 115 163 204 237 283 314 367


(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)


(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)


(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)


Non Operational

Profit(18) 3 3 3 3 3 4 4 16 19

Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463

Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)

Net profit 1159 128 254 377 489 612 758 842 928 1060

IR BJTM

Financial Ratio

15


2010 558 4057 917 8070 1919 5958

2011 497 3365 795 8011 1653 6002

2012 334 1896 648 8355 2656 6869

2013 382 1904 714 8498 2372 7028

2014 352 1898 690 8654 2217 6963

2015 267 1611 641 8292 2122 7611

3M16 380 2349 683 6811 1946 6532

1H16 318 2087 669 7264 2065 7056

9M16 309 2014 670 7197 2243 7115

FY16 298 1782 694 9048 2388 7222

3M17 396 2071 718 7062 2230 6262

1H17 393 2217 698 7226 2255 6260

9M17 361 2051 682 6979 2285 6489

FY17 312 1743 668 7969 2465 6863

3M18 388 2150 657 6980 2294 5988

1H18 367 2187 641 6486 2308 6140

9M18 338 2020 638 6259 2335 6486

22210 27416 25987

35479 30270

42681 43754

34263 41506 40302 41165

32799

41479 42196 43988 39845

44998 49517

52843

20000

30000

40000

50000

60000


Third Party Fund

IR BJTM


Government 11319 14258 2597 2573 2698 1204106 1218614

Private 4935 4930 -009 1122 933 833 701

Total 16253 19188 1806 3695 3631 2740 2723

Saving Account

Simpeda 10295 11989 1645 2340 2269 55 61

Siklus 1672 2119 2674 380 401 86 85

Tab Haji 226 244 799 051 046 17 18


Barokah 151 192 2683 034 036 62 67

Total 13608 16273 1958 3094 3079 26 28

Time Deposit

lt 3 Month 13688 17095 2489 3112 3235 3375 3699

gt 6 Month 438 287 -3461 100 054 1277 972

Total 14126 17382 2305 3211 3289 3211 3535


Third Party Fund


in billion

16

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000


Loan

IR BJTM


Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900


Loan


in billion

17

IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM

- - - -

550475475475

425425425525

575

430

838836

335

445

302361

437

372361340312288

BI 7-Day RR INFLASI

36644114 4092 4413 4403 4526 4580 4782 4789 5029

33203707

44134837 4917 5046 5143 5289 5293 5399


in trillion Rp

LOAN FUND

558502 479 490 501 501 506 507 506 527

608586

544 550 537 503 516 545 550 557


INDONESIA EAST JAVA


Indonesia Java

JAVA

59 Java

22 Sumatra


6 Sulawesi

8 Kalimantan

3 Maluku amp Papua

East Java

29 DKI Jakarta

25 East Java

23 West Java

15 Central Java

7 Banten

1 DIY



10

IR BJTM 11


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789


Loan 30696964 33073299 774 207476 710805 954995 36029 3435


(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279

Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642

- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922

- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521

- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671

Equity 7563351 8217326 865 303319 381431 302832 -016 -2061

Balance Sheet

IR BJTM 12


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD

Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312


Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415


(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681

Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262

- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987

- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269

- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490

Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513


IR BJTM 13


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540




336346 367481 926 90370 122208 130550 4446 683


(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074


(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833


(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786



Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535

Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113

Net profit 1013778 1059811 454 291674 381431 301535 338 -2095

Profit Loss

IR BJTM 14

Monthly Profit Loss


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18

Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740




442 29 73 115 163 204 237 283 314 367


(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)


(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)


(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)


Non Operational

Profit(18) 3 3 3 3 3 4 4 16 19

Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463

Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)

