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 ndash 5

Business Plan 2017 6 ndash 8

Appendix 9 ndash 17

- Macro Economy Review 10

- Balance Sheet Profit amp Loss 11 ndash 12

- Financial Ratio 13

- Third Party Fund amp Loan 14 - 17

- Management 18 - 25

- Strength 26 ndash 34

Contact 35

IR BJTM

OVERVIEW

3

judul

IR BJTM

Balance SheetIn million Rp

1H16 1H17 YoY

Asset 48061027 51560128 728

Loan 29275967 30489868 415

- Commercial 6939580 6607934 -478

- SME 3448849 3267371 -526

- Consumer 18887537 20614562 914

Third Party Fund 40301984 42195900 470

- Current Account 15344593 15627127 184

- Saving Account 12379492 13614198 997

- Time Deposit 12577899 12954576 299

Profit amp LossIn million Rp

1H16 1H17 YoY

Interest Income 2398220 2346884 -214

Interest Expense (706449) (604954) -1437

Net Interest Income 1691771 1741930 296

Provision for Impairment (236065) (93973) -6019

Net profit 561100 738212 3157

Ratio 1H16 1H17 Ratio 1H16 1H17

ROA 318 401 BOPO 7056 6183

ROE 2087 2260 CAR 2065 2291

NIM 669 699 COF 284 245

LDR 7264 7226 CASA 6879 6930

Financial Performance

In million Rp 4

IR BJTM

Collectibility 5

Collectibility 4

Collectibility 3

Collectibility 2

Collectibility 1

Loan Impairment Loan Impairment

1233 978 1356 120162 28 55 30

47 22 52 27

456 49 431 30

27478

41

28596

55

Loan amp Impairment CompositionNPL

Information1H16 1H17

NPL Gross 458 480

NPL Net 107 067

Coverage Ratio

8337 9180

Consumerrsquos NPL

085 069

Commercialrsquos NPL

1310 1643

SMErsquos NPL 749 717

1H16 1H17

In Billion Rp

Non Performing Loan

5

NPLbull Collateral sold in auction 147 billion rupiah and auction registered still up to 100 billion rupiahbull Extracomptable or write-off collection result to 336 billion rupiah

IR BJTM

BUSINESS PLAN 2017

6

IR BJTM

Description 2015 2016 2017 Econsolidated

2017 Econventional

Total Asset 1265 054 512 919

Loan 846 445 863 1175

Third Party Fund 1319 -428 744 1257

Pre Tax Profit -833 1513 1001 1020

Financial Ratio

- CAR 2122 2388 2259

- LDR 8292 9048 9148

- NPL Gross 429 477 310

- NIM 641 694 687

- BOPO 7611 7222 7076

- ROE 1611 1782 2055

- ROA 267 298 329

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 1072 1291 1425 1566 1575

Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - - - - -

550525500475475475430

838836

638726

683

335

445

345307302

361437

BI 7-Day RR INFLASI

36644114 4199

3862 3990 4092 4030 4200 4244 4413 4403

3320

3707 3714 4320 4464 4413 4469 4575 46054837 4917

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

in trillion Rp

LOAN FUND

558502471470473479492504502490501

608586

518525544544534555561550537

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 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

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

Total Asset 48061027 51560128 728 (1084245) 7284038 1243141 -21466 -8293

Placement BI amp SBI 11321922 13658218 2064 (1906658) 7342886 (1220968) -3596 -11663

Loan 29275967 30489868 415 1007664 (383849) 1198296 1892 -41218

Allowance for Impairment Losses

(1118884) (1342818) 2001 (69008) (29896) 9433 -11367 -13155

Third Party Fund 40301984 42195900 470 (1203937) 8680695 716548 -15952 -9175

- Current Account 15344593 15627127 184 (5692038) 7517556 (3179879) -4413 -14230

- Saving Account 12379492 13614198 997 1392434 (2176446) 1429005 263 -16566

- Time Deposit 12577899 12954576 299 3095668 3339585 2467422 -2029 -2612

Equity 6210672 7323052 1791 248261 (284738) 398219 6040 -23985

Balance Sheet

judul

IR BJTM

Table of Contents

2

Description Page

Agenda Cover

Table of Contents 2

Overview 2017 3 ndash 5

Business Plan 2017 6 ndash 8

Appendix 9 ndash 17

- Macro Economy Review 10

- Balance Sheet Profit amp Loss 11 ndash 12

- Financial Ratio 13

- Third Party Fund amp Loan 14 - 17

- Management 18 - 25

- Strength 26 ndash 34

Contact 35

IR BJTM

OVERVIEW

3

judul

IR BJTM

Balance SheetIn million Rp

1H16 1H17 YoY

Asset 48061027 51560128 728

Loan 29275967 30489868 415

- Commercial 6939580 6607934 -478

- SME 3448849 3267371 -526

- Consumer 18887537 20614562 914

Third Party Fund 40301984 42195900 470

- Current Account 15344593 15627127 184

- Saving Account 12379492 13614198 997

- Time Deposit 12577899 12954576 299

Profit amp LossIn million Rp

1H16 1H17 YoY

Interest Income 2398220 2346884 -214

Interest Expense (706449) (604954) -1437

Net Interest Income 1691771 1741930 296

Provision for Impairment (236065) (93973) -6019

Net profit 561100 738212 3157

Ratio 1H16 1H17 Ratio 1H16 1H17

ROA 318 401 BOPO 7056 6183

ROE 2087 2260 CAR 2065 2291

NIM 669 699 COF 284 245

LDR 7264 7226 CASA 6879 6930

Financial Performance

In million Rp 4

IR BJTM

Collectibility 5

Collectibility 4

Collectibility 3

Collectibility 2

Collectibility 1

Loan Impairment Loan Impairment

1233 978 1356 120162 28 55 30

47 22 52 27

456 49 431 30

27478

41

28596

55

Loan amp Impairment CompositionNPL

Information1H16 1H17

NPL Gross 458 480

NPL Net 107 067

Coverage Ratio

8337 9180

Consumerrsquos NPL

085 069

Commercialrsquos NPL

1310 1643

SMErsquos NPL 749 717

1H16 1H17

In Billion Rp

Non Performing Loan

5

NPLbull Collateral sold in auction 147 billion rupiah and auction registered still up to 100 billion rupiahbull Extracomptable or write-off collection result to 336 billion rupiah

