1IR BJTM
BJTM COMPANY PERFORMANCE 9M18
judul
IR BJTM
Table of Contents
2
Description Page
Agenda Cover
Table of Contents 2
Overview 2018 3 ndash 5
Business Plan 2018 6 ndash 8
Appendix 9 ndash 34
- Macro Economy Review 10
- Balance Sheet Profit amp Loss 11 ndash 14
- Financial Ratio 15
- Third Party Fund Loan amp NPL 16 ndash 19
- Strategy Implementation 20 ndash 22
- Management 23 ndash 25
- Strength 27 ndash 34
Contact 35
IR BJTM
OVERVIEW
3
judul
IR BJTM
Balance SheetIn million Rp
9M17 9M18 YoY
Asset 53837669 63427447 1781
Loan 30696964 33073299 774
- Commercial 6853404 7081576 333
- SME 4819470 4966003 304
- Consumer 19024089 21025720 1052
Third Party Fund 43987520 52842744 2013
- Current Account 16253451 19188237 1806
- Saving Account 13608183 16272858 1958
- Time Deposit 14125885 17381649 2305
Profit amp LossIn million Rp
9M17 9M18 YoY
Interest Income 3589269 3740411 421
Interest Expense (962041) (1008375) 482
Net Interest Income 2627227 2732036 399
Provision for Impairment (144883) (73838) -4904
Net profit 1013778 1059811 454
Ratio 9M17 9M18 Ratio 9M17 9M18
ROA 361 338 BOPO 6489 6486
ROE 2051 2020 CAR 2285 2335
NIM 682 638 COF 234 307
LDR 6979 6259 CASA 6789 6711
Financial Performance
In million Rp 4
IR BJTM
Collectibility 5
Collectibility 4
Collectibility 3
Collectibility 2
Collectibility 1
Loan Impairment Loan Impairment
1403 1236 1324 115555 29 52 27
53 27 30 16
526 40 600 40
28660
57
31067
62
Loan amp Impairment CompositionNPL
Information9M17 9M18
NPL Gross 492 425
NPL Net 072 063
Coverage Ratio
9187 9236
Credit Cost 063 030
Consumerrsquos NPL
037 025
Commercialrsquos NPL
1626 1445
SMErsquos NPL 679 667
9M17
In Billion Rp
Non Performing Loan
5
NPLbull Extracomptable or write-off collection 58 billion rupiah
9M18
IR BJTM
BUSINESS PLAN 2018
6
IR BJTM
Business Plan
7
Description
Growth
2015 2016 2017 2018 E
Total Asset 1265 054 1972 850
Loan 846 445 701 1065
Third Party Fund 1319 -428 2148 1000
Pre Tax Profit -833 1513 1273 500
Financial Ratio
- CAR 2122 2388 2465 2281
- LDR 8292 9048 7969 8105
- NPL Gross 429 477 459 370
- NIM 641 694 668 646
- BOPO 7611 7222 6863 6838
- ROE 1611 1782 1743 1948
- ROA 267 298 312 301
IR BJTM
Network 2011 2012 2013 2014 2015 2016 2017 9M18
NETWORK
PLAN
2018
SHARIA
PLAN
2018
Head Office 1 1 1 1 1 1 1 1 1
Branch Office 41 41 41 43 45 47 48 48
Sub Branch
Office67 81 107 153 165 166 166 168 7 6
Cash office 164 164 176 165 185 190 199 201 13 1
Sharia service
office47 47 47 97 97 191 191 191
Payment Point 115 138 155 167 171 181 190 207 22
Mobile cash 61 63 65 68 71 85 88 88 9
CDM 1 1 1 2 2 2 2 2
ATM 262 368 479 595 688 703 723 746 70 10
Total network 759 904 1072 1291 1425 1566 1608 1652
ldquoLaku Pandairdquo Agent
(Branchless Banking) 214 255
Networks Plan
8
IR BJTM
APPENDIX
9
IR BJTM
- - - -
550475475475
425425425525
575
430
838836
335
445
302361
437
372361340312288
BI 7-Day RR INFLASI
36644114 4092 4413 4403 4526 4580 4782 4789 5029
33203707
44134837 4917 5046 5143 5289 5293 5399
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
in trillion Rp
LOAN FUND
558502 479 490 501 501 506 507 506 527
608586
544 550 537 503 516 545 550 557
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
INDONESIA EAST JAVA
Economic Growth Economic Share
Indonesia Java
JAVA
59 Java
22 Sumatra
3 Bali amp Nusa Tenggara
6 Sulawesi
8 Kalimantan
3 Maluku amp Papua
East Java
29 DKI Jakarta
25 East Java
23 West Java
15 Central Java
7 Banten
1 DIY
Source Bank Indonesia
Macro Economy Review
10
IR BJTM 11
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789
Placement BI amp SBI 15617171 16042098 272 1958953 3616591 54739 -9721 -9849
Loan 30696964 33073299 774 207476 710805 954995 36029 3435
Allowance for Impairment Losses
(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279
Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642
- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922
- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521
- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671
Equity 7563351 8217326 865 303319 381431 302832 -016 -2061
Balance Sheet
IR BJTM 12
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD
Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312
Placement BI amp SBI 12630 11699 11703 12371 14204 14846 15987 13290 13854 16042 2701
Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415
Allowance for Impairment Losses
(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681
Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262
- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987
- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269
- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490
Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513
Monthly Balance Sheet
IR BJTM 13
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540
Interest Expense (962041) (1008375) 482 (357087) (348452) (361004) 110 360
Nett Interest Income 2627227 2732036 399 888561 901306 956296 762 610
Non Interest Operational Income
336346 367481 926 90370 122208 130550 4446 683
Non Interest Operational Expense
(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074
Provision for Impairment Losses
(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833
Nett Non Interest Operational Income (Expense)
(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786
Operational Profit 1378363 1443458 472 409738 509987 416807 173 -1827
Non Operational Profit 9695 19321 9928 (724) 960 15702 -226809 153578
Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535
Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113
Net profit 1013778 1059811 454 291674 381431 301535 338 -2095
Profit Loss
IR BJTM 14
Monthly Profit Loss
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18
Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740
Interest Expense (1315) (98) (189) (299) (412) (532) (647) (764) (884) (1008)
Nett Interest Income 3514 292 576 874 1165 1478 1776 2092 2422 2732
Non Interest Operational Income
442 29 73 115 163 204 237 283 314 367
Non Interest Operational Expense
(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)
Provision for Impairment Losses
(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)
Nett Non Interest Operational Income (Expense)
(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)
Operational Profit 1655 172 343 517 671 841 1027 1142 1264 1443
Non Operational
Profit(18) 3 3 3 3 3 4 4 16 19
Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463
Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)
Net profit 1159 128 254 377 489 612 758 842 928 1060
IR BJTM
Financial Ratio
15
ROA ROE NIM LDR CAR BOPO
2010 558 4057 917 8070 1919 5958
2011 497 3365 795 8011 1653 6002
2012 334 1896 648 8355 2656 6869
2013 382 1904 714 8498 2372 7028
2014 352 1898 690 8654 2217 6963
2015 267 1611 641 8292 2122 7611
3M16 380 2349 683 6811 1946 6532
1H16 318 2087 669 7264 2065 7056
9M16 309 2014 670 7197 2243 7115
FY16 298 1782 694 9048 2388 7222
3M17 396 2071 718 7062 2230 6262
1H17 393 2217 698 7226 2255 6260
9M17 361 2051 682 6979 2285 6489
FY17 312 1743 668 7969 2465 6863
3M18 388 2150 657 6980 2294 5988
1H18 367 2187 641 6486 2308 6140
9M18 338 2020 638 6259 2335 6486
22210 27416 25987
35479 30270
42681 43754
34263 41506 40302 41165
32799
41479 42196 43988 39845
44998 49517
52843
20000
30000
40000
50000
60000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Third Party Fund
IR BJTM
Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Government 11319 14258 2597 2573 2698 1204106 1218614
Private 4935 4930 -009 1122 933 833 701
Total 16253 19188 1806 3695 3631 2740 2723
Saving Account
Simpeda 10295 11989 1645 2340 2269 55 61
Siklus 1672 2119 2674 380 401 86 85
Tab Haji 226 244 799 051 046 17 18
TabunganKu SimPel 1264 1729 3681 287 327 04 05
Barokah 151 192 2683 034 036 62 67
Total 13608 16273 1958 3094 3079 26 28
Time Deposit
lt 3 Month 13688 17095 2489 3112 3235 3375 3699
gt 6 Month 438 287 -3461 100 054 1277 972
Total 14126 17382 2305 3211 3289 3211 3535
Funding Growth Composition
Third Party Fund
Ticket Sizein million
in billion
16
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
judul
IR BJTM
Table of Contents
2
Description Page
Agenda Cover
Table of Contents 2
Overview 2018 3 ndash 5
Business Plan 2018 6 ndash 8
Appendix 9 ndash 34
- Macro Economy Review 10
- Balance Sheet Profit amp Loss 11 ndash 14
- Financial Ratio 15
- Third Party Fund Loan amp NPL 16 ndash 19
- Strategy Implementation 20 ndash 22
- Management 23 ndash 25
- Strength 27 ndash 34
Contact 35
IR BJTM
OVERVIEW
3
judul
IR BJTM
Balance SheetIn million Rp
9M17 9M18 YoY
Asset 53837669 63427447 1781
Loan 30696964 33073299 774
- Commercial 6853404 7081576 333
- SME 4819470 4966003 304
- Consumer 19024089 21025720 1052
Third Party Fund 43987520 52842744 2013
- Current Account 16253451 19188237 1806
- Saving Account 13608183 16272858 1958
- Time Deposit 14125885 17381649 2305
Profit amp LossIn million Rp
9M17 9M18 YoY
Interest Income 3589269 3740411 421
Interest Expense (962041) (1008375) 482
Net Interest Income 2627227 2732036 399
Provision for Impairment (144883) (73838) -4904
Net profit 1013778 1059811 454
Ratio 9M17 9M18 Ratio 9M17 9M18
ROA 361 338 BOPO 6489 6486
ROE 2051 2020 CAR 2285 2335
NIM 682 638 COF 234 307
LDR 6979 6259 CASA 6789 6711
Financial Performance
In million Rp 4
IR BJTM
Collectibility 5
Collectibility 4
Collectibility 3
Collectibility 2
Collectibility 1
Loan Impairment Loan Impairment
1403 1236 1324 115555 29 52 27
53 27 30 16
526 40 600 40
28660
57
31067
62
Loan amp Impairment CompositionNPL
Information9M17 9M18
NPL Gross 492 425
NPL Net 072 063
Coverage Ratio
9187 9236
Credit Cost 063 030
Consumerrsquos NPL
037 025
Commercialrsquos NPL
1626 1445
SMErsquos NPL 679 667
9M17
In Billion Rp
Non Performing Loan
5
NPLbull Extracomptable or write-off collection 58 billion rupiah
9M18
IR BJTM
BUSINESS PLAN 2018
6
IR BJTM
Business Plan
7
Description
Growth
2015 2016 2017 2018 E
Total Asset 1265 054 1972 850
Loan 846 445 701 1065
Third Party Fund 1319 -428 2148 1000
Pre Tax Profit -833 1513 1273 500
Financial Ratio
- CAR 2122 2388 2465 2281
- LDR 8292 9048 7969 8105
- NPL Gross 429 477 459 370
- NIM 641 694 668 646
- BOPO 7611 7222 6863 6838
- ROE 1611 1782 1743 1948
- ROA 267 298 312 301
IR BJTM
Network 2011 2012 2013 2014 2015 2016 2017 9M18
NETWORK
PLAN
2018
SHARIA
PLAN
2018
Head Office 1 1 1 1 1 1 1 1 1
Branch Office 41 41 41 43 45 47 48 48
Sub Branch
Office67 81 107 153 165 166 166 168 7 6
Cash office 164 164 176 165 185 190 199 201 13 1
Sharia service
office47 47 47 97 97 191 191 191
Payment Point 115 138 155 167 171 181 190 207 22
Mobile cash 61 63 65 68 71 85 88 88 9
CDM 1 1 1 2 2 2 2 2
ATM 262 368 479 595 688 703 723 746 70 10
Total network 759 904 1072 1291 1425 1566 1608 1652
ldquoLaku Pandairdquo Agent
(Branchless Banking) 214 255
Networks Plan
8
IR BJTM
APPENDIX
9
IR BJTM
- - - -
550475475475
425425425525
575
430
838836
335
445
302361
437
372361340312288
BI 7-Day RR INFLASI
36644114 4092 4413 4403 4526 4580 4782 4789 5029
33203707
44134837 4917 5046 5143 5289 5293 5399
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
in trillion Rp
LOAN FUND
558502 479 490 501 501 506 507 506 527
608586
544 550 537 503 516 545 550 557
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
INDONESIA EAST JAVA
Economic Growth Economic Share
Indonesia Java
JAVA
59 Java
22 Sumatra
3 Bali amp Nusa Tenggara
6 Sulawesi
8 Kalimantan
3 Maluku amp Papua
East Java
29 DKI Jakarta
25 East Java
23 West Java
15 Central Java
7 Banten
1 DIY
Source Bank Indonesia
Macro Economy Review
10
IR BJTM 11
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789
Placement BI amp SBI 15617171 16042098 272 1958953 3616591 54739 -9721 -9849
Loan 30696964 33073299 774 207476 710805 954995 36029 3435
Allowance for Impairment Losses
(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279
Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642
- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922
- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521
- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671
Equity 7563351 8217326 865 303319 381431 302832 -016 -2061
Balance Sheet
IR BJTM 12
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD
Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312
Placement BI amp SBI 12630 11699 11703 12371 14204 14846 15987 13290 13854 16042 2701
Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415
Allowance for Impairment Losses
(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681
Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262
- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987
- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269
- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490
Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513
Monthly Balance Sheet
IR BJTM 13
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540
Interest Expense (962041) (1008375) 482 (357087) (348452) (361004) 110 360
Nett Interest Income 2627227 2732036 399 888561 901306 956296 762 610
Non Interest Operational Income
336346 367481 926 90370 122208 130550 4446 683
Non Interest Operational Expense
(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074
Provision for Impairment Losses
(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833
Nett Non Interest Operational Income (Expense)
(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786
Operational Profit 1378363 1443458 472 409738 509987 416807 173 -1827
Non Operational Profit 9695 19321 9928 (724) 960 15702 -226809 153578
Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535
Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113
Net profit 1013778 1059811 454 291674 381431 301535 338 -2095
Profit Loss
IR BJTM 14
Monthly Profit Loss
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18
Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740
Interest Expense (1315) (98) (189) (299) (412) (532) (647) (764) (884) (1008)
Nett Interest Income 3514 292 576 874 1165 1478 1776 2092 2422 2732
Non Interest Operational Income
442 29 73 115 163 204 237 283 314 367
Non Interest Operational Expense
(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)
Provision for Impairment Losses
(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)
Nett Non Interest Operational Income (Expense)
(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)
Operational Profit 1655 172 343 517 671 841 1027 1142 1264 1443
Non Operational
Profit(18) 3 3 3 3 3 4 4 16 19
Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463
Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)
Net profit 1159 128 254 377 489 612 758 842 928 1060
IR BJTM
Financial Ratio
15
ROA ROE NIM LDR CAR BOPO
2010 558 4057 917 8070 1919 5958
2011 497 3365 795 8011 1653 6002
2012 334 1896 648 8355 2656 6869
2013 382 1904 714 8498 2372 7028
2014 352 1898 690 8654 2217 6963
2015 267 1611 641 8292 2122 7611
3M16 380 2349 683 6811 1946 6532
1H16 318 2087 669 7264 2065 7056
9M16 309 2014 670 7197 2243 7115
FY16 298 1782 694 9048 2388 7222
3M17 396 2071 718 7062 2230 6262
1H17 393 2217 698 7226 2255 6260
9M17 361 2051 682 6979 2285 6489
FY17 312 1743 668 7969 2465 6863
3M18 388 2150 657 6980 2294 5988
1H18 367 2187 641 6486 2308 6140
9M18 338 2020 638 6259 2335 6486
22210 27416 25987
35479 30270
42681 43754
34263 41506 40302 41165
32799
41479 42196 43988 39845
44998 49517
52843
20000
30000
40000
50000
60000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Third Party Fund
IR BJTM
Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Government 11319 14258 2597 2573 2698 1204106 1218614
Private 4935 4930 -009 1122 933 833 701
Total 16253 19188 1806 3695 3631 2740 2723
Saving Account
Simpeda 10295 11989 1645 2340 2269 55 61
Siklus 1672 2119 2674 380 401 86 85
Tab Haji 226 244 799 051 046 17 18
TabunganKu SimPel 1264 1729 3681 287 327 04 05
Barokah 151 192 2683 034 036 62 67
Total 13608 16273 1958 3094 3079 26 28
Time Deposit
lt 3 Month 13688 17095 2489 3112 3235 3375 3699
gt 6 Month 438 287 -3461 100 054 1277 972
Total 14126 17382 2305 3211 3289 3211 3535
Funding Growth Composition
Third Party Fund
Ticket Sizein million
in billion
16
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM
OVERVIEW
3
judul
IR BJTM
Balance SheetIn million Rp
9M17 9M18 YoY
Asset 53837669 63427447 1781
Loan 30696964 33073299 774
- Commercial 6853404 7081576 333
- SME 4819470 4966003 304
- Consumer 19024089 21025720 1052
Third Party Fund 43987520 52842744 2013
- Current Account 16253451 19188237 1806
- Saving Account 13608183 16272858 1958
- Time Deposit 14125885 17381649 2305
Profit amp LossIn million Rp
9M17 9M18 YoY
Interest Income 3589269 3740411 421
Interest Expense (962041) (1008375) 482
Net Interest Income 2627227 2732036 399
Provision for Impairment (144883) (73838) -4904
Net profit 1013778 1059811 454
Ratio 9M17 9M18 Ratio 9M17 9M18
ROA 361 338 BOPO 6489 6486
ROE 2051 2020 CAR 2285 2335
NIM 682 638 COF 234 307
LDR 6979 6259 CASA 6789 6711
Financial Performance
In million Rp 4
IR BJTM
Collectibility 5
Collectibility 4
Collectibility 3
Collectibility 2
Collectibility 1
Loan Impairment Loan Impairment
1403 1236 1324 115555 29 52 27
53 27 30 16
526 40 600 40
28660
57
31067
62
Loan amp Impairment CompositionNPL
Information9M17 9M18
NPL Gross 492 425
NPL Net 072 063
Coverage Ratio
9187 9236
Credit Cost 063 030
Consumerrsquos NPL
037 025
Commercialrsquos NPL
1626 1445
SMErsquos NPL 679 667
9M17
In Billion Rp
Non Performing Loan
5
NPLbull Extracomptable or write-off collection 58 billion rupiah
9M18
IR BJTM
BUSINESS PLAN 2018
6
IR BJTM
Business Plan
7
Description
Growth
2015 2016 2017 2018 E
Total Asset 1265 054 1972 850
Loan 846 445 701 1065
Third Party Fund 1319 -428 2148 1000
Pre Tax Profit -833 1513 1273 500
Financial Ratio
- CAR 2122 2388 2465 2281
- LDR 8292 9048 7969 8105
- NPL Gross 429 477 459 370
- NIM 641 694 668 646
- BOPO 7611 7222 6863 6838
- ROE 1611 1782 1743 1948
- ROA 267 298 312 301
IR BJTM
Network 2011 2012 2013 2014 2015 2016 2017 9M18
NETWORK
PLAN
2018
SHARIA
PLAN
2018
Head Office 1 1 1 1 1 1 1 1 1
Branch Office 41 41 41 43 45 47 48 48
Sub Branch
Office67 81 107 153 165 166 166 168 7 6
Cash office 164 164 176 165 185 190 199 201 13 1
Sharia service
office47 47 47 97 97 191 191 191
Payment Point 115 138 155 167 171 181 190 207 22
Mobile cash 61 63 65 68 71 85 88 88 9
CDM 1 1 1 2 2 2 2 2
ATM 262 368 479 595 688 703 723 746 70 10
Total network 759 904 1072 1291 1425 1566 1608 1652
ldquoLaku Pandairdquo Agent
(Branchless Banking) 214 255
Networks Plan
8
IR BJTM
APPENDIX
9
IR BJTM
- - - -
550475475475
425425425525
575
430
838836
335
445
302361
437
372361340312288
BI 7-Day RR INFLASI
36644114 4092 4413 4403 4526 4580 4782 4789 5029
33203707
44134837 4917 5046 5143 5289 5293 5399
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
in trillion Rp
LOAN FUND
558502 479 490 501 501 506 507 506 527
608586
544 550 537 503 516 545 550 557
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
INDONESIA EAST JAVA
Economic Growth Economic Share
Indonesia Java
JAVA
59 Java
22 Sumatra
3 Bali amp Nusa Tenggara
6 Sulawesi
8 Kalimantan
3 Maluku amp Papua
East Java
29 DKI Jakarta
25 East Java
23 West Java
15 Central Java
7 Banten
1 DIY
Source Bank Indonesia
Macro Economy Review
10
IR BJTM 11
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789
Placement BI amp SBI 15617171 16042098 272 1958953 3616591 54739 -9721 -9849
Loan 30696964 33073299 774 207476 710805 954995 36029 3435
Allowance for Impairment Losses
(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279
Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642
- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922
- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521
- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671
Equity 7563351 8217326 865 303319 381431 302832 -016 -2061
Balance Sheet
IR BJTM 12
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD
Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312
Placement BI amp SBI 12630 11699 11703 12371 14204 14846 15987 13290 13854 16042 2701
Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415
Allowance for Impairment Losses
(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681
Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262
- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987
- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269
- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490
Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513
Monthly Balance Sheet
IR BJTM 13
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540
Interest Expense (962041) (1008375) 482 (357087) (348452) (361004) 110 360
Nett Interest Income 2627227 2732036 399 888561 901306 956296 762 610
Non Interest Operational Income
336346 367481 926 90370 122208 130550 4446 683
Non Interest Operational Expense
(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074
Provision for Impairment Losses
(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833
Nett Non Interest Operational Income (Expense)
(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786
Operational Profit 1378363 1443458 472 409738 509987 416807 173 -1827
Non Operational Profit 9695 19321 9928 (724) 960 15702 -226809 153578
Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535
Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113
Net profit 1013778 1059811 454 291674 381431 301535 338 -2095
Profit Loss
IR BJTM 14
Monthly Profit Loss
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18
Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740
Interest Expense (1315) (98) (189) (299) (412) (532) (647) (764) (884) (1008)
Nett Interest Income 3514 292 576 874 1165 1478 1776 2092 2422 2732
Non Interest Operational Income
442 29 73 115 163 204 237 283 314 367
Non Interest Operational Expense
(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)
Provision for Impairment Losses
(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)
Nett Non Interest Operational Income (Expense)
(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)
Operational Profit 1655 172 343 517 671 841 1027 1142 1264 1443
Non Operational
Profit(18) 3 3 3 3 3 4 4 16 19
Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463
Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)
Net profit 1159 128 254 377 489 612 758 842 928 1060
IR BJTM
Financial Ratio
15
ROA ROE NIM LDR CAR BOPO
2010 558 4057 917 8070 1919 5958
2011 497 3365 795 8011 1653 6002
2012 334 1896 648 8355 2656 6869
2013 382 1904 714 8498 2372 7028
2014 352 1898 690 8654 2217 6963
2015 267 1611 641 8292 2122 7611
3M16 380 2349 683 6811 1946 6532
1H16 318 2087 669 7264 2065 7056
9M16 309 2014 670 7197 2243 7115
FY16 298 1782 694 9048 2388 7222
3M17 396 2071 718 7062 2230 6262
1H17 393 2217 698 7226 2255 6260
9M17 361 2051 682 6979 2285 6489
FY17 312 1743 668 7969 2465 6863
3M18 388 2150 657 6980 2294 5988
1H18 367 2187 641 6486 2308 6140
9M18 338 2020 638 6259 2335 6486
22210 27416 25987
35479 30270
42681 43754
34263 41506 40302 41165
32799
41479 42196 43988 39845
44998 49517
52843
20000
30000
40000
50000
60000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Third Party Fund
IR BJTM
Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Government 11319 14258 2597 2573 2698 1204106 1218614
Private 4935 4930 -009 1122 933 833 701
Total 16253 19188 1806 3695 3631 2740 2723
Saving Account
Simpeda 10295 11989 1645 2340 2269 55 61
Siklus 1672 2119 2674 380 401 86 85
Tab Haji 226 244 799 051 046 17 18
TabunganKu SimPel 1264 1729 3681 287 327 04 05
Barokah 151 192 2683 034 036 62 67
Total 13608 16273 1958 3094 3079 26 28
Time Deposit
lt 3 Month 13688 17095 2489 3112 3235 3375 3699
gt 6 Month 438 287 -3461 100 054 1277 972
Total 14126 17382 2305 3211 3289 3211 3535
Funding Growth Composition
Third Party Fund
Ticket Sizein million
in billion
16
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
judul
IR BJTM
Balance SheetIn million Rp
9M17 9M18 YoY
Asset 53837669 63427447 1781
Loan 30696964 33073299 774
- Commercial 6853404 7081576 333
- SME 4819470 4966003 304
- Consumer 19024089 21025720 1052
Third Party Fund 43987520 52842744 2013
- Current Account 16253451 19188237 1806
- Saving Account 13608183 16272858 1958
- Time Deposit 14125885 17381649 2305
Profit amp LossIn million Rp
9M17 9M18 YoY
Interest Income 3589269 3740411 421
Interest Expense (962041) (1008375) 482
Net Interest Income 2627227 2732036 399
Provision for Impairment (144883) (73838) -4904
Net profit 1013778 1059811 454
Ratio 9M17 9M18 Ratio 9M17 9M18
ROA 361 338 BOPO 6489 6486
ROE 2051 2020 CAR 2285 2335
NIM 682 638 COF 234 307
LDR 6979 6259 CASA 6789 6711
Financial Performance
In million Rp 4
IR BJTM
Collectibility 5
Collectibility 4
Collectibility 3
