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Company Performance

BJTM 1H17

ANALYST MEETING QUARTER II 2017IR BJTM 1

judul

IR BJTM

Table of Contents

2

Description Page

Agenda Cover

Table of Contents 2

Overview 2017 3 5

Business Plan 2017 6 8

Appendix 9 17

- Macro Economy Review 10

- Balance Sheet, Profit & Loss 11 12

- Financial Ratio 13

- Third Party Fund & Loan 14 - 17

- Management 18 - 25

- Strength 26 34

Contact 35

IR BJTM

OVERVIEW

3

judul

IR BJTM

Balance SheetIn million Rp

1H16 1H17 YoY

Asset 48.061.027 51.560.128 7,28%

Loan 29.275.967 30.489.868 4,15%

- Commercial 6.939.580 6.607.934 -4,78%

- SME 3.448.849 3.267.371 -5,26%

- Consumer 18.887.537 20.614.562 9,14%

Third Party Fund 40.301.984 42.195.900 4,70%

- Current Account 15.344.593 15.627.127 1,84%

- Saving Account 12.379.492 13.614.198 9,97%

- Time Deposit 12.577.899 12.954.576 2,99%

Profit & LossIn million Rp

1H16 1H17 YoY

Interest Income 2.398.220 2.346.884 -2,14%

Interest Expense (706.449) (604.954) -14,37%

Net Interest Income 1.691.771 1.741.930 2,96%

Provision for Impairment (236.065) (93.973) -60,19%

Net profit 561.100 738.212 31,57%

Ratio 1H16 1H17 Ratio 1H16 1H17

ROA 3,18% 4,01% BOPO 70,56% 61,83%

ROE 20,87% 22,60% CAR 20,65% 22,91%

NIM 6,69% 6,99% COF 2,84% 2,45%

LDR 72,64% 72,26% CASA 68,79% 69,30%

Financial Performance

In million Rp 4

IR BJTM

Collectibility 5

Collectibility 4

Collectibility 3

Collectibility 2

Collectibility 1

Loan Impairment Loan Impairment

1.233 978 1.356 120162 28 55 30

47 22 52 27

456 49 431 30

27.478

41

28.596

55

Loan & Impairment CompositionNPL

Information1H16 1H17

NPL Gross 4,58% 4,80%

NPL Net 1,07% 0,67%

Coverage Ratio

83,37% 91,80%

Consumers NPL

0,85% 0,69%

Commercials NPL

13,10% 16,43%

SMEs NPL 7,49% 7,17%

1H16 1H17

In Billion Rp

Non Performing Loan

5

NPL Collateral sold in auction 14,7 billion rupiah, and auction registered still up to 100 billion rupiah. Extracomptable or write-off collection result to 33,6 billion rupiah.