IR BJTM

BUSINESS PLAN 2017

6

IR BJTM

Description 2015 2016 2017 Econsolidated

2017 Econventional

Total Asset 1265 054 512 919

Loan 846 445 863 1175

Third Party Fund 1319 -428 744 1257

Pre Tax Profit -833 1513 1001 1020

Financial Ratio

- CAR 2122 2388 2259

- LDR 8292 9048 9148

- NPL Gross 429 477 310

- NIM 641 694 687

- BOPO 7611 7222 7076

- ROE 1611 1782 2055

- ROA 267 298 329

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 1072 1291 1425 1566 1575

Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - - - - -

550525500475475475430

838836

638726

683

335

445

345307302

361437

BI 7-Day RR INFLASI

36644114 4199

3862 3990 4092 4030 4200 4244 4413 4403

3320

3707 3714 4320 4464 4413 4469 4575 46054837 4917

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

in trillion Rp

LOAN FUND

558502471470473479492504502490501

608586

518525544544534555561550537

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 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

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

Total Asset 48061027 51560128 728 (1084245) 7284038 1243141 -21466 -8293

Placement BI amp SBI 11321922 13658218 2064 (1906658) 7342886 (1220968) -3596 -11663

Loan 29275967 30489868 415 1007664 (383849) 1198296 1892 -41218

Allowance for Impairment Losses

(1118884) (1342818) 2001 (69008) (29896) 9433 -11367 -13155

Third Party Fund 40301984 42195900 470 (1203937) 8680695 716548 -15952 -9175

- Current Account 15344593 15627127 184 (5692038) 7517556 (3179879) -4413 -14230

- Saving Account 12379492 13614198 997 1392434 (2176446) 1429005 263 -16566

- Time Deposit 12577899 12954576 299 3095668 3339585 2467422 -2029 -2612

Equity 6210672 7323052 1791 248261 (284738) 398219 6040 -23985

Balance Sheet

IR BJTM

OVERVIEW

3

judul

IR BJTM

Balance SheetIn million Rp

1H16 1H17 YoY

Asset 48061027 51560128 728

Loan 29275967 30489868 415

- Commercial 6939580 6607934 -478

- SME 3448849 3267371 -526

- Consumer 18887537 20614562 914

Third Party Fund 40301984 42195900 470

- Current Account 15344593 15627127 184

- Saving Account 12379492 13614198 997

- Time Deposit 12577899 12954576 299

Profit amp LossIn million Rp

1H16 1H17 YoY

Interest Income 2398220 2346884 -214

Interest Expense (706449) (604954) -1437

Net Interest Income 1691771 1741930 296

Provision for Impairment (236065) (93973) -6019

Net profit 561100 738212 3157

Ratio 1H16 1H17 Ratio 1H16 1H17

ROA 318 401 BOPO 7056 6183

ROE 2087 2260 CAR 2065 2291

NIM 669 699 COF 284 245

LDR 7264 7226 CASA 6879 6930

Financial Performance

In million Rp 4

IR BJTM

Collectibility 5

Collectibility 4

Collectibility 3

Collectibility 2

Collectibility 1

Loan Impairment Loan Impairment

1233 978 1356 120162 28 55 30

47 22 52 27

456 49 431 30

27478

41

28596

55

Loan amp Impairment CompositionNPL

Information1H16 1H17

NPL Gross 458 480

NPL Net 107 067

Coverage Ratio

8337 9180

Consumerrsquos NPL

085 069

Commercialrsquos NPL

1310 1643

SMErsquos NPL 749 717

1H16 1H17

In Billion Rp

Non Performing Loan

5

NPLbull Collateral sold in auction 147 billion rupiah and auction registered still up to 100 billion rupiahbull Extracomptable or write-off collection result to 336 billion rupiah

IR BJTM

BUSINESS PLAN 2017

6

IR BJTM

Description 2015 2016 2017 Econsolidated

2017 Econventional

Total Asset 1265 054 512 919

Loan 846 445 863 1175

Third Party Fund 1319 -428 744 1257

Pre Tax Profit -833 1513 1001 1020

Financial Ratio

- CAR 2122 2388 2259

- LDR 8292 9048 9148

- NPL Gross 429 477 310

- NIM 641 694 687

- BOPO 7611 7222 7076

- ROE 1611 1782 2055

- ROA 267 298 329

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 1072 1291 1425 1566 1575

Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - - - - -

550525500475475475430

838836

638726

683

335

445

345307302

361437

BI 7-Day RR INFLASI

36644114 4199

3862 3990 4092 4030 4200 4244 4413 4403

3320

3707 3714 4320 4464 4413 4469 4575 46054837 4917

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

in trillion Rp

LOAN FUND

558502471470473479492504502490501

608586

518525544544534555561550537

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 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

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

Total Asset 48061027 51560128 728 (1084245) 7284038 1243141 -21466 -8293

Placement BI amp SBI 11321922 13658218 2064 (1906658) 7342886 (1220968) -3596 -11663

Loan 29275967 30489868 415 1007664 (383849) 1198296 1892 -41218

Allowance for Impairment Losses

(1118884) (1342818) 2001 (69008) (29896) 9433 -11367 -13155

Third Party Fund 40301984 42195900 470 (1203937) 8680695 716548 -15952 -9175

- Current Account 15344593 15627127 184 (5692038) 7517556 (3179879) -4413 -14230

- Saving Account 12379492 13614198 997 1392434 (2176446) 1429005 263 -16566

- Time Deposit 12577899 12954576 299 3095668 3339585 2467422 -2029 -2612

Equity 6210672 7323052 1791 248261 (284738) 398219 6040 -23985

Balance Sheet

judul

IR BJTM

Balance SheetIn million Rp

1H16 1H17 YoY

Asset 48061027 51560128 728

Loan 29275967 30489868 415

- Commercial 6939580 6607934 -478

- SME 3448849 3267371 -526

- Consumer 18887537 20614562 914

Third Party Fund 40301984 42195900 470

- Current Account 15344593 15627127 184

- Saving Account 12379492 13614198 997

- Time Deposit 12577899 12954576 299

Profit amp LossIn million Rp

1H16 1H17 YoY

Interest Income 2398220 2346884 -214

Interest Expense (706449) (604954) -1437

Net Interest Income 1691771 1741930 296

Provision for Impairment (236065) (93973) -6019

Net profit 561100 738212 3157

Ratio 1H16 1H17 Ratio 1H16 1H17

ROA 318 401 BOPO 7056 6183

ROE 2087 2260 CAR 2065 2291

NIM 669 699 COF 284 245

LDR 7264 7226 CASA 6879 6930

Financial Performance

In million Rp 4

IR BJTM

Collectibility 5

Collectibility 4

Collectibility 3

Collectibility 2

Collectibility 1

Loan Impairment Loan Impairment

1233 978 1356 120162 28 55 30

47 22 52 27

456 49 431 30

27478

41

28596

55

Loan amp Impairment CompositionNPL

Information1H16 1H17

NPL Gross 458 480

NPL Net 107 067

Coverage Ratio

8337 9180

Consumerrsquos NPL

085 069

Commercialrsquos NPL

1310 1643

SMErsquos NPL 749 717

1H16 1H17

In Billion Rp

Non Performing Loan

5

NPLbull Collateral sold in auction 147 billion rupiah and auction registered still up to 100 billion rupiahbull Extracomptable or write-off collection result to 336 billion rupiah