Collectibility 2
Collectibility 1
Loan Impairment Loan Impairment
1403 1236 1324 115555 29 52 27
53 27 30 16
526 40 600 40
28660
57
31067
62
Loan amp Impairment CompositionNPL
Information9M17 9M18
NPL Gross 492 425
NPL Net 072 063
Coverage Ratio
9187 9236
Credit Cost 063 030
Consumerrsquos NPL
037 025
Commercialrsquos NPL
1626 1445
SMErsquos NPL 679 667
9M17
In Billion Rp
Non Performing Loan
5
NPLbull Extracomptable or write-off collection 58 billion rupiah
9M18
IR BJTM
BUSINESS PLAN 2018
6
IR BJTM
Business Plan
7
Description
Growth
2015 2016 2017 2018 E
Total Asset 1265 054 1972 850
Loan 846 445 701 1065
Third Party Fund 1319 -428 2148 1000
Pre Tax Profit -833 1513 1273 500
Financial Ratio
- CAR 2122 2388 2465 2281
- LDR 8292 9048 7969 8105
- NPL Gross 429 477 459 370
- NIM 641 694 668 646
- BOPO 7611 7222 6863 6838
- ROE 1611 1782 1743 1948
- ROA 267 298 312 301
IR BJTM
Network 2011 2012 2013 2014 2015 2016 2017 9M18
NETWORK
PLAN
2018
SHARIA
PLAN
2018
Head Office 1 1 1 1 1 1 1 1 1
Branch Office 41 41 41 43 45 47 48 48
Sub Branch
Office67 81 107 153 165 166 166 168 7 6
Cash office 164 164 176 165 185 190 199 201 13 1
Sharia service
office47 47 47 97 97 191 191 191
Payment Point 115 138 155 167 171 181 190 207 22
Mobile cash 61 63 65 68 71 85 88 88 9
CDM 1 1 1 2 2 2 2 2
ATM 262 368 479 595 688 703 723 746 70 10
Total network 759 904 1072 1291 1425 1566 1608 1652
ldquoLaku Pandairdquo Agent
(Branchless Banking) 214 255
Networks Plan
8
IR BJTM
APPENDIX
9
IR BJTM
- - - -
550475475475
425425425525
575
430
838836
335
445
302361
437
372361340312288
BI 7-Day RR INFLASI
36644114 4092 4413 4403 4526 4580 4782 4789 5029
33203707
44134837 4917 5046 5143 5289 5293 5399
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
in trillion Rp
LOAN FUND
558502 479 490 501 501 506 507 506 527
608586
544 550 537 503 516 545 550 557
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
INDONESIA EAST JAVA
Economic Growth Economic Share
Indonesia Java
JAVA
59 Java
22 Sumatra
3 Bali amp Nusa Tenggara
6 Sulawesi
8 Kalimantan
3 Maluku amp Papua
East Java
29 DKI Jakarta
25 East Java
23 West Java
15 Central Java
7 Banten
1 DIY
Source Bank Indonesia
Macro Economy Review
10
IR BJTM 11
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789
Placement BI amp SBI 15617171 16042098 272 1958953 3616591 54739 -9721 -9849
Loan 30696964 33073299 774 207476 710805 954995 36029 3435
Allowance for Impairment Losses
(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279
Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642
- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922
- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521
- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671
Equity 7563351 8217326 865 303319 381431 302832 -016 -2061
Balance Sheet
IR BJTM 12
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD
Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312
Placement BI amp SBI 12630 11699 11703 12371 14204 14846 15987 13290 13854 16042 2701
Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415
Allowance for Impairment Losses
(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681
Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262
- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987
- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269
- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490
Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513
Monthly Balance Sheet
IR BJTM 13
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540
Interest Expense (962041) (1008375) 482 (357087) (348452) (361004) 110 360
Nett Interest Income 2627227 2732036 399 888561 901306 956296 762 610
Non Interest Operational Income
336346 367481 926 90370 122208 130550 4446 683
Non Interest Operational Expense
(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074
Provision for Impairment Losses
(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833
Nett Non Interest Operational Income (Expense)
(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786
Operational Profit 1378363 1443458 472 409738 509987 416807 173 -1827
Non Operational Profit 9695 19321 9928 (724) 960 15702 -226809 153578
Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535
Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113
Net profit 1013778 1059811 454 291674 381431 301535 338 -2095
Profit Loss
IR BJTM 14
Monthly Profit Loss
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18
Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740
Interest Expense (1315) (98) (189) (299) (412) (532) (647) (764) (884) (1008)
Nett Interest Income 3514 292 576 874 1165 1478 1776 2092 2422 2732
Non Interest Operational Income
442 29 73 115 163 204 237 283 314 367
Non Interest Operational Expense
(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)
Provision for Impairment Losses
(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)
Nett Non Interest Operational Income (Expense)
(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)
Operational Profit 1655 172 343 517 671 841 1027 1142 1264 1443
Non Operational
Profit(18) 3 3 3 3 3 4 4 16 19
Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463
Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)
Net profit 1159 128 254 377 489 612 758 842 928 1060
IR BJTM
Financial Ratio
15
ROA ROE NIM LDR CAR BOPO
2010 558 4057 917 8070 1919 5958
2011 497 3365 795 8011 1653 6002
2012 334 1896 648 8355 2656 6869
2013 382 1904 714 8498 2372 7028
2014 352 1898 690 8654 2217 6963
2015 267 1611 641 8292 2122 7611
3M16 380 2349 683 6811 1946 6532
1H16 318 2087 669 7264 2065 7056
9M16 309 2014 670 7197 2243 7115
FY16 298 1782 694 9048 2388 7222
3M17 396 2071 718 7062 2230 6262
1H17 393 2217 698 7226 2255 6260
9M17 361 2051 682 6979 2285 6489
FY17 312 1743 668 7969 2465 6863
3M18 388 2150 657 6980 2294 5988
1H18 367 2187 641 6486 2308 6140
9M18 338 2020 638 6259 2335 6486
22210 27416 25987
35479 30270
42681 43754
34263 41506 40302 41165
32799
41479 42196 43988 39845
44998 49517
52843
20000
30000
40000
50000
60000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Third Party Fund
IR BJTM
Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Government 11319 14258 2597 2573 2698 1204106 1218614
Private 4935 4930 -009 1122 933 833 701
Total 16253 19188 1806 3695 3631 2740 2723
Saving Account
Simpeda 10295 11989 1645 2340 2269 55 61
Siklus 1672 2119 2674 380 401 86 85
Tab Haji 226 244 799 051 046 17 18
TabunganKu SimPel 1264 1729 3681 287 327 04 05
Barokah 151 192 2683 034 036 62 67
Total 13608 16273 1958 3094 3079 26 28
Time Deposit
lt 3 Month 13688 17095 2489 3112 3235 3375 3699
gt 6 Month 438 287 -3461 100 054 1277 972
Total 14126 17382 2305 3211 3289 3211 3535
Funding Growth Composition
Third Party Fund
Ticket Sizein million
in billion
16
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM
Collectibility 5
Collectibility 4
Collectibility 3
Collectibility 2
Collectibility 1
Loan Impairment Loan Impairment
1403 1236 1324 115555 29 52 27
53 27 30 16
526 40 600 40
28660
57
31067
62
Loan amp Impairment CompositionNPL
Information9M17 9M18
NPL Gross 492 425
NPL Net 072 063
Coverage Ratio
9187 9236
Credit Cost 063 030
Consumerrsquos NPL
037 025
Commercialrsquos NPL
1626 1445
SMErsquos NPL 679 667
9M17
In Billion Rp
Non Performing Loan
5
NPLbull Extracomptable or write-off collection 58 billion rupiah
9M18
IR BJTM
BUSINESS PLAN 2018
6
IR BJTM
Business Plan
7
Description
Growth
2015 2016 2017 2018 E
Total Asset 1265 054 1972 850
Loan 846 445 701 1065
Third Party Fund 1319 -428 2148 1000
Pre Tax Profit -833 1513 1273 500
Financial Ratio
- CAR 2122 2388 2465 2281
- LDR 8292 9048 7969 8105
- NPL Gross 429 477 459 370
- NIM 641 694 668 646
- BOPO 7611 7222 6863 6838
- ROE 1611 1782 1743 1948
- ROA 267 298 312 301
IR BJTM
Network 2011 2012 2013 2014 2015 2016 2017 9M18
NETWORK
PLAN
2018
SHARIA
PLAN
2018
Head Office 1 1 1 1 1 1 1 1 1
Branch Office 41 41 41 43 45 47 48 48
Sub Branch
Office67 81 107 153 165 166 166 168 7 6
Cash office 164 164 176 165 185 190 199 201 13 1
Sharia service
office47 47 47 97 97 191 191 191
Payment Point 115 138 155 167 171 181 190 207 22
Mobile cash 61 63 65 68 71 85 88 88 9
CDM 1 1 1 2 2 2 2 2
ATM 262 368 479 595 688 703 723 746 70 10
Total network 759 904 1072 1291 1425 1566 1608 1652
ldquoLaku Pandairdquo Agent
(Branchless Banking) 214 255
Networks Plan
8
IR BJTM
APPENDIX
9
IR BJTM
- - - -
550475475475
425425425525
575
430
838836
335
445
302361
437
372361340312288
BI 7-Day RR INFLASI
36644114 4092 4413 4403 4526 4580 4782 4789 5029
33203707
44134837 4917 5046 5143 5289 5293 5399
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
in trillion Rp
LOAN FUND
558502 479 490 501 501 506 507 506 527
608586
544 550 537 503 516 545 550 557
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
INDONESIA EAST JAVA
Economic Growth Economic Share
Indonesia Java
JAVA
59 Java
22 Sumatra
3 Bali amp Nusa Tenggara
6 Sulawesi
8 Kalimantan
3 Maluku amp Papua
East Java
29 DKI Jakarta
25 East Java
23 West Java
15 Central Java
7 Banten
1 DIY
Source Bank Indonesia
Macro Economy Review
10
IR BJTM 11
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789
Placement BI amp SBI 15617171 16042098 272 1958953 3616591 54739 -9721 -9849
Loan 30696964 33073299 774 207476 710805 954995 36029 3435
Allowance for Impairment Losses
(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279
Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642
- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922
- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521
- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671
Equity 7563351 8217326 865 303319 381431 302832 -016 -2061
Balance Sheet
IR BJTM 12
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD
Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312
Placement BI amp SBI 12630 11699 11703 12371 14204 14846 15987 13290 13854 16042 2701
Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415
Allowance for Impairment Losses
(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681
Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262
- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987
- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269
- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490
Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513
Monthly Balance Sheet
IR BJTM 13
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540
Interest Expense (962041) (1008375) 482 (357087) (348452) (361004) 110 360
Nett Interest Income 2627227 2732036 399 888561 901306 956296 762 610
Non Interest Operational Income
336346 367481 926 90370 122208 130550 4446 683
Non Interest Operational Expense
(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074
Provision for Impairment Losses
(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833
Nett Non Interest Operational Income (Expense)
(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786
Operational Profit 1378363 1443458 472 409738 509987 416807 173 -1827
Non Operational Profit 9695 19321 9928 (724) 960 15702 -226809 153578
Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535
Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113
Net profit 1013778 1059811 454 291674 381431 301535 338 -2095
Profit Loss
IR BJTM 14
Monthly Profit Loss
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18
Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740
Interest Expense (1315) (98) (189) (299) (412) (532) (647) (764) (884) (1008)
Nett Interest Income 3514 292 576 874 1165 1478 1776 2092 2422 2732
Non Interest Operational Income
442 29 73 115 163 204 237 283 314 367
Non Interest Operational Expense
(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)
Provision for Impairment Losses
(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)
Nett Non Interest Operational Income (Expense)
(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)
Operational Profit 1655 172 343 517 671 841 1027 1142 1264 1443
Non Operational
Profit(18) 3 3 3 3 3 4 4 16 19
Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463
Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)
Net profit 1159 128 254 377 489 612 758 842 928 1060
IR BJTM
Financial Ratio
15
ROA ROE NIM LDR CAR BOPO
2010 558 4057 917 8070 1919 5958
2011 497 3365 795 8011 1653 6002
2012 334 1896 648 8355 2656 6869
2013 382 1904 714 8498 2372 7028