IR BJTM

BUSINESS PLAN 2017

6

IR BJTM

Description 2015 2016 2017 Econsolidated

2017 Econventional

Total Asset 12,65% 0,54% 5,12% 9,19%

Loan 8,46% 4,45% 8,63% 11,75%

Third Party Fund 13,19% -4,28% 7,44% 12,57%

Pre Tax Profit -8.33% 15,13% 10,01% 10,20%

Financial Ratio

- CAR 21,22% 23,88% 22,59%

- LDR 82,92% 90,48% 91,48%

- NPL Gross 4,29% 4,77% 3,10%

- NIM 6,41% 6,94% 6,87%

- BOPO 76,11% 72,22% 70,76%

- ROE 16,11% 17,82% 20,55%

- ROA 2,67% 2,98% 3,29%

Business Plan

7

IR BJTM

Network 2011 2012 2013 2014 2015 2016 1H17

NETWORK

PLAN

2017

SHARIA

PLAN

2017

Head Office 1 1 1 1 1 1 1 1

Territorial Office - - - - - - - 4

Branch Office 41 41 41 43 45 47 48 1

Sub Branch Office 67 81 107 153 165 166 166 6 11

Cash office 164 164 176 165 185 190 192 16 2

Sharia service

office47 47 47 97 97 191 191

Payment Point 115 138 155 167 171 181 182 21 7

Mobile cash 61 63 65 68 71 85 87 7

CDM 1 1 1 2 2 2 2

ATM 262 368 479 595 688 703 706 46 18

Total network 759 904 1.072 1.291 1.425 1.566 1.575

Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - - - - -

5,50%5,25%5,00%4,75%4,75%4,75%4,30%

8,38%8,36%

6,38%7,26%

6,83%

3,35%

4,45%

3,45%3,07%3,02%

3,61%4,37%

BI 7-Day RR INFLASI

3.6644.114 4.199 3.862 3.990 4.092 4.030

4.200 4.244 4.413 4.403

3.320

3.707 3.7144.320 4.464

4.413 4.469 4.5754.605

4.837 4.917

FY13 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17

in trillion Rp

LOAN FUND

5,58%5,02%4,71%4,70%4,73%4,79%4,92%5,04%5,02%4,90%5,01%

6,08%5,86%

5,18%5,25%5,44%5,44%5,34%5,55%5,61%5,50%5,37%

FY13 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17

INDONESIA EAST JAVA

Economic Growth Economic Share

Indonesia Java

JAVA

59% Java

22% Sumatra

2% Bali & Nusa Tenggara

6% Sulawesi

8% Kalimantan

3% Maluku & 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

1H16 1H17 YoY 2Q16 1Q17 2Q17 YoY QoQ

Total Asset 48.061.027 51.560.128 7,28% (1.084.245) 7.284.038 1.243.141 -214,66% -82,93%

Placement BI & SBI 11.321.922 13.658.218 20,64% (1.906.658) 7.342.886 (1.220.968) -35,96% -116,63%

Loan 29.275.967 30.489.868 4,15% 1.007.664 (383.849) 1.198.296 18,92% -412,18%

Allowance for Impairment Losses

(1.118.884) (1.342.818) 20,01% (69.008) (29.896) 9.433 -113,67% -131,55%

Third Party Fund 40.301.984 42.195.900 4,70% (1.203.937) 8.680.695 716.548 -159,52% -91,75%

- Current Account 15.344.593 15.627.127 1,84% (5.692.038) 7.517.556 (3.179.879) -44,13% -142,30%

- Saving Account 12.379.492 13.614.198 9,97% 1.392.434 (2.176.446) 1.429.005 2,63% -165,66%

- Time Deposit 12.577.899 12.954.576 2,99% 3.095.668 3.339.585 2.467.422 -20,29% -26,12%

Equity 6.210.672 7.323.052 17,91% 248.261 (284.738) 398.219 60,40% -239,85%

Balance Sheet

Opening 30- [16-9] 3.mp4Opening 30- [16-9] 3.mp4

IR BJTM 12

InformationIn million Rp

1H16 1H17 YoY 2Q16 1Q17 2Q17 YoY QoQ

Interest Income 2.398.220 2.346.884 -2,14% 1.237.862 1.113.221 1.233.663 -0,34% 10,82%

Interest Expense (706.449) (604.954) -14,37% (384.498) (266.362) (338.592) -11,94% 27,12%

Nett Interest Income 1.691.771 1.741.930 2,96% 853.364 846.859 895.071 4,89% 5,69%

Non Interest Operational Income

229.819 245.809 6,96% 123.216 108.360 137.449 11,55% 26,84%

Non Interest Operational Expense

(911.948) (904.037) -0,87% (487.031) (401.957) (502.080) 3,09% 24,91%

Provision for Impairment Losses

(236.065) (93.973) -60,19% (155.374) (96.610) 2.638 -101,70% -102,73%

Nett Non Interest Operational Income (Expense)

