COMPANYPERFORMANCE BJTM

3 M 17

ANALYST MEETING QUARTER I 2017IR BJTM 1

judul

IR BJTM

Table of Contents

2

Description Page

Agenda Cover

Table of Contents 2

Overview 2017 3 ndash 6

Business Plan 2017 7 ndash 9

Appendix 10 ndash 16

- Macro Economy Review 11

- Balance Sheet 12

- Profit amp Loss 13

- Financial Ratio 14

- Third Party Fund 15

- Loan 16

Strength 17 ndash 30

Contact 31

IR BJTM

OVERVIEW

3

judul

IR BJTM

Balance SheetIn million Rp

3M16 3M17 YoY

Asset 49145272 50316988 238

Loan 28268303 29291572 362

- Commercial 6450934 6177449 -424

- SME 3390182 3179783 -621

- Consumer 18427187 19934339 818

Third Party Fund 41505921 41479352 -006

- Current Account 21036631 18807006 -1060

- Saving Account 10987058 12185193 1090

- Time Deposit 9482231 10487153 1060

Profit amp LossIn million Rp

3M16 3M17 YoY

Interest Income 1160358 1113221 -406

Interest Expense -321951 -266362 -1727

Net Interest Income 838407 846859 101

Provision for Impairment -80690 -96610 1973

Net profit 312838 339993 868

Ratio 3M16 3M17 Ratio 3M16 3M17

ROA 380 396 BOPO 6532 6262

ROE 2349 2071 CAR 1946 2230

NIM 683 718 COF 301 230

LDR 6811 7062 CASA 7715 7472

Financial Performance

In million Rp 4

IR BJTM

Collectibility 5

Collectibility 4

Collectibility 3

Collectibility 2

Collectibility 1

Loan Impairment Loan Impairment

1203 926 1338 120366 27 46 32

29 10 34 23

447 49 410 38

26523

39

27463

57

Loan amp Impairment CompositionNPL

Information3M16 3M17

NPL Gross 459 484

NPL Net 119 055

Coverage Ratio

8087 9533

Consumerrsquos NPL

082 064

Commercialrsquos NPL

1369 1693

SMErsquos NPL 738 691

3M16 3M17

In Billion Rp

Non Performing Loan

5

IR BJTM 6

SME amp Consumerbull Disbursement from Loan Agreement fund from East Java Government changed

to secondary sector prior to primary sector As a result the market expanding but still targeting SME with single digit lending rate

bull LPDB fund from cooperative ministry will increase aprox 575 billionbull Ahead of new school year and fasting Eid Multipurpose loan will promote its

lending rate to increase loan

Commercialbull Keppres collateral lowered back with mitigation cessie tied notarizedbull Processing the institution loan plan such as hospital port university toll road

etc up to 885 billion rupiah

NPLbull Collateral sold in auction 117 billion rupiah and auction registered still up to

100 billion rupiahbull Extracomptable or write-off collection result to 12 billion rupiah

2017 Operational Current Result

judul

IR BJTM

Table of Contents

2

Description Page

Agenda Cover

Table of Contents 2

Overview 2017 3 ndash 6

Business Plan 2017 7 ndash 9

Appendix 10 ndash 16

- Macro Economy Review 11

- Balance Sheet 12

- Profit amp Loss 13

- Financial Ratio 14

- Third Party Fund 15

- Loan 16

Strength 17 ndash 30

Contact 31

IR BJTM

OVERVIEW

3

judul

IR BJTM

Balance SheetIn million Rp

3M16 3M17 YoY

Asset 49145272 50316988 238

Loan 28268303 29291572 362

- Commercial 6450934 6177449 -424

- SME 3390182 3179783 -621

- Consumer 18427187 19934339 818

Third Party Fund 41505921 41479352 -006

- Current Account 21036631 18807006 -1060

- Saving Account 10987058 12185193 1090

- Time Deposit 9482231 10487153 1060

Profit amp LossIn million Rp

3M16 3M17 YoY

Interest Income 1160358 1113221 -406

Interest Expense -321951 -266362 -1727

Net Interest Income 838407 846859 101

Provision for Impairment -80690 -96610 1973

Net profit 312838 339993 868

Ratio 3M16 3M17 Ratio 3M16 3M17

ROA 380 396 BOPO 6532 6262

ROE 2349 2071 CAR 1946 2230

NIM 683 718 COF 301 230

LDR 6811 7062 CASA 7715 7472

Financial Performance

In million Rp 4

IR BJTM

Collectibility 5

Collectibility 4

Collectibility 3

Collectibility 2

Collectibility 1

Loan Impairment Loan Impairment

1203 926 1338 120366 27 46 32

29 10 34 23

447 49 410 38

26523

39

27463

57

Loan amp Impairment CompositionNPL

Information3M16 3M17

NPL Gross 459 484

NPL Net 119 055

Coverage Ratio

8087 9533

Consumerrsquos NPL

082 064

Commercialrsquos NPL

1369 1693

SMErsquos NPL 738 691

3M16 3M17

In Billion Rp

Non Performing Loan

5

IR BJTM 6

SME amp Consumerbull Disbursement from Loan Agreement fund from East Java Government changed

to secondary sector prior to primary sector As a result the market expanding but still targeting SME with single digit lending rate

bull LPDB fund from cooperative ministry will increase aprox 575 billionbull Ahead of new school year and fasting Eid Multipurpose loan will promote its

lending rate to increase loan

Commercialbull Keppres collateral lowered back with mitigation cessie tied notarizedbull Processing the institution loan plan such as hospital port university toll road

etc up to 885 billion rupiah

NPLbull Collateral sold in auction 117 billion rupiah and auction registered still up to

100 billion rupiahbull Extracomptable or write-off collection result to 12 billion rupiah