2014 352 1898 690 8654 2217 6963
2015 267 1611 641 8292 2122 7611
3M16 380 2349 683 6811 1946 6532
1H16 318 2087 669 7264 2065 7056
9M16 309 2014 670 7197 2243 7115
FY16 298 1782 694 9048 2388 7222
3M17 396 2071 718 7062 2230 6262
1H17 393 2217 698 7226 2255 6260
9M17 361 2051 682 6979 2285 6489
FY17 312 1743 668 7969 2465 6863
3M18 388 2150 657 6980 2294 5988
1H18 367 2187 641 6486 2308 6140
9M18 338 2020 638 6259 2335 6486
22210 27416 25987
35479 30270
42681 43754
34263 41506 40302 41165
32799
41479 42196 43988 39845
44998 49517
52843
20000
30000
40000
50000
60000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Third Party Fund
IR BJTM
Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Government 11319 14258 2597 2573 2698 1204106 1218614
Private 4935 4930 -009 1122 933 833 701
Total 16253 19188 1806 3695 3631 2740 2723
Saving Account
Simpeda 10295 11989 1645 2340 2269 55 61
Siklus 1672 2119 2674 380 401 86 85
Tab Haji 226 244 799 051 046 17 18
TabunganKu SimPel 1264 1729 3681 287 327 04 05
Barokah 151 192 2683 034 036 62 67
Total 13608 16273 1958 3094 3079 26 28
Time Deposit
lt 3 Month 13688 17095 2489 3112 3235 3375 3699
gt 6 Month 438 287 -3461 100 054 1277 972
Total 14126 17382 2305 3211 3289 3211 3535
Funding Growth Composition
Third Party Fund
Ticket Sizein million
in billion
16
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM
BUSINESS PLAN 2018
6
IR BJTM
Business Plan
7
Description
Growth
2015 2016 2017 2018 E
Total Asset 1265 054 1972 850
Loan 846 445 701 1065
Third Party Fund 1319 -428 2148 1000
Pre Tax Profit -833 1513 1273 500
Financial Ratio
- CAR 2122 2388 2465 2281
- LDR 8292 9048 7969 8105
- NPL Gross 429 477 459 370
- NIM 641 694 668 646
- BOPO 7611 7222 6863 6838
- ROE 1611 1782 1743 1948
- ROA 267 298 312 301
IR BJTM
Network 2011 2012 2013 2014 2015 2016 2017 9M18
NETWORK
PLAN
2018
SHARIA
PLAN
2018
Head Office 1 1 1 1 1 1 1 1 1
Branch Office 41 41 41 43 45 47 48 48
Sub Branch
Office67 81 107 153 165 166 166 168 7 6
Cash office 164 164 176 165 185 190 199 201 13 1
Sharia service
office47 47 47 97 97 191 191 191
Payment Point 115 138 155 167 171 181 190 207 22
Mobile cash 61 63 65 68 71 85 88 88 9
CDM 1 1 1 2 2 2 2 2
ATM 262 368 479 595 688 703 723 746 70 10
Total network 759 904 1072 1291 1425 1566 1608 1652
ldquoLaku Pandairdquo Agent
(Branchless Banking) 214 255
Networks Plan
8
IR BJTM
APPENDIX
9
IR BJTM
- - - -
550475475475
425425425525
575
430
838836
335
445
302361
437
372361340312288
BI 7-Day RR INFLASI
36644114 4092 4413 4403 4526 4580 4782 4789 5029
33203707
44134837 4917 5046 5143 5289 5293 5399
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
in trillion Rp
LOAN FUND
558502 479 490 501 501 506 507 506 527
608586
544 550 537 503 516 545 550 557
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
INDONESIA EAST JAVA
Economic Growth Economic Share
Indonesia Java
JAVA
59 Java
22 Sumatra
3 Bali amp Nusa Tenggara
6 Sulawesi
8 Kalimantan
3 Maluku amp Papua
East Java
29 DKI Jakarta
25 East Java
23 West Java
15 Central Java
7 Banten
1 DIY
Source Bank Indonesia
Macro Economy Review
10
IR BJTM 11
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789
Placement BI amp SBI 15617171 16042098 272 1958953 3616591 54739 -9721 -9849
Loan 30696964 33073299 774 207476 710805 954995 36029 3435
Allowance for Impairment Losses
(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279
Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642
- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922
- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521
- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671
Equity 7563351 8217326 865 303319 381431 302832 -016 -2061
Balance Sheet
IR BJTM 12
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD
Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312
Placement BI amp SBI 12630 11699 11703 12371 14204 14846 15987 13290 13854 16042 2701
Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415
Allowance for Impairment Losses
(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681
Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262
- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987
- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269
- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490
Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513
Monthly Balance Sheet
IR BJTM 13
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540
Interest Expense (962041) (1008375) 482 (357087) (348452) (361004) 110 360
Nett Interest Income 2627227 2732036 399 888561 901306 956296 762 610
Non Interest Operational Income
336346 367481 926 90370 122208 130550 4446 683
Non Interest Operational Expense
(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074
Provision for Impairment Losses
(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833
Nett Non Interest Operational Income (Expense)
(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786
Operational Profit 1378363 1443458 472 409738 509987 416807 173 -1827
Non Operational Profit 9695 19321 9928 (724) 960 15702 -226809 153578
Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535
Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113
Net profit 1013778 1059811 454 291674 381431 301535 338 -2095
Profit Loss
IR BJTM 14
Monthly Profit Loss
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18
Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740
Interest Expense (1315) (98) (189) (299) (412) (532) (647) (764) (884) (1008)
Nett Interest Income 3514 292 576 874 1165 1478 1776 2092 2422 2732
Non Interest Operational Income
442 29 73 115 163 204 237 283 314 367
Non Interest Operational Expense
(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)
Provision for Impairment Losses
(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)
Nett Non Interest Operational Income (Expense)
(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)
Operational Profit 1655 172 343 517 671 841 1027 1142 1264 1443
Non Operational
Profit(18) 3 3 3 3 3 4 4 16 19
Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463
Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)
Net profit 1159 128 254 377 489 612 758 842 928 1060
IR BJTM
Financial Ratio
15
ROA ROE NIM LDR CAR BOPO
2010 558 4057 917 8070 1919 5958
2011 497 3365 795 8011 1653 6002
2012 334 1896 648 8355 2656 6869
2013 382 1904 714 8498 2372 7028
2014 352 1898 690 8654 2217 6963
2015 267 1611 641 8292 2122 7611
3M16 380 2349 683 6811 1946 6532
1H16 318 2087 669 7264 2065 7056
9M16 309 2014 670 7197 2243 7115
FY16 298 1782 694 9048 2388 7222
3M17 396 2071 718 7062 2230 6262
1H17 393 2217 698 7226 2255 6260
9M17 361 2051 682 6979 2285 6489
FY17 312 1743 668 7969 2465 6863
3M18 388 2150 657 6980 2294 5988
1H18 367 2187 641 6486 2308 6140
9M18 338 2020 638 6259 2335 6486
22210 27416 25987
35479 30270
42681 43754
34263 41506 40302 41165
32799
41479 42196 43988 39845
44998 49517
52843
20000
30000
40000
50000
60000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Third Party Fund
IR BJTM
Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Government 11319 14258 2597 2573 2698 1204106 1218614
Private 4935 4930 -009 1122 933 833 701
Total 16253 19188 1806 3695 3631 2740 2723
Saving Account
Simpeda 10295 11989 1645 2340 2269 55 61
Siklus 1672 2119 2674 380 401 86 85
Tab Haji 226 244 799 051 046 17 18
TabunganKu SimPel 1264 1729 3681 287 327 04 05
Barokah 151 192 2683 034 036 62 67
Total 13608 16273 1958 3094 3079 26 28
Time Deposit
lt 3 Month 13688 17095 2489 3112 3235 3375 3699
gt 6 Month 438 287 -3461 100 054 1277 972
Total 14126 17382 2305 3211 3289 3211 3535
Funding Growth Composition
Third Party Fund
Ticket Sizein million
in billion
16
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM
Business Plan
7
Description
Growth
2015 2016 2017 2018 E
Total Asset 1265 054 1972 850
Loan 846 445 701 1065
Third Party Fund 1319 -428 2148 1000
Pre Tax Profit -833 1513 1273 500
Financial Ratio
- CAR 2122 2388 2465 2281
- LDR 8292 9048 7969 8105
- NPL Gross 429 477 459 370
- NIM 641 694 668 646
- BOPO 7611 7222 6863 6838
- ROE 1611 1782 1743 1948
- ROA 267 298 312 301
IR BJTM
Network 2011 2012 2013 2014 2015 2016 2017 9M18
NETWORK
PLAN
2018
SHARIA
PLAN
2018
Head Office 1 1 1 1 1 1 1 1 1
Branch Office 41 41 41 43 45 47 48 48
Sub Branch
Office67 81 107 153 165 166 166 168 7 6
Cash office 164 164 176 165 185 190 199 201 13 1
Sharia service
office47 47 47 97 97 191 191 191
Payment Point 115 138 155 167 171 181 190 207 22
Mobile cash 61 63 65 68 71 85 88 88 9
CDM 1 1 1 2 2 2 2 2
ATM 262 368 479 595 688 703 723 746 70 10
Total network 759 904 1072 1291 1425 1566 1608 1652
ldquoLaku Pandairdquo Agent
(Branchless Banking) 214 255
Networks Plan
8
IR BJTM
APPENDIX
9
IR BJTM
- - - -
550475475475
425425425525
575
430
838836
335
445
302361
437
372361340312288
BI 7-Day RR INFLASI
36644114 4092 4413 4403 4526 4580 4782 4789 5029
33203707
44134837 4917 5046 5143 5289 5293 5399
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
in trillion Rp
LOAN FUND
558502 479 490 501 501 506 507 506 527
608586
544 550 537 503 516 545 550 557
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
INDONESIA EAST JAVA
Economic Growth Economic Share
Indonesia Java
JAVA
59 Java
22 Sumatra
3 Bali amp Nusa Tenggara
6 Sulawesi
8 Kalimantan
3 Maluku amp Papua
East Java
29 DKI Jakarta
25 East Java
23 West Java
15 Central Java
7 Banten
1 DIY
Source Bank Indonesia
Macro Economy Review
10
IR BJTM 11
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789
Placement BI amp SBI 15617171 16042098 272 1958953 3616591 54739 -9721 -9849
Loan 30696964 33073299 774 207476 710805 954995 36029 3435
Allowance for Impairment Losses
(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279
Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642
- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922
- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521
- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671
Equity 7563351 8217326 865 303319 381431 302832 -016 -2061
Balance Sheet
IR BJTM 12
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD
Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312
Placement BI amp SBI 12630 11699 11703 12371 14204 14846 15987 13290 13854 16042 2701
Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415
Allowance for Impairment Losses
(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681
Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262
- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987
- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269
- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490
Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513
Monthly Balance Sheet
IR BJTM 13
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540
Interest Expense (962041) (1008375) 482 (357087) (348452) (361004) 110 360
Nett Interest Income 2627227 2732036 399 888561 901306 956296 762 610
Non Interest Operational Income
336346 367481 926 90370 122208 130550 4446 683
Non Interest Operational Expense
(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074
Provision for Impairment Losses
(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833
Nett Non Interest Operational Income (Expense)
(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786
Operational Profit 1378363 1443458 472 409738 509987 416807 173 -1827
Non Operational Profit 9695 19321 9928 (724) 960 15702 -226809 153578
Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535
Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113
Net profit 1013778 1059811 454 291674 381431 301535 338 -2095
Profit Loss
IR BJTM 14
Monthly Profit Loss
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18
Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740
Interest Expense (1315) (98) (189) (299) (412) (532) (647) (764) (884) (1008)
Nett Interest Income 3514 292 576 874 1165 1478 1776 2092 2422 2732
Non Interest Operational Income
442 29 73 115 163 204 237 283 314 367
Non Interest Operational Expense
(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)
Provision for Impairment Losses
(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)
Nett Non Interest Operational Income (Expense)
(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)
Operational Profit 1655 172 343 517 671 841 1027 1142 1264 1443
Non Operational
Profit(18) 3 3 3 3 3 4 4 16 19
Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463
Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)
Net profit 1159 128 254 377 489 612 758 842 928 1060
IR BJTM
Financial Ratio
15
ROA ROE NIM LDR CAR BOPO
2010 558 4057 917 8070 1919 5958
2011 497 3365 795 8011 1653 6002
2012 334 1896 648 8355 2656 6869
2013 382 1904 714 8498 2372 7028
2014 352 1898 690 8654 2217 6963
2015 267 1611 641 8292 2122 7611
3M16 380 2349 683 6811 1946 6532
1H16 318 2087 669 7264 2065 7056
9M16 309 2014 670 7197 2243 7115
FY16 298 1782 694 9048 2388 7222
3M17 396 2071 718 7062 2230 6262
1H17 393 2217 698 7226 2255 6260
9M17 361 2051 682 6979 2285 6489
FY17 312 1743 668 7969 2465 6863
3M18 388 2150 657 6980 2294 5988
1H18 367 2187 641 6486 2308 6140
9M18 338 2020 638 6259 2335 6486
22210 27416 25987
35479 30270
42681 43754
34263 41506 40302 41165
32799
41479 42196 43988 39845
44998 49517
52843
20000
30000
40000
50000
60000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Third Party Fund
IR BJTM
Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Government 11319 14258 2597 2573 2698 1204106 1218614
Private 4935 4930 -009 1122 933 833 701
Total 16253 19188 1806 3695 3631 2740 2723
Saving Account
Simpeda 10295 11989 1645 2340 2269 55 61
Siklus 1672 2119 2674 380 401 86 85
Tab Haji 226 244 799 051 046 17 18
TabunganKu SimPel 1264 1729 3681 287 327 04 05
Barokah 151 192 2683 034 036 62 67
Total 13608 16273 1958 3094 3079 26 28
Time Deposit
lt 3 Month 13688 17095 2489 3112 3235 3375 3699
gt 6 Month 438 287 -3461 100 054 1277 972
Total 14126 17382 2305 3211 3289 3211 3535
Funding Growth Composition
Third Party Fund
Ticket Sizein million
in billion
16
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM
Network 2011 2012 2013 2014 2015 2016 2017 9M18
NETWORK
PLAN
2018
SHARIA
PLAN
2018
Head Office 1 1 1 1 1 1 1 1 1
Branch Office 41 41 41 43 45 47 48 48
Sub Branch
Office67 81 107 153 165 166 166 168 7 6
Cash office 164 164 176 165 185 190 199 201 13 1
Sharia service
office47 47 47 97 97 191 191 191
Payment Point 115 138 155 167 171 181 190 207 22
Mobile cash 61 63 65 68 71 85 88 88 9
CDM 1 1 1 2 2 2 2 2
ATM 262 368 479 595 688 703 723 746 70 10
Total network 759 904 1072 1291 1425 1566 1608 1652
ldquoLaku Pandairdquo Agent
(Branchless Banking) 214 255
Networks Plan
8
IR BJTM
APPENDIX
9
IR BJTM
- - - -
550475475475
425425425525
575
430
838836
335
445
302361
437
372361340312288
BI 7-Day RR INFLASI
36644114 4092 4413 4403 4526 4580 4782 4789 5029
33203707
44134837 4917 5046 5143 5289 5293 5399
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
in trillion Rp
LOAN FUND
558502 479 490 501 501 506 507 506 527
608586
544 550 537 503 516 545 550 557
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
INDONESIA EAST JAVA
Economic Growth Economic Share
Indonesia Java
JAVA
59 Java
22 Sumatra
3 Bali amp Nusa Tenggara
6 Sulawesi
8 Kalimantan
3 Maluku amp Papua
East Java
29 DKI Jakarta
25 East Java
23 West Java
15 Central Java
7 Banten
1 DIY
Source Bank Indonesia
Macro Economy Review
10
IR BJTM 11
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789
Placement BI amp SBI 15617171 16042098 272 1958953 3616591 54739 -9721 -9849
Loan 30696964 33073299 774 207476 710805 954995 36029 3435
Allowance for Impairment Losses
(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279
Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642
- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922
- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521
- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671
Equity 7563351 8217326 865 303319 381431 302832 -016 -2061
Balance Sheet
IR BJTM 12
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD
Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312
Placement BI amp SBI 12630 11699 11703 12371 14204 14846 15987 13290 13854 16042 2701
Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415
Allowance for Impairment Losses
(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681
Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262
- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987
- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269
- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490
Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513
Monthly Balance Sheet
IR BJTM 13
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540
Interest Expense (962041) (1008375) 482 (357087) (348452) (361004) 110 360
Nett Interest Income 2627227 2732036 399 888561 901306 956296 762 610
Non Interest Operational Income
336346 367481 926 90370 122208 130550 4446 683
Non Interest Operational Expense
(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074
Provision for Impairment Losses
(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833
Nett Non Interest Operational Income (Expense)
(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786
Operational Profit 1378363 1443458 472 409738 509987 416807 173 -1827
Non Operational Profit 9695 19321 9928 (724) 960 15702 -226809 153578
Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535
Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113
Net profit 1013778 1059811 454 291674 381431 301535 338 -2095
Profit Loss
IR BJTM 14
Monthly Profit Loss
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18
Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740
Interest Expense (1315) (98) (189) (299) (412) (532) (647) (764) (884) (1008)
Nett Interest Income 3514 292 576 874 1165 1478 1776 2092 2422 2732
Non Interest Operational Income
442 29 73 115 163 204 237 283 314 367
Non Interest Operational Expense
(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)
Provision for Impairment Losses
(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)
Nett Non Interest Operational Income (Expense)
(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)
Operational Profit 1655 172 343 517 671 841 1027 1142 1264 1443
Non Operational
Profit(18) 3 3 3 3 3 4 4 16 19
Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463
Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)
Net profit 1159 128 254 377 489 612 758 842 928 1060
IR BJTM
Financial Ratio
15
ROA ROE NIM LDR CAR BOPO
2010 558 4057 917 8070 1919 5958
2011 497 3365 795 8011 1653 6002
2012 334 1896 648 8355 2656 6869
2013 382 1904 714 8498 2372 7028
2014 352 1898 690 8654 2217 6963
2015 267 1611 641 8292 2122 7611
3M16 380 2349 683 6811 1946 6532
1H16 318 2087 669 7264 2065 7056
9M16 309 2014 670 7197 2243 7115
FY16 298 1782 694 9048 2388 7222
3M17 396 2071 718 7062 2230 6262
1H17 393 2217 698 7226 2255 6260
9M17 361 2051 682 6979 2285 6489
FY17 312 1743 668 7969 2465 6863
3M18 388 2150 657 6980 2294 5988
1H18 367 2187 641 6486 2308 6140
9M18 338 2020 638 6259 2335 6486
22210 27416 25987
35479 30270
42681 43754
34263 41506 40302 41165
32799
41479 42196 43988 39845
44998 49517
52843
20000
30000
40000
50000
60000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Third Party Fund
IR BJTM
Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Government 11319 14258 2597 2573 2698 1204106 1218614
Private 4935 4930 -009 1122 933 833 701
Total 16253 19188 1806 3695 3631 2740 2723
Saving Account
Simpeda 10295 11989 1645 2340 2269 55 61
Siklus 1672 2119 2674 380 401 86 85
Tab Haji 226 244 799 051 046 17 18
TabunganKu SimPel 1264 1729 3681 287 327 04 05
Barokah 151 192 2683 034 036 62 67
Total 13608 16273 1958 3094 3079 26 28
Time Deposit
lt 3 Month 13688 17095 2489 3112 3235 3375 3699
gt 6 Month 438 287 -3461 100 054 1277 972
Total 14126 17382 2305 3211 3289 3211 3535
Funding Growth Composition
Third Party Fund
Ticket Sizein million
in billion
16
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM
APPENDIX
9
IR BJTM
- - - -
550475475475
425425425525
575
430
838836
335
445
302361
437
372361340312288
BI 7-Day RR INFLASI
36644114 4092 4413 4403 4526 4580 4782 4789 5029
33203707
44134837 4917 5046 5143 5289 5293 5399
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
in trillion Rp
LOAN FUND
558502 479 490 501 501 506 507 506 527
608586
544 550 537 503 516 545 550 557
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
INDONESIA EAST JAVA
Economic Growth Economic Share
Indonesia Java
JAVA
59 Java
22 Sumatra
3 Bali amp Nusa Tenggara
6 Sulawesi
8 Kalimantan
3 Maluku amp Papua
East Java
29 DKI Jakarta
25 East Java
23 West Java
15 Central Java
7 Banten
1 DIY
Source Bank Indonesia
Macro Economy Review
10
IR BJTM 11
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789
Placement BI amp SBI 15617171 16042098 272 1958953 3616591 54739 -9721 -9849
Loan 30696964 33073299 774 207476 710805 954995 36029 3435
Allowance for Impairment Losses
(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279
Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642
- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922
- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521
- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671
Equity 7563351 8217326 865 303319 381431 302832 -016 -2061
Balance Sheet
IR BJTM 12
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD
Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312
Placement BI amp SBI 12630 11699 11703 12371 14204 14846 15987 13290 13854 16042 2701
Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415
Allowance for Impairment Losses
(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681
Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262
- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987
- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269
- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490
Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513
Monthly Balance Sheet
IR BJTM 13
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540
Interest Expense (962041) (1008375) 482 (357087) (348452) (361004) 110 360
Nett Interest Income 2627227 2732036 399 888561 901306 956296 762 610
Non Interest Operational Income
336346 367481 926 90370 122208 130550 4446 683
Non Interest Operational Expense
(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074
Provision for Impairment Losses
(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833
Nett Non Interest Operational Income (Expense)
(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786
Operational Profit 1378363 1443458 472 409738 509987 416807 173 -1827
Non Operational Profit 9695 19321 9928 (724) 960 15702 -226809 153578
Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535
Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113
Net profit 1013778 1059811 454 291674 381431 301535 338 -2095
Profit Loss
IR BJTM 14
Monthly Profit Loss
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18
Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740
Interest Expense (1315) (98) (189) (299) (412) (532) (647) (764) (884) (1008)
Nett Interest Income 3514 292 576 874 1165 1478 1776 2092 2422 2732
Non Interest Operational Income
442 29 73 115 163 204 237 283 314 367
Non Interest Operational Expense
(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)
Provision for Impairment Losses
(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)
Nett Non Interest Operational Income (Expense)
(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)
Operational Profit 1655 172 343 517 671 841 1027 1142 1264 1443
Non Operational
Profit(18) 3 3 3 3 3 4 4 16 19
Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463
Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)
Net profit 1159 128 254 377 489 612 758 842 928 1060
IR BJTM
Financial Ratio
15
ROA ROE NIM LDR CAR BOPO
2010 558 4057 917 8070 1919 5958
2011 497 3365 795 8011 1653 6002
2012 334 1896 648 8355 2656 6869
2013 382 1904 714 8498 2372 7028
2014 352 1898 690 8654 2217 6963
2015 267 1611 641 8292 2122 7611
3M16 380 2349 683 6811 1946 6532
1H16 318 2087 669 7264 2065 7056
9M16 309 2014 670 7197 2243 7115
FY16 298 1782 694 9048 2388 7222
3M17 396 2071 718 7062 2230 6262
1H17 393 2217 698 7226 2255 6260
9M17 361 2051 682 6979 2285 6489
FY17 312 1743 668 7969 2465 6863
3M18 388 2150 657 6980 2294 5988
1H18 367 2187 641 6486 2308 6140
9M18 338 2020 638 6259 2335 6486
22210 27416 25987
35479 30270
42681 43754
34263 41506 40302 41165
32799
41479 42196 43988 39845
44998 49517
52843
20000
30000
40000
50000
60000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Third Party Fund
IR BJTM
Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Government 11319 14258 2597 2573 2698 1204106 1218614