(918.193) (752.201) -18,08% (519.189) (390.207) (361.994) -30,28% -7,23%

Operational Profit 773.578 989.730 27,94% 334.175 456.653 533.077 59,52% 16,74%

Non Operational Profit 4.587 10.442 127,66% (161) 7.596 2.846 -1866,92% -62,53%

Pre Tax Profit 778.164 1.000.171 28,53% 334.014 464.248 535.923 60,45% 15,44%

Taxes (217.065) (261.959) 20,68% (85.752) (124.255) (137.704) 60,58% 10,82%

Net profit 561.100 738.212 31,57% 248.261 339.993 398.219 60,40% 17,13%

Profit / Loss


IR BJTM

R

O

A

R

O

E

N

I

M

4,07%3,55%

3,94% 3,75%

5,58% 4,97%

3,34%3,82% 3,52%

2,67%

3,80%3,18% 3,09% 2,98%

3,96% 4,01%

38,48%

30,85% 31,48% 28,59%

40,57%33,65%

18,96% 19,04% 18,98% 16,11%

23,49% 20,87%20,14%

17,82%20,71% 22,60%

9,34%

7,28%8,35%

7,66%9,17%

7,95%6,48%

7,14% 6,90% 6,41% 6,83% 6,69% 6,70% 6,94%7,18% 6,99%

L

D

R

C

A

R

B

O

P

O

38,75% 42,11%

54,04%

69,67%80,70% 80,11% 83,55% 84,98% 86,54% 82,92%

68,11% 72,64% 71,97%90,48%

70,62% 72,26%

38,45%33,39%

25,36%21,32% 19,19%

16,53%

26,56%23,72% 22,17% 21,22% 19,46% 20,65%

22,43% 23,88% 22,30% 22,91%

69,43% 68,20% 67,42% 66,04%59,58% 60,02%

68,69% 70,28% 69,63% 76,11% 65,32% 70,56% 71,15% 72,22% 62,62%61,83%

2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 3M16 1H16 9M16 FY16 3M17 1H17

Financial Ratio

13

22.210

27.416 25.987

35.479

30.270

42.681 43.754

34.263

41.506 40.302 41.165

32.799

41.479 42.196

20.000

25.000

30.000

35.000

40.000

45.000

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

Third Party Fund

IR BJTM

Current Account Jun16 Jun17 YoY Jun16 Jun17 Jun16 Jun17

Government 10.411 10.660 2,39% 25,83% 25,26% 111.948,4 112.205,8

Private 4.933 4.968 0,69% 12,24% 11,77% 92,7 86,6

Total 15.345 15.627 1,84% 38,07% 37,03% 287,7 272,1

Saving Account Jun16 Jun17 YoY Jun16 Jun17 Jun16 Jun17

Simpeda 10.330 10.524 1,87% 25,63% 24,94% 5,8 5,7

Siklus 752 1.561 107,59% 1,87% 3,70% 6,0 8,8

Tab Haji 208 213 2,77% 0,52% 0,51% 1,8 1,7

TabunganKu / SimPel 980 1.177 20,11% 2,43% 2,79% 0,4 0,4

Barokah 110 139 26,47% 0,27% 0,33% 5,9 5,9

Total 12.379 13.614 9,97% 30,72% 32,26% 2,6 2,6

Time Deposit Jun16 Jun17 YoY Jun16 Jun17 Jun16 Jun17

Deposit 12.578 12.955 2,99% 31,21% 30,70% 350,6 310,9

Total 12.578 12.955 2,99% 31,21% 30,70% 350,6 310,9

Funding Growth Composition

Third Party Fund

Ticket Sizein million

in billion

14

Opening 30- [16-9] 3.mp4Opening 30- [16-9] 3.mp4Opening 30- [16-9] 3.mp4

24.821 26.087 26.195 26.568

28.288 29.235

28.411 28.268 29.276 29.625 29.676 29.292

30.490

24.000

26.000

28.000

30.000

32.000

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

Loan

IR BJTM

CONSUMER Jun16 Jun17 YoY Jun16 Jun17 Jun16 Jun17

Multi Purpose 16.499 17.767 7,69% 56,36% 58,27% 69,0 74,6

Mortgage 1.502 1.715 14,20% 5,13% 5,63% 177,2 187,4Other 887 1.133 27,72% 3,03% 3,71% 140,4 209,6

