lap keu bjtm q3 2014.pdf

8/10/2019 Lap Keu BJTM Q3 2014.pdf

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AGENDA

ECONOMIC OUTLOOK

FINANCIAL HIGHLIGHTS

OVERVIEW & INVESTMENT HIGHLIGHTS

STRENGHTS

2


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3


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LOANbillion

FUNDbillion

JIBOR

INFLASI

BI RATE

LOANbillion

FUNDbillion

JIBOR

INFLASI

BI RATE

MACRO ECONOMY REVIEW

4Source: Bank Indonesia


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REGIONAL INCOME

NATIONAL

YoY

EAST JAVA

YoY

REGIONAL ECONOMIC GROWTH

EAST JAVA

Million

5Source: East Java Gov.


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No Bank Asset LoanThird Party

Fund

PaidCapital

Net IncomeBefore Tax

1 Bank Mandiri 671.941 440.195 510.278 11.667 13.411

2

BRI

623.882 461.207 496.394 6.167 16.929

3 BCA 523.310 327.151 430.209 1.541 10.958

4 BNI 378.012 243.260 292.838 9.055 6.710

5

CIMB Niaga 218.638 149.452 164.623 1.612 2.832

... ..................... ................. .................. ................ .............. .............

24 Bank Jatim 36.685 24,803 29,393 3,729 860

24 21 8

Source: Publication Data

Bank Indonesia, July 2014

14

BANK JATIM AMONG NATIONAL BANK

6


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Information 9M13 9M14 YoY 3Q13 2Q14 3Q14 YoY QoQ

Total Asset 35.508.757 42.694.050 20,24% 1.656.670 6.683.124 546.759 -67,00% -91,82%

Placement BI & SBI 2.152.215 4.733.978 119,96% 11.395 684.815 1.925.509 16797,84% 181,17%

Placement Other Bank 7.254.226 6.873.797 -5,24% 451.862 3.407.960 (2.577.352) -670,38% -175,63%

Loan 21.526.815 26.086.837 21,18% 1.095.699 2.136.778 1.266.119 15,55% -40,75%

Third Party Fund 28.669.422 35.704.012 24,54% 1.253.441 7.275.686 223.802 -82,14% -96,92%

- Current Account 12.643.546 15.450.593 22,20% 560.448 4.873.059 (1.112.872) -298,57% -122,84%

- Saving Account 7.622.300 8.922.835 17,06% 558.170 (204.999) 840.395 50,56% -509,95%

- Time Deposit 8.403.576 11.330.584 34,83% 134.823 2.607.625 496.279 268,10% -80,97%

Equity 5.575.423 5.847.444 4,88% 252.494 229.387 199.612 -20,94% -12,98%

In Million Rp.ALANCE SHEET

8

In million Rp.


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Information 9M13 9M14 YoY 3Q13 2Q14 3Q14 YoY QoQ

Interest Income 2.391.366 2.934.682 22,72% 885.663 959.683 1.044.032 17,88% 8,79%

Interest Expense (623.638) (817.274) 31,05% (224.412) (284.929) (313.973) 39,91% 10,19%

Nett Interest Income 1.767.728 2.117.408 19,78% 661.251 674.753 730.059 10,41% 8,20%

Non Interest Operational

Income

333.391 328.331 -1,52% 91.011 118.558 89.539 -1,62% -24,48%

Non Interest Operational

Expense(1.164.423) (1.416.622) 21,66% (409.029) (464.731) (538.102) 31,56% 15,79%

Nett Non Interest

Operational Income

(Expense)

(831.032) (1.088.291) 30,96% (318.018) (346.173) (448.563) 41,05% 29,58%

Operational Profit 936.696 1.029.117 9,87% 343.234 328.584 281.496 -17,99% -14,33%

Non Operational Profit 11.839 16.907 42,81% 11.278 8.425 953 -91,55% -88,69%

Pre Tax Profit 948.535 1.046.024 10,28% 355.633 337.010 282.449 -20,58% -16,19%

Taxes (267.463) (303.131) 13,34% (83.664) (105.924) (82.838) -0,99% -21,80%

Net profit681.072 742.893 9,08% 252.494 231.086 199.612 -20,94% -13,62%

In Million Rp.ROFIT LOSS

9

In million Rp.