2017 Operational Current Result

IR BJTM

OVERVIEW

3

judul

IR BJTM

Balance SheetIn million Rp

3M16 3M17 YoY

Asset 49145272 50316988 238

Loan 28268303 29291572 362

- Commercial 6450934 6177449 -424

- SME 3390182 3179783 -621

- Consumer 18427187 19934339 818

Third Party Fund 41505921 41479352 -006

- Current Account 21036631 18807006 -1060

- Saving Account 10987058 12185193 1090

- Time Deposit 9482231 10487153 1060

Profit amp LossIn million Rp

3M16 3M17 YoY

Interest Income 1160358 1113221 -406

Interest Expense -321951 -266362 -1727

Net Interest Income 838407 846859 101

Provision for Impairment -80690 -96610 1973

Net profit 312838 339993 868

Ratio 3M16 3M17 Ratio 3M16 3M17

ROA 380 396 BOPO 6532 6262

ROE 2349 2071 CAR 1946 2230

NIM 683 718 COF 301 230

LDR 6811 7062 CASA 7715 7472

Financial Performance

In million Rp 4

IR BJTM

Collectibility 5

Collectibility 4

Collectibility 3

Collectibility 2

Collectibility 1

Loan Impairment Loan Impairment

1203 926 1338 120366 27 46 32

29 10 34 23

447 49 410 38

26523

39

27463

57

Loan amp Impairment CompositionNPL

Information3M16 3M17

NPL Gross 459 484

NPL Net 119 055

Coverage Ratio

8087 9533

Consumerrsquos NPL

082 064

Commercialrsquos NPL

1369 1693

SMErsquos NPL 738 691

3M16 3M17

In Billion Rp

Non Performing Loan

5

IR BJTM 6

SME amp Consumerbull Disbursement from Loan Agreement fund from East Java Government changed

to secondary sector prior to primary sector As a result the market expanding but still targeting SME with single digit lending rate

bull LPDB fund from cooperative ministry will increase aprox 575 billionbull Ahead of new school year and fasting Eid Multipurpose loan will promote its

lending rate to increase loan

Commercialbull Keppres collateral lowered back with mitigation cessie tied notarizedbull Processing the institution loan plan such as hospital port university toll road

etc up to 885 billion rupiah

NPLbull Collateral sold in auction 117 billion rupiah and auction registered still up to

100 billion rupiahbull Extracomptable or write-off collection result to 12 billion rupiah

2017 Operational Current Result

judul

IR BJTM

Balance SheetIn million Rp

3M16 3M17 YoY

Asset 49145272 50316988 238

Loan 28268303 29291572 362

- Commercial 6450934 6177449 -424

- SME 3390182 3179783 -621

- Consumer 18427187 19934339 818

Third Party Fund 41505921 41479352 -006

- Current Account 21036631 18807006 -1060

- Saving Account 10987058 12185193 1090

- Time Deposit 9482231 10487153 1060

Profit amp LossIn million Rp

3M16 3M17 YoY

Interest Income 1160358 1113221 -406

Interest Expense -321951 -266362 -1727

Net Interest Income 838407 846859 101

Provision for Impairment -80690 -96610 1973

Net profit 312838 339993 868

Ratio 3M16 3M17 Ratio 3M16 3M17

ROA 380 396 BOPO 6532 6262

ROE 2349 2071 CAR 1946 2230

NIM 683 718 COF 301 230

LDR 6811 7062 CASA 7715 7472

Financial Performance

In million Rp 4

IR BJTM

Collectibility 5

Collectibility 4

Collectibility 3

Collectibility 2

Collectibility 1

Loan Impairment Loan Impairment

1203 926 1338 120366 27 46 32

29 10 34 23

447 49 410 38

26523

39

27463

57

Loan amp Impairment CompositionNPL

Information3M16 3M17

NPL Gross 459 484

NPL Net 119 055

Coverage Ratio

8087 9533

Consumerrsquos NPL

082 064

Commercialrsquos NPL

1369 1693

SMErsquos NPL 738 691

3M16 3M17

In Billion Rp

Non Performing Loan

5

IR BJTM 6

SME amp Consumerbull Disbursement from Loan Agreement fund from East Java Government changed

to secondary sector prior to primary sector As a result the market expanding but still targeting SME with single digit lending rate

bull LPDB fund from cooperative ministry will increase aprox 575 billionbull Ahead of new school year and fasting Eid Multipurpose loan will promote its

lending rate to increase loan

Commercialbull Keppres collateral lowered back with mitigation cessie tied notarizedbull Processing the institution loan plan such as hospital port university toll road

etc up to 885 billion rupiah

NPLbull Collateral sold in auction 117 billion rupiah and auction registered still up to

100 billion rupiahbull Extracomptable or write-off collection result to 12 billion rupiah

2017 Operational Current Result

IR BJTM

Collectibility 5

Collectibility 4

Collectibility 3

Collectibility 2

Collectibility 1

Loan Impairment Loan Impairment

1203 926 1338 120366 27 46 32

29 10 34 23

447 49 410 38

26523

39

27463

57

Loan amp Impairment CompositionNPL

Information3M16 3M17

NPL Gross 459 484

NPL Net 119 055

Coverage Ratio

8087 9533

Consumerrsquos NPL

082 064

Commercialrsquos NPL

1369 1693

SMErsquos NPL 738 691

3M16 3M17

In Billion Rp

Non Performing Loan

5

IR BJTM 6

SME amp Consumerbull Disbursement from Loan Agreement fund from East Java Government changed

to secondary sector prior to primary sector As a result the market expanding but still targeting SME with single digit lending rate

bull LPDB fund from cooperative ministry will increase aprox 575 billionbull Ahead of new school year and fasting Eid Multipurpose loan will promote its

lending rate to increase loan

Commercialbull Keppres collateral lowered back with mitigation cessie tied notarizedbull Processing the institution loan plan such as hospital port university toll road

etc up to 885 billion rupiah

NPLbull Collateral sold in auction 117 billion rupiah and auction registered still up to