Total 18.888 20.615 9,14% 64,52% 67,61% 74,4 81,6

COMMERCIAL Jun16 Jun17 YoY Jun16 Jun17 Jun16 Jun17

Standby Loan 656 548 -16,36% 2,24% 1,80% 291,3 451,7Keppres 964 625 -35,19% 3,29% 2,05% 303,3 310,2

Overdraft 2.867 2.965 3,40% 9,79% 9,72% 773,9 827,3Syndicate 1.301 1.002 -23,00% 4,45% 3,29% 52.055,7 52.739,8

General 1.151 1.468 27,53% 3,93% 4,81% 888,0 704,3

Total 6.940 6.608 -4,78% 23,70% 21,67% 663,7 741,1

S M E Jun16 Jun17 YoY Jun16 Jun17 Jun16 Jun17

Pundi 1.273 1.415 11,16% 4,35% 4,64% 62,3 61,2

Laguna 17 30 73,19% 0,06% 0,10% 11,1 19,9Bankit KKPA 175 396 125,59% 0,60% 1,30% 41,7 60,6

Siumi 14 29 97,89% 0,05% 0,09% 125,3 97,7

Jatim Mikro 557 602 7,95% 1,90% 1,97% 135,6 105,0Others 1.411 796 -43,57% 4,82% 2,61% 134,7 148,9

Total 3.449 3.267 -5,26% 11,78% 10,72% 84,3 76,8

Lending Growth Composition

Loan

Ticket Sizein million

in billion

15

Opening 30- [16-9] 3.mp4Opening 30- [16-9] 3.mp4Opening 30- [16-9] 3.mp4

IR BJTM 16

LOAN FY14 1H17

CONSUMER FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17

Multi Purpose 14.849.126 15.151.844 15.609.337 15.793.553 15.924.309 16.116.984 16.498.907 16.671.584 17.131.199 17.177.244 17.766.924

Mortgage 1.298.747 1.339.574 1.368.836 1.399.421 1.434.353 1.464.781 1.501.875 1.528.177 1.589.130 1.614.312 1.715.118

Other 612.797 600.017 650.766 792.056 827.428 845.423 886.754 916.066 1.104.855 1.142.783 1.132.520

Total 16.760.670 17.091.435 17.628.939 17.985.030 18.186.090 18.427.187 18.887.537 19.115.827 19.825.183 19.934.339 20.614.562

COMMERCIAL FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17

Standby Loan 1.013.324 811.732 1.023.403 1.244.437 847.263 593.513 655.632 657.163 531.315 436.239 548.373

Keppres 687.257 449.185 977.652 1.336.954 748.105 559.221 964.276 1.091.251 546.405 357.492 624.976

Overdraft 2.307.783 2.575.177 2.741.317 2.691.570 2.766.452 2.821.776 2.867.474 2.950.827 2.985.503 2.935.996 2.964.871

Syndicate 1.171.171 1.218.198 1.281.280 1.313.528 1.335.649 1.359.599 1.301.393 1.318.861 1.254.721 1.055.945 1.002.057

General 1.004.389 1.088.496 1.145.543 1.243.918 1.251.986 1.116.825 1.316.609 1.346.781 1.375.272 1.391.778 1.467.658

Total 6.183.924 6.142.789 7.169.195 7.830.406 6.949.455 6.450.934 7.105.384 7.364.883 6.693.215 6.177.449 6.607.934

S M E FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17

Pundi 796.281 949.857 1.108.092 1.156.961 1.177.643 1.222.691 1.273.067 1.256.921 1.300.929 1.346.491 1.415.106

Laguna 30.078 26.657 30.143 24.925 21.204 18.774 17.258 15.390 35.975 38.768 29.890

Bankit KKPA 73.113 86.147 103.885 131.054 130.478 128.615 175.481 208.789 272.642 338.899 395.875