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INTEREST INCOME (Rp Tril)

INTEREST EXPENSE (Rp Tril)

CAGR =

12,31

CAGR =

17,20

AGR =

8,35

1 1 1 1,2

1,7 1,7 2 2,1

2,7 2,8 2,9

3,3

3,9

0,40,5

0,30,4

0,60,70,7 0,7 0,7

0,80,9

0,8

1,09

0,2 0,2 0,2 0,2

0,4 0,40,5

0,5

0,9 0,9

0,7

0,8

0,99

NET PROFIT (Rp Tril)

THIRD PARTY FUND(Rp Tril)

CAGR =

17,16

5,6 6,1 7,0

9,1

12,0 13,2 13,7

14,516,2

20,122,2

26,0

35,7

2 00 2 2 00 3 2 00 4 2 00 5 2 00 6 2 00 7 2 00 8 2 00 9 2 01 0 2 01 1 2 01 2 2 01 3 9 M 14

TOTAL ASSET (Rp Tril)

6,4 7,4 8,7

10,7

14,215,7

16,3 17,420,0

24,9

29,1

33,1

42,7

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 9M14

LOAN (Rp Tril)

CAGR =

22,28

CAGR =

17,44

2,4 3,03,7 4,1

4,65,5

7,4

10,1

13,1

16,1

18,6

22,3

26,1

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 9M14

FINANCIAL PERFORMANCE

10


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3,12%3,54%

2,61%

4,14%4,07%3,55%3,94%3,75%

5,58%4,97%

3,34%3,82%

4,87%

4,07%3,65%

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14

R

O

A

56,55%

41,66%

30,54%

36,90%38,48%

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

40,57%

33,65%

18,96%19,04%

24,29%22,06%

20,13%

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14

R

O

E

N

I

M

9,23%

11,28%

9,10%9,39%9,34%

7,28%8,35%

7,66%9,17%

7,95%6,48%7,14%

7,72%7,03%

7,07%

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14

FINANCIAL RATIO

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39,97%43,23% 45,45% 45,13%

38,75%42,11%

54,04%

69,67%

80,70% 80,11%83,55% 84,98%

80,36%

69,96%73,06%

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14

L

D

R

13,44%

17%15,29%

18,17%

38,45%

33,39%

25,36%

21,32%19,19%

16,53%

26,56%23,72%22,54%

20,36%20,29%

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14

C

A

R

74,76

75,32

74,67

73,83

69,43

68,20

67,42

66,04

59,58

60,02

68,69

70,28

60,14

64,89

68,46

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14

B

O

P

O

FINANCIAL RATIO

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MULJANTO

President Commissioner

Bank Jatim is led by an experienced management team with deep knowledge on Indonesias banking sector.

Management Team

14

CHAERUL DJAELANI

Commissioner

SOEBAGYO

Independent Commissioner

WIBISONOIndependent Commissioner

HADI SUKRIANTO

President Director

DJOKO LESMONO

Director of MediumBusiness & Corporate

EKO ANTONO,

Director of Operations

RUDIE HARDIONO

Director of Compliance

TONY SUDJIARYANTO

Director of Agribusiness

& Sharia


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10.733

11.628

9.662

12.101 12.083

10.370

12.643

9.969

11.690

16.563

15.451

6.475

6.472

8.174

6.757 7.064

7.7017.622

9.970

8.2878.082

8.9238.080 8.281

4.374

6.781

8.269

8.405

8.403

6.048

8.227

10.834 11.331

1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14

Current Account Saving Account Time Deposit

In Billion Rp.

YoY

CurrentAcc.

22,20%

Saving Acc.17,05%

Time Dep.

34,84%

THIRD PARTY FUND

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9.773

8.248

8.980

4.241

9.563

9.460

7.708

9.969

4.324

9.130

13.821

11.959

2.385

2.485

2.648

5.421

2.538

2.624

2.662

2.675

5.644

2.560

2.742

3.491

3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14

Current Account

G ov ernment Priv ate

152 148 153 236 158 152 149 156 242 207 241 290147 161 148 172 173 161 166 171 186 180 179 194

5.340 5.825 5.792

7.2995.992 6.294

6.905 6.769

8.2426.979 6.946

7.682

273299 331

417

381401

418 466

1.230

844 651

687

4443 49

50

52 5763 61

71

78 65

70

3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14

SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving

In Billion Rp.