100 billion rupiahbull Extracomptable or write-off collection result to 12 billion rupiah

2017 Operational Current Result

IR BJTM 6

SME amp Consumerbull Disbursement from Loan Agreement fund from East Java Government changed

to secondary sector prior to primary sector As a result the market expanding but still targeting SME with single digit lending rate

bull LPDB fund from cooperative ministry will increase aprox 575 billionbull Ahead of new school year and fasting Eid Multipurpose loan will promote its

lending rate to increase loan

Commercialbull Keppres collateral lowered back with mitigation cessie tied notarizedbull Processing the institution loan plan such as hospital port university toll road

etc up to 885 billion rupiah

NPLbull Collateral sold in auction 117 billion rupiah and auction registered still up to

100 billion rupiahbull Extracomptable or write-off collection result to 12 billion rupiah

2017 Operational Current Result

IR BJTM

BUSINESS PLAN 2017

7

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

8

IR BJTM

Network 2011 2012 2013 2014 2015 2016 3M17

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 164 164 176 165 185 190 191 16 2

Sharia service

office47 47 47 97 97 191 191

Payment Point 115 138 155 167 171 181 180 21 7

Mobile cash 61 63 65 68 71 85 85 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 1570

Networks Plan

9

IR BJTM

APPENDIX

10

IR BJTM

- - - - - - -

550 525 500 475 475430

838 836

638726

683

335

445

345307 302

361

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

BI 7-Day RR INFLASI

36644114 4199 3862 3990 4092 4030 4200 4244 4413

33203707 3714 4320 4464 4413 4469 4575 4605

4837

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

in trillion Rp

LOAN FUND

558502 471 470 473 479 492 504 502 490

608586

518 525 544 544 534 555 561 550

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

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

11

IR BJTM 12

InformationIn million Rp

3M16 3M17 YoY 1Q16 4Q16 1Q17 YoY QoQ

Total Asset 49145272 50316988 238 6341641 (7121913) 7284038 1486 -20228

Placement BI amp SBI 13228580 14879186 1248 6765292 (6886795) 7342886 854 -20662

Loan 28268303 29291572 362 (143697) 50327 (383849) 16712 -86271

Allowance for Impairment Losses

-1049876 -1352252 2880 (61623) (96412) (29896) -5148 -6899

Third Party Fund 41505921 41479352 -006 7242001 (8366947) 8680695 1987 -20375

- Current Account 21036631 18807006 -1060 7542359 (5430670) 7517556 -033 -23843

- Saving Account 10987058 12185193 1090 (1766328) 2119331 (2176446) 2322 -20269

- Time Deposit 9482231 10487153 1060 1465970 (5055608) 3339585 12781 -16606

Equity 5962411 6924833 1614 (333050) 190430 (284738) -1451 -24952

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

8

IR BJTM

Network 2011 2012 2013 2014 2015 2016 3M17

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 164 164 176 165 185 190 191 16 2

Sharia service

office47 47 47 97 97 191 191

Payment Point 115 138 155 167 171 181 180 21 7

Mobile cash 61 63 65 68 71 85 85 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 1570

Networks Plan

9

IR BJTM

APPENDIX

10

IR BJTM

- - - - - - -

550 525 500 475 475430

838 836

638726

683

335

445

345307 302

361

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

BI 7-Day RR INFLASI

36644114 4199 3862 3990 4092 4030 4200 4244 4413

33203707 3714 4320 4464 4413 4469 4575 4605

4837

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

in trillion Rp

LOAN FUND

558502 471 470 473 479 492 504 502 490

608586

518 525 544 544 534 555 561 550

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

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

11

IR BJTM 12

InformationIn million Rp

3M16 3M17 YoY 1Q16 4Q16 1Q17 YoY QoQ

Total Asset 49145272 50316988 238 6341641 (7121913) 7284038 1486 -20228

Placement BI amp SBI 13228580 14879186 1248 6765292 (6886795) 7342886 854 -20662

Loan 28268303 29291572 362 (143697) 50327 (383849) 16712 -86271

Allowance for Impairment Losses

-1049876 -1352252 2880 (61623) (96412) (29896) -5148 -6899

Third Party Fund 41505921 41479352 -006 7242001 (8366947) 8680695 1987 -20375

- Current Account 21036631 18807006 -1060 7542359 (5430670) 7517556 -033 -23843

- Saving Account 10987058 12185193 1090 (1766328) 2119331 (2176446) 2322 -20269

- Time Deposit 9482231 10487153 1060 1465970 (5055608) 3339585 12781 -16606

Equity 5962411 6924833 1614 (333050) 190430 (284738) -1451 -24952

Balance Sheet

IR BJTM

Network 2011 2012 2013 2014 2015 2016 3M17

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 164 164 176 165 185 190 191 16 2

Sharia service

office47 47 47 97 97 191 191

Payment Point 115 138 155 167 171 181 180 21 7

Mobile cash 61 63 65 68 71 85 85 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 1570