Net profit 1159 128 254 377 489 612 758 842 928 1060

IR BJTM

Financial Ratio

15


2010 558 4057 917 8070 1919 5958

2011 497 3365 795 8011 1653 6002

2012 334 1896 648 8355 2656 6869

2013 382 1904 714 8498 2372 7028

2014 352 1898 690 8654 2217 6963

2015 267 1611 641 8292 2122 7611

3M16 380 2349 683 6811 1946 6532

1H16 318 2087 669 7264 2065 7056

9M16 309 2014 670 7197 2243 7115

FY16 298 1782 694 9048 2388 7222

3M17 396 2071 718 7062 2230 6262

1H17 393 2217 698 7226 2255 6260

9M17 361 2051 682 6979 2285 6489

FY17 312 1743 668 7969 2465 6863

3M18 388 2150 657 6980 2294 5988

1H18 367 2187 641 6486 2308 6140

9M18 338 2020 638 6259 2335 6486

22210 27416 25987

35479 30270

42681 43754

34263 41506 40302 41165

32799

41479 42196 43988 39845

44998 49517

52843

20000

30000

40000

50000

60000


Third Party Fund

IR BJTM


Government 11319 14258 2597 2573 2698 1204106 1218614

Private 4935 4930 -009 1122 933 833 701

Total 16253 19188 1806 3695 3631 2740 2723

Saving Account

Simpeda 10295 11989 1645 2340 2269 55 61

Siklus 1672 2119 2674 380 401 86 85

Tab Haji 226 244 799 051 046 17 18


Barokah 151 192 2683 034 036 62 67

Total 13608 16273 1958 3094 3079 26 28

Time Deposit

lt 3 Month 13688 17095 2489 3112 3235 3375 3699

gt 6 Month 438 287 -3461 100 054 1277 972

Total 14126 17382 2305 3211 3289 3211 3535


Third Party Fund


in billion

16

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000


Loan

IR BJTM


Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900


Loan


in billion

17

IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM 11


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789


Loan 30696964 33073299 774 207476 710805 954995 36029 3435


(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279

Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642

- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922

- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521

- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671

Equity 7563351 8217326 865 303319 381431 302832 -016 -2061

Balance Sheet

IR BJTM 12


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD

Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312


Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415


(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681

Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262

- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987

- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269

- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490

Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513


IR BJTM 13


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540




336346 367481 926 90370 122208 130550 4446 683


(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074


(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833


(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786



Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535

Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113

Net profit 1013778 1059811 454 291674 381431 301535 338 -2095

Profit Loss

IR BJTM 14

Monthly Profit Loss


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18

Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740




442 29 73 115 163 204 237 283 314 367


(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)


(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)


(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)


Non Operational

Profit(18) 3 3 3 3 3 4 4 16 19

Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463

Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)