Government Current Acc.YoY 19,97%

Private Current Acc.

YoY 30,51%

SIMPEDA YoY 13,48%

SIKLUS YoY 85,79%

Hajj Saving YoY 13,37%

TabunganKu YoY 47,48%

Barokah Saving YoY 15,23%

6.280

8.080 8.281

4.374

6.781

8.269 8.405 8.403

6.048

8.227

10.834

11.331

3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14

Time Deposit

Time Deposit

YoY 34,84%

DETAILED THIRD PARTY FUND

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34,800 44,259 42,608 44,137 43,634 44,254

45,334

46,853 47,014 48,358 49,411

1,557,7121,827,201

1,941,5512,045,785 2,100,510

2,144,9122,511,507

4,126,826 4,161,2774,199,590

4,255,204

23,914

21,803

22,623

23,616

24,425

24,538

25,274

26,176

25,277

27,209

28,173

3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14

Total Customer


349.35

242.49272.90

218.31277.33 273.04 278.83

212.77248.66

342.52312.70

3.81 3.54 3.33 3.99 3.22 3.29 3.03 2.42 1.99 1.92 2.10

262.60

370.59 366.05

185.21

277.61 336.98 332.50231.07

325.46

398.19 402.18

3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14

Ticket Size


THIRD PARTY FUND customer

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COMPETITIVE PRODUCTS

Android & Blackberry

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TYPE OF LOAN

CONSUMER

COMMERCIAL

SME

LOAN SEPT'14 PROPORTION

CONSUMER LOAN Sept13 Sept14Multipurpose 56,14% 55,23%

Mortgage 4,37% 4,73%

Others 2,51% 2,23%

Total 63,03% 62,19%

COMMERCIAL LOAN Sept13 Sept14

Standby Loan 5,17% 4,93%

Keppres 4,40% 4,44%

Syndicate 7,11% 8,66%

Overdraft 3,57% 3,53%

Total 20,24% 21,52%

Small Medium Ent. Sept13 Sept14

KUR 6,96% 4,32%

Pundi Kencana 1,98% 2,86%

Laguna 0,41% 0,17%

Others 7,38% 8,89%

Total 16,73% 16,26%

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10.65411.185 11.252

11.88612.395

13.120 13.32913.568

14.02614.727

15.59916.224

2.8633.580 3.798

3.239 3.0723.869

4.240 4.358 4.2284.636

5.0195.624

3.044 3.3203.490 3.432 3.338 3.442 3.506 3.601

3.8313.321

4.203 4.239

3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14

Consumer Commercial SME In Billion Rp.

YoY

Consumer19,58%

Commercial29,04%

SME17,71%

TYPE OF LOAN

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In Billion Rp.

9.81310.232 10.247

10.73911.142

11.734 11.87812.086

12.457

13.058

13.86414.408

410 513558 653 748 850

914 941 1.025 1.0971.177

1.233

431440 446 494 505

536537 541 544 572 559

583

3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14

Consumer Loan

Multipurpose Mortgage Others

TYPE OF LOAN

YoY

Multipurpose19,22%

Mortgage31,04%

Others7,73%

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In Billion Rp.

646

860

1.020

745616

942

1.094

1.113

1.002

616

1.075

1.286

308

706886

612

411

721

861947

635

411

824

1.157

900

1.0101.087

1.185

1.285 1.410

1.491 1.530

1.780

1.285

2.2172.259

1.010

1.004805

696

759796 794

768

810759

903 922

3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M13 1H14 9M14

Commercial Loan

Standby Loan Keppres Overdraft Syndicate

YoY

Standby

Loan15,54%

Keppres22,20%

Overdraft

47,64%

Syndicate19,99%

TYPE OF LOAN

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In Billion Rp.