Private 4935 4930 -009 1122 933 833 701
Total 16253 19188 1806 3695 3631 2740 2723
Saving Account
Simpeda 10295 11989 1645 2340 2269 55 61
Siklus 1672 2119 2674 380 401 86 85
Tab Haji 226 244 799 051 046 17 18
TabunganKu SimPel 1264 1729 3681 287 327 04 05
Barokah 151 192 2683 034 036 62 67
Total 13608 16273 1958 3094 3079 26 28
Time Deposit
lt 3 Month 13688 17095 2489 3112 3235 3375 3699
gt 6 Month 438 287 -3461 100 054 1277 972
Total 14126 17382 2305 3211 3289 3211 3535
Funding Growth Composition
Third Party Fund
Ticket Sizein million
in billion
16
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM
- - - -
550475475475
425425425525
575
430
838836
335
445
302361
437
372361340312288
BI 7-Day RR INFLASI
36644114 4092 4413 4403 4526 4580 4782 4789 5029
33203707
44134837 4917 5046 5143 5289 5293 5399
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
in trillion Rp
LOAN FUND
558502 479 490 501 501 506 507 506 527
608586
544 550 537 503 516 545 550 557
FY13 FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18
INDONESIA EAST JAVA
Economic Growth Economic Share
Indonesia Java
JAVA
59 Java
22 Sumatra
3 Bali amp Nusa Tenggara
6 Sulawesi
8 Kalimantan
3 Maluku amp Papua
East Java
29 DKI Jakarta
25 East Java
23 West Java
15 Central Java
7 Banten
1 DIY
Source Bank Indonesia
Macro Economy Review
10
IR BJTM 11
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789
Placement BI amp SBI 15617171 16042098 272 1958953 3616591 54739 -9721 -9849
Loan 30696964 33073299 774 207476 710805 954995 36029 3435
Allowance for Impairment Losses
(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279
Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642
- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922
- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521
- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671
Equity 7563351 8217326 865 303319 381431 302832 -016 -2061
Balance Sheet
IR BJTM 12
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD
Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312
Placement BI amp SBI 12630 11699 11703 12371 14204 14846 15987 13290 13854 16042 2701
Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415
Allowance for Impairment Losses
(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681
Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262
- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987
- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269
- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490
Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513
Monthly Balance Sheet
IR BJTM 13
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540
Interest Expense (962041) (1008375) 482 (357087) (348452) (361004) 110 360
Nett Interest Income 2627227 2732036 399 888561 901306 956296 762 610
Non Interest Operational Income
336346 367481 926 90370 122208 130550 4446 683
Non Interest Operational Expense
(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074
Provision for Impairment Losses
(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833
Nett Non Interest Operational Income (Expense)
(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786
Operational Profit 1378363 1443458 472 409738 509987 416807 173 -1827
Non Operational Profit 9695 19321 9928 (724) 960 15702 -226809 153578
Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535
Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113
Net profit 1013778 1059811 454 291674 381431 301535 338 -2095
Profit Loss
IR BJTM 14
Monthly Profit Loss
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18
Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740
Interest Expense (1315) (98) (189) (299) (412) (532) (647) (764) (884) (1008)
Nett Interest Income 3514 292 576 874 1165 1478 1776 2092 2422 2732
Non Interest Operational Income
442 29 73 115 163 204 237 283 314 367
Non Interest Operational Expense
(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)
Provision for Impairment Losses
(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)
Nett Non Interest Operational Income (Expense)
(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)
Operational Profit 1655 172 343 517 671 841 1027 1142 1264 1443
Non Operational
Profit(18) 3 3 3 3 3 4 4 16 19
Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463
Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)
Net profit 1159 128 254 377 489 612 758 842 928 1060
IR BJTM
Financial Ratio
15
ROA ROE NIM LDR CAR BOPO
2010 558 4057 917 8070 1919 5958
2011 497 3365 795 8011 1653 6002
2012 334 1896 648 8355 2656 6869
2013 382 1904 714 8498 2372 7028
2014 352 1898 690 8654 2217 6963
2015 267 1611 641 8292 2122 7611
3M16 380 2349 683 6811 1946 6532
1H16 318 2087 669 7264 2065 7056
9M16 309 2014 670 7197 2243 7115
FY16 298 1782 694 9048 2388 7222
3M17 396 2071 718 7062 2230 6262
1H17 393 2217 698 7226 2255 6260
9M17 361 2051 682 6979 2285 6489
FY17 312 1743 668 7969 2465 6863
3M18 388 2150 657 6980 2294 5988
1H18 367 2187 641 6486 2308 6140
9M18 338 2020 638 6259 2335 6486
22210 27416 25987
35479 30270
42681 43754
34263 41506 40302 41165
32799
41479 42196 43988 39845
44998 49517
52843
20000
30000
40000
50000
60000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Third Party Fund
IR BJTM
Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Government 11319 14258 2597 2573 2698 1204106 1218614
Private 4935 4930 -009 1122 933 833 701
Total 16253 19188 1806 3695 3631 2740 2723
Saving Account
Simpeda 10295 11989 1645 2340 2269 55 61
Siklus 1672 2119 2674 380 401 86 85
Tab Haji 226 244 799 051 046 17 18
TabunganKu SimPel 1264 1729 3681 287 327 04 05
Barokah 151 192 2683 034 036 62 67
Total 13608 16273 1958 3094 3079 26 28
Time Deposit
lt 3 Month 13688 17095 2489 3112 3235 3375 3699
gt 6 Month 438 287 -3461 100 054 1277 972
Total 14126 17382 2305 3211 3289 3211 3535
Funding Growth Composition
Third Party Fund
Ticket Sizein million
in billion
16
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM 11
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Total Asset 53837669 63427447 1781 2348922 4223842 3890414 6563 -789
Placement BI amp SBI 15617171 16042098 272 1958953 3616591 54739 -9721 -9849
Loan 30696964 33073299 774 207476 710805 954995 36029 3435
Allowance for Impairment Losses
(1388392) (1299085) -643 (37750) 44061 106976 -38338 14279
Third Party Fund 43987520 52842744 2013 1791619 4519427 3325477 8561 -2642
- Current Account 16253452 19188237 1806 626325 2487614 (478086) -17633 -11922
- Saving Account 13608183 16272858 1958 (6015) 1101910 1044448 -1746487 -521
- Time Deposit 14125885 17381649 2305 1171309 929903 2759114 13556 19671
Equity 7563351 8217326 865 303319 381431 302832 -016 -2061
Balance Sheet
IR BJTM 12
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD
Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312
Placement BI amp SBI 12630 11699 11703 12371 14204 14846 15987 13290 13854 16042 2701
Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415
Allowance for Impairment Losses
(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681
Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262
- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987
- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269
- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490
Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513
Monthly Balance Sheet
IR BJTM 13
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540
Interest Expense (962041) (1008375) 482 (357087) (348452) (361004) 110 360
Nett Interest Income 2627227 2732036 399 888561 901306 956296 762 610
Non Interest Operational Income
336346 367481 926 90370 122208 130550 4446 683
Non Interest Operational Expense
(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074
Provision for Impairment Losses
(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833
Nett Non Interest Operational Income (Expense)
(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786
Operational Profit 1378363 1443458 472 409738 509987 416807 173 -1827
Non Operational Profit 9695 19321 9928 (724) 960 15702 -226809 153578
Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535
Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113
Net profit 1013778 1059811 454 291674 381431 301535 338 -2095
Profit Loss
IR BJTM 14
Monthly Profit Loss
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18
Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740
Interest Expense (1315) (98) (189) (299) (412) (532) (647) (764) (884) (1008)
Nett Interest Income 3514 292 576 874 1165 1478 1776 2092 2422 2732
Non Interest Operational Income
442 29 73 115 163 204 237 283 314 367
Non Interest Operational Expense
(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)
Provision for Impairment Losses
(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)
Nett Non Interest Operational Income (Expense)
(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)
Operational Profit 1655 172 343 517 671 841 1027 1142 1264 1443
Non Operational
Profit(18) 3 3 3 3 3 4 4 16 19
Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463
Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)
Net profit 1159 128 254 377 489 612 758 842 928 1060
IR BJTM
Financial Ratio
15
ROA ROE NIM LDR CAR BOPO
2010 558 4057 917 8070 1919 5958
2011 497 3365 795 8011 1653 6002
2012 334 1896 648 8355 2656 6869
2013 382 1904 714 8498 2372 7028
2014 352 1898 690 8654 2217 6963
2015 267 1611 641 8292 2122 7611
3M16 380 2349 683 6811 1946 6532
1H16 318 2087 669 7264 2065 7056
9M16 309 2014 670 7197 2243 7115
FY16 298 1782 694 9048 2388 7222
3M17 396 2071 718 7062 2230 6262
1H17 393 2217 698 7226 2255 6260
9M17 361 2051 682 6979 2285 6489
FY17 312 1743 668 7969 2465 6863
3M18 388 2150 657 6980 2294 5988
1H18 367 2187 641 6486 2308 6140
9M18 338 2020 638 6259 2335 6486
22210 27416 25987
35479 30270
42681 43754
34263 41506 40302 41165
32799
41479 42196 43988 39845
44998 49517
52843
20000
30000
40000
50000
60000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Third Party Fund
IR BJTM
Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Government 11319 14258 2597 2573 2698 1204106 1218614
Private 4935 4930 -009 1122 933 833 701
Total 16253 19188 1806 3695 3631 2740 2723
Saving Account
Simpeda 10295 11989 1645 2340 2269 55 61
Siklus 1672 2119 2674 380 401 86 85
Tab Haji 226 244 799 051 046 17 18
TabunganKu SimPel 1264 1729 3681 287 327 04 05
Barokah 151 192 2683 034 036 62 67
Total 13608 16273 1958 3094 3079 26 28
Time Deposit
lt 3 Month 13688 17095 2489 3112 3235 3375 3699
gt 6 Month 438 287 -3461 100 054 1277 972
Total 14126 17382 2305 3211 3289 3211 3535
Funding Growth Composition
Third Party Fund
Ticket Sizein million
in billion
16
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM 12
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18 YTD
Total Asset 51519 51635 53525 55313 57158 59817 59537 59927 59743 63427 2312
Placement BI amp SBI 12630 11699 11703 12371 14204 14846 15987 13290 13854 16042 2701
Loan 31754 31205 31271 31407 31654 32139 32118 32370 32804 33073 415
Allowance for Impairment Losses
(1394) (1423) (1446) (1450) (1467) (1473) (1406) (1410) (1297) (1299) -681
Third Party Fund 39845 40688 42708 44998 46872 49519 49517 49732 49413 52843 3262
- Current Account 12002 15440 16509 17179 17780 20496 19666 18480 17387 19188 5987
- Saving Account 15847 14256 14163 14127 14136 14605 15228 16220 16000 16273 269
- Time Deposit 11996 10992 12035 13693 14956 14419 14623 15032 16026 17382 4490
Equity 7816 7944 8070 7533 7645 7768 7914 7998 8085 8217 513
Monthly Balance Sheet
IR BJTM 13
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540
Interest Expense (962041) (1008375) 482 (357087) (348452) (361004) 110 360
Nett Interest Income 2627227 2732036 399 888561 901306 956296 762 610
Non Interest Operational Income
336346 367481 926 90370 122208 130550 4446 683
Non Interest Operational Expense
(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074
Provision for Impairment Losses
(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833
Nett Non Interest Operational Income (Expense)
(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786
Operational Profit 1378363 1443458 472 409738 509987 416807 173 -1827
Non Operational Profit 9695 19321 9928 (724) 960 15702 -226809 153578
Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535
Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113
Net profit 1013778 1059811 454 291674 381431 301535 338 -2095
Profit Loss
IR BJTM 14
Monthly Profit Loss
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18
Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740
Interest Expense (1315) (98) (189) (299) (412) (532) (647) (764) (884) (1008)
Nett Interest Income 3514 292 576 874 1165 1478 1776 2092 2422 2732
Non Interest Operational Income
442 29 73 115 163 204 237 283 314 367
Non Interest Operational Expense
(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)
Provision for Impairment Losses
(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)
Nett Non Interest Operational Income (Expense)
(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)
Operational Profit 1655 172 343 517 671 841 1027 1142 1264 1443
Non Operational
Profit(18) 3 3 3 3 3 4 4 16 19
Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463
Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)
Net profit 1159 128 254 377 489 612 758 842 928 1060
IR BJTM
Financial Ratio
15
ROA ROE NIM LDR CAR BOPO
2010 558 4057 917 8070 1919 5958
2011 497 3365 795 8011 1653 6002
2012 334 1896 648 8355 2656 6869
2013 382 1904 714 8498 2372 7028
2014 352 1898 690 8654 2217 6963
2015 267 1611 641 8292 2122 7611
3M16 380 2349 683 6811 1946 6532
1H16 318 2087 669 7264 2065 7056
9M16 309 2014 670 7197 2243 7115
FY16 298 1782 694 9048 2388 7222
3M17 396 2071 718 7062 2230 6262
1H17 393 2217 698 7226 2255 6260
9M17 361 2051 682 6979 2285 6489
FY17 312 1743 668 7969 2465 6863
3M18 388 2150 657 6980 2294 5988
1H18 367 2187 641 6486 2308 6140
9M18 338 2020 638 6259 2335 6486
22210 27416 25987
35479 30270
42681 43754
34263 41506 40302 41165
32799
41479 42196 43988 39845
44998 49517
52843
20000
30000
40000
50000
60000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Third Party Fund
IR BJTM
Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Government 11319 14258 2597 2573 2698 1204106 1218614
Private 4935 4930 -009 1122 933 833 701
Total 16253 19188 1806 3695 3631 2740 2723
Saving Account
Simpeda 10295 11989 1645 2340 2269 55 61
Siklus 1672 2119 2674 380 401 86 85
Tab Haji 226 244 799 051 046 17 18
TabunganKu SimPel 1264 1729 3681 287 327 04 05
Barokah 151 192 2683 034 036 62 67
Total 13608 16273 1958 3094 3079 26 28
Time Deposit
lt 3 Month 13688 17095 2489 3112 3235 3375 3699
gt 6 Month 438 287 -3461 100 054 1277 972
Total 14126 17382 2305 3211 3289 3211 3535
Funding Growth Composition
Third Party Fund
Ticket Sizein million
in billion
16
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM 13
InformationIn million Rp
9M17 9M18 YoY 3Q17 2Q18 3Q18 YoY QoQ
Interest Income 3589269 3740411 421 1245648 1249758 1317300 575 540
Interest Expense (962041) (1008375) 482 (357087) (348452) (361004) 110 360
Nett Interest Income 2627227 2732036 399 888561 901306 956296 762 610
Non Interest Operational Income
336346 367481 926 90370 122208 130550 4446 683
Non Interest Operational Expense
(1440327) (1582222) 985 (526105) (529203) (638948) 2145 2074
Provision for Impairment Losses
(144883) (73838) -4904 (43087) 15676 (31092) -2784 -29833
Nett Non Interest Operational Income (Expense)
(1248865) (1288578) 318 (478823) (391319) (539490) 1267 3786
Operational Profit 1378363 1443458 472 409738 509987 416807 173 -1827
Non Operational Profit 9695 19321 9928 (724) 960 15702 -226809 153578
Pre Tax Profit 1388058 1462778 538 409014 510947 432509 574 -1535
Taxes (374280) (402967) 766 (117340) (129516) (130974) 1162 113
Net profit 1013778 1059811 454 291674 381431 301535 338 -2095
Profit Loss
IR BJTM 14
Monthly Profit Loss
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18
Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740
Interest Expense (1315) (98) (189) (299) (412) (532) (647) (764) (884) (1008)
Nett Interest Income 3514 292 576 874 1165 1478 1776 2092 2422 2732
Non Interest Operational Income
442 29 73 115 163 204 237 283 314 367
Non Interest Operational Expense
(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)
Provision for Impairment Losses
(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)
Nett Non Interest Operational Income (Expense)
(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)
Operational Profit 1655 172 343 517 671 841 1027 1142 1264 1443
Non Operational
Profit(18) 3 3 3 3 3 4 4 16 19
Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463
Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)
Net profit 1159 128 254 377 489 612 758 842 928 1060
IR BJTM
Financial Ratio
15
ROA ROE NIM LDR CAR BOPO
2010 558 4057 917 8070 1919 5958
2011 497 3365 795 8011 1653 6002
2012 334 1896 648 8355 2656 6869
2013 382 1904 714 8498 2372 7028
2014 352 1898 690 8654 2217 6963
2015 267 1611 641 8292 2122 7611
3M16 380 2349 683 6811 1946 6532
1H16 318 2087 669 7264 2065 7056
9M16 309 2014 670 7197 2243 7115
FY16 298 1782 694 9048 2388 7222
3M17 396 2071 718 7062 2230 6262
1H17 393 2217 698 7226 2255 6260
9M17 361 2051 682 6979 2285 6489
FY17 312 1743 668 7969 2465 6863
3M18 388 2150 657 6980 2294 5988
1H18 367 2187 641 6486 2308 6140
9M18 338 2020 638 6259 2335 6486
22210 27416 25987
35479 30270
42681 43754
34263 41506 40302 41165
32799
41479 42196 43988 39845
44998 49517
52843
20000
30000
40000
50000
60000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Third Party Fund
IR BJTM
Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Government 11319 14258 2597 2573 2698 1204106 1218614
Private 4935 4930 -009 1122 933 833 701
Total 16253 19188 1806 3695 3631 2740 2723
Saving Account
Simpeda 10295 11989 1645 2340 2269 55 61
Siklus 1672 2119 2674 380 401 86 85
Tab Haji 226 244 799 051 046 17 18
TabunganKu SimPel 1264 1729 3681 287 327 04 05
Barokah 151 192 2683 034 036 62 67
Total 13608 16273 1958 3094 3079 26 28
Time Deposit
lt 3 Month 13688 17095 2489 3112 3235 3375 3699
gt 6 Month 438 287 -3461 100 054 1277 972
Total 14126 17382 2305 3211 3289 3211 3535
Funding Growth Composition
Third Party Fund
Ticket Sizein million
in billion
16
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM 14
Monthly Profit Loss
InformationIn million Rp
FY17 1M18 2M18 3M18 4M18 5M18 1H18 7M18 8M18 9M18
Interest Income 4829 390 765 1173 1577 2010 2423 2856 3305 3740
Interest Expense (1315) (98) (189) (299) (412) (532) (647) (764) (884) (1008)
Nett Interest Income 3514 292 576 874 1165 1478 1776 2092 2422 2732
Non Interest Operational Income
442 29 73 115 163 204 237 283 314 367
Non Interest Operational Expense
(2085) (119) (252) (414) (578) (754) (943) (1183) (1401) (1582)
Provision for Impairment Losses
(217) (30) (54) (58) (80) (86) (43) (50) (71) (74)
Nett Non Interest Operational Income (Expense)
(1860) (120) (233) (358) (495) (636) (749) (950) (1157) (1289)
Operational Profit 1655 172 343 517 671 841 1027 1142 1264 1443
Non Operational
Profit(18) 3 3 3 3 3 4 4 16 19
Pre Tax Profit 1637 174 346 519 673 845 1030 1146 1280 1463
Taxes (478) (46) (92) (142) (184) (233) (272) (304) (352) (403)
Net profit 1159 128 254 377 489 612 758 842 928 1060
IR BJTM
Financial Ratio
15
ROA ROE NIM LDR CAR BOPO
2010 558 4057 917 8070 1919 5958
2011 497 3365 795 8011 1653 6002
2012 334 1896 648 8355 2656 6869
2013 382 1904 714 8498 2372 7028
2014 352 1898 690 8654 2217 6963
2015 267 1611 641 8292 2122 7611
3M16 380 2349 683 6811 1946 6532
1H16 318 2087 669 7264 2065 7056
9M16 309 2014 670 7197 2243 7115
FY16 298 1782 694 9048 2388 7222
3M17 396 2071 718 7062 2230 6262
1H17 393 2217 698 7226 2255 6260
9M17 361 2051 682 6979 2285 6489
FY17 312 1743 668 7969 2465 6863
3M18 388 2150 657 6980 2294 5988
1H18 367 2187 641 6486 2308 6140
9M18 338 2020 638 6259 2335 6486
22210 27416 25987
35479 30270
42681 43754
34263 41506 40302 41165
32799
41479 42196 43988 39845
44998 49517
52843
20000
30000
40000
50000
60000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Third Party Fund
IR BJTM
Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Government 11319 14258 2597 2573 2698 1204106 1218614
Private 4935 4930 -009 1122 933 833 701
Total 16253 19188 1806 3695 3631 2740 2723
Saving Account
Simpeda 10295 11989 1645 2340 2269 55 61
Siklus 1672 2119 2674 380 401 86 85
Tab Haji 226 244 799 051 046 17 18
TabunganKu SimPel 1264 1729 3681 287 327 04 05
Barokah 151 192 2683 034 036 62 67
Total 13608 16273 1958 3094 3079 26 28
Time Deposit
lt 3 Month 13688 17095 2489 3112 3235 3375 3699
gt 6 Month 438 287 -3461 100 054 1277 972
Total 14126 17382 2305 3211 3289 3211 3535
Funding Growth Composition
Third Party Fund
Ticket Sizein million
in billion
16
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM
Financial Ratio
15
ROA ROE NIM LDR CAR BOPO
2010 558 4057 917 8070 1919 5958
2011 497 3365 795 8011 1653 6002
2012 334 1896 648 8355 2656 6869
2013 382 1904 714 8498 2372 7028
2014 352 1898 690 8654 2217 6963
2015 267 1611 641 8292 2122 7611
3M16 380 2349 683 6811 1946 6532
1H16 318 2087 669 7264 2065 7056
9M16 309 2014 670 7197 2243 7115
FY16 298 1782 694 9048 2388 7222
3M17 396 2071 718 7062 2230 6262
1H17 393 2217 698 7226 2255 6260
9M17 361 2051 682 6979 2285 6489
FY17 312 1743 668 7969 2465 6863
3M18 388 2150 657 6980 2294 5988
1H18 367 2187 641 6486 2308 6140
9M18 338 2020 638 6259 2335 6486
22210 27416 25987
35479 30270
42681 43754
34263 41506 40302 41165
32799
41479 42196 43988 39845
44998 49517
52843
20000
30000
40000
50000
60000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Third Party Fund
IR BJTM
Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Government 11319 14258 2597 2573 2698 1204106 1218614
Private 4935 4930 -009 1122 933 833 701
Total 16253 19188 1806 3695 3631 2740 2723
Saving Account
Simpeda 10295 11989 1645 2340 2269 55 61
Siklus 1672 2119 2674 380 401 86 85
Tab Haji 226 244 799 051 046 17 18
TabunganKu SimPel 1264 1729 3681 287 327 04 05
Barokah 151 192 2683 034 036 62 67
Total 13608 16273 1958 3094 3079 26 28
Time Deposit
lt 3 Month 13688 17095 2489 3112 3235 3375 3699
gt 6 Month 438 287 -3461 100 054 1277 972
Total 14126 17382 2305 3211 3289 3211 3535
Funding Growth Composition
Third Party Fund
Ticket Sizein million
in billion
16
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
22210 27416 25987
35479 30270
42681 43754
34263 41506 40302 41165
32799
41479 42196 43988 39845
44998 49517
52843
20000
30000
40000
50000
60000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Third Party Fund
IR BJTM
Current Account 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Government 11319 14258 2597 2573 2698 1204106 1218614
Private 4935 4930 -009 1122 933 833 701
Total 16253 19188 1806 3695 3631 2740 2723
Saving Account
Simpeda 10295 11989 1645 2340 2269 55 61
Siklus 1672 2119 2674 380 401 86 85
Tab Haji 226 244 799 051 046 17 18
TabunganKu SimPel 1264 1729 3681 287 327 04 05
Barokah 151 192 2683 034 036 62 67
Total 13608 16273 1958 3094 3079 26 28
Time Deposit
lt 3 Month 13688 17095 2489 3112 3235 3375 3699
gt 6 Month 438 287 -3461 100 054 1277 972
Total 14126 17382 2305 3211 3289 3211 3535
Funding Growth Composition
Third Party Fund
Ticket Sizein million
in billion
16
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
24821 26087 26195 26568
28288 29235
28411 28268 29276 29625 29676 29292
30489 30697 31754 31407 32118
33073
24000
29000
34000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Loan
IR BJTM
CONSUMER 9M17 9M18 YoY 9M17 9M18 9M17 9M18
Multi Purpose 17841 18840 560 5812 5696 749 820
Other 1183 2186 8476 385 661 2147 2933
Total 19024 21026 1052 6197 6357 780 887
COMMERCIAL
Standby Loan 578 504 -1280 188 152 3294 4059
Keppres 908 964 621 296 292 3437 4731
Overdraft 2967 3008 135 967 909 8342 8885
Syndicate 1006 756 -2487 328 229 529410 343529
General 1394 1850 3269 454 559 7002 9887
Total 6853 7082 333 2233 2141 6879 8275
S M E
Mortgage 1744 1874 749 568 567 1877 1934
Pundi Kencana 1370 1463 682 446 442 599 626
Laguna 50 24 -5094 016 007 275 151
Bankit KKPA 302 366 2108 099 111 433 362
Siumi 29 50 6975 010 015 914 926
Jatim Mikro 614 680 1075 200 206 1001 921
Others 710 507 -2853 231 153 1552 2085
Total 4819 4966 304 1570 1502 927 900
Lending Growth Composition
Loan
Ticket Sizein million
in billion
17
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM 18
LOAN FY14 ndash 9M18
CONSUMER FY14 FY15 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
Multi Purpose 14849126 15924309 17131199 17177244 17766924 17840841 18431427 18362517 18395017 18839501