Net profit 1159 128 254 377 489 612 758 842 928 1060

IR BJTM

Financial Ratio

15


2010 558 4057 917 8070 1919 5958

2011 497 3365 795 8011 1653 6002

2012 334 1896 648 8355 2656 6869

2013 382 1904 714 8498 2372 7028

2014 352 1898 690 8654 2217 6963

2015 267 1611 641 8292 2122 7611

3M16 380 2349 683 6811 1946 6532

1H16 318 2087 669 7264 2065 7056

9M16 309 2014 670 7197 2243 7115

FY16 298 1782 694 9048 2388 7222

3M17 396 2071 718 7062 2230 6262

1H17 393 2217 698 7226 2255 6260

9M17 361 2051 682 6979 2285 6489

FY17 312 1743 668 7969 2465 6863

3M18 388 2150 657 6980 2294 5988

1H18 367 2187 641 6486 2308 6140

9M18 338 2020 638 6259 2335 6486

22210 27416 25987

35479 30270

42681 43754

34263 41506 40302 41165

32799

41479 42196 43988 39845

44998 49517

52843

20000

30000

40000

50000

60000


Third Party Fund

IR BJTM


Government 11319 14258 2597 2573 2698 1204106 1218614

Private 4935 4930 -009 1122 933 833 701

Total 16253 19188 1806 3695 3631 2740 2723

Saving Account

Simpeda 10295 11989 1645 2340 2269 55 61

Siklus 1672 2119 2674 380 401 86 85

Tab Haji 226 244 799 051 046 17 18


Barokah 151 192 2683 034 036 62 67

Total 13608 16273 1958 3094 3079 26 28

Time Deposit

lt 3 Month 13688 17095 2489 3112 3235 3375 3699

gt 6 Month 438 287 -3461 100 054 1277 972

Total 14126 17382 2305 3211 3289 3211 3535


Third Party Fund


in billion

16

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000


Loan

IR BJTM


Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900


Loan


in billion

17

IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM 12


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD

Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312


Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415


(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681

Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262

- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987

- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269

- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490

Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513


IR BJTM 13


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540




336346 367481 926 90370 122208 130550 4446 683


(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074


(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833


(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786



Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535

Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113

Net profit 1013778 1059811 454 291674 381431 301535 338 -2095

Profit Loss

IR BJTM 14

Monthly Profit Loss


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18

Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740




442 29 73 115 163 204 237 283 314 367


(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)


(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)


(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)


Non Operational

Profit(18) 3 3 3 3 3 4 4 16 19

Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463

Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)

Net profit 1159 128 254 377 489 612 758 842 928 1060

IR BJTM

Financial Ratio

15


2010 558 4057 917 8070 1919 5958

2011 497 3365 795 8011 1653 6002

2012 334 1896 648 8355 2656 6869

2013 382 1904 714 8498 2372 7028

2014 352 1898 690 8654 2217 6963

2015 267 1611 641 8292 2122 7611

3M16 380 2349 683 6811 1946 6532

1H16 318 2087 669 7264 2065 7056

9M16 309 2014 670 7197 2243 7115

FY16 298 1782 694 9048 2388 7222

3M17 396 2071 718 7062 2230 6262

1H17 393 2217 698 7226 2255 6260

9M17 361 2051 682 6979 2285 6489

FY17 312 1743 668 7969 2465 6863

3M18 388 2150 657 6980 2294 5988

1H18 367 2187 641 6486 2308 6140

9M18 338 2020 638 6259 2335 6486

22210 27416 25987

35479 30270

42681 43754

34263 41506 40302 41165

32799

41479 42196 43988 39845

44998 49517

52843

20000

30000

40000

50000

60000


Third Party Fund

IR BJTM


Government 11319 14258 2597 2573 2698 1204106 1218614

Private 4935 4930 -009 1122 933 833 701

Total 16253 19188 1806 3695 3631 2740 2723

Saving Account

Simpeda 10295 11989 1645 2340 2269 55 61

Siklus 1672 2119 2674 380 401 86 85

Tab Haji 226 244 799 051 046 17 18


Barokah 151 192 2683 034 036 62 67

Total 13608 16273 1958 3094 3079 26 28

Time Deposit

lt 3 Month 13688 17095 2489 3112 3235 3375 3699

gt 6 Month 438 287 -3461 100 054 1277 972

Total 14126 17382 2305 3211 3289 3211 3535


Third Party Fund


in billion

16

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000


Loan

IR BJTM


Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900


Loan


in billion

17

IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM 13


9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ

Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540




336346 367481 926 90370 122208 130550 4446 683


(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074


(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833


(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786



Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535

Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113

Net profit 1013778 1059811 454 291674 381431 301535 338 -2095

Profit Loss

IR BJTM 14

Monthly Profit Loss


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18

Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740




442 29 73 115 163 204 237 283 314 367


(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)


(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)


(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)


Non Operational

Profit(18) 3 3 3 3 3 4 4 16 19

Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463

Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)