Networks Plan

9

IR BJTM

APPENDIX

10

IR BJTM

- - - - - - -

550 525 500 475 475430

838 836

638726

683

335

445

345307 302

361

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

BI 7-Day RR INFLASI

36644114 4199 3862 3990 4092 4030 4200 4244 4413

33203707 3714 4320 4464 4413 4469 4575 4605

4837

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

in trillion Rp

LOAN FUND

558502 471 470 473 479 492 504 502 490

608586

518 525 544 544 534 555 561 550

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

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

11

IR BJTM 12

InformationIn million Rp

3M16 3M17 YoY 1Q16 4Q16 1Q17 YoY QoQ

Total Asset 49145272 50316988 238 6341641 (7121913) 7284038 1486 -20228

Placement BI amp SBI 13228580 14879186 1248 6765292 (6886795) 7342886 854 -20662

Loan 28268303 29291572 362 (143697) 50327 (383849) 16712 -86271

Allowance for Impairment Losses

-1049876 -1352252 2880 (61623) (96412) (29896) -5148 -6899

Third Party Fund 41505921 41479352 -006 7242001 (8366947) 8680695 1987 -20375

- Current Account 21036631 18807006 -1060 7542359 (5430670) 7517556 -033 -23843

- Saving Account 10987058 12185193 1090 (1766328) 2119331 (2176446) 2322 -20269

- Time Deposit 9482231 10487153 1060 1465970 (5055608) 3339585 12781 -16606

Equity 5962411 6924833 1614 (333050) 190430 (284738) -1451 -24952

Balance Sheet

IR BJTM

APPENDIX

10

IR BJTM

- - - - - - -

550 525 500 475 475430

838 836

638726

683

335

445

345307 302

361

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

BI 7-Day RR INFLASI

36644114 4199 3862 3990 4092 4030 4200 4244 4413

33203707 3714 4320 4464 4413 4469 4575 4605

4837

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

in trillion Rp

LOAN FUND

558502 471 470 473 479 492 504 502 490

608586

518 525 544 544 534 555 561 550

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

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

11

IR BJTM 12

InformationIn million Rp

3M16 3M17 YoY 1Q16 4Q16 1Q17 YoY QoQ

Total Asset 49145272 50316988 238 6341641 (7121913) 7284038 1486 -20228

Placement BI amp SBI 13228580 14879186 1248 6765292 (6886795) 7342886 854 -20662

Loan 28268303 29291572 362 (143697) 50327 (383849) 16712 -86271

Allowance for Impairment Losses

-1049876 -1352252 2880 (61623) (96412) (29896) -5148 -6899

Third Party Fund 41505921 41479352 -006 7242001 (8366947) 8680695 1987 -20375

- Current Account 21036631 18807006 -1060 7542359 (5430670) 7517556 -033 -23843

- Saving Account 10987058 12185193 1090 (1766328) 2119331 (2176446) 2322 -20269

- Time Deposit 9482231 10487153 1060 1465970 (5055608) 3339585 12781 -16606

Equity 5962411 6924833 1614 (333050) 190430 (284738) -1451 -24952

Balance Sheet

IR BJTM

- - - - - - -

550 525 500 475 475430

838 836

638726

683

335

445

345307 302

361

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

BI 7-Day RR INFLASI

36644114 4199 3862 3990 4092 4030 4200 4244 4413

33203707 3714 4320 4464 4413 4469 4575 4605

4837

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

in trillion Rp

LOAN FUND

558502 471 470 473 479 492 504 502 490

608586

518 525 544 544 534 555 561 550

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

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

11

IR BJTM 12

InformationIn million Rp

3M16 3M17 YoY 1Q16 4Q16 1Q17 YoY QoQ

Total Asset 49145272 50316988 238 6341641 (7121913) 7284038 1486 -20228

Placement BI amp SBI 13228580 14879186 1248 6765292 (6886795) 7342886 854 -20662

Loan 28268303 29291572 362 (143697) 50327 (383849) 16712 -86271

Allowance for Impairment Losses

-1049876 -1352252 2880 (61623) (96412) (29896) -5148 -6899

Third Party Fund 41505921 41479352 -006 7242001 (8366947) 8680695 1987 -20375

- Current Account 21036631 18807006 -1060 7542359 (5430670) 7517556 -033 -23843

- Saving Account 10987058 12185193 1090 (1766328) 2119331 (2176446) 2322 -20269

- Time Deposit 9482231 10487153 1060 1465970 (5055608) 3339585 12781 -16606

Equity 5962411 6924833 1614 (333050) 190430 (284738) -1451 -24952

Balance Sheet

IR BJTM 12

InformationIn million Rp

3M16 3M17 YoY 1Q16 4Q16 1Q17 YoY QoQ

Total Asset 49145272 50316988 238 6341641 (7121913) 7284038 1486 -20228

Placement BI amp SBI 13228580 14879186 1248 6765292 (6886795) 7342886 854 -20662

Loan 28268303 29291572 362 (143697) 50327 (383849) 16712 -86271

Allowance for Impairment Losses

-1049876 -1352252 2880 (61623) (96412) (29896) -5148 -6899

Third Party Fund 41505921 41479352 -006 7242001 (8366947) 8680695 1987 -20375

- Current Account 21036631 18807006 -1060 7542359 (5430670) 7517556 -033 -23843

- Saving Account 10987058 12185193 1090 (1766328) 2119331 (2176446) 2322 -20269

- Time Deposit 9482231 10487153 1060 1465970 (5055608) 3339585 12781 -16606

Equity 5962411 6924833 1614 (333050) 190430 (284738) -1451 -24952

Balance Sheet

IR BJTM 13

InformationIn million Rp

3M16 3M17 YoY 1Q16 4Q16 1Q17 YoY QoQ

Interest Income 1160358 1113221 -406 1160358 1220565 1113221 -406 -879

Interest Expense (321951) (266362) -1727 (321951) (298857) (266362) -1727 -1087

Nett Interest Income 838407 846859 101 838407 921708 846859 101 -812

Non Interest Operational Income

106603 108360 165 106603 122786 108360 165 -1175

Non Interest Operational Expense

(424917) (401957) -540 (424917) (583749) (401957) -540 -3114

Provision for Impairment Losses

(80690) (96610) 1973 (80690) (129858) (96610) 1973 -2560

Nett Non Interest Operational Income (Expense)