IR BJTM

BUSINESS PLAN 2017

6

IR BJTM

Description 2015 2016 2017 Econsolidated

2017 Econventional

Total Asset 1265 054 512 919

Loan 846 445 863 1175

Third Party Fund 1319 -428 744 1257

Pre Tax Profit -833 1513 1001 1020

Financial Ratio

- CAR 2122 2388 2259

- LDR 8292 9048 9148

- NPL Gross 429 477 310

- NIM 641 694 687

- BOPO 7611 7222 7076

- ROE 1611 1782 2055

- ROA 267 298 329

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 1072 1291 1425 1566 1575

Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - - - - -

550525500475475475430

838836

638726

683

335

445

345307302

361437

BI 7-Day RR INFLASI

36644114 4199

3862 3990 4092 4030 4200 4244 4413 4403

3320

3707 3714 4320 4464 4413 4469 4575 46054837 4917

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

in trillion Rp

LOAN FUND

558502471470473479492504502490501

608586

518525544544534555561550537

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 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

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

Total Asset 48061027 51560128 728 (1084245) 7284038 1243141 -21466 -8293

Placement BI amp SBI 11321922 13658218 2064 (1906658) 7342886 (1220968) -3596 -11663

Loan 29275967 30489868 415 1007664 (383849) 1198296 1892 -41218

Allowance for Impairment Losses

(1118884) (1342818) 2001 (69008) (29896) 9433 -11367 -13155

Third Party Fund 40301984 42195900 470 (1203937) 8680695 716548 -15952 -9175

- Current Account 15344593 15627127 184 (5692038) 7517556 (3179879) -4413 -14230

- Saving Account 12379492 13614198 997 1392434 (2176446) 1429005 263 -16566

- Time Deposit 12577899 12954576 299 3095668 3339585 2467422 -2029 -2612

Equity 6210672 7323052 1791 248261 (284738) 398219 6040 -23985

Balance Sheet

IR BJTM

Collectibility 5

Collectibility 4

Collectibility 3

Collectibility 2

Collectibility 1

Loan Impairment Loan Impairment

1233 978 1356 120162 28 55 30

47 22 52 27

456 49 431 30

27478

41

28596

55

Loan amp Impairment CompositionNPL

Information1H16 1H17

NPL Gross 458 480

NPL Net 107 067

Coverage Ratio

8337 9180

Consumerrsquos NPL

085 069

Commercialrsquos NPL

1310 1643

SMErsquos NPL 749 717

1H16 1H17

In Billion Rp

Non Performing Loan

5

NPLbull Collateral sold in auction 147 billion rupiah and auction registered still up to 100 billion rupiahbull Extracomptable or write-off collection result to 336 billion rupiah

IR BJTM

BUSINESS PLAN 2017

6

IR BJTM

Description 2015 2016 2017 Econsolidated

2017 Econventional

Total Asset 1265 054 512 919

Loan 846 445 863 1175

Third Party Fund 1319 -428 744 1257

Pre Tax Profit -833 1513 1001 1020

Financial Ratio

- CAR 2122 2388 2259

- LDR 8292 9048 9148

- NPL Gross 429 477 310

- NIM 641 694 687

- BOPO 7611 7222 7076

- ROE 1611 1782 2055

- ROA 267 298 329

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 1072 1291 1425 1566 1575

Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - - - - -

550525500475475475430

838836

638726

683

335

445

345307302

361437

BI 7-Day RR INFLASI

36644114 4199

3862 3990 4092 4030 4200 4244 4413 4403

3320

3707 3714 4320 4464 4413 4469 4575 46054837 4917

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

in trillion Rp

LOAN FUND

558502471470473479492504502490501

608586

518525544544534555561550537

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 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

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

Total Asset 48061027 51560128 728 (1084245) 7284038 1243141 -21466 -8293

Placement BI amp SBI 11321922 13658218 2064 (1906658) 7342886 (1220968) -3596 -11663

Loan 29275967 30489868 415 1007664 (383849) 1198296 1892 -41218

Allowance for Impairment Losses

(1118884) (1342818) 2001 (69008) (29896) 9433 -11367 -13155

Third Party Fund 40301984 42195900 470 (1203937) 8680695 716548 -15952 -9175

- Current Account 15344593 15627127 184 (5692038) 7517556 (3179879) -4413 -14230

- Saving Account 12379492 13614198 997 1392434 (2176446) 1429005 263 -16566

- Time Deposit 12577899 12954576 299 3095668 3339585 2467422 -2029 -2612

Equity 6210672 7323052 1791 248261 (284738) 398219 6040 -23985

Balance Sheet

IR BJTM

BUSINESS PLAN 2017

6

IR BJTM

Description 2015 2016 2017 Econsolidated

2017 Econventional

Total Asset 1265 054 512 919

Loan 846 445 863 1175

Third Party Fund 1319 -428 744 1257

Pre Tax Profit -833 1513 1001 1020

Financial Ratio

- CAR 2122 2388 2259

- LDR 8292 9048 9148

- NPL Gross 429 477 310

- NIM 641 694 687

- BOPO 7611 7222 7076

- ROE 1611 1782 2055

- ROA 267 298 329

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 1072 1291 1425 1566 1575

Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - - - - -

550525500475475475430

838836

638726

683

335

445

345307302

361437

BI 7-Day RR INFLASI

36644114 4199

3862 3990 4092 4030 4200 4244 4413 4403

3320

3707 3714 4320 4464 4413 4469 4575 46054837 4917

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

in trillion Rp

LOAN FUND

558502471470473479492504502490501

608586

518525544544534555561550537

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 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

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

Total Asset 48061027 51560128 728 (1084245) 7284038 1243141 -21466 -8293

Placement BI amp SBI 11321922 13658218 2064 (1906658) 7342886 (1220968) -3596 -11663