Net profit 1159 128 254 377 489 612 758 842 928 1060

IR BJTM

Financial Ratio

15


2010 558 4057 917 8070 1919 5958

2011 497 3365 795 8011 1653 6002

2012 334 1896 648 8355 2656 6869

2013 382 1904 714 8498 2372 7028

2014 352 1898 690 8654 2217 6963

2015 267 1611 641 8292 2122 7611

3M16 380 2349 683 6811 1946 6532

1H16 318 2087 669 7264 2065 7056

9M16 309 2014 670 7197 2243 7115

FY16 298 1782 694 9048 2388 7222

3M17 396 2071 718 7062 2230 6262

1H17 393 2217 698 7226 2255 6260

9M17 361 2051 682 6979 2285 6489

FY17 312 1743 668 7969 2465 6863

3M18 388 2150 657 6980 2294 5988

1H18 367 2187 641 6486 2308 6140

9M18 338 2020 638 6259 2335 6486

22210 27416 25987

35479 30270

42681 43754

34263 41506 40302 41165

32799

41479 42196 43988 39845

44998 49517

52843

20000

30000

40000

50000

60000


Third Party Fund

IR BJTM


Government 11319 14258 2597 2573 2698 1204106 1218614

Private 4935 4930 -009 1122 933 833 701

Total 16253 19188 1806 3695 3631 2740 2723

Saving Account

Simpeda 10295 11989 1645 2340 2269 55 61

Siklus 1672 2119 2674 380 401 86 85

Tab Haji 226 244 799 051 046 17 18


Barokah 151 192 2683 034 036 62 67

Total 13608 16273 1958 3094 3079 26 28

Time Deposit

lt 3 Month 13688 17095 2489 3112 3235 3375 3699

gt 6 Month 438 287 -3461 100 054 1277 972

Total 14126 17382 2305 3211 3289 3211 3535


Third Party Fund


in billion

16

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000


Loan

IR BJTM


Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900


Loan


in billion

17

IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM 14

Monthly Profit Loss


FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18

Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740




442 29 73 115 163 204 237 283 314 367


(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)


(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)


(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)


Non Operational

Profit(18) 3 3 3 3 3 4 4 16 19

Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463

Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)