(399004) (390207) -220 (399004) (590821) (390207) -220 -3396

Operational Profit 439403 456653 393 439403 330887 456653 393 3801

Non Operational Profit 4748 7596 5999 4748 (18900) 7596 5999 -14019

Pre Tax Profit 444151 464248 452 444151 311987 464248 452 4880

Taxes (131312) (124255) -537 (131312) (120347) (124255) -537 325

Net profit 312838 339993 868 312838 191639 339993 868 7741

Profit Loss

IR BJTM

R

O

A

R

O

E

N

I

M

407 355 394 375558 497

334 382 352267

380 318 309 298396

38483085 3148 2859

40573365

1896 1904 1898 16112349 2087 2014

1782 2071

934728 835 766

917795

648 714 690 641 683 669 670 694 718

L

D

R

C

A

R

B

O

P

O

3875 42115404

69678070 8011 8355 8498 8654 8292

6811 7264 7197 90487062

38453339

2536 2132 1919 16532656 2372 2217 2122 1946 2065 2243 2388 2230

6943 6820 6742 6604 5958 60026869 7028 6963 7611 6532 7056 7115 7222 6262

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

Financial Ratio

14

22210

27416 25987

35479

30270

42681 43754

34263

41506 40302 41165

32799

41479

20000

25000

30000

35000

40000

45000

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

Third Party Fund

IR BJTM

Current Account Marrsquo16 Marrsquo17 YoY Marrsquo16 Marrsquo17 Marrsquo16 Marrsquo17

Government 16715 14617 -1255 4027 3524 1759460 1538598

Private 4322 4190 -304 1041 1010 828 753

Total 21037 18807 -1060 5068 4534 4023 3374

Saving Account Marrsquo16 Marrsquo17 YoY Marrsquo16 Marrsquo17 Marrsquo16 Marrsquo17

Simpeda 9046 9353 339 2180 2255 52 51

Siklus 674 1334 9778 162 322 59 82

Tab Haji 230 239 378 055 058 20 19

TabunganKu SimPel 925 1127 2188 223 272 03 04

Barokah 112 133 1854 027 032 64 59

Total 10987 12185 1090 2647 2938 23 24

Time Deposit Marrsquo16 Marrsquo17 YoY Marrsquo16 Marrsquo17 Marrsquo16 Marrsquo17

Deposit 9482 10487 1060 2285 2528 2651 2449

Total 9482 10487 1060 2285 2528 2651 2449

Funding Growth Composition

Third Party Fund

Ticket Sizein million

in billion

15

22210

27416 25987

35479

30270

42681 43754

34263

41506 40302 41165

32799

41479

20000

25000

30000

35000

40000

45000

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

Third Party Fund

IR BJTM

Current Account Marrsquo16 Marrsquo17 YoY Marrsquo16 Marrsquo17 Marrsquo16 Marrsquo17

Government 16715 14617 -1255 4027 3524 1759460 1538598

Private 4322 4190 -304 1041 1010 828 753

Total 21037 18807 -1060 5068 4534 4023 3374

Saving Account Marrsquo16 Marrsquo17 YoY Marrsquo16 Marrsquo17 Marrsquo16 Marrsquo17

Simpeda 9046 9353 339 2180 2255 52 51

Siklus 674 1334 9778 162 322 59 82

Tab Haji 230 239 378 055 058 20 19

TabunganKu SimPel 925 1127 2188 223 272 03 04

Barokah 112 133 1854 027 032 64 59

Total 10987 12185 1090 2647 2938 23 24

Time Deposit Marrsquo16 Marrsquo17 YoY Marrsquo16 Marrsquo17 Marrsquo16 Marrsquo17

Deposit 9482 10487 1060 2285 2528 2651 2449

Total 9482 10487 1060 2285 2528 2651 2449

Funding Growth Composition

Third Party Fund

Ticket Sizein million

in billion

15

24821 26087 26195 26568

28288 29235

28411 28268 29276 29625 29676 29292

24000

26000

28000

30000

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

Loan

IR BJTM

CONSUMER Marrsquo16 Marrsquo17 YoY Marrsquo16 Marrsquo17 Marrsquo16 Marrsquo17

Multi Purpose 16117 17177 658 5701 5864 6753 7320

Mortgage 1465 1614 1021 518 551 17463 18560Other 845 1143 3517 299 390 13243 19155

Total 18427 19934 818 6519 6805 7271 7996

COMMERCIAL Marrsquo16 Marrsquo17 YoY Marrsquo16 Marrsquo17 Marrsquo16 Marrsquo17

Standby Loan 594 436 -2650 210 149 39726 82935Keppres 559 357 -3607 198 122 48883 76062

Overdraft 2822 2936 405 998 1002 75449 81510

Syndicate 1360 1056 -2233 481 360 5664996 5557605General 1117 1392 2462 395 475 95701 76262

Total 6451 6177 -424 2282 2109 85228 95893

S M E Marrsquo16 Marrsquo17 YoY Marrsquo16 Marrsquo17 Marrsquo16 Marrsquo17

Pundi 1223 1346 1013 433 460 6197 6212

Laguna 19 39 10650 007 013 910 2648Bankit KKPA 129 339 16350 045 116 3945 5976

Siumi 2 25 90215 001 008 9823 10429

Jatim Mikro 530 579 913 188 198 14484 11051Others 1488 852 -4269 526 291 12443 14203