Loan 29275967 30489868 415 1007664 (383849) 1198296 1892 -41218

Allowance for Impairment Losses

(1118884) (1342818) 2001 (69008) (29896) 9433 -11367 -13155

Third Party Fund 40301984 42195900 470 (1203937) 8680695 716548 -15952 -9175

- Current Account 15344593 15627127 184 (5692038) 7517556 (3179879) -4413 -14230

- Saving Account 12379492 13614198 997 1392434 (2176446) 1429005 263 -16566

- Time Deposit 12577899 12954576 299 3095668 3339585 2467422 -2029 -2612

Equity 6210672 7323052 1791 248261 (284738) 398219 6040 -23985

Balance Sheet

IR BJTM

Description 2015 2016 2017 Econsolidated

2017 Econventional

Total Asset 1265 054 512 919

Loan 846 445 863 1175

Third Party Fund 1319 -428 744 1257

Pre Tax Profit -833 1513 1001 1020

Financial Ratio

- CAR 2122 2388 2259

- LDR 8292 9048 9148

- NPL Gross 429 477 310

- NIM 641 694 687

- BOPO 7611 7222 7076

- ROE 1611 1782 2055

- ROA 267 298 329

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 1072 1291 1425 1566 1575

Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - - - - -

550525500475475475430

838836

638726

683

335

445

345307302

361437

BI 7-Day RR INFLASI

36644114 4199

3862 3990 4092 4030 4200 4244 4413 4403

3320

3707 3714 4320 4464 4413 4469 4575 46054837 4917

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

in trillion Rp

LOAN FUND

558502471470473479492504502490501

608586

518525544544534555561550537

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 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

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

Total Asset 48061027 51560128 728 (1084245) 7284038 1243141 -21466 -8293

Placement BI amp SBI 11321922 13658218 2064 (1906658) 7342886 (1220968) -3596 -11663

Loan 29275967 30489868 415 1007664 (383849) 1198296 1892 -41218

Allowance for Impairment Losses

(1118884) (1342818) 2001 (69008) (29896) 9433 -11367 -13155

Third Party Fund 40301984 42195900 470 (1203937) 8680695 716548 -15952 -9175

- Current Account 15344593 15627127 184 (5692038) 7517556 (3179879) -4413 -14230

- Saving Account 12379492 13614198 997 1392434 (2176446) 1429005 263 -16566

- Time Deposit 12577899 12954576 299 3095668 3339585 2467422 -2029 -2612

Equity 6210672 7323052 1791 248261 (284738) 398219 6040 -23985

Balance Sheet

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 1072 1291 1425 1566 1575

Networks Plan

8

IR BJTM

APPENDIX

9

IR BJTM

- - - - - - -

550525500475475475430

838836

638726

683

335

445

345307302

361437

BI 7-Day RR INFLASI

36644114 4199

3862 3990 4092 4030 4200 4244 4413 4403

3320

3707 3714 4320 4464 4413 4469 4575 46054837 4917

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

in trillion Rp

LOAN FUND

558502471470473479492504502490501

608586

518525544544534555561550537

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 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

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

Total Asset 48061027 51560128 728 (1084245) 7284038 1243141 -21466 -8293

Placement BI amp SBI 11321922 13658218 2064 (1906658) 7342886 (1220968) -3596 -11663

Loan 29275967 30489868 415 1007664 (383849) 1198296 1892 -41218

Allowance for Impairment Losses

(1118884) (1342818) 2001 (69008) (29896) 9433 -11367 -13155

Third Party Fund 40301984 42195900 470 (1203937) 8680695 716548 -15952 -9175

- Current Account 15344593 15627127 184 (5692038) 7517556 (3179879) -4413 -14230

- Saving Account 12379492 13614198 997 1392434 (2176446) 1429005 263 -16566

- Time Deposit 12577899 12954576 299 3095668 3339585 2467422 -2029 -2612

Equity 6210672 7323052 1791 248261 (284738) 398219 6040 -23985

Balance Sheet

IR BJTM

APPENDIX

9

IR BJTM

- - - - - - -

550525500475475475430

838836

638726

683

335

445

345307302

361437

BI 7-Day RR INFLASI

36644114 4199

3862 3990 4092 4030 4200 4244 4413 4403

3320

3707 3714 4320 4464 4413 4469 4575 46054837 4917

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

in trillion Rp

LOAN FUND

558502471470473479492504502490501

608586

518525544544534555561550537

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 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

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

Total Asset 48061027 51560128 728 (1084245) 7284038 1243141 -21466 -8293

Placement BI amp SBI 11321922 13658218 2064 (1906658) 7342886 (1220968) -3596 -11663

Loan 29275967 30489868 415 1007664 (383849) 1198296 1892 -41218

Allowance for Impairment Losses

(1118884) (1342818) 2001 (69008) (29896) 9433 -11367 -13155

Third Party Fund 40301984 42195900 470 (1203937) 8680695 716548 -15952 -9175

- Current Account 15344593 15627127 184 (5692038) 7517556 (3179879) -4413 -14230

- Saving Account 12379492 13614198 997 1392434 (2176446) 1429005 263 -16566

- Time Deposit 12577899 12954576 299 3095668 3339585 2467422 -2029 -2612

Equity 6210672 7323052 1791 248261 (284738) 398219 6040 -23985

Balance Sheet

IR BJTM

- - - - - - -

550525500475475475430

838836

638726

683

335

445

345307302

361437

BI 7-Day RR INFLASI

36644114 4199

3862 3990 4092 4030 4200 4244 4413 4403

3320

3707 3714 4320 4464 4413 4469 4575 46054837 4917

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

in trillion Rp

LOAN FUND

558502471470473479492504502490501

608586

518525544544534555561550537

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 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

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

Total Asset 48061027 51560128 728 (1084245) 7284038 1243141 -21466 -8293

Placement BI amp SBI 11321922 13658218 2064 (1906658) 7342886 (1220968) -3596 -11663

Loan 29275967 30489868 415 1007664 (383849) 1198296 1892 -41218

Allowance for Impairment Losses

(1118884) (1342818) 2001 (69008) (29896) 9433 -11367 -13155

Third Party Fund 40301984 42195900 470 (1203937) 8680695 716548 -15952 -9175

- Current Account 15344593 15627127 184 (5692038) 7517556 (3179879) -4413 -14230

- Saving Account 12379492 13614198 997 1392434 (2176446) 1429005 263 -16566

- Time Deposit 12577899 12954576 299 3095668 3339585 2467422 -2029 -2612

Equity 6210672 7323052 1791 248261 (284738) 398219 6040 -23985

Balance Sheet

IR BJTM 11

InformationIn million Rp

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

Total Asset 48061027 51560128 728 (1084245) 7284038 1243141 -21466 -8293

Placement BI amp SBI 11321922 13658218 2064 (1906658) 7342886 (1220968) -3596 -11663