1.8321.908 1.903

1.7631.631

1.508

1.4321.387

1.312

1.243 1.2181.128

165191 209

234277

351397 426

513603

693747

127

121 115 104 10094 90 89 75 74 63 44

920

1.100

1.3741.330

1.330

1.489 1.587

1.588

1.930

1.401

2.2292.320

3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14

SME Loan

KUR Pundi Kencana Laguna Others

TYPE OF LOAN

YoY

KUR-24,71%

PundiKencana

75,34%

Laguna-50,46%

Others46,10%

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263.169 264.742 260.490 261.230 260.862257.846 254.976 257.915 256.321

256.095 262.293 260.647

4.128 5.902 7.790 6.283 4.019 6.248 7.332 7.744 6.173 5.773 8.598 9.64436.498 39.306 40.809

41.43941.554 42.097 41.971 43.553 43.441 41.411 45.951 43.986

3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14

Total Customer

Consumer Commercial SME

40,48 42,3 43,2 45,5 47,51 50,89 51,84 52,61 54,72 56,97 59,47 62,25

693,65606,78

487,55 514,45

764,28624,03 576,5 562,76

681,96796,78

582,31 583,11

83,41 84,48 85,52 82,82 80,34 81,95 81,11 82,69 88,19 75,56 91,47 96,37

3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14

Ticket Size

Consumer Commercial SME

TYPE OF LOAN

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7.177

8.832

9.649

10.738

11.141

11.734

11.869

12.086

12.457

13.058

13.864

14.408

2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14

Multiguna Loan Balance

Billion Rp. )

29,2

32,5

38,9

43,6

45,8

48,8

50,6

52,2

54,2

56,7

59,3

2009 2010 2011 2012 3M13 1H13 9M13 2013 3M14 1H14 9M14

Multiguna Ticket Size (million) Rp.

Description Details

Civil Servants (per August 2014) 426.545

Multipurpose Customer (Civil Servants) 210.682

% 49,39%

NPL 0,18 % as of Sept 30, 2014

MULTIPURPOSE LOAN

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Linkage

Program

Executing

Outstanding : Rp. 401,66

Billion

Consists of 75 members

Linkage

Program KUR

Outstanding : Rp. 2,55

Billion


Linkage BPR

Non APEX

Outstanding : Rp. 10,06Billion


One of transfer system service to Rural Bank in Bank Jatim is

JETS (Jatim Electronic Transfer System). In this case, Bank

Jatim acting as an organizer and Rural bank as participants.

The members of JETS :

18 Rural Bank pilot project was done kick off meeting

87 Rural Bank who engage themselves in the

implementation of JETS

Per December 2013 (monthly report)Type of

Transaction

Total Transaction

(in 1 month)