Total 3390 3180 -621 1199 1086 8331 7894

Lending Growth Composition

Loan

Ticket Sizein million

in billion

16

IR BJTM

STRENGTH

17

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

18

IR BJTM

Board of Directors

R SoerosoPresident Director

Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM

Eko AntonoCompliance Director

Experience

Human Capital Division Head

Operational Director

Bank Jatim

Tony SudjiaryantoAgribusiness amp Sharia

Business Director

Experience

Credit Division Head

Special Credit Division Head

Treasury Division Head

Bank Jatim

SuuacutediMedium amp Corporate

Business Director

Experience

IT Division Head

Planning Division Head

Risk Management Division Head

Bank Jatim

Rudie HardionoOperational Director

Experience

Corporate Secretary

Compliance Director

Bank Jatim

19

IR BJTM 20

FUNDING

bull Serve Regional Owned Enterprise with all financial and banking activities

bull Bank Jatim Smart City projects as a media for government and citizen to gain easy access in financial and banking activities

bull Expanding ldquoLaku Pandairdquo agent which trusted handy and able to give the best serve for customers

bull Increase Priority Banking to gain CASA

LENDING

bull Restructuring credit business through organization development with enhancing structures business process credit officer risk management and prudent banking

bull Continuing government credit programs (LPDB and Loan Agreement)

bull Partnership with rural banks to disbursing micro lendingbull Serve Regional Owned Enterprise with lending facility especially

Multipurpose for their employeebull Inter-island credit lending through LC (SKBDN)bull Lending Socialization to Branches about government budget

spending

Strategies

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

18

IR BJTM

Board of Directors

R SoerosoPresident Director

Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM

Eko AntonoCompliance Director

Experience

Human Capital Division Head

Operational Director

Bank Jatim

Tony SudjiaryantoAgribusiness amp Sharia

Business Director

Experience

Credit Division Head

Special Credit Division Head

Treasury Division Head

Bank Jatim

SuuacutediMedium amp Corporate

Business Director

Experience

IT Division Head

Planning Division Head

Risk Management Division Head

Bank Jatim

Rudie HardionoOperational Director

Experience

Corporate Secretary

Compliance Director

Bank Jatim

19

IR BJTM 20

FUNDING

bull Serve Regional Owned Enterprise with all financial and banking activities

bull Bank Jatim Smart City projects as a media for government and citizen to gain easy access in financial and banking activities

bull Expanding ldquoLaku Pandairdquo agent which trusted handy and able to give the best serve for customers

bull Increase Priority Banking to gain CASA

LENDING

bull Restructuring credit business through organization development with enhancing structures business process credit officer risk management and prudent banking

bull Continuing government credit programs (LPDB and Loan Agreement)

bull Partnership with rural banks to disbursing micro lendingbull Serve Regional Owned Enterprise with lending facility especially

Multipurpose for their employeebull Inter-island credit lending through LC (SKBDN)bull Lending Socialization to Branches about government budget

spending

Strategies

IR BJTM

Board of Directors

R SoerosoPresident Director

Experience

Corporate Secretary

Bank Jatim

President Director

Bank UMKM

Eko AntonoCompliance Director

Experience

Human Capital Division Head

Operational Director

Bank Jatim

Tony SudjiaryantoAgribusiness amp Sharia

Business Director

Experience

Credit Division Head

Special Credit Division Head

Treasury Division Head

Bank Jatim

SuuacutediMedium amp Corporate

Business Director

Experience

IT Division Head

Planning Division Head

Risk Management Division Head

Bank Jatim

Rudie HardionoOperational Director

Experience

Corporate Secretary

Compliance Director

Bank Jatim

19

IR BJTM 20

FUNDING

bull Serve Regional Owned Enterprise with all financial and banking activities

bull Bank Jatim Smart City projects as a media for government and citizen to gain easy access in financial and banking activities

bull Expanding ldquoLaku Pandairdquo agent which trusted handy and able to give the best serve for customers

bull Increase Priority Banking to gain CASA

LENDING

bull Restructuring credit business through organization development with enhancing structures business process credit officer risk management and prudent banking

bull Continuing government credit programs (LPDB and Loan Agreement)

bull Partnership with rural banks to disbursing micro lendingbull Serve Regional Owned Enterprise with lending facility especially

Multipurpose for their employeebull Inter-island credit lending through LC (SKBDN)bull Lending Socialization to Branches about government budget

spending

Strategies

IR BJTM 20

FUNDING

bull Serve Regional Owned Enterprise with all financial and banking activities

bull Bank Jatim Smart City projects as a media for government and citizen to gain easy access in financial and banking activities

bull Expanding ldquoLaku Pandairdquo agent which trusted handy and able to give the best serve for customers

bull Increase Priority Banking to gain CASA

LENDING

bull Restructuring credit business through organization development with enhancing structures business process credit officer risk management and prudent banking

bull Continuing government credit programs (LPDB and Loan Agreement)

bull Partnership with rural banks to disbursing micro lendingbull Serve Regional Owned Enterprise with lending facility especially

Multipurpose for their employeebull Inter-island credit lending through LC (SKBDN)bull Lending Socialization to Branches about government budget

spending

Strategies

IR BJTM 21

NPL

bull Creating Improvement amp Rescue Credit Divisionbull Intensify Collection amp collateral auction (KPKNL)bull Intensify Credit restructuringbull Filed bankcruptcy to gain recoverybull Insurance reconciliationbull Partnership with East Java judiciary

FEE BASED INCOME

bull Increase treasury transaction from cash management and efficiency

bull Digital transaction IT basedbull Custody servicesbull Updating potential branches to Foreign Exchange Branch services

ORGANIZATION STRUCTURE

bull Adding 2 new directorate to support and business deepeningbull Forming 4 territorial office to accelerate business process and

branch operational supervisionbull Sharia Spin-Off this year

Strategies

IR BJTM 22

HUMAN CAPITALbull Revitalization into competence and professional human capital to

shape competency based on resource management

POTENTIAL

bull East Java economic growth higher than nationalbull East Java 15 contribute to national economicbull Inter-island trading up to IDR +800 trillionbull Infrastructure development such as 9 toll road 3 port and many

industrial areabull Captive market to government spending

GRUP SUPPORTbull To accelerate business plan achievement BJTM formed 5

business performance team to oversee and supervise the process

Strategies

IR BJTM 23

142157163174200

249291

331

380

525

429

503

46 55 74

101

131

161 186

223

262

287 297 293

120 132 137 145162

201222

260

303

446

328

415

04040505

090907

08094

118

103

14

0607 07 07 07

0809

08

12

134136

11

17 172 21

27 28 2933

41

4648

45

TOTAL ASSET (Rp Tril)