Other 612797 827428 1104855 1142783 1132520 1183248 2079630 2085243 2091072 2186220
Total 15461923 16751737 18236054 18320027 18899444 19024089 20511057 20447760 20486089 21025720
COMMERCIAL
Standby Loan 1013324 847263 531315 436239 548373 578104 472353 414489 492669 504087
Keppres 687257 748105 546405 357492 624976 907829 589971 280072 586994 964188
Overdraft 2307783 2766452 2985503 2935996 2964871 2967410 2928009 2813183 2956964 3007585
Syndicate 1171171 1335649 1254721 1055945 1002057 1005880 991593 946356 932854 755765
General 1004389 1251986 1375272 1391778 1467658 1394181 1461957 1678185 1783290 1849951
Total 6183924 6949455 6693215 6177449 6607934 6853404 6443883 6132285 6752771 7081576
S M E
Mortgage 1298747 1434353 1589130 1614312 1715118 1743588 1777173 1802632 1830939 1874198
Pundi 796281 1177643 1300929 1346491 1415106 1369891 1368859 1405964 1441319 1463341
Laguna 30078 21204 35975 38768 29890 49671 50147 42685 33539 24367
Bankit KKPA 73113 130478 272642 338899 395875 302470 251803 248410 305519 366222
Siumi 0 954 26523 24611 28521 29446 34953 39757 45263 49983
Jatim Mikro 263067 519834 562361 578536 601615 614353 637832 654858 659603 680413
Others 2087748 1426340 958593 852479 796364 710052 678706 633148 563262 507479
Total 4549034 4710806 4746153 4794096 4982489 4819470 4799473 4827454 4879444 4966003
in million
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM 19
NPL FY14 ndash 9M18
FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
NPL Gross 331 429 459 458 492 477 484 480 492 459 484 479 425
NPL Net 108 110 119 107 104 065 055 067 072 046 047 070 063
CoverageRatio
7143 8102 8087 8337 8418 9349 9533 9180 9187 9560 9541 9134 9236
Consumer 021 030 035 036 040 042 031 032 037 023 027 027 025
Commercial 727 1207 1369 1310 1416 1502 1693 1643 1626 1722 1880 1719 1445
S M E 695 671 706 718 705 652 606 635 679 627 648 663 667
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM
STRATEGY IMPLEMENTATION
20
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM 21
LOANbull Cooperate with Cooperatives Industry amp Trade Department Fisheries Department Economy Bureau Agriculture Office and Food
Department for financing and obtaining information on debtors of SME and Cooperativesbull Provide easy access for prospective Debtor and existing debtor in terms of credit application through e-credit with the aim of providing
ease of information and services to the East Java SMEbull Loans disbursement of Loan Agreement fund source in 2018 to SMEs primary and secondary industrial sector and Rural Bank (BPR)bull The optimization of micro credit with credit expansion target in 2018 calculated based on the number of sales officerbull Have an active role in infrastructure financing in East Java through syndicated loans with prudential and regulated bankingbull Improve multipurpose loan disbursement
bull Socialiszation to government departmentbull Interest rate promobull Treasurer civil servant gatheringbull Cooperation with private company to disburse multipurpose loan to their employee
bull Encourage Branch Offices to communicate actively with local Governments in order to seek opportunities for regional investmentfinancing
THIRD PARTY FUNDbull The Bank conducts intensive cross selling marketing especially to the commercial debtors so that the funds remain transacted in Bank
Jatimbull Developing products based on Customer Need
- Program Siklus Bunga PlusCustomers can gain a profit by choosing the item as a gift in accordance with the locked funds at the beginning of the period and still earning interest at the end of the period- Program Giro PlusCustomers may gain benefit from free of charge RTGS and transfer
bull Improved services and expand market penetration tobull East Java Government City amp Municipal Governmentbull City amp Municipal Health Departmentbull Education Departmentbull Taspen PDAM RSUD Asabri BPR Cooperative Association
Strategy
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM 22
Interest Income non Credit and Fee Based Income Strategybull Improving Treasury Dealer
1 Money Market amp Liquidity Desk2 Capital Market amp Fixed Income Desk3 Foreign Exchange Desk4 Treasury Marketing amp Sales Desk5 Bank Notes Desk
bull Improving trade finance services by conducting promotional programs for customers and prospective customers through exemption of advising fees for L C or SKBDN services
bull Accelerate services and improve convenience for customers in transactions and skilled human resources in serving customers for bank service transactions beside loans such as foreign exchange transactions remittance and other services
bull Cooperate with government institution such asbull Indonesia National Police e-samsatbull SP2D onlinebull Ministry of Transportation East Java Government Karoseri Payment Billingbull BPJS Ketenagakerjaan feebull Garuda Indonesia Lion Air TV Cable
bull Bank Jatim develops investment in Information Technology such as server virtualization device upgrade switching Mobile Application Development Platform etc with planned capital expenditure prepared for + 54 billion rupiah
NPLbull Loan Collectibility 1 and 2 handled by Branch and collectibility 34amp5 handled by new Head Office Division Rescue and Completion
Divisionbull Rescue Phase is a credit rescue effort with a credit restructuring pattern consisting of 3R namely rescheduling reconditioning
restructuringbull Completion Phase if the debtor unable to repayment it will be pursued a settlement consisting of 2 stages cooperative and non-
cooperative settlement1 cooperative settlement gives the debtor time to sell the assets under the hands offer interest payments for redemption or
partial sale of assets2 Non-cooperative settlement can be done by way of asset execution for auction process or through Court
bull Handling of core debtors NPL specifically
Strategy
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM
MANAGEMENT
23
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM
Board of Commissioners
Candra Fajri AnandaIndependent Commissioner
Education
Doctor of Rural Development
University of Gottingen Germany
Experience
-Brawijaya University Lecturer
-Supervisory Board of
Indonesia Central Bank
-Finance Minister Economist
Currently
Professor in Economics Faculty
Brawijaya University
Budi SetiawanCommissioner
Education
Doctor of Economics
Brawijaya University
Malang
Experience
East Java Government
Currently
Head of East Java Regional
Development Planning
Akhmad SukardiPresident Commissioner
Education
Doctor of Business Administration
17 Agustus 1945 University
Surabaya
Experience
East Java Government
Currently
East Java
Regional Secretary
24
Rudi PurwonoIndependent Commissioner
Education
Doctor of Economics
Indonesia University
Jakarta
Experience
-Airlangga University Lecturer
-Finance Minister Economist
-SOE Bank Regional Chief Economist
Currently
Airlangga Univ Vice Dean
Payment Board East Java Gov
Regional Research Board Gov
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM
Board of Directors
R SoerosoPresident Director
Experience
Corporate Secretary
Bank Jatim
President Director
Bank UMKM
Ferdian Timur SFinance Director
Experience
Kepanjen Branch
Head
Corporate Secretary
Bank Jatim
Tony SudjiaryantoRetail Consumer amp
Sharia Business
Director
Experience
Credit Division Head
Special Credit Division
Head
Treasury Division Head
Bank Jatim
SuuacutediMedium amp Corporate
Director
Experience
IT Division Head
Planning Division
Head
Risk Management
Division Head
Bank Jatim
Rudie HardionoOperational
Director
Experience
Corporate
Secretary
Compliance
Director
Bank Jatim
25
Hadi SantosoCompliance amp
Human Capital
Director
Experience
Sharia Business Div
MediumampCorporate
Credit Div
Bank Jatim
Rizyana MirdaRisk Management
Director
Experience
Credit Risk Div
MediumampCorporate
Credit Div
Bank Jatim
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM
STRENGTH
26
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM 27
157163174200
249291
330380
428430
515
634
55 74
101
131
161 186
221
262 287 297
318
3307
132 137 145 162201
222259
303343 328
399
528
0405 05
08 0807
08094
088
103116
141
07 07 07 07
08
09
08
12
134 136 13613
172 21
27 28 2933
41
4648 48 49
TOTAL ASSET (Rp Tril)
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
917
CAGR =
1109
CAGR =
559
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1228
LOAN (Rp Tril)
CAGR =
1606
CAGR =
1232
Compound Annual Growth Rate
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 3M18 1H18 9M18
63
0
54
8
55
0
62
9
58
2
52
2
46
3
48
0
43
1
40
7
43
5
38
4
38
5
39
4
34
4
30
12
38
18
39
72
36
31
17
1
23
1
24
0
19
9
21
3
24
1
25
0
28
4
35
9
35
4
36
8
38
4
36
3
37
2
43
8
39
77
31
39
30
75
30
79
19
9
22
1
21
0
17
2
20
5
23
7
28
7
23
7
21
0
23
9
19
7
23
2
25
2
23
4
21
8
30
11
30
43
29
53
32
89
Current account Saving deposit Time deposit
300253302318321261
316354348268301
368363256301284278
186230245234176208213
307
275239
310328331
258326
381371
267345
395382
250277297288
181235256252
178218244
365
Cost of Fund(+) Local Government (-) Local Government
IR BJTM 28
Strength of Funding
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
Loan balance 5696 of total loan
NPL 025 as of Septrsquo 2018
567 593 612 619 631 640 666 675 690 697 732 732 746 749807 806 803 820
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA TICKET SIZE
13864 14408 14849 15152 15609 15794 15924 16117 16499 16672 17131 17117 17767 17841 18431 18363 18395 18840
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17 FY17 3M18 1H18 9M18
MULTIGUNA LOAN BALANCE
million Rp
billion Rp
IR BJTM 29
Strength of Loan (Multipurpose)
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM 30
No DATA Seprsquo2017 Seprsquo2018
1 Board of Commisioner 5 3
2 Board of Sharia Supervisory 3 3
3 Board of Director 5 7
4 Management 1 25 31
5 Management 2 101 110
6 Management 3 258 297
7 Management 4 810 813
8 Staff of Administration 2067 2635
9 Staff Non Administration 318 315
10 Non Permanent 857 121
11 Outsource 1972 2000
Total 6421 6335
Human Resources
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
68 71 72 73 71 71 70 69 69 69 68 68 67 68 68 66
40 42 43 44 42 47 4857 58 61 61 60 63 63 63 64 63 63 63 61 62 64 65 64 64 65
Foreign Holders ()
IR BJTM 31
Dividen amp Stock
Fiscal year
Payment of Dividend Cash Per Share (IDR)
Net Profit(IDR)
DividenPayment
Ratio
2012 3974 72463931390899 818
2013 4061 82431181537019 7350
2014 4186 93908359225350 665
2015 4300 88570838014200 7242
2016 4364 102821627432600 6343
2017 4410 115936950544900 5696
BJTM Price Seprsquo28 2018IDR 650 share
PBV 118
EPS 9434
PER 689
Market Cap
Rp 9736 tr
524501486473
408375
416439437439426431
464454462
539
625575
540500
577613
583605
693677682638
692688691705710732770
675677697692648641645
04 15
05 15
06 15
07 15
08 15
09 15
10 15
11 15
12 15
01 16
02 16
03 16
04 16
05 16
06 16
07 16
08 16
09 16
10 16
11 16
12 16
01 17
02 17
03 17
04 17
05 17
06 17
07 17
08 17
09 17
10 17
11 17
12 17
01 18
02 18
03 18
04 18
05 18
06 18
07 18
08 18
09 18
Average Price and Foreign Holders Movement (B Series)
Average Monthly Price
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM
32
B Series Investor 9M17 9M18
Foreign Investor 6283 6496
Domestic Investor 3717 3504
No Country Share
1 AMERIKA 400357
2 INDONESIA 350359
3 FINLANDIA 64126
4 IRLANDIA 61330
5 INGGRIS 26267
6 LUKSEMBURG 23284
7 KANADA 18297
8 SWITZERLAND 11100
9 AUSTRALIA 10216
10 SAUDI ARABIA 08483
11 BELANDA 05446
B Series Investor Composition
Ownership9M18
(A Series)East Java
Government5125
(A Series)City amp
Municipal Government
2842
(B Series)Public
Domestic712
(B Series)Public Foreign
1320
Total 100
No Country Share
12 JERMAN 05369
13 JEPANG 05364
14 SINGAPURA 03988
15 BERMUDA 03513
16 KOREA SELATAN 01295
17 CINA 00539
18 MALAYSIA 00322
19 BRUNEI DARUSSALAM 00140
20 SWEDIA 00118
21 THAILAND 00062
22 FILIPINA 00022
Total 100
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
IR BJTM33
Competitive Products
Mobile Banking Bank Jatim
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid
Regional Development Bank
Good Financial Performance
Top Human Capital Learning
2017
Go Public Company
GCG Award 2017
Top BPD 2017 Active Role as Resi Gudang
Lending
IR BJTM 34
Award
The Higher Bank that Disbursing
FLPP Fund
35IR BJTM
Investor Relations (IR)(031) 5310090 ext 463
Email irubankjatimcoid