Net profit 1159 128 254 377 489 612 758 842 928 1060

IR BJTM

Financial Ratio

15


2010 558 4057 917 8070 1919 5958

2011 497 3365 795 8011 1653 6002

2012 334 1896 648 8355 2656 6869

2013 382 1904 714 8498 2372 7028

2014 352 1898 690 8654 2217 6963

2015 267 1611 641 8292 2122 7611

3M16 380 2349 683 6811 1946 6532

1H16 318 2087 669 7264 2065 7056

9M16 309 2014 670 7197 2243 7115

FY16 298 1782 694 9048 2388 7222

3M17 396 2071 718 7062 2230 6262

1H17 393 2217 698 7226 2255 6260

9M17 361 2051 682 6979 2285 6489

FY17 312 1743 668 7969 2465 6863

3M18 388 2150 657 6980 2294 5988

1H18 367 2187 641 6486 2308 6140

9M18 338 2020 638 6259 2335 6486

22210 27416 25987

35479 30270

42681 43754

34263 41506 40302 41165

32799

41479 42196 43988 39845

44998 49517

52843

20000

30000

40000

50000

60000


Third Party Fund

IR BJTM


Government 11319 14258 2597 2573 2698 1204106 1218614

Private 4935 4930 -009 1122 933 833 701

Total 16253 19188 1806 3695 3631 2740 2723

Saving Account

Simpeda 10295 11989 1645 2340 2269 55 61

Siklus 1672 2119 2674 380 401 86 85

Tab Haji 226 244 799 051 046 17 18


Barokah 151 192 2683 034 036 62 67

Total 13608 16273 1958 3094 3079 26 28

Time Deposit

lt 3 Month 13688 17095 2489 3112 3235 3375 3699

gt 6 Month 438 287 -3461 100 054 1277 972

Total 14126 17382 2305 3211 3289 3211 3535


Third Party Fund


in billion

16

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000


Loan

IR BJTM


Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900


Loan


in billion

17

IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM

Financial Ratio

15


2010 558 4057 917 8070 1919 5958

2011 497 3365 795 8011 1653 6002

2012 334 1896 648 8355 2656 6869

2013 382 1904 714 8498 2372 7028

2014 352 1898 690 8654 2217 6963

2015 267 1611 641 8292 2122 7611

3M16 380 2349 683 6811 1946 6532

1H16 318 2087 669 7264 2065 7056

9M16 309 2014 670 7197 2243 7115

FY16 298 1782 694 9048 2388 7222

3M17 396 2071 718 7062 2230 6262

1H17 393 2217 698 7226 2255 6260

9M17 361 2051 682 6979 2285 6489

FY17 312 1743 668 7969 2465 6863

3M18 388 2150 657 6980 2294 5988

1H18 367 2187 641 6486 2308 6140

9M18 338 2020 638 6259 2335 6486

22210 27416 25987

35479 30270

42681 43754

34263 41506 40302 41165

32799

41479 42196 43988 39845

44998 49517

52843

20000

30000

40000

50000

60000


Third Party Fund

IR BJTM


Government 11319 14258 2597 2573 2698 1204106 1218614

Private 4935 4930 -009 1122 933 833 701

Total 16253 19188 1806 3695 3631 2740 2723

Saving Account

Simpeda 10295 11989 1645 2340 2269 55 61

Siklus 1672 2119 2674 380 401 86 85

Tab Haji 226 244 799 051 046 17 18


Barokah 151 192 2683 034 036 62 67

Total 13608 16273 1958 3094 3079 26 28

Time Deposit

lt 3 Month 13688 17095 2489 3112 3235 3375 3699

gt 6 Month 438 287 -3461 100 054 1277 972

Total 14126 17382 2305 3211 3289 3211 3535


Third Party Fund


in billion

16

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000


Loan

IR BJTM


Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900


Loan


in billion

17

IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



22210 27416 25987

35479 30270

42681 43754

34263 41506 40302 41165

32799

41479 42196 43988 39845

44998 49517

52843

20000

30000

40000

50000

60000


Third Party Fund

IR BJTM


Government 11319 14258 2597 2573 2698 1204106 1218614

Private 4935 4930 -009 1122 933 833 701

Total 16253 19188 1806 3695 3631 2740 2723

Saving Account

Simpeda 10295 11989 1645 2340 2269 55 61

Siklus 1672 2119 2674 380 401 86 85

Tab Haji 226 244 799 051 046 17 18


Barokah 151 192 2683 034 036 62 67

Total 13608 16273 1958 3094 3079 26 28

Time Deposit

lt 3 Month 13688 17095 2489 3112 3235 3375 3699

gt 6 Month 438 287 -3461 100 054 1277 972

Total 14126 17382 2305 3211 3289 3211 3535


Third Party Fund


in billion

16

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000


Loan

IR BJTM


Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900


Loan


in billion

17

IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30489 30697 31754 31407 32118