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

CAGR =

809CAGR =

1121

CAGR =

420

NET PROFIT (Rp Tril)

THIRD PARTY FUND(Rp Tril)

CAGR =

1090

LOAN (Rp Tril)

CAGR =

1660

CAGR =

1114

Compound Annual Growth Rate

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 3M17

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

45

34

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

29

38

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

25

28

Current account Saving deposit Time deposit

453

300 253 302 318 321261 316 354 348

268 301368 363

256 301 284 278186 230

500

275239

310 328 331258

326381 371

267345

395 382

250277 297 288

181235

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

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

IR BJTM 24

Strength of Funding

NPL 032 as of Marrsquo 2017

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

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

MULTIGUNA TICKET SIZE

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

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

MULTIGUNA LOAN BALANCE

million Rp

billion Rp

IR BJTM 25

Strength of Loan (Multipurpose)

IR BJTM 26

No DATA March 2016 March 2017

1 Board of Commisioner 5 5

2 Board of Sharia Supervisory 3 3

3 Board of Director 5 5

4 Management 1 22 25

5 Management 2 96 103

6 Management 3 288 267

7 Management 4 702 749

8 Staff of Administration 1989 1970

9 Staff Non Administration 335 325

10 Non Permanent 906 906

11 Outsource 1901 1970

Total 6252 6328

Human Resources

IR BJTM

27

B Series Investor 3M16 3M17

Foreign Investor 6771 5700

Domestic Investor 3229 4300

No Country Share

1 INDONESIA 4300392 AMERIKA 241453

3 IRLANDIA 67566

4 NORWEGIA 666695 FINLANDIA 663986 LUKSEMBURG 426537 INGGRIS 20760

8 KANADA 170649 JEPANG 12337

10 AUSTRALIA 1097211 SINGAPURA 0510212 SWITSERLAND 04317

B Series Investor Composition

Ownership

(A Series)East Java

Government5136

(A Series)City amp

Municipal Government

2848

(B Series)Public

Domestic866

(B Series)Public Foreign

1149

Total 100

No Country Share

13 BERMUDA 03550

14 THAILAND 02893

15 KOREA SELATAN 02685

16 CAYMAN ISLAND 01817

17 HONGKONG 01221

18 BELANDA 01049

19 SWEDIA 00725

20 CINA 00278

21 SELANDIA BARU 00190

22 MALAYSIA 00169

23 JERMAN 00070

24 FILIPINA 00022

Total 100

IR BJTM28

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 March 31 2017 IDR 690 share

PBV 149

EPS 9099

PER 758

Market Cap Rp 10313 bn

IR BJTM29

Competitive Products

No 1 BUMD Listed

Annual Report AwardPadmamitra Award Bank Jatim Regional Banks with

excellent service of the year

2016

Top BPD 2016 Top BPD HRampIT Management

2016IR BJTM 30

Award

The Higher Bank that Disbursing

FLPP Fund

IR BJTM

Investor Relations (IR)

Corporate Secretary

(031) 5310090 ext 469

Email irubankjatimcoid

IR Contact

31

NPL 032 as of Marrsquo 2017

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

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

MULTIGUNA TICKET SIZE

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

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

MULTIGUNA LOAN BALANCE

million Rp

billion Rp

IR BJTM 25

Strength of Loan (Multipurpose)

IR BJTM 26

No DATA March 2016 March 2017

1 Board of Commisioner 5 5

2 Board of Sharia Supervisory 3 3

3 Board of Director 5 5

4 Management 1 22 25

5 Management 2 96 103

6 Management 3 288 267

7 Management 4 702 749

8 Staff of Administration 1989 1970

9 Staff Non Administration 335 325

10 Non Permanent 906 906

11 Outsource 1901 1970

Total 6252 6328

Human Resources

IR BJTM

27

B Series Investor 3M16 3M17

Foreign Investor 6771 5700

Domestic Investor 3229 4300

No Country Share

1 INDONESIA 4300392 AMERIKA 241453

3 IRLANDIA 67566

4 NORWEGIA 666695 FINLANDIA 663986 LUKSEMBURG 426537 INGGRIS 20760

8 KANADA 170649 JEPANG 12337

10 AUSTRALIA 1097211 SINGAPURA 0510212 SWITSERLAND 04317

B Series Investor Composition

Ownership

(A Series)East Java

Government5136

(A Series)City amp

Municipal Government

2848

(B Series)Public

Domestic866

(B Series)Public Foreign

1149

Total 100

No Country Share

13 BERMUDA 03550

14 THAILAND 02893

15 KOREA SELATAN 02685

16 CAYMAN ISLAND 01817

17 HONGKONG 01221

18 BELANDA 01049

19 SWEDIA 00725

20 CINA 00278

21 SELANDIA BARU 00190

22 MALAYSIA 00169

23 JERMAN 00070

24 FILIPINA 00022

Total 100

IR BJTM28

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 March 31 2017 IDR 690 share

PBV 149

EPS 9099

PER 758

Market Cap Rp 10313 bn

IR BJTM29

Competitive Products

No 1 BUMD Listed

Annual Report AwardPadmamitra Award Bank Jatim Regional Banks with

excellent service of the year

2016

Top BPD 2016 Top BPD HRampIT Management

2016IR BJTM 30

Award

The Higher Bank that Disbursing

FLPP Fund

IR BJTM

Investor Relations (IR)