Total Amount

Between BPR 29 Rp. 1.946.703.583

BPR with Public

Bank member

SKNBI

190 Rp. 4.401.731.306

TOTAL 219 Rp. 6.348.434.889

LINKAGE PROGRAM TO RURAL BANK JETS

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1409

2102 2136 20652346

26693190 3316 3251 3390

3658 37773892

2007 2008 2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14

*Exclude

outsourcing

No DATA Sept13 Sept14

1Board of

Commisioner3 4

2Board of Sharia

Supervisory3 3

3 Director 3 4

4 Management 1 15 11




8Staff of

Administration1.031 1.526

9Staff Non

Administration361 343

10 Non Permanent 1.051 1.044

11 Outsource 1.225 1.696

Total 4.476 5.588

No Program 2013 DescriptionTarget

2014

1 Manajement Trainee (MT)

21 15 Pjs. Manager -

6 Waiting for placement -

2 Staff Development Program (SDP)

- SDP 4 Batch 1 68 64 definitive officials; 4 pjs -

- SDP 4 Batch 2 87 73 definitive officials; 11 pjs -

- SDP 5 Batch 1 4540 Pjs. Manager; 5 waiting for

placement-

- SDP 5 Batch 2 485 Pjs. Manager; 43 waiting for

placement-

- SDP 6 - - 108

3 Manager Development Program (MDP)

- Batch 3 39 39 Head of Sub Branch Office -

- Batch 4 423 Head of Sub Branch Office, 39

waiting for placement-

- Batch 5 - - 80

4 Executive Development Program (EDP)

EDP Batch 7 9 8 pass the program -

EDP Batch 8 - - 17

Human resources

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Description Target

Total Asset 18,96%

Loan 25,51%

Third Party Fund 24,88%

- Current Account 21,72%

- Saving Account 12,83%

- Time Deposit 49,94%

Financial Ratio

-CAR 20,29%

-LDR 84,99%

-NPL Gross 2,99%

-NIM 7,73%

-BOPO 70,01%

-ROE 20,60%

-ROA 3,76%

Strategy of achieving loan growth 25,51%

is by distributioning loan of consumer 2,3Trillion, consists of Multipuspose Loan 2

Trillion, and the rest is Mortgage and

Talangan Haji. Followed by SME Loan 2

Trillion and Commercial Loan 1,2 Trillion

Strategy of funding, focus on Current

Account and Saving Account, supported by

product development such as Siklus Saving,

Flazz, e-money, sms banking, and internet

banking. For cost of fund maintained in

range 2,6% to 3%. Growth of saving,

targetted 30,65%

Strategy to increase NIM from 7,14% to

7,73%, by micro loan penetration which is

distributed 300 billion with interest 19% -

31%, supported by distribution ofMultipurpose Loan 3 Rp Tril or grow 25 %

Business plan 2014

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CASASeptember 2014

68,27 %

51.7%46.0% 47.7%

42.6%40.3%

43.5%46,3% 48,0% 43,1% 40,7% 43,5% 38,4%

43,3%

24.6%25.4% 28.8%

36.2%35.8%

24,1%

25,0%28,4% 35,9%

35,4%36,8%

38,4% 25,0%

23.7% 28.5% 23.5% 21.2% 23.9% 23,7%

28,7% 23,7% 21,0% 23,9% 19,7% 23,2%

31,7%

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 9M14

Time deposit Saving deposit Cur rent account

Competitive funding composition

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4,48% 4,53%3,00% 2,53% 3,02% 3,18%

3,44% 3,21% 2,61% 3,16%3,54% 3,48%

4,92% 5,00%

2,75%2,39%

3,10% 3,28%3,52% 3,31%

2,58%3,26%

3,81% 3,71%

3M12 1H12 9M12 FY12 3M13 1H13 Jul-13 9M13 FY13 3M14 1H14 9M14

COF(+) Local Government (-) Local Government

Cost of fund

31


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SinergiAliansi,

terutamajaringan

2013PenguatanJaringan &

SDI2014

PenguatanTeknologi

& SDI2015

PersiapanSpin Off

20172016

STRATEGI

JARINGAN &

OPS

FINANCIAL

3 KC5 KCP

47 KLS

PenempatanSDI di KLS

Produksi KLSsbg KPIkonven

RekrutmenSDI

Diklat untukUUS dankonven

Riset

Pilot ProjectKMS

STRATEGI

JARINGAN

& OPS

FINANCIAL

5 KC8 KCP

55 KLS

Memperkuatjaringaninternal

Penguatan

kemitraan dgLKMS

Penguatankompetensi SDI

Penguatanempaty SDI

Penanamanbudaya kerja(FASTER)