Siumi 0 0 0 995 954 2.456 14.412 23.176 26.523 24.611 28.521

Jatim Mikro 263.067 344.132 451.632 490.838 519.834 530.118 557.303 561.646 562.361 578.536 601.615

Others 2.087.748 1.926.924 1.796.856 1.615.658 1.426.340 1.487.528 1.245.524 1.078.463 958.593 852.479 796.364

Total 3.250.286 3.333.717 3.490.608 3.420.431 3.276.454 3.390.182 3.283.046 3.144.384 3.157.023 3.179.783 3.267.371

in million


IR BJTM 17

NPL FY14 1H17

FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17

NPL Gross 3,31% 3,87% 3,82% 4,22% 4,29% 4,59% 4,58% 4,92% 4,77% 4,84% 4,80%

NPL Net 1,08% 1,11% 1,47% 1,28% 1,10% 1,19% 1,07% 1,04% 0,65% 0,55% 0,67%

Coverage Ratio 71,43% 78,95% 75,82% 84,28% 81,02% 80,87% 83,37% 84,18% 93,49% 95,33% 91,80%

CONSUMER 0,60% 0,66% 0,75% 0,86% 0,74% 0,82% 0,85% 0,89% 0,84% 0,64% 0,69%

COMMERCIAL 7,27% 10,40% 9,22% 10,01% 12,07% 13,69% 13,10% 14,16% 15,02% 16,93% 16,43%

S M E 7,64% 8,24% 8,14% 8,41% 7,09% 7,38% 7,49% 7,29% 6,95% 6,91% 7,17%


IR BJTM

MANAGEMENT

18

IR BJTM

Board of Commissioners

Heru SantosoIndependent President

Commissioner

Experience:

Bank Indonesia

Last Position:

Governor Board

Expert Staff

SoebagyoIndependent

Commissioner

Experience:

University Lecturer

Surabaya Mayor Expert Staff

Currently:

Lecturer

WibisonoIndependent

Commissioner

Experience:

Bank Indonesia

Last Position:

Deputy Head

Surabaya Branch

Rudi PurwonoIndependent Commissioner

Experience:

Airlangga University Lecturer

BNI Regional Chief Economist

Currently:

Airlangga Univ. Vice Dean

Payment Board East Java Gov.

Regional Research Board Gov.

Akhmad SukardiCommissioner

Experience:

East Java Government

Currently:

East Java

Regional Secretary

19

IR BJTM

Change of Director Structures

20

No Old Structures No New Structures

1 President Director 1 President Director

2 Medium & Corporate Business Director 2 Medium & Corporate Director

3 Operational Director 3 Operational Director

4 Agribusiness & Sharia Business Director 4 Retail, Consumer, & Sharia Business Director

5 Compliance Director 5 Compliance & Human Capital Director

6 Risk Management Director

7 Finance Director

As a result of Bank Jatims Extraordinary General Meeting June 15th, 2017

IR BJTM

Board of Directors

R SoerosoPresident Director

Experience:

Corporate Secretary

Bank Jatim

President Director

Bank UMKM

Ferdian Timur S*Finance Director

Experience:

Kepanjen Branch

Head

Corporate Secretary

Bank Jatim

Tony SudjiaryantoRetail, Consumer, &

Sharia Business

Director

Experience:

Credit Division Head

Special Credit Division

Head

Treasury Division Head

Bank Jatim

SudiMedium & 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

21

Hadi Santoso *Compliance &

Human Capital

Director

Experience:

Sharia Business Div

Medium&Corporate

Credit Div

Bank Jatim

Rizyana Mirda *Risk Management

Director

Experience:

Credit Risk Div

Medium&Corporate

Credit Div

Bank Jatim

* Effective after pass OJKs Fit and Proper Test.