Corporate Secretary

(031) 5310090 ext 469

Email irubankjatimcoid

IR Contact

31

IR BJTM 26

No DATA March 2016 March 2017

1 Board of Commisioner 5 5

2 Board of Sharia Supervisory 3 3

3 Board of Director 5 5

4 Management 1 22 25

5 Management 2 96 103

6 Management 3 288 267

7 Management 4 702 749

8 Staff of Administration 1989 1970

9 Staff Non Administration 335 325

10 Non Permanent 906 906

11 Outsource 1901 1970

Total 6252 6328

Human Resources

IR BJTM

27

B Series Investor 3M16 3M17

Foreign Investor 6771 5700

Domestic Investor 3229 4300

No Country Share

1 INDONESIA 4300392 AMERIKA 241453

3 IRLANDIA 67566

4 NORWEGIA 666695 FINLANDIA 663986 LUKSEMBURG 426537 INGGRIS 20760

8 KANADA 170649 JEPANG 12337

10 AUSTRALIA 1097211 SINGAPURA 0510212 SWITSERLAND 04317

B Series Investor Composition

Ownership

(A Series)East Java

Government5136

(A Series)City amp

Municipal Government

2848

(B Series)Public

Domestic866

(B Series)Public Foreign

1149

Total 100

No Country Share

13 BERMUDA 03550

14 THAILAND 02893

15 KOREA SELATAN 02685

16 CAYMAN ISLAND 01817

17 HONGKONG 01221

18 BELANDA 01049

19 SWEDIA 00725

20 CINA 00278

21 SELANDIA BARU 00190

22 MALAYSIA 00169

23 JERMAN 00070

24 FILIPINA 00022

Total 100

IR BJTM28

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 March 31 2017 IDR 690 share

PBV 149

EPS 9099

PER 758

Market Cap Rp 10313 bn

IR BJTM29

Competitive Products

No 1 BUMD Listed

Annual Report AwardPadmamitra Award Bank Jatim Regional Banks with

excellent service of the year

2016

Top BPD 2016 Top BPD HRampIT Management

2016IR BJTM 30

Award

The Higher Bank that Disbursing

FLPP Fund

IR BJTM

Investor Relations (IR)

Corporate Secretary

(031) 5310090 ext 469

Email irubankjatimcoid

IR Contact

31

IR BJTM

27

B Series Investor 3M16 3M17

Foreign Investor 6771 5700

Domestic Investor 3229 4300

No Country Share

1 INDONESIA 4300392 AMERIKA 241453

3 IRLANDIA 67566

4 NORWEGIA 666695 FINLANDIA 663986 LUKSEMBURG 426537 INGGRIS 20760

8 KANADA 170649 JEPANG 12337

10 AUSTRALIA 1097211 SINGAPURA 0510212 SWITSERLAND 04317

B Series Investor Composition

Ownership

(A Series)East Java

Government5136

(A Series)City amp

Municipal Government

2848

(B Series)Public

Domestic866

(B Series)Public Foreign

1149

Total 100

No Country Share

13 BERMUDA 03550

14 THAILAND 02893

15 KOREA SELATAN 02685

16 CAYMAN ISLAND 01817

17 HONGKONG 01221

18 BELANDA 01049

19 SWEDIA 00725

20 CINA 00278

21 SELANDIA BARU 00190

22 MALAYSIA 00169

23 JERMAN 00070

24 FILIPINA 00022

Total 100

IR BJTM28

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 March 31 2017 IDR 690 share

PBV 149

EPS 9099

PER 758

Market Cap Rp 10313 bn

IR BJTM29

Competitive Products

No 1 BUMD Listed

Annual Report AwardPadmamitra Award Bank Jatim Regional Banks with

excellent service of the year

2016

Top BPD 2016 Top BPD HRampIT Management

2016IR BJTM 30

Award

The Higher Bank that Disbursing

FLPP Fund

IR BJTM

Investor Relations (IR)

Corporate Secretary

(031) 5310090 ext 469

Email irubankjatimcoid

IR Contact

31

IR BJTM28

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 March 31 2017 IDR 690 share

PBV 149

EPS 9099

PER 758

Market Cap Rp 10313 bn

IR BJTM29

Competitive Products

No 1 BUMD Listed

Annual Report AwardPadmamitra Award Bank Jatim Regional Banks with

excellent service of the year

2016

Top BPD 2016 Top BPD HRampIT Management

2016IR BJTM 30

Award

The Higher Bank that Disbursing

FLPP Fund

IR BJTM

Investor Relations (IR)

Corporate Secretary

(031) 5310090 ext 469

Email irubankjatimcoid

IR Contact

31

IR BJTM29

Competitive Products

No 1 BUMD Listed

Annual Report AwardPadmamitra Award Bank Jatim Regional Banks with

excellent service of the year

2016

Top BPD 2016 Top BPD HRampIT Management

2016IR BJTM 30

Award

The Higher Bank that Disbursing

FLPP Fund

IR BJTM

Investor Relations (IR)

Corporate Secretary

(031) 5310090 ext 469

Email irubankjatimcoid

IR Contact

31

No 1 BUMD Listed

Annual Report AwardPadmamitra Award Bank Jatim Regional Banks with

excellent service of the year

2016

Top BPD 2016 Top BPD HRampIT Management

2016IR BJTM 30

Award

The Higher Bank that Disbursing

FLPP Fund

IR BJTM

Investor Relations (IR)

Corporate Secretary

(031) 5310090 ext 469

Email irubankjatimcoid

IR Contact

31

IR BJTM

Investor Relations (IR)

Corporate Secretary

(031) 5310090 ext 469

Email irubankjatimcoid

IR Contact

31