33073

24000

29000

34000


Loan

IR BJTM


Multi Purpose 17841 18840 560 5812 5696 749 820

Other 1183 2186 8476 385 661 2147 2933

Total 19024 21026 1052 6197 6357 780 887

COMMERCIAL

Standby Loan 578 504 -1280 188 152 3294 4059

Keppres 908 964 621 296 292 3437 4731

Overdraft 2967 3008 135 967 909 8342 8885

Syndicate 1006 756 -2487 328 229 529410 343529

General 1394 1850 3269 454 559 7002 9887

Total 6853 7082 333 2233 2141 6879 8275

S M E

Mortgage 1744 1874 749 568 567 1877 1934

Pundi Kencana 1370 1463 682 446 442 599 626

Laguna 50 24 -5094 016 007 275 151

Bankit KKPA 302 366 2108 099 111 433 362

Siumi 29 50 6975 010 015 914 926

Jatim Mikro 614 680 1075 200 206 1001 921

Others 710 507 -2853 231 153 1552 2085

Total 4819 4966 304 1570 1502 927 900


Loan


in billion

17

IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM 18



Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501

Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220

Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720

COMMERCIAL

Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087

Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188

Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585

Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765

General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951

Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576

S M E

Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198

Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341

Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367

Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222

Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983

Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413

Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479

Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003

in million

IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM 19

NPL FY14 ndash 9M18


NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425

NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063

CoverageRatio

7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236

Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025

Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445

S M E 695 671 706 718 705 652 606 635 679 627 648 663 667

IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM


20

IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM 21










Strategy

IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM 22













Strategy

IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM

MANAGEMENT

23

IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM



Education



Experience





Currently




Education

Doctor of Economics


Malang

Experience


Currently




Education



Surabaya

Experience


Currently

East Java

Regional Secretary

24


Education

Doctor of Economics


Jakarta

Experience




Currently




IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM

Board of Directors


Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM


Experience

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim


Sharia Business

Director

Experience



Head


Bank Jatim


Director

Experience

IT Division Head

Planning Division

Head

Risk Management

Division Head

Bank Jatim


Director

Experience

Corporate

Secretary

Compliance

Director

Bank Jatim

25


Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim


Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM

STRENGTH

26

IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM 27

157163174200

249291

330380

428430

515

634

55 74

101

131

161 186

221

262 287 297

318

3307

132 137 145 162201

222259

303343 328

399

528

0405 05

08 0807

08094

088

103116

141

07 07 07 07

08

09

08

12

134 136 13613

172 21

27 28 2933

41

4648 48 49



CAGR =

917

CAGR =

1109

CAGR =

559



CAGR =

1228

LOAN (Rp Tril)

CAGR =

1606

CAGR =

1232


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18

63

0

54

8

55

0

62

9

58

2

52

2

46

3

48

0

43

1

40

7

43

5

38

4

38

5

39

4

34

4

30

12

38

18

39

72

36

31

17

1

23

1

24

0

19

9

21

3

24

1

25

0

28

4

35

9

35

4

36

8

38

4

36

3

37

2

43

8

39

77

31

39

30

75

30

79

19

9

22

1

21

0

17

2

20

5

23

7

28

7

23

7

21

0

23

9

19

7

23

2

25

2

23

4

21

8

30

11

30

43

29

53

32

89


300253302318321261

316354348268301

368363256301284278

186230245234176208213

307

275239

310328331

258326

381371

267345

395382

250277297288

181235256252

178218244

365


IR BJTM 28

Strength of Funding



567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM





567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820



13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840



million Rp

billion Rp

IR BJTM 29


IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM 30













Total 6421 6335

Human Resources

68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66

40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65

Foreign Holders ()

IR BJTM 31

Dividen amp Stock

Fiscal year


Net Profit(IDR)

DividenPayment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

2017 4410 115936950544900 5696


PBV 118

EPS 9434

PER 689

Market Cap

Rp 9736 tr

524501486473

408375

416439437439426431

464454462

539

625575

540500

577613

583605

693677682638

692688691705710732770

675677697692648641645

04 15

05 15

06 15

07 15

08 15

09 15

10 15

11 15

12 15

01 16

02 16

03 16

04 16

05 16

06 16

07 16

08 16

09 16

10 16

11 16

12 16

01 17

02 17

03 17

04 17

05 17

06 17

07 17

08 17

09 17

10 17

11 17

12 17

01 18

02 18

03 18

04 18

05 18

06 18

07 18

08 18

09 18



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM

32




No Country Share

1 AMERIKA 400357

2 INDONESIA 350359

3 FINLANDIA 64126

4 IRLANDIA 61330

5 INGGRIS 26267

6 LUKSEMBURG 23284

7 KANADA 18297

8 SWITZERLAND 11100

9 AUSTRALIA 10216


11 BELANDA 05446


Ownership9M18

(A Series)East Java

Government5125

(A Series)City amp


2842

(B Series)Public

Domestic712


1320

Total 100

No Country Share

12 JERMAN 05369

13 JEPANG 05364

14 SINGAPURA 03988

15 BERMUDA 03513


17 CINA 00539

18 MALAYSIA 00322


20 SWEDIA 00118

21 THAILAND 00062

22 FILIPINA 00022

Total 100

IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



IR BJTM33






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM






2017

Go Public Company

GCG Award 2017


Lending

IR BJTM 34

Award


FLPP Fund

35IR BJTM



35IR BJTM



bjtm company performance 9m18 · judul ir bjtm table of contents 2 description page agenda cover...

Documents