IR BJTM 22

Compliance & Human Capital Director Compliance & GCG Division Law Division Human Capital Division

Competent human resources with sufficient amount Fund transaction activity and services which not

contradict with legal Determination of procedures inherent to the compliance

violant Workers productivity

Risk Management Director Credit Risk Division Corporate Risk Management

Division Credit Rescue & Completion

Division

Contribution Margin Delinquency rate 30+ days past due (DPD) for the main

products, especially individual loan (loan quality) Classified Loan Recovery Rate Recovery Intracomptable dan Extracomptable Expansion and average volume of loan balance

Finance Director Treasury Division Budget & Financial

Controlling Division Strategic Planning &

Management Performance Strategy Division

Market cap growth realization Return after tax gaining Return on Equity (after tax) Finance Director Revenue included Total of Treasury

Revenue dan FI segment Fee Based Income contribution Yield Portofolio Treasury

New Director Target


IR BJTM 23

SUBJECT STRATEGY

Optimizing Human Capital tosupport banking business

1. Evaluate human capital position structures:

Accelerate staff and management development programs.

Evaluating outsourcing and non career employee

Training and education to achieve target

2. Increase employee spiritual mental by religious event.

Compliance Cultural Improving employee job desk understanding by socialization.

Mitigation and managingcountermeasures of legal risk.

1. Organize the implementation of development evaluation and

legal system application, such as reviewing mou.

2. Organize internal legal system to handle legal issues, such as

legal assistance and legal opinion.

3. Synergize and integrate managing process and law

implementation strategy to achieve legal issues optimal

resolution.

Compliance & Human Capital Director Current Strategies


IR BJTM 24

SUBJECT STRATEGY

Risk mitigation into activities, new products or existing, including 8 risks analysis.

- Identify, measure and evaluate all bank business risk.- Giving early warning to right business sector for future lending

with stress testing all portfolio, segment, and products.- Proactive customer visit to understand the condition directly.

Minimize credit risk. Improving the quality of whole credit portfolio which sustainable by providing correct analysis with credit scoring & rating analysis.

Credit Rescue & Completion Division

- Lowering NPL1. Monitoring credit expansion2. Comprehensive collection.3. Collateral auction.4. Conduct bankcruptcy- Increase extracomptable collection by filtering potensial debtor.

Risk Management Director Current Strategies


IR BJTM 25

SUBJECT STRATEGY

Bank Placement Interest Income:ICM provides a lower interest rate compared to time deposit.

Strategy of optimizing short-term placements in time deposit.

Securities interest income:Securities with high yield not optimal

Mid-term liquidity securities to be optimized to high yield securities.

Treasury Marketing and Sales:Foreign exchange and bank note transaction still low.Not all branch actively sell foreign exchange and bank note.

All branches required for foreign exchange and bank note transactions.

Business-leading programs is constrained by the lack of competitive products

Take new pricing and leading products.

Finance Director Current Strategies


IR BJTM

STRENGTH

26

IR BJTM 27

14,215,716,317,4

20,0

24,929,1

33,1

38,0

52,5

42,9

51,6

4,6 5,5 7,4

10,1

13,1

16,1 18,6

22,3

26,2 28,7 29,7

30,5

12,0 13,213,7 14,5

16,2

20,122,2

26,0

30,3

44,6

32,8

42,2

0,40,40,50,5

0,90,90,7

0,80,94

1,18

1,03

1,48

0,60,7 0,7 0,7 0,7

0,80,9

0,8

1,2

1,341,36

1,2

1,7 1,72 2,1

2,7 2,82,9

3,3

4,1

4,64,8 4,7

TOTAL ASSET (Rp Tril)

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

CAGR =

8,57%

CAGR =

11,97%

CAGR =

5,31%

NET PROFIT (Rp Tril)

THIRD PARTY FUND(Rp Tril)

CAGR =

10,06 %

LOAN (Rp Tril)