Loan 29275967 30489868 415 1007664 (383849) 1198296 1892 -41218

Allowance for Impairment Losses

(1118884) (1342818) 2001 (69008) (29896) 9433 -11367 -13155

Third Party Fund 40301984 42195900 470 (1203937) 8680695 716548 -15952 -9175

- Current Account 15344593 15627127 184 (5692038) 7517556 (3179879) -4413 -14230

- Saving Account 12379492 13614198 997 1392434 (2176446) 1429005 263 -16566

- Time Deposit 12577899 12954576 299 3095668 3339585 2467422 -2029 -2612

Equity 6210672 7323052 1791 248261 (284738) 398219 6040 -23985

Balance Sheet

IR BJTM 12

InformationIn million Rp

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

Interest Income 2398220 2346884 -214 1237862 1113221 1233663 -034 1082

Interest Expense (706449) (604954) -1437 (384498) (266362) (338592) -1194 2712

Nett Interest Income 1691771 1741930 296 853364 846859 895071 489 569

Non Interest Operational Income

229819 245809 696 123216 108360 137449 1155 2684

Non Interest Operational Expense

(911948) (904037) -087 (487031) (401957) (502080) 309 2491

Provision for Impairment Losses

(236065) (93973) -6019 (155374) (96610) 2638 -10170 -10273

Nett Non Interest Operational Income (Expense)

(918193) (752201) -1808 (519189) (390207) (361994) -3028 -723

Operational Profit 773578 989730 2794 334175 456653 533077 5952 1674

Non Operational Profit 4587 10442 12766 (161) 7596 2846 -186692 -6253

Pre Tax Profit 778164 1000171 2853 334014 464248 535923 6045 1544

Taxes (217065) (261959) 2068 (85752) (124255) (137704) 6058 1082

Net profit 561100 738212 3157 248261 339993 398219 6040 1713

Profit Loss

IR BJTM

R

O

A

R

O

E

N

I

M

407355

394 375

558 497

334382 352

267

380318 309 298

396 401

3848

3085 31482859

40573365

1896 1904 18981611

2349 20872014

17822071 2260

934

728835

766917

795648

714 690 641 683 669 670 694 718 699

L

D

R

C

A

R

B

O

P

O

3875 4211

5404

69678070 8011 8355 8498 8654 8292

6811 7264 71979048

7062 7226

38453339

25362132 1919

1653

26562372 2217 2122 1946 2065 2243 2388 2230 2291

6943 6820 6742 66045958 6002

6869 7028 6963 7611 6532 7056 7115 722262626183

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

Financial Ratio

13

22210

27416 25987

35479

30270

42681 43754

34263

41506 40302 41165

32799

41479 42196

20000

25000

30000

35000

40000

45000

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

Third Party Fund

IR BJTM

Current Account Junrsquo16 Junrsquo17 YoY Junrsquo16 Junrsquo17 Junrsquo16 Junrsquo17

Government 10411 10660 239 2583 2526 1119484 1122058

Private 4933 4968 069 1224 1177 927 866

Total 15345 15627 184 3807 3703 2877 2721

Saving Account Junrsquo16 Junrsquo17 YoY Junrsquo16 Junrsquo17 Junrsquo16 Junrsquo17

Simpeda 10330 10524 187 2563 2494 58 57

Siklus 752 1561 10759 187 370 60 88

Tab Haji 208 213 277 052 051 18 17

TabunganKu SimPel 980 1177 2011 243 279 04 04

Barokah 110 139 2647 027 033 59 59

Total 12379 13614 997 3072 3226 26 26

Time Deposit Junrsquo16 Junrsquo17 YoY Junrsquo16 Junrsquo17 Junrsquo16 Junrsquo17

Deposit 12578 12955 299 3121 3070 3506 3109

Total 12578 12955 299 3121 3070 3506 3109

Funding Growth Composition

Third Party Fund

Ticket Sizein million

in billion

14

22210

27416 25987

35479

30270

42681 43754

34263

41506 40302 41165

32799

41479 42196

20000

25000

30000

35000

40000

45000

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

Third Party Fund

IR BJTM

Current Account Junrsquo16 Junrsquo17 YoY Junrsquo16 Junrsquo17 Junrsquo16 Junrsquo17

Government 10411 10660 239 2583 2526 1119484 1122058

Private 4933 4968 069 1224 1177 927 866

Total 15345 15627 184 3807 3703 2877 2721

Saving Account Junrsquo16 Junrsquo17 YoY Junrsquo16 Junrsquo17 Junrsquo16 Junrsquo17

Simpeda 10330 10524 187 2563 2494 58 57

Siklus 752 1561 10759 187 370 60 88

Tab Haji 208 213 277 052 051 18 17

TabunganKu SimPel 980 1177 2011 243 279 04 04

Barokah 110 139 2647 027 033 59 59

Total 12379 13614 997 3072 3226 26 26

Time Deposit Junrsquo16 Junrsquo17 YoY Junrsquo16 Junrsquo17 Junrsquo16 Junrsquo17

Deposit 12578 12955 299 3121 3070 3506 3109

Total 12578 12955 299 3121 3070 3506 3109

Funding Growth Composition

Third Party Fund

Ticket Sizein million

in billion

14

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

30490

24000

26000

28000

30000

32000

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

Loan

IR BJTM

CONSUMER Junrsquo16 Junrsquo17 YoY Junrsquo16 Junrsquo17 Junrsquo16 Junrsquo17

Multi Purpose 16499 17767 769 5636 5827 690 746

Mortgage 1502 1715 1420 513 563 1772 1874Other 887 1133 2772 303 371 1404 2096

Total 18888 20615 914 6452 6761 744 816

COMMERCIAL Junrsquo16 Junrsquo17 YoY Junrsquo16 Junrsquo17 Junrsquo16 Junrsquo17

Standby Loan 656 548 -1636 224 180 2913 4517Keppres 964 625 -3519 329 205 3033 3102

Overdraft 2867 2965 340 979 972 7739 8273Syndicate 1301 1002 -2300 445 329 520557 527398