STRATEGI

JARINGAN

& OPS

FINANCIAL

STRATEGI

JARINGAN

& OPS

FINANCIAL

6 KC12 KCP

60 KLS

Membanguninfrastruktur

Pemberdayaa

n UMKInovasi

produk

Link IT antaraUUS, LKMSdan UMK

Pemasaranmasif produkUMK

7 KC16 KCP

60 KLS

PenyiapanSDM

Kajiankelembagaan

(saham)Kajian sinergiproduk,layanan, IT,Jaringan

Penyiapanaspek hukumpendirian PTbaru

sharia

32


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Sharia PRODUCTS

33


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No Branch

Unit Unit SEPTEMBER 2014

RR NPL% ACHIEVEMENT

AmountAge

(Month)PLAFOND Out Standing NOA OS AVG MRG

1 Surabaya 7 8 36.627.000 34.598.885 126 100,00% 0,00% 81,29% 77,34%

2 Sidoarjo 6 8 43.239.500 40.136.844 175 100,00% 0,00% 110,02% 79,03%

3 Madiun 6 8 21.426.000 19.956.474 101 98,80% 0,00% 59,68% 76,59%

4 Mojokerto 5 4 19.629.000 19.095.009 78 100,00% 0,00% 125,63% 78,94%

5 Kediri 5 4 14.287.000 13.951.721 91 100,00% 0,00% 91,79% 85,81%

6 Gresik 5 4 16.283.000 15.812.093 61 100,00% 0,00% 104,03% 78,90%

7 Malang 6 4 22.400.000 21.946.079 85 100,00% 0,00% 120,32% 78,49%

Total 173.891.500 165.497.105 717 99,86% 0,00% 93,86% 79,57%

Micro Loan Result

Micro loan

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Network 2009 2010 2011 2012

2013

9M14

Head Office 1 1 1 1 1 1

Branch Office 39 41 41 41 41 42

Sub Branch

Office

26 44 67 81 107 145

Cash office 151 154 164 164 176 161

Sharia service

office

37 37 47 47 47 47

Payment

Point

78 88 115 138 155 158

Mobile cash 45 49 57 57 59 60

Mobile ATM - 4 4 6 6 6

CDM 1 1 1 1 1 1

ATM 87 142 262 368 479 511

Total network 465 561 759 904 1.072 1.132

Growth 2014 2015 2016 2017 2018

Branch

Office

3 2 2 - -

SubBranch

Office

40 46 46 5050

Cash

office20 31 31 30 30

ATM 125 100 100 100 100

network

35


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No Description

July 2014

East Java

9M14

Bank Jatim

1. Total Asset 450,55 42,69 9,48

2. Third Party Fund 350,65 35,70 10,18

3. Loan 372,15 26,09 7,01

Source : Bank Indonesia

In Trilion Rp.

CAGR =

24.97

Regional market share

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No Bank Asset LoanThird Party

FundPaid Capital

Net Income

After Tax

1 Bank Jabar Banten 66.084 47.964 52.565 2.424 511

2 Bank Jatim 36.685 24.803 29.393 3.729 613

3 Bank Jateng 34.001 24.020 30.233 1.217 431

4 Bank DKI 32.753 19.084 24.775 2.931 517

5

Bank Kaltim 25.316 17.502 22.043 2.761 -566

2

2

3

1

Bank jatim among regional bank

37Source: Bank Indonesia, July 2014

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Bank

(30/09/2014)

Share px Market Cap

Rp bn

PBV PER Dividend Yield

BJTM 434 6.474 1.1 7.9 10.3%

BBKP 715 6.497 1 6.2 3.6%

BJBR 795 7.709 1.2 5.6 9.3%

BBTN 1170 12.364 1.1 7.9 3.3%

BDMN 3905 37.428 1.2 9.3 2.7%

BTPN 4600 26.865 2.7 12.6 0%BBNI 5525 103.034 2.2 11.4 2.6%

BMRI 10075 235.083 2.7 12.9 2.3%

BBRI 10425 257.176 3.2 12.0 2.5%

BBCA 13075 322.364 5.0 22.6 0.9%

10.3

%BJTM

9.3

%3.6

%3.3

%2.0

%

INDUSTRY

Source: Securities

Divident yield

BJBR BBKP BBTN

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Indonesia Bank

Loyalty Award

2014

IAIR Awards

2014

MRI

Best Service

Excellence

2014

INFOBANK

AWARD

2014

AWARDS ACHIEVEMENTS

39


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Foreign Institution Investor Sept

2013

42,22 % from public shares

Foreign Institution Investor Sept

2014


Public shares 20 %

from paid capitalDomestic Investor Sept 2014


Domestic Investor Sept 2013


BJTM FOREIGN INSTITUTION INVESTOR

40


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Investor Relation Unit (IRU)

Corporate Secretary

(031) 5310090

www.bankjatim.co.id

-Ferdian Timur S. Ext. 472

Investor Relation Manager

Lukas Yudhi W.S Ext . 468

Junior Analis

Frizki Putera N Ext. 469

Junior Analis

CONTACT

lap keu bjtm q3 2014.pdf

Documents