CAGR =

16,99%

CAGR =

11,36%

Compound Annual Growth Rate


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 1H17

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%

37

,03

%

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%

32

,26

%

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

,70

%

Current account Saving deposit Time deposit

4,53%

3,00% 2,53% 3,02%3,18% 3,21%

2,61% 3,16%3,54% 3,48%

2,68% 3,01%3,68% 3,63%

2,56% 3,01% 2,84% 2,78%1,86% 2,30%

2,45%

5,00%

2,75%2,39%

3,10% 3,28% 3,31%2,58%

3,26%3,81% 3,71%

2,67%3,45%

3,95% 3,82%

2,50%2,77% 2,97% 2,88%

1,81%2,35% 2,56%

1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17

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

IR BJTM 28

Strength of Funding

Loan balance 58,27% of total loan

NPL 0,31% as of June 2017

56,7 59,3 61,2 61,9 63,1 64,0

66,6 67,5 69,0 69,7 73,2 73,2 74,6


MULTIGUNA TICKET SIZE

13.864 14.408 14.84915.152 15.609 15.794 15.924 16.117

16.499 16.672 17.131 17.11717.767


MULTIGUNA LOAN BALANCE

million Rp

billion Rp

IR BJTM 29

Strength of Loan (Multipurpose)

IR BJTM 30

No DATA June 2016 June 2017

1 Board of Commisioner 4 5

2 Board of Sharia Supervisory 3 3

3 Board of Director 5 5

4 Management 1 22 24




8 Staff of Administration 1.975 1.963

9 Staff Non Administration 332 319

10 Non Permanent 1.155 1.045

11 Outsource 1.920 1.974

Total 6.490 6.446

Human Resources

IR BJTM

31

B Series Investor 1H16 1H17

Foreign Investor 67,71% 60,64%

Domestic Investor 32,29% 39,36%

No Country Share

1 INDONESIA 39,3565%

2 AMERIKA 28,0926%

3 FINLANDIA 7,3038%

4 IRLANDIA 6,7525%

5 NORWEGIA 4,9673%

6 LUKSEMBURG 3,8169%

7 INGGRIS 2,1608%

8 KANADA 1,8517%

9 JEPANG 1,2271%

10 AUSTRALIA 1,0972%

11 SAUDI ARABIA 0,8573%

12 SWITSERLAND 0,6143%

B Series Investor Composition

Ownership

(A Series)East Java

Government51,36%

(A Series)City &

Municipal Government

28,48%

(B Series)Public

Domestic7,93%

(B Series)Public Foreign

12,22%

Total 100%

No Country Share

13 SINGAPURA 0,4906%

14 BERMUDA 0,3550%

15 THAILAND 0,3331%

16 BELANDA 0,1807%

17 KOREA SELATAN 0,1645%

18 CAYMAN ISLAND 0,0896%

19 HONGKONG 0,0844%

20 SWEDIA 0,0725%

21 JERMAN 0,0646%

22 CINA 0,0400%

23 MALAYSIA 0,0247%

24 FILIPINA 0,0022%

Total 100%

IR BJTM32

Dividen & Stock

Fiscal yearPayment of Dividend Cash Per Share (Rp.)

Net ProfitDividen Payment

Ratio

2012 39,74 724.639.313.908,99 81,8%

2013 40,61 824.311.815.370,19 73,50%

2014 41,86 939.083.592.253,50 66,5%

2015 43,00 885.708.380.142,00 72,42%

2016 43,64 1.028.216.274.326,00 63,43%

BJTM Price June 22, 2017 IDR 665/ share

PBV 1,36

EPS 98,78

PER 6,73

Market Cap Rp 9.939 bn

IR BJTM33

Competitive Products

No 1 BUMD Listed

Annual Report Award

Padmamitra Award Bank Jatim Regional Banks with

excellent service of the year

2016

Top BPD 2016 Active Role as Resi Gudang

Lending

IR BJTM 34

Award

The Higher Bank that Disbursing

FLPP Fund

IR BJTM

Investor Relations (IR)

Corporate Secretary

(031) 5310090 ext. 469

Email: [email protected]

IR Contact

35

company performance bjtm 1h17 - yang … bjtm network 2011 2012 2013 2014 2015 2016 1h17 network...

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