General 1151 1468 2753 393 481 8880 7043

Total 6940 6608 -478 2370 2167 6637 7411

S M E Junrsquo16 Junrsquo17 YoY Junrsquo16 Junrsquo17 Junrsquo16 Junrsquo17

Pundi 1273 1415 1116 435 464 623 612

Laguna 17 30 7319 006 010 111 199Bankit KKPA 175 396 12559 060 130 417 606

Siumi 14 29 9789 005 009 1253 977

Jatim Mikro 557 602 795 190 197 1356 1050Others 1411 796 -4357 482 261 1347 1489

Total 3449 3267 -526 1178 1072 843 768

Lending Growth Composition

Loan

Ticket Sizein million

in billion

15

IR BJTM 16

LOAN FY14 ndash 1H17

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

Multi Purpose 14849126 15151844 15609337 15793553 15924309 16116984 16498907 16671584 17131199 17177244 17766924

Mortgage 1298747 1339574 1368836 1399421 1434353 1464781 1501875 1528177 1589130 1614312 1715118

Other 612797 600017 650766 792056 827428 845423 886754 916066 1104855 1142783 1132520

Total 16760670 17091435 17628939 17985030 18186090 18427187 18887537 19115827 19825183 19934339 20614562

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

Standby Loan 1013324 811732 1023403 1244437 847263 593513 655632 657163 531315 436239 548373

Keppres 687257 449185 977652 1336954 748105 559221 964276 1091251 546405 357492 624976

Overdraft 2307783 2575177 2741317 2691570 2766452 2821776 2867474 2950827 2985503 2935996 2964871

Syndicate 1171171 1218198 1281280 1313528 1335649 1359599 1301393 1318861 1254721 1055945 1002057

General 1004389 1088496 1145543 1243918 1251986 1116825 1316609 1346781 1375272 1391778 1467658

Total 6183924 6142789 7169195 7830406 6949455 6450934 7105384 7364883 6693215 6177449 6607934

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

Pundi 796281 949857 1108092 1156961 1177643 1222691 1273067 1256921 1300929 1346491 1415106

Laguna 30078 26657 30143 24925 21204 18774 17258 15390 35975 38768 29890

Bankit KKPA 73113 86147 103885 131054 130478 128615 175481 208789 272642 338899 395875

Siumi 0 0 0 995 954 2456 14412 23176 26523 24611 28521

Jatim Mikro 263067 344132 451632 490838 519834 530118 557303 561646 562361 578536 601615

Others 2087748 1926924 1796856 1615658 1426340 1487528 1245524 1078463 958593 852479 796364

Total 3250286 3333717 3490608 3420431 3276454 3390182 3283046 3144384 3157023 3179783 3267371

in million

IR BJTM 17

NPL FY14 ndash 1H17

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

NPL Gross 331 387 382 422 429 459 458 492 477 484 480

NPL Net 108 111 147 128 110 119 107 104 065 055 067

Coverage Ratio 7143 7895 7582 8428 8102 8087 8337 8418 9349 9533 9180

CONSUMER 060 066 075 086 074 082 085 089 084 064 069

COMMERCIAL 727 1040 922 1001 1207 1369 1310 1416 1502 1693 1643

S M E 764 824 814 841 709 738 749 729 695 691 717

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 amp Corporate Business Director 2 Medium amp Corporate Director

3 Operational Director 3 Operational Director

4 Agribusiness amp Sharia Business Director 4 Retail Consumer amp Sharia Business Director

5 Compliance Director 5 Compliance amp Human Capital Director

6 Risk Management Director

7 Finance Director

As a result of Bank Jatimrsquos 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 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

21

Hadi Santoso Compliance amp

Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim

Rizyana Mirda Risk Management

Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

Effective after pass OJKrsquos Fit and Proper Test

IR BJTM 22

Compliance amp Human Capital Directorbull Compliance amp GCG Divisionbull Law Divisionbull Human Capital Division

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

contradict with legalbull Determination of procedures inherent to the compliance

violantbull Workers productivity

Risk Management Directorbull Credit Risk Divisionbull Corporate Risk Management

Divisionbull Credit Rescue amp Completion

Division

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

products especially individual loan (loan quality)bull Classified Loanbull Recovery Ratebull Recovery Intracomptable dan Extracomptablebull Expansion and average volume of loan balance

Finance Directorbull Treasury Divisionbull Budget amp Financial

Controlling Divisionbull Strategic Planning amp

Management Performance Strategy Division

bull Market cap growth realizationbull Return after tax gainingbull Return on Equity (after tax)bull Finance Director Revenue included Total of Treasury

Revenue dan FI segmentbull Fee Based Income contributionbull Yield Portofolio Treasury

New Director Target

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 amp Corporate Business Director 2 Medium amp Corporate Director

3 Operational Director 3 Operational Director

4 Agribusiness amp Sharia Business Director 4 Retail Consumer amp Sharia Business Director

5 Compliance Director 5 Compliance amp Human Capital Director

6 Risk Management Director

7 Finance Director

As a result of Bank Jatimrsquos 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 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

21

Hadi Santoso Compliance amp

Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim

Rizyana Mirda Risk Management

Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

Effective after pass OJKrsquos Fit and Proper Test

IR BJTM 22

Compliance amp Human Capital Directorbull Compliance amp GCG Divisionbull Law Divisionbull Human Capital Division

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

contradict with legalbull Determination of procedures inherent to the compliance

violantbull Workers productivity

Risk Management Directorbull Credit Risk Divisionbull Corporate Risk Management

Divisionbull Credit Rescue amp Completion

Division

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

products especially individual loan (loan quality)bull Classified Loanbull Recovery Ratebull Recovery Intracomptable dan Extracomptablebull Expansion and average volume of loan balance

Finance Directorbull Treasury Divisionbull Budget amp Financial

Controlling Divisionbull Strategic Planning amp

Management Performance Strategy Division

bull Market cap growth realizationbull Return after tax gainingbull Return on Equity (after tax)bull Finance Director Revenue included Total of Treasury

Revenue dan FI segmentbull Fee Based Income contributionbull Yield Portofolio Treasury

New Director Target

IR BJTM

Change of Director Structures

20

No Old Structures No New Structures

1 President Director 1 President Director

2 Medium amp Corporate Business Director 2 Medium amp Corporate Director

3 Operational Director 3 Operational Director

4 Agribusiness amp Sharia Business Director 4 Retail Consumer amp Sharia Business Director

5 Compliance Director 5 Compliance amp Human Capital Director

6 Risk Management Director

7 Finance Director

As a result of Bank Jatimrsquos 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 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

21

Hadi Santoso Compliance amp

Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim

Rizyana Mirda Risk Management

Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

Effective after pass OJKrsquos Fit and Proper Test

IR BJTM 22

Compliance amp Human Capital Directorbull Compliance amp GCG Divisionbull Law Divisionbull Human Capital Division

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

contradict with legalbull Determination of procedures inherent to the compliance

violantbull Workers productivity

Risk Management Directorbull Credit Risk Divisionbull Corporate Risk Management

Divisionbull Credit Rescue amp Completion

Division

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

products especially individual loan (loan quality)bull Classified Loanbull Recovery Ratebull Recovery Intracomptable dan Extracomptablebull Expansion and average volume of loan balance

Finance Directorbull Treasury Divisionbull Budget amp Financial

Controlling Divisionbull Strategic Planning amp

Management Performance Strategy Division

bull Market cap growth realizationbull Return after tax gainingbull Return on Equity (after tax)bull Finance Director Revenue included Total of Treasury

Revenue dan FI segmentbull Fee Based Income contributionbull Yield Portofolio Treasury

New Director Target

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 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

21

Hadi Santoso Compliance amp

Human Capital

Director

Experience

Sharia Business Div

MediumampCorporate

Credit Div

Bank Jatim

Rizyana Mirda Risk Management

Director

Experience

Credit Risk Div

MediumampCorporate

Credit Div

Bank Jatim

Effective after pass OJKrsquos Fit and Proper Test

IR BJTM 22

Compliance amp Human Capital Directorbull Compliance amp GCG Divisionbull Law Divisionbull Human Capital Division

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

contradict with legalbull Determination of procedures inherent to the compliance

violantbull Workers productivity

Risk Management Directorbull Credit Risk Divisionbull Corporate Risk Management

Divisionbull Credit Rescue amp Completion

Division

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

products especially individual loan (loan quality)bull Classified Loanbull Recovery Ratebull Recovery Intracomptable dan Extracomptablebull Expansion and average volume of loan balance

Finance Directorbull Treasury Divisionbull Budget amp Financial

Controlling Divisionbull Strategic Planning amp

Management Performance Strategy Division

bull Market cap growth realizationbull Return after tax gainingbull Return on Equity (after tax)bull Finance Director Revenue included Total of Treasury

Revenue dan FI segmentbull Fee Based Income contributionbull Yield Portofolio Treasury

New Director Target

IR BJTM 22

Compliance amp Human Capital Directorbull Compliance amp GCG Divisionbull Law Divisionbull Human Capital Division

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

contradict with legalbull Determination of procedures inherent to the compliance

violantbull Workers productivity

Risk Management Directorbull Credit Risk Divisionbull Corporate Risk Management

Divisionbull Credit Rescue amp Completion

Division

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

products especially individual loan (loan quality)bull Classified Loanbull Recovery Ratebull Recovery Intracomptable dan Extracomptablebull Expansion and average volume of loan balance

Finance Directorbull Treasury Divisionbull Budget amp Financial

Controlling Divisionbull Strategic Planning amp

Management Performance Strategy Division

bull Market cap growth realizationbull Return after tax gainingbull Return on Equity (after tax)bull Finance Director Revenue included Total of Treasury

Revenue dan FI segmentbull Fee Based Income contributionbull 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 amp 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 amp rating analysis

Credit Rescue amp Completion Division

- Lowering NPL1 Monitoring credit expansion2 Comprehensive collection3 Collateral auction4 Conduct bankcruptcy- Increase extracomptable collection by filtering potensial debtor

Risk Management Director Current Strategies

IR BJTM 25

SUBJECT STRATEGY

Bank Placement Interest IncomeICM provides a lower interest rate compared to time deposit

Strategy of optimizing short-term placements in time deposit

Securities interest incomeSecurities with high yield not optimal

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

Treasury Marketing and SalesForeign exchange and bank note transaction still lowNot 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

142157163174200

249291

331

380

525

429

516

46 55 74

101

131

161 186

223

262 287 297 305

120 132 137 145162

201222

260

303

446

328

422

04040505

090907

08094

118

103

148

0607 07 07 07

0809

08

12

134136

12

17 172 21

27 28 2933

41

4648 47

TOTAL ASSET (Rp Tril)

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

CAGR =

857

CAGR =

1197

CAGR =

531

NET PROFIT (Rp Tril)

THIRD PARTY FUND(Rp Tril)

CAGR =

1006

LOAN (Rp Tril)

CAGR =

1699

CAGR =

1136

Compound Annual Growth Rate

IR BJTM 27

142157163174200

249291

331

380

525

429

516

46 55 74

101

131

161 186

223

262 287 297 305

120 132 137 145162

201222

260

303

446

328

422

04040505

090907

08094

118

103

148

0607 07 07 07

0809

08

12

134136

12

17 172 21

27 28 2933

41

4648 47

TOTAL ASSET (Rp Tril)

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

CAGR =

857

CAGR =

1197

CAGR =

531

NET PROFIT (Rp Tril)

THIRD PARTY FUND(Rp Tril)

CAGR =

1006

LOAN (Rp Tril)

CAGR =

1699

CAGR =

1136

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

453

300 253 302 318 321261 316 354 348

268 301368 363

256 301 284 278186 230 245

500

275239

310 328 331258

326381 371

267345

395 382

250277 297 288

181235 256

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 5827 of total loan

NPL 031 as of June 2017

567 593 612 619 631 640 666 675 690 697 732 732 746

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

MULTIGUNA TICKET SIZE

13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767

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

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

5 Management 2 97 98

6 Management 3 280 264

7 Management 4 697 746

8 Staff of Administration 1975 1963

9 Staff Non Administration 332 319

10 Non Permanent 1155 1045

11 Outsource 1920 1974

Total 6490 6446

Human Resources

IR BJTM

31

B Series Investor 1H16 1H17

Foreign Investor 6771 6064

Domestic Investor 3229 3936

No Country Share

1 INDONESIA 393565

2 AMERIKA 280926

3 FINLANDIA 73038

4 IRLANDIA 67525

5 NORWEGIA 49673

6 LUKSEMBURG 38169

7 INGGRIS 21608

8 KANADA 18517

9 JEPANG 12271

10 AUSTRALIA 10972

11 SAUDI ARABIA 08573

12 SWITSERLAND 06143

B Series Investor Composition

Ownership

(A Series)East Java

Government5136

(A Series)City amp

Municipal Government

2848

(B Series)Public

Domestic793

(B Series)Public Foreign

1222

Total 100

No Country Share

13 SINGAPURA 04906

14 BERMUDA 03550

15 THAILAND 03331

16 BELANDA 01807

17 KOREA SELATAN 01645

18 CAYMAN ISLAND 00896

19 HONGKONG 00844

20 SWEDIA 00725

21 JERMAN 00646

22 CINA 00400

23 MALAYSIA 00247

24 FILIPINA 00022

Total 100

IR BJTM32

Dividen amp Stock

Fiscal yearPayment of Dividend Cash Per Share (Rp)

Net ProfitDividen Payment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

BJTM Price June 22 2017 IDR 665 share

PBV 136

EPS 9878

PER 673

Market Cap Rp 9939 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 irubankjatimcoid

IR Contact

35

Loan balance 5827 of total loan

NPL 031 as of June 2017

567 593 612 619 631 640 666 675 690 697 732 732 746

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

MULTIGUNA TICKET SIZE

13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767

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

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

5 Management 2 97 98

6 Management 3 280 264

7 Management 4 697 746

8 Staff of Administration 1975 1963

9 Staff Non Administration 332 319

10 Non Permanent 1155 1045

11 Outsource 1920 1974

Total 6490 6446

Human Resources

IR BJTM

31

B Series Investor 1H16 1H17

Foreign Investor 6771 6064

Domestic Investor 3229 3936

No Country Share

1 INDONESIA 393565

2 AMERIKA 280926

3 FINLANDIA 73038

4 IRLANDIA 67525

5 NORWEGIA 49673

6 LUKSEMBURG 38169

7 INGGRIS 21608

8 KANADA 18517

9 JEPANG 12271

10 AUSTRALIA 10972

11 SAUDI ARABIA 08573

12 SWITSERLAND 06143

B Series Investor Composition

Ownership

(A Series)East Java

Government5136

(A Series)City amp

Municipal Government

2848

(B Series)Public

Domestic793

(B Series)Public Foreign

1222

Total 100

No Country Share

13 SINGAPURA 04906

14 BERMUDA 03550

15 THAILAND 03331

16 BELANDA 01807

17 KOREA SELATAN 01645

18 CAYMAN ISLAND 00896

19 HONGKONG 00844

20 SWEDIA 00725

21 JERMAN 00646

22 CINA 00400

23 MALAYSIA 00247

24 FILIPINA 00022

Total 100

IR BJTM32

Dividen amp Stock

Fiscal yearPayment of Dividend Cash Per Share (Rp)

Net ProfitDividen Payment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

BJTM Price June 22 2017 IDR 665 share

PBV 136

EPS 9878

PER 673

Market Cap Rp 9939 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 irubankjatimcoid

IR Contact

35

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

5 Management 2 97 98

6 Management 3 280 264

7 Management 4 697 746

8 Staff of Administration 1975 1963

9 Staff Non Administration 332 319

10 Non Permanent 1155 1045

11 Outsource 1920 1974

Total 6490 6446

Human Resources

IR BJTM

31

B Series Investor 1H16 1H17

Foreign Investor 6771 6064

Domestic Investor 3229 3936

No Country Share

1 INDONESIA 393565

2 AMERIKA 280926

3 FINLANDIA 73038

4 IRLANDIA 67525

5 NORWEGIA 49673

6 LUKSEMBURG 38169

7 INGGRIS 21608

8 KANADA 18517

9 JEPANG 12271

10 AUSTRALIA 10972

11 SAUDI ARABIA 08573

12 SWITSERLAND 06143

B Series Investor Composition

Ownership

(A Series)East Java

Government5136

(A Series)City amp

Municipal Government

2848

(B Series)Public

Domestic793

(B Series)Public Foreign

1222

Total 100

No Country Share

13 SINGAPURA 04906

14 BERMUDA 03550

15 THAILAND 03331

16 BELANDA 01807

17 KOREA SELATAN 01645

18 CAYMAN ISLAND 00896

19 HONGKONG 00844

20 SWEDIA 00725

21 JERMAN 00646

22 CINA 00400

23 MALAYSIA 00247

24 FILIPINA 00022

Total 100

IR BJTM32

Dividen amp Stock

Fiscal yearPayment of Dividend Cash Per Share (Rp)

Net ProfitDividen Payment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

BJTM Price June 22 2017 IDR 665 share

PBV 136

EPS 9878

PER 673

Market Cap Rp 9939 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 irubankjatimcoid

IR Contact

35

IR BJTM

31

B Series Investor 1H16 1H17

Foreign Investor 6771 6064

Domestic Investor 3229 3936

No Country Share

1 INDONESIA 393565

2 AMERIKA 280926

3 FINLANDIA 73038

4 IRLANDIA 67525

5 NORWEGIA 49673

6 LUKSEMBURG 38169

7 INGGRIS 21608

8 KANADA 18517

9 JEPANG 12271

10 AUSTRALIA 10972

11 SAUDI ARABIA 08573

12 SWITSERLAND 06143

B Series Investor Composition

Ownership

(A Series)East Java

Government5136

(A Series)City amp

Municipal Government

2848

(B Series)Public

Domestic793

(B Series)Public Foreign

1222

Total 100

No Country Share

13 SINGAPURA 04906

14 BERMUDA 03550

15 THAILAND 03331

16 BELANDA 01807

17 KOREA SELATAN 01645

18 CAYMAN ISLAND 00896

19 HONGKONG 00844

20 SWEDIA 00725

21 JERMAN 00646

22 CINA 00400

23 MALAYSIA 00247

24 FILIPINA 00022

Total 100

IR BJTM32

Dividen amp Stock

Fiscal yearPayment of Dividend Cash Per Share (Rp)

Net ProfitDividen Payment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

BJTM Price June 22 2017 IDR 665 share

PBV 136

EPS 9878

PER 673

Market Cap Rp 9939 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 irubankjatimcoid

IR Contact

35

IR BJTM32

Dividen amp Stock

Fiscal yearPayment of Dividend Cash Per Share (Rp)

Net ProfitDividen Payment

Ratio

2012 3974 72463931390899 818

2013 4061 82431181537019 7350

2014 4186 93908359225350 665

2015 4300 88570838014200 7242

2016 4364 102821627432600 6343

BJTM Price June 22 2017 IDR 665 share

PBV 136

EPS 9878

PER 673

Market Cap Rp 9939 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 irubankjatimcoid

IR Contact

35

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 irubankjatimcoid

IR Contact

35

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 irubankjatimcoid

IR Contact

35

IR BJTM

Investor Relations (IR)

Corporate Secretary

(031) 5310090 ext 469

Email irubankjatimcoid

IR